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

On XX/XX/XXXX I rented a car with XXXX XXXX a car LLC. For this car I used my capital one 360 checking account with my debit card. Initially I was only renting for a week or XXXX due to my personal vehicle needing repair. The rental was from XX/XX/XXXX - XX/XX/XXXX in police custody until XX/XX/XXXX. There was also a hit and run accident on XX/XX/XXXX which has a claim with my insurance company XXXX. On XX/XX/XXXX XXXX charged my account {$3200.00} for the rental without sending me an invoice or any follow up about the accident. XXXX then charged my account again on XX/XX/XXXX for other fees for {$280.00}. This has left my capital one 360 checking account negative {$3400.00}. I submitted a dispute in XXXX because XXXX should have done their due diligence and contacted me before processing any payment especially with the vehicle being involved in an accident! After I sent in the dispute that is when XXXX sent me an invoice on XX/XX/XXXX. They validated the chargeback! Now come XX/XX/XXXX I was emailed a request for payment from XXXX for the amount of {$3500.00} with all payments considered through XX/XX/XXXX. They continue to send this demand for payment. I have reached out to both companies! Capital One insists it has been paid through them. I can only reach XXXX via email and I have provided them with copies of my bank statement to prove the debt was paid from Capital One! How can I owe XXXX companies for the same debt? This has effected my ability to use my bank account, XXXX and negatively impacted my credit!
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. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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: Credit card

I received a credit request denial on XX/XX/2024 for a bank that I never applied for called SYNCHRONY HOME. I tried to contact them but their number was a dead end. It does not say how much the credit was for.
Product: Credit reporting or other personal consumer reports

My account with XXXXwas never late! I have had exceptional payment history with XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in months that are reported late to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I disputed 3 inquiries in my credit report from Experian to find out that none of them was verified or did I give them permission to discuss my personal information. I dont feel like proper procedure was taken. So, Im writing to get all items removed. I did not give consent to them reporting information in my name to the consumer reporting agencies.
Product: Debt collection

I dont know who associated credit SE I reporting me on my XXXX report witch I have no knowledge about, I am requesting that this Comsumer report please be removed as it is a fraudulent act not on my behalf, I have not authorized/ given permission or granted access to my personal information that was use file for accounts.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX reports XXXX late payments, XXXX XXXX XXXX late payments, and Transunion reports XXXX late payments. This account has NEVER been late. I have disputed it on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The company has not responded or even touched the account. They have not investigated. They are violating my rights. This needs to be updated to NEVER late. 

XXXX XXXX XXXX XXXXXXXX : Has not provided any validation of this debt. I have no clue what it is. I have no been given an itemized copy of anything. I requested validation on XX/XX/XXXX. They did not investigate account. I disputed again on XX/XX/XXXX. They STILL have not sent me anything showing what I owe. Besides violating my right to know what my debt is for, Transunion is reporting the account as open. The dates of last acctivity are years apart. the date open is inconsistent. XXXX doesnt have the original creditor listed. Delete this account now. 

XXXX : Both XXXX and Transunion have XXXX this account to never late. XXXX refuses to investigate. I disputed on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. XXXX needs to update this account to NEVER LATE. This is the newest dispute to XXXX XXXX  This item was UPDATED TO PAYS AS AGREED, NEVER LATE by XXXX and Transunion on XX/XX/XXXX due to it reporting inaccurately. You were to be notified yet you are still furnishing it. Please UPDATE TO PAYS AS AGREED, NEVER LATE. '' XXXX XXXX  XXXX : Has not provided any documentation on when they say the account was late 3 times. I completely contest that. This account needs to be updated to NEVER LATE. 

XXXX XXXX XXXXXXXX : Has not provided any documentation on when they say the account was late 3 times. I completely contest that. This account needs to be updated to NEVER LATE. 

XXXX XXXX XXXX : The account has been disputed on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The payment status reflects 30 days late with XXXX and Transunion when the account is paid in full. It reflects current with XXXX. The dates of last payment are wrong - XXXX reports XX/XX/XXXX, XXXX and Transunion report XX/XX/XXXX. Transunion and XXXX XXXX XXXX as 30 days late, but current with XXXX. XXXX reports XXXX as 20 days late, but current with equifax. This account is filled with errors and none of them have been fixed! 

