23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Capital One Bank did not notify me of a debt for which they assert is my responsibility. They did not give me an opportunity to dispute this debt before they filed a case in court. 

According to the Fair Debt Collection Practices Act, as amended by Public Law 111-203, title X, 124 Stat. 2092 ( 2010 ), 809, under Validation of debts, states that notice of debt must be provided to the consumer before any collection efforts may begin. When the consumer receives this notice, he has the right to request proof of the debt before collection efforts may begin. 

The first notice I received from Capital One Bank was in the form of a summons to respond to a lawsuit filed in court for Capital One Bank, attached to my front door by tape. No letter, as required by statute 809, was sent to me before collection efforts had begun. 

After I responded to the court summons, I requested by discovery to Capital One Bank and their attorney, provide all relevant information they had to prove this debt was in fact, my responsibility. The attorney responded that providing the documents requested by the Defendant is unduly burdensome. This, despite the law requires Capital One Bank to notify me of the debt and prove it is my responsibility. 

I stated, in my response to the original summons, that I have a son by the same name, XXXX XXXX XXXX, who also resided in XXXX at the address listed on the statements provided by the Plaintiff. 

Capital One Bank listed ten items of evidence in their Initial Rule 121 Disclosure Statement, which they stated will be used at trial. Only two of these ten items were given to me, even after my request for discovery. Eleven of these documents in one category are completely illegible. The information provided by these two items do not prove the Defendant is the person named on this account. 

There is no direct link from these computer-generated statementsspecifically to me. There were two persons called XXXX XXXX XXXX who have used the address listed on these statements. These statements do not definitively prove whether the alleged account belongs to either the Defendant or his son, or some other person with a similar name. 

When asked Capital One Bank why they did not send me the notification of this sebt before they started a law suit, they did not answer. This is a violation of statute 809, according to the Fair Debt Collection Practices Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax obtained my personal information and failed to keep it secure, allowing hackers to obtain access to it. Equifax then failed to disclose this information for weeks. I recently was the victim of identity theft in which thieves accessed my bank accounts. It is unclear if it is related-there is no way to know.
Product: Debt collection

XX/XX/XXXX I moved into an apartment with my ex bf when I signed the lease it was stated that I had no income and would not have any for the next twelve months. My ex moved out 3 months early and now they have sent the account to collections thats preventing me from moving. I have asked them to validate this debt numerous times in the past two months and I still have received no documentation since around XX/XX/XXXX when I disputed this debt.
Product: Checking or savings account

Between XX/XX/XXXX and XX/XX/XXXX someone hacked into my chime account unauthorized took over {$60000.00} dollars... For example XX/XX/XXXX there were 51 transaction.. XX/XX/XXXX there were 54.. XX/XX/XXXX there were 49 all to XXXXXXXX XXXX in Florida ... Mind u i leave in NC.. ..Chime keep saying no error occurred. I agree it was fraud and a scam...
Product: Credit card or prepaid card

I am an international student, on XXXX. I walked in XXXX XXXX Boa, XXXX, VA, to close my account and pay my credit card. because at that time, XXXX will refund me about {$150.00} to my cash reward card. I asked agent helped me to do the all of process which included close the checking account and pay the credit card, also I told them I will get refund later, so I will pay the amount except {$150.00}. they said ok, and helped me. I paid third times, one is {$880.00} to the travel reward, one is {$350.00} to cash reward, and last one is {$80.00}. the agent use my check to helped me to pay after they close my account. what the money left, they did caculate and gave me the cash. also, they gave me three receipts, which was {$350.00}, {$880.00}, {$80.00}. when i back to my country, I found that there was a charge in my credit card, which is about $ XXXX {$25.00} ( check fee ). I tried to connect the local agent who helped me, her manager really rude to me, he said I did not pay the {$350.00} to my cash reward card. but I told him I had receipt to prove. he said because my English is bad, they can not understand, and my recepit could not provide anything. and then he hang off the phone and refuse to help me. my friend walk in Boa and talk to them, the manager lies to her, even though I send photo to my friend and show to them. at the end, he said because my English is not good, the agent could not understand and cancel the {$350.00} transaction. but at that time, they said they already helped me to do all of transfer, and gave me the receipts, said all set. the manager was a lier and discrimination to the international student. all of fault is foreign people has a bad English. if he could not understand, why don't he ask me again!? why he let me think he is professional bank agent. also, i took about 10hours to call the boa, always have to wait about 1 hour to get customer service. and now, because I already close my checking account, it is really inconvenient to fix this problem.
Product: Mortgage

