23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Capital One Bank change of payment date has been going on since XXXX every month they claim I they cant find I requested a change of billing date to XXXX th of the month as stated by the rep.Every time they claim the rep did not put it in as change of billing date. Capital One Bank has bad customer service no confirmation date and every time you call them its a new story on there part
Product: Money transfer, virtual currency, or money service

I work at a XXXX  in XXXX, XXXX XXXX XX/XX/2022, there was a XXXX guy came in and ask for help. He said his phone is dead and he needed to call her girlfriend. He borrowed my phone to call her and then he hacked my Chase mobile banking app and committed an unauthorized transaction through XXXX. He added two recipients and tried to transfer money to both accounts the completed amount was {$1900.00}. I reported the fraud immediately to the bank because he deleted the app on my phone. I had a video record of the crime from a XXXXXXXX XXXX  camera and I asked the Chase 's fraud team so many times during my calls on XXXX and XXXX XX/XX/2022 to provide a video footage and report to the police. However, the bank said they do not need any more information right now and they will report fraud to the police after investigation but the JPMorgan Chase Bank denied my claim and took my money back from my account on XX/XX/XXXX. The reason the bank denied my claim is that a transaction was authorised because I allowed that person to use my device, and I totally disagree with that. Unfortunately, it's been a month now so the video is gone. I later reported to the police and the report number is XXXX. I contacted the Chase Claim Team several calls on XX/XX/XXXX and XXXX. While some officers required me to provide more document to reopen the claim, one suggested me to go to the branch, one said there is nothing they can do because the investigation is done. I have couple witnesses who saw the person committed crime. Also, I have their names and phone numbers of the criminals. 

XXXX. You added or edited XXXX as a Chase QuickPay with XXXX recipient. 
Get started by sending them money or requesting money from them. The mobile number, XXXX, you provided will be used to alert them about money you send or request. 
2.You added or edited XXXX as a Chase QuickPay with XXXX recipient XXXX 
Get started by sending them money or requesting money from them. The mobile number, XXXX, you provided will be used to alert them about money you send or request. 

I am absolutely sure that I did not allow that person to initiate the transfer. I was tricked by a group of criminal because after he returned my phone, he suddenly got in the XXXX car that was waiting outside. The transaction was not authorised and it was a fraud.
Product: Credit card or prepaid card

The company Seventh Ave. in the previous report : # XXXX, has NOT followed through by removing a " duplicate account '' that I never requested & don't use. And they've used that as an EXCUSE NOT TO REPORT MY EXCELLENT CREDIT!! They said in the former complaint as a response that they would find a way to REMOVE THE DUPLICATE ACCOUNT, & THEN REPORT MY EXCELLENT CREDIT to ALL the credit bureaus AS THEY SHOULD!! But THAT NEVER HAPPENED!! They need to follow through with removing this " duplicate account '' that is THEIR system error & THEIR PROBLEM TO FIX!! & THEN REPORT MY EXCELLENT CREDIT MONTHLY AS THEY SAID THEY WOULD & THEY'RE SUPPOSED TO!! 
Also my billing address has changed to : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Massachusetts XXXX United States, but every time I update info. w/ them they GIVE ME A NEW ACCOUNT #!! THEY ARE GOING TO HAVE TO KEEP MY ORIGINAL ACCOUNT ENDING IN XXXX, fix the billing info. & REPORT MY POSITIVE CREDIT just like any other company would. WITHOUT screwing up my account!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX : # XXXX, XXXX XXXX Credit Card : # XXXX, XXXX XXXX : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and XXXX are obligated by the FCRA to report accurate accounting. A charge off account from Bank of America is reporting on my credit report. According to IRS publication 4681 : If your debt is forgiven or discharged for less than the full amount owed, the debt is considered canceled for the forgiven or discharged amount that you no longer need to pay. Cancellation of a debt may occur if the creditor can't collect, or gives up on collecting, the amount you're obligated to pay. If you own property securing a debt, cancellation of the debt may occur due to foreclosure, repossession, voluntary transfer of the property to the lender, abandonment of the property, or a mortgage modification. In general, if your debt is canceled, forgiven, or discharged for less than the amount owed, the amount of the canceled debt is taxable. A charge off is considered income by the IRS and income does not suppose to be reported on my credit report. I never received my copy of the 1099-C. Also, according to 15 USC 1681 I have the right to an accurate report across all reporting bureaus. This particular charge off account show inaccuracy with all three bureaus. The information directly impairs the efficiency and credibility of the information being reported by the credit bureau.
Product: Credit reporting or other personal consumer reports

