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

I had a savings account with Capital One ( ending in # XXXX ) .This account was titled in .my trust. On XXXX XXXX, I saw on their site there was a higher yielding rate. I called and asked if I could get the new rate. The gentleman said yes. He transferred the funds to the new account. 
I never received a written monthly statement subsequent to the conversion. I went online, and to my shock, I see that the newly established account was in my name and NOT TITLED IN MY TRUST AS THE OTHER ACCOUNT WAS. I called in several times and they informed me they do n't open up new trust accounts. I explained that their person NEVER informed me of that and on his own changed the title of the account. 
I have called back on three separate occasions and have not received an answer. They claim that the department I am speaking to does not have the authority to deal with this problem, nor do they have the ability to contact directly the department that has the authority, they merely send an email to the other department. The other department allegedly gets back with me. This changing of my account title, done without my consent, I believe, is illegal and done without my consent. I told Capital One to listen to the recording of the conversation of XXXX XXXX since they inform the customer that they record every conversation. 
This has been a bad experience, and the bank has not made a decision regarding their error.
Product: Credit reporting or other personal consumer reports

i dont recognize none of the hard inquiry on my credit. i didnt authorize them XXXX XXXX  CAPITAL ONE AUTO FINANCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This company led me to believe they cd remove all of my medical debt easily and quickly. They told me that if I paid upfront and in full the submission process is get their help, that my documents would be among the firsts to be sent out and would take priority above all other clients who were pay as they go. They stated that if in 60 days I was unhappy with the services, I was able to request a refund in full. The services they were providing ended up dropping my credit score as well as got my wages garnished. I received a notice for garnishment and was given the opportunity to dispute the item and I was advised that they could no longer dispute that as it was already in far augment stage. They said to send them the j formation on what I was sent and they would review it and get back to me on next steps/ it was a 14 day notice. Top flight my did not help me at all. Their document team did nothing. Told me to get a lawyer. I called another time someone said to me that they were actually still able to dispute that item that was in motion for garnishment, and they didnt know why someone would tell me different. They didnt remove the incorrect items on my report like they said they would, easy simple inaccuracies such as unknown addresses, and name misspellings. After the 60 days and I was still unhappy I attempted to ask for my refund. Thats when a women attempted to tell me that a garnishment was already in play before I began services with them. I was told that in order to get your refund, there could be no lapses with their credit reporting app subscription for a whole year, they said that during that year, there could be no new items added to your credit report, and no late payments made and reported. They then explained that they only had got to send out the first round of dispute letters and had a specific date as to each of dispute responses were due. They said then they would have to incorporate XXXX more rounds of dispute letters. They did get a few removed from my credit, but thats not what I was told would happen. They claimed that in XXXX months my medical debt would be removed and my score wd be between XXXX. In the client portal, it shows which letters were mailed to whom and when but it only has one round created and no additional accounts has ever been removed, we are still at only 10 accounts removed.. and they were accounts that werent having much effect on my report. When I would call back still unhappy ; still trying to get my refund, they would just tell me to have patience they are still waiting for the letters to be disputed and the process to be completed. Its been a year and they havent lived up to anything they promised in the consultation/ they did not perform the services I paid for upfront. I was supposed to receive quarterly over the phone updates on the progress and services that have been provided and never received those calls.
Product: Credit reporting or other personal consumer reports

This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide me with the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX Account # XXXX, Account name : XXXX XXXX XXXX Account # XXXX, Account name : XXXX XXXX XXXX Account XXXX XXXX, Account name : XXXX XXXX XXXX Account XXXX XXXX, Account name : XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602A. States I have the right to privacy.

and according to 15 USC 1681eb they are supposed to ensure this whenever a consumer reporting agency prepares a consumer report it shall followreasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S.C1681c. ( a ) ( 5 ) Section Sates : 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 7 years.

15 U.S.C 1681s. ( 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, credit repair services, or other personal consumer reports

To whom it may concern, In accordance with the Fair Credit Reporting act XXXX  Account XXXX 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.

