23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

My CapitalOne card information was used without my permission by an unknown source, aka : fraud. The unauthorized charges totaled almost {$400.00}. CapitalOne initially reversed all of the charges and opened a case to investigate. After over XXXX months of back and forth, several hours on hold with their support and my re-issued card information also being stolen and used without my knowledge or permission, I am still being held responsible for {$15.00} of charges that I did not make. CapitalOne has refused to believe me when I say that certain charges are fraud and I am filing a complaint because they are not abiding by their card agreement and have made this situation unnecessarily difficult for me, the consumer. 
I discovered several charges on my account from XXXX, XXXX, XXXX XXXX, and XXXX brands starting on XX/XX/2020. I called CapitalOne as soon as I noticed and reported the fraud charges on XX/XX/XXXX. CapitalOne advised me that because I already had an account with XXXX and XXXX they could not report it as fraud because those companies could possibly have my card information. CapitalOne also advised me to call XXXX and XXXX and ask them to investigate those charges. CapitalOne opened a charge dispute case, cancelled my credit card and issued me a new one. 
When I called XXXX and XXXX, they both confirmed that my credit card, and address information were used to open a new account. This was done without my knowledge. XXXX issued a refund some of the charges. 
When I received my new CapitalOne credit card in the mail and activated it, the next day ( XX/XX/2020 ) I started seeing new charges from XXXX and XXXX. I had to call CapitalOne and cancel my card again and report the fraud. CapitalOne again told me that they couldnt file the charges as fraud because I have XXXX and XXXX accounts. 
On XX/XX/XXXX, I spent 3 hours on the phone and was transferred to 4 different representatives and they assured me that they were opening a new case and I would receive a letter in the mail outlining what is being done. I still have not received anything in the mail, and I tried calling their support line again on XX/XX/XXXX. The wait was over 1 hour so they said they would hold my place in line and call me back when a representative was available. No one called me back. I am now stuck in a tough situation because if I dont pay my card balance, I risk hurting my credit score/report. 
I have been re-issued another card but have not activated it for fear that it will again be used fraudulently. 
CapitalOne has been extremely unhelpful and had made this entire process unnecessarily difficult and they are taking advantage of their customers with this method.
Product: Money transfer, virtual currency, or money service

on XX/XX/23 I initiated an {$80000.00} Electronic Funds Transfer ( EFT ) from my account at XXXX XXXX XXXX ( NFS ) intended for my account at Bank of America ( BoA ), however, I transposed two digits of my BoA account number, Bank of America received and deposited the funds into the wrong account number provided failing to match the account number and my account name provided. A few days post transfer, I notified BoA of their error and missing funds and XXXX promptly filed a reclaim with Bank of America. Bank of America informed me the account holder who received the mistaken funds closed the account on XX/XX/23 and was issued a cashier 's check. Bank of America claims no responsibility to match account name and number when receiving EFTs and declined to return funds nor to pursue a fraud claim vs the account holder and directed me to file an FBI report which I did. my account number at Bank of America is XXXX, the account number the funds were transferred to was XXXX. Bank of America routing number for electronic transfers is XXXX. My account officer at BoA ( XXXX XXXX, XXXX, XXXX ) encouraged me to pursue legal action vs BoA.
Product: Mortgage

I have had repeated issues and concerns with LoanCare. I recently refinanced with a different bank, and in spite of paying off my loan with LoanCare and stopping my automatic payments, LoanCare continued to withdraw funds from my checking account ( over {$1500.00} ). I called LoanCare and they explained that automatic payments were not active on my account, nor did they have any credit on my account reflecting the payments that were still being withdrawn from my checking. I called my bank and they explained that the money was indeed being withdrawn by an external party, namely LoanCare ( it says it right there in the transaction description ). My bank is blocking LoanCare and reimbursing me for the amount that LoanCare claims not to have.
Product: Credit reporting or other personal consumer reports

I sent disputes to XXXX, Equifax, and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them of the violations they were making to my consumer report. It has been over 30 days and they have failed to respond. I am attaching copies of all letters sent below. 

This company has violated FCRA XXXX23 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Product: Debt collection

I have been receiving daily or multiple times a day calls from Convergent Outsourcing , Inc . I was not able to determine who was calling me until today. When I began receiving the calls, from what is obviously a spiffed number and a non-existent area code, I called back to see who or what it was. I was asked, upon answering, if my name was XXXX someone. I replied no, and told them to stop calling my number. I told them I had no idea who the person you are trying to reach is. After stating this, I was immediately hung up on. I went through this three or more times over the next several months then stopped trying. The calls persisted once or twice a day and I even received one text. Today I answered the call and immediately asked to speak with a supervisor. I was instantly hung up on. I called back eight times asking for a manager or supervisor. I was variously told that he was in a meeting. He was unavailable. He would call me back if I provided my phone number. He would not speak to me unless I informed the agent what the reason for the call was, which when I provided it, resulted in being hung up on again. On call number 9, the agent who answered was a breath of fresh air acting professionally and putting me on hold to get a supervisor on the line. The supervisor was a woman named XXXX XXXX, Employee ID : XXXX. She addressed the issue professionally and assured me I would receive no more than two additional calls while the system removed me. Convergent Outsourcing violated my rights by continuing to call me repeatedly even after telling them multiple times they had the wrong number. When I called to correct them I was hung up on repeatedly. I want to file a claim for punitive damage. Can I do that at CFPB like I would be able to on the FTC website for unsolicited calls?
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information that appears on my credit report provided by XXXX. Upon reviewing my credit report, I have identified an account labeled XXXX XXXX XXXX XXXX that I did not open or authorize. This fraudulent account is not associated with any transactions or activities conducted by me, and its presence on my credit report is a clear violation of the Fair Credit Reporting Act ( FCRA ). 

