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

Prior to XX/XX/year> I am unsure of the dates, but I contacted cash app because I was trying to pay my partners son an allowance through cash app and it was denied. He tried requesting the money, it was denied. We tried this several times over a few days, but got nowhere. I contacted cash app and theyd close representative told me it was for the other parties safety and they could not discuss other account information without permission. Myself, my partner, and my partners son contacted cash app all together and we were told they could only access one account per phone call, all we could be told was it was for my safety and the sons safety that the transaction had been declined, and we could only speak with a supervisor via email. We also attempted to give permission from all three of us for the transaction to be placed, but we were told that I would never ever, in either of our lifetimes, ever be able to get me funds or receive funds from each other. I then sent a couple emails back and forth with a supervisor and requested to know which policy or procedure or even where I agreed to an agreement which would reciprocate this transaction to be declined. I kept being told that it was for my safety and the sons safety and they could not provide any other information. I contacted the XXXX  to try to get somewhere with this and was contacted again by a supervisor, who told me the same thing ; it was for our safety and to basically not contact them again about this issue, but if I had any other concerns, I could reach out. At this time I decided it was in my best interest to close my cash app account. I went through the app and even tried on my laptop and when I went to close my account, it showed me instructions on how to close my account, and when I followed these instructions it only sent me to a link with the same instructions to close my account, there was no option to actually close the account. Just the circle that brought me to instructions. I emailed the supervisor about this issue, who sent me the same instructions that didnt work to close the account. I explained this twice to them before they stated they could close my account for me if I provided my information to them. I provided my information to them and just received another email from them telling me my information doesnt match their records, therefore, they cant close my account. Im constantly getting the run around with them and they shouldnt have had the right to deny my transfer of funds, and without reason. Nor should they have the right to refuse me to close my account. I did just send them screenshots of my account from my account to prove to them the information I provided was indeed correct, but now they are requesting for information that doesnt even exist and refusing to close my account.
Product: Debt collection

I opened an account with Nordstrom in the fall of XX/XX/2019. I've used the card and made payments. I lost my card and ordered a replacement card, and that card number I stored in my phone with other logins etc. That phone was compromised and several accounts were used without my authorization. I filed a police report and identity theft claim with the FTC. The account was removed from my credit report but later added back. I don't wish to go back and fourth trying to dispute the debt, I'd rather take full ownership of the fraudulent purchases and pay the card off in full. Its now in a charged off state wit several late payments and is drastically affecting my credit report. I want to make an arrange to settle the debt it full.
Product: Credit card or prepaid card

This complaint is for every consumer who has had heartache in dealing with Capital One card services. Also for any attorney that is willing to take on Capital One as I am searching for legal help. Capital One has not only discriminated against me, but also retaliated against me. The CFPB has not helped me here, but feel free to reach out to me at XXXX with your Capital One stories. Capital One closed a well established Kohls credit card that was XXXX years old due to inactivity. They know what the 10 or more point drop does to our scores. No notice which all other cards lets you know to use them or loose them. They kept the card at {$300.00} limit & would not increase it for 6 years! Capital One knows keeping it low means if I spent {$150.00} that is a 50 % credit utilization and impacts our scores in a quick and negative way. I sent a goodwill letter of intent to Capital One after missing 1 payment. At the time I forgot as I was undergoing an operation at a XXXX treatment facility. Not only would they not forgive it they purposefully did not remove it from my boyfriends credit report for months later damaging his credit score too! To boot they never increased the limit from a meager {$1000.00} knowing how credit utilization will quickly impact our credit scores! When I went to the CFPB Capital One seemed embolden to do more damage. I warned the CFPB Capital One will retaliate & they did. They closed a good standing recently used sister card the Walmart credit card. They damaged my score again & my boyfriends as he was an authorized user too! They denied a credit increase due to not being used enough & when used they then flagged the account humiliating me while out to dine. Then a customer service rep who could not even articulate she understood the reason for my phone call required me to give XXXX my sensitive info like my drivers license! Like I would give Capital One whose recent hack was by a software engineer who stole information relating to millions of customers! Regulators say the bank should have had better protections. What does the CFPB have to say? This is suppose to be a consumer protection entity NOT a corporation protection entity! They retaliated against me & I have the proof all documented through the CFPB here, see for yourself the past complaints & lame responses!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX TXXXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX : {$0.00} XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : $ XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

XX/XX/2018 at XXXX am XXXX. I received a call from XXXX XXXX that stated he was calling from the pre legal department of XXXX XXXX. XXXX XXXX left me a voice mail requesting to speak with me by first and last name about my file with the company and provided a file number XXXX at phone number XXXX ext. XXXX. I returned the call and XXXX XXXX answered and I identified myself by first and last name and stated that I was returning the call for the message left on my voicemail. At that moment the phone disconnected. I called back and identified myself again by first and last name, stated that the line was disconnected, and stated that I was calling to inquire about the nature of my business with their company. XXXX XXXX was rude and abrasive stated to me that he was going to drop leading proceedings against me and that he has been doing what he has been doing for 31 years. I provided XXXX XXXX the file number and he then stated the name of the party he was trying to reach. I told XXXX XXXX that I am not the person he is trying to reach. XXXX XXXX began talking over me the remainder of call including giving out another person 's social security number. I informed XXXX XXXX that he gave me someone else 's social security number and XXXX XXXX disconnected the call. I called XXXX XXXX again and as soon as he answered I informed him this was not the person he was trying to reach he began talking over me again.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize the credit inquiries below. 

