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

I am filing a formal complaint against Capital One regarding inaccurate and unlawful credit reporting practices in violation of the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit report, I have identified multiple violations related to a charged-off account ( Account Number : XXXX ) that is being reported incorrectly. These violations are causing unnecessary damage to my credit score and must be corrected immediately.

1. Repeated Charge-Off Reporting Violation of FCRA 1681s-2 ( a ) ( 1 ) ( A ) Capital One is reporting a charge-off every single month, as indicated in my 24-month payment history. 
A charge-off is a one-time event, meaning it should only appear for the original charge-off date. 
Repeatedly reporting it misrepresents my creditworthiness and falsely suggests continuous delinquencies. 
Under the FCRA, creditors must report accurate and fair information. Repeated charge-off reporting violates these regulations. 
2. Incorrect Balance & Past Due Amount Reporting Violation of FCRA 1681s-2 ( a ) ( 1 ) ( B ) Capital One reports a charge-off balance of {$900.00}, but also lists a past due amount of {$900.00}, which is misleading.

Once an account is charged off, it is no longer considered past due unless actively being billed, which Capital One is not doing.

This contradicts standard credit reporting rules and is a deceptive practice.

3. Failure to Properly Update Account Status Violation of FCRA 1681s-2 ( a ) ( 2 ) The charge-off status update in XX/XX/year> should have reflected a finalized charge-off, but Capital One continues to update it monthly. 
By failing to properly update the account, Capital One is misrepresenting my financial status and extending the impact of the negative account unfairly. 
4. Re-Aging of Debt Violation of FCRA 1681c ( a ) ( 4 ) Capital One is engaging in " re-aging '' by continuing to report the charge-off each month as if it is a new occurrence.

Under 15 U.S.C. 1681c ( a ) ( 4 ), negative items must be removed seven years from the original delinquency date.

By repeatedly updating the charge-off status, Capital One is attempting to extend how long this negative item affects my credit. 
This is a serious violation of federal law and needs immediate correction. 

I am requesting the CFPB investigate Capital One for these violations and take corrective action. Specifically, I demand : Immediate removal of this account from my credit report from all 3 bureaus due to unlawful reporting practices.

Assurance that Capital One will comply with FCRA regulations moving forward and prevent further harm to my credit profile. 

If Capital One does not comply, I will escalate this complaint to : The Federal Trade Commission ( FTC ) www.ftc.gov My states Attorney General for deceptive and unfair credit reporting practices.
Product: Credit reporting or other personal consumer reports

XXXX funding XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX I noticed these items in my credit report and they are unauthorized accounts thats needs to be removed immediately
Product: Money transfer, virtual currency, or money service

I was scammed into an 'authorized push payment ' I explained this to my bank but I was ignored. 

I purchased a service from someone online for {$5000.00} on XX/XX/XXXX through a swift money transfer with my bank ( Wells Fargo ) and I did not get the service I payed for, I was blocked from all communication with this person after I asked for a refund. 

I made a claim for 'fraud/scammed ' with my bank and I was never contacted back about the status of my claim. I had to call them back numerous times in XXXX of XXXX to find out about the status of my claim and they kept giving me the run around putting me on hold for long periods of time transferring me from department to department giving me several different case numbers for my claim saying they don't handle these types of claims I was even hung up on. 

Finally I managed to speak to someone and they said they are not able to refund me the money even after I explained to them that I was scammed.
Product: Checking or savings account

I deposited my pay check into the Atm and it ate the check. I went inside and the teller was going to go into the atm and retrieve the check when the bank manager stopped her and said they had to do a report. He was very rude to me. I called customer service and couldn't understand the woman not could she understand me. She did say they would do a report and investigation and contact me in 48 hours. It has been 2 weeks now and nothing.  I went to the bank today and talked with manager and " there is no record of any transaction" I took the paystub that showed the amount and check number. She was rude and had an attitude with myself and my mother who went with me.  Basically wanted us to do their job which duh I can't do!  The original date when the atm ate the check  was around XXXX XXXXAlso. The day Ameris took over XXXX my bank card was in a glitch,. Our car was in the shop and I had to XXXX to work. I couldn't XXXX as they froze my card for no apparent reason. As a result I lost my job missing work due to this.  They did however fix the card issue when I called them .  Excuse for card not working was the change over from XXXX XXXX to new owner Ameris. Then they loose the deposited check.
Product: Credit reporting, credit repair services, or other personal consumer reports

From XXXX thru XXXX of 2021, I filed a dispute with Equifax about the unverified and inaccurately reported collection account DESIGNED RECEIVABLE Account # : XXXX. In these few months, I have asked numerous times for a response or to be shown that the account is even under investigation and I have not received anything in response from this bureaus in several months.after numerous attempts. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about this inaccurate account as of today. Thank you
Product: Money transfer, virtual currency, or money service

I had a bitcoin on an online storage site, blockchain.com. I went to check on it and its gone. This apparently is a common issue with these people. I opened support tickets and no response to any of them for several weeks. These guys are running some sort of scam and should be investigated. My losses are greater than XXXX dollars. Please help.
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. 