XXXX XXXX XXXX : This account has been disputed on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Nothing has been fixed. Transunion reports XXXX as 30 days late, but other two bureaus havbe current. XXXX reports XXXX as 30 days late, but current with other 2 bureaus. XXXX reports XXXX as 30 days late, but current with other two bureaus. The payment history is completely inaccurate. It needs to be updated to NEVER late immediately! 

XXXX XXXXXXXX : This account has been disputed on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. ITS HAS NOT BEEN TOUCHED. XXXX reports XX/XX/XXXX as 90 days late. Transunion and XXXX report it as current. Transunion and XXXX reports XXXX as 60 days late. XXXX reports XXXX as 30 days late. This account NEEDS to be updated to NEVER late. There have been consistent errors without anyone investigation!
Product: Debt collection

In XXXX I began contacting CONNS in an attempt to resolve this issue. It took from XX/XX/XXXX until XX/XX/XXXX for my account to be found. At that time XXXX XXXX XXXX had acquired the account. They contacted me and we agreed on a settlement. I was to pay {$1000.00} immediately and then make two additional payments of {$550.00} on or about the XXXX of XXXX  and XXXX  of XXXX of XXXX. All payments were to be drafted from my checking account. I was told that before any payments were deducted from my checking account I would receive a written notice. I was told if I needed to change the arrangement that I could call and do so. In XXXX I called to notify XXXX XXXX XXXX that I would need to change the arrangements due to the recent death of my husband. I explained that I would have to make smaller payments. We agreed that 4 payments of XXXX would be made biweekly. This way I would pay off the account in the same time frame. I spoke with a supervisor named XXXX XXXX who assured me that the changes would be made. The changes were not made. I was told that someone filed the forms incorrectly and so the changes were not made, but that I would be reimbursed for all overdraft fees. Mr. XXXX gave me his email address and asked me to email him verification of the overdrafts and they would reimburse me since it was their error. I did receive the reimbursement, but the issue was still not corrected. In XXXX the same thing happened. The amount of {$550.00} was taken from my account again. I did not receive prior notice either. I called back and spoke with Mr. XXXX, but the issue was not resolved. They would not remove the account nor would they give me credit for the payments made because the first payment had to be reimbursed. As I explained to Mr. XXXX I could not pay more than what I had already been out of unless they were going to reimburse me the overdraft fees that I had incurred yet again. I was told that there was nothing that could be done. As a direct result of the errors made by XXXX XXXX XXXX my credit score dropped ( I was unable to pay other bills timely because the funds were not there ), I was evicted because I had to pay my rent late and I almost lost my vehicle ;
Product: Bank account or service

Bank of America denied access to my banking account and held my funds without giving me access to my funds. Bank of America states that they will be closing my account and my account will be on a hold status. Account number XXXX, also I was denied full disclosures.
Product: Credit reporting or other personal consumer reports

DeaR SIRS : WAS REVIEWING MY CREDIT REPORT AND FOUND NUMEROUS INQUIRIES WHICH WERE NOT AUTHORIZED BY ME, AND DID NOT APPLY TO THEM! 
LIST AS FOLLOWS : 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-REPORTED AS FRAUDULENT ACCOUNT ON FTC REPORT # XXXX. 
XXXX. ONLY APPLIED TO XXXX XXXXXXXX XXXX FOR AUTO LOAN! AND ALL THE REST OF THESE INQUIRIES SHOWED UP, PLS REMOVE UNAUTHORIZED INQUIRIES!
Product: Debt collection

The account was open XX/XX/2019. The account is not mine. Theres no reading documents with my name on it stating that it is mine and I would like to see a written signature agreement with my name on it. The company did not provide me one please remove from all three credit bureaus.
Product: Credit reporting or other personal consumer reports

There has been wrong dates on negative marks on my credit they refus to take off there are things that aren't correct and they refuse to take them
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted each credit bureau and informed them Im a victim of identity theft. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$530.00} {$530.00} XXXX XXXX XXXX XXXX. 