XXXX XXXX XXXX Location XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX Inquiry Type Individual Requested On XX/XX/XXXX Phone ( XXXX ) XXXX XXXX  Inquired onXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX DE, XXXX Credit card with 0 Months repayment terms. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Product: Debt collection

A debt collection agency by the name of PORTFOLIO RECOVERY XXXX has been reporting inaccurate as well as fraudulent information about me to CRAs. I resided in XXXX now XXXX  and they are not licensed to operate in either state. After initial contact to dispute and rectify their mistakes, they went about reporting new negative information that resides far from the truth and as a result my credit report went down XXXX in XXXX day across the board of CRAs. This is abusive and infringes on my rights and I would like this to be rectified ASAP.
Product: Credit card

capital one credit card division has an inside credit card scam going on and they know it.imposters using burn phone to order and send cards to your home only to devert them at the last minute to other package carrier locations for pickup, looks legitimate and they send the dogs after you to pay up.its a long story that started in XX/XX/2016 and i just busted their whole operation.
Product: Debt collection

I had received a phone call from my bank that they are going to close my line of credit because of my credit score has changed and I asked them it must be a mistake and they give me few weeks to take care of the problem. I immediately purchased a copy of my credit report from XXXX where I noticed my credit score has dropped down by XXXX points due to a collection account from a company called convergent outsourcing for an unpaid XXXX account that is not mine. earlier today I spoke to XXXX which was not cooperative to remove this account from my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Collection Agency Name : XXXX XXXX ( XXXX  XXXX ) Address : XXXX XXXX XXXX XXXX XXXX, XXXX, KS XXXX Collection Agency Name : XXXX XXXX ( XXXX XXXX XXXX  ) Address : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  Collection Agency Name : XXXX XXXX  Account Number : XXXX Collection Agency Name : XXXX XXXX XXXX Account Number : XXXX XX/XX/XXXX Account Name : XXXX  XXXX, Account Number : XXXX, In accordance with 15 USC 1692g, I, XXXX XXXX, a consumer, am notifying you that I dispute this alleged debt. I ASK THAT YOU SEND ME VERIFICATION OF THIS ALLEGED DEBT. PROOF THAT THIS ALLEGED DEBT BELONGS TO ME, A FORMAL DECLARATION IN WHICH YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE, AND MUST BE NOTARIZED, ARE REQUIRED FOR VERIFICATION. The Fair Debt Collection Practices Act requires you to stop collecting on this purported debt since it is being disputed, and this includes reporting to XXXX, TransUnion, and XXXX about it. I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies. You are in non-compliance with the Privacy of Consumer Financial Information Rule of the Gramm Leach Bliley Act for sharing my nonpublic personal information to nonaffiliated third parties and not providing me a notice that complies with section 6803 and giving me the opportunity to opt out pursuant to 15 USC 6802. I request that you provide me the " Aggravated Value of Purchase '' document, which details the price you paid for this loan. ANY ATTEMPT BY YOU TO COLLECT MORE THAN WHAT YOU PAID FOR THIS DEBT IS A MATERIAL MISREPRESENTATION, FRAUD ON THE COURT, AND FALSE & MISLEADING. A WARNING IS BELOW! YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF YOU DO NOT CEASE ALL COLLECTION ACTIVITIES AND REQUEST FOR THIS ACCOUNT TO BE DELETED FROM MY CONSUMER REPORT, I WILL COMMENCE A CIVIL ACTION AGAINST YOUR COMPANY, IN THE UNITED STATES DISTRICT COURT. Please be advised that if you fail to respond to this dispute within 30 days, I will be forced to escalate this matter and take appropriate legal action. I also reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) if you do not comply with my request. Sincerely, XXXX XXXX
Product: Debt collection

In XX/XX/XXXX, Fein, Such and Crane, LLP began a Foreclosure on my property for XXXX. Records obtained from XXXX indicated that the loan was signed off on in XX/XX/XXXX. I believe that false documents are being used in court. I think that I am the victim of foreclosure fraud and robo-signing. Most court documents include sensitive information that has been blanked out. Fein, Such and Crane have been accused of committing foreclosure fraud and robo-signing documents. Fein, Such and Crane and XXXX have refused to validate my debt. Fein, Such and Crane, LLP has recently changed their name to XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXXXXXX US DEPT ED XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Checking or savings account

