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

On XX/XX/XXXX Capitol One without prior notice closed my savings account with all my savings in it in the amount of {$22000.00}, and they have delayed the process of giving me that money, even after several phone calls with manager level representatives. 

I called Capitol One the day the account was closed on XX/XX/XXXX and talked to a manager in the customer service department they told me that they couldn't find a reason why the account was closed, saying that it looks like an email from the office of the president of their company close the account. I told them that I needed access to my money as soon as possible. The representative told me that they could cancel the check and electronically transfer the money. Thinking this would be the fastest way to get my money. I asked them to do this. I gave them my new address because the address they had on file where they sent the check is an old mailing address. 

I followed up on XX/XX/XXXX with another phone call and another manager in their customer representative section. They told me that there was no answer from the president 's office about why my account was closed and that it appears that they were still attempting to cancel the check, the initial time frame I was given of getting my money in a few days was not met and this manager told me that perhaps on XXXX  or XXXX  of the next week on XX/XX/XXXX my money would arrive to my bank account. 

On XX/XX/XXXX I called the bank again after receiving an email from Capital One saying that I had to sign an affidavit and get a notarized, spending my own money, and mail it back to them in order to stop payment on the check and to initiate any transfer my money to me and that this could take up to 95 days. I could not wait 95 days to get this money so I called again and I spoke to another manager. The information about my complaint on this day is below for tracking purposes. That manager attempted to get the money from the original check that was mailed to me and that I had originally been told could be canceled quickly uncancelceled so I could cash the original check sent to me. She told me that she could not find any notes in the system from the president 's office explaining why my account was closed. 

Ticket number : XXXX Badge number : XXXX, name : XXXX XXXX team I have been denied funds for my own bank account for a week now and this is critical because I was told by them originally when this account was closed that I could get it back quickly in a few days. This is not true. They're now attempting to hold my money for 95 days. On top of that, they have not done any due diligence to explain to me why this bank account was closed, which is a complete mystery to me to this day.
Product: Credit reporting, credit repair services, or other personal consumer reports

I inquiring about a bankruptcy that is on my consumer report that I did not authorize to be reported. I have reason to believe and do so believe I am a victim of aggravated identity theft under Title 18 USC 1028A on different occasions as TransUnion and XXXX XXXX has knowingly used without lawful authority a means of my identification in order to compromise my financial reputation. I have requested validation numerous times and have not received any. Notice 15 USC 1611 ( 1 ) Whoever willfully and knowingly gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder shall be fined {$5000.00} or imprisoned not more than one year or both. Such conduct from your company has caused me to suffer severe humiliation and embarrassment, emotional distress and physical discomfort. You have violated 15 USC 1692 ( c ) of the Fair Debt Collection Practices Act by harassing me regarding this. I demand that you cease and desist of this activity as soon as possible with in 7 days of receiving this notice. This includes eliminating this bankruptcy and anything pertain to it from your records, discontinuing and retracting reports you may have that I did not authorize. If action is not taken by you to cease and desist within the allotted time frame I will have no choice but to take legal action against your firm.
Product: Debt collection

Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. 5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX Networks : last XXXX of the account number # XXXX. On XX/XX/XXXX I XXXX XXXX about XXXX am called XXXX bank [ Phone Number XXXX ] talked to customer service representative XXXX XXXX and he advised me there was no account or account number ending in XXXX for the amount of {$3600.00} and a credit limit of {$1700.00}. So i couldnt provide you guys with a complete account number if there isnt an account that exist. XXXX XXXX also stated that everything was be recorded. So you guys will have record of that also. The account was supposedly opened on XX/XX/XXXX. According to XXXX XXXX XXXX ( XXXX ) they are suppose to modify accounts that isn't reporting correctly. XXXX XXXX XXXX section XXXX A. XXXX 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: Debt collection

MY CREDIT REPORT IS SHOWIMG A DEBT UPWARDS OF XXXX on my credit report im in the mist of doing huge things. XXXX is purchasing a house for my family this is holding me back.the information is incorrect
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  for the following accounts : Account # XXXX, Account # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX KY ), Account # XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ), Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

The creditors do not have any written agreement with me. They do not have proof of obligations to pay alleged debt. From my understanding a contract is only binding if there is a contact with both parties wet ink signature mines and XXXX XXXX  Delaware. Well where is the documentation to prove I agreed to pay alledged debt??? Creditor has 30 days to provide full disclosure of the contract, due consideration, lawful terms and conditions and the wet ink signature of both parties or this debt is considered discharged and it must be deleted from my consumer report!
Product: Credit reporting or other personal consumer reports

Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX XXXX with Social Security Number XXXX a resident of XXXXXXXX XXXX XXXX XXXX XXXXXXXX CA XXXXsubmit this affidavit to request a security freeze on my credit report. 
Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : 1. Applicant Identification : Full Name : XXXX XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/year>
Product: Credit card or prepaid card

I 've applied for a JP Morgan card with a banker in a branch, then again via telephone and now am submitting a formal complaint via the CFPB - XXXX has not processed my application and claims that there is no record of my previous applications.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX  ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies Equifax do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX  ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting Services.
Product: Credit reporting, credit repair services, or other personal consumer reports

A credit card account with XXXX XXXX was open without my knowledge I obtained a police report spoke with XXXX XXXX and had the account removed from two of the three credit bureaus I have disputed the charge with Experian and they will not take it off my credit report after several disputes I even sent a police report and an affidavit statement that the charge was not mine and they refused to remove it
Product: Mortgage

Wells Fargo XXXX has a deed of trust recorded against my primary residence at XXXX XXXX XXXX XXXX, XXXX, WA XXXX. It is for a line of credit ( LOC ) with a credit limit of {$64000.00}. 
I have never used this LOC, have never received a statement about it, and have since paid off all other mortgages on this property. I am seeking to get a reconveyance or payoff statement from Wells Fargo so we can open another HELOC with another bank, XXXX XXXX XXXX  in WA State. XXXX XXXX XXXX  will not go in a junior lien position to this existing Wells Fargo LOC. 
We have tried for several weeks to obtain the LOC account number through Wells Fargo at the consumer level, home mortgage level, XXXX loan servicing level, and branch level, with no luck. 
Yesterday I was advised by a Wells Fargo employee to file this complaint as " the only way I have seen people get a response '' to such a request. 
Wells Fargo apparently has no mechanism for obtaining an account number or delivering service to an existing customer, unless that customer already has the account number to share. 
I held off until our local escrow professional contacted Wells Fargo with a signed Authorization to Release Information document from my wife and I, and she met with the same response. She requested I file this complaint as well. 

I will attach the Deed of Trust that was recorded in relation to this LOC. 

***All we need is for Wells Fargo to look up the account and give me the account number. *** We have no record of it otherwise.
Product: Checking or savings account

Hello, I received the below email from BBVA on XX/XX/XXXX : " This might be the easiest {$25.00} you'll ever earn. 
We noticed that you haven't taken advantage of your BBVA Compass checking account of late. Which is a shame because it has great features that can make your financial life easier to manage. You can access your account now with our award-winning Mobile App, online, or by visiting a branch near you. 

Simply bring your checking balance to {$100.00} by XX/XX/XXXX, and, if you still have {$100.00} in your account on XX/XX/XXXX, we'll deposit {$25.00} in your account within 90 days. '' I raised my checking account with them to {$100.00} on XX/XX/XXXX. 

I reached out to them today and they said I do no qualify " REPLY : Dear XXXX XXXX, Thank you for contacting BBVA Compass regarding the status of your Promotional Bonus. 
We would first like to thank you for choosing us as your bank, as we do value your continuing patronage. 
Upon reviewing your account ending in XXXX, we have verified that you do not qualify for the {$25.00} Increase DDA Balance Offer. This is due to you having a Promotional Bonus deposit into your account within the last 12 months of receiving this Offer. Your last Bonus was deposited on XX/XX/XXXX for {$200.00}. As a result, no Promotional Bonus will be provided at this time. '' The rules of the offer at below of the email. 

" There is a maximum of one ( 1 ) bonus per household. This offer is not combinable with any other bonus offer. You must be a BBVA Compass consumer checking primary account holder who received this communication by ( email/mail ) from BBVA Compass. To qualify you can not have received a cash bonus in the past 12 months. The {$25.00} bonus will be deposited to the primary account holder 's checking account within 90 days of meeting the bonus requirements. Account must be open and in good standing with a balance of {$0.00} or more at the time of bonus payment in order to receive the bonus. BBVA Compass may report the value of the bonus to the IRS as required by law. Any client whose tax status would require BBVA Compass to impose tax withholding of any sort will not be eligible for this bonus. '' Per their response my cash bonus for opening the account was provided on XX/XX/XXXX and was targeted per email for this offer and the eligible payout was XX/XX/XXXX which is over 12 months from last bonus date. BBVA should not target people not eligible for bonuses even if doing all of the requirements. 

