23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) against Capital One due to their failure to properly credit same-day payments made through their online payment system. This issue results in late payments being reported to the credit bureaus, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and federal credit reporting laws. 

Under the FCRA, creditors who report to credit bureaus must provide accurate information and must correct or delete any information that can not be verified as accurate. Specifically, 15 U.S.C. 1681s-2 ( a ) mandates that furnishers of information to consumer reporting agencies, such as Capital One, have a duty to provide accurate information and update or correct any inaccurate information. Furthermore, if you dispute an item on your credit report and the furnisher fails to adequately investigate and respond, they violate the FCRA. Capital One 's failure to properly credit payments and their lack of response to disputes through credit agencies or direct communication is a breach of these obligations. 

Additionally, creditors are required to adopt reasonable procedures to ensure accurate reporting of account status. Capital One 's failure to credit same-day payments accurately leads to false reporting of late payments, which is both misleading and damaging to my credit report. The FCRA ensures that every consumer has the right to dispute inaccurate information and requires the furnisher to conduct a reasonable investigation into the dispute. Capital One 's actions not only obstruct my ability to maintain a fair credit report but also directly violate federal law by not validating the debts when requested and by failing to respond properly to disputes. 

I demand that Capital One remove the late payments from my credit report as their practices violate the FCRA. If they continue to report inaccurate information or fail to correct their systems to prevent further errors, I will pursue all available legal remedies under the FCRA, including seeking damages for any harm to my credit reputation.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$73000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3200.00} XXXX XXXX XXXX XXXXXXXX Balance : {$9500.00} XXXX XXXX Original creditor XXXX XXXX XXXXXXXX Balance : {$2200.00} XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$450.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting

XXXX XXXX servicing and XXXX remain on Equifax report after several complaints filed with Federal Consumer Finance and over XXXX documents, filed proving fraud and theft. 
Please also find pictures of documentfiled. in the XXXX th district court XXXX Pa XXXX XXXX person. for XXXX seperate banks XXXX of them being bankrupt at the time this was posted. please. 
Note that XXXX XXXX XXXX was never listed as having a right to collect this morgagealso note the expired notery stamp by 3 years. 
also Please note that XXXX XXXX XXXX who collected my morgagevpayment
Product: Mortgage

In XXXX of 2019, Union bank took money out of our escrow account in error to pay for an insurance policy for a condo in the same XXXX complex. When I was doing our taxes in XXXX I noticed the issue and contacted Union Bank for the first time. The disbursement out of our escrow account was {$540.00}. During this call I was told I would receive a follow up call. I have called six times over the past year. Every time I am told I would receive a follow up correspondence. Today I called again and was told they just released funds back into our escrow account.

In no way should I have had to call six times to get back my own money that was taken out in error by union bank. I spent over 10 hours having to call and micromanage this. Some other system needs to be in place because they stole money from us and had no intention of putting it back had I not continued calling for nearly a year. No borrower should feel powerless when their escrow account is drained by their lender. Union bank should have refunded the total immediately upon realizing the error instead of my escrow account funding their own errors.
Product: Student loan

I ca n't get a power monthly rate even though I pay over 50 % of my salary each month to navient. They are completely unwilling to speak with me about my loans or refinancing and repayment options!!
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF XXXX XXXX PLEASE BLOCK THESE ACCOUNTS PURSUANT TO FCRA XXXX05C WITHING 4 BUSINESS DAYS. I AM ALSO A VICTIM OF IDENTITY THEFT AND SECURITY BREACHES PLEASE ADD A FRAUD ALERT AND FREEZE AND OPT ME OUT. PLEASE USE THE NUMBER XXXX AND SEND ME A COPY AND CPFB.
Product: Credit reporting

I have been unable to update my credit report/score with Equifax, I pay a monthly membership fee for this service and the following error code appears, Eval Code : - Status Code : FL, Reason Code : NH. This has happened XXXX before, I also have a membership with XXXX and XXXX and never have a problem with either, just Equifax. Until the error is fixed, I should not have to pay for a service I do not receive, please advise them I will need a XXXX month membership to cover me until error is corrected
Product: Debt collection

Resurgent Capital Services, which I hold no contract with & have never had any business affiliations with, reported a collection to my social security #. A debt in the amount of {$1800.00}, has been reported to XXXX, XXXX & XXXX credit reporting agencies. I have requested validation of this debt on X/X/17, but Resurgent Capital Services has failed to provide adequate proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a FTC report to equifax and XXXX regarding fraudulent items on my credit report. 
To this day over 20 days later I have not received a response yet about my dispute. I feel like I'm being taken advantage of and being ignored of my dispute. I demand these item to be deleted immediately or I will file for litigation due to the stress you have cause me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

I never in my life enrolled into XXXX until I received an alert about a account so as I gain access to the account using my information I realized my credit score was extremely low due to debits I owe to companies that I was never aware of. I contacted XXXX  via email and tried to dispute claims of debts but never received anything back. Inputing false information on credit score has impacted in my life and Im so unsure what to do as I had consent to allow access to my credit for those companies or XXXX  reporting this false claims.
Product: Debt collection

I purchased hearing XXXX on XXXX from XXXX XXXX. The cost was {$5800.00}. We were told by the salesman that we had XXXX XXXX XXXX XXXX for the XXXX XXXX with mo interest or added penalties and that we could pay them off in a lump sum at any time within the 12 months. 
We decided to pay them off on XXXX. 
We called Synchrony XXXX XXXX and were told we now owed {$5800.00} because we had not been making monthly payments. I used my credit card. The transaction did not go through because it was such a large amount and our bank suspected fraud. We reassured the banker that this was a legitimate transaction. 
We immediately called Synchrony XXXX XXXX right back to complete the transaction, at which time we were told that the cost of the XXXX XXXX was now {$5800.00} because a {$25.00} penalty had been applied to the price in the last 15 minutes. 
We were on the phone with XXXX for an hour complaining about the extra {$25.00} but to no avail. 
We finally just paid the {$5800.00} to be done with this shady organization. 
This bank and credit company is a nightmare!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  TRANSUNION INTERMEDIATE HOLDINGS , INC . 

I expect EXPEDITED removal of the Fraud Alerts, Etc. on my XXXX, TRANSUNION INTERMEDIATE HOLDINGS, INC., and XXXX XXXX Report. along with ALL VARIANTS OF EACH ENTITY.. 


This letter is to request the removal of the fraud alert 's etc, from my personal consumer report REMOVE IMMEDIATELY - Consumer Statement : XXXX XXXX XXXX IFCRA INITIAL FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCO REMOVE IMMEDIATELY - Consumer Statement : UNT. CONTACT CONSUMER AT ( XXXX ) XXXX REMOVE IMMEDIATELY - Consumer Statement : XXXX XXXX XXXX  IFCRA INITIAL FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCO REMOVE IMMEDIATELY - Consumer Statement : UNT. CONTACT CONSUMER AT ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Note : This is my Second complaint to CFPB and my 5th dispute with Experian.

Experian have yet to provide me with ANY copies of original documents ( a original signed contract with my signature ) that's required by the FCRA Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA Experian is required to PROMPTLY DELETE this Negative XXXX XXXX account # XXXX. 

Note : XXXX have Deleted this Negative UNVERIFIED ITEM
Product: Mortgage

I'm a veteran and I have been trying to sell my condo for almost a year now. The price started at {$140000.00} and after months of no interest from potential buyers the price was eventually lowered to {$97000.00}. I finally got a potential buyer who put in an offer for {$82000.00} and after about a month the bank ( Shellpoint Mortgage ) came back and stated that they wanted {$99000.00}. The buyer stayed at the {$82000.00} and after a few more weeks of waiting on the bank to make a decision the buyer lost interest then on XX/XX/2019 the bank said that they would accept {$79000.00} to close the deal. By that time it was too late and we lost the first buyer. Since the bank gave us the bottom line number that they would accept at {$79000.00}, my team lowered the selling price to {$79000.00}. Within 2 weeks we received a full price offer for {$79000.00} and then the bank took about 3 weeks and stated that they now want to get {$95000.00} to close the deal. This is unethical and unprofessional of the bank because they already gave us a bottom line price of {$79000.00}. As a veteran I have been through too much to deal with a bank that is trying to take advantage of me by going back on their original price which we got for them. I just want the bank to give the approval of the sale so that this property can go to someone that actually wants it instead of trying to bully a veteran into going into foreclosure. Any assistance that you can give is appreciated. Thank you.
Product: Prepaid card

I have tried to use the gift card at gas stations, XXXX and online at XXXX. All for under the amount on the card but every time it gets declined.
Product: Debt collection

To DISCOVER CARD in reference to your response from CFPB Hello, I would like to respond to some of these claim in your response : On XX/XX/, you spoke with a Discover representative regarding account activity. We note you shared intentions to buy gift cards for someone, the representative advised you of the possible scam, and you shared intention to use the entirety of your credit line along with questions involving frequency of verifying account activity. 
Response : I did purchase gift cards but there is no record of me stating that I would want to use the entirety of the credit line for this. In terms of the transactions with the other merchants, I have no idea what that is. There is no way that my balance of XXXX is accurate. I did purchase a few gift cards but in no way does it add up to that balance. I received the bank statements from you and it does not reflect. Also, the merchants that I am disputing are not related to these gift cards. 

On XX/XX/, you withdrew your fraud claims, taking financial responsibility for the transactions previously disputed as fraud. Notice of this action was sent to you and a copy of the letter has been enclosed. Subsequently the account was debited, reapplying the transactions to the account balance Response : Yes, this is accurate because I opened up an identity theft case and I was advised by a legal team to say that. However, I called a few months later and said that I wanted to reopen this investigation. Note, you already added all the correct provisional credit back into my account before I requested this case to be closed because you determined that it was fraudulent. After I knew that I was not going to be in any legal trouble and there was nothing that would happen : I wanted to reopen the case and I requested multiple times but you kept saying that I was now responsible for the transactions after you credited the account and determined it was fraud which is absurd and wrong. 

I did not authorize these transactions and I should not be responsible for this balance. I will continue to fight this and can provide you with whatever necessary.
Product: Student loan

Loan servicer : FedLoan Servicing At the end of XXXX I called Fed Loan Servicing at XXXX to request a {$20000.00} refund for payments I made during the Covid pause. They informed my request was accepted and I should receive the refund in a form of a check or directly deposited back to my bank within 3-8 weeks. 

On XX/XX/XXXX I called and spoke to a second agent to told me my request was still visible and I should be getting the refund soon. I checked Fed Loan 's webiste and it still shows my loans are paid off and have not be returend. 

On XX/XX/XXXX I called to check the status and ask if I needed to submit another request. They said no, they are still waiting for things to be processed. 

As of today, XX/XX/XXXX I would like to have my refund expedited so I can proceed with the loan foregiveness application. Please let me know when I should expect to receive an update on this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

it has been more than 30 days and the credit companys have yet to remove these accounts or send me any information about these accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX said I opened the credit card in 2017 at first I didn't remember it was so long ago but I have to consulting with my attorney we have determined it was fraud police were contacted also I contactedXX/XX/XXXX they said it was sold toXX/XX/XXXXXX/XX/XXXX I disputed both agencies because XX/XX/XXXXstill reporting on my credit report so if it was sold why is it still reporting on my credit report also it is fraud I don't remember taking this credit card it is almost XXXX years old plus the balance is more than the credit card itself please fix this issue this is stopping me and my wife and my family from getting our home our first home I am XXXX it's hard for me and it's stressing me out the company isXX/XX/XXXXXX/XX/XXXX it is reporting twice on my credit report they are charging me twice XX/XX/XXXX is and also XXXX XXXX XXXX XXXX is charging for this fraud
Product: Credit reporting or other personal consumer reports

