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

Subject : Urgent Notice : Cease Unauthorized Credit Reporting or Face Legal Action Violations of FCRA and New York Identity Theft Laws Dear CAPITAL ONE, I am contacting you to address a grave infringement concerning the unauthorized reporting of information to my credit report, as mandated by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and New York state laws pertaining to identity theft and fraud. 
It has come to my attention that CAPITAL ONE has been engaging in unauthorized reporting to my credit report without first obtaining my explicit consent. According to federal law, as outlined in the FCRA, the consumer 's consent is an absolute prerequisite for such reporting activities under Section 1681b ( a ) ( 2 ).

Moreover, New York state law, particularly the provisions regarding identity theft and fraud, emphasize the critical importance of consumer consent for credit reporting. Any violation of these laws constitutes a serious offense.

I firmly assert that I have not granted CAPITAL ONE permission to report any information to my credit report. This egregious lack of explicit consent represents a flagrant violation of my rights, potentially resulting in harm to my creditworthiness and a blatant disregard for federal and state laws.

I demand, unequivocally, that CAPITAL ONE immediately ceases all further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and New York state laws concerning identity theft and fraud. Failure to comply within the allotted 30-day timeframe will be construed as willful noncompliance, subject to severe penalties under applicable laws, including those pertaining to identity theft.

It is imperative to understand that obtaining consent is not discretionary but a legal obligation under these specific sections of the FCRA and New York state laws. This is not a negotiation ; it is a directive for compliance with both federal and state regulations, safeguarding consumers like myself from unauthorized and detrimental credit reporting.

I expect immediate action on this matter and anticipate that CAPITAL ONE will promptly rectify these egregious violations, thereby respecting my rights under federal and state laws.
Product: Debt collection

I dispute the inaccurate information regarding a late account on my credit report with Despite contacting the bank, they can not provide records but have verbally committed to a positive update on the report. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Inaccurate Information : XX/XX/XXXX, XXXX
Product: Credit card or prepaid card

I didn't make the transaction on the card. Going through identity theft. So you close my account and left me with the bill, which is effecting my credit
Product: Vehicle loan or lease

I leased a 2017 XXXX XXXX for XXXX and my leased expired on XXXX XXXX. Because of the pandemic Ally Bank extended my lease for 150 days with the lease expiring XXXX XXXX. They kept my lease payments the same for the 5 months. Now I want to buy the lease and Ally Bank is saying lease buyout is the same amount it would have been in XXXX. When I called them to discuss why the 5 payments were not deducted from the XXXX buyout amount they said the money was use to extend to keep the lease. I asked why {$1800.00} I paid over the XXXX payments would not come the buyout off since on the lease extension email it was not mentioned. they repeated it was to have the lease. Does not make sense
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$9000.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2800.00}
Product: Checking or savings account

My account was broken into and fraudulent checks were used deposited inside to funnel out to outside accounts. I saw this well I thought I did bye submitting all these forms and going to the bank now this case that was supposed to be closed is now resurfacing and Im getting blamed for it now my account says - {$4000.00}. Please send this to Navy Federal please Please send this to the other bank thats accusing and please indicate for me. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I received a letter from XXXX XXXX regarding my recent application for a XXXX XXXX Home Equity Loan. In the letter is references my Equifax score dated XX/XX/2018. I never spoke to anyone at XXXX XXXX  authorizing them to run a credit score or to refinance my current mortgage with them. They had called my cell phone numerous times prior to the credit pull, but I never returned their call or spoke to anyone. It is illegal for them to pull a credit report without my authorization and now my credit was dinged for an unauthorized pull.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 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 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
Product: Credit card or prepaid card

We have called Lowe 's credit card services numerous times. They consistently misapply our payments, have charged us interest several times inconsistently, do not allocate payments accurately, and try to charge us deferred interest. Their statements do not make sense, they are hard to understand or decipher, and their explanations change repeatedly. We have attempted to pay off our balances without interest, and it's nearly impossible. They report purchases we don't see on our statement.
Product: Debt collection

Southwest collection services used an address I never lived at to communicate a collection I found out about through my credit monitoring service. They said they can not remove the account even though i verified payment because they said only comcast can do that. I faxed verification of payment to both of them but no one takes action. XXXX opened a trouble ticket but does not have a phone number to discuss concerns if you are disputing a collection so I have no way to discuss resolution of this with even though I faxed in proof of payment it is still sitting on my reports with the bureaus.
Product: Credit reporting or other personal consumer reports

I sent a letter in XX/XX/XXXX and XX/XX/XXXX advising that I obtained my credit reports from all 3 credit bureaus XXXX Equifax and XXXX advising that I found inaccurate information on my credit report about my name address, and birthday. I asked that you remove everything that was not listed on the verification documents I sent in which were my Driver 's license, social security card, and a piece of mail that had my current address. All old addresses needed to be deleted as they aren't accurate.
Product: Credit card or prepaid card

