23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I am missing up-to-date credit information from use of my Capital One credit card at the three major credit reporting agencies. This can be seen in Complaint ID numbers XXXX, XXXX, and XXXX. In summary, when I call all three agencies they say they only report what Capital One sends them and that is the issue, they do not have the complete information. When I called Capital One to ask them why this is the case. They say I need to go back to the credit agencies because they have sent them up-to-date information and they are not reporting it correctly. I am now left with severely falling credit scores as a result and having no clue what to do next. I have made all my payments on time and for the total amount due in all cases. I need help as one party is not telling the truth and I am caught in the middle.
Product: Credit reporting or other personal consumer reports

There are accounts that were opened as a result of identity theft and are reporting to my consumer file. There is also incorrect information that does not belong to me being reported, such as names, addresses, phone numbers and employment. My information was compromised and used without my permission. I have brought this to the attention of Experian, XXXX and XXXX and submitted my ID Theft report along with proof of identity, however they are still reporting accounts and information that does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX my account was charged off and it was also charged off XXXX XXXX in XXXX and also XXXX XXXX of this year. I made payments caught up and was current as of XX/XX/XXXX XXXX XXXX XXXX never reported my payments to the credit bureau I found out XX/XX/XXXX that they were reported my credit as a charge off and my credit score continuously dropped every month so I stopped paying and now theyre still charging my account as Charge off and saying I owe more than what I owed from the last Payment which was made in XX/XX/XXXX I need help please and thank you.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ATTENTION TO XXXX XXXX : This letter is regarding account # XXXX which you claim I owe a debt or balance of {$90.00}. This is a formal notice that your claim is disputed. This account is fraud and an re report. In addition, in violation of state and federal laws pursuant to : State Law title15 PA C.S. 5525 four year limit on contracts and Federal Law title 15 U.S.C.1692 ( 2 ) can not discuss dept with third party and title 15 U.S.C . 1692e ( 10 ) false and deceptive statements.
Product: Debt collection

XXXX XXXX  XXXX XXXX put a collections on XX/XX/2019 for {$1300.00} open date invalid. I have had this removed once because this is not my acct I will attach what the creditor before sent me on this before hand. It belongs to another person! Please have them remove this account!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX Apt XXXX XXXX, Arizona XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 6. 15 U.S. CODE 1681O - XXXX XXXX  FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


7. 15 U.S. CODE 1681O - XXXX XXXX FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 


8. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX Account Number : XXXX Please remove it from my credit report. 


9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Account Number : XXXX Please remove it from my credit report. 


10. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


11. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


12. 15 U.S. CODE 1681O - XXXX XXXX FOR NEGLIGENT NONCOMPLIANCE XXXX Account Number : XXXX Please remove it from my credit report. 


13. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 


14. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 


15. 15 U.S. CODE 1692G - VALIDATION OF DE BTS XXXX  Account Number : XXXX Please remove it from my credit report.. 



XXXX. The inquiry was not authorized CPS Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


Please remove it from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. 
Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXXXXXX XXXX  XXXX for {$790.00}, XXXX # XXXX XXXX XXXXXXXX for {$1200.00}, XXXX # XXXX, XXXX has violated my rights. 15 U.S.C 1681 section A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Checking or savings account

XXXX -- I have been unable to access funds that were deposited to my account. I work for the XXXX  XXXX  and receive auto deposits every two weeks. Normally, this money is reflected in my account the Thursday evening before " pay day ''. When I checked last night, I received a message at the top of my account -- Restoration is underway to fix vendor issues impacting deposits, payments, transfers and account visibility. Today, Friday, XXXX, I have been on hold on the phone trying to connect with someone at Capital One for more than one hour. The message about high call volume and looped music, I assume is played to make me disconnect -- it can be the only reason for it. I expect my Federal salary to be in my account on time, without any errors. This bank failure is unacceptable and very worrying. I have bills to pay and not sure if I can even do that with the existing funds ( reflected in the account ) since some payments made earlier this week are not showing as paid. I can not determine the status of payments, my correct checking balance and when this will be corrected. Capital One owes its customers better service. I am not certain of the duration of this outage but this must be impacting many other families. I would appreciate an investigation of this problem and a quick resolution.
Product: Debt collection

Convergent Outsourcing Original Creditor- XXXX XXXX Account address- XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , LA, XXXX Collection opened on XX/XX/XXXX Original debt from XXXX I moved from the address associated with the collection account 3 years ago. My phone number changed within that time but not until XXXX. I never received a call from the original creditor stating I owed anything. Received a call last week in regard to this debt from Convergent Outsourcing in the amount of {$180.00} from XXXX XXXX. 

The collector didnt want to identify themselves and I questioned if it was even real since the agent was so reluctant to even identify themselves. 


I updated my address and received no communication in regards to this in XXXX years. 


