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

Approximately one year ago I attempted to log into my Capital One account through my new device. Recognizing the new device the website requested a two-step verification which I could not perform due to my location outside of the United States. When they locked my account they refused to allow me to reopen my account even after submitting more documentation of my identity than when I originally opened the account. I submitted my drivers license, bank statement, birth certificate and a different credit card statement. At each step they only required one more step. Finally, I sent a letter directly to the CEO of Capital One and was given a response from their corporate office that I could open my account with the verification of my passport. Upon successfully doing this I was again rejected. The company has also denied me hundreds of the points I rightly earned and wanted to redeem. I believe this dishonest and unethical behavior deserves to be known and rectified as I have come to learn this is a common practice at Capital One.
Product: Credit reporting or other personal consumer reports

I've received a current credit report. Soon after evaluating my credit report, it can be clear that the following accounts appear with no regard for accuracy as required by the Fair Credit Reporting Act. I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. XXXX Account XXXX Date opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX, MN XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Account XXXX Date opened : XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Date opened : XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Mortgage

My mortgage company before XXXX sold my account to XXXX. I started having payment issues with Newrez on XX/XX/2023 thought my payments of XXXX were going through. I received confirmation numbers but they would send the payments back. I tried paying both online and on phone. I asked why I was having the issue they said it was my bank or lack of funds. I was more than sure that have enough funds to pay, i called my bank they said it wasnt on their end. I tried paying online, and called made double payments so i pretty sure I had till XXXX paid. I did not go through. I paid online again. My bank shows multiple payments. Im sure I paid more now but they have confusing system. Now I have a low credit score and also the person who is on the loan with me.
Product: Checking or savings account

I am currently living off of money provided from Pandemic unemployment assistance since I am unable to make much income from my normal field of work. Recently, the CARES ACT expired and as a result, I am only receiving a portion from my state unemployment office of the money I have usually received. 

From XXXX- XXXX I accumulated {$370.00} in Overdraft and return item fees. 

This {$370.00} would be helpful in my situation since I am currently dealing with this sudden drop in income since the pandemic forced me to rely on unemployment assistance. 

I beg chase to help me out and reverse all {$370.00} dollars. I think it would be right since I dealt with a small issue in early XXXX in which I was unable to get my debit card sent to my new address. I am dealing with this pandemic as a single father who recently graduted college. 

I don't mind paying my $ XXXX  monthly fee, you guys deserve that money. I'm only disputing the OD and RI fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of inquiry fraud and transunion is failing to remove these inquires off of my report I called and explained the situation that did not help. 

. 
XXXX XXXX XXXX. XXXX, XXXX 2. 
XXXX XXXX XXXX XX/XX/XXXX 3. 
XXXX National Credit Cards/Airlines XX/XX/XXXX 4. 
XXXX Bank XX/XX/XXXX 5. 
XXXX XXXX Bank XX/XX/XXXX 6. 
XXXX Utilities & Fuel XX/XX/XXXX 7. 
XXXX Finance XX/XX/XXXX 8. 
XXXX National Credit Cards/Airlines XX/XX/XXXX 9. 
XXXX XXXX Bank XX/XX/XXXX 10. 
XXXX XXXX Bank XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report I noticed that there were inquiries on my report that had n't come from me. I tried calling the companies and they said that I needed to contact the bureaus. I called the bureaus and sent multiple inquiry letters but they refused to investigate and remove the inquiries. They said that the burden of proof was on me and  I needed to contact the creditors. I even contacted the Presidents of the companies via email ( all who had a Representative call me very quickly ) but still did n't get results. I sent 609 letters requesting signed proof that accounts that I did n't recognize that the bureaus are reporting belong to me and each bureau just said  that they were mine but without any form of verification.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for the violations
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Product: Debt collection

I pulled a copy of my credit report and saw that this company was reporting a XXXX debt. I sent them a debt validation letter to see if this account was indeed mine and they replied with a simple letter just stating what the balance on the account was. That does not prove this account is mine. I sent another letter on XXXX XXXX stating to please prove the debt is mine with something that has my signature on it or a contract and they have not yet replied.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus ( " DATE OF PREVIOUS LETTER '' ), but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX Balance : $ XXXX XXXX XXXXXXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$8200.00} XXXX XXXX Balance : {$350.00} XXXX XXXX XXXX Balance : {$8200.00}
Product: Debt collection

They have been calling me for over XXXX  years. Over and over and over. They just keep calling. I have told them repeatedly to STOP calling me. They don't care, they just keep harassing me. I have never recieved anything in writing proving this debit and it has now turned into harassment and I want it to stop!
Product: Checking or savings account