Unauthorized Macys purchases XXXX cant close checking account/ dispute XXXX XX/XX/2021 Macys account information distributed on dark web Cell ported number Fraudulent representatives/phone contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA
Product: Student loan

Hello, the year is XXXX  and I was a student in XXXX XXXX university  and from the beginning I felt that this was not the place I wanted to be. I was XXXX years old and just got out of high school with no knowledge on how the real world worked but because of reasons with family matter I was convinced to go here. When I went to XXXX XXXX university I was told that they had XXXX XXXX  classes that would teach me all that I needed to succeed and I believed them but I was very wrong. I asked them if other Students come here trying to do the same and when I was there none of them did. 3 days later after classes had started around XXXX, I asked one of my professors that teached XXXX transitioning to XXXX XXXX  ( which I believe is a professor to go when you need help to transition ) about my major and I remember to this day what she said and I quote " Do we even teach that here? '' from there on I had to get out. Another was the teachings, an example was XXXX XXXX and as a XXXX XXXX I was excited at first but when I was in class all they were teaching was how to use XXXX XXXX. I would Like to include that XXXX XXXX is not learning to use XXXX XXXX  and that includes XXXX XXXX, XXXX XXXX XXXX  software and the very next week I went to the office and told a the woman there that I wanted to drop out because I felt that this college is not for me and what I want to study for. So I told her what that professor said because it made me feel more lost than I already was and because I was so XXXX and XXXX XXXX I even cried in her office where there were people around but all she could say was something like don't drop out because what would all of your friends think when they see you are the only one not graduated. Even after telling her that this was not the college I wanted to be in she still insisted I stayed. I ended up wanting to drop out before it was too late but when I did there was nothing I could do since the time period had already past. My experience in this college can be described as a misfortune since they did not teach what I was looking for even though they told me they did and my hope was to at least learn similar things so that I could transfer my credits but that was not the case. At the time this college was more focused on other studies but not game design. I am in another university and from the very beginning they kept their promise and what they teach are so much more and as you can see it is not my incapability to not learn but what was being taught in that XXXX XXXX was not remotely close or what they taught was not in the major that was told to me from the beginning.
Product: Vehicle loan or lease

On XX/XX/2020 I signed documents for an auto loan approved by Capital One Auto Finance via XXXX XXXX XXXX ( dealership ) in XXXX NJ. 

Capital One Auto Finance currently has documents of forged signatures from a different dealership, XXXX XXXX XXXXXXXX XXXX XXXX in XXXX XX/XX/2020 that I did not sign. This is fraud.I can provide proof of being at work on this date. I work for XXXX XXXX XXXX XXXX XXXX 

I have received several correspondence via mail indicating my credit was assessed without my knowledge or approval and was requested by XXXX XXXX XXXX, XXXX XXXX of XXXX. 

Multiple hard inquiries have hit my credit report during the months of XXXX and XXXX. This is also fraud as I did not request this and it has occurred months after I was approved for a car. These inquiries were fraud requests and will now remain on my credit for 2 years causing negative impacts on my credit that I am working so hard to improve. 

I contacted Capital One Auto Finance on Wednesday XX/XX/2020 to notify them of the fraud documentation. I stressed the importance of addressing the fraudulent signatures. I also notified Capital one that the current vehicle on my loan ( XXXX XXXX ) does not match the vehicle that I have in my possession ( XXXX XXXX ). 

I was told I would be contacted within three business days when speaking with a representative from Capital One Auto Finance on XX/XX/2020. When I did not get a follow up call, I reached out Capital One Auto Finance ( Monday XX/XX/2020 ), however I was told it would take another two business days for a response and am currently waiting. 

My car remains unregistered. It is now more than three months from when I was approved for the car I have not received any license plates and the Dealership has chosen to keep the second key to the car. 

I am filing this complaint in hopes of getting assistance in resolving all existing issues. Please help me.
Product: Credit reporting or other personal consumer reports

The inquiries below are not authorized. I want these inquires to be deleted because I did not authorize companies to run my credit on any of these inquiries. 
XXXXXXXX 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 Cap one autho fin 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
Product: Credit reporting

TransUnion had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquiries listed below be REMOVED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 's XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute with XXXX, Transunion, and XXXX, regarding the multitude of inquires listed on my credit report. However the only response i get from them is to contact the company who placed them onto my reports. In the FCRA it states that i am entitled to a fair and accurate credit report. These reports are not accurate. The burden of verification is on XXXX, Transunion, and XXXX  since they are the ones who are responsible for ensuring things are correct on my report. They are bound by law to make sure everything is correct. Not to tell me to call the individual creditors my self. I demand that XXXX, Transunion, and XXXX  go back into my past disputes, and Remove the unauthorized inquiries from my credit report ASAP
Product: Credit card