The Fair Credit Reporting Act 's ( FCRA ) Section 611 allows consumers to challenge inaccurate information on their credit reports. They are reporting inaccurate information in credit bureaus regarding, they are reporting in some bureaus and no in the others ( please see pictures below ). 
- XXXX IS NOT REPORTING THIS ACCOUNT - LAST PAYMENT DATE INNACURATE IN TRANSUNION AND XXXX - PAYMENT SUMMARY AS XXXX REPORTED PAYMENT ON TIME UNTIL XX/XX/XXXX, TRANSUNION REPORT SAID ACCOUNT CLOSED IN XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX called me to collect a debt the person on the phone told me they was a lawyer and they gave a description of the things I owned and how much money I made I am retired they threatened to take me to court and take all my possession I tried to negotiate a resolution they told me i have to pay the full amount i believe this company in a law firm
Product: Credit reporting or other personal consumer reports

I am disputing inaccurate reporting by XXXX on my credit report for Account XXXX : XXXX. They have incorrectly reported late payments that I have not incurred, which violates my rights under 15 USC 1681 A 2 ( b ). 

I have made multiple attempts to resolve this issue with XXXX but have received no proof of investigation or resolution. I request the CFPB to investigate this matter and ensure that my credit report is corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already submitted a complaint to XXXX, Equifax, and XXXX Credit Bureaus last XX/XX/XXXX requesting the verification and deletion of information on my credit file which I consider as fraudulent. Upon reviewing a copy of my updated credit report, the fraudulent items are still reporting on my credit report. I have been waiting for a response from the credit bureaus and yet I received nothing. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following fraudulent items completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

XXXX XXXX XXXX allowed someone to open a cell phone account in my name some time in XXXX without verifying my identity. This person apparently didn't pay the bill and the account went to collections. I noticed this collections account when it appeared on my credit report in XX/XX/XXXX. I immediately disputed the fraudulent account with XXXX XXXX XXXX, as well as their collection agency Sunrise Collection Services. I was told that the address used to open this account is over 50 miles from where I live, and I have never been associated with that area in any way. I have never used the phone number assigned to this account in any way. Doing a XXXX search for the phone number on this XXXX XXXX XXXX account brings up a person who lives near the location where the account was supposedly opened. Yet XXXX XXXX XXXX can't be bothered to do an investigation, they insist that the burden of investigating this matter rests solely on me ( the victim ). Other than a broken website, some automated bots, and a very limited call center representative, there are no good methods of pressing this matter any further with XXXX XXXX XXXX, so I will be filing as many complaints as I can and publicizing their incompetence as much as possible until I get their attention or give up and file a lawsuit. 

I filled out the paperwork they sent me to dispute the collection, I filed a police report as instructed, I sent my ID and other proof of my identity, yet my dispute was immediately denied because I was not able to immediately receive a copy of the police report ( XXXX ) while it remains " open and under investigation ''. At this point, I have tried disputing with the credit bureaus, disputing with the collection agency, and disputing with XXXX XXXX XXXX. None of which have been helpful or productive. The next step is a lawsuit. The financial damages caused to me by the negligence of XXXX XXXX XXXX are adding up quickly. XXXX XXXX XXXX you are fully responsible for allowing someone to open credit accounts in my name without verifying my identity and I will not rest until you are held accountable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Historically, I have had a high credit score of XXXX. Last XXXX, it appeared as though Wells Fargo had double-deducted my monthly HELOC auto deduction from my checking account at XXXX XXXX. 

In an effort to protect me, XXXX XXXX  stopped auto deductions from Wells in excess of a certain amount in XXXX of 2018. The process for investigating with Wells Fargo was arduous an they did not help. The process took almost a year. By XXXX of 2018, I had changed HELOC accounts at Wells Fargo and was told that I would be all caught up and no negative credit determination was made. The is not true. My credit was slowly going down to XXXX. Again, I got on the phone with Wells and they told me they would cover the " {$200.00} '' interest that was accruing in a sub account that I never authorized to be opened. I went on to simply pay the disputed amount by year end. I never accepted responsibility for the error but I wanted to save my credit. Unfortunately, Wells Fargo continues to report to XXXX that I'm " behind '' in mortgage payments and It's is adversely affecting me. XXXX investigated and Wells said I was not paying in a timely fashion. I have statements that show the monthly bill has been paid.
Product: Mortgage

Loan Depot is unable to tell me when and for how much I can expect my next insurance payment distribution, from water damage at my home. This is causing me to float several thousands of dollars to contractors. I am waiting on several paper checks, because they can only receive direct deposits, they do not send money out via direct deposit. When I call the loss draft number ( XXXX ), the person I talk with is unable to help me and says the " processor '' is the only one that can help me, BUT I can't speak with them or email them. Their " XXXX XXXX '' allows me to send questions but I don't have any receipt that they have been received and have not received any follow up from them.
Product: Credit card or prepaid card

On XX/XX/2018, I applied online for a TD Cash Visa credit card through an offer promising a bonus of XXXX points ( worth {$200.00} ) for spending {$500.00} within 90 days. My application was approved and I was issued a TD Cash Visa credit card. I made more than the required {$500.00} in purchases on the card within the first 90 days, and while I did receive a bonus, it was only XXXX points ( worth {$150.00} ) rather than the XXXX points ( worth {$200.00} ) specified in the bonus offer. I mailed TD Bank a letter about this on XX/XX/2018, but received no response.
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 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 XXXXXXXX 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: Debt collection

Repeatedly getting messages in calls on unknown debt. Blocked numbers but uses other new numbers daily. 
Texts from XXXX stating to call XXXX Calls from various numbers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I had an investigation with an account called XXXX done and this account is fraud and identity theft. I have not gotten help with this issue they are reporting it as verified but it is an account taken out in my name with my information not arising from me.
Product: Mortgage

I have the final payment amount for my 30 yr mortgage and the lien holder is demanding that I pay this amount via XXXX money order to a special account. Otherwise they will charge daily interest on any amount not received by the normal mortgage payment date. 
I do not understand how they can change the rules on the final amount rather than accept the payment via routine authorized account withdraw as we have for the duration of the loan. This sounds like a trap to squeeze more money out of us. This loan was sold to Seterus who have hounded us ever since. 
Resolution requested is to have them accept the final payment via the routine account withdraw.
Product: Credit reporting or other personal consumer reports

I filed a dispute with Experian on XX/XX/2024 about a mistake they made reporting a 30-day delay on my XXXX account XXXX. They are lying and never did a serious investigation. According to them, the delay is from XXXX and the balance is not correct. They updated the information on XX/XX/XXXX. I have proof that my last payment was on XX/XX/XXXX. I have a copy of the statement indicating the correct balance and that there was never said delay.. I accuse Experian because is violating the Fair reporting credit act .I
Product: Vehicle loan or lease

I recently purchased a vehicle XX/XX/XXXX. I purchase this vehicle online through Carvana. At the time of purchase XXXX requires an ACH withdrawal to take place for the down payment. Which was verified account number and about directly with the bank via 3way calling. I was later notified on the XX/XX/XXXX the down payment did not go through. I was told that the account was unable to be located which they verified my account days prior. I was told that I would need to process the new payment either via credit card or send in a certified check. When I checked my bank account I realize I had an authorized charges and had to dispute them. During the process my credit card was canceled and I had to wait for a new card to come into the mail which I was told would only take 3 to 5 business days. I let them know that I could make the payment on the XX/XX/XXXX once I had the funds back into my account and a new card I was told that would be fine I had until the XX/XX/XXXX. With the holidays and I guess US mail service I had not received my debit card as well as the investigation on my account has not been finalized so I did not have the full amount. I borrowed funds over the next few days. As Iwaited for my new card. XXXX was the XX/XX/XXXX and Thursday which they were closed.When I called back Monday XX/XX/XXXX to correct the issue make the payment. I was told that they would no longer except my payment and they were going to repossess my vehicle and put it on my credit. I never received anything in writing I asked to speak to a manager and I was told that I was not be able to speak to anyone per the notes on the account the repossession order has already been sent and I would need to contact the Finance company. When I reached out to the finance company they told me that I would need to reach back out to the dealer. The finance company said they can not discuss anything on the account they didnt talk about and I needed to call back and speak to someone from the Carvana. When I called the dealer back the dealer explain to me that I needed to call the finance company and surrender the vehicle and they would not except my payment. I dont feel that they are being very ethical or acting in good faith as it pertains to this contract. The contract does not start that can refuse payment for any reason l explained that I can provide documentation to from my bank and still no one will talk to me other then tell me to surrender the vehicle.