I've held funds in the account just to satisfy these requirements with BBVA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax gathered my personal information and without my consent stored it on their database which they did not protect sufficiently from hackers. As a result my information was stolen and my identity endangered. Their poor data security has endangered me and millions of others.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Debt Validation Request To whom this may concern, I am writing in response to a debt collection notice I received from your agency regarding the alleged debt you contacted me by email, and identified the debt as XXXX in the amount of {$590.00}. Before I proceed with any further actions, I would like necessary information to be provided to validate the accuracy of this debt. 

As you are aware, according to the Fair Credit Reporting Act 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify within 30 days. Please provide and respond to the requested information below : -Document proving ownership of the debt -Proof of how the company assess the debt and current balance ( Are there any additional interest, fees or charges that may have been added since the last billing statement from the original creditor ) -Payment history from the original creditor & the final payment made on the account -Copy of the original contract bearing my signature of agreement -Chain of title on the debt -Bill of Sale -Have you determined that the debt is within the statute of limitations applicable to it? Please provide the statute of limitations expiration date for this debt.

Please also provide proof that Genesis Credit Management LLC has the right to collect this debt within the state of Washington, I would also like proof of your current insurance bond. 

I am entitled to all information listed above and I request that you cease all collection activities until the debts validity has been verified and the requested information has been provided. 
Please be sure to forward all correspondence and documentation to the address provided above. 
Thank you for your time.
Product: Money transfer, virtual currency, or money service

Venmo does not disclose that payment for goods or services with a credit card is a " cash transfer '' rather than a " credit card purchase ''
Product: Credit card or prepaid card

California XXXX told me they would send me a debit card to withdraw funds from my account. I kept certifying for benefits and the XXXX website indicated that payments were issued but I had not received the debit card and could not access payments. 

I kept repeatedly trying to call XXXX to ask where my debit card was but it was impossible to get through, instead I got a message " Due to unusually high call volume no agents are available, please try your call again later ''. I submitted an online inquiry on XX/XX/XXXX and received a message saying I would receive a response in 5 - 7 days but no response was received in that time frame so I contacted them again onXXXX and received the same message. Eventually I got through on the phone and was informed that Bank of America was in charge of issuing the debit card and that I should contact them. 

I contacted BOFA repeatedly but again I got a message " due to unusually high call volume no agents are available, please try later ''. Eventually I got through and informed the rep that I had not received my debit card. She told me they would send a replacement card which I received about 1 week later but {$16000.00} of the funds that were supposed to have been issued to me were missing. Again I called BOFA and spoke to a rep who told me that someone had withdrawn {$8000.00} then {$8500.00} on the same day. I erxplained it was not me and that I had never received the card and nor did I even know that it was BOFA that issued the card, I thought it came from XXXX. The rep told me I had to talk to a Supervisor. I was transferred to a Voice Mail that was full and then spent over 40 hours on the phone trying to resolve the matter. On XX/XX/XXXX I received a letter from BOFA saying my claim had been closed due to fraud which is correct but it was not me who committed fraud or recklessly and negligently released {$16000.00} on the same day. I again contacted BOFA and was eventually told by a Supervisor that they had to confirm my identity and would then issue a refund. He made an appointment for me to show my ID at a local BOFA at XXXX XXXX XXXX. I arrived for my appointment on XX/XX/XXXX at XXXX, presented my ID but the claims department did not want to speak to the branch or confirm my identity. I wasted a trip and an hour of my time. I continued making calls trying to resolve but got nowhere and eventually received a letter dated XX/XX/XXXX saying the original decision was correct and the dispute closed. This was in direct contradiction to what I had been told and is in violation of BOFA 's own written policy and relevant laws.I am attaching copies of my email communication with XXXX, the banks written policy, a photo of me at the bank with my ID letters from BOFA closing my claim.I made XXXX last call and as per BOFA 's attached XX/XX/XXXX letter I requested copies of the documents that were relied on in making their decision but nothing was received.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spoken with capital one about several inquiries that have shown up on my credit report and they have failed to contact me back with this issue. Its been an ongoing issue for about 5 months. 

Inquiry - XX/XX/XXXX - Capital Auto Finance Inquiry - XX/XX/XXXX - Capital Auto Finance Capital one has never been given permission to run my credit. I am asking for these 2 inquiries to be deleted.