I have been trying to resolve this matter for some time with your agency, and the corporations and debt collectors you allowed to fraudulently place inaccurate items on my credit report without permissible purpose, along with violating many other rights I am able to enforce as a natural person. Moreover, you continued to report items that are not 100 % accurate ( the most important job as a credit reporting agency ) as well as without my permission. I have had to forcefully study to find out the numerous ways that I have been violated, but my perspicacity and indefatigability assisted me to this very moment. I am a consumer that can take litigation earnestly, meaning that I am unreasonably prone to go to law to settle disputes, and am currently in the process of taking legal action in this matter to enforce my rights under the FCRA and FDCPA. This is my official notice for you to remove everything that is in violation of the laws mentioned in my AFFIDAVIT OF TRUTH, LITIGATION LETTER ( THIS ATTATCHMENT ), FTC REPORT, CFPB COMPLAINT, XXXX XXXX, ATTORNEY GENERAL COMPLAINT, SOCIAL MEDIA HANDLES, AND FEDERAL COURTS IF NOT RESOLVED PEACEFULLY AND QUICKLY. WHICH I WILL BE USING AS CRUCIAL EVIDENCE, in your ability to willfully neglect the laws that have been put in place to refute situations such as mine.
Product: Mortgage

I was denied a home equity line of credit by Iberia Bank because of a false debt to income ratio. I was told that my dti was 69 %. This figure is false. My documented income is XXXX a month, and my total monthly debt payments are less than XXXX. I have made numerous requests to get an explanation of how the 69 % figure was attained. No one has given me that information. I believe the real reason for the denial is age discrimination. I am completely qualified to get this heloc. My home has no mortgage, and the requested loan amount is within the allowed loan to value. Banks should not be allowed to deny credit to qualified borrowers under false pretenses.
Product: Credit reporting or other personal consumer reports

they are in violation of many FCRA laws and they have refused to resolve the problem i have provided documents and everything that is stating all the laws that they are in violation off. its been over 30 days and they still have not taking the clear violation of the FCRA laws off my credit report.
Product: Credit reporting or other personal consumer reports

Freedom Trucking XXXX Is not my account. I was XXXX  for a few years I did not open these account.
Product: Credit reporting

I keep getting an address on my report and i have never ever lived there, so please remove it. XXXX XXXX XXXX XXXX, IL XXXX I have never even been there in my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing these late payments on my account because they are inaccurate reporting on my account.. I have sent in letters to Experian asking for ALL investigation and was not giving anything. Its been 2 months and they are still violating my consumer rights by report this inaccurate information and its getting frustrating.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a XXXX  loan from the lender " XXXX XXXX '' opened in my name. I did not authorize this and, would like to report these accounts as fraud. The information shown on my credit report is inaccurate. 

The following accounts show up on all 3 credit bureau 's and is listed below in this complaint. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally XXXX  down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The XXXX  aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.
Product: Mortgage

on XX/XX/XXXX, I logged into my Mr. Cooper account to pay my mortgage. When doing so, I noticed that the monthly payment had increased from {$2800.00} to {$4200.00}. When looking over my statement, I noticed that Mr. Cooper had recently completed an annual escrow review that lead to the large increase in monthly payment owed. During their escrow review, they erroneously input that my property tax payment is double what it actually is ( they list it as {$12000.00} when it is actually {$6300.00} annually ). 

I reached out via phone on XX/XX/XXXX, and the rep quickly noticed this mistake and let me know that he put in a research request and it would be resolved within XXXX business days. After the projected time had passed, I noticed that Mr. Cooper lowered my monthly payment owed to {$3600.00}. At this time, they had uploaded a new escrow statement showing that they resolved part of the error ( property taxes made last year was decreased to what was actually paid : {$6300.00} ), but are still projecting that my next year of taxes are double what they actually are. 

I called them again, for the rep to say it is what it is and there is nothing that they can do. At this time, I escalated with a XXXX who submitted a research request, with again, no resolution taking place. This would be an easy to resolve issue if someone would take a look at my tax bill and see it is exactly half of what Mr Cooper is claiming it to be.
Product: Prepaid card

My Navy Federal prepaid card was stolen, and funds were taken from my account. I filed a dispute with Navy Federal XX/XX/year>. I was charged for express shipping and also charged an additional charge for a replacement card. {$2500.00} was stolen, and immediately after I filed dispute, Navy Federal froze my account. They never shipped my replacement card, and they also closed my account and removed my remaining funds, with no explanation via mail or email.
Product: Debt collection

Company Love Beal and Nixon : Put a hold on our bank account and said they will take out what's in there. 

We owe them {$3300.00}. Our balance is roughly {$1800.00} ... .that is what we are using to pay our bills and survive. If they take XXXX then we have no money to live on ( family of XXXX -- -XXXX kids, wife and me ). I setup auto payment few weeks ago ... so not sure what the problem is. They could have called and try to get the money that way instead of threatening. A judgement an year ago was already passed that i need to pay them. I have been paying until last few months, when my budget was tied. Got a new job and setup auto payment right away. 
Please assist with this matter. 

Thanks, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My Experian score went down arbitrarily from XXXX to XXXX. I spoke with them on XX/XX/2020 and XX/XX/2020.
Product: Checking or savings account

My business name is XXXX XXXX XXXX. 
The case number I was given by Capital One Bank about my case is XXXX I opened a business checking account ending XXXX with Capital One Bank in XXXX. I have used this account many times for my business. 
On XX/XX/XXXX, I wired {$100000.00} to another construction company that I do investment with. On Capital One bank online banking I did the wire transfer. After the wire transfer, online banking system showed that my wire transfer was successful. I have a screenshot of the notice. However, on the 2nd day, XX/XX/XXXX, when I logged in to my online banking, the system showed that ALL OF my money is not available, I needed to call XXXX. I started to call this number On XX/XX/XXXX, that day from XXXX XXXX until XXXX XXXX., Capital One Bank transferred me many many times to many different departments back and forth, but nobody could explain to me why my money was not available to withdraw. I stayed with them on the phone for 6 hours on that day. 
On the second day XX/XX/XXXX, my checking account was not available. I called the same number again. I was TRANSFERRED by them many times to different departments back and forth again!! Many times I was transferred to the wrong department and the wait was a very long time. I answered all the questions they asked and did whatever they asked me to do, but the result was the same, my money still showed as NOT AVAILABLE FOR ME TO WITHDRAW. I am doing business with my money I am losing money each day because they are holding my money. 
I did not call them on Monday XX/XX/XXXXXXXX  because I thought they might work on my case. But the answer is NO, the restriction is still on my account. 
Today XX/XX/XXXX, Tuesday, I called the same number shown on my online banking from Capitalone Bank Again. I have been transferred 3 times. The last manager I spoke with was from their business account customer service department, he told me that theres NO restriction showing on my account, but a specific agent from the Fraud department also called the customer protection department which I or they are not able to call, that agent put the restriction on my account and it has to be that agent to take off the restriction from my account. Also, they have emailed that agent about my case many times since XX/XX/XXXX, but no one knows why theres still a restriction on my account. Sounded like The only thing they could do was just wait and hope that agent checks the email. But if that agent does not check email, my money will be held by them forever!! 
I am losing money because Capital One is holding my money and also wasting time. I need help to get my own money out of Capital One Bank!!! 
I have saved many managers ' names and ID I spoke on the phone I am happy to provide the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my further Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a request for XXXX Equifax, and XXXX to remove all of my hard inquires which were unrecognized. I personally called each company that I asked to be removed and was quickly advised there was nothing they could do because I do n't have an account or account number with them. I explained to all 3 the only permissible reasons for pulling someones credit is a Firm offer of credit, Insurance, court order or employment. What XXXX decided to send me was a generic response telling me what inquires were which I did not request an explanation of what inquires were. The other 2 agency 's sent nothing!
Product: Student loan

