23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues but only after I reached out to them first. To this day I have no access to my funds which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are incorrectly reporting me as an Authorized User on the XXXX XXXX XXXX partial account number ****XXXX. ( Please see page 4 of my credit report attached. ) I called XXXX XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however XXXX and Transunion have not removed this from my credit report. I have contacted the two bureaus to fix this issue but I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting a complaint to you today to notify you that I was the victim of identity theft. I studied on how to DELETE the fraudulent accounts from my file and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to REMOVE these accounts listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the inaccurate pieces of information which were being posted to my report. 

Here is the list of accounts which do not belong to me or were opened without my authorization : XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$550.00} ; XXXX XXXXXXXX Balance : {$190.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$7500.00} ; XXXX XXXX XXXX XXXX Balance : {$920.00} ; XXXX XXXX Balance : {$0.00} ; ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$4500.00} ; XXXX XXXXXXXX Balance : {$56.00} ; XXXX XXXX Balance : {$110.00} ; XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$4000.00} 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 alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to dispute items on my consumer report to XXXX, XXXX, AND XXXX, the investigation took well over 30 days
Product: Debt collection

Transworld is a company that's hired by the XXXX in New York. They claim that they called me for a payment arrangements and that's a lie. When I asked to speak to a supervisor that told me there was no supervisors, the representative was very rude and refused to help me. She cursed at me and she also informed me that it wasn't her problem for me to solve my own problems
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been requesting, since XX/XX/2021, verification of these alleged debts that the Bureaus keep reporting on my credit files. However, credit bureaus and these companies - XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX failed to investigate & obtain, as mandated by law, proof of such debts. Yet, they continued to report & sell erroneous information about me. Therefore, it is quite obvious that they have deliberately violated my rights in more than one way which is punishable by law. Please remove the accounts immediately
Product: Credit reporting or other personal consumer reports

I pulled my credit report and discovered that there are 2 address that I never resided at and there are that have been opened in my name without my permission or consent I gotten a police report and submitted to all of credit bureaus, and they refuse to remove the items nor the address that are assigned to these fraudulent accounts. XXXX XXXX XXXX XXXX SC XXXX and XXXX XXXX XXXX XXXX SC XXXX I am writing to dispute an unauthorized access to my credit report, which I believe is in violation of 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ). Specifically, I have discovered that my credit report was accessed without consent. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report from the report as soon as possible. The information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last XXXX months, or the last XXXX years for employment purposes. 
Additionally, please provide the names, addresses and telephone numbers of each credit grantor or other subscriber. 
Under federal law, you have 30 days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy of the completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your re-investigation.
Product: Money transfer, virtual currency, or money service

Using binance.us, I had a chargeback occur of XXXX dollars. Deposited the amount after realizing and they took it immediately. But instead of that being done they locked any withdraws or trading, and I'm now stuck losing money in a position and can't sell or pull money out. This has been over a month now. I have opened multiple support tickets with zero answer and have XXXX them multiple times with no answer. They are with holding my money which should be illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove XXXX XXXX XXXXXXXX, XXXX and XXXXXXXX XXXX  off my credit report these account are volating my rights under the FCRA under idenity theft on veterans in XXXX XXXX on XXXX. THESE ACCOUNTS ARE IN LITIGATIONS with TRANSUNION AND XXXX for applying these accounts without first verifing accurate information on personal credit files. Please hold these credit bureaus accoutable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : Incorrect personal information To Whom It May Concern : I recently reviewed my credit report and noticed you have incorrect personal information in my file. Please use the documents Ive provided to update my correct full name and address. Also, please remove any names that dont match my ID. Please remove any addresses that dont match my current and valid address. 

I have included the following information : Copy of my photo ID Proof of current address Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the FCRA requires consumer reporting agencies ( or CRAs ) to conduct a reasonable reinvestigation to determine whether disputed information in a consumers file is inaccurate. 


Under the Fair Credit Reporting Act, you have 30 daysto resolve a dispute. If the item can not be verified by the creditor within the time frame, it MUST BE be removed from the report. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Consumer Loan

In XX/XX/XXXX, we took out a land loan from M & I bank for {$42000.00} at an interest rate of 8.5 % for XXXX yrs. This complaint was previously filed as case # XXXX. I am attaching a copy of our statement to show that after paying this loan for 8 years, we have decreased our principle only by {$4800.00}. So far, YTD, we have decreased our principle by {$180.00} ( this is through XX/XX/XXXX ). We spoke with XXXX XXXX ( BMO Acct Mg ), and he wanted us to apply for a new loan, pay the fees and the appraisal, but then he could not guarantee us that they would do the loan or what the interest rate would be. They have the loan. It would be in their best interest to help us to reduce the interest rate and make the payment more affordable as well as assisting in paying off the principle. I do n't see how, at this rate, we are ever going to pay off this loan within 22 years. Also, 8.5 % is a high interest rate in today 's market. We need assistance in getting this loan payment reduced. My husband is now retired and I am the sole payer on our loans. We would like someone to please look at this and assist us as BMO has not assisted us at all. They have no interest in helping us.
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXXXXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone fraudulently opened a XXXX credit card under my name. I did not open any new accounts or have my credit checked. I contacted XXXX and they closed the account. I told them to remove that fraud from my credit report. I then disputed the fraud on my report with all XXXX credit bureaus and XXXX XXXX now just says they verified the account information. It is not me and i want this fraud removed ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2021 car was criminally damaged, a unknown person or individual intentionally caused damage to my vehicle. damage outside and inside the vehicle, white unknown substance was poured in the engine, radiator and gas tank, which caused damage to the engine, engine, is fully blown, I requested XXXX XXXXXXXX XXXX XXXX to come and pick up the vehicle, vehicle is still sitting. and incorrect information is reporting incorrectly on my credit report, i have full coverage with XXXX and XXXX refuses to pay, so I had no choice but to request vehicle be picked up... .we have made many calls to impound and nothing is being done at all, they should be putting a hold on this issue until we get this all squared away...
Product: Credit reporting or other personal consumer reports

I DO NOT consent to any automated scan response or e- XXXX XXXX methods. I reached out to all three credit bureaus Transunion, XXXX, and XXXX to dispute incorrect and invalidated reports provided by XXXX XXXX XXXX XXXX. XXXX removed the account from my report due for several reasons. Howerver, XXXX and Transunion continue to validate this incorrect information but provide no evidence after multiple re-investigations. XXXX XXXX XXXX is required to report the same information to XXXX, Transunion, and XXXX. and each are required to report the same information which is not happening. There is conflicting information shown on the 3 separate accounts This constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Transunion currently reports no payment history at all for this account. XXXX is still missing data. But the only resolution is deletion since one bureau has already determined the information to be deleted. Further, Transunion and XXXX continue to violate my rights by not providing specfic information requested to document a bona fide dispute process. This constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I requested your credit bureau to initiate an investigation and to validate this information more than 4 times. This information was not validated. This information has greatly impacted my ability to qualify for other opportunities and I have been denied opportunities because transunion and XXXX refuse to remove incomplete, inaccurate information., I demand this innaccurate and incomplete report be removed from my credit profile immediately or federal and civil litigation will be sought pursuant to FCRA violations and damages
Product: Debt collection

XXXX   XXXX   XXXX   XXXX  is attempting collect debts that are not owed. I had contacted the original creditor numerous times with several  hundred  e-mails and letters to the company including the company CEO explaining the debts are not owed.  Capital One  refused to reply. Additionally the debt is outside the statute of limitations and therefore can no longer be collected on.  XXXX   XXXX  has issued trades lines on my credit bureau listing.     Additionally, complaint  XXXX  was filed on  XXXX   XXXX ,  2017    against  XXXX   XXXX .     The companies response was they would validate the account.   XXXX   has failed to provide any type of validation, nor has sent any notice that a debt is owed to  XXXX .   XXXX    responded to the complaint on  XXXX   XXXX ,  2017 , and 60 days have now passed without any type of debt validation.
Product: Debt collection

I submitted a letter to XXXX to REMOVE collections from Central Financial Control from my credit reports because they are not licensed in the state of Tennessee. Although I did not personally reach out to Central Financial Control but to the credit bureau with the info from the Tennessee verify page it was not removed.
Product: Credit card

XX/XX/XXXX Signed up for XXXX XXXX XXXX ( XXXX ), CapitalOne ( XXXX 's ) credit card charged {$XXXX}. 
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX has Three-Day Right To Cancel ) ; contacted XXXX and called XXXX ; Need to contact on Monday XX/XX/XXXX Talked to XXXX XXXX and XXXX instructed to send her an email with details ; email sent XX/XX/XXXX @ XXXX XXXX  XX/XX/XXXX {$XXXX} credited to credit card ; appeared on XXXX statement XX/XX/XXXX XXXX XXXX XXXX ( Sales person we worked with on XX/XX/XXXX ) XXXX XXXX called and XXXX XXXX a reduced cost option. Said we'd think about it. Never returned call. 
XX/XX/XXXX Date on letter of dispute acknowledgement from CapitalOne XX/XX/XXXX Received letter dated XXXX from CapitalOne with a list of requirements ; provided requested information and documentation ; mailed XX/XX/XXXX XX/XX/XXXX Sent registered letter to XXXX, XXXX XXXX signed for XX/XX/XXXX XX/XX/XXXX letter from CapitalOne saying our information was incomplete ; XXXX called CapitalOne to ask what else was needed ; talked to XXXX and XXXX ; got the run around ( call was more than an hour ) and no clear direction XX/XX/XXXX emailed XXXX XXXX about the unresolved dispute with XXXX requesting help. no response XX/XX/XXXX Sent email to CapitalOne and it was blocked so sent certified letter to CapitalOne XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX again explaining situation XX/XX/XXXX date on Letter from XXXX requiring payment plus interest. 
XX/XX/XXXX Letter dated from XXXX update of dispute informing us to contact merchant!!! 

