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

Capital one closed my account after I filed a complaint against them for changing my checking account to another checking account. They did this knowing I had XXXX Direct Deposits into my first account. And this would keep me making transfers to the new account or get overdrawn and not be able to pay my bills. Both of these XXXX direct deposits are from the Government ; XXXX XXXX ) Social Security from Texas and XXXX XXXX ) life time check from XXXX XXXX from the State Of Washington. Changing both of these XXXX direct deposits would be major to change them. I am XXXX XXXX XXXX. and I really don't need these problems. Now I was trying to keep XXXX registers for XXXX checking accounts. I have a lot of bills and payments, the majority of them being paid with the Capital One Account. 
Now they have closed my accounts all of them. They are saying because of some deposits being made from a friend of a friend and he sent them from his unemployment. 
I have No Idea where he was sending them from! I don't think that is my responsibility. 
If Capital One didn't want to accept them XXXX should have refused them in the beginning. I didn't benefit from any of them! The first ones f were for a XXXX XXXX XXXX that had been run over by a car and she was going to loose her leg unless they did XXXX on her. This friend of a friend said her would send {$900.00} for the XXXX. Which he did and I forwarded it to the parent. 
The second amounts were a favor to a friend so he could buy something from another person. I didn't benefit from any of this. 
I don't have any idea what or how a person gets their Unemployment. I didn't know it was from unemployment, which wouldn't have mattered to me anyway. If he wants to use his unemployment that way, that is his business. 
But now Capital One has closed all of my accounts and kept my money that is in there. I can't pay my bills, and I am going to owe late fees on everything. 
I think they have done all of this because I reported them to the Cfpb. 
I have been a customer of Capital One for a long Time
Product: Debt collection

Aidvantage began sending letters early last year claiming to now be the owners of my student loan debt from the art institute of California and attempting to collect. The envelopes are from the XXXX Department of Education and bear that seal and the return address is the XXXX XXXX XXXX, and states they are the official servicer of federal student aid. Multiple attempts were made on the phone and by email to obtain validation of the transfer. A debt collection validation letter was sent by certified mail on XX/XX/XXXX to the address po box XXXX, XXXX, Oregon XXXX, the address listed in the letter as their physical mailing address. Since then two additional collection letters and threats to begin charging penalties, reporting the failure of payment to credit agencies, and possibly sending it to a debt collection agency, have been sent with no response to the debt validation request. 
The letter will be uploaded as an attachment below. 
No part of the requested information has been provided, nor acknowledgement they have received the certified mail delivery. USPS can confirm that the letter has been delivered.
Product: Credit reporting, credit repair services, or other personal consumer reports

Thank you for responding to my complaint, I am disputing the findings from your Consumer Reporting Agency. Please note, 611 5 ( A ) which explains, Treatment of inaccurate or unverifiable information. ( A ) In general. If, 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 delete that item of information from the consumer 's file or modify that item of information, as appropriate, based on the results of the reinvestigation. 
Please advise who did your Consumer Reporting Agency speak to at the US Bankruptcy Court to verify, update, correct, or modify whether the bankruptcy listed on my credit report is accurate? I ask this question because my credit report explicitly states your company got the information from a third party ( XXXX XXXX ) and therefore it may not be accurate. Did XXXX XXXX  or your Consumer Reporting Agency travel or speak to the New Jersey Bankruptcy Court and verify, modify, update, or correct the information in person? If so, please include the documents showing the bankruptcy is in fact accurate, updated, correct, and verified including the entire docket showing this action based upon the law.

Please explain how your Consumer Reporting Agency intends to modify the information in the bankruptcy filing. Can your Consumer Reporting Agency modify the information in the PACER Database that Lexis Nexus used? Can your Consumer Reporting Agency modify the information in the State, Federal, or Public records related to the bankruptcy? Per the US Bankruptcy Court, they do not modify, verify, or update the information for Consumers or Consumer Reporting Agencies. Please advise and share in writing the workflow and documents in place to open the docket to update, modify, verify dispute, and correct information on my behalf with the US Bankruptcy Court as a Consumer Reporting Agency.
Product: Checking or savings account

XX/XX/XXXX U.S. Bank failed to honor its letter acknowledging a stop payment on a check, via bill-pay, dated XX/XX/XXXX. They honored the check for {$2100.00} anyway on XX/XX/XXXX. 

Background : I retired at the end of last year and, as a result, filed to modify the spousal support orders issued in XXXX. The court date was set for XX/XX/XXXX, so I held back payment for XXXX until we learned of the amount change. However, at one point my ex-wifes attorney ask for a postponement due to his scheduled XXXX, so in good faith I sent the check to cover XXXX. Shortly after the attorneys XXXX was canceled and we were back on for XXXX, so I notified the US Bank requesting a stop payment. I received a written acknowledgement of the stop payment action on XXXX. 

My ex-wife presented the check knowing full well that the payment was invalidated by court order since we executed a buyout for $ XXXX and no more support was due effective XXXX. This is stipulated in the orders! She was wrong, but the bank honored the check and deducted the amount from my checking account resulting in an overdraft situation. 