The fraudulent account details are as follows : - Account Name : XXXX XXXX XXXX XXXX - Account Number : XXXX - Reported Balance : {$600.00} - Date Opened : XX/XX/year> - Status : Collection account The inclusion of this fraudulent account on my credit report not only represents a severe breach of my financial security but also poses a significant threat to my creditworthiness and reputation. As per the FCRA regulations, credit reporting agencies bear the responsibility of ensuring the accuracy and integrity of the information they report on individuals ' credit profiles. 

Section 611 of the FCRA explicitly outlines the responsibilities of credit reporting agencies when reporting fraudulent information, emphasizing the need for accurate and timely investigation of disputed accounts. The presence of unauthorized and fraudulent accounts on my credit report not only compromises my financial standing but also violates my rights under the FCRA. 

I demand that the fraudulent account labeled XXXX XXXX XXXX XXXX be promptly investigated and deleted from my credit report. This unauthorized account poses a serious risk to my credit reputation and financial well-being, and its immediate removal is imperative to mitigate any further harm. 

I expect a prompt response and the deletion of the fraudulent account from my credit report within the legally mandated timeframe of 30 days. Failure to address this matter in a timely and compliant manner will result in further action to seek redress for the violation of my rights under the FCRA. 

Thank you for your immediate attention to this critical issue. I look forward to the swift resolution of this dispute and the removal of the fraudulent information from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$490.00} XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$490.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX
Product: Credit reporting

Dear sir/madam, First I would like to thank you, my previous issues were resolved because of your advocacy. 
As I am rebuilding my credit, I am watching my credit reports closely now. Please see pages XXXX, XXXX and XXXX. Page XXXX for example : XXXX ; XXXX reported " Debt included in or discharged through Bankruptcy Chapter XXXX, XXXX or XXXX '' -last reported XX/XX/XXXX. EQUIFAX and XXXX also reported " included in BK '' but last report date is XXXX. 
My question is : Are credit bureaus mandated to do additional reporting after the bankruptcy filing date? ( restating the same facts! ). 
Please advise ; I will write a complaint directly to the respective credit bureau if what they are doing does not conform with the law.
Product: Mortgage

I have an FHA loan through Bank of America. 
In XX/XX/XXXX, I filed for chapter XXXX bankruptcy. ( XXXX XXXX XXXX XX/XX/XXXX ) In XX/XX/XXXX, I was laid off due to Covid-19. ( See separation letter on company letterhead ) In XX/XX/XXXX, I requested Bank of America for forbearance due to hardships caused by Covid-19 and the inability to pay my mortgage. Bank of America did not respond or comply ( SEE CFPB case history ) In XX/XX/XXXXof XX/XX/XXXX, Bank of America filed a request from automatic stay to the Chapter XXXX bankruptcy trustee, which was granted. ( XX/XX/XXXX ) In XX/XX/XXXX, Bank of America put my mortgage into foreclosure. ( SEE CFPB case history ) In XX/XX/XXXX, Bank of America began reporting my mortgage past due to the credit bureaus. ( SEE CFPB case history ) In XXXX, I again asked for mortgage forbearance. Bank of America said they could not speak to me. ( SEE CFPB case history )
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$530.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$350.00} ; XXXX XXXX XXXX Balance XXXX : {$1300.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX & XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; DEPT OF ED XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

There are inquiries on my credit report that I didnt make about XXXX of them and there is currently XXXX apartments in my name that I do not know about and its not me and I just got in the mail today something from XXXX XXXXXXXX saying that a platinum secured card with a balance of XXXX XXXXXXXX XXXX was sold or transferred to XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX VA XXXX. It says XXXX XXXX XXXX XXXX is now the owner of your account and is responsible for collecting future payments and answering questions you might have they might contact you about your account directly through a representative since your account has been sold please do not send future payments to XXXX XXXXXXXX and I never had a XXXX XXXX XXXX XXXX nor did I have any knowledge about this and theres apartments in my name. My credit XXXX keeps going up and down down for the most part Im currently at like a XXXX but I never use my credit before and I also have hospital bills and I dont go to the hospital at all
Product: Payday loan, title loan, or personal loan

I have to make payment of {$520.00} a month for my installment loan but during this situation ( corona virus ) I was trying to keep my credit right but for this situation now I have this negative Item in my report. they was trying to take the money automatically from my account but the payment was did not go through. I call the company to ask them why they never notified me about this situation and at the same time I was trying to fix it but they can't do anything and now a balance of {$1100.00} that is on my report affecting my credit score for this unfair situation
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I have had to file a complaint with Clesr One Advantage and or XXXX XXXX XXXX XXXX XXXX and or XXXX XXXX. 