XX/XX/2024 - I find out that bank transfer from XXXX saving account to my brokerage account ( XXXX ) was rejected. I had set up the bank transfer to pay for mutual fund purchase at XXXX. XXXX sells my holdings to pay for the purchase. In addition to my shares getting sold when I didn't intend to, I incur {$2500.00} in tax liability XX/XX/2024 - I contacted XXXX XXXX XXXX XXXX and find out that they had frozen my account during the above time period which resulted in bank transfer getting rejected. XXXX DID NOT communicate the account freeze over email or phone. 

Bank did not meet the communication requirement required by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/20 I went to purchase a car at XXXX XXXX in XXXX XXXX, Fl. Upon running my credit report with XXXX and they came back with a XXXX XXXX of XXXX. Yet my score with XXXX was XXXX on XX/XX/20 and changed to XXXX on XX/XX/20, day after purchase of car. 

The difference between their XXXX and XXXX 's XXXX is over XXXX points. This caused me to pay a much higher interest rate. The XXXX XXXXr did something wrong or something funny went on. 

Pleas let me know if you can help me recoup the difference I have been paying in interest.
Product: Prepaid card

I received at {$200.00} gift card, issued by US Bank ( XXXX  ) some time ago. On Sunday, XX/XX/year>, I attempted to use it at XXXX, and it was declined. I called the number on the back of the card ( XXXX ) and was told that my current balance was in fact {$200.00}. Today, ( XX/XX/year> ), I tried to use the card on XXXX again, given that they had confirmed by balance, but it was rejected again. I called the company and was told that the card was locked because of a fraud risk and I could go to their website, enter some info and they would send me a new card. When I tried to do this, the website gave an error, and told me to call to the same phone number. When I did that, I was told that i must have entered info incorrectly ( i didn't ), but could fax my personal info to them. I don't have access to a fax machine, so they want me to mail my personal information, including ID, to a XXXX XXXX XXXX XXXX. This feels insecure and unsafe, like they're trying very hard to keep my {$200.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I dispute that the last day of activity for XXXX XXXX XXXX account is incorrect on my credit report.
Product: Credit reporting or other personal consumer reports

In XX/XX/year> I noticed an unknown creditor on my credit report. I contacted the creditor that notified me that they were a collections agency. They asked me what was the name of the original creditor on the credit report. I stated that the original creditor has the name of the collection agency listed and I have never heard of them and if they could send me some kind of verification so that I can validate the account. After giving my name date of birth, account balance listed on the credit report, and other verifying information they refused to provide me any information on the account and told me that since it was on my credit report it was my responsibility to verify if the information is correct and if the creditor refuses to provide the information that it was my problem to deal with and then the agent hung up the phone. I called again and received the same treatment just because the original creditor is not listed on the credit report and the credit reporting agency has the collections company listed as the original creditor. I have never heard of this creditor, I have never had an account with this creditor, and although the creditor is reporting information on my credit report they refuse to give me any information on the account, and I believe the account is fraudulent.
Product: Checking or savings account

Im trying too close my account because I cant even use my money at the bank chase is lousy my money in mine and Im entitled too it, please can you close my checking. Account and make sure I receive my funds please
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights. 

15 U.S.C 166B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason 15 U.S.C 1681 section 602 A I Have the right to privacy.
Product: Checking or savings account

I have contacted Capital One in writing on 5 occasions over the past few months, requesting a copy of a letter or statement showing that my account ending in XXXX has a XXXX balance. They have refused to respond. I need the document now.
Product: Debt collection

As of XXXX XXXX, 2017, XXXX XXXX XXXX are threating to garnish my income taxes. They claim I owe them {$4300.00}. This company has no proof that I owe them. They are sending falsified court documents that are not legally notarized. I do believe that this is a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; CHILD SUPPORT XXXX XXXX Balance Owed : {$14000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$1600.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Balance Owed : {$420.00} ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Bank account or service

Key Bank approximately two years ago while setting up a refinancing of my mortgage suggested I open a checking account with points to get benefits from moving my money from other banks to Key Bank. Currently it was brought to my attention by my Key Bank branch that I am not collecting reward points from my checking account. I asked my branch to look in to this. They suggested going back to the original location that I set up my refinancing and my checking account ( XXXX XXXX in XXXX NY ) I spoke with XXXX XXXX XXXX Vice President of the branch. He said he would look in to it. Now several weeks later and XXXX voicemails later and also a call in which XXXX said he will get back to me in 1 hour never happened and no resolution has been made. I would like a dollar amount total of money I moved through my account and the equivalent of the point value added to my account.