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

On XX/XX/2020, after 9 months of waiting, SBA approved my EIDL loan as an XXXX XXXX ( SBA EIDL Loan Agreement # XXXX ). The application process itself was strict as they were verifying my whole background ( e.g. tax returns, XXXX schedule C, etc ). 

I was approved on XX/XX/2020 and funded on XX/XX/2020 on my checking account at CapitalOne. On XX/XX/2020, just two days after receiving the deposit, CapitalOne decided to freeze my account. I received an email from them stating : [ XXXX, We noticed unusual activity on your account ending in XXXX. For your protection, were restricting your Capital One Bank account ( s ) until we verify some recent activity. A restricted account may prevent you from withdrawing money or completing pending transactions, though you can still deposit money. 

Please call us at XXXX as soon as possible so we can verify this recent activity. We're available Monday through Friday, XXXX XXXX to XXXX XXXX and Saturday XXXX XXXX  to XXXX XXXX 

We used info from a credit-reporting agency that - in whole or in part - influenced our decision. The consumer-reporting agency didn't make our decision. For questions about your credit report or supporting info, contact the agency directly at : XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX XXXX XXXX ] I immediately called and spoke with a rep who was rude and treated me like a criminal. I felt like a criminal being investigated for a crime I didn't do. She said that they need to verify the deposit. I asked WHY when SBA already vetted and approved my loan and that process was 9 months long with every single documentation proving that I am eligible. I also offered to send her all my documentation but she didn't care. She simply said that my case will be assigned to an investigator, the account will be frozen and the money on hold until they make a decision. This is simply against the law as a bank can't hold my money for no reason, I am already paying interest on the money and if there was a problem, they shouldn't of let the deposit go through in the first place. 

I have emailed the bank with my documentation, proving that I am INDEED an XXXX XXXX along with the SBA loan documentation. I am also filing a complaint with my state attorney general. 

Thank you for your time and please let me know if there's anything you need from me. I am available anytime on my email XXXX or by phone at XXXX. I ask for genuine help. 

Sincerely, XXXX
Product: Checking or savings account

I have Business, Platinum Checking account with Wells Fargo bank, On XXXX2020 there was a withdrawal for an amount of {$43000.00}, it says Recover For Claim XXXX. Now for the past 20 days my account shows negative balance, my checks have been returned even though I had money in my account. 
I have contacted several Wells Fargo bank officials in different states, local banks etc. None of them know why the money was taken out of my account and who did it. I have incurred several losses including, monetary, credibility in my business circle etc. I have not written any check, or authorized any one in any way for this transaction. 
I would greatly appreciate your assistance in this. 
Name of the account ; XXXX XXXX XXXX XXXX My account number XXXX MY BANK ADDRESS AND CONTACT DETAILS WELLS FARGO BANK XXXX XXXX Service Manager XXXX XXXX XXXX XXXX Wells Fargo Bank XXXX XXXX XXXX XXXX | XXXX, TX XXXX XXXX XXXX Tel XXXX XXXX Fax XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act USBK COURT XXXX FLORIDA 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: Debt collection

I reached out to XXXX XXXX XX/XX/2022, about the {$87.00} that is supposedly owed that i was unaware about for the longest. I told the agents that I had moved by the time that bill came around which the agent told me it was a XX/XX/XXXX bill, when i moved out of my apartment complex in XX/XX/XXXX. I also told the agent that when coming to the company, i had already told another agent that the contract should only be the length of my lease because i would be moving after that. They continued to still charge me although i was no longer in the apartment.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below were reported on my credit report in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Vehicle loan or lease

Markup massive charges for {$2000.00} on window etching. They claimed I must to purchase with it for every new car. Upon checked with local dealership, They charge mostly up to {$200.00} for material and labor cost.
Window etching is an anti theft vehicle protection benefit that is sold as a theft deterrent.
Product: Debt collection

I am writing to formally file a complaint regarding repeated harassing calls from Atlas credit co These actions violate the Fair Debt Collection Practices Act ( FDCPA ), specifically under 15 U.S.C.

8 1692d, which prohibits harassment or abuse by debt collectors. 
The creditor Atlas credit co. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has been making excessive calls, despite my request for them to stop. 
This behavior is causing undue stress and violates my rights under federal law. 
I have kept detailed records of all communications, including call logs and any written correspondence. I request that the CFPB investigate this matter and take appropriate action to ensure compliance with the FDCPA Thank you for your assistance.
Product: Debt collection

On XX/XX/XXXX, I received an email from Halstead Financial Services stating I owed money to XXXX. I submitted an inquiry to Halstead without a response. I also contacted XXXX and they couldn't verify me as a customer. I am providing screen shots of the email from Halstead Financial.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX Discover Financial Services, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am writing to dispute a debt that your agency is attempting to collect on behalf of Discover Financial Services , Inc. I am requesting validation of the debt as allowed under the Fair Debt Collection Practices Act ( FDCPA ).