Once on the phone with the agent I asked what it was in regards to because I had no idea. I simply asked if the CO representative to send me a validation letter so I could review the debt. I called the original creditor to ask if the debt was valid. Although I question the validity of the debt I was happy to settle the debt in full after being notified of it. I told them that I could pay them once they sent a final bill as I never received anything. 

I received a collection on my credit report notice this morning from both the XXXX and XXXX. I wasnt given any time to pay the debt or any real notice in regards to the debt and any documented validity that I even owed the debt in question. I even paid it just because I didnt want it to keep staying on my credit but havent received any notice from either agencies on what I allegedly owed in writing. I had no issue paying the debt I just wanted to receive a validation letter in writing.
Product: Money transfer, virtual currency, or money service

On XX/XX/2024, I sent a wire transfer from my bank account to a recipient whose account is on Bank of America. However, I made a small very understandable mistake when writing the name of the recipient, and Bank of America reversed this wire and charged an extra {$45.00} fee when refunding the amount back. I had no agreement with Bank of America on this and there were no warnings what so ever and it feels like my money was stolen, and they will not honor it back.
Product: Money transfer, virtual currency, or money service

XX/XX/24 Afternoon An individual my husband was friends with on XXXX posted that she had concert tickets available for purchase. We were interested, so I began talking to this person over XXXX XXXX. She gave me what she told me was her husband 's Paypal email address to send payment. 

XXXX I received email confirmation from PayPal for the {$2000.00} payment I sent. Shortly after, my husband saw the PayPal account I sent it to and said " That's not her husband! '' That's when we realized it was someone impersonating his friend. 

XXXX I called PayPal to stop the payment. The individual I talked to said she would send an email to the recipient requesting a refund. I asked her what else could be done, because I didn't think it was realistic for a scammer to say " Oh, you didn't want to be scammed? Okay, here 's your money back. '' She said I should talk to my bank. I called my bank ( XXXX XXXX  ) and they told me they couldn't do anything until they could see the payment in Pending Status, which was not yet the case. 

XX/XX/24 I called XXXXXXXX XXXX again. This person told me that as of XXXX the payment was in pending status, but only PayPal would be able to stop it. I couldn't report the fraud to XXXXXXXX XXXX until it posted to my account. 

So I called PayPal again. They told me the payment was not covered under their purchase protection since I sent it as a personal payment. They would try to get the money from my bank, and suggested that I either open a police report, or report the incident to ic3.gov. Since I doubted the person who received my money was local to me, I reported to ic3.gov. I have not heard anything from them, though I'm not sure if I was supposed to. 

XX/XX/24 The money has now been withdrawn from my account, so I called XXXX XXXX  again. They opened a fraud case for me. 

end of XXXX I received a letter in the mail dated XX/XX/24 stating that my claim was denied because I either authorized, initiated, or benefitted from the transaction. 

XX/XX/24 I called PayPal one final time, telling them that XXXXXXXX XXXX had denied my fraud claim, and asked what could be done. They again said they would send an email to the recipient asking to refund my money, and they will monitor that account. 

I understand that PayPal has processes in place to protect them from liability, one of them being the ability to send a payment to a business vs an individual. The problem is that scammers know how to outsmart those rules. This individual was posing as my husbands friend for a lengthy period of time. Long enough that we had no reason to believe it was not the person we knew. If it were the case that I didn't realized my mistake until after the payment posted, I would understand. But I realized my mistake MINUTES after I made it. And called PayPal immediately. Because of this, I believe they should have been able to help me. 

Please let me know if there is anything I can do to get my {$2000.00} back. And alert others to be vary wary who you transact with online. It might not be who you think it is. 

Thank you.
Product: Credit card or prepaid card

Explicitly instructed card not to allow specific merchant not to make any charges on my account after writing to merchant and cancelling their services. Card continued to allow the merchant to charge my account even after providing them with written copy of the cancellation. 

I made a complaint to the XXXX, and the merchants Vp even said charges would be reversed yet this past Saturday and Tuesday morning XX/XX/21 the disputed charges are now showing up on my cc account again. 