My payments were origionally & routinely drafted from my checking account from XXXX of XXXX thru XXXX of XXXX by TransWorld Systems , Inc. Without any notice, my draft was discontinued in XXXX of XXXX. I have tried to contact both the US Dept of Education, my origional lender & the third party company listed as TransWorld Systems , Inc. The US Dept of Education tells me they no longer assist me becuase they do not service my loan any longer. I can not speak with anyone at TransWorld. Their automated system says they are not allowed to speak due to a retraining order placed by the US Court, Judge XXXX. So, my understanding is they can not accept payments while under a lawsuit. However, I am trying to obtain a FHA mortgage and I can not close until my payments are current & XXXX is cleared. 
I am in desperate need to get this resolved. The number I have for TransWorld is XXXX. I have left numerous messages with no return call.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has not updated my balance of my XXXX XXXX account. I contacted XXXX XXXX, and they quoted the correct balance ( which is lower that what Experian has ) they reported to the 3 credit bureaus. In addition, XXXX and XXXX  have been updating my status and balances accordingly every month, just not Experian.
Product: Debt collection

I keep getting calls to my cell phone asking for me to call regarding a debt
Product: Credit reporting or other personal consumer reports

FCRA 605B, in my understanding, necessitates the deletion of any incorrect accounts from my credit report. Could you please review the documents? It seems that some of the listed accounts are inaccurately reported.
Product: Debt collection

So when I check XXXX XXXX I see that there are 2 apartment collections on my report XXXX and XXXX XXXX, which is reporting to XXXX XXXXXXXX and Im not able to rent an apartment or a rental so Equifax has the wrong information on my report and the information doesnt match the reports from the other 2 agencies. My credit score is higher on one XXXX XXXX or so and EquifaxXXXX XXXX is XXXX or XXXX, please help me.
Product: Credit reporting or other personal consumer reports

XXXX promised to help build my credit score and if I got a secured card with XXXX, after XXXX year I could get unsecured and my payments suppose to be reported to credit bureau to help with my credit building. I have been with XXXX for XXXX years and they have not approved me for a unsecured credit card as of yet.
Product: Credit reporting or other personal consumer reports

I am writing to request a correction of the following information that appears on my XXXX, Equifax, and XXXX credit reports. 

Dispute 1 Account Number or other information to identify account : XXXX - XX/XX/XXXX Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize the inquiry on my report. I have included a copy of my complaint with the https : //www.identitytheft.gov/ I did not recognize and authorize this pull and the federal Fair Credit Reporting Act ( FCRA ) strictly limits who can access your credit report without consent. Please remove this item from my credit report immediately.

Dispute 2 Account Number or other information to identify account : XXXX XXXX XXXX XXXX XXXX XXXX with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize the inquiry on my report. I have included a copy of my complaint with the https : //www.identitytheft.gov/ I did not recognize and authorize this pull and the federal Fair Credit Reporting Act ( FCRA ) strictly limits who can access your credit report without consent. Please remove this item from my credit report immediately. 

Dispute 3 Account Number or other information to identify account : XXXX XXXX, XXXX XXXX Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of my complaint with the https : //www.identitytheft.gov/ I did not recognize and authorize this pull and the federal Fair Credit Reporting Act ( FCRA ) strictly limits who can access your credit report without consent. Please remove this item from my credit report immediately. 

Dispute 4 Account Number or other information to identify account : XXXX Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of my complaint with the https : //www.identitytheft.gov/ I did not recognize and authorize this pull and the federal Fair Credit Reporting Act ( FCRA ) strictly limits who can access your credit report without consent. Please remove this item from my credit report immediately.