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

Since XXXX CapitalOne has not properly reversed a check that was incorrectly deposited in a CapOne account. After a month of phone requests, the check shows as reversed but funds have not been sent back to the original institution. I have spoken to reps multiple times and tried escalating but to no avail. Since this money needs to be deposited into an IRA account, I am at risk of additional taxes and penalties. Details below. 

I received a pension fund payout check made out to XXXX XXXX ( my name ) and deposited it via the app into my Capital One checking account by mistake. I should have sent that to XXXX for deposit in my retirement account. Shortly after realizing my mistake, in late XXXX, I called CapOne and asked that the deposit be reversed, explaining that the check was not properly for deposit in my CapOne account but rather for my XXXX retirement account and in fact should not have been accepted by CapOne because the check was made out for XXXX XXXX XXXX ( For Benefit Of ) ( my name ).. 
Over the next month I made repeated attempts -- at least XXXX times -- to get the check reversed, by calling CapOne ; each person I spoke to understood the situation and assured me it would be rectified. Repeatedly it was not. I called and spoke with representatives and their supervisors at least XXXX times from XXXX through XXXX. This was a constant struggle and used a great deal of time -- first holding on a line to speak to an agent, then explaining the situation, being told the funds would be reversed within the next few days and then realizing the funds had not been reversed. The funds now show as reversed in my account XX/XX/XXXX as an " adjustment debit. " In order to get the check properly deposited at XXXX I began calling the Fidelity XXXX XXXX, who originated the check. They have repeatedly informed me that the check can not be reissued since their system shows the original check has cleared and no funds have been reversed back to Fidelity. Unfortunately, if the check is not deposited with Fidelity and then XXXX I will have to pay taxes and a 10 % penalty on the amount of the check. On XX/XX/XXXX, I began contacting a contact name I found of CapOne 's website -- asking that the matter be escalated and again explaining the situation. I am attaching a word document that contains copies of these Emails. Fidelity says they can not help me as the funds have not been reversed to them and the check shows cleared on their side and the funds have not been reversed back to them. 
But the check shows as reversed on my CapOne account. I have contacted the person at CapOne repeatedly for escalation and redress but have not heard anything from CapitalOne to date.
Product: Debt collection

I missed 2 months payment on a XXXX credit card owned by XXXX XXXX. That was XXXX and XX/XX/XXXX. When I attempted to pay on the third month, XXXX, my account was closed. I was told by the representative that my account was closed and sold to a debt collector. I requested the information of the debt collector so I could begin payment but was told they did not have that information. The representative told me the collection agency would be in contact with me. I made several attempts monthly to find out from XXXX who I could pay. I finally gave up and waited to hear from the debt collector. In XXXX of XXXX by an attorney 's office by the name of Emmett L. Goodman, Jr. The young lady representing XXXX XXXX was very rude and threatened to garnish my wages. This is in violation of my rights as it was well past the required 5 day notice of acquiring my debt. This was 2 years after the fact. I explained I tried to pay and worked out a payment arrangement. They demanded I provide my banking information over the phone to set up payments. I told her that I was uncomfortable with doing that but if she could provide me with the address and other information, I would be glad to mail certified funds each week. She argued and then after a while stated it would be sent in the mail. I called each week to get information on where to send my payment and was told " it is in the mail. '' I never received anything. In XXXX of XXXX, I was served with an intent to garnish my wages. The amount owed was inaccurate. It was well over what my initial debt was. At that time I owed {$1000.00}. They were charging me over {$1500.00}. I asked if I could settle with {$1500.00}, {$500.00} more than the debt, and was told, " no. '' The garnishment did not go through as I was under another Garnishment that I agreed to. Both of these Garnishments were sent through XXXX XXXX. In XX/XX/XXXX, I was served with another XXXX through XXXX XXXX by the same attorney but now for over {$1700.00}. My rights have been violated by not notifying me on a timely manner of the purchase of my debt, not providing me with a reasonable accommodation to repay my debt, egregious charges being added because of change of jurisdiction, and rude behavior all around. This is one of two debts I owe to XXXX XXXX  and that was bought by this attorney. The other was a XXXX card. The same details with the XXXX card can be given for the XXXX as both were closed at the same time for the same reason and originally owned by the same bank and then sold to the same attorney. The XXXX card had a balance of {$500.00}. Now the attorney is charging over {$800.00}. The payment arrangement set up with the XXXX debt also included the XXXX. Two amounts were to be paid weekly but payment information was never sent for either.
Product: Credit card or prepaid card

To Whom It May Concern : I have been trying to pay this account off for the past four years. First of all, this is a debt I did not willingly get involved with. It occurred when I went to a local dentist to get a discount on XXXX XXXX ( XX/XX/2015 ). However, while I was there, upon examination, I was told that I had a horrific problem going on inside my mouth. The conclusion was with the hygienist telling me that I need not worry about the money to pay for the work. She then called the administrator into the room who discussed with me how the bill could be paid for later, never ever letting on that she was referring to a credit card. At that time I was thinking that she was offering me a term of credit where I could pay the bill ( to the local dentist 's office ), a little at a time until it is paid off. Still I had no idea she was offering me a credit card. Next thing I knew, there was a colossal bill, including a mound of charges such as interests, late fees & other fees, as they saw fit. I was thinking like how will I ever be able to pay this off. We agreed on me paying {$44.00} a month, then later I raised it to {$52.00} a month. However, my son came to live with me during this time and I had a hard time trying to pay this amount, but I did it anyway, trying to get from under. As it turned out, I increased the amount to {$80.00} trying to pay it off. However, it seems like the more I pay, the harder it gets to pay this credit card off. There were so many late charges and interest charges. So far, I have paid $ 800+ over the past several years ( for the past 4 years ), and seems to be no light at the end of the tunnel. I am now turning to you for help, as I believe I have actually paid this bill off, but due to the enormous fees I am paying every month, it seems impossible to ever get from under the balance and truly see this bill as paid in full. ( Since I had work done on my mouth 4 years ago, I have never used this credit card again! )
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022. I checked my credit score on XXXX XXXX and saw a Credit Card opened on XX/XX/2022, for a credit limit of {$4000.00} that was XXXX  % used up that I had never opened and had never used. This told me that someone stole my information to open this credit card and that I am being a victim of Identity theft. This caused my credit score to drop XXXX points. I already contacted the bank in Oregon, XXXX XXXX XXXX XXXX, to let them know this credit card was open fraudulently and that it was identity theft. I as well contacted all three credit bureau to let them know that I was a victim of Identity theft and put a fraud alert on my credit and as well dispute this Credit Card and restore my credit score.

I contacted my local police department to make a report. The officer in XXXX told me to file a complaint with IC3.gov, which I did.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2019 Bank of America has reported a new charge off every month so my account is now showing 14 charge offs. Additionally, I am paying as agreed with their collection agency after trying many times to work out a deal with them. There was only one charge off. I reported this and received a letter stating that the investigation was closed and the information was correct. This is the pinnacle of UNFAIR credit reporting and I request that you require them to accurately report that there was one charge off in  XX/XX/2019. Absolutely show my past due amount in fact, I am also paying as agreed.
Product: Credit reporting or other personal consumer reports

I previously wrote you to investigate and verify a bankruptcy listed on my credit report and I received a response that the bankruptcy was verified with the bankruptcy court. 

I contacted the U.S. Bankruptcy Court courthouse to verify their information release policy. The court informed me that they do not provide anyone with a debtors full social security number and they do not provide ANY credit bureau ANY information about ANY bankruptcy cases. I have included a copy of the response from the courthouse for your reference. 

It is quite clear that someone from Experian lied about verifying this bankruptcy with the courthouse. That is a violation of the Fair Credit Reporting Act ( FCRA ). 

As you know, it is also a violation of the FCRA to report inaccurate or unverifiable information on a credit report. Thus, I demand that you IMMEDIATELY REMOVE the following bankruptcy from my credit report : " XXXX XXXX Bankruptcy '', Docket # : XXXX Please respond to me in writing once this removal has been completed. 

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

I was just looking over my credit report and found some inaccuracies This company has not reported items on my credit report correctly. discrepancies on each bureau. The dates are incorrect from each bureau. I have tried to resolve this issue with this debt collecting company and they have yet to delete the item from my credit report. I have reached out multiple times and they have shown no proof off who acquired this account
Product: Credit reporting, credit repair services, or other personal consumer reports

have sent 2 certified letters asking all credit reporting agencies to VALIDATED ( not a verification ) this account with proof of the Certified copy of the TRUE BILL ( not a statement ) and copies of Original documents with my ( Wet Seal Signature ) on them nothing has been sent to me showing the account was VALIDATED or Original Documents showing my Wet Seal Signature with certified copies of the TRUE BILL ( not a statement or a verification ) I Now Demand these request to be placed on file that I have requested these items that have been ignored the credit agencies told me that they closed the cl as I'm stating it had nothing to do with them the account was valid I NEED THIS ACCOUNT TO BE VALIDATED, WITH THE ORIGINAL WET SEAL SIGNATURE SHOWN ON ORIGINAL DOCUMENTS AND A CERTIFIED COPY OF THE TRUE BILL to be sent to me i was told it was left up to the company to send me that I never received that information that was requested and the creditor closed the case as completed and VALIDATED this creditor also needs to update the address on accounts to XXXX XXXX XXXX XXXX XXXX XXXX California XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

