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

RE : Capital One breached our contract by refusing to replace my Capital one credit card, which was compromised as a result of fraud.

In XX/XX/XXXX I was rushed to the Hospital due to a life threatening illness. My XXXX XXXX XXXX and I was XXXX   XXXX. I was in the hospital for nearly 3 weeks, released but had to be rushed back less than 2 days later.

While I was in the Hospital, it seems my Capital One credit card was stolen and used between XX/XX/XXXX and XX/XX/XXXX. I was in NO CONDITION to be aware of this. My focus was to stay alive and a majority of the time I was no XXXX, due to all the XXXX.

My Capital One card clearly showed unusual activity compared to my typical useage. Capital Ones security which they advertise as the best in the business. Did not recognize all the unusual activity. But any person looking at the activity from XX/XX/XXXX -XX/XX/XXXX can clearly notice the spending pattern and payment pattern changes.

OnXX/XX/XXXX, as a direct result of the fraudulent activity Capital One closed my account permanently. All they state is a letter the was sent to me. If that letter was sent there it is very likely I did not receive it since I was in the Hospital and then in XXXX  for 6 weeks which ran throughXX/XX/XXXX.

In your correspondence, you also mentioned that you requested a replacement card. Our records show that your account was closed on XX/XX/XXXX, and we sent you a letter notifying you of the account closure. Additionally, we do not have any record of returned mail. Because your account is already closed, a replacement card will not be issued. Ive confirmed that this closure is permanent.

The above correspondence proves Capital One closed my account due to fraudulent activity and this directly contradicts our contract. I requested a replacement card per our contract and Capital One deliberately broke our contract by denying my request.There is nothing in our contract which state Capital One can or will permanently close my account due to fraudulent activity which I am not responsible for. Capital One admits the fraudulent activity which prompted the closure of my account was NOT my fault.

As a result I have no obligation to pay any balance remaining on the card which I believe to be around {$400.00} Please note, your account was closed because the returned payment activity on the account was not consistent with our expectations for account usage and not in line with the terms of the Capital One Customer Agreement. Our records indicate the following payments had been returned XX/XX/XXXX {$480.00} XX/XX/XXXX {$370.00} XX/XX/XXXX {$780.00} XX/XX/XXXX {$190.00} In Capital Ones response Dated XX/XX/XXXX, they admit The fraudulent payments on XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX &XX/XX/XXXXare the reasons for permanently closing my account.

They also refer to other payments on XX/XX/XXXX, which if I am correct was also flagged as fraud in a previous complaint.
Product: Mortgage

I contacted New REZ, regarding removal of my private mortgage insurance PMI in XX/XX/XXXX I was told since I was delinquent due to Covid relief I was not eligible which is unacceptable because during the pandemic a lot of people including myself were unable to make payments due to the pandemic. I since have made payments on time and Im well under the 80 % loan to value they are knowingly still making me pay PMI even though they know full well that my loan to value as well below 80 % and by law it should automatically be removed Ive been in this mortgage since XX/XX/XXXX its a conventional loan I believe through XXXX XXXX or XXXX XXXX which by law the lender is automatically supposed to remove PMI when it reaches a loan to value below 78 % When I call New REZ Im being told XXXX different answers by XXXX different people and theyre making me jump through hoops I have since made my payments on time its a conventional loan Ive remodeled my house and I have way more than 20 % loan to value and I should not be paying {$260.00} a month in PMI
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am worn out of sending dispute letters to Experian requesting that they correct this mistaken account being stated on my Credit File because they have been doing nothing! This complaint is to follow up on my prior protests and letters I submitted on XX/XX/2022, and to notify them that I am halfway to taking lawful action and litigating Experian for their headstrong nonfulfillment of the FCRA statute. Only if they took time to update and correct the account on my Credit report, then I may halt filing proceedings against Credit reporting agencies. The account that should be adjusted is :
Product: Vehicle loan or lease

Per letter of XX/XX/2020 to CFPB, Nissan Motor confirms that my husband 's bankruptcy was in fact correct. They have removed the trade line for him from all credit reporting entities. 

As our attorney confirmed today, same should be done to my credit report, this is NOT a charge off as being reported and Nissan continues to report late pays. The trade line should be removed as was done for my husband. The debt is one in the same! 

Prior to having our attorney file a complaint against Nissan Motor and  moving with litigation, I ask that it be removed from credit history as was done with my husband.
Product: Debt collection

In XX/XX/year>, Zions Debt Holdings began reporting a debt to the credit bureaus under account number XXXX XXXX XXXX XXXX XXXX. I have disputed the accuracy of this account multiple times through TransUnion and requested full validation under my rights granted by the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

To date, Zions has never provided any documentation to validate the debtno signed agreement, no itemization, and no proof of ownership. Instead of responding properly, they continue to update the tradeline with changes to the date updated field, which appears to be an intentional effort to mislead the credit reporting system and improperly re-age the debt.

