23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have opened my Capital One XXXX XXXXXXXX credit card in early XXXX. I am fairly new to the United States and had some temporary payroll issues with my new employment in addition to months worth of debt I had to resolve over the past few weeks. Thats why I had some returned payments in my Capital One account. I have informed Capital One about my financial issues and was told that I can just make new payments once my situation improves, but I have to pay attention to the minimum payments due date. Over the last week, we got our payroll situation resolved and my financial situation has returned to normal. 
Now that my financials are looking much better, I wanted to finally pay off my credit card balance of {$290.00}. However, upon opening the Capital One app, I noticed a small warning that my credit card account is restricted. I immediately called Capital One on the phone and was informed that my account has been closed for a violation of the XXXX XXXX. 
This makes me deeply concerned. I have been transparent with my temporary financial issues, was assured that this is not a problem as long as at least my minimum payment of {$25.00} is paid by XX/XX/2024. I have not overused my credit in any way. I have also reviewed the cardholder agreement and can not explain myself, why I was violating any of the terms stated. I understand that the bank has the right to close clients accounts at any time for any reason, but this is not how a bank like Capital One should treat new customers. Im trying to build my credit, XXXX trying to establish positive payment history but I just had temporary financial issues over the past few weeks. After looking into my Capital One account again, I have noticed a Fraud letter suggesting that Capital One is accusing me of fraud. Im out of words. This decision to close my account will also add substantial damage to my credit profile, which will make my life much harder considering I am new to XXXX and dont have much credit history yet. 
I dont feel treated well by Capital One in this matter and no one ever contacted me, or talked with me about this issue. It was the opposite, I was told that the returned payments I had are not a big issue and as long as I make future payments on-time, there will not be any reportings to my credit. 

Please refer to the attached letter for more information.
Product: Student loan

Got set up with XXXX XXXX in XXXX NY at age XXXX. I am XXXX and am in crippling debt of {$28000.00} and its in default. I have no job currently and in the year of XXXX I worked at XXXX in XXXX NY and was constantly harassed by collections while at work. I had no idea about the law suit against XXXX till after the deadline of XXXX XXXX XXXX to file a claim. I was young at XXXX too young to understand how big of a life changing decisions i was getting into and XXXX made things seem like a dream for a young XXXX. I now live a poor and every day struggle. XXXX Debt, Jumping XXXX job to job, Poor credit out the gate of adulthood and nothing/no one to help me understand what is happening or what to do. I need to start over thanks to the Education Department. They XXXX my life before I knew what to do with my life.
Product: Payday loan, title loan, personal loan, or advance loan

Was sold to an agency and the issue was resolved and removed
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2022 I tried reaching out several times and filling disputes with XXXX and XXXX to update my loan balance to reflect XXXX dollars.
Product: Checking or savings account

I been I've been trying to cash my check My tax refund check, my ID was misplaced, someone stole it out of my camper, I reorder it it's been a month and a half, and I still haven't received it, Texas DMV said they are upgrading the system that's the reason for the delay, so only have a temporary card, I was trying to cash app option, and they told me these That all features are not available to all customers
Product: Credit reporting or other personal consumer reports

There was an unknown credit inquiry on my credit report that does not belong to me. I think someone tried to open a credit card in my name. I want that to be removed off of my credit report. This has happened before regarding Identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Bureau has failed to respond in a timely manner to my dispute letter. I have sent letters 3 times. No result. 

1. The wrong amount is being reported XXXX Account XXXX : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 
The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX  Owed : {$0.00} XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX  Owed : {$0.00} XXXX XXXX XXXX  Owed : {$0.00} XXXX  XXXX XXXX  Owed : {$0.00} XXXX  XXXX XXXX  Owed : {$0.00} XXXX  XXXX XXXX  Owed : {$0.00} XXXX XXXX XXXX Owed : {$0.00} XXXX  XXXX XXXX  Owed : {$0.00} XXXX  XXXX XXXX  Owed : {$0.00} XXXX  XXXX XXXX Owed : {$0.00} XXXX  XXXX XXXX  Owed : {$0.00} XXXX  XXXX XXXX  Owed : {$0.00} XXXX  XXXX XXXX  Owed : {$0.00} XXXX XXXX XXXX  Owed : {$0.00} XXXX XXXX XXXX Owed : {$0.00} XXXX  XXXX XXXX  Owed : {$200.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, speaking today, the, XX/XX/XXXX with XXXX of Experian, me, at the XXXX Public Library, attempting to get the Experian to indicate the correct credit score. The last credit score showing on XX/XX/XXXX of XXXX, indicates the update on XX/XX/XXXX of XXXX. This, within the six-month time frame to indicate valid 'activity ' to display the bona fide score. I verified with Experian using my Oregon State ID, Social Security Card and XXXX  Bank Statement. The hard inquiries were deleted and the collection also deleted ; previous, XXXX score on XX/XX/XXXX of XXXX. I want the accurate score to be indicated, that, I may apply and access the credit, attempting at rent, school and work. I have logged into my Experian.com membership, I contacted the Experian from my new XXXX XXXX XXXX XXXXXXXX. The representative stated the school loan was 'summary ' a XXXX or deleted. When a score if XXXX, then, hard inquires delete and a ( n ) collection deleted, then, the score rises. I want my Experian.com credit score indicating an accurate number. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX  XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XX/XX/2022.
Product: Mortgage