They have called me before while violating a huge compliance violation while not disclosing that it was me they were speaking to and began to discuss my account. 

This was supposedly handled by XXXX I believe his name was and he was the ONLY kind person Ive dealt with, but only because I feel he had to be. Nevertheless, they constantly badger me to pay more to settle with XXXX XXXX. I have told them time and time again that I am a single mother, working full time from home while watching my daughter. HINT HINT I can not afford a babysitter let alone more money for a settlement. I have been with this company for about half a year or more and I am EXTREMELY dissatisfied with these companies and their lack of reading notes. 

As someone who has worked in and currently works in Compliance for a financial institution, I can only XXXXmagine their compliance violations pertaining to EFTA, UDAAP and so on.
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. has violated my rights. 

( 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 ) 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 a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( 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 relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

Back in XX/XX/year> I called in to make a payment on my vehicleI was told that company is under a new name ( XXXX XXXX XXXX  ) however I will still be making payments through XXXX a few weeks later I get an email staying congratulations your auto loan is paid in XXXX I reached out to my car company and stated to them the email I have received, they informed me that it was not true and my car is not paid offI was then informed again that they are under a different name and all information was reported to all 3 credit bureausI check my credit often and on my credit report it says that my car balance is closed paid in XXXX reports that the last payment received was on XXXX the date it was closed was XXXX called the company several times regarding this matter and all they keep telling me is that its been reported still to this day that is the answer Im getting. I spoke again with the credit bureau explaining to them what was told to me by the company..and I was told by the credit bureau no in was submitted and if it was my credit report wouldve been updated immediately here it is 6 months later and Im still paying on my vehiclethe balance that the company still has me to pay off is {$1100.00} Im still going to pay this balance cause I wont be able to receive my title from them because it still says I owe this amountI just want this update on my credit report because its affecting my score
Product: Student loan

In early XXXX of XXXX it's showed that my student loans were charged off with no debt and this caused my credit score to go up due to that. And mid XXXX of XXXX all of the student loans came back on my credit report but now it looks like I have XXXX accounts with different amounts of being paid and not paid this cost my credit score to go down XXXX points past that when it occurred.Also I was unaware and not notified of the US department of education switch of the names and this happening to my account.
Product: Debt collection

I am writing to dispute and request the immediate removal of fraudulent accounts on my credit report. The accounts in question are as follows : XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. I want to bring to your attention that the respective bank/creditor, upon being made aware of this issue, has agreed to remove these accounts from their records. The other credit bureaus, Experian and XXXX, have promptly followed suit, acknowledging the error and removing the entries. I am deeply confused and annoyed as to why your bureau has not taken similar action despite being aware of the fraudulent nature of these accounts. As a victim of identity theft, I demand that you comply with the law and follow the standard procedures established by other credit bureaus. It is both frustrating and infuriating that my repeated requests seem to be ignored. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ).
Product: Bank account or service

Bank of America not only charges for checks, but also for deposit slips to loan OUR money to them. I would like free slips, and also checks, which formerly were given free. I was told by a cashier that they could be ordered FOR A PRICE, but if enough complaints were filed, corporate may yield. We have a regular checking account.
Product: Credit reporting or other personal consumer reports

This is my further request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$2800.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$10000.00} XXXX XXXX XXXX Balance Owed : {$870.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX Balance XXXX : {$6600.00} XXXX XXXX XXXX Balance Owed : {$3000.00} XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My loan was sold to Rushmore Servicing on or around XX/XX/18 from XXXX. Since the transfer I have had nothing but problems. I even attempted to contact the president of the company to seek resolution. I have put my complaint in writing to Rushmore per their requirements. 

My complaint is for inappropriately posting of a principal deduction payment made on XX/XX/18 from my bank account with XXXX XXXX. I followed the exact instruction provided by Rushmore in their servicing transfer letter, however the payment was rejected by them. I again attempted to resend the substantial principal reduction to them from XXXX XXXX on XX/XX/18 following new address information from Rushmore, again this payment was rejected. I provided written evidence and confirmation from XXXX XXXX showing the date, time, correct loan number and reason for rejection by Rushmore. Although I've received a few communications from Rushmore on this issue, it remains outstanding. The evidence is clear, they need to post the principal reduction effective XX/XX/18 and adjust the interest charges appropriately. As an addition issue, Rushmore does not provide a secure method for a customer to provide MNPI information and encourages the consumer to fax information across unsecured phone lines. They have little regard for consumer data protection.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint myself and there is no third party involved. This account isinaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 605b. I have done attempts to reach out to Credit Bureaus but they failed to give me any results or feedbacks about this concern, and where is the proof of payment history for this account? Please help me investigate properly and correct it from my personal credit file XXXX XXXX XXXX Balance Owed : {$430.00}.