XX/XX/XXXX {$1600.00} {$1600.00}
Product: Vehicle loan or lease

I'm not sure if this can really be under this category. But I STRONGLY believe that those who have loans from CAPITALONE BANK and are affect by the COVID-19 virus, in terms of financially, are not able to receive any aid from the bank. Capital One continuously claim on their websites that they are trying to aid people that are affected, but when customers are trying to access whatever kind of aid this is ( They never specified what type of aid will be distributed to their consumers ), they are told to call the company. The company then prompts us consumers to use their online sources that are 'available ' to aid us. When we arrive there, nothing is there to actually help us. For instance, I have an auto loan tied with Capital One. Due to the virus, i'm unable to work. As seen from other banks, they are giving their members benefits such as free months until the end of the summer or something of the sort. Capital One states that the are there to help when in actuality they are not providing us any tools or methods to help aid us through these troubling times. Not only is there a virus going on, but I am going to be in debt because of this company. There is no sympathy being provided nor is there any type of relief. In conclusion, Capital One fails to aid their members at desperate times such as the one we are currently in. They are lying to our faces, saying that they will aid but are not providing any. I'm infuriated, I have to worry about more important things such as the health of my family. Not about this bank, who should be there for their members. Completely unfair and definitely puts them behind their competition on this one. No loyalty.
Product: Credit reporting or other personal consumer reports

I don't recognize this address please remove thank you XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX CA XXXX XXXX XXXX XXXX XXXX CA XXXX
Product: Debt collection

This company has been calling people that live in my town after Ive asked them not to contact me. I was injured at work, lost my job and am trying to deal with getting back on my feet. They called a woman in town several times over the past few days and have been calling me on an average of 5 times daily.
Product: Mortgage

Theres nothing quite like being harassed by your mortgage holder, Bank of America, over a XXXX error in your monthly payment. After spending time on the phone with a bank agent and thinking the issue was resolved, you still end up receiving multiple letters over that XXXX XXXX. Its as if the bank is determined to keep you on edgeeven if its only for XXXXXXXX XXXXwith repeated, unnecessary reminders. This is incredibly stressful, especially with the underlying threat that they can do whatever they want. They need to stop this behavior of driving people to the brink and XXXX XXXX XXXX XXXXXXXX over XXXX XXXX No one there seems to look into the issue, and no one takes notes, even when you call. Instead, they persist in harassing you.
Product: Debt collection

A Citibank Credit Card was sold to XXXX XXXX and 2 law suits were filed the first was dismissed to investigate the fraud claim the law firm for XXXX XXXX XXXX and XXXX never contacted me after that 3 months later they file a 2nd Law suit. I completed the fraud affidavit and filed a complaint with the XXXX XXXX PD. And provided all requested information in regards to XXXX AND XXXX XXXX and XXXX to show proof this credit card along with 3 others were opened fraudulently by my exwife .. who admits to using my Social security number to open fraudulent accounts. Both XXXX and XXXX XXXX XXXX XXXX continue to peruse me legally for a fraudulent account. I have yet to receive a response from XXXX nor XXXX XXXX XXXX XXXX in regards to their investigation or finding from the fraud affidavit that was sent to both companies over a month ago. The law suit is still pending and both companies continue to attempt to collect an account that was fraudulently open.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Disputing Information in Credit Report I am writing to dispute the information in my file as relates to reported negative collections with inaccurate information. 

The following accounts have provided inaccurate information with wrong address information and has negatively affected my reported to my report. This is in violation of the Fair Credit Reporting Act.

Fair Credit Reporting Act ( FCRA ) 15 U.S.C 1692g requires all debts to be validated to as belonging to the consumer, to include the correct address information for the consumer.

Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681e ( b ) requires that consumer reporting agencies maintain accurate information concerning the individual about whom the report relates.

Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 dictates by law that collection agencies ( CRA 's ) and other furnishers of information to the credit bureaus have a duty to report accurate and complete data, including address information. 

Upon requesting validation of my debt from the following accounts, I discovered they have all used incorrect information and is currently a violation of my consumer rights. 

Account Name Original Creditor Account Number 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 XXXXXXXX It is my right as a consumer under FCRA 609 ( e ) ( 15 U.S.C. 1681g ( e ) ) to dispute any inaccuracies that negatively impact my creditworthiness. These accounts were sent to an address where I have never resided or received any communication from the creditor or collection agency. I am requesting these items be removed immediately and my report corrected. 