On XX/XX/2023, someone hacked my Bank of America account, added a XXXX recipient which I don't know, and transferred {$3400.00} from my account. The hacker transferred out my phone number from my carrier company, so they could receive a verification code to log in to my Bank of America Online Banking Account. I visited the BoA branch at XXXX XXXX XXXX, XXXX XXXX, CA XXXX, and have the case opened. 10 Days later, I called their fraud center. They say my claim case was denied. This is clearly a system vulnerability of BoA, which caused the loss of my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX acct # XXXX {$530.00} reporting as open account and collection account, XXXX XXXX XXXX, acct # XXXX {$750.00} reporting as open and collections account. XXXX XXXX XXXX acct # XXXX {$470.00}, XXXX XXXX XXXX acct # XXXX $ XXXX acct XXXX XXXX {$500.00}, XXXX XXXX XXXX acct XXXX XXXX {$470.00}, reporting as open and collection account., XXXX XXXX XXXX  acct # XXXX {$390.00}, According to law 15 US Code 1681-Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of 30- day period beginning on the which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my FIFTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite four previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). 

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$7800.00} and XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$14000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : XXXX data breech ... .XXXX transferred the credit monitoring service over to Experian in XX/XX/2019 for a free one year period. That period has now expired and Experian has " automatically unfroze '' our Experian credit reports, without any option by us. Now, to refreeze our credit report, or unfreeze, we have to send in multiple documents and wait weeks before they process the freeze. The same process is involved to unfreeze. They discuss the option to do this online but it DOESN'T allow it, nor will they let you do this via phone. The only TIMELY way to essentially do this is to PAY for their monthly service of {$24.00} after the promo month. This is such a racket that I can not begin to digest how they justify doing this to the XXXX MILLION of us involved in the Equifax data breech. This is beyond acceptable and should be investigated and they should be FORCED to comply with FREE security freezes that are TIMELY!!!! Don't believe their XXXX about " online '' of " via phone '', they wont do it and insist on sending the paperwork in. Oh, and the info you have to send in via snail mail includes SS #, drivers license copy, etc. Seriously, if this info gets stolen in the mail, you have further exposed your sensitve data. Forget about talking to an actual human being from Experian, that is impossible. Try it..Does n't work..
Product: Debt collection

I have several inquiries on my credit that I did not authorize. I have several addresses that I did not reside at phone numbers and debt debt collectors. Thats calling me about things I have. I am not aware of when I asked for proof. I am giving nothing Ive attempt for the last time to contact them Which I now found out that there is a car somewhere in my name that is not mine and Im being asked questions and not being provided with any answers.
Product: Credit reporting or other personal consumer reports

I am demanding the removal of inaccurate information from my credit report. These entries are clear violations of my rights under the Fair Credit Reporting Act ( FCRA ). Under Section XXXX ( b ), credit reporting agencies are required to maintain maximum possible accuracy, and these errors blatantly fail to meet that standard. I expect an immediate investigation and correction of these inaccuracies. 

Moreover, under Section XXXX ( a ) ( XXXX ), I am entitled to obtain verifiable documentation about the source of this erroneous information. I expect this to be provided without delay. If you do not reinvestigate the disputed items within XXXX days, as required under Section XXXX ( a ) ( XXXX ), further action will be pursued. 

Failure to correct these errors will result in legal action. This correction is not just an obligation, its necessary to prevent further harm to my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have provided documentation to credit bureaus and company to show I turned my lease on time and had made all monthly payments and paid excess mileage and damage. I was given an amount to pay within 120 days from letter received which I did. I paid {$3700.00}. Last lease payment was due in XX/XX/2018 and paid on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiry wasnt authorized by me.
Product: Checking or savings account

I did a wire with Wells Fargo bank using the same exact template that I saved in their system to Wire money in the past so that I can purchase products for my business. The wire per Wells Fargo should arrive by XX/XX/XXXX but they never send the money to the recipient and I file a claim to return my funds. I was given a complaint number but they kept giving me inconsistent response regarding when my funds will be returned. 

When I tried to transfer the rest of my funds to my other business account after I verified the account was mine they decided to completely shut me out of the system even after I received a call from their rep to verify the transaction. As of right now I do not even have access to my account at all and Ive tried several times to get help so that I can just have visibility to my account to see whats going on but still theyre not allowing me. I had about {$15000.00} at the time they lock me out. I initiated a {$10000.00} transfer which I believed triggered them to lock my online access which is still pending in the other business account at a different bank and Im afraid theyll not release the hold on that XXXX too and theyll just try to con me out of my clients money My wire that I initiated was for {$25000.00} and I need my funds back to continue doing my business.
Product: Debt collection

I believe that it is a fraud. The name of the company is phoenix financial XXXX. They called me using the phone number of XXXX with my name and asked for my date of birth for verification. I asked why, and they told me that it was about a medical transportation bill with the correct hospital names, which I did stay in during that time. They said that I still owe them the fees for transportation, and I asked them why since I believe my insurance took care of it. They told me that the insurance paid their balance but I still owe mine. Then, they directed me to a website of www.phoenixfinancialsvcs.com to pay. When I went into the website I was told to click the pay your bill online button. After I clicked it, I was directed to another website of XXXX/phoenixfinancialXXXX Then I was told an account number and to click the continue button after typing in the number. I saw a balance but no corresponding bill. When I asked for the bill, they just hung up.
Product: Credit reporting or other personal consumer reports

I am writing in response to your communication regarding the credit card debt referenced above, which you claim I owe in the amount of {$1000.00}. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you validate the debt you claim I owe.