This is a systemic violation of my rights, and I believe they are abusing the reporting process to harm my credit and avoid proper verification.
Product: Credit reporting or other personal consumer reports

For over twenty four months i have been disputing the completeness and accuracy of the accounts listed below which is inaccurately reporting on my credit file in a very negative manner.

Yet the CRA 1. fail to provide information requested, 2. failed to correct, 3. and failed to delete and remove the disputed accounts.

Instead they sent me notices of deletions, yet the account and inaccuracies remain on credit report ( see the attached exhibit ) they change the name of the Bank as well as other information. 

For example : XXXX report # XXXX shows XXXX XXXX XXXX then XXXX XXXX in other instances. 
XXXX  report # XXXX shows the item deleted 6 times yet it still remains on my credit file with a different name same account number. see the attached XXXX report showing the above deletion XXXX different times Deletion dates per XXXX file : for the same account XX/XX/year> see file attached XX/XX/year> see file attached XX/XX/year> see file attached XX/XX/year> see file attached XX/XX/year> see file attached XX/XX/year> see file attached Please include me in your class action claim against this company ; and require deletion of all disputed items. 

See the numerous disputed submitted as proof. the disputed inaccurate accounts are ; XXXX. XXXX XXXX # XXXX XXXX. XXXX XXXX # XXXX XXXX. XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX # XXXX all disputed items must be deleted at this point
Product: Checking or savings account

My name is XXXX XXXX between XX/XX/18 - XX/XX/18 several unauthorized trans actions took place on my account using my debit card # and home address. All fraudulent transactions were done online or by phone. No signatures or Pin transactions were used. The amounts were : {$450.00}, {$38.00}, {$75.00}, {$150.00}, {$130.00}, {$220.00} {$300.00}, {$47.00} {$26.00}, {$31.00}, {$39.00}, {$35.00}, {$40.00}, {$150.00},. All these transactions took place while the debit card was in my possesion. I used my debit card almost every day at the gas station, grocery store, coffee shop etc. but when you go to the corner store it does not tell you the balance after the transaction and I did not go to an ATM to make a withdrawal or deposit to check my balance Until XX/XX/18 when I noticed money missing out of my account. I immediately made a claim that day. A credit was was put in my account for all the fraudulent transaction Approx. 2-3 days later. I then continued to use my account. 3 months later I received a letter dated XX/XX/18 stating that my claim was denied and a reversal of the credit given to me would be subtracted on XX/XX/18 ( {$1700.00} ). It did indeed take place leaving my account in the negative. I have made several calls and written letters to Bank Of America, They  have not replied. can you please help me rectify this problem. Thank you.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX has send me a letter confirming that my account with the credit union is now reflecting my updated balance after payment. Unfortunately XXXX and Equifax has not updated my credit report. This has caused my credit report to be inaccurate.
Product: Debt collection

I am writing for your help in addressing the problems I am having with DCI Credit Services , IncXXXX ( XXXX XXXX XXXX XXXX ND XXXX XXXX ) On three separate occasions they have taken money paid on a debt and misapplied the payment to incorrect accounts. 
For all my payments I have instructed in person ( via phone ) their office how to apply each payment. 
I was given confirmation numbers and assurances that the money was being applied correctly only to find out the next month that the payments were made to the wrong accounts. 
They continually blame their posting department and failed to make the necessary corrections. 
I have no record from them of what my total debt was and how much i have paid or where my payments were applied. 

I am asking your department to conduct an investigation into this company and protect me from further fraudulent misplaced payments. 
At this time I have no idea what I owe and what has been paid or where it has been paid to. 
I have not received any satisfactory explanation from the company. 
I have no clear records of what has been paid and to where my payments have been applied. 


Thank you, XXXX XXXX XXXX XXXX
Product: Prepaid card

On XX/XX/year>, I discovered unauthorized transactions on my XXXX  Dasher card, totaling {$69.00}. I immediately canceled my card to prevent further misuse and contacted XXXX customer service to report the issue and request a refund. I followed their protocol by promptly responding to all emails they sent as well as sending pictures for proof, but I was given multiple, conflicting confirmation numbers ( Calling multiple times for days from XXXX XXXX XXXX XXXX XXXX XXXX  which made the process confusing and difficult to follow. 

Despite my compliance, XXXX has exceeded the required 10-day period for resolving unauthorized transactions and has still not refunded my money. Additionally, my experience with their customer service was both frustrating and unprofessional. During one call, a representative hung up on me while I was explaining my issue, and I received inconsistent information that left me uncertain about the status of my claim. 