Wells Fargo had my Deid in Lueu approved in XXXX XXXX for my house at XXXX, VA XXXX. I sent them all paperwork including my agreement to vacate the property. The second mortgage also had approved. They kept dragging things out saying there 's an issue with the title. All of a sudden, they call me in XXXX and tell me that they need to send me the final paperwork and I need to sign and return immediately. 
I told them, " great, send it to me in XXXX XXXX because I 'm here XXXX ''. She said she was n't sure she could do that and she would call me back when she got an answer. 
The next time they contacted me was to tell me I need to start over and that I ha a new contact. That guy was worthless. I had the second mortgage ( also Wells Fargo ) sending messages to him and his manager. 
Long story short, I 've tried to do a short sale from XXXX XXXX before stopping payments due to XXXX and no renter in the house. WF home preservation has the keys to the house since XXXX XXXX and did n't fix the fence that fell down in a storm in XXXX. I now have at least XXXX court judgments against me due to this. 
The inspectors wo n't go to look over the house since I 'm not there to let them in and do n't even have the key. Thus, I have '' failed to complete the Deid in Lueu process ''. I have complained to the Office of the President and their records only show I have n't done what I need to do. I have asked for the recordings to prove what I 've said is true and they said I need a subpoena since they are their property. 
I contacted XXXX XXXX 2 times and talked to different guys, but they said that is outside their scope and referred me to HUD. They ca n't help and said I need to file a complaint with you and find an attorney. 
The best part, on XXXX ( 90 days after retirement exactly ) they send me a letter stating they are going to start foreclosure if I do n't pay my delinquency. 
I do n't know what they gained from this other than the house appreciating, but they have intentionally been dragging me and my family through this nightmare for years to avoid SCRA rules. 
I need help and need it by XXXX XXXX, XXXX please.
Product: Checking or savings account

My deposit has been pending since XX/XX/XXXX and its XX/XX/XXXX now. I have been in contact with XXXX but they just say its going through an additional check and it has been escalated.
Product: Credit card

On XX/XX/ I contacted Bank of America to let them know that I was having an issue with a continuous pop up about a gift card that I redeemed for {$3.00}. I never redeemed it as a gift card but rather as a statement credit and even though they applied it as such it is still popping up as a gift card and no matter how many times I try to hide the pop up I am unable to do so. I did speak to a representative earlier, although it took me quite some time to reach someone, she said she was sending me an email to let me know how to edit my notifications but I have been unable to do so. This is unacceptable and I want to get rid of this pop-up card which is quite annoying.
Product: Mortgage

My father passed away and my name and my sister 's name were transfer on death for the home. I am trying to sell the home and my name is not on the mortgage, or am I authorized. I am just trying to get a payoff amount. The mortgage company will not give the title company the payoff amount without my authorization, but they won't take my authorization when I call. 

The house is sold - needing information for closing, i.e. payoff amount - how hard can that be? PHH mortgage company is uncooperative and the people I talk to do not understand English well enough to understand what I am saying. 

I can't bring my dad back from the dead to authorize the title company to give the payoff amount - please help!!!
Product: Credit card or prepaid card

In accordance to the respond provided by the company for case XXXX, the company has provided invalid excuse to close my account and, above all, charging me the annual fee of {$150.00}. It comes to my awareness that the company has tried all the excuses to first asking client to open an account and after less than a month close clients ' account for all made-up excuse so as to charge clients ' annual fee. As per the respond, the company manipulate the fact that I did not '' voluntarily notify us of the closing of your account within 30 days while your account was still active ''. The fact is after being notified of the potential closure of my account, I have been calling to have the issue fixed. I actively contact the credit card company to have the matter escalated yet I did NOT receive any respond from them. At the end I was the one who have been actively contact the company to have my identity verified yet at the end they found all sort of excuses NOT accepting the verification documentations I provided.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX XXXX  Balance : XXXX XXXXXXXX Dates : XXXX and XXXX Late Closed
Product: Debt collection

This company received an insurance payment, so they are trying to bill me on an amount of money they have to write-off. This is a contract that the facility I was seen at has with my health insurance provider. I contacted my provider and they confirmed that a payment was made not one, but twice. This is fraud!
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone stole my information and opened up fraudulent and unauthorized accounts in my name.
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 XXXX  Account Number : XXXX Inquiries : XXXX - XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX :
Product: Credit reporting or other personal consumer reports

As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. I previously contacted your company to inform you that I am a Data Breach/ Identity Theft victim. I also contacted the Federal Trade Commission and filed an attached XXXX XXXX. I demanded that you please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
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 Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : 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 Account Number : XXXX Account Name : 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 XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number XXXX XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  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 INQUIRIES : XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX
Product: Debt collection

This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off my credit report.
Product: Debt collection

On XX/XX/XXXX I reached out to XXXX XXXX ( original debtor ) XXXX XXXX XXXX XXXX XXXX to ask why they sold a collection agency my information. They confirmed with me that the account at one point did go to collection due to an unreturned water cooler. They confirmed that the both the water cooler was rec ' and remaining balance was paid. The representative at XXXX waters said they would reach out to Credit bureaus of America and have them remove it. On XX/XX/XXXX XXXX confirmed that the information was sent to remove the collection account. On this same day I called CBA and spoke to XXXX XXXX. She advised that she will call and confirm the if that is true with XXXX XXXX. On XX/XX/XXXX I called and followed up with her she advised that the reason she had not called me back was due to XXXX XXXX not responding to her request to validate the debt owed. This was the last time I spoked to XXXX XXXX and as of today the collection account has not been removed. I have left numerous amounts of messages in the last 10 months for XXXX XXXX and she refuses to take my call or return them. Per CFPB guidelines if a dispute is submitted and they do not respond within 30 days, the debt is required to be removed. Collection Bureaus of America is not following those guidelines. I attempted to call them again today, spoke to a very rude and threatening man by the name of XXXX, he attempted to transfer me to XXXX XXXX and XXXX ( Lindas supervisor ) and as always, they are never available. I asked him to look into the matter and review the notes as I have been verbally and electronically disputing this account. Instead of helping me XXXX decided to hang up on me in the middle of my sentence.
Product: Debt collection

on XX/XX/XXXX I received a letter from the Superior Court of New Jersey stating that Portfolio Recovery Associates LLC from was suing me for {$2000.00}. I have no clue who this company is. 

On XX/XX/XXXX I sent via certified mail with return receipt to Portfolio Recovery Associates and The Superior Court of NJ : I included my answer in response to the law suit, along with a request for the debt to be validated pursuant to the Fair Debt Collection Practices Act 15 USC 1692g Sec 809 ( 8 ) ( FDCPA ) I asked for them to provide me a copy of my  signature on a contract or document that holds me responsible for the alleged debt. As well as asked them to send me proof that they are licensed to collect a debt in my state. 

In response to a previous request for validation, I received a letter dated XX/XX/XXXX In which Portfolio Recovery sent a letter from XXXX XXXX saying the above debt had been sold to Portfolio Recovery Associates on XX/XX/XXXX. I then received a letter dated XX/XX/XXXX which was a bill. Most recently on XX/XX/XXXX I received the same letter from Portfolio Recovery which included the letter from XXXX XXXX saying that the debt had been sold to Portfolio Recovery AssociateXXXX on XX/XX/XXXX. They did not provide a contract with my signature or anything else requested above. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts that they are trying to collect on or post on a credit report. They have not shown any proof and this is why I am filing a complaint against them for failing to follow the law.
Product: Mortgage

I purchased a new home XXXX, XXXX and my mortgage loan was sold to WellsFargo. I contacted WellsFargo in early XXXX, XXXX as it showed that my property taxes paid were {$2.00}. During the phone call I let the company know that my property taxes should be significantly higher. I received a letter on XX/XX/XXXX that my property taxes were past due in the amount of {$6400.00}, which was paid in addition to a " misc fee '' of {$620.00}. I have contacted WellsFargo numerous times for resolution however after 3 months I still do not know anything. I need my XXXX tax statement revised to reflect the property tax I paid in the amount of {$6400.00} not {$2.00}! With the new tax bill I can not have that amount go towards my XXXX taxes. I elected to have my mortgage company pay my taxes so they have a responsibility to pay them timely and not charge me late fees of {$620.00}. This has delayed getting my XXXX taxes completed.