Within the past XXXXXXXX XXXX my mortgage has changed from XXXX XXXX to XXXX XXXX as of XX/XX/XXXX, in which XXXX XXXX no longer accepted any payments after XX/XX/XXXX. All of my payments were on time and processed accordingly. I mail all of my mortgage payments, as I do not want an ACH payment. As of XX/XX/XXXX, my mortgage was sold again. This time to Selene Finance. I was notified via mail of the change and then called XXXX XXXX  to confirm this and confirm the new address. I mailed out my payment as I normally do. I received my XX/XX/XXXX statement on XX/XX/XXXX, in which I had already sent my payment in and had {$470.00} in late fees, and a balance of {$4000.00} on this statement. Per my credit union this check was cashed on XX/XX/XXXX and never reflected. I called and requested additional information regarding this balance and have yet to hear anything. Continuing throughout these months, my checks have been cashed up XXXX to XXXX XXXX after being mailed. I have been given late fee after late fee, they have reported XXXXXXXX XXXX XXXX late to the credit bureau. I sent a letter on XX/XX/XXXX requesting more information with an attached spreadsheet of all the payments. On XX/XX/XXXX I received a letter from Selene Finance stating that they received my request and legally need to answer within XXXX XXXX XXXX. It is now XX/XX/XXXX with no response. 
They continuously try to call me up until XXXX and I have requested to have all information sent via mail. They have failed to follow this request. I am unsure of what to do as they still state that I am almost {$4000.00} behind.
Product: Debt collection

Beginning XXXX of XXXX, Midland Credit Management obtained a wage garnishment order for a debt due to them in the sum of a little over {$XXXX}. When I knew this was established, I obtained a loan from my bank for {$XXXX} to offset the large sums of money due to be drafted from my pay and paid the debt directly to Midland Credit Management around the second week of XX/XX/2024. This left a balance of a little over {$XXXX} which I expected to be drafted on my next pay period. Beginning XX/XX/XXXX of XXXX  my check was garnished for about {$XXXX}. This continued for a total of XXXX pay periods ending pay date XX/XX/2024. I repeatedly reached out to Midland Credit Management to discuss the delay in stopping the garnishment and returning the overpayment in excess of over {$XXXX} after the garnishment finally ended. The first payment minus the about {$XXXX} came to my mailing address in the form of a check. I spoke to a representative who advised me some time in XX/XX/2024 that a second check was mailed to my home address. This check was never received. Following numerous follow up calls I was advised all remaining overpayments were issued to my payroll office. I received XXXX returned overpayments only. I followed up repeatedly to find out where the missing payment was and they continued to tell me they are investigating. After numerous attempts and no follow up I went to XXXX. The response provided resembled a standard draft with edits claiming all payments were returned and that only XXXX garnishments were made. I provided pay stub documents to show each garnishment and the total. I also provided the first check stub and pay stubs showing what was returned. I further advised they contact payroll and review their accounts to confirm. Midland is attempting to fraud me out of over {$XXXX} and it is totally wrong. I simply want my money returned and they seem to be working overtime to get over on me and its not right. This company needs to be investigated beyond this as I can only imagine how many other innocent consumers lost a similar battle at the hands of these shady companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX : {$12000.00}XXXX XXXX XXXX  XXXX Balance : {$100.00}
Product: Payday loan, title loan, personal loan, or advance loan

On XXXX the XXXX I made a payment of the full amount on my account, in order to purchase my house I needed a XXXX balance system from them, the app stated that my payment did not go through, so I called the number to make payments, and paid it that way. 
My statement balance ended up coming out of my bank account twice, I have discussed this with synchrony on several different occasions! My original balance was only around {$1100.00}, I was supposed to get sent a check from them to dismiss the other payment they posted to my account, I never received the check, I called back on XX/XX/XXXX to make sure it was taken care of and now I have an outstanding balance of {$2200.00}! I am a mom to XXXX babies under XXXX and I can not afford to pay for their mess!
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a serious matter concerning the inaccurate reporting of charge offs and the unauthorized furnishing of my personal information by TransUnion, XXXX, and XXXX on my credit reports. I believe that their actions are in violation of my rights as outlined in the Fair Credit Reporting Act ( FCRA ), specifically under sections 15 USC 1681i ( 5 ), 15 USC 1681a ( 2 ) ( b ), and 15 USC 1666b. I would like to address the issue of inaccurate charge offs being reported by TransUnion, XXXX, and XXXX. Upon reviewing my credit reports, I have noticed discrepancies in the dates of opening and closing of these accounts. These inaccuracies not only misrepresent my credit history but also have a significant impact on my overall creditworthiness. I believe that this violates my rights under the FCRA, specifically under section 15 USC 1681i ( 5 ), which mandates that consumer reporting agencies must investigate and correct inaccurate information upon receiving a dispute which has not been done for years of disputes. I have reason to believe that TransUnion, XXXX, and XXXX have been reporting this information without my written consent, as required by section 15 USC 1681a ( 2 ) ( b ) of the FCRA. I have never provided explicit authorization for the furnishing of my personal information to these agencies and their actions are in direct violation of my rights.

According to section 15 USC 1666b of the FCRA, any person who willfully fails to comply with any requirement imposed by the FCRA may be subject to civil liability, including actual damages, punitive damages, and attorney 's fees. I kindly request that you investigate this matter thoroughly and hold TransUnion, XXXX, and XXXX accountable for their actions. The violations mentioned above, I kindly request that you take the necessary steps to remove these inaccurate charge offs from my credit reports. I expect that appropriate fines and penalties be imposed upon TransUnion, XXXX, and XXXX for their non-compliance with the FCRA. I look forward to receiving a prompt response and resolution to this dispute. 

Accounts : XXXX XXXX XXXX XXXX Reporting inaccurately- Please Delete XXXX XXXX  Reporting inaccurately no acknowledgment of this account- Please Delete XXXX XXXX  Reporting inaccurately- Please delete XXXX XXXX XXXX XXXXXXXX Reporting inaccurately {$0.00} ( Sold ) still reporting with inaccurate reporting dates and closing date. Please delete XXXXXXXX XXXX XXXX XXXX XXXXXXXX Reporting inaccurately XXXX XXXX  Reporting inaccurately XXXX XXXX XXXX  {$200.00} Reporting inaccurately
Product: Checking or savings account

On XX/XX/23 my account at Found.com was breached without my knowledge, the people who committed the fraud, got into my online back account, all in the same day, they added a new payee to be able to send money in a way that i have never used before with the bank, changed the phone number so that i don't get any alerts, and wiped out all my money in the account, then closed the account. I contacted the bank the very next day and spoke with a female and advised her of what happened, she put the account on hold and sent it to the fraud department. The fraud department doesn't take calls and once its in this department no regular customer service person can help you but they are the only ones you can contact. The bank claims the did an investigation and said since the transactions were originated from my online bank account its nothing they can do. Sd that the code they send out to very actions on the account were verified. as i told them its a new number on the account and no emails were sent to us. I contacted them in enough time that they could have contact the receiving back and asked them to put the funds on hold due to potential fraud, they didn't do anything, i did my own research spoke with the person who stole my money by calling the number they had put on the account, i asked him if he was the one that stole my money, he laughed and said i got you. This bank due to its processed or lack of allowed this fraudster to steel all of my money over XXXX that is for my business. The bank didn't take the steps that any other bank would have, closed the account, give me a new account so that my business can continue to run, provide a provisional credit until the investigation is complete, after weeks of going back and forth with the bank, and i told them how any other bank would have handled this, they finally gave me a new bank account number, but by then i already moved to another bank because my business still needs to operate. I truly believe this was an inside job, because i chose a bank that people doesn't know about, and no-one knows that i bank with this bank. I asked for documentation of who changed the phone number, IP address at time of the transfers and phone number changes, the bank has not provide anything. I dont think this is a real bank because the way they handle this was not bank like.
Product: Credit reporting or other personal consumer reports

I have disputed with this creditor XXXX  department store XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I request bank transactions and proof that I was late with this creditor. The creditor never sent proof that I was late. The creditor has took over 30 days to update my account and pertorm an investigation. 
The creditor has illegally reaged my date late active from XX/XX/XXXX to XX/XX/XXXX Transunion missing date last active and Transunion and XXXX failed to do an update and do a proper investigation.the credit account XX/XX/XXXX even disputes XX/XX/XXXX, XXXX received a update of the creditor with a late payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX did a hard pull on my credit without my consent. I inquired about a loan at a branch, gave all my personal information and asked to have my file sent to an underwriter. But I never agreed to have my credit pulled. No disclosures were given to me and no consent was obtained verbally or in writing. I called XXXX XXXX after a hard credit inquiry appeared on my credit report to have it removed. They were going to speak with the branch banker who had only ever taken one application prior to mine and get back to me. I called three times, spoke to employees in various offices, and a woman promised to get back to me. I told her this was clearly a regulatory violation ( FCRA and Regulation V ), reporting a credit inquiry without having obtained consent or providing disclosures. Please ask XXXX XXXX to remove this incorrect information from my credit report.
Product: Checking or savings account

I opened two CDs with my bank ( WellsFargo ) in XX/XX/XXXX and again in XX/XX/XXXX. Each was for {$5000.00}, and each had a term of six months. When they matured, the bank rolled them over into four-month CDs that pay a much lower interest rate, even though the bank is advertising rates on the six-month CDs that are little different from the ones I secured when I opened the accounts. So, that's a little sleazy. 

But what really galls me is that they made it so hard to get my money out. They gave me a one-week window to close the new account without penalty, but said I had to show up IN PERSON to do so. I would have sent my spouse with a POA letter, but the banker told me that they would only allow POA letters that were previously approved by the bank 's legal department. They thought of everything. 

So now I have {$10000.00} stuck in Wells Fargo. If I withdraw earIy they charge me XXXX of the interest I would have earned, ( as far as I can remember from the call I had with the bank last week ). 

I remember XXXX years ago how much hot water Wells Fargo got into by incentivizing its employees to open unnecessary accounts for customers, who were then stuck paying fees on these accounts. It sounds like the culture of XXXX XXXX  has not changed there! I'm sure I'm not the only one frustrated by these practices ; it's a really big bank. So please, whatever you guys can do to embarrass or litigate them into better behavior, would be much appreciated! 

XXXX
Product: Credit card or prepaid card

The basis for my dispute SYNCB/LOWES XXXX XXXX, SYNCB/LOWES,XXXX {$5800.00} - was required to notify me prior to XX/XX/XXXX, or no later than 30 days after. 

SYNCB/LOWESfailed to notify me about reporting derogatory info. to XXXX, XXXX, and XXXX In section 603 ( p ) 15 U.S.C. ss 168s-2 ( a ) ( 7 ) ( A ) ( I ) ; The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after XX/XX/XXXX, furnishing the negative derogatory information to a consumer reporting agency described in section 603 ( p ), 15 U.S.C. ss 1681s-2 ( a ) ( 7 ) ( B ) ( I ). Plus broke commercial law under UCC 9.501 that all notices were timely and properly given by dated certified mail receipt. They were not met. I asked for documentation & received no response. 


Also, SYNCB/LOWES '' failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of New Jersey allows treble damages. 

Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) SYNCB/LOWES XXXX XXXX failed to send me my initial communication before placing this alleged derogatory status on my credit reports further violating the FCRA, I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well. 

I attached a copy of the law and the actual document from the federal reserve SYNCB/LOWESis held liable as well for defamation and in the state of New Jersey a creditor is who collects their on debt is considered a debt collector under FDCPA. Smith v. Heard 980 S.W.2d693 ( Tex.App-San Antonio 1989 reh.den. ) citing Monroe v. Frank 936 S.W.2d 654 ( Tex.App-Dallas 1996 writ dism 'd w.o.j. )
Product: Checking or savings account

Date of transaction XX/XX/2019 Complaint against USAA Went to get an auto insurance quote. USAA has membership qualifications for military. I went through their qualifications list and was informed I did qualify as a child of a veteran. At no time was there anything that said I was not qualified or would not qualify and I was given a membership number. I had to apply for membership, qualify, fill out all sorts of information, including my social security number and my father 's social security number. After all of this online membership application, plus account set up, I was then redirected to XXXX XXXX car insurance for a quote! The site did not say I wasn't qualified for USAA auto insurance,  just keep redirecting me to the point I thought my browser was hijacked! I called, wasted even more of my time to be asked all sorts of financial and personal information questions and then told " I was not qualified '' for a USAA membership! This is fraud. I am sorry, they get you to sign up, claim you are qualified all to get your contact information and social security number. USAA needs to be stopped. That's just outrageous fraud to obtain someone's social security number plus redirect them to some auto insurance company for assuredly kick back on sales leads.
Product: Money transfer, virtual currency, or money service

I sent a wire transfer of {$3600.00} to a vendor to pay for medication through Chase XXXX Transfer on XXXX, XXXX. The funds were supposed to be available to the account I sent the funds to on XXXX XXXX. Today is XXXX XXXX and the funds are still not available. I have tried to call Chase multiple times to investigate and they have not responded. I have also emailed. I am getting no assistance in locating the funds or the issue.
Product: Debt collection

On my credit report I fought with a company XXXX which put a debt on my credit report through XXXX XXXX XXXX and the debt was deemed not a valid debt through CFPB. The history is on my account and now they just put the debt again through another company called EOS CCA collection for the same thing on my credit report. I just want them to completely remove this from my account because they are hurting my credit and affecting my life for a charge I never made. Please help