As a XXXX who relies on this income, the delays and poor handling of my case have caused financial hardship. I am seeking assistance to ensure XXXX investigates the unauthorized transactions properly, refunds the money owed to me, and addresses the unprofessional behavior I encountered from their customer service team.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Experian credit reporting agency, block information appearing on my credit report that is the results of Identity theft, XXXX data Breach and fraud withing 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, XXXX DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has my account information listed incorrectly and fraudulently. I live at XXXX XXXX XXXX XXXXXXXX XXXX XXXX and have for the past 5 years yet Equifax does not have that listed as my address. In the past I was able to login to Lock and Alert and Unlock or Lock my credit. Equifax disabled my lock and alert and won't let me reactivate it. Additionally, Equifax has my extended fraud alert / Victim Identity Theft statement showing a phone number of XXXX. This phone number is fraudulent. My phone number is XXXX and Equifax has not corrected or fixed my account. Everytime I attempt to retrieve my credit report is says my information is invalid and won't let me access my own report. I have tried several different times and it tells me my information is invalid. I have included a copy of my Drivers license which clearly depicts the address I listed above. Equifax has my address listed as their XXXX XXXX XXXX XXXX  and again that is not my address. Equifax needs to update my address information, and correct my credit file I am a victim of identity theft and I have been. Equifax caused this back in XXXX when they were hacked and my information was leaked. I am expecting monetary relief too because I have attempted to fix this several times with equifax without resolution. My email XXXX is the email used to sign into the lock and alert but equifax has it locked and has it pointed to XXXX which is not my phone number. Please correct my credit file and block the fraudulent creditors listed such as XXXX XXXX. I do not have any cards with XXXX XXXX nor have I ever.
Product: Money transfer, virtual currency, or money service

On XX/XX/22, I purchased a sewing/embroidery machine for {$470.00}. When I attempted to send money to the seller, the transaction was denied as my identity needed to be confined. I checked my bank app and did not see a pending transaction nor did I see an email to verify my identity from Cash App. The seller requested the funds through Cash App. The transaction did go through that way. I could see the pending transaction on the bank app, my cash App and the seller Cash App show that the one pending payment for {$470.00}. I checked my bank app later that night and noticed two charges went through. I immediately contacted Cash App. They informed me that the seller accepted both payments and I would have to request a refund from the seller. I contacted the seller and met in person. I could see her cash app only showed one payment received from me. Cash Apps website states you can dispute a charge where services and goods were not received. I went this route as one charge I did not receive good and services for and was not authorized. Cash App refused to file a dispute and continues to state the seller received both payments. My bank institution even joined the call and we were told the same thing and that they could not assist us further.
Product: Debt collection

XXXX XXXX called my job. I was not there. They spoke to my supervisor and did not disclose that they were a debt collection company. They then told her that I would be detained for fraud if i did not contact them. She had no idea it was a debt collector because they misrepresented themselves. She thought I had committed something very serious such as a murder due to the way they spoke to her. She was so scared, she called my phone repeatedly to contact me that i may be detained. I left the facility I was working, because I wanted to resolve the issue. I left work and called to finally find out that this was about a debt. I was so embarrassed that the office thought I had done something terrible.
Product: Mortgage

I purchased my first mortgage from servicer Meadowbrook Financial Mortgage Bankers Corp. on XX/XX/XXXX. On XX/XX/XXXX my mortgage loan was transferred to new servicer XXXX XXXX XXXX XXXX. Upon reviewing my online account with XXXX XXXX XXXX XXXX between late XX/XX/XXXX to mid XX/XX/XXXX, I noticed my ESCROW account was in the negative for over {$2300.00}. I called XXXX XXXX XXXX XXXX to find out why my ESCROW account was negative but a representative stated " we have no idea as to why, please contact Meadowbrook Financial Mortgage Bankers Corp ''. I called my first mortgage loan servicer and my broker XXXX XXXX but he had no answers for me. From that point on I grew suspicious and felt there were malpractices going on. Miraculously the same day I raised awareness about my ESCROW account being negative, was the same day my ESCROW account was in good standings. At this point I started doing a lot of investigating and going over my disclosures carefully. There were a few red flags on my disclosures such as the wrong race ( which I complained about before ), it indicated that I've done a phone interview ( I clearly did a face to face interview ), an extra brokers point was taken from closing, the RESCIND documents were never present nor signed, a fraudulent Commitment was made to buy my loan some approval time and XXXX XXXX XXXX ( the actual broker that closed my loan ) name ws nowhere to be found on my disclosures. I thought that was very odd and suspicious. Until this very day, I do NOT trust Meadowbrook Financial Mortgage Brokers Corp. nor XXXX XXXX XXXX XXXX with my money. I've been wait over one year for both lenders/servicers to answer the important question which is : WHO OWNS THE NOTE TO MY MORTGAGE????? XXXX XXXX XXXX XXXX put my home in foreclosure on XX/XX/XXXX. I responded with an answer and discover on XX/XX/XXXX. XXXX XXXX XXXX XXXX 's first attorney never responded to my discovery and backed out the foreclosure case. The second attorney hired by XXXX XXXX XXXX XXXX answered to the courts saying that they are not choosing to respond to my discovery and than backed out the foreclosure case against me ... .. WHY???? This is an unlawful malpractice on the part XXXX XXXX XXXX XXXX played. If XXXX XXXX and XXXX XXXX does NOT own my mortgage note and my information dose not appear in their system, than who is the actual note holder of my mortgage???? I contacted my title company XXXX XXXX XXXX via fax on XX/XX/XXXX regarding this issue but I did not receive an email nor replied letter by mail.
Product: Bank account or service

