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

My Capital one checking account shouldve been closed several years ago. Capital One is horrible to customers. They treated me awful. I waited an hr to get to an almost solution. When I called back the agent laughed and transferred me to the wrong department. That is disgusting. I was unaware a bank account that was supposed to be closed years ago was still open. There was fraud on my account and during that time they told me they closed it. It was only until I applied for a credit card that I logged in to add my new credit card only to realize they did not close it. This is an account open for 4 years after fraud without my knowledge. They told me someone withdrew money from an ATM at the time from some Miami store. That wasnt me. When I talked time then years ago I asked them to close this account and I did report fraud. To my surprise 4 years later it is open and restricted without my knowledge of it being open. This is really unprofessional and to not follow up with me after dropped calls or a disconnection after waiting an hour is disgusting. I waited an hr and I keep getting transferred. They seem to not know what they are doing. I called again to ask them to close this but they said it is a negative balance. That balance as seen on the attachments was from fraud. Each time I try to get help they either hang up or disconnect somehow. It is really stressful. Please fix this. There should be only one capital one account open in my name and that is my credit card. Im very sad how they have treating me. Its like they do not care and keep transferring me. To have an account still open without my knowledge after it should have been closed is awful. I am really confused how you all did not close this years ago. Also get better customer service and train better because there should be no reason I was waiting for an hour only to be disconnected or hung up on. Also the agent laughed at me and that was very rude. This has caused me a lot of distress and thats not professional. This is not a debt this was a transaction that was not mine. I called them and told them this years ago and they didn't fix this. They agreed to close it but I feel less protected and nervous that this account was still open and restricted without my knowledge.
Product: Credit reporting or other personal consumer reports

RE : XXXX Block Request To Whom It May Concern, I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : 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  Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Money transfer, virtual currency, or money service

I'm a concern citizen regarding zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving us costumers vulnerable to scams.
Product: Credit card or prepaid card

Adding to XXXX XXXX I forgot to attach another PDF file that clearly shows deceptive information given to me by phone as described in prior case # above. The new attached PDF file clearly shows the US Bank representative who signed the letter to me ( and was on the phone lying about the reason my rat was going up over 4 percent ).
Product: Credit reporting or other personal consumer reports

Fraud accounts being relisted in violation. Please block all fraud accounts and related inquiries per FCRA, XXXX XXXX and CFPB unless you can provide valid verification and original signatures. 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 DEPARTMENT OF EDUCATION FOR {$1500.00} Charges filed Officer XXXX  ORIGINAL POLICE REPORT attached, address, emails, current bank statement, FTC, supplemental police report and ID attached for verification thank you
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to formally dispute inaccurate late payment information that has been reported on my credit file in connection with my XXXX XXXX XXXX  account ( Account Number : XXXX ). Upon reviewing my consumer reports, I discovered discrepancies indicating late payments that I firmly believe are incorrect. 
I have consistently made timely payments on this account and have never missed a due date. The accuracy of credit reporting is critical, and I request a thorough investigation into this matter. I kindly ask that you provide documented evidence, such as account statements, supporting the reported late payments. If such evidence can not be provided, I request that the inaccurate late payment notations be removed immediately to reflect my actual payment history. 
I appreciate your prompt attention to this matter and look forward to a resolution that ensures my credit report accurately reflects my financial responsibility. Please confirm receipt of this dispute and provide updates on the status of the investigation at your earliest convenience. 
Thank you for your time and assistance.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Oklahoma XXXX XXXX/XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Formal Dispute of Fraudulent Accounts Pursuant to FCRA Section 605B ( 15 U.S.C. 1681c-2 ) Dear TransUnion, I only have One Name : XXXX XXXX XXXX ( Only ) One Address : XXXX XXXX XXXX XXXX XXXX XXXX Oklahoma XXXX ( Only ) Any other PII that differs from this information is fraud. Please remove Any other Name or Address from my FICO consumer credit report. 

I am writing to formally dispute the presence of four fraudulent accounts on my FICO credit report, which are inaccurately being reported by TransUnion. As a victim of identity theft, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) Section 605B ( 15 U.S.C. 1681c-2 ). To substantiate my claim, I have enclosed an FTC Identity Theft Affidavit along with other supporting documents. 

The fraudulent accounts that I do not recognize are as follows : 1. XXXX XXXX XXXX XXXX : Personal Credit Card opened on XX/XX/XXXX, XXXX $ account # XXXX. 
2. XXXX XXXX XXXX XXXX : Personal loan opened on XX/XX/XXXX, XXXX $ account # XXXX. 
3. XXXX XXXX XXXX XXXX : Credit Card Opened on XX/XX/XXXX XXXX , account # XXXX. 
4. XXXX XXXX XXXX XXXX : Personal Credit Card opened on XXXX $ account # XXXX. 

These fraudulent accounts have led to inaccurate and damaging collection entries on my credit report, which do not belong to me. 

My Demands Under the FCRA and FDCPA 1. Immediate Removal of Fraudulent Accounts : I demand the permanent removal of the above-listed accounts from my credit report.

2. Cessation of Collection Activities : All collection activity related to these fraudulent accounts must cease immediately, as these debts are not valid.

3. Blocking of Fraudulent Information : In accordance with FCRA Section 605B, I request that TransUnion block this fraudulent information from my credit report within four ( 4 ) Business Days of receiving this letter. 

TransUnions Legal Obligations I previously disputed these fraudulent accounts on XX/XX/XXXX and again on XX/XX/XXXX, but you failed to respond within the 30-day investigation period as required by law. Your continued inaction violates the FCRA and demonstrates non-compliance. Under the Doctrine of Estoppel by Silence, your failure to address my disputes may be interpreted as an inability to validate these accounts.

Additionally, TransUnion has not provided any evidence, such as Original Purchase Agreements, proving these debts are legitimately attributed to me.

Enclosed Supporting Documentation To assist in your investigation, I have included : A copy of my FTC Identity Theft Affidavit.

A copy of my government-issued ID.

A copy of my proof of address.

Failure to act promptly and comply with the FCRA will leave me no choice but to escalate this matter further. Please note that the CFPB is actively litigating similar violations, and I reserve the right to join such actions should your non-compliance persist. 

Sincerely, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

A purchase was made through cash app ( {$3000.00} broken into 2 transactions of {$1500.00} ) transactions to another cash app customer. The purchase went through then emediatlly was taken back from the reciver. Then multiple transactions from contacts that were linked to my cash app started to occure without my consent or permission. At the same time the reciver was experiancing the same thing. Then we called an someone that was possimg to be a cash app employee, asked if we have XXXX XXXX, we told him no? The he asked if we could go somewhere near by an purchase one. This is how the money would be refunded. Me and the reciver refused to do so, beause this all happened within the course of XXXX or less. The person that was on the phone was someone from XXXX XXXX The reciver and I had to delet the accounts due to this action of fraud. I also have another mobile device that i had to reopen a new account. How could i get my information from my previuse account?
Product: Checking or savings account

Bank account fraudulently opened under my name when I told the bank it was not me they accused me of lying telling me it was weird that someone knew all my information I explained to them i had been dealing with identity theft for several months now BANNER BANK i advised them to pull the video.. I advised them if I needed an updated police report with the banks name they said no but would not consider the XXXX police reports I already have due to this situation I have been dealing with identity theft since XX/XX/22. i am willing to go make a new police report if needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On about XXXX, 2019, I pulled my credit report and found out multiple accounts that did not belong to me, knowing this I filed a Police report regarding Identity Theft issue and started disputing the incorrect information. I have been disputing wrong information on my credit report for about 1 YEAR. As of today 's date, a new collection account just showed up on my credit report, account that was not there before and actually never been there. 

That account definitely does not belong to me.
Product: Debt collection

This account is fictitious and goes against Indiana state " 34-11-2-7 ( 1-2 ) '' and needs to be removed. Cease and desist 15 U.S. Code 78u3 all communications with me as well.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$30000.00} XXXX XXXX XXXX - XX/XX/XXXX - {$31000.00} XXXX - XXXX - XX/XX/XXXX - {$28000.00} INQUIRIES : XXXX XXXX XX/XX/XXXX
Product: Mortgage

My husband and I went into Wells Fargo back in XXXX for a regular fixed rate mortgage ( term 30 years ). We began making payments. The mortgage loan was for {$80000.00} ( XXXX XXXX dollars ). Fifteen years later -- -we still owe more than {$52000.00} ( XXXX XXXX XXXX dollars ). Our payments were not fixed. The payments ranged from {$420.00} to over {$1000.00} a month. We are both XXXX since XXXX XXXX XXXX. We wrote to Wells Fargo and they sent us back tons of paper saying that we agreed to some kind of equity loan. That's not true. We simply asked for a fixed rate mortgage. Each time that we went into the bank, we said we were paying on our mortgage, after some time, the teller would find our account and have a strange look on their face for a brief moment. I always wondered what was on the screen the teller looked at.So far, they've gotten about {$240000.00} from us. We still owe {$52000.00}. As a minority, we believe we were taken advantage of. We believe we are victims of predatory lending by Wells Fargo. Can you help us? It's XXXX and will still owe {$53000.00} and have made all of the payments ( even during the pandemic ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and lexis Lexus reporting to third party site " opt-out of all 3rd party vendors
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX My Credit report shows a Lowes account that was financed Thur GE Capital Bank XXXX XXXX I was writing to Lowes they say it was sold to XXXX XXXX and I wrote them and all they did was change the Account Open date from XXXX TO XXXX Ive wrote to XXXX several times regarding this error and the statute of limitations has passed and this account should be removed off ALL 3 credit bureaus So Im reaching out to you for help Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties. This looks SUSPICIOUS AND DECEPTIVE ; I demand proof TO SEE valid authorization/proof of alleged debt. XXXX without valid proper disclosure requirements is in direct violation of my consumer rights. I XXXX XXXX XXXX, legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in XXXX ( XXXX ) days to failure to comply with these regulations by the XXXX XXXX XXXX, et Esq. I am maintaining a careful record of my communication with your company.
Product: Checking or savings account

i WOULD LIKE TO DELETE THE FOLLOWING ACCOUNTS AS SOON AS POSSIBLE BECAUSE THEY DO NOT BELONG TO Me XXXX  XXXX XXXX ( XXXX ) OPENED XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) OPENED XX/XX/XXXXXXXX XXXX XXXX XXXX ( XXXX ) OPENED XX/XX/XXXX XXXX & XXXX ( XXXX ) OPENED XXXX/XXXX/XXXXXXXX XXXX XXXX  ( XXXX ) OPENED XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I had charged {$140.00} on my Citicard account as a payment of XXXX XXXX service online. My Citicard had been inactive for 5+ years before that. Hence I forgot about the bill because I was mainly using my XXXX card. I never received any billing statement from Citicard in the mail either up until I received a letter on XX/XX/XXXX ( 6 months after my bill ) stating that I had a balance on my account. I called Citibank immediately anxious that the charge could be a fraud ( I could not remember my bill to XXXX whatsoever after 6 months without being reminded about it previously ). The agent who was assisting me over the phone clarified to me that there was a {$140.00} charge to XXXX since XX/XX/XXXX. I did remember it eventually and paid my bill over the phone the same day. Wish Citibank would have sent me a notice in the mail when I was 60 days past due instead of waiting for 6 months! I would have paid my bill then and avoided the extra late payment fees. They had charged me more than {$100.00} as late payment fees which I refused to pay. I agreed to take responsibility of two months late payment fees but they refused to accomodate me. They refused to take any responsibility of not having sent me any statement or prior notice. They kept repeating that according to their records I had asigned to paprerless statement. I made several attempts to make them understand, including one of their managers that I was not using the email account that they were sending those statements to for so many years!! After all this card had been inactive before and after XX/XX/XXXX. They have caused me tremendous stress and frustration. After I have already paid my main bill my late fee charges have added up to {$310.00} as of XX/XX/XXXX. This is affecting my credit report which is not fair because I pay all my bills on time and much more than the minimum payment due. I disputed the late payments with XXXX. XXXX was not able to help me. Instead I received another letter from Citibank recently offering me a settlement of {$280.00} vs {$310.00}. This is a joke! I called them again. I went over the whole story again with another of their managers. I suggested to pay late fees of 2-3 months right then if they agreed. The manager refused to accomodate me once again and kept repeating the same exact things that the others were saying in XX/XX/XXXX like a broken record ... ... They failed to contact me the best possible way while they could which would be through mail. This whole situation could have been prevented. Instead they kept adding late payment fees towards my unpaid late fees which is causing a considerable damage to my credit report. I do n't think this is fair.
Product: Mortgage

On XX/XX/XXXX, I had a detailed discussion with my current mortgage holder, Navy FCU, regarding the requirements and qualifications for a HELOC. After a thorough conversation, the representative determined that given the triple equity in our home compared to the expected HELOC request, along with my credit, income, and debt-to-income ratio meeting standards, it was highly probable that my application would be approved. Encouraged by the representative, I applied for the HELOC on XX/XX/XXXX. 

Subsequently, from XX/XX/XXXX, to XXXX, Navy FCU requested additional documents XXXX times. On XX/XX/XXXX, Navy FCU notified me that my application for the HELOC was denied, without specifying the reason. Given my extensive experience over 20 years in direct and indirect lending, as well as mortgage lending, I would expect that my loan qualifications for approval would meet the standards set by various regulatory agencies governing lending practices in the United States. I beleive there was loan descrimination in this specific process regarding my application that will show overt evidence of disparate treatment, comparative evidence of disparate treatment ; and/or evidence of disparate impact.upon inpection of my application as compared to others that were granted approval. My attorney intructed to file the complaint as the first step prior to court motion that will allow deposition, record subpeona, and discovery.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been disputing information with Equifax for the past three months its coming back stating the accounts are found to be mine but Ive never opened a account with XXXX XXXX or had a XXXX vacuum from them. Ive got the police report as well as the FTC report now they are wanting affidavit thats notarized. This is such a inconvenience on my end with trying to apply for new things this is in the way of me having good credit as well. Jobs have turned me down from all this there is also inquires that XXXX has removed but Equifax has not. I need this information fixed as soon as possible.
Product: Money transfer, virtual currency, or money service

Hello my name is XXXX XXXX, On XX/XX/2018 all the funds in my Coinbase account was transferred to an address without my consent the total was XXXX.ethereum with a value of XXXX XXXX dollars usd at the time of transfer and XXXX.litecoin with a value of XXXX XXXX XXXX XXXX dollars usd I contact Coinbase, and with no help my email address XXXX, please contact me
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX  XXXX  Account # XXXX XXXX XXXX account # XXXX Has violated my rights .

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trying to remove all comment on credit reports/from credit reporting agencies showing items in dispute. 
1. Please remove all dispute comments on all accounts! 
2. Please remove all late fees and show XXXX balance due XXXX student loan 1 and student loan 2. 
3. Please close XXXX XXXX account and remove all dispute comments! Show XXXX balance due!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX currently actively and incorrectly reports late payments, althought the account was paid on time, and the house was sold in XXXX of 2019. They also charged junk fees like a property inspection fees, which I never agreed to.
Product: Debt collection

XXXX XXXX of XXXX, CA collected - through garnishment- an old student loan account for ECMC XXXX 

1 ) This corporation allegedly sent a " release of garnishment '' for the collections to stop, but my company never received it from them, however, did receive one from ECMC once I contacted ECMC about the matter. 
XXXX XXXX claimed to have sent it out on XX/XX/XXXX and my company/employer NEVER received this alleged copy of THEIR release of garnishment. Furthermore, they refused to provide me with a copy of the alleged release that they sent. My company/employer only received it because I followed up with ECMC. 


2 ) Account Technologies over collected on this debt, because the release of garnishment was never sent/received by my employer as they stated they did. For a month I have been in communication with ECMC and they stated that there was not an overpayment showing and that I should follow up with my employer. My employer - payroll department, representative XXXX XXXX confirmed that XXXX   XXXX cashed the check that was sent to them, the check was cashed on XX/XX/XXXX. XXXX  XXXX confirmed to the payroll representative that they received funds in the same check sent to them for funds for other employees of my company, but deny having record of getting the portion that represented my overpayment. THESE FUNDS WERE SENT to XXXX XXXX  ON THE SAME CHECK, not separate checks. ( Amount of my overpayment is {$380.00} ) 3 )  XXXX XXXX has never tried to help me resolve this overpayment or getting a copy of the alleged release of garnishment - that was never received FROM THEM by my employer. I have only gotten false information and the run around. 

I would like my funds back IMMEDIATELY, because it has been proven that they have them. I am not interested in more excuses and false information. They try to defer to ECMC, but the monies were sent to them directly and they have never recorded it so that ECMC can see this additional overpayment. At this point it is a violation of FDCPA ( Fair Debt Collection Practices Act ). My employer has confirmed that they DO have the funds. Period. It needs to be returned.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my personal information including name, social security number, address, birthdate, driver 's license number, and possibly more. They allowed a data breach to occur in XX/XX/XXXX/XX/XX/XXXX 2017, and they confirmed I could be affected on their website, www.equifaxsecurity2017.com. They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives who dumped stock immediately prior to the data breach announcement.