The last few due dates, I have called in advance to tell Bank of America that Id be late paying. They always give this hotline number, but the efforts are futile! The department doesnt waive late fees. I dont understand the purpose in calling. The interest rates are sky high! Im over the limit main due to high interest rates. I am requesting that {$78.00} be credited to my account ending in XXXX. Im before the XXXX gets here for the next due date I can pay the minimum minus the late fee from XXXX and XXXX ( {$78.00} ). I am requesting the internet rate be lowered as well on this card. It eats up the remaining credit and this triggers a decrease in my credit score rating.
Product: Prepaid card

In XX/XX/XXXX, the XXXX XXXXXXXX XXXX Department ( XXXX ) deposited {$2700.00} into my Money Network debit card account. As of XX/XX/XXXX, I can not access these funds due to an inexplicable " error '' message displayed on the account. While I have a debit card linked to the account, I can not withdraw any funds. Additionally, when I attempted to transfer money from the Money Network app to my bank account ( a process that worked without issue in XX/XX/XXXX during a prior unemployment claim ), the app returned an " Invalid Account Status '' message. 

Attempts to Resolve : I attempted to contact Money Network customer service XXXX XXXX over XXXX days using the only available phone number provided on the debit card. Despite being given estimated wait times of XXXX to XXXX minutes, I waited over XXXX hours on each occasion without being connected to a representative. My wife also called the same number simultaneously and experienced similar extended hold times exceeding XXXX hours. We spent about XXXX hours between both of us in 2 days. 

The Money Network customer service system offers no alternative methods of contact or complaint resolution. Pressing " XXXX '' to reach a representative results in a message that this option is unavailable. Persistence with the system eventually led to an option to wait for an agent, but I was never connected as mentioned above. 

The Money Network website lacks functionality for filing complaints or reporting card issues, such as lost or stolen cards. 

Concerns with XXXX Process and ties to XXXX : When I filed this unemployment claim, XXXX asked if I preferred funds to be deposited directly into my bank account. I selected this option, provided my bank routing and account information, and was informed that all future funds would be deposited directly to my bank account. I also received a notice from XXXX stating that I would be notified when funds were deposited. However, a week later, the funds were deposited into the Money Network account instead, which I can not access. 

Speculation and Frustration : I am left without any way to access funds awarded by XXXX, which I need to pay bills and meet basic living expenses. This has consumed XXXX full days of my time ( and my wife 's ), time that could have been spent searching for a job. I am deeply frustrated by what appears to be a failure of XXXX XXXX customer service system and potentially mismanagement of my funds. 

If my account has been suspended for any reason ( e.g., filing a second unemployment claim within XXXX months ), there should be a clear notification or an accessible channel to resolve the matter. Instead, I am entirely in the dark about the status of my account, leaving me without the ability to access critical funds.
Product: Debt collection

Date : XX/XX/2018 XXXX : XXXX XXXX @ Portfolio Recovery called me. I had to say " Hello '' multiple times before she started talking. She wanted me to verify my info ( last 4 digits of my SSA # ) before she would tell me she's from Portfolio Recovery. I repeatedly told Portfolio Recovery to stop contacting me. They don't listen.

I repeatedly told them robo-calling is illegal and told them to cease and desist any future contact. They still continue to harrass me.
Product: Credit reporting or other personal consumer reports

Iam a victim of identity theft from my x wife i found a few accounts that i don't recognize and my credit is harmed and they violated my privacy and my consumer rights and ruined my credit and this is illegal and against the law i contacted my lawyer and he said we need proof and they never sent me contracts and signatures this is illegal and as of 15 U.S Code 1692g validation of debts and improper use of my credit report. in accordance with with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602, states i have the right to privacy, 15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. under 15 USC 1666B, a creditor man not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose i contacted all of them and asked for proof and never mailed or emailed me or called me and this is illegal and the XXXX are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX 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 XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXXXXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXXXXXX XXXX Credit Cards XX/XX/XXXX XXXX
Product: Debt collection

This debt collector violated the FDCPA by engaging in abusive, deceptive, and unjust practices. They provided this account in violation of our agreement, and I did not affix my signature to it. Two parties are required to sign a legally binding contract ; I did not take any part in the signing process. Furthermore, in noting my dispute of the account, they failed to adhere to the correct procedure, which is a clear violation of 15 USC 1692e ( 8 ) and constitutes unjust business practices. I am not alleging identity theft, but rather unjust business practices, third-party communication, and other violations caused by this debt collector 's use of abusive language in correspondence with me while attempting to collect on an alleged debt. Complaints with the Attorney General and the XXXX XXXX XXXX have been filed and dispute letters have been mailed to this debt collector ; supporting documentation will be furnished. 

I demand that this company removes my account from all three credit reporting agencies due to the violations : CAP ONE - XXXX If they fail to do so, I will be compelled to escalate the matter to my litigation attorney. I have been advised that the company 's failure to indicate my account as " consumer disputes '' on my credit report constitutes a violation for which I am entitled to take legal action against them.