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

I inherited a business from my uncle who passed away on XX/XX/XXXX. The business had a checking account with Capital One bank. I called the bank to close the account, but was told I have to go into a local branch. However, the credit card was immediately closed. This was during the pandemic so after a few weeks I went into a local branch and immediately left since it was crowded and there was no social distancing. A few weeks later I went into the bank again and there was no customer service available. So I had to speak with a teller. I explained that I want to closed the account and I completed the forms she gave me and provided her with the death certificate and a surrogate court papers. After a few weeks I contacted the bank by email and again was told I have to go into the local branch. I went to local branch and spoke with another teller and explained the situation, completed forms and submitted paperwork. After a few weeks I contacted the bank again to follow up and was told I have to go into local branch again. This time when I went into the local branch I spoke with a branch ambassador. I explained what was going on and she apologized for the problems I was having. For a third time I completed forms and provide the death certificate an surrogate court papers. She said I have to be authorized as a signer on account before it can be closed. After a few weeks I contacted this representative and she said she did not hear anything. She sent an email to department and flagged it to get their immediate attention. That was on XX/XX/XXXX. I was so frustrated that I filed a complaint with the NJ banking department and the corporate headquarters for Capital One Bank. As of today, I have heard nothing. I started this process right after my uncle passed away in XX/XX/XXXX when the account had {$790.00} in it. Since that time the bank has not allowed me to use the account, but they have been charging {$15.00} a month as a maintenance fee. I told them I want the account closed and I want all of the monthly maintenance fees refunded since XX/XX/XXXX because they have not maintained anything since I cant use the account. This has been going on for so long for such a small amount. At this point the company has been closed. Your immediate attention to this matter would be greatly appreciated.
Product: Credit reporting or other personal consumer reports

This is XXXX XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
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

In XX/XX/year>, I submitted a formal dispute to the credit reporting agencies regarding several inaccuracies on my credit report, including accounts that do not belong to me and unauthorized inquiries. On XX/XX/year>, I received a response from them notifying me that most disputed items remained on my report, despite my request for verification under the Fair Credit Reporting Act ( FCRA ) requirements. The response did not provide the " method of verification '' ( MOV ) for these items, as required under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), which mandates that XXXX explain how it verified the disputed information and from whom. 

I continued to request proper validation of the disputed items, citing my rights under the FCRA. However, the reporting agenices have yet to fulfill my request for the MOV, nor has it provided documentation proving the accuracy of the disputed accounts and inquiries. To this date, XXXX has not removed the inaccurate information from my credit report, which continues to impact my creditworthiness. 

In summary : XX/XX/year> : Original dispute submitted to the credit reporting agencies. 
XX/XX/year> : Agencies notified me that the disputed items remained, without providing the required MOV. 
Follow-up requests for proper verification and removal of unverified items have gone unanswered. 
I am seeking assistance from the CFPB to hold XXXX, Equifax, and XXXX accountable to FCRA requirements, ensure the disputed items are thoroughly investigated, and, if unverified, removed from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Bureaus are reported an alleged bankruptcies on my credit report. XXXX XXXX informed that they provided the credit bureaus with no such information regarding these alleged bankruptcies and the courts also stated the same information. Since XXXX XXXX  has verified that they did not provide this information, I am challenging the validity of these and wanting full documentation.
Product: Debt collection

I have a collection account of {$700.00} from the collection agency listed as National Recovery Agency. I have contacted the agency by phone calls, emails and certified mail asking for debt verification and for the account to be removed from my account. I have also disputed this account with the three credit bureaus. I have been unsuccessful and this collection is extremely hurting my credit score and now my livelihood ; I have been denied housing and transportation because of this false account.
Product: Mortgage

My mortgage company is not getting a bill to me especially not in a timely manner. I called them within a week prior to the XX/XX/2023 due date and asked why I had not been billed. They told me the bill had been mailed and that I had a grace period until the XXXX of the month. I ultimately did receive that bill in time to return it by the end of the grace period. 

For the XX/XX/XXXX due date I still have not received a bill and today is XX/XX/XXXX. I called again 2 days after the due date and let them know I had not received a bill. I asked them to confirm my address with me and it was correct. I asked what I was doing wrong and they said nothing was wrong on my end, but because of problems with their system they were having trouble getting billing done. They told me I could print the bill from the portal and go ahead and mail payment. I let them know I had already done so and sent the payment by priority mail, I advised them it was scheduled to be received on XX/XX/XXXX. They thanked me and apologized but did not confirm that they had yet sent out a bill or would be able to do so in the future. They also confirmed they had agreed that I would receive paper bills. 

