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

My business checking account has been frozen by Capital One Bank since XXXX. When I called into the small business customer support, I was transferred to the fraud division who told me that I need to submit information regarding the eligibility of my business for an SBA EIDL loan that my business received in XX/XX/XXXX. I was also told that the SBA has asked Capital One to conduct the review on its behalf. 

However, despite repeated requests via phone and e-mail going back a period of over one month now, Capital One has refused to send me either in writing or via e-mail what documentation Capital One are requesting for this review. I was asked to email XXXX which I have done several times without any response. 

In addition, my personal checking and savings accounts also held at Capital One have been frozen and I can not even login to my Capital One account to review statements or otherwise manage my account. These accounts have no bearing on any review that Capital One is conducting on behalf of the SBA. 

Capital One needs to confirm in writing what documentation is being asked for and what the legitimate reason for this review is. Why have I not received any communication from Capital One on this matter? I had to call in to even get the little information that I have now. 

As a result of this account freeze, I am not only unable to conduct business, but I have had bill payments scheduled to my personal account fail costing me fees and potential hard to my personal credit.
Product: Debt collection

Regarding : AMCOL SYSTEMS is contacting me at inconvenient times and places. They are contacting me before XXXX XXXX., and after XXXX XXXX. I never agreed to it. These repetitious phone calls have annoyed my family and myself. AMCOL SYSYEMS has also used obscene and profane language and threats regarding this debt that is not mine. They are also blocking their number and calling me without telling me who they are. 
In addition, they have also stated that they are an attorney, making threats to arrest me, garnish my wages, bank accounts, and sue me. 
AMCOL SYSTEMS has also contacted family members and co-workers of mine more than once trying to collect this fraudulent debt. AMCOL SYSYEMS has discussed this account and my personal information regarding this debt, harassing others trying to get me to pay this debt. AMCOL SYSTEMS fails to respond to my verification letter by certified mail as well as my cease and desist letters.
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX  XXXX Balance : {$4900.00} XXXX XXXX Balance : {$3300.00} XXXX XXXX Balance : {$730.00} XXXX  XXXX Balance : {$5400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

Dear Sir or Madam, I am writing to request the removal of a closed account with late payments that has been paid in full. This account is reported solely on my credit reports from TransUnion and XXXX, and I believe its presence is unfair and does not accurately reflect my current financial situation. 

The details of the account are as follows : Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX My request is based on the following laws : Inaccuracy of Information : Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or unverifiable information in my credit reports. The existence of this closed and fully paid account with late payments may be considered inaccurate in the context of my credit history. 

Responsibility to Report : According to 15 U.S. Code 1681s-2, creditors are required to report accurate and truthful information. The presence of this account may not align with that obligation, given that it has been paid in full. 

Right to Deletion : Under applicable laws, there may be grounds for the removal of information that does not accurately reflect the current status of an account. A closed account that has been paid in full but contains late payments may unjustly affect my credit history.

Given these points, I kindly request that the CFPB investigate this matter and facilitate the removal of this account from my credit reports. It is essential for my credit history to reflect accurate and fair information. 

Thank you for your attention to this matter, and I look forward to your prompt response. 

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

I enrolled with Florida XXXX XXXX XXXX back in XX/XX/2010. At the time of enrollment I was told that my credits from my prior school would transfer towards my degree. It wasn't until a the end of XX/XX/2010 that I was informed that they wouldn't transfer my credits. I therefor withdrew from the college extremely upset that I was mislead and wasted several months that I assumed was being put towards my degree. I enrolled in a different school. The statue of limitations for how long the accounts can report has long expired. Again this all occurred in 2010 and at no point was payment made. It's now almost 9 years and the four accounts are still reporting. This is clearly a violation of the FCRA.
Product: Debt collection

to whom it concerns i deputed been over 30 day there is inaccuracy in my credit report. no results. or replay or changes. i sent letter out on XXXX XXXX XXXX knowing mail is slow but i ask to be removed. the collection agency. is progressive management XXXX $ not alot but not mine debt. original debt creditor is XXXX memorial hospital. this is a violation of my hipaa medical privacy or health privacy. if i had hospital visit i would used my insurance plan. i have a scan my id cards
Product: Payday loan, title loan, or personal loan

On or about XX/XX/2020 Tower Loans ran my credit without my authorization and it caused my credit to have a hard inquiry this company has a judgment against me and no where in said judgement does it give them the authority to run my credit as the judgement supersedes the contract and they did this frivolously during a National Pandemic with the COVID19 going on the entire US is under a federal emergency and our state emergency also they are still attempting to collect a debt during these times is shameful and unprofessional and needs investigated as they violated my rights and the FCRA in doing so Im unemployed as a majority of the USA is and this must be investigated they even told a third party about my debt previously is why I quit paying on it which also violated my rights
Product: Debt collection

Received notice from Convergent stating I owe a debt in the amount of {$520.00} I have mailed a letter to the company XX/XX/2018 stating this debt was due to identity theft and does not belong to me. I have received repeated attempts to collect this debt after sending letter asking agency to stop.
Product: Debt collection