I even fully paid off the credit card account and closed it a few months ago to ensure no future unauthorized charges got pushed through in the future and now those disputed charges from the merchant are showing back up on my statement even though the card is closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX XX/XX/XXXX This is absurd, How is it possible to have a late remark that starts in Late 90 days without prior late remarks.
Product: Credit card or prepaid card

I applied for a credit card for XXXX through Comenity Bank in XX/XX/2020. 2 weeks later they sent me a letter in snail mail to send them copies of my driver license, social security card, and a recent bill. I thought this was very sensitive information to request and so I called to verify and they stated it was correct. I went ahead and mailed this sensitive information priority mail and called every other day to verify they received it because of how highly sensitive this information was. After 3 weeks from the time I mailed these documents, their mailing department put a note on the account stating they finally processed my information. I was told at that time over the phone that my application would be approved. 7 days later I received another letter stating my identity could not be confirmed. I attempted to call and no one from that department would speak to me to give me more information as to what was going on. I sent highly sensitive information and received NO COMMUNICATION except letters thru snail mail which did not provide proper information. The letter only stated if I wanted to contact them back to write them another letter thru snail mail. I do so and yet again I have heard nothing. I called today and now they are stating my application is closed because it is over 30 days which doesn't make any sense since everything has been on THEIR time and NO COMMUNICATION except random snail mail letters. I requested the company if they are not going to follow procedures then I want the hard credit report inquiry to be removed and my sensitive documents to be mailed back to me as they should not keep those records. This company needs to be reviewed on how they are handling applications, documents, and communication with consumers. My application should have never been closed due to identity as if there was any issues them their department should have contacted me with any questions. My address on my license has my previous home that I sold in XXXX ( which shows on my credit report ) and the bill I sent in with the documents showed my current address ( which also shows on my credit report ). This department did not follow proper procedures in researching/comparing my information properly with the selling and purchasing of my homes. No communication or followup on this process is a failure on their business.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Most importantly I have requested a reinvestigation of these account below. Transunion has stated that everything was complete and accurate. Can you tell me how is that possible when open date, last activity are much more is incorrect. Delete the accounts below because this is causing stress and agony on me. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that isnt reporting correctly. 

Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name XXXX XXXX ( Original Creditor-The XXXX XXXX XXXX ) Account number : XXXX Account name : XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number : XXXX Account name : Consumer Adjustment Account number : 1740 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It Also states consumer reporting agency can not furnish a account without my written consent.

15 U.S.C 1681 c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relation to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is accurate.

Mostly importantly they are not in compliance with metro credit reporting. I have evidence to prove my case.
Product: Credit reporting or other personal consumer reports

I found a number of mistakes on my personal Information, and these non-mailable addresses. I contacted XXXX, Equifax and XXXX in order to resolve these issues. They have down right failed to comply with FTC Regulations and refuse to fix these issues, this is a clear violation of my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Credit information was compromised in the Equifax Breach because of this breach of my information a account was open in my name at XXXX in Account ID : XXXX XX/XX/XXXX. XXXX  send me a letter informing that the account was fraudulent informing me a letter would be sent to each Credit Reporting Agency,  Equifax is still reporting this account as of XX/XX/XXXX. I wrote Equifax a letter XX/XX/XXXX concerning this matter along with the fact Equifax Credit Score is 50 to a 100 points lower than the other credit reporting agencies. This has been going on for my many years it appears Equifax rate XXXX Consumer lower on the same data range from a 584 to a 643 depending who the information is sent to I am tired of Equifax affecting the quality life I can provide for my family.
Product: Credit card or prepaid card

Beginning in XXXX, I got involved in a scam on my Discover Card, which had a {$12000.00} credit limit. I didn't know that it was a scam in the beginning. I got 2 or 3 cash advances - all within the limits of the card - over a period of time. I did the cash advances - the person I was helping financially did NOT have access to my card or card number ; however at some point, he was able to hack in to my account or do a card takeover. He made a payment on my account and then before the payment could clear, he recalled it. This happened twice AFTER I got the cash advance. Needless to say, this put my card way over the {$12000.00} limit. I ended up owing {$30000.00} ( +- ) on the card instead of the initial {$10000.00}. When I contacted Discover to say, " hey, I didn't do this and why did you allow this to go over my credit limit! '' they insisted that I had participated in the scam and are holding me responsible for making payments. 

In XXXX, out of desperation to not further damage my credit, I asked if they could help me. The lady I spoke with was very nice and also didn't understand why I was having to pay for this scam. She set up a hardship program for me where I now pay {$530.00} a month for 5 years on this debt - debt that I did not create and isn't mine to pay. They are continuing to victimize me by holding me responsible. I sent them a Certified letter a few months ago - return receipt requested - and repeatedly called them. They have failed to do anything that is beneficial to me. I even asked them to restore my card back to the credit limit of {$12000.00} and let me pay that even though that's more than I originally owed on it and write off the remainder of the charges to fraud since I didn't create this mess. They have refused repeatedly. 

This has created a very big hardship on my family. My husband is retired, income is set, and I can not continue to pay this debt for 5 years ... I had to take on a second job to be able to do this and at XXXX years old, I can not do it long term. Its ridiculous that I should have to pay for someone else 's evil doings. I repeat, I DID NOT give anyone my card number ... all I did was try to assist someone who said they needed financial help. Admittedly I was too quick to trust, but I should not be responsible for the evil doings. It appears that this person did a credit card takeover! I would appreciate any help that you could give me.