The details of the debt, as provided to me by your agency, are as follows : Original Creditor : Discover Financial Services, Inc Account Number : N/A Amount : {$5800.00} Date of Debt : XXXX I am requesting that your agency provide me with the following information : 1. Verification of the debt, including the original creditor 's name and address. 
2. Verification of the amount owed, including an itemized breakdown of any fees or charges.

3. Proof that the statute of limitations on this debt has not expired.

4. Proof that your agency is licensed to collect debts in my state. Please provide proof of ownership of the debt.

5.Proof of authority to collect this debt in the state of Florida.

6.Please produce a copy of your insurance in bond in the state of Florida.

7.Please provide proof of how your company assess this debt. 

8.Please provide credit history.

9.Proof of the original contract bearing my signature.

10.Please provide chain of title.

11.Does this company own the debt or is it a signed contract.

12.Please provide all letter correspondence sent to me regarding this debt.

13.Please provide last payment date on this debt.

I am also requesting that all collection activities be ceased until the debt has been validated. 

Please provide this information to me in writing within 30 days of receiving this letter. Failure to comply with this request may result in legal action being taken against your agency. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Mortgage

Divorced and now ex spouse lawyer is trying to strong arm me into giving me 12 months credit history of my va mortgage to ex spouse mortgage company through the court. I believe this is a violation but can not seem to find law on this. Through court ex spouse has to obtain a new mortgage. Do I have to provide my credit history to her new mortgage company. ( Movement mortgage ) it has been over a year that she had to obtain a mortgage. What can I do or please point me in the right direction.
Product: Debt collection

Debit Recovery Solutions, LLC keep sending me letters, saying I owe them money for ( XXXX ) I do not owe them anything, and do n't even know who they are! Oh, and they ca n't provide me with any information I request and then hang up!! They are trying to scam me and other people, making them believe they owe money!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting countless CFPB complaints and FTC dispute letters to you to request that you remove the fraudulent accounts and information from my Credit File as soon as possible. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of accounts and information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with XXXX XXXX # XXXX, # XXXX, and # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. I need you to remove the follwing fraud accounts and information from my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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. Also, you have been failing to send me copies of proof of verification from your investigation and yet you continued to report these items as if verified. This is a clear violation of my consumer rights under the FCRA. I need you to remove the disputed accounts and information as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to dispute several collection accounts on my Experian, XXXX and XXXX credit reports that I believe to be fraudulent. I am a victim of identity theft and did not open or authorize any of these accounts. 

The following accounts are fraudulent : Experian : Account Number : XXXX Creditor : XXXX XXXX Date opened : XX/XX/XXXX Account Number : XXXX Creditor : XXXX XXXX Date opened : XX/XX/XXXX Account Number : XXXX Creditor : XXXX XXXX XXXX ( Original Creditor : XXXX ) Date opened : XX/XX/XXXX XXXX : Account Number : XXXX Creditor : XXXX XXXX Date opened : XX/XX/XXXX Account Number : XXXX Creditor : XXXX XXXX Date opened : XX/XX/XXXX Account Number : XXXX Creditor : XXXX XXXX XXXX ( Original Creditor : XXXX ) Date opened : XX/XX/XXXX XXXX : Account Number : XXXX Creditor : XXXX XXXX Date opened : XX/XX/XXXX Account Number : XXXX Creditor : XXXX XXXX Date opened : XX/XX/XXXX I believe that these accounts were opened without my knowledge or consent while I was out of the country. I was not present in the United States during the time these accounts were opened, and I have not used the services of these creditors. 

As a victim of identity theft, I request that these accounts be removed from my credit reports immediately. I have taken steps to address this issue, including contacting the appropriate authorities and notifying my financial institutions. 

I appreciate your attention to this matter and look forward to a prompt resolution. 

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

This XXXX  entity was contacted by my lawyer. The dispute letter in addition to my previous letters has been recklessly disregarded. The credit reporting companies are farudulent and bogus, these three corrupt companies-XXXX, Equifax and XXXX ruined my credit scores based upon false misinformation provided by the creditor banksXXXX XXXX XXXX. and XXXX XXXX XXXXXXXX. Please see attached letters.
Product: Credit reporting

