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

I have been on the phone with Capital One since Friday trying to fix an issue with me sending a zelle payment. I have gotten mixed messages and no resolution. I have gotten error message from their app and online system and all their trouble shooting hasn't helped me at all. Instead, it keeps blocking me out. You would think that they have someone dedicated to zelle payments or have a dedicated contact with zelle but no. Instead they are telling me to reach out to my provider to see if they have a short block on my account. I have asked for it to be escalated to an executive team or the CEO or Chairman 's Office and she told me I would have to send in a letter for that. Wow, are we in 2022 or what? Mail in a complaint. The person I spoke with Saturday said she was going to escalate because the tech team doesn't work on the weekend. They never called me back so I called them back today and they took me around the same circle. So ridiculous and frustrating. They even told me to try something else like XXXX or XXXX. Wow! My money is with you and how do you even know I have access to those methods. This should be between you and your third party vendor to help me your customer. I need to get away from this bank but I have pending transactions. This is such awful customer service. I will keep complaining until someone hears my voice.
Product: Debt collection

I.C. Systems was hired by XXXX to collect a debt that doesnt exist. 

I sold my XXXX home and moved in XX/XX/21 and had disconnected services, paid my bill in full and returned all equipment that I had been using at XXXX XXXX XXXX. 

I am extremely upset that this collection is on my report and the company is refusing to take accountability and remove it, as it is false. I do not owe any money to XXXX, I have paid What was owed and returned the equipment. This collection crushed my credit by 100 points and caused me to be denied for a mortgage. Not too mention, Ive had issues in the distant past with this collection company. Theyre dishonest and shady, bullying people into making payments that arent owed. 

I want this removed from my credit report and repaired immediately.
Product: Debt collection

I received a phone call from XXXX and spoke with XXXX XXXX ( employee ID XXXX ) from ACC and advised me that if I don't pay this payday loan I will be served with a summons today ( XX/XX/XXXX ) or tomorrow ( XX/XX/XXXX ). I asked him for information on this loan. He stated it was applied for online on XX/XX/XXXX and 3 payments of {$100.00} were made. I advised him that I did not take out this loan and never made payments on it. I told him all of the information used to get this loan was not accurate at the time. He advised the last payment was on XX/XX/XXXX and then he said it was on XX/XX/XXXX. He even gave me the references that they used, one was my father and the other was XXXX XXXX which I advised him I have no clue who she is. I let him know that the statute of limitations has expired in CA so they can't sue me but regardless this is not my debt and never received any collection notices. I asked that he send me validation of the debt but he said that would have to be requested with the records department and they most likely wouldn't do it since they're about to sue me. He said if I pay the balance due today I can avoid getting sued. He said he would talk to his office manager and get back to me to see what we can do. I told him this is not my debt and I needed to see some paperwork and he said I would see it today when I get sued.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$12000.00}, {$5900.00}, {$0.00}. 
I am a victim of identity theft, and I did not make these charges. I request that you remove the fraudulent charges and any related finance charge and other charges from my aaccount, send me an updated and accurate statement, and close the account. I also request tuat you stop reporting this inaccurate information and report the correct information to all of the nationwide credit reporting companies to which you provided it. 

Enclosed is copy of my Identity Theft Report, and account statement showing the fraudulent items related to your company that are the result of identity theft. Also enclosed is a copy of the Notice to Furnishers of information issued by the Federal Trade Commission, which details your responsibilities under the Fair Credit Reporting Act as an information furnisher to CRCs. 
Please investigate this matter and send me a written explanation of your finding and action Under federal law, you have 30 days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your re-investigation. Please remove the fraudulent information immediately from my file. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- 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  -This is not my account.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Crediting Act this Creditor : LVNV FUNDING LLC XXXX XXXX RESURGENT CAPITAL SERVICES L.P- ( XXXX XXXX XXXX XXXX XXXX SC XXXX ( XXXX ) XXXX ) has violated my RIGHTS. Under 15 U.S Code 1681 Section 602 states " I have the right to privacy '' also under 15 U.S. Code 1681 section 604a Section 2 states " a consumer reporting agency can not furnish an account without my written instructions. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting inaccurate lates on my credit file. The lates were for XX/XX/20, XX/XX/20, XX/XX/20. On various occasions i have tried to set up automated payments through the online systems and although the system tells me it has been set up it still hasn't been! I never received a call, letter, or notice about the delinquency so i assumed everything was set up fine and later i notice late notations and that's when i go in to my account and see the payment wasn't automatically drafted as i had set it up to be. I need these lates removed, i was not late.
Product: Credit card

Please I have tried to remove things of my credit that is not accurate at all! Ive put in dispute and nothing happened
Product: Debt collection

Over 2 years ago my wife had lab work completed in California and sent off to XXXX XXXX XXXX XXXX in XXXX XXXX. The doctor said that if the insurance company does not cover the fees the company ( XXXX XXXX ) would ( we now possess a copy of written documentation of this policy ). 2 years later ( now ) after not hearing from any issues on our insurance or the doctors office the company is bankrupt and a collection agency is trying to collect {$3000.00} from us for XXXX completed for the bankrupt company 's trustees. We sent them the written documentation agreement between the doctor, insurance company, etc, that explicitly states, " If it turns out your insurance company does not cover a specific test, XXXX XXXX assumes all the risk. '' We have sent the documentation to the collection agency ( Monterey Financial of XXXX XXXX ), yet they are continuing to try and collect the debt from us and many others even though they possess the documentation clearing everyone of all expenses associated with the XXXX. To do this is unethical, a scam and fraudulent business practices by Monterey financial. They are using scare tactics and threats to peoples credit to try and collect despite the documentation clearing the patients of any type of financial responsibility and preying on others who may not have the knowledge or possess the burden of proof we have received from our doctor who used 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 Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number XXXX XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I got an alert that a hard inquiry was placed on my credit report by OneMain Financial and I did not apply for anything or inquiry with that company I tried contacting the company and the automated system said it was closed and to call back Monday through Friday the inquiry was made on Saturday XXXX XXXX so how if they are closed on the weekend?
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted an application for the Housing Rehabilitation Deferred Loan Program. My credit report was obtained from Factual Data Bureau Express on XXXX without authorization and credit history information used to deny me access to The Program. A property appraisal was not completed, and valuations of my homes equity never even considered. My personal data used to cause adverse harm. 
APPEALED : XXXX XXXX XXXX - Grievance XX/XX/2021 https : XXXX Timestamp XXXX : The Program makes itself available to assist 1 or 2 more properties. 
XXXX XXXX : CD staff will obtain a credit report to ESTABLISH 1 YEAR OF MORTGAGE PAYMENTS. Staff used my credit report to take adverse action. 
XXXX XXXX : Clap of hands, seconded peace signs, and thank you. 
APPEALED : Billings City Council Meeting - Appeal XX/XX/2021 https : XXXX Timestamp XXXX - XXXX : Agenda Item XXXX Confirmed Breach of XXXX Privacy Pattern of Practice - Community Planning Board Meeting-XXXX XXXX, XXXX https : XXXX? XXXX XXXX XXXX : The Program is available to assist 1 or 2 more properties. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  https : XXXX Timestamp XXXX : The Program is available to assist 1 or 2 more properties. 
XXXX XXXX XXXX XXXX XXXX Meeting-XXXX  XXXX, XXXX  https : XXXX Timestamp XXXX : The Program is available to assist 1 or 2 more properties. 
XXXX XXXX XXXX XXXX Board XXXX XXXX, XXXX  https : XXXX Timestamp XXXX : Use of funds-The Program no longer available.
Product: Debt collection

On XX/XX/XXXX I had to visit the emergency room at XXXX XXXX XXXX in XXXX, CA. I am a veteran and submitted my payment information to the hospital. To my knowledge, the nearest VA hospital was in XXXX, CA at the time ( a drive of 3 hours or more ). The VA subsequently paid for the hospital bill but neglected to pay the Physicians bill to XXXX XXXX XXXX XXXX. It was brought to my attention in XXXX that I still had an outstanding bill with the hospital and that it was being sent to collections. I contacted the VA concerning this issue. XXXX VA at first said the bill was already paid, but I then told them about the physicians bill. The VA then requested that the physicians group contact them. The group agreed to do so and later reported that the VA was not responding to them. I call the VA and asked them to kindly attend to the unpaid bill since it would soon affect my credit. The bill eventually went to collections due to noncooperation from the VA. Apparently that debt was bought by another collections agency because I have recently become aware that my credit was downgraded by a debt collection agency called Commonwealth Financial Systems , Inc . Unfortunately, Commonwealth Financial Systems , Inc. is using predatory practices on me to collect on a bill that belongs to the Veterans Health Administration. I am requesting that this issue be addressed. I have tried to work with the VA and have only received the run around. Assistance would be much appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed a copy of my credit report and I show that inquiries listed on my report are inaccurate and or fraudulent. I have sent letters to credit bureau with no reply to the matter. I have also file and FTC, police report on fraudulent inquiries on my credit report. here are the inquires listed. 

Company Inquiry Date Bureau XXXX XX/XX/2019 TransUnion XXXX XXXX XX/XX/2019 TransUnion XXXX XXXX XX/XX/2019 TransUnion
Product: Payday loan, title loan, personal loan, or advance loan

XX/XX/XXXX - I contacted One Main Financial to settle my debit, in the hopes of raising my credit score. I needed to refinance my home and take cash out adhere to my divorce settlement agreement. I negotiated a settlement amount of {$4500.00} and set up monthly payments for XXXX, XXXX, and XXXX ; I promised to pay the balance in XXXX. 

XXXX, XXXX, XXXX XXXX I made monthly payments, including an extra payment in XXXX. During this time I made numerous calls to OneMain ( check their logs as proof ). It was difficult reaching them, and they initially sent my settlement confirmation to my XXXX, XXXX XXXX, as his name was also on the loan. 

I expressed many times, I was trying to improve my credit in order to refinance, as I was facing potential legal trouble with my XXXX  if I could not honor our XXXX XXXX I expressed time was of the essence. 

XX/XX/XXXX - I checked my credit report and the information was inaccurate regarding my account. The only change was that instead of " not paid, '' it now said I had paid 30 days late ( based on my first settlement payment in XXXX ). They reported my settlement payments as late payments. 

One Main failed to disclose the settlement balance, so it appeared as if nothing was being paid down. Additionally they marked my settlement payments as late payments - something that was never disclosed to me. 

XX/XX/XXXX - I paid the remaining balance off. I asked for a statement showing my paid balance and was told they could not provide it ; that something would be mailed to me. in 30 days. So I gave my mortgage XXXX permission to call One Main in order to expedite proof that the settlement was paid and he could rerun my score. 

It's now XX/XX/XXXX and I still do not have proof from them. They said they emailed the mortgage XXXX, he has not received it. 

One Main 's business practices are deceptive and aimed to keep people with poor credit down. I want this creditor off my credit report! I've paid them back and it's not right that their unfair and deceptive business practices are helping to keep my credit score down. They are slow to respond, don't answer the phones, and take days and weeks to send letters that should be easily auto-generated. They report erroneous information to the credit bureaus, their departments work in silos, and they don't disclose their business processes.
Product: Checking or savings account