Please provide me with the following information : 1. The amount of the debt, including any interest or fees.

2. The name of the original creditor to whom the debt is owed.

3. A copy of the original credit card agreement or contract that demonstrates I am responsible for this debt.

4. A detailed breakdown of any interest, fees, or charges added to the debt.

5. Proof that you are authorized to collect this debt in my state, including any relevant licensing information. 

Until you provide the requested validation, I request that you cease any further collection activities, including reporting this debt to any credit bureaus. 

Please respond within 30 days from the date of this letter. If I do not receive the requested documentation, I will consider this debt invalid and may take further steps to protect my rights. 

Thank you for your attention to this matter. I look forward to receiving the requested information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I didn't open any of these accounts I am apostate this is happening to me, please remove this from my credit report thank you. This is Fraud and every level and this need to stop I'm very stressed out that this is happening to me again please remove this from my credit thank you in advance.
Product: Credit card

Ive had three Capital One credit cards for about five years two of them are {$500.00} limits. One is a {$300.00} limit. I make the minimum payment or more every month and Im still the same high balance. I keep getting it with very high interest and illegal late fees.
Product: Payday loan, title loan, personal loan, or advance loan

One Main Financial sales practices, I was informed that I could not get a loan unless I signed up for option products. I have been paying interest on loan for a significant amount of time.
Product: Credit card or prepaid card

I purchased a Google Play Gift Card from a seller on an online marketplace ( XXXX ). I have purchased numerous codes from other users and redeemed without issue. Lately ( XX/XX/2019 to the present XX/XX/XXXX ), Google has been requesting info and images ( picture of the card, picture of the receipt and proof of residence ) before the code can be redeemed. This is being done in attempt to prevent scammers and fraud activity. I have very little issue with this process should I receive a timely response. However, various attempts to resolve via Google 's process has resulted in zero response from whatever specialist team is assigned to investigate these claims. There are also no escalation channels available. Any contact made via Google 's intended channels is a dead end, resulting in the canned response of " nothing we can do until the specialist team responds. '' Therefore any money spent on these cards/codes is essentially held ransom ( essentially theft ). This is an absurd process that Google has no legitimate response to. With all the intelligence that accumulates at a company ( which data mines all their user base ), one would think a more streamlined process could be created.
Product: Bank account or service

WellsFargo closed my Personal and Business account without a notice or a warning. 
I went to a branch to withdraw some cash and the teller informed me that both my accounts ( Business & Personal ) have been closed by WellsFargo. 

I called WellFargo Risk management more than 10 times to get information about my account closure, they could not give me a proper answer. 

The Risk management called me days after my account closure, said they will hold the funds in my account for a couple of weeks, then send me a cheque for the remaining balance. 

My business is legit, registered, licensed and comply with XXXX programs.
Product: Debt collection

Merchants AD is reporting two accounts on my credit report that I do not recognize, one account with XXXX XXXXXXXX XXXX and another with XXXX XXXX XXXX. I wrote a letter to Merchants AD requesting that they validate these two accounts. I did not receive a response from the company. However, these two accounts are still reporting on my credit report.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that I had two late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshots inside this complaint in on dates of XXXX XXXX XXXX. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks! Please see screenshots attached :
Product: Student loan

Received an electronic statement from my Federal Parent Plus loan servicer NAVIENT. The statement details that accrued, unpaid interest can ( after a grace period ) be tacked onto the principal. Nowhere in the statement is there language about forbearance on Federal Loans of accrued interest due to the CARES ActCOVID-19 Relief. I asked the rep from NAVIENT on the phone and he said in fact the accrued interest will not be added to the principal ( missing from the statement ) and that it will just be an unpaid balance added to the principal & not subject to interest charges. He said the interest listed was accrued prior to XX/XX/20. 
My complaint is the average consumer receiving this statement ( absent contacting NAVIENT XXXX would have no idea that the accrued interest listed will NOT be added to the unpaid principal and subject to additional interest charges. This is based on the reps statement and nothing in writing to date. I filed a formal complaint with NAVIENT. 
This lack of specific language seems very vague & deceptive. In addition, there is no language in this statement regarding the affect of COVID-19 relief on consumers loan balances with the servicer. Thank you.