XXXX  XXXX  : XXXX has violated my rights.

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 reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable re-investigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS 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 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 Balance : {$12000.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$590.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$1400.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$690.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$840.00} XXXX XXXX Balance : {$7600.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$300.00} XXXX XXXX XXXX XXXXXXXX Balance : {$3600.00}
Product: Credit reporting or other personal consumer reports

The United States Code ( USC ) is a compilation and codification of the general and permanent federal laws of the United States. Title 15 of the United States Code covers various aspects of commerce and trade, but it does not specifically regulate late payments. Late payments and related issues with creditors are often governed by individual state laws and regulations, as well as the terms outlined in contracts or agreements between parties. 

If you are facing issues related to late payments and you're seeking legal information or assistance, it's recommended to consult with a legal professional. They can provide advice tailored to your specific situation and applicable state laws. 

In general, late payment provisions and related regulations can be found in state laws, and consumer protection laws may address issues such as unfair or deceptive practices by creditors. Additionally, the terms and conditions of your specific credit agreement or contract with the creditor will outline the consequences of late payments, including any fees or penalties. 

If you have concerns about late payments or believe that a creditor is violating applicable laws, you may want to review your specific agreement, check relevant state laws, and consider seeking legal advice to understand your rights and options.
Product: Vehicle loan or lease

I would like to have someone look into the high interest rate car loan I was placed in with Ally Financial in XXXX. The rate I was placed in is 20.44 % over a 7 year pymt period. The original loan bal was XXXX. The current bal is now XXXX. Since XXXX I have paid a total of XXXX There records indicate that XXXX, XXXX has been paid to interest and only XXXX has been applied to the principal. There are 34 payments remaining that total XXXX  additional dollars. This high interest loan that I was placed in is in no way the way you properly conduct business in a fair and decent undiscriminatory way. I believe I was placed in this loan wrongfully. The loan exceeds the life of the vehicle. The vehicles transmission has gone out leaving the current vehicles value only at an estimated XXXX. On XX/XX/XXXX and XX/XX/XXXX, I reached out to the lender and was transferred to 3 different departments only to be told there is nothing they can do. Each department said they did not have access to see the total amount of int I have paid. The departments were customer service XXXX, collections XXXX ( XXXX ), and work out team XXXX ( XXXX ). I believe the lender and the dealership did not hold good moral intention when they placed me in this loan. I believe my rights have been deliberately violated.
Product: Checking or savings account

On XX/XX/XXXX I filed a claim with Bank of America of potential fraud. After looking back into the account it was my error so I called to cancel the claim. They credited me four different transactions for the amount in question. {$79.00}, XXXX, XXXX and XXXX the very same day. Being that I cancelled the claim the debited the amounts back the very same day. Now on XX/XX/XXXX they debited the amount of {$79.00}, XXXX times under the same claim that was suppose to be cancelled. Which equals in the amount of {$940.00}. Now I have been missing that money for XXXX business days counting today and XXXX weekends. I've called several times and no answers. They give me the same story. We are looking into it. I have been with this bank since XXXX  and never had a problem until now. I just want it resolved and want my money back. It's obviously a bank error and they filed another claim under the same number reopening this claim. It was escalated XXXX XXXX  ago and when I called to see the progress they told it was never escalated.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX Balance : {$1100.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$110.00} ; XXXX XXXX XXXXXXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$230.00} ; XXXXXXXX XXXX  ( OriginalCreditor : XXXX XXXX  XXXX XXXX Balance : {$230.00} ; XXXX XXXX  XX/XX/2022 ; XXXXXXXX XXXX XXXX XXXXXX/XX/2022 ; XXXX XXXXXX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; 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
Product: Mortgage