Enclosed is documentation supporting my request to the best of my ability to verify my record of address. I have provided XXXX ( XXXX ) documents that are as follows : 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 regarding debt relief XXXX XXXX XXXX XXXX XXXX XXXXXXXX These identifying documents show my consistent and permanent address as : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX. The collection accounts I have listed above, have all be placed onto my credit with incorrect validation information and the I have never resided or received any communication from the creditor or collection agency. 

Please correct the disputed items as soon as possible. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

I had filed a complaint yesterday ( # XXXX ) regarding a balance discrepancy on my Citibank checking account.After submitting the complaint, I transferred {$200.00} to my savings & made a {$25.00} donation.This morning I signed into my account & noticed I got the {$600.00} stimulus & again the balance wasnt what it was supposed to be. 

Considering that the bank refused to address the 1st issue, Im going directly to the CFPB to see if you can help me resolve these issues.
Product: Mortgage

My Husband who is the Veteran passed away very unexpectedly at XXXX years old. We have two young children who at the time were XXXX and XXXX years old. I his wife, have been struggling to make payments. Just last month I began to receive the Veteran benefits. I can make the payments now but Freedom Mortgage will not work with me. I sent them documents they requested XX/XX/XXXX. I never received a letter with a direct contact in regard to my financial hardship. I would call and get a different customer service employee and see what else I needed. It was always a different person and at times they would say there was nothing they could do. I reached out to a friend that is helping me now. XX/XX/XXXX We called Freedom Mortgage together to request the auction be postponed asked for a the loss mitigation forms. They said it was out of their hands. Then we asked if they received the documents I had sent. They representative finally found them and we begged for help. I am not on title or the loan. I just have a letter that my husband wrote. She told us to do a loss mitigation package which was what we want in the first place. We couldnt get one online due to the account passwords being my husbands. He handled all the bills. We called back XX/XX/XXXX the representative now said we need to do a successor in interest. We requested again that they please postpone auction so we have more time. She said they cant. I said I can make a payment now and they said I would have to pay XXXX. I dont have any money jus t now my VA benefits. And they cant email form or FAX it. It has to be by mail. They were suppose to send the form so I could get auction postponed and save my home. It still has not arrived today XX/XX/XXXX. The first representative mislead me. I told her everything. I can not afford a lawyer. I need help. This is the only home my children and I have. I am very scared for our future.
Product: Debt collection

Signed up for marketing tool that was represented would work for my industry - merchant services. When it is clearly a construction marketing service for general contractors after reviewing it. I was told I could cancel and I did. They have repeatedly kept contacting me and my parent company after written and verbal notice to cease all communication from my XXXX XXXX law firm in Georgia.
Product: Credit reporting, credit repair services, or other personal consumer reports

NCB Management Services is incorrectly reporting a closed account as open as a negative collection on my  XX/XX/XXXX  and   XXXX   XXXX   credit report. This account was included in my chapter  XXXX  bankruptcy which was discharged i n  XXXX / XXXX /   2017. Th ey should not be constantly reporting negatively on my report. I filed a dispute with   XXXX   XXXX   on  XXXX / XXXX  /2017.  Who stated that the company would not cooperate with. I feel that this is unfair reporting on this companies part.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I filed a consumer dispute with Equifax regarding fraudulently opened accounts in my name, erroneous names, erroneous addresses and a bankruptcy that I never filed.They deleted some of the disputed accounts but the bankruptcy still remains and numerous collection accounts that do not belong to me. I provided them with a police report and other supporting documentation but they have not cleared up my file. Additionally, my information was compromised in security breach with Equifax, but they have not done anything to protect me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I CHECKED MY CREDIT REPORTS AND FOUND FRAUDULENT INFORMATION I CONTACTED THE THREE CREDIT BUREAUS THEY ADVISED ME TO GET A POLICE REPORT SO THE FRAUD CAN BE REMOVED FROM MY NAME. I DID THAT AND SENT IT IN TO THE CREDIT BUREAUS, XXXX WAS THE ONLY COMPANY THAT REMOVED ALL FRAUDULENT ACCOUNTS AND INFORMATION XXXX AND XXXX DID NOTHING. I WANT THIS FRAUD REMOVED FROM MY NAME ASAP. THIS INFORMATON IS DEMAGING MY NAME AND CREDIT WORTHNESS. FRAUDULENT ACCOUNTS : FED LOAND SERVICING, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX