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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XXXX XX/XX/XXXX Capital One Bank Usa XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX Subject XXXX Formal Dispute of Inaccurate Payment History and Delinquent Information Dear Capital One Dispute Department , I am writing to formally dispute inaccurate and misleading information reported on my Capital One account, which appears on my credit report. The disputed information pertains toAccount Number : XXXX ], and includes incorrect payment history and delinquency records. 

Upon reviewing my credit report from [ Credit Bureau XXXX s XXXX XXXX, XXXX, and/or XXXX ], I noticed the following errors : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Of negative payment history. Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681s-2 ), furnishers of credit information are required to report accurate and complete information. Additionally, under 15 U.S.C. 1681i, I have the right to dispute inaccurate information, and Capital One is obligated to conduct a reasonable investigation. If the information is found to be inaccurate or unverifiable, it must be corrected or removed. To support my dispute, I have attached the following : A copy of your credit report with the disputed items highlighted. I request that Capital One : 1. Conduct a thorough investigation into this matter. 
2. Provide me with documentation verifying the accuracy of the reported information. 
3. Correct or remove the inaccurate information from my credit report if it can not be verified. Failure to comply with the FCRAs accuracy requirements may result in legal consequences, including liability for damages under 15 U.S.C. 1681n and 1681o. I request a written response within 30 days of receipt of this letter, as required by law. 
Please address this matter promptly and confirm the resolution in writing. If you need additional information, you may contact me at the phone number or email address provided above. 

Sincerely, XXXX XXXX
Product: Mortgage

Hello We had a bankruptcy 13 years ago. On our monthly statement, which is never or sometimes mailed out, and all paperwork per Chase Mortgage they still classify us as in a " Discharge status ''. We tried many times to communicate to get this taken off our records. No one at Chase seems to have any knowledge to help us. We supplied paperwork to Chase to rectify this off our mortgage paperwork and their system. We feel that the slanderous and defaming information on our monthly statement is ludicrous. When we call Chase we are still diverted to a prerecord statement that is horrible and heartening to the Chase bankruptcy department. It is revolting at this point that something that has transpired 13 years ago. Still to this day we don't receive timely monthly statements. We pay on time and Chase does cash the checks very promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Southwest Credit System Reported to my credit reports inaccurate information to all three credit bureaus. It was reported to XXXX that the account was open on XX/XX/2022, last reported on XX/XX/2022, and date last active on XX/XX/2022. It was reported to XXXX that the account was open on XX/XX/2022, last reported on XX/XX/2022, and date last active on XX/XX/2022. It was reported to XXXX that the account was open on XX/XX/2022, last reported on XX/XX/2022, and date last active on XX/XX/2022. According to the FCRA 15 U.S.C 1681 ( a ) Accuracy and fairness of credit reporting : Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Per the law ALL information should be accurate that is reported to the credit bureaus. This information is not accurate across all credit bureaus which directly violates my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX  Account Number : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Student loan

I have been in education for 4 years now going on 5 and wanting to get my loan forgiven. I have reached out and haven't gotten any response to this. I have also done public loan forgiveness
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX- This " Collections Agency '' is rude and unprofessional. I called XX/XX/XXXX regarding a report on my credit for XXXX XXXX that I was unaware of. When I called I spoke to a rude man by the name of XXXX he told me that I owe a small balance of {$430.00}. I did inform him that I never even knew I had a balance that the apartment complex never contacted me and I even updated my address and have the same phone number. If I knew I had a balance of {$370.00} I would have paid it. I asked him how many times I was called regarding this debt. He informed me 2 times, one time in XXXX and another in XXXX keep in mind I moved out XX/XX/XXXX. I asked him why I was only called 2 times. He basically informed me that my account was small and he had other bigger accounts that needed to be collected. He said let me ask you a question how many times did you call to get your deposit back he said " if that was my {$400.00} deposit I would be calling everyday. '' I requested to speak with his boss to complain about his horrible customer service he then passed me to XXXX. I Informed XXXX of how disrespectful his employee was being to me and told him I work in collections and I would never speak to anybody the way XXXX spoke to me when I was the one calling trying to resolve this debt that I knew nothing about. He informed me he will monitor our call but I still am responsible to pay. He also told me its not his job to monitor my credit that if I would have ran my credit I would have seen it advised him that I do not even have a credit card and if I did owe you would think that they would call me more then 2 times in 4 years what kind of collection agency does that. Advised I have no problem paying it because I need it to be removed off my credit. So I go personally down to the office to pay debt in full and he then tells me he can not provide me a letter stating it will be removed or deleted. I was willing to pay off my debt but he was unwilling to provide me a letter that states when i payoff balance it will be removed or deleted off my credit report
Product: Checking or savings account

On XX/XX/XXXX my cell phone was stolen. I was using Revolut as my banking servicer. There were charges that were made on the device before it was wiped after reporting it stolen. I attempted to dispute these transactions as fraud to Revolut. The " security team '' at revolut confirmed access to my accounts from another device and stated it was compromised. However before the security team even finished securing my accounts the " chargeback team '' had already claimed to resolve the dispute stating no fraud activity. Completely against the information that was provided to me by the security team. I requested that the case be properly investigated and Revolut informed me multiple times that the chargback was rejected by them and they would not investigate. After multiple times attempting to get them to review the information and screen shots of the conversations with their own security team. They still refused and stated they will not do anything one a resolution was made final. The timing of the quick response and rejection of the dispute as well as the results of the dispute being provided WHILE my account was locked down by the security team who had me reset my passwords and made sure to secure my account, shows that Revolut ignored the regulations to fully investigate the reported dispute in good faith. They refused to re open the dispute and use the information provided to them by their own security team, and based on the evidence provided a result knowingly and willfully when such a conclusion could not have reasonably have been drawn. I spoke with another representative regarding a request to receive all of the dispute documentation including the investigation notes from the security team showing unauthorized activity on my account. The representative informed me that they only provide the results to the dispute and that when a dispute is final there is no way for them to make any changes. I also requested clarification as to why the dispute team did not use the information about my account compromise. I was not provided any avenue to get clarification. This again is against the banking regulations requiring documentation at my request.
Product: Money transfer, virtual currency, or money service

I was trying to zelle my mom {$700.00} no where on the Zelle did it say it was an irreversible action. the number was incorrect I reached out to my bank XXXX  and they refunded me while they started an investigation. Once the investigation was finished they said they were going to take the XXXX $ back out of my account as they said Zelle is irreversible even though no warning was given prior to me sending the money.
Product: Money transfers

I sent money to my cousin who is in prison, I do not have the reference no. of the first transaction but it was back in XXXX back then I had confirm all the information concerning my relationship with beneficiary. On XXXX XXXX and XXXX of XX/XX/XXXX I sent him money ref no. XXXX & XXXX my cousin was waiting for the funds and he had not received it ref no. XXXX, I contact the customer services which informed a representative informed me that the transaction was under review. She ask mw what was my relationship with beneficiary and then released the funds.after informing that beneficiary was my cousin. Now on XXXX XXXX, XX/XX/XXXX the same thing happen, the whole day pass and my cousin had not received the funds. I called customer services again and the representative informed that the received had to call them. I told him that if had receiver my money transfer and informed in that this was going to someone in prison. He asked me to be placed on hold and the informed that funds were released. I do n't know what money grams employees are doing there is no reason for my transaction to be on hold if they have confirm the information with me. this is a frustrating situation. I will NEVER use money gram again. bad services and made me waste my time.
Product: Student loan

Recently found out the school XXXX XXXX XXXX XXXX I graduated from in XXXX, is now being forced to shut down in XXXX, while I 'm still left paying federal and private student loans that were taken out for me by the school. I understand that there are options for currently enrolled students and students who withdrew from the school within 120 days to have their loans forgiven. I 'm researching to find if there are benefit options for people like me who has graduated from there but are left paying for a degree from a school that is now shut down.
Product: Credit reporting or other personal consumer reports

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 

XXXX {$3100.00}, OPENED XX/XX/XXXX. 

XXXX XXXX {$3700.00}, OPENED XX/XX/XXXX. 

XXXX XXXX {$710.00}, OPENED XX/XX/XXXX. 

XXXX XXXX {$450.00}, OPENED XX/XX/XXXX. 

XXXX {$5900.00}, OPENED XX/XX/XXXX. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, OPENED XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM SUBMITTING THIS DOCUMENTS ON MY OWN BEHALF. I WILL ASLO FAX THEM IN. PLEASE DO NOT SAY THIS IS A COMPANY SUBMITTING THIS. 
Send in information via Equifax Upload to update my address to prevent any future access to my sensitive information. I've had several attempts of someone trying to open accounts in my name because I was still receiving prequalified offers in the mail at a previous address. I've purchased a home and no long want to receive promotional offers from companies that Equifax allows to do a soft inquiry on my credit profile. I would like for Equifax to block and remove any inquires that didn't originate from me as well as update my current address to show accurately. I do not wish to place a fraud alert on my account since Ive changed my account pin.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 I was driving to XXXX when a phone call came in from a man claiming he was from the XXXX  XXXX XXXX. He asked me if I knew a XXXX XXXX. I said no. He said the guy was using my XXXX at Wells fargo to try and get two different transactions of each one was XXXX and XXXX. He then said he needed to transfer me to a Wells Fargo Rep to verify I am who. The man from Wells Fargo also said he needed to verify my name and for me to go to XXXX and put in my name as a recipient. I was skeptical and kept saying to him, I hope you are not scamming me. He kept saying oh no. So dumb me put in the recipient name on XXXX as he asked XXXX. The he proceeded to first try and have me put in XXXX or so to the recipient of XXXX. My XXXX would not do for that large of an amount. Once he got me to put in XXXX I hit send and it went out of my account. I asked for his name which he said was XXXX XXXX and his agent number which he said XXXX. I said to the man, oh that's convenient. The Wells Fargo fraudulant person said they would notify me in a day to get my money back. 

I immediately called Wells Fargo, it took them one day and they closed the fraud. I have been reading a lot on Regulation E for banks and how there are new guidelines for the banks to pay back their consumers. Of course the bank would not acknowledge this but XXXX XXXX is pushing for the banks to reimburse their customers. My claim number at Wells Fargo is XXXX. I filed the claim on XX/XX/2023 and on XX/XX/2023 they closed it. They told me the money went to a XXXX XXXX. 
Can you please help me receive my {$990.00} back under the new guidelines of Regulation E. I was tricked in to this.
Product: Credit card or prepaid card

I have spent too long on the phone with your people, in the attempt to get an issue resolved, and was unable to get actual work done. 

There is 4 holds on my account from XXXX XXXX for XX/XX/2022 in the amount of {$35.00} 4 times total XXXX I was told that they can not do anything about it until XX/XX/2022, even if the merchant does not claim the charges. 

Asking for my ss number multiple times, which is a intrusion of privacy concerns and concerns of consumer propriety details. 

I am trying to transfer money from my account to another account but can not, as I am receiving an error that you can not fix Error : Oops! Well, this is awkward. Were experiencing some technical difficulties, please try again in a moment. 

I was transferred multiple times to get this issue fixed, and each time I am being transferred to get fixed or resolved, the person gets on the phone and they hang up. 
I then have to call back in and basically go through this process of verification of my ss number and dob all over again. 

I have been on the phone with your people since XXXX cst. 

This is taking too long and too many people and too many calls to fix issues that are on your side of the fence. 
I can not believe that you are running this type of business process. 

after Hanging up with last person from the company, my account suddenly went to permanent suspension. 
I called back in to serve, and was told that they can not help me. 

Fix the issues or I will send a report as high as the XXXX XXXX XXXX 
I have already reported you to the TXXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I have submitted a report to XXXX  and I have sent a report to the Banking Commission.
Product: Credit reporting or other personal consumer reports

This is my 21st endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$730.00} XXXX XXXX XXXX XXXXXXXX Balance : {$6500.00} XXXX XXXX XXXX XXXXXXXX Balance : {$2600.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I wanted to sell a used television for XXXX $ and posted an ad. A potential buyer reached out to me and asked me for my zelle details to transfer money and get the tv. I gave him my email which is linked to my zelle account. Then I received an email from XXXX : REQUIREMENT TO RECEIVE THIS FUNDS 1. Get your Zelle account ready.

2. Contact the buyer for our agents info that was sent to himher via email. 

3. Send the sum of {$400.00} USD to XXXX XXXX. 

4 Take a clear picture/screenshot of the payment once effected & reply to this email.

5. Instant {$500.00} USD will be credited into your Zelle account.

N/B- If you have any further questions, kindly send reply to this email. This mailbox is monitored and you will receive a response as soon as possible. 

Thank you for using zelle ZELLE CUSTOMER CARE I sent him XXXX $ and then I received another email : Zelle Logo This is to inform you that your pending payment of {$500.00} USD has been processed and approved and will be credited into your account soon. 
In order to get the total money credited into your account today you have to pay a certificate fee of {$1000.00} USD The certificate fee represents the approval and insurance of your funds. 


XXXX  XXXX XXXX. 

Note : The Certificate Fee will be added to your pending funds and you will be credited with the sum of {$1500.00} USD Below Is The Instructions : Youre required to send the certificate fee to our agent Zelle information.Take a clear picture/screenshot of the payment once effected & reply to this email. 


{$1000.00} USD TOTAL SUM : {$1500.00} USD Then I realised that this is a scam and immediately reported to my bank. They asked me to contact zelle but even they are not helping me on this issue. 

I lost XXXX $ in total.
Product: Debt collection

XXXX XXXX XXXX calls repeatedly on my work telephone line from various numbers starting last week ( XX/XX/2018 ). They threaten that an attorney in my area is looking at my file and take legal action. However, the debt they claim never existed and has never been on my credit report. They harass me at work multiple times a day, on a business line, even though I have told them the debt is false and is not on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX I sent letters to experian, XXXX  and XXXX  requesting for the following inquries to be removed from my credit report under the fcra & the reporting time has reached 2 years and it has not fallen off my report. I called the companies XXXX which has been on my report since XX/XX/XXXX on experian which should have fallen off already, XXXX  XXXX  which has not been able to provide me with information that I authorize them to pull my credit and I dont know who they are. They said that experian has to remove it. XX/XX/XXXX. I spoke with XXXX XXXX  and they said XXXX and XXXX  has to remove it. XX/XX/XXXX. cap one on XX/XX/XXXX on XXXX  and cap one na on XX/XX/XXXX on experian has to be removed by them and cap one XX/XX/XXXX transunion is suppose to be removed by transunion. I have addressed these issue and still no response about the inquiries removal which is hurting my score and ability to obtain other financial options that I want to explore.I resent letters again about the removal of inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am distressed that Equifax have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. May I know your investigation resources that you used that proves that this account is still opened? Also this account has been in dispute for months now why does it not state that in the comment section? Why is the payment status showing late 120days on a charge-off account? This misleading information has reporting on my credit profile for over a year, therefore needs to be re-investigated and removed from my credit profile for immediately Account : XXXXt XXXX I respectfully request proof of your investigation. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit report. In this complaint accompanies a copy of my Equifax credit report showing proof of the inaccuracies reporting on my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my credit report the following account # XXXX has repeatedly been updated as charged off, paid as agreed, and then back to a charged off status. This is an update in the payment history which to my understanding in which " if '' this account was charged off, it should not include an active payment history. This would falsely manipulate the statute of limitations under the XXXX provisions. This account was XXXX percent paid in full. I am demanding the deletion of this account. These are severe violations
Product: Debt collection

I have mailed XXXX and Experian regarding a reporting issue I recently descovered. According to my records they are reporting XXXX XXXX account # XXXX with missing information. The closing date doesnt match or its simply not being reported. Ive sent many letters to have this resolved to have a more clear and correct consumer report.