XXXX client, XXXX XXXX is a victim of identity theft. While reviewing a credit report he found a fraudulent inquiry from Nationstar bank being reported to his XXXX and XXXX credit reports. This inquiry was made XX/XX/2018 and was done without his consent. In addition, his current home mortgage with Nationstar was accessed by the fraudster who then started the process of a home equity line of credit while on the phone with an agent from Nationstar ( Mr. XXXX XXXX ). Mr. XXXX never made direct contact with Mr. XXXX to verify if this activity was authorized even though my client has a 7 year fraud alert on his credit report. My client was made aware of this activity only after the finalized documents arrived at his home for him to sign and return.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of my dispute, particularly in light of the new CFPB lawsuit highlighting significant issues with the platform. Dispute using Zelle multiple times and reporting issues, my bank and Zelle failed to further investigate my claims properly. They both informed me that the recovery of any lost or miss allocated monies was impossible and that tracking these transactions were not feasible. The CFPBs reporting indicate that not only has Zelle neglected to protect myself and customers alike but also has allowed repeat offenders exploit the system, leaving myself and others vulnerable to the blatant scams. This has left me to worry about the consumer safety and shoes that there was a lack of accountability and transparency on their end.
Product: Credit card or prepaid card

Received a 1099 misc from capital one, I contacted capital one to clarify what the reported income was on XX/XX/2023 and was told they would look into it called back 10 days later and was told they needed more time. I have called again and the department which handles this still has not responded. I am unable to file my taxes because I didn't receive this income capital one is reporting I have received and I need the correct information before I can file my taxes.
Product: Debt collection

I tried reaching out to this company. They claim I owe a debt. I spoke with the original creditor and explained that I never got any bills, invoices or otherwise delivered to my home or email. I was never called regarding any missed payments. As a result, I have come to a resolution with original creditor. I never owed Collection Bureau of American any funds nor did I have a contractual obligation to this company. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation '' ; that is competent evidence bearing my signature, showing that I have or ever had some contractual obligation to pay you. It is illegal for your company to report a status, on my credit report, as paid when the payment was not made directly to your company. I would like the account to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Date of Birth : XX/XX/XXXX Social Security Number : XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX, GA 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 errors. Here as follows are items in error : The following addresses are reporting incorrectly and must be removed immediately : XXXX XXXX  XXXX XXXX , GA XXXX XXXX XXXX  XXXX XXXX, GA XXXX
Product: Credit reporting or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX XXXX and XXXX cobtinue to report disputed account due to identity theft that has been previously filed and certified mail to each parties concerned yet they claim this debt belongs to me after thorough investigation I have asked for paperwork and or validation of the debt and they have not responded to my request
Product: Checking or savings account

On or around XX/XX/2024 I made a mobile check deposit, it was not until after they approved the deposit did I know that I would have no access to any of the funds for SEVEN days. This check was written by my husband from his personal account to cover utility payments that were past due because of a financial issue we are currently working out of and grocery shopping as we had no food left in our home. I would have never approved or this deposit if I knew before they processed it that I wouldn't have access to the funds for seven days. My bank immediately removed the funds from my husband 's account and we were left in limbo without any access to money, after 48 hours I decided to call my bank and they told me there's nothing they can do about it, so I pushed to speak with someone else... the second person I spoke with agreed to release the funds after I was emotional about not being able to feed my family. When she came back on the line I questioned the legality of this as I have been informed the the Federal Reserve laws state a portion of the funds should have been released after 48 hours and I would have been fine with a portion to feed my family. The girl really pushed my buttons and I admit I was not my best self in that moment and lost my cool l would like to apologize for that. The bank informed me by email today that I'm not longer a customer as of 30 days from now for life due to abusive behavior. I feel abusive behavior is a strong statement, do they close the accounts of every frustrated customer who yells? Can they take any accountability for themselves that if they weren't holding my money from me then it wouldn't have escalated and mostly is this even legal to hold someone's funds they clearly have for seven days?
Product: Credit reporting, credit repair services, or other personal consumer reports

Im filling a complaint because I'm a victim of identity theft. I have already notified XXXX and the creditors. They have yet to remove these accounts. I noticed unauthorized credit card and an address on my credit report. I looked at my credit and discovered accounts under my name that I have never applied for or authorized. Therefor they are fraudulent. These accounts include. 

XXXX Accounts : XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, NY XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/14 I called and spoke to XXXX regarding a letter I received in the mail for an application that needed more information for a Victoria Secret credit line through Comenity Bank. She informed me that my last 4 did not match what she had on file and would not help me any further. I did notify her about the letter and she did not provide a response to why I would have received the letter. She said she needed to speak the person who was on the application form.
Product: Checking or savings account

I have asked them several times to change the overdraft settings on my account. They take so much in overdraft fees and let random charges pile up where theyll take {$170.00} at a time in fees. I didnt even see my last 3 paychecks and may be homeless because of this. My account is currently overdraft {$670.00} and there is no way I can recover from this.