I am concerned they are not living up to their agreement and wonder what other even more serious problems their system failures are causing. Of course customers will still be penalized if we do not pay on time. Can we not expect mortgage companies to fulfill their obligations. 
Can you check on loandepot.com llc and determine the extent of their problems and require them to do billing in a reasonable time frame.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion refuses to give me access to my personal credit information in order to report incorrect information.
Product: Money transfer, virtual currency, or money service

Cashapp closed my account without warning will not allow me to use the app any more
Product: Credit reporting, credit repair services, or other personal consumer reports

I was made aware of an attempt to pull my credit by XXXX  on XX/XX/2020. Since I have not applied for credit recently I assumed this was fraud and immediately froze my credit reports at all 3 credit reporting agencies. I also added fraud alerts to my credit reports. On XX/XX/2020 I started receiving alerts that a new account was added to my credit reports with XXXX and Equifax. The account was listed as XXXX and was opened on XX/XX/2020 and closed on XX/XX/2020. I immediately filed disputes with XXXX and Equifax to have the account removed. On XX/XX/2020 Equifax notified me that the account was verified and would not be removed. I also contacted XXXX at XXXX but they seemed disinterested in helping. This is not my account and is fraud and needs to be removed from all of my credit reports immediately. I will be contacting the local police and filing a report.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding inaccurate information reported on my credit report by XXXX, Equifax XXXX XXXX concerning XXXX XXXX Account # : XXXX. The information in question pertains to a charge-off that has been included on my credit report without legal basis. Despite the presence of this charge-off on my credit report, I have not received a 1099-C form for the associated debt after making multiple attempts. The absence of such documentation raises concerns about the legality of the reported charge-off. The inclusion of this inaccurate information on my credit report is damaging to my financial standing and constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 ( e ) ( b ), which mandates that information reported to credit bureaus must be 100 % accurate. I respectfully request that the Consumer Financial Protection Bureau investigate this matter promptly and take appropriate action to ensure the accuracy of my credit report. Specifically, I request the immediate removal of the inaccurate charge-off from my credit report and any necessary corrections to prevent future inaccuracies with this account. Please acknowledge receipt of this complaint and provide me with updates on the progress of the investigation. Thank you for your attention to this matter. 


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

These accounts has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Been waiting for Citizens bank of XXXX, RI to release a XXXX mortgage - since XXXX 2015. Trying to get a line of credit. This is a old mortgage and I have refinance since this loan. Do n't understand how long is a reasonable time to wait.
Product: Credit reporting or other personal consumer reports

XXXX confirmed that I am not the person that applied for any product or services with the company. Equifax refused to delete inwuiriees based off this information. I will be moving forward with a law suit.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, I am submitting this complaint on behalf of myself. There is no 3rd party company disputing on my behalf. Please do not send me an automated response! All documents will be included for this dispute.

I recently received a copy of my credit report in the mail that you sent out with the investigation results that you were not able to verify correctly. I noticed accounts on my report that were not granted permission to post on my credit report. I HAVE NOT GIVEN ANYONE consent to my nonpublic personal information nor have I given any 3rd party consent to furnish a report. Please do not respond with automated letters or messages, as I am writing this letter on my own behalf.
Product: Credit reporting or other personal consumer reports

I do have a Synchrony XXXX XXXX XXXX with limit of {$10000.00} since XXXX XXXX at XXXXXXXX XXXX, received email from them that my credit card limit of {$10000.00} reduced to {$250.00} and reason is on basis of my credit score of XXXX XXXX obtained from Transunion. I attached that letter with this complaint. I did call XXXX XXXX XXXX XXXX at XXXX today XX/XX/year> and spoke with XXXX XXXX than her Supervisor XXXX XXXX and then he transfers to XXXX XXXX XXXX from XXXXXXXX XXXX  to XXXX EST. Its surprised me when first person XXXX XXXX, with whom I spoke with her told me that she going to transfer to Credit Resolution Team Supervisor. But before she transfers the line, she said that she put the request to do adverse credit check and before I reply she transfer the line. When XXXX XXXX come online and when I ask him if he is Supervisor from Credit Resolution Team Supervisor, he said No, he is just Supervisor above XXXX XXXX. When I asked what XXXX XXXX said to me about Adverse credit check request, he replied that yes, she put the request for me. So, I replied to him that I did not ask for it. So, he replied to me that he will remove it, but he did not remove it when I asked later to his boss XXXX XXXX XXXX ' When he transfers to his XXXX XXXX XXXX, she said that nothing can be remove until she listens the tape conversation and then she decides. 