to whom it may concern : A collection account is showing in my credit ( XXXX XXXX ), I have contacted the company several times and had filed a CFPB complaint .this company ( XXXX XXXX  ) had responded that they do not own this accoun, this is innacurated reporting by the credit reporting agency ( equifax ). 
this account should be removed inmediately from my credit report, for it to be a violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/XXXX I have written XXXX several times to get this issue resolved. They are counting to report duplicate fraudulent accounts. I have been disputing XXXXXXXX XXXX  charge for a {$3600.00} account being reported at {$8000.00}. I don't have account number. I have repeatedly disputed this charge for 3 years and it is also contacted each creditor bureau with proof and also contacted XXXX several times. Now the account is showing twice on my credit report. I have asked how this information is being verified as I have provided proof that it was not me. This is detrimental to my credit and I have exhausted ways to have it resolved. 

XXXX is also showing a duplicate collection account for XXXX XXXX XXXX XXXXXXXX XXXX, for {$190.00} which is also a fraudulent account and I have disputed this charge and it is showing twice. I have contacted XXXX as well as XXXX to verify that this was not me. The car they are referring to being insured is not registered or owned by me and I have never had insurance with this company. Have been fully insured for the last 5 years by XXXX. 

I would also like a resolution with Freedom Plus. It is showing a charge off account for {$9500.00} I have disputed this charge and also provided documentation of fraud. I have contacted the creditor as well as they have sent it to collection which has resulted in anther negative account for XXXX XXXX for {$9500.00}. I have disputed this collection and have contacted XXXX monthly for the past 2 years. The collection agency has sent it to another collection office of XXXX XXXX XXXX for {$9500.00} as of XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly contacted equifax as well as XXXX about a collection company. ( XXXX XXXX XXXX ). In XX/XX/XXXX I filed for bankruptcy. In XX/XX/XXXX I received a discharge. XXXX is a debt that was successfully XXXX. However XXXX changed the effective date of debt to reflect as if the debt accumulated post bankruptcy. The collection account appeared on my credit 8 months after bankruptcy dates XX/XX/XXXX. I have submitted at least two investigations with XXXX   and was told to forward a copy of the discharge to insure that the original debt was discharged. I have submitted those documents and still it's on my report. I've submitted the same paper work to equifax on three different occasions both mail and fax and each time they've claimed to not receive them. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had a continuing problem with Experian not supplying credit information to banks and companies when I have tried to open bank accounts and credit accounts. They say they have no information about me. This problem has been going on for years and Experian has not been responsive to my many attempts to correct it. I have been rejected for accounts at XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX XXXX XX/XX/XXXX ), XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), and most recently for a credit card processing account. This has taken so much of my time in the past that I have simply given up. I have even sent them copies of my credit reports from other credit bureaus, including a 112-page report from XXXX that showed over 38 years of credit history. Now it is affecting my ability to operate my small business so it is imperative that Experian correct the problem.
Product: Debt collection

Okay so I am a XXXX XXXX  XXXX veteran. I received a letter dated XX/XX/XXXX on XXXX XXXX. It says I owe a debt that was from my chapter XXXX bankruptcy. I try to Call the number XXXX and no one picks up. Then it says they are too busy but to leave a message and can not leave one at all. Last year I had another debt collector harass me and try to collect on this debt. I took care of this once I noticed it was on my credit report and sent in my chapter XXXX bankruptcy discharge paperwork to all crediting agency 's in XX/XX/XXXX my dispute was completed and it was changed from a collections to a chapter XXXX bankruptcy. So this debt was already tried to be collected on from another place. How this place Credit control LLC got my info from XXXX or whoever baffles me I took care of this a year ago. I am in the process of buying a house and if this agency hits me with a collections I will not be able to purchase my house two years after recovering from my bankruptcy. To make things worse I am a XXXX XXXX XXXX XXXX XXXX XXXXXXXX retired veteran. Credit control llc XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX is trying to collect a collections debt that is not even on my credit report its like they made it up or something its insane I had my credit report fixed last year and it says it was discharged due to chapter XXXX bankrupcy. Please help me resolve this.
Product: Debt collection

I was continued to be billed after closing my XXXX account # XXXX. After numerous messages to XXXX this error was cleared up and there was agreement I had a paid up account. Now some 6 months or so later I have received a notice to collect from Radius Global Solutions for the amount of {$81.00}. I will not pay this amount. In fact, after all the XXXX  your company had put me through I will give you two choices. Remove the collection immediately, or give me contact information for your legal department so I can proceed with legal action. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX and XXXX are showing several accounts that are not mine and a result of identity theft / fraud. 
I am prepared to file suit against all 3 bureaus as this is causing a lot of conflict when I am applying for things. 