The bank decided to cancel my debit card without notifying me. I just had XXXX 5 days ago and my father has been helping me out by going to the super market and purchasing food for my XXXX children. Yesterday XXXX/XXXX/14 he went to the store and my card was decline. I checked my account and had enough funds to purchase our diner. I called customer service and was told that my debit card was cancel because if was good for 3 weeks until I received my new cars. Well I never received a new card and my old XXXX was cancel. The associate said it would take XXXX-8 days to receive the new card, I asked if they could Rush my card and the associate places me on hold to ask her manager and was advise that they could not rush my card because they do n't have the ability. I ask to speak to the manager and the associate gave me so much push back. She finally transfer me to XXXX XXXX XXXX, and he again asked me to go to the branch after I told him I could n't walk because I just had XXXX. I have been descriminated numerous times by Wells Fargo Bank because of the type of account I have. If I would have been told that having an opportunity account meant that I would be charge fees when ever they felt like it or reject my request to cash a 16 dollar check I would had never open this acxount. It 's so unfair that I have to wait 8 days to spend my money because the bank could n't Rush my new debit card. I want a formal apology and a reason why they could n't Rush my debit card. Why do I get discriminated so much? I am hurt and feel horrible by all the abuse I have accounted by Wells Fargo. This bank should not be allowed to discriminated customers based on their account type! Wether I am poor or rich I have the right to be treated fair.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) and 15 U.S. Code 1681e, you are required by federal law to verify. Through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my signature on it ) you have on file of the accounts below. Your failure to verify these accounts has hurt my ability to obtain credit. Under FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof you must remove the accounts listed below. 
I demand the following accounts be verified or removed immediately Name of Account : XXXX XXXX XXXX XXXX Account Number : XXXX Account Amount : {$950.00} & {$1300.00} XX/XX/year> XXXX XXXX SS # XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS HAS TO DO WITH " XXXX & EQUIFAX " NOT REPORTING CORRECT INFORMATION. THIS HAS BEEN GOING ON FOR ALMOST 9 MONTHS NOW SHOWING IN MY REPORT THAT THIS CREDITOR STILL CA N'T GET THIS ACCOUNT UPDATED CORRECTLY. I 'VE TRIED CALLING THE EXCHANGE AND I WAS TOLD AND ADVISED BY THE CALL TAKER THAT I 'M NOT ALLOWED TO TALK TO ANYONE IN CHARGE OVER THERE. I CAN ONLY SEND OUT EMAIL 'S WHICH I 'VE TRIED ALSO BUT THATS A DEAD END SAYING THEY ARE WORKING ON IT, THEY HAVE BEEN SAYING THAT FOR ALMOST 5 MONTHS NOW WITH NO RESULTS. THE CREDITOR IS XXXX/XXXX XXXX XXXX  ON XXXX REPORT AND ON EQUIFAX IT 'S LISTED UNDER XXXX XXXX XXXX XXXX. THEY SHOW THE ACCOUNT CLOSED SINCE XXXX/XXXX/2016 WHICH IS NOT CORRECT. I USE THE STORE CREDIT CARD, I PAY THE MONTHLY BILL EACH MONTH, THAT WOULD BE IMPOSSIBLE IF THE ACCOUNT WAS CLOSED.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX {$11000.00} account XXXX XXXX  XXXX {$300.00} accont XXXX XXXX XXXX account XXXX In accordance with the Fair Credit Reporting act 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging has nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove this account : XXXX XXXX XXXX XXXX Balance Owed : {$0.00}