Look like without my permission and authorization, XXXX XXXX put the request for Adverse credit check even same day that bank reduced my credit card limit from {$10000.00} to {$25000.00} only.
Product: Debt collection

United Collection Bureau is trying to collect a debt passed down from XXXX XXXX XXXX Bank that was a result of identity theft. I have a police report and claim number for this case. This company sent me a letter in the mail asking me to settle for something that I field as theft. This is harassment at this point because I am not responsible for the debt. The complaint number tied to this case was originally sent to XXXX XXXX XXXX Bank until I got a notice in the mail from United Collection Bureau. The original complaint number is XXXX back dated to XX/XX/2021.
Product: Checking or savings account

I did not receive my direct deposit paycheck through Capital One banking on XX/XX/year> as I should have. As of XXXX XX/XX/year> it's still not deposited. The only answer I was given is that they are experiencing issues with a third party vendor. No timeliness or ETA of when my needed paycheck will be in my account. They are not doing well with updating their consumers, keeping everyone in the dark. It took hours yesterday of no word from them to recieve an email that says they are experiencing technical difficulties.
Product: Mortgage

In XX/XX/XXXX, I was approved for an FHA Covid forbearance. I spoke with an agent in XX/XX/XXXX and the forbearance was extended until XX/XX/XXXX. I have not rec 'd any updates or calls from Essex Mortgage since XX/XX/XXXX, which is a clear violation of FHA guidelines which require the loan servicer call a client every 30 days while in a FHA forbearance. I called the Essex on XX/XX/XXXX to request a final extension to restart my payments on XXXX XXXX, the agent advised they would extend the forbearance and said they were having some system issue and the phone was disconnected inadvertently. I tried calling several times to resolve this and received a message that due to system changes and the high volume of calls to try again later ( wow ). That continued for about a week or so when I finally was able to speak with and Agent named XXXX. It was clear that Essex has now moved its Loss Mitigation department internally and was not prepared for anything. All I want is my forbearance extended to XX/XX/XXXX and resume by monthly payments. This forbearance is covered under the CARES ACT and Essex needs to get their act together. Please read the Read the FHA guidelines CARES Act Forbearance Fact Sheet for Mortgagees and Servicers of FHA, VA, or USDA Loans If a borrower can still make their mortgage payment, request that they continue to do so. However, if the borrower requests a forbearance, a servicer must give them the forbearance requested. 
No documentation is required to prove the hardship beyond the borrower asserting that they are suffering from a hardship. 
This relief is available to anyone who has a federally-backed mortgage, regardless of delinquency status. 
Under the CARES Act, borrowers are entitled to request an initial forbearance of their monthly mortgage payments for up to 180 days, and may request up to an additional 180 days.

Servicers must approve the forbearance for the amount and time that the borrower requests.

Under the CARES Act, this is done at the borrowers request and for as long as they request, up to 360 days in total ( initial up to 180 days and then up to another 180 days, if requested ) Please extend the forbearance and make sure no negative reporting as occurred.
Product: Mortgage

A double payment was taken out of my account and I have been trying for two days to have Loancare reverse the payment. They give an estimate of a week before they will return the payment that was their mistake due to computer issues they had this weekend. I am not the only customer in this situation and it would be helpful if they returned the payment in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX vas verified as in correct and removed from XXXX. Proper investigation and validation has not been done after many requests. No communication has been sent back, even though inconsistencies were identified and deleted as a result. 