I received a letter XXXX months ago stating that my information was leaked in a data breech and to create an account to monitor my credit report. Since then I have been receiving phone calls, text messaging and things have come on my credit report that I do not recognize also and old account from XXXX  years ago came back on my credit report as a new collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 I discovered a company named Credit Collection Services claiming I owed them money for a medical debt listed as a negative account on my credit reports ( all three bureaus ). I do not know this company. I sent them a 93A Demand notice requesting validation of debt and informing them in the state of MA it is not legal for a debt collector to place their name on a consumer report ( laws include : 209 CMR 18.18 : Unfair Practices and 940 CMR 7.07 : Deceptive Acts ). I requested immediate validation and removal from my report. 
Credit Collection Services failed to reply to me with any validation or correspondence but they did remove their listing from my XXXX Report and XXXX Report. They continued to report to XXXX. 
XX/XX/2021 I sent them a 2nd 93A Demand Notice again requesting validation of their claim and reminding them of Mass laws. 
They failed to reply or take any actions. They continue to list their account illegally to XXXX. 
XX/XX/2021 I sent them a 3rd notice informing them complaints would be filed with the authorities for fraud and violations of the FCRA and FDCPA. They again failed to reply and continue to report to XXXX harming my credit and making fraudulent claims.
Product: Credit reporting or other personal consumer reports

I looked over my report XX/XX/2024 and Ive noticed some things that are in complete and accurate and according to the fair credit reporting act whenever consumer reporting agency repairs! Its your follow reasonable procedures to sure maximum possible accuracy of the information concerning the individual bounce home the Report relates to these accounts are the ones which are in question Names and address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to 15 USC 1681S/to a person shall not furnish any information relating to a consumer any consumer reporting agency if the person knows or hasReason to believe this information is in accurate please remove these things immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. All items listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX XXXX XX/XX/2019 {$3500.00}, XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$0.00}, XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/2019 {$160.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX XXXX I submitted a complaint to CFPB regarding Experian failing to remove or provide any due diligence to perform a proper investigate regarding a negative reporting erroneously by XXXX XXXX on my behalf. The first week of XX/XX/2022 I spoke with an Experian Representative XXXX XXXX and expressed my concern on how could he return the following day with an investigation conclusion regarding my claim if a proper investigation was performed. His reply was that he electronically submitted a verification which solely confirmed my name and address and that that was suffice. According to the FCRA such investigation is not deemed proper regarding the investigation process. The account in question was never written off to a collection agency neither was I ever delinquent on the services to which I was billed ; instead XXXX XXXX charged me for XXXX devices that was stolen in transit back to their warehouse even after I submitted the tracking information which was reported to them immediately. So again I was never delinquent on a bill and the cost that they sought was for equipment that resulted in theft. XXXX was well aware of this issue. The only reason why I settled a portion of the balance was because I acquired a new job with them and was forced to do so. The nature of it being in collections or a past due bill is false. Experian 's fails to conduct proper investigations, which are set in place to protect me as the consumer but instead they assist in creating further damages. That account dropped my score by XXXX XXXX  and has caused significant damages to my credit.
Product: Credit card or prepaid card

This is a two-fold complaint. First, With Wells Fargo. On XX/XX/XXXX I started working for a new company called XXXX XXXX XXXX. I was to XXXX XXXX  with my Credit Card and get re-imbursed through a WF account that I would have the routing and account number too. I never received a statement so could never verify the actual account. After making my first submission for repayment of {$2300.00} on XXXX my Bank, XXXX, within one day XXXX would tell me the funds were " RECEIVED AND CREDITED '' to my account and the new balance was XXXX. I was then free to go buy more goods as I was supposedly " paid in full. '' On approximately XX/XX/XXXX this was returned. On approximately XX/XX/XXXX I charged {$9000.00} on my VISA ending in XXXX and on the XX/XX/XXXX the check was returned UNPAID. I resubmitted it to the Wells account and it was returned again. This has happened six times now and all the money is on my CC one card for {$20000.00} and another for {$28000.00}. BOA says it a fraudulent account and that the account info was not the company I worked for but rather a stolen account of a wealthy individual who may not notice this charges until an auditor finds them and reverses them EVEN IF THAT IS 4 MONTHS AFTER. How can a bank, WF, allow anyone to withdrawal money on an account that is not there's? How can XXXX tell me my account is credited and then return the funds weeks later?