We never used the services and have followed all instructions from both sides without resolution. Evidently XXXX acknowledged the cancelation or their service rep, XXXX would not have contacted us with another program option. 

Documentation for all interactions, i.e. correspondence, emails, phone records etc is available. XXXX has copies.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX bill was due XX/XX/XXXX; I paid XX/XX/XXXXXX/XX/XXXX - 17 days late. They reported me to credit bureaus as being 30 days late. I sent them a message XX/XX/XXXX but received no resolution. I disputed with Transunion, and XXXX/XXXX reiterated the 30-day late payment. I also find I was charged XXXX credit insurance on my account which I never signed up for.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account XXXX XXXX for {$190.00} was disputed and deleted on XX/XX/2020. It has now reappeared back in my report. This is illegal and I want it removed
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter of dispute to XXXX, Transunion, and XXXX on XX/XX/2023. I explained that the account for XXXX XXXX was reporting incorrectly. The account was charged off and keeps reporting as being updated each month. All 3 bureaus came back stating the reports were updated without providing me with the proof or documentation used to validate the account.
Product: Credit reporting or other personal consumer reports

I noticed a couple of tough inquiries from Capital One on my credit report. They offer another service called Credit Wise, which allows you to monitor your credit score. Someone signed up using my Social Security Number, and there is a phone number associated with it that I am not familiar with. When I contacted the bank, they informed me that there is no other number linked to my account besides my own.
Product: Credit card or prepaid card

Dear Complaint Division Of Consumer Finance, I made a purchase of XXXX on XXXX XXXX. I called Capital One on Wednesday XX/XX/1920 to pay full payment ( XXXX ) for this item. During this conversation I was informed the minimum due of XXXX would apply to this account and the balance ( XXXX ) would be applied to the cash advance statement. He mentioned I had an outstanding unpaid XXXX cash advance balance. I was shocked because I pay my bill on time every month. I was not aware the monthly statement does not clearly show two separate payments are due. My account summary clearly state 0.00 for cash advances. I was informed payment is only made to the cash advance bill if I paid more than the minimum amount due on the bill for purchases. After being informed of this I asked the rep for a detail list of all cash advances ( laid off twice  ) since payment has never been made for years, knowing it resulted in enormous us fees and charges.I was not able to obtain a complete list. I have paid XXXX to XXXX over the minimum amount due yet it was never reflected on my statement. The extra amount paid last month does not reflect on the current statement.During my conversations with Capital One staff not one has ever mentioned the cas advance bill nor did they mention the extra amount was going to be apply to cash advances. It was never brought to my attention by phone, email or by mail of non payment for cash advance bill. This amount has double. Im happy I did not pay the XXXX by mail or online because only XXXX would have been applied and not the entire amount. I appreciated your assistance with resolving this matter. 

Thank you and eagerly await your reply.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding inaccurate late payment information that is being reported on my credit report by TRANSUNION with XXXX XXXX After reviewing my credit report, I discovered that this account is incorrectly marked with late payments for the months of XX/XX/year> AS A LATE PAYMENT. WHEN THE OTHER CREDIT AGENCIES ARE REPORTING OTHERWISE I firmly believe these late payments are inaccurate for the following reasons : I WILL ATTATCH A SCREEN SHOT WITH THIS REPORT According to the Fair Credit Reporting Act ( FCRA ), I have the right to have accurate information reflected on my credit report. Since these late payments are not accurate, I request that they be thoroughly investigated and promptly removed. I kindly ask that you contact TRANSUINON to verify the accuracy of these late payments, and I request that you take appropriate action to ensure that my credit report reflects only accurate information. I appreciate your attention to this matter and trust that this issue will be resolved promptly.
Product: Mortgage

My mortgage was sold to another company during the partial claim process, so both companies filed partial claims with my county recorder of deeds. I have been trying to work with both companies for a year to get this issue resolved. This has prevented me from refinancing my mortgage and saving over {$300.00} dollars a month in interest charges. These two companies Flagstar and XXXX, have promised me multiple times over the course of the last year that they would get the issue resolved, and they have not. I believe that Flagstar is trying to prevent me from refinancing so that they can continue to get higher interest payments. I have filed complaints with the XXXX  and they suggested that I file a complaint this way to get some resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am placing a freeze on my credit files at XXXX, XXXX, and Equifax, as it seems like the only sound method now to protect myself from identify theft. There is a fee, with each bureau, to freeze and unfreeze my files. Due to the frequency, pervasiveness, and severity of data breaches ( especially the most recent Equifax breach ), the fee is an unjust burden on consumers.
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.
Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. XXXX attaching the required FTC Report for you and the bank 's records. Please remove these items. 
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 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