Alleged debt with Portfolio Recovery Associates has been disputed numerous of times, each time it has not been verified as requested. Calls to attempt to collect alleged debt are at least 6 times a day before and after business hours, and even more frequently on the weekends.
Product: Vehicle loan or lease

On XX/XX/2021, I went to a dealership looking for a vehicle and found XXXX XXXX XXXX. I was told the paystubs I provided look fake and faulty and they don't look legit. They then had me go back to my employer to have them issue me a new stubs that meets their criteria. At that time I was already in the process they told me a {$1000.00} down they will see what I can get. i had a vehicle in mind that was really nice. After verifying that my paystubs were legit and real. They told me that there finance bank " XXXX XXXX '' kicked the deal for fictitious paystubs. The deal was returned to them and they offered me in house financing through their dealership. They responded to the XXXX stating Everything I just said above. So I questioned myself over and over and just been thinking heavy about this because I paid them the down payment which was almost everything I saved up for. They told me I couldn't get the car I wanted from the start and said they have a car in the back they can pull around for me to see. It was old looking and ran down but I'm not a car expert I just needed transportation for my family and they said the car is old but very reliable and will get me from point A to B. Sales Tactics were on point I was totally tricked. The same day they told me to bring the car in the next day if I can to get maintenance on it that I asked and checked on the vehicle such as break pads, rotors, oil change, oil filters, Tires and fluids. I brought it in to their mechanic shop on their property and dropped it off. While picking the vehicle up the maintenance man ask me was I here to pick up the XXXX XXXX I said yes, he specifically told ask me did I finance this vehicle and I said yes. He said they wasn't supposed to sell me that vehicle yet because he didn't get a chance to check it out since it came from an auction it set in the back of their dealership yard. They didn't do non of the things they said they would so the car starting malfunctioning and I wasn't able to drive the car I told them about it and reached out to them multiple times and they did not want to help and I started receiving calls, emails and text from a company called XXXX XXXX but I was informed by the dealership I was setup to have in house financing. The dealer responded to the XXXX stating they never reported to my credit report and that i need to contact credit acceptance, but I thought they kicked the deal. As stated on credit report and on XXXX XXXX XXXX XXXX I never made a payment due to the vehicle not able to function after financing the vehicle. If the motor is blown then they just admitted that they sold me something that they had knowledge about from the start and their response also shows that they knowingly gave me a vehicle that has a blown motor. I just want the payments and account off of my credit report. I would like them to notify XXXX XXXX to do so. This is so wrong and its been causing a lot of troubles and emotional distress I had to deal with transporting my self to work and handling kids going to school all that was effected because of them and I am still being punished from getting a vehicle due to their actions.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXXXXXX XXXX inaction violates federal law and my rights as a consumer. I initially sent written documentation informing the bureaus of the inaccuracies on my credit report on XX/XX/year>, when I received no response to that communication I sent a follow up written confirmation on XX/XX/year>. This timeframe gave more than the standard 30 days for a response to such communication, which is why at this time I am escalating my concerns to the CFPB.
Product: Checking or savings account

XX/XX/scrub>XXXX  Called banking instatue about my money never being deposited and late fees I'm being hit with. Bank said no eta to resolve issue. Capital one - {$1200.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It XXXX Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. According to the Fair Credit Reporting Act Section 609 A 1 A, you are required by federal law to verify through physical verification of the original signed contract for any and all accounts you report on credit reports. I demand to see a verified proof for any and all accounts on my credit report. If you fail to validate, remove from my account immediately. 

XXXX XXXX XXXX does not and has not ever belonged to me. It is not mine. I have never been in a contractual agreement with the respective company. 


Sincerely, XXXX XXXX
Product: Credit card

I applied for XXXX separate credit cards with Sterling Financial ( Bank ). Kay, Jared and XXXX Jewelers. Each time I was approved for {$1500.00}. When they start reporting to my credit report, they only report as {$500.00} each. When I log into each separate website, for each store, it says my credit limit is {$1500.00} for each store. No where in the agreement online, or the application/approval process did it say they split the limits. I called customer service XXXX and was told basically " that 's just the way it is ''. This is shady business. Making customers think they are getting separate accounts when it really is only XXXX limit. On top of this, my credit report was pulled at least XXXX of the XXXX times I applied, causing my credit score to drop each time and also creating additional inquiries on my report. This is unfair and misleading to customers. If they only want to give me XXXX limit, then at the very least, they should only be pulling my credit XXXX time. AND, they should be putting this in a statement on the application and credit agreement. This is not the case. 
I want the {$4500.00} total for the XXXX cards as I was made to think I was getting.