My XXXX, XXXX and wallet were stolen on XXXX on XXXX I noticed a message from XXXX about a transaction named XXXX and I did not know that name or person. This person cleaned out my checking leaving my XXXX account at XXXX. on XXXX XXXX was made aware of fraud and I called Suntrust to tell them that there was a XXXX deposit from Suntrust to XXXX off the account XXXX that was closed. Suntrust sent money to XXXX and this XXXX person took it out almost the minute it arrived in my XXXX account. When I told Suntrust they told me that there had not been any transactions made and I said there had been activity since it was in my account and did not belong to me. Since that account was closed at Suntrust i was not as concerned as I was with the XXXX account. XXXX fruad team decision was I had given the okay or given out my pass word and I am responsible to pay back the money Suntrust sent and XXXX let go back out to XXXX. When that decision came I went to Suntrust to find out what I could and the branch said they could not access my account because it was closed on XX/XX/XXXX - I was taken back on that comment since I have paperwork from Suntrust showing they closed the account XX/XX/XXXX. Suntrust sent an email stating unusual activity on the account. Yet branch has no record or able to find anything for that account. Branch told me I really needed to file fraud soon as possible and I would have to call the fruad number as that is the only way to start claim. Call placed to Fraud team who was not able to see my account or give me information on the activity. The Fraud team said I would have to file thru the branch as they would have my records ( I knew better than that ) Now I have a checking account cleaned out in the amount of {$1100.00} leaving my XXXX account at zero. Suntrust and XXXX made a deposit from the XXXX account that was to be closed XXXX in the amount of {$2500.00}. This XXXX person then took out of the account with XXXX the money Suntrust transferred. They made withdrawls thru XXXX in thee amount of {$980.00}, {$1000.00}, and {$300.00} thru an ATM withdraw. So far I have been returned the ATM withdraw for {$300.00} I have not been able to open a claim because branch says to go thru Fraud and Fraud says file through branch. Suntrust took that money back from XXXX leaving me responsible to repay the money XXXX sent to XXXX. So far Suntrust has their funds back, the XXXX  has my {$1100.00} that was in my account, the {$190000.00} the {$300.00} ATM and sitting pretty so to speak. That makes Suntrust not loosing any money, the XXXX  richer and since XXXX is making me accountable to pay back the XXXX and payback what was my money in the account. The only person impacted is me. XXXX withheld {$2700.00} in deposits this week to repay the {$3000.00} plus negative balance. One of those deposits they took was my Social Security Check and retirement money that was deposited and I still have a negative {$300.00} in my checking and no money for bills or food.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block, InC. ) Due to inadequate customer service and unfair practices, which violates the consumer financial protection act. My account was suspended and said it was because I did something against policy I tried to get ahold of the company but could never reach a customer support, I know my actions were never wrong all I did with the account was send money to family members and received it back no illegal action and nothing against their policy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experience with Experian still has several errors, addresses, phone numbers, names in my report which thru Oscar system SEC ot allows corporations to mirror my info that fleeces the Trust. Adverse claims and the constant request to obtain my assigned social security number which according to federal Laws its against the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Last 4 Digits of SSN : XXXX While looking over my yearly credit report I see that there is some incorrect information regarding my personal information. There are addresses reporting to my credit report that are not associated with me. It seems as though you or the creditors have mixed my file with someone else that is in my family which is understandable being that our names are similar. I have included my license and proof of address to assist with the handling of this dispute. I am asking that you please remove any and all addresses that do not reflect the address that is on my license and/or proof of address so that the information on my credit report is accurate. 

Thank you so much for your time in assisting me with this matter. Please send me correspondence that shows that these changes have been implemented.
Product: Credit card

My elderly mother was diagnosed with XXXX. As primary caregiver I wanted to get ahead of things financially as I would be cutting back some work hours to help provide care. So Ive been reaching out to my credit card companies to discuss financial assistance on a short term basis - strictly to stay ahead - because I was on-time with all payments and had never really fallen behind. I reached out to BarclayXXXX XXXX ( the company ) for financial hardship by means of a certified letter. No one called me. Instead, I received a letter back that simply stated my letter was received and advised me to call them. So I eventually called. When I called Barclay, I assumed someone would be walking me through the process of financial hardship ( the steps, the terms, the agreement ) on the phone. Instead I was told I would have to answer some questions on an online form and then the systems process would continue. I went online as directed and answered some questions. My understanding was that after my input, that someone would reach out and explain/walk me through the process. Again, I did not receive any call or conversation about this. I accepted the terms, again with the understanding that someone would call me and explain the terms. No such call. Ayer a few days, I logged into my account only to find it had been closed without my knowledge. I reached out via chat text and phone customer support. One agent said they could not help me because the account was closed Id have to reach out to customer support. When I spoke to customer support a very nice young lady advised that yes my account had been closed and could not be re-opened/re-instated. I asked why. She said that was the system process for any hardship agreements. I told her that if I knew my account would be closed I would not have applied for the hardship. I told her that no one explicitly told me that, also I had called specifically prior to any terms and asked about how the process worked. I expressed that I was very disappointed at the lack of communication because this is a loyalty rewards card and I have lost status as well as the value of a complimentary airline ticket due to the accounts closing. I asked if there was ANYTHING that could be done, that I was recalling the agreement, that I would agree to the previous terms and please re-open the account. She said she really wished she could help me but unfortunately it could not be undone. I find this to be unfair practice on behalf of this lender company - I wrote and called about the hardship and no one talked to me about it. I filled out a vague online questionnaire that was not clear. And Ive lost value in my rewards for a decision that I would have never made if the terms were clearer. I truly believe this company acted fraudulently by making me jump through these hoops and closing my account without my knowledge. Using whatever loopholes and legal ease to close my account is awful. And the repercussions of losing my airline rewards is equally unfair. Especially at a time when my widowed mother is going through a health crisis. Completely unacceptable.