XXXX : XXXX XXXX XXXX : open XX/XX/XXXX balance 0 Charge off XXXX account resolution S : open XX/XX/XXXX Balance {$1800.00} Collection XXXX XXXX XXXX XXXX : Open XX/XX/XXXX Balance {$540.00} Collection XXXX XXXX XXXX : Open XX/XX/XXXX Balance {$4800.00} Collection XXXX XXXX XXXX : XX/XX/XXXX Balance {$1900.00} Collection XXXX : XXXX XXXX XXXX : open XX/XX/XXXX balance 0 Charge off 2 times on report XXXX XXXX XXXX XXXX : Open XX/XX/XXXX Balance {$540.00} Collection 2 times on report XXXXXXXX XXXX XXXX : Open XX/XX/XXXX Balance {$4800.00} Collection 2 times on report / XXXX account resolution S : open XX/XX/XXXX Balance {$1800.00} Collection XXXX : XXXX XXXX XXXX XXXX : open XX/XX/XXXX Balance {$1800.00} Collection XXXX XXXX XXXX XXXX : Open XX/XX/XXXX Balance {$540.00} Collection XXXX XXXX XXXX : Open XX/XX/XXXX Balance {$4800.00} Collection XXXX XXXX  XXXX XXXX XXXX XXXX : XX/XX/XXXX Balance {$1900.00} Collection XXXX XXXX : XX/XX/XXXX {$530.00}
Product: Debt collection

This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXX XXXX XXXX
Product: Debt collection

Old landlord is attempting to collect a debt from 2014 for missed rent. After moving out, all deposit money was returned. Landlord took us to small claims court. Judge gave a judgement and the judgement was paid for. Landlord continues to attempt to collect a false debt.
Product: Credit reporting or other personal consumer reports

It is enshrined in the annals of the Fair Credit Reporting Act, under the category of 15 USC 1681 section 602 ( a ), that consumer reporting agencies have the solemn duty of guarding the fairness, impartiality, and respect for consumer privacy in their line of work. In this scheme of stakeholders, esteemed institutions such as XXXX, Transunion and XXXX operate as consumer reporting agencies and I, the undersigned, fall under the category of the consumer.XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$17000.00} Inaccurate Address : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX TX XXXX XXXX XXXX Balance : {$6100.00} XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX.
Product: Checking or savings account

XX/XX/2020 chime bank closed my checking account with XXXX remaining funds and my savings account with XXXX in it chime will not send them back to the issuer or to me. They are now saying that they will no longer discuss my account with me.
Product: Credit card or prepaid card

On XX/XX/2023 I TRYED TO GET {$100.00} FROM A ATM MACHINE IT SAID BANK UNAVAILABLE THAN I SAW WISLEY CARD CHARGED ME SO I STARTED MY DISPUTE FOR {$100.00} {$3.00} BEING WHAT THEY CAHRGED TO FOR THE ATM TRANSACTION AND {$100.00} FOR THE MONEY THEY CHARGED ME BUT WASNT GIVEN TO ME AFTER WAITING I CALLED BACK XXXX XXXX AND FROM THERE TO NOW THEY HAVE BEEN TELLING ME EVERY DAY THAT THERE GON NA EXCULATE IT TO CALL BACK IN 1 TO 2 BUSINESS DAYS THATS WHAT IVE HEARD FOR A WHOLE WEEK NOW I CALL AND THEY SAID THERE CLOSING MY DISPUTE, THEY ENDED UP GIVEING ME CREDIT FOR {$3.00} AND SAID THAT THEY DID THE DISPUTE WRONG AND ONLY DISPUTED THE {$3.00} INSTEAD OF THE {$100.00} BUT STILL NEVER GAVE ME THE CREDIT FOR THE {$100.00} AND NOW THERE CLOSING MY DISPUTE WHICH IS CRAZY BECAUSE WHY WOULD U JUST CREDIT ME THE {$3.00} WHY NOT CREDIT ME MY {$100.00} SO THEY HAVE MY MONEY AND DONT PLAN ON GIVING IT BACK TO ME IVE BEEN TALKING TO SUPERVISORS AND THE SUPPORT TEAM SAME THING EVERYDAY I NEED HELP I NEED TO GET MY MONEY THEY TOOK FROM ME.