Sent a letter asking the company to verify or provide me with what money they say I owe, a detailed explanation of how they have that information, a verification or copy of judgement if applicable, name and address of original creditor, proof that the statute of limitations has not expired etc.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This credit card account is paid in full and closed. The monthly payment is due on the 15th of every month and I made 2 payments in the last billing cycle. One for about {$500.00} and one for about {$6100.00} to pay off the rest of the balance. The company once again marked me late and attached is my monthly statement directly from the company as well as a form from a phone representative supervisor who went over my account and told me I need to dispute it with the credit bureaus. My credit is continuously damaged by this account wrongfully reporting on my credit report and is making it very difficult to buy a home. This is a direct violation of 15 U.S. Code 1681e - Compliance procedures. The company has shown a track record of not reporting properly and I have filed multiple complaints which are all in progress. I request that this account be completely deleted off of all my credit reports or at the minimum remove the last late payment and update to paid on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I am writing to you about my account. This credit card company XXXX XXXX XXXX is furnishing you wrong and incorrect information. They continue to update information trying to keep this account active so that it will continue to be on my credit report way past 7 years. At one point this account was deleted from my credit report XXXX in the past but reappeared back. I do not know how that happened but it did. According to FCRA, this is a violation. They seem to not report the same information to each credit bureaus. That alone is a violation of the FCRA. For an instant on my XXXX report, they are reporting that my account was charge off on XX/XX/XXXX. On my Transunion report you are reporting it was charge off XX/XX/XXXX, and on XXXX report, you reported it was charge off on XX/XX/XXXX but recently it was XXXX. This is XXXX of their tactics to keep this account active pass 7 years. This account must be deleted off my credit report because of wrong and inaccurate information according to the FCRA Act. Please delete this account off my credit report and never to reappear.
Product: Checking or savings account

Bright money has been withdrawing round up funds from my bank account when there are not enough funds in the account to do so. When you sign up for bright money, if your bank account is below XXXX dollars they stop the rounds up and stop withdrawing. This has not been the case for me. My account was overdrawn and continues to be overdrawn. I ended up having over XXXX dollars in overdraft fees from just bright money. I had emailed them XX/XX/XXXX requesting them to stop and help resolve the matter with no response. I emailed again on the XXXX and the XXXX when they continued to do so. I was unable to remove my bank account from their app or website. I was eventually able to turn off the round ups and it confirmed that they would not pull funds. Fast forward XX/XX/XXXX and more funds came out of my overdrawn account causing XXXX dollars of overdraft fees. This company isnt saving me money like they claim, they are costing me. I send yet another email once I saw the funds came out. I have yet to have a response back from the company and its been 10 days. When you try to call nobody ever answers and you can not leave a voicemail. They promise someone will respond within XXXX hours of an email but that is not the case.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received a letter from AES for me not to pay my student loan because of a new law sign by the president, due COVID 19, my interests will not gain any more, and my account will freeze. Because AES didn't communicate with the credit bureaus, all three of them XXXX, XXXX  and XXXX, my credit score went down drastically ruined my so hard to keep score. Its shows in my credit like if I haven't pay for my loan voluntarily. This need to be addressed immediately. The points the credit bureaus removed from my credit need to put back right away so I can keep on going with my normal life.
Product: Credit reporting or other personal consumer reports

Upon reviewing account XXXX on my credit report I identified several inaccurate late payment entries. I kindly request that your institution investigate these discrepancies and take the necessary steps to remove any inaccurate late payment entries from my credit report. These errors are negatively impacting my credit score and may affect my ability to secure credit in the future. It is essential that my credit file accurately reflects my payment history, which, as I have stated, has been on time and in full. 
Please review my payment records and provide me with a written response confirming that these late payments will be corrected. 
I respectfully ask that this issue be resolved as soon as possible and that I be notified of the outcome of your investigation. Should you need further information, please feel free to contact me at XXXX or XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was searching for cars to trade in my vehicle at the public library. Later I noticed I have unauthorized and unrecognized inquiries on my credit report. I want these inquiries deleted.
Product: Credit reporting or other personal consumer reports

THE COLLECTION COMPANY PORTFOLIO RECOVERY ASSOCIATES AGENCY HAS ENGAGED IN FALSE AND MISLEADING PRACTICES VIOLATING FDCPA 807 AND ALSO PER MY CREDIT REPORT THEY HAVE REMOVED THE CREDIT INQUIRES FROM PORTFOLIO RECOVERY BUT NOT THE COLLECTION DEBT ITSELF THIS COMPANY IS REPORTING FRUDULENT AND INACCURATE INFORMATION ON MY XXXX REPORT. PLEASE SEE ATTACHED DOCUMENTS
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent several requests over to the credit reporting agency to investigate or even re-investigate my requests to provide signed documentation to support the negative items shown on my credit report. The credit reporting agency has refused to show proof that an actual investigation was performed, and after only 3 days of receipt and acknowledgement of the request, they simply update the items as accurate and choses to notify me electronically that the negative items will remain on my report. The notification of status update is done by electronic means as opposed to mail as requested. The rejection to perform the necessary requested investigation and the refusal to provide copies of the ask for documentation is a clear violation of my rights under the FCRA. Requests in writing started in XX/XX/2022, XX/XX/2022, XX/XX/2022 and again in XX/XX/2022. Investigation requests has been submitted in writing and were requested to respond in writing as well as provide actual signed documentation to support the results of the investigation has well exceeded 30 days and still NOT YET been received. 
The credit reporting agency has ignored my requests and its been 6 months later.
Product: Credit reporting or other personal consumer reports

The problem I've been having is I've had to dispute the credit card company current XXXX times with XXXX over my account statement 's not being updated each month. i called current and they keep telling me that they did report my information and its XXXX fault my credit score dropped XXXX points and XXXX isn't updating the information. Then i called XXXX to dispute and the information comes back as accurate. so i have to file another claim through XXXX and this time they added the other months to my credit report and now XXXX weeks later everything is deleted off my report and only show the month of XXXX. They will not include XXXX, XXXX, XXXX, or XXXX even after disputing calling and complaining to XXXX and Current. I Cant apply for new cards to help build my credit I'm trying to move but not after a XXXX point drop on my credit for no reason of false information. They report the balance from XXXX for each month afterwards is fraudulent i need help
Product: Credit card or prepaid card

Greetings, I have submitted my billing error dispute with Comenity Capital Bank to the address on the monthly statement I was sent as they requested via certified mail. Ive called several times requesting an update and also emailed their message center as one of their colleagues suggested. No one seems to know what Im talking about. I asked to be transferred to the dispute department only to find out there isnt one. I was then transferred to a pleasant young lady by the name of XXXX. She stated Comenity policy states it has up to 60 days to respond. I asked where was she reading from because thats not what is states on the papers I received from BJs. I ask that you contact XXXX/Comenity Bank to resolve my dispute.
Product: Debt collection

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

EASTERN ACCOUNT SYST XXXX XXXX Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT XXXX XXXX XXXX Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Product: Debt collection

Copy of original contract that I signed bearing my signature that from original creditor. 
Payment history Name and address of a creditor. 
Proof of ownership they've been assigned this debt.
Product: Debt collection

On XXXX2014, this debt for { {$250.00} } appeared on my credit report. I have no knowledge of this debt. I am requesting a signed confirmation with my signature that I opened this account. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed within 15 days of receipt of this then you must remove the account from my credit report.
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX XXXX. I have opened an account with the Cash App using my XXXX app store. I opened my account with Cash app and was sent a debit card with my name etched on it ending in XXXX originally. I lost that card during move and received a second card ending XXXX. I receive my federal VA benefits on the XXXX in amount of XXXX and a state XXXX in amount of XXXX on the XXXX of each month. this month on the XXXX of the month Cash app took all money away and now i do not have access to any of it. I have been evicted from my home, i can not pay any of my bills and i am very upset. I need this figured out and my money to be returned asap
Product: Vehicle loan or lease

Please see attachments Several options I could have marked on the previous page, but unsure High pressure sales tactics Pressure to purchase other items not needed. 
Managing of the loan XXXX XXXX is not on your list I have not received the car title. 
Filed with NHTSA.gov as well. 
This specifically deals with the loan part of things fro CFPB to look into. 

ALL documented in the attachments. 
Pictures are too large of a file, but submitted to them in my complaint to them.
Product: Debt collection

Mr. Cooper is attempting to collect a debt that is not mine. I'm requesting a cease and desist ; and validation of debt .I received a mortgage loan statement that indicates the amount due is {$190000.00} and is 3,246 days delinquent.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I called Equifax at XXXX at XXXXXXXX XXXX Central Time to request that they unfreeze my account so that XXXX XXXX   could check my credit score. After I gave my personal information I was asked about 10 verification questions, such as outstanding loans, etc. After answering the questions, I was told that I failed, but that they couldn't tell me why. The person asking the questions told me that I could fax them a copy of my driver 's license and social security card and they would mail me something that would allow me to unfreeze my account. I am applying for a home loan and I can't wait days for a response from Equifax. Equifax 's data security breach in XXXX was the reason that I placed the freeze in the first place, now I have been placed in this catch 22 because of Equifax 's incompetence.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having a problem with XXXX XXXX. There are two credit  cards that are in their name : one, which is through XXXX XXXX ; one which is through XXXX. These accounts are paid off as of XX/XX/2018, and they have reported to all three credit reporting agencies as a " charge-off '' instead of a " paid-off. '' I have contacted all three credit bureaus via mail, I have spoken with XXXX XXXX  and mailed them letters, including receipts showing paid off, yet they will not take this off of my credit report, which is making me get turned down for new credit opportunities. They state that because XXXX XXXX went out of business, they reported it as a " charge-off '' erroneously.