My equity line from XXXX XXXX ending in XXXX was reported XXXX X late when it was paid and posted within XXXX days. The XXXX reporting showed a statement that it was due on the XXXX of the month. Payment was made on the XXXX day. I have written all XXXX credit bureaus more than XXXX times for the same reason furnished statements and today even talked again with a " XXXX to the President '' person who called me after complaining about the bank on this site. The banker informed me today that indeed XXXX of those payments was received on the XXXX and processed on the XXXX so they were going to correct that reporting. However the same representative indicated that the payment had to post or be received on the XXXX not to be XXXX days late. That same banker also indicated that the statement which I will attach has no meaning even if it indeed says payment was due on the XXXX of the month.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is destroying my credit score by reporting my lease as late to XXXX XXXX and Trans union. I made arrangements in XXXX with XXXX to extend the lease the lease terms due to Covid related financial hardships. XXXX assured me no negative credit reporting would happen during our length of our agreement. would not be Not only has XXXX been reporting my account negative but they've also been assesing {$35.00} a month in late fees. I've contacted XXXX XXXX customer assistance department and their executive office demanding they remove the erroneous reporting. I have been unable to dispute these reports since the credit reporting agencies do not allow more then 1 complaint against the same company, causing further damage to my credit score. I spoke to XXXX on following dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and again today XX/XX/XXXX. I was told yet again today that they have made a mistake but that only the president 's office can remove the negative reporting and that could take up to 90 days, if they actually do it. I want this removed from my credit report immediately.
Product: Credit card or prepaid card

Sent in a payment coupon to company in XX/XX/2022. Company did not apply my payment and closed my account without giving reason or notice. 

Pursuant to 15 USC 1692c. ( c ) I am notifying you in writing that I refuse to pay this alleged debt that I already paid and you refused to accept, and I am demanding that you cease all forms of communication with me through any and all mediums unless it pertains to my remedy in writing via mail. Pursuant to 15 USC 1692c. ( c ) ( 2 ) - I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : Deletion from all consumer reports. Return requested documents so I can properly assess the validity of any debt Cease and rescind use of my intellectual property, my signature stating I agreed to close such account or was giving notice to close such account. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A Capital One auto loan was closed & paid in full on XX/XX/2019 when I traded my old car in & financed my current vehicle. Capital One updated the loan status to the three credit bureaus in XX/XX/2019. The loan is still showing open & delinquent with a balance on my XXXX  report & showing closed delinquent with a 0 balance on myXXXX  report. As a result the errors have dramatically affected my overall credit scores as well as XXXX  scores related to auto financing. I have disputed the errors & requested updates from both XXXX XXXX XXXX but nothing has changed or been removed. The errors on the XXXX  report have been particularly damaging because I am not able to qualify for a lower rate loan for a new car or refinance my existing car loan. XXXX  blamed it on the lender for failing to transmit the updated info in XX/XX/2019, but I find that hard to believe since XXXX  correctly updated the information & XXXX  updated most of the information correctly ( with the exception of status being delinquent instead of current ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FAIR CREDIT REPORTING ACT, this account below has violated my Federal Protected Consumer Rights to privacy and confidentiality under 15 U.S.C. 1681.

15 U.S.C 1681 section 602A states I have the Right To Privacy.

15 U.S.C. 1681 section 604A Section 2 : IT also states a Consumer Reporting Agency can not furnish an account WITHOUT WRITTEN INSTRUCTIONS.

15 U.S. Code 1681a ( 2 ) ( A ) ( i ) : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

15 U.S.C. 1681c ( a ) ( 5 ) : states no Consumer Reporting Agency may make any Consumer Report containing any of the following items of information, or any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

Under 15 U.S. Code 1681e ( b ) ( b ) ACCURACY OF REPORT, Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. 

XXXX XXXX Acct # XXXX XXXX XXXX XXXX  Acct # XXXX I've sent off letters the beginning of this month and no change was done past the 15 day reinvestigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  is reporting a Chapter XXXX Bankruptcy on to all 3 credit bureaus although I submitted to them a letter from Georgia 's Bankruptcy Clerk of Court to them on XX/XX/XXXX stating that I do not have bankruptcy in my name. I have spoken to XXXX XXXX on XX/XX/XXXX at which time the representative was unable to verify their records because they started the dispute and by XX/XX/XXXX they XXXX XXXX was still trying to verify the bankruptcy. According to her it takes up to 30 for their investigation to be complete which gives them up to XX/XX/XXXX to be complete. However on XX/XX/XXXX XXXX XXXX verified this account with XXXX  Credit Bureau although they were not able to provide me with verification. This is a violation of FCRA Section 609.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent inquiry and public record listed below which all resulted from the Reported Incident of Identity Theft. 


FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/2019 ( Reported Identity Theft ) THE UNVERIFIED AND INCORRECT PUBLIC RECORD ITEMS BELOW SHOULD BE DELETED : 1. Bankruptcy : Discharged XXXX. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/2019. 

2. Bankruptcy XXXX XXXX-Discharged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/2019.
Product: Credit reporting or other personal consumer reports

I didn't authorize a XXXX  card service. It charge for {$1200.00} and was opened on XX/XX/2018 I didn't authorize. Remove it from my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

This Account Does not belongs to me This is Incorrect Information this is a fraud account
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent out letters to Equifax and XXXX XX/XX/21 and XX/XX/21 disputing inaccuracy for addresses and employers.. This is fraudulent information. The listed addresses and employers are not mine and requesting to have them removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform you again that I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX