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

I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may very well violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises my concern about consumer protection laws, and I'm requesting your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has removed the inaccurate XXXX Account from my file. Can you please do the same. 

Thank you!
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at 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 the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am uploading a letter from XXXX XXXX in regards to the XXXX account reporting on my credit reports. I have been disputing this account that it does not belong on my credit reports. The investigation was completed and shows proof the account is to be removed
Product: Credit reporting or other personal consumer reports

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint. 

Items that need to be disputed : XXXX : XXXX XXXX  Account Number : XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX - ChargeOff 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 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 XXXXy XXXX XX/XX/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 Account Number : XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX - ChargeOff XXXX. XXXX Account Number : XXXX Balance Owed : {$1500.00} Date XXXX - Late/Open TransUnion : XXXX. XXXX XXXX  Account Number : XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX - ChargeOff XXXX. XXXX Account Number : XXXX Balance Owed : {$1500.00} Date XXXX - Late/Open
Product: Debt collection

XXXX continues to call me every day to try and get personal information without telling me what it is needed for or what the company 's business is. I looked the number up on the internet and it says they are debt collectors, United Recovery Services. I do not have any outstanding debts and confirmed with my credit report. I asked for them to stop calling and they have not. They have asked for SSN but would not tell me why they needed it. They have called my XXXX year old grandfather in-law requesting information. They have called me on my company phone which is owned by a federally recognized tribe. They call multiple times in a day even after hours. I would appreciate any help to get this to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

In compliance with the FCRA, I demand an accurate report on my consumer credit file.

You have, yet again, failed to do so. Noting your last major impact to my consumer credit file, you brought your inaccurate information into the current year. This has negatively impacting my familys financial life. Now, with your latest correction, you have brought your inaccurate information to the wrong month that you claim is correct.

At this point I demand the information be removed until such that you can provide proof as required by the FCRA.

Your shameful lack of responsibility in regards to how this drastically impacts consumers lives is entirely unacceptable. Please do your job as required by the law and accurately report to all three credit bureaus immediately.

Please note that any further negative and inaccurate alterations by yourself or your company will result in a public civil suit for damages to the full extent of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get my Equifax credit report since yesterday and I can not get the full report, the website only shows me a summary of the information on the report. I am currently enrolled in college and they are requesting my equifax credit report for my scholarship and financial aid so its very urgent that I get my full report asap. I have tried the freeannualcreditreport site but when I got to the end the screen closed out and did not let me save my credit report and when I tried to get it again it said I couldnt because I already got one. So then I went straight to equifax website and tried to get credit report there. They advertise that you can get your free credit report but they do not allow you to get an actual report, you can just see a summary of the information and have to click each tab to see individual information. I tried tro send that to my financial aid department but they declined and said they can only accept the full report. I then paid for equifax complete which advertise being able to get free credit report daily but again its not the actual report. I called equifax customer service and had someone try to walk me through the process of downloading the full report but in the end he said they do have an actual credit report and that was the only way I could view the information. That is deceptive as their site states different and I honestly will pay for it, the report being free is not the issue there is literally no way for me to get my equifax credit report because even when I paid for it I could only view it summarized on the website. This is a time sensitive matter and I dont understand why I cant even pay for my credit report especially since I have recently been a victim of identity theft.
Product: Mortgage

I had a loan modification approved by XXXX around XXXX and before I could make my first payment, I was transferred to shellpoint, then I made a payment and they sent it back, that I had to reapply with them. so I reapplied and have been going through XXXX with this company and have sent a ton of papers there. they also never told my wife anything about foreclosure and told me I was safe that XXXX XXXX had stopped in time to finish all the paperwork. this was fraud and these people do not care and left a message for a supervisor to call and that did not happen either. I also inherited this property from my parents, that is XXXX reason I want to stay here, need help
Product: Money transfer, virtual currency, or money service

Citibank has issued me a fraudulent cashier 's check for {$1200.00}. I have requested on numerous occasions they refund my money through accounts that I have provided them. This morning a bank branch manager where I tried to deposit it informed me that that check was a blank ; there were no funds on it as it has been placed on hold for fraud. Citibank is continuing to hold my money which contains my monthly Federal pay from the VA. I have informed them they are not supposed to be doing that and keep requesting my pay. This check was issued in early XX/XX/2022. 