After 2 calls they have been of no help... telling me I have to take it up with her!! I have been with this bank for many years, but I feel I can no longer trust them!! If the funds are not returned to me either voluntarily from her or by bank action, I will take both to small claims court.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX is a system that allows companies to view or have access to court records. A bankruptcy is considered a public record and anyone seeking knowledge of a bankruptcy should visit the court during business hours and pay a fee to view those documents. Under the FCRA my consumer report is private, it's not considered public record. There should be no reasons why a bankruptcy is furnished on a private consumer report, it is illegal. I have reached out to all three major credit bureaus, experian, equifax, and transunion numerous of times and they have ignored my request to remove the bankruptcy furnished by a third party. Attached you will find a letter from the United States Bankruptcy court stating they do not report to credit agencies and they have no part in companies misusing the information obtained from public record. 
According to the law 15 USC code 1681 Permissible purposes. I never gave XX/XX/XXXX, equifax, norXX/XX/XXXX consent to report a bankruptcy on my credit report. No consent is considered idnetity theft and the bureaus can be fine {$1000.00} per violation under the law. Also, this information has ruin my reputation and that is a violation under the law as well.
Product: Credit card or prepaid card

I applied and was approved for the Speedway Mastercard by Fleetcor for my XXXX XXXX XXXX XXXX  in early XXXX of XXXX. This card was a gas AND maintenance card. From the time I was approved there were nothing but problems. First I was sent Gas only cards. Then I was sent several Gas & Maintenance cards, but they never worked for anything but gas. I called the first time I tried to use the card at XXXX for an oil change, but it would not go through. I spent over two hours on the phone with them including with their corporate office trying to fix the problem until I finally paid with another card. This happened repeatedly at XXXX and XXXX where I had to pay with another card for car maintenance items after attempting ( and failing ) to have the issue fixed on the phone on site with fFeetcor. I would email Fleetcor after each incident and told it was only to go to another store and have the card not work. So they have been well aware of the issue and have lied about fixing it. 

After informing them of the laws stating that I did not have to pay the amount that was in dispute, I was greeted with childish behavior. I called and was told to call back to speak to people who didn't exist and was accused of being a liar when I repeated when I stated what I had been told on the previous phone calls and in emails. 

Fleetcor has falsely reported this account to XXXX and XXXX. I contacted them before typing this complaint and my score is not where it should be ONLY due to this account 's incorrect reporting. I have disputed it twice, only for Fleetcor to " verify '' it, knowing that the amount they are reporting is in dispute and refusing to communicate with me to fix it. 

I am not the only person Fleetcor has done this to, which is why they were sued by the Federal Trade Commission for this and other unfair or deceptive acts in XXXX.
Product: Debt collection

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX TODAYS DATE : XX/XX/2020 PORTFOLIO RECOVERY A Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious PORTFOLIO RECOVERY A I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : 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
Product: Checking or savings account

Just got off the phone with a rep about my complaint.
They received a response from a   XXXX   XXXX   XXXX   w/ a phone number, no extension nothing and I have been on the phone since  XXXX  and am writing while I am on hold, no one knows who she is and they ca n't find out? According to her response she is more than happy or willing to give me my MONEY I do n't have the actual letter but, it is something to that effect, she will give me my money, the money belongs to me what is she talking about she DID NOT RESPOND to my complaint of I want to see the BENEFICIARY CARD AND SIGNATURE CARD that IF MYfather changed this for me to share with my sister I am by law entitled to see all those cards instead since   XXXX   XXXX   I have been given the run around and lied to. I have spoken to several banks, lawyers and went to Civil Court about this issue and I have the right to see all documentation pertaining to this matter. All have said same, some- thing is not   XXXX   they are hiding something here if they wo n't show you these documents???
Please help me, I registered this complaint with you for this info and I have n't received the proper info here we go again this is why I am complaining to you for your help in ascertaining the cards and why did n't this woman give proper details to contact her? It is  XXXX  just got off the phone they said no one is allowed to speak with me any longer as I filed this complaint and regulatory mumbo jumbo etc etc so I need to wait for another letter in the mail from Capital One about this matter!!! I am complaining again please, please all I want is to see the SIGNATURE CARD AND BENEFICIARY CARD TO SEE WHEN and IF MY father changed the   ITF   XXXX   XXXX   to also beneficiary   XXXX   XXXX   my sister. All statements have come with   XXXX   XXXX   ITF   XXXX   XXXX   nothing else and I have some of the statements as far back as  XXXX  with only my name!!!
PLEASE PLEASE I AM BEGGING FOR HELP SUCH A SIMPLE MATTER???
This is a new complaint about the above complaint that I did not receive a response to my above complaint???
Summary of your complaint Complaint number :  XXXX  Date submitted to CFPB :  XX/XX/XXXX  Date sent to company :  XX/XX/XXXX  Product : Checking or savings account Issue : Closing an account   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX  .
  XXXX   NY  XXXX  #   XXXX   XXXX   --
Product: Mortgage

This is fraud. I never signed a contract. They took {$2400.00} out of my wife 's bank account. We never received any services from them. And they are also reporting the wrong address on my credit report because I have never been in XXXX XXXX, FL.
Product: Vehicle loan or lease

I got the car in XXXX XXXX. The company, American Car Center went out of business a week later. I received temp tags and was told I would get my title in mail. The company the sold everything to is Westlake. I called them and was told to email them to recieve my title. I got nothing. They then to me to go to my DMV and have them request it. They send nothing. I have been contacting them for 7 months about this issue and they are doing nothing about it and basically refuse to send me anything. I have muiltplie emails with no reply and when I call into customer service they just transfer me to anyone so they wont have to deal with it. My tags are expired and I can not drive the car due to that. They want a payment but cant send me anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy 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
Product: Debt collection

The company accepted a reduced settlement over 2 years ago, then last year sent another reduced settlement notice. They told me at that time they would cease collection. Then this year a new company sent a notice to collect the remaining balance. Therefore, the first company send this paid debt to a new agency for collection.
Product: Credit card or prepaid card

I opened a credit card account with the store XXXX, administered by Comenity Capital Bank, in XXXX of XXXX. I received a bill in XXXX with a closing statement date of XXXX. I received the bill during the XXXX week of XXXX ( don't recall exact date ) and sent a check on XXXX. I did not check the due date, which was XXXX, so I accept the {$30.00} late fee on this one. The next statement closing date was XXXX. I received that bill on XXXX ( Saturday ) and sent payment on XXXX ( Monday ). That payment cleared on XXXX, so that meant another late fee. There was no way I could have sent it any sooner! In XXXX the statement closing date was XXXX. I sent payment on XXXX, the same day I received the bill. It didn't clear until XXXX ... another late fee! Apparently, no matter when I send the payment, it will not be cleared until it is late! For the XXXX bill, it closed XXXX. I received it XXXX. Based on the history, I realized there would be yet ANOTHER late fee so I called to complain and challenge the fee and I closed the account. I paid the late fee while on the phone with the company. This seems to be a scam!!! I checked the mailing address each time there was a late fee to be sure I had it correct. My credit score was XXXX on XXXX. I do NOT pay bills late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to apply for a credit card account, but I got rejected for the reason of " unable to verify identity '', which as per understanding, is the failure of the credit reporting agency to do its job correctly.
Product: Mortgage

I have continuously submitted copies of consecutive documents to the lender but they keep on asking me for the same information over and over again. I have clarified everything in question and just feel like they are giving me the round around. They told me that I am getting removed soon because I have not provided the documents that they are asking for but I have and its not going anywhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following Credit Reporting company below was contacted : Experian, XXXX XXXX   XXXX, XXXX, TX XXXX, ( XXXX ) XXXX The 1st letter was sent to Experian company informing them that the items on my credit report are in violation of the " Fair Credit Reporting Act - Section 609. '' The FCRA also state that items that " Can not Be Verified '' must be deleted. Verification includes an original signed contract with my signature on it in which they did not provide. Also, no XXXX System or Automated System can not be used for verification as in the case of ( e.g XXXX vs XXXX [ Experian ] ). I also, sent a 2nd letter asking in more detail about the investigation as so stated in the " Fair Credit Report Act '' Section 611 ( a ) ( 6 ) ( B ) ( iii ) but still got an automated response!

Please see the attach documents for more detail information.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  XXXX XXXX Finance Account # XXXX, XXXX XXXX XXXX Account # XXXX, and XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the 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
Product: Credit reporting or other personal consumer reports

Around XX/XX/year> I disputed information that was been reported on my credit reports that didnt belong to me I asked them for documentation showing I open the account with my signature and other documents that they may have. XX/XX/year> I received an package in the mail from Plaza services LLC for me to fill out information and an letter with the Original Creditor information and the amount no documents of the loan or anything just an letter for me to fill out and send back to them. I have been trying to get them to send me the original documents bearing my signature showing the date and time the loan was open.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX willfully and knowingly ( 15 usc 6823 ) is practicing a deceptive form of collecting on a debt which is a violation of my rights as a consumer under U.S.C title 15 chapter 41 COMMERCE AND TRADE ( SUBCHAPTER 5 ) FAIR DEBT COLLECTIONS PRACTICES ACT. My social security number was used to loan me my own credit from the master promissory note ( which is equivalent to money according to 12 usc 1813 i ) aka the car loan application, I filled out online via XXXX XXXX XXXX XXXX financial institutional app. I know my social " SECURITY ( number ) is valuable. XXXX is a debtor illegally barrowing against my security and loaning it back to me according to 12 USC 83. I know that NO BANK can use my funds ( aka dollars ) for fractional lending because all obligations belong to the United States according to 18 USC 8. Furthermore, when I put my signature on this security, XXXX failed to fully disclose the consumer transaction. 

This is an advisory of XXXX 's best interest to be cooperative of my requested remedies. Otherwise, pursuant to 28 usc 3001 civil suit through the United States district court will be fervently be pursued and executed. You all are highly aware of the power I have as the consumer, natural person, and original creditor which is why I will stop at nothing to get this matter to be favorably settled.