Customer service is nonexistent as they lie, hang up the phone on people and so forth. There is not even a person of contact for this situation. I am planning to file a police report on Citibank for this.
Product: Credit reporting or other personal consumer reports

I believe that this account was associated with a different person with the same name and address as mine and merged the file. Under FCRA, you are required to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 
COMENITYBANK/ XXXX XXXX. It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law
Product: Mortgage

I have a mortgage with Ditech Financial LLC. I made my XXXX mortgage payment on time as usual, actually a few days early. When looking at my statement for XXXX I see a double payment due. I checked my payment history and found my XXXX payment was applied as a principle payment instead .I made my regular payment for XXXX. I called ditech and asked why and how this happened and was told they don't know. I asked for the payment to be reallocated and I was told they would. Since then I have called them 6 times with up to 20 minutes hold time because I keep getting told they will take care of this and they have not. Today XX/XX/18 I called again they said we are still waiting for your allocation to go through. I said I have waited a month now this will damage my credit score. I asked for the supervisor and was told he was busy with other customers. I asked for his direct number. I called a supervisor named XXXX XXXX got voicemail left a message and no return call. It is now XXXX XXXX. 
Secondly, .I have some kind of 2 % interest rate loan through the government. I got a letter saying due to my timely mortgage payments I will get a {$5000.00} principle payment on my loan. I had to fill out the Dodd Frank form  they sent me an I mail it in XXXX. I called they said they never got it. Sent it in again I was told not the right form ( which I got from them ). Third time sent me the same form I filled it out and downloaded a Dodd Frank form I found on line filled that out also and sent it certified mail. I got the receipt showing delivery on XX/XX/18. Called to confirm I'm told they don't have it. The form has to be done by XXXX or I will forfeit the payment. Due to these incidents and lack of any resolve I charge that Ditech is purposely trying to not have to pay the {$5000.00} by claiming to not have received the proper paperwork and intentionally not applying my payment to make it look like I have fallen behind which would also negate getting that principle payment. Now they are talking about foreclosure? I am fighting a giant corporation and really need your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : accounts not mine XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$900.00} Status Closed. {$88.00} past due as of XX/XX/XXXX. 
XXXX Potentially negative Date opened XX/XX/XXXX Balance {$3900.00} Status Account charged off. {$3900.00} written off. {$3900.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. {$100.00} written off. 

FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type Single family XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of certain closed accounts from my credit report. Upon reviewing my report, I noticed that the following accounts are still listed, and I believe they should be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Since these accounts are closed and no longer active, I kindly request their removal in accordance with the Fair Credit Reporting Act ( FCRA ). Removing these accounts would help ensure my credit report reflects the most accurate and updated financial information. 

Please investigate this matter and confirm the deletion of these accounts in writing. If additional information is required, do not hesitate to contact me at the provided details. 

Thank you for your prompt attention to this request. I appreciate your assistance.
Product: Mortgage

I had a home equity line of credit. The line was closed and the the amount of the money borrowed from the line was created into a new loan when the house the line was associated with was sold. I have made the agreed upon monthly payments since the terms of the new loan was established. This loan is reflected as being " charged off '' and " delinquent '' on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

It occurs that my credit report has been compromised. Again, I was going through my files & noticed these items that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any information or items which were found to be opened due to identity theft. The disputed items do not belong to my file. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these items : XXXX XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$260.00} ; XXXX XXXX Balance : {$14000.00} ; XXXX XXXX XXXXXXXX Balance : {$720.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1800.00} ; XXXX  XXXX Balance XXXX {$35.00} If you feel there is a possibility these items belong to me I will require all documentation which bear my signature ( another research item I found that requires you to verify with 100 % accuracy that these items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that needs to be removed in my file : XXXX XXXX XXXX XXXX, GA XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX {$18000.00} ; XXXX XXXX XXXX XXXX : {$660.00} ; XXXX XXXX XXXX XX/XX/2022.
Product: Credit reporting or other personal consumer reports

I appreciate your assistance in removing a section of my credit file related to fraudulent activity. There are still items that should be deleted. Under FCRA Section 605, you are required to remove any inaccurate records. I have already included this documentation in a previous letter, and I am resubmitting it for your reference. My attorney is aware of my intentions, and they are prepared to hold you accountable for continued non-compliance. 
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: Credit reporting or other personal consumer reports

i ve been living in XXXX for years and i came back a month ago to see my kids and my son checked my credit report and found fraudulent accounts and this is improper use of my credit report. in accordance with with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602, states i have the right to privacy, 15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. under 15 USC 1666B, i contacted all of them and showed them that i ve been living outside the united states for over 10 years and no one responded to me XXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint because the debt from XXXX XXXX XXXX XXXX ( Account # XXXX ) does not belong to me. I signed the lease with the original creditor, The XXXX at XXXX XXXX, due to me being XXXX at the time. However, I did not provide them with any financial statements ( bank statements, pay stubs etc. ) to hold any accountability for payment. The financial statement attached does not even include my name and it is signed by the apartment manager. This is terribly ruining my changes of finding housing and I was like this is to be investigated. If no financial records show that I am financially responsible for this debt, I would like it to be removed asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX and Transunion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which statesthat continued reports of the unverified information without any proof provided, within thetime allowed by law, is not authorized. The account listed below is still reporting on myCredit Reports and needs to be CORRECTED immediately : XXXX XXXX XXXX
Product: Checking or savings account

I was scammed by someone in Florida when I stay in Mississippi on  XXXX   XXXX  ,2017. The y took {$730.00} off my card and I have not received the money yet and it 's  XXXX   XXXX  ,2017. Ini tially they told me it would tak e 30  to 45 days to dispute this matter and today they tell me it  will 45 to  90 days. They are giving me the run around and not being truthful!! I need help
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been trying to resolve this issue for months. I sent in a letter on XX/XX/XXXX and another on XX/XX/XXXX. Prior to that I've made multiple calls and nothing has been resolved.
Product: Student loan

For a very long period of time, years in fact I was unable to pay my monthly student loan payments. Several times I had called the lender XXXX/Navient in an effort to have my payments lowered. There were times initially that they mentioned I could just pay the interest amount on my loan, but even that amount was too high. There were also several times where I would present all of my living expenses to them to show what my monthly income was, and I was told that I made too much money and that my loan had to be placed in forbearance so I did n't make payments on it. These actions ultimately raised my interest amount on the loan. It was n't until recently in the last year that I was able to set up my loan on auto pay from my account monthly after several years of trying to lower my payment. Only now is my income substantial to make these payments.
Product: Credit reporting or other personal consumer reports

I was not helped. I have a police report on file and was trying to file a dispute. The same woman answered my calls every time I call and tells me due to her system she can't access it and as a result she refuses to file my dispute every single time. She refuses to process my disputes. And TransUnion does not have online dispute access, or they are refusing to allow me to submit disputes.
Product: Credit reporting or other personal consumer reports

Equifax is currently reporting negative information as a violation to federal laws. The U.S. Bankruptcy Court for the Northern District of Georgia stated that they did not provide information to Equifax and neither did I XXXX XXXX provide information or give them permission to report information. I dispute the validity of the debt that you claim I owe and request that you provide verification of the debt, including the original creditor 's name and address, the amount owed, wet ink signature, My fingerprints, Original contract. Until such time as you provide verification of the debt, I am exercising my right to cease and desist all reporting activities. Please furnish evidence and proof not statements on how you verified the debt. Statements are hearsay in the court of law. Please do not send any statements. I will question the authenticity of any statements sent. I demand removal for failure to produce the original contract. It is alleged debt until it can be proven. With no supporting evidence it must come off the report. Failure to complete request I will sue for each violation not limited to but including reporting information without my consent, invading my privacy, and defamation of character under permissible purpose ( 15 usc 1681 ) In closing, please acknowledge receipt of this letter and confirm that you have ceased all reporting activities on this debt. Failure to comply with this request will result in further legal action.
Product: Debt collection

I would like for the PORTFOLIO RECOV ASSOC to show proof of verification that I owe them {$460.00} with ACCOUNT # XXXX. As of date, you have not provided me with a 1099c for my review and my records. I am asking that you do this now. 

In addition, if you reported this alleged debt as a loss to the IRS, I request that you pull this account back from any collection agency you may have placed it with or from any debt buyer you may have sold this to. 
Please provide this within 30 days. Until this has been provided, I am requesting that any negative reporting to my credit by your company or any company trying to collect this debt is immediately stopped.