23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I started receiving emails from Capital One about a credit card account in early XXXX. I did not sign up for a credit card. I do not have an account with Capital One. I checked with my bank and credit reporting services to see if there might be a fraudulent use of my info. There was no fraudulent use of my personal info as far as we could tell. 

I called Capital One. We determined that someone with my same name, but a different middle name, had opened an account. They must have incorrectly entered their email address because all of the emails from Capital One are coming to my email ( XXXX ). On my first call with Capital One, which lasted more than an hour, I was bumped between departments 6 times until I was told that the issue was resolved and I would no longer receive these account emails. 

A few days later, I received more emails. These emails included login reset instructions, so I am worried about their security protocols and my information being exposed. 

I called Capital One again and was again on the phone for more than an hour being passed between departments. I was given to a supervisor. Again, I was told that the issue was resolved and I would no longer receive any emails. 

The emails continued. 

I called a third time, and was one the phone with a number of departments for 90 minutes. I spoke with another supervisor and was assured that the emails would stop. 

The emails are continuing and I am receiving emails about payments due, changes to credit reports, and account login changes. 

I have attached a sample of the emails I have received. I have received 51 emails in total.
Product: Debt collection

Account is closed and is showing as open on my credit report. They are also continuing to mark payments as missing or late when the account is no longer even with this company and it is closed. They also have been harassing me over the phone calling from different numbers multiple times a day, even though I am on the do not call list.
Product: Credit card or prepaid card

Capital One closed my credit card after a return payment was submitted to them. The payment that was submitted was submitted from an account that was opened up fraudulently. I called Capital One and told them that I did not send the payment and to please open my account up as this was a fraudulent ordeal. I told them that I would send the paperwork from the bank and from USPS Postal General. I just want my account back. I haven't heard back at all from Capital One. With this ordeal my credit balance is double its limit and I am in the process of paying the money back as we speak.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXXXXXX : {$500.00}
Product: Money transfer, virtual currency, or money service

On Thursday, XX/XX/year>, XXXX, I wired XXXX XXXX XXXX dollars ( {$100000.00} ) to XXXX XXXX XXXX XXXX at Truist Bank XXXX XXXX XXXX XXXX, from XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) for an investment opportunity with my friend, XXXX XXXX XXXX Less than one hour later XXXX XXXX, the account holder, advised that the {$100000.00} was received in the account. 
Truist Bank then flagged the transaction as suspicious and closed the account. Truist Bank will not deal with me at all as I am not an account holder. 
No one at Truist Bank is able to provide a specific reason to XXXX XXXX and they advised XXXX that the fraud department does not have a phone!!?? 
According to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( my bank ), Truist Bank has communicated on three separate occasions with XXXX XXXX  that " WE ACKNOWLEDGE RECEIPT OF YOUR REQUEST AND WE WILL REVERT SHORTLY ''. 
Today, Tuesday, XX/XX/year>, Truist Bank advised XXXX XXXX that no one has attempted to claim the money and it it currently in Unclaimed funds and will be held for 90 days! 
Despite multiple communications from XXXX XXXX  requesting return of the money, as well as numerous calls from XXXX XXXX and myself, 19 days later, Truist Bank continues to refuse to return my {$100000.00} to XXXX XXXX. 
At the least, it seems like Truist Bank must be violating federal Banking policies and procedures. It also seems like a criminal matter as they are making false statements that the money is unclaimed and refusing to return the money. 

I am making a Formal Complaint against Truist Bank fand requesting an investigation of violation of banking rules and regulations Thank you in advance for any assistance you can provide. 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Gatestone and Co acting on behalf of XXXX XXXX has been contacting family members despite a resolved complaint to the CFPB on XX/XX/2020 where XXXX stated they would no longer contact at least one family member 's home and cell numbers. They have been doing so in breach of the FDCPA and TCPA by utilizing robocallers as well as spoofed telephone numbers such as XXXX.
Product: Credit card or prepaid card

a suspect stole my credit card number and use it to buy XXXXXXXX XXXX and XXXXXXXX XXXX i have never use this aplication to order food before they stole {$880.00} the thieves star using my credit card on XX/XX/XXXX to XX/XX/XXXX i am very depressed that bank or america does not want to resolve this i am a XXXX yrs old and i have a hearing problem and the bank refuse to resolve my case
Product: Credit reporting, credit repair services, or other personal consumer reports

Citi Bank closed my credit card after agreeing to dismiss all charges with a hardship case due to medical issue. The executive office granted this to me. However they continue to report late payments and claiming I owe Over {$3000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX WY XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$3400.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

a while back my house was broken into and they stole my personal belongings from my house such as id social security card, drivers license, birth certificate. since then I have been seeing numerous things come up on my credit report and I have not been the one opening the accounts. I have reported to the credit bureaus but small actions have been taking, i just found out about the cfpb.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are many credit inquires and debts that arent mine. I have reached out to all 3 credit agency via phone XX/XX/2020, XX/XX/2020 and XX/XX/2020. I have also reached out via mail XX/XX/2020 and XX/XX/2020. I can not get a response. There are many credit inquires that were not completed by me. There is also multiple things that are on my report that are not even mine.
Product: Credit reporting or other personal consumer reports

I have placed a Security freeze with Lexis Nexis and XXXX in XX/XX/XXXX but upon reviewing my report, I see that they have still provided information to and responded to " inquiries '' sent to them beyond this date. On XX/XX/XXXX 2023 I have also requested a suppression/opt out of all personal, financial, contact and locate information via Lexis NexisXXXX/all other subsidiaries and affiliates pursuant to my rights under 15 U.S. Code 6802, 16 CFR 313 and its subparts.

In addition, in accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Product: Credit reporting or other personal consumer reports

This company ( XXXX ) collection process and website is confusing and misleading. I was set up for automatic payments out it was only taking out incorrect payments. When contacting the company I made payment and set payment arrangements for the balance. After making these payments as agreed the place a 90 day deliquecy of unpaid on my credit report dropping it over XXXX points. After attempting to contact company for a week straight I have not been able to reach anyone. Been on hold with company for hours each day. 

I request that this negative reporting be removed from all credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a closed account which is also new than 6 years old. This needs to removed from my credit report so I can move forward with fixing my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has removed incorrect entry the report and the three major bureaus refuse to remove it from my report. I have long suffered from this willful violation of my section 604 rights for my fair credit reporting rights.
Product: Credit reporting or other personal consumer reports

I need all Names and addresses deleted from my credit report except the name and address that will be on the drivers license and current bill that I will be attached to this complaint. Everything other than the information provided is incorrect and should not be on my report.
Product: Student loan

I was on a forbearance payments with navient for 3 loan that I co-signed for him and have been paying between XXXX. I called and they said that is now over and I have to pay XXXX i talked to someone about an income based program and all they can do is lower my payment to XXXX a month. I make XXXX a week and went over all my expenses such as car, mortgage taxes utilities and they said there is nothing they can do. They automatically deducted the 1st payment from me which leaves me in the negative. They will not work with me at all. They only lowered my interest rate to 3 % which leaves me with that XXXX payment. I don ; t know what else to to. I was will to give XXXX but they wont except anything from me. I have called them 3 times and received 3 different answers for payments so I called again and the final payment was XXXX Thats it.the bottom line which I ca n't afford.My house is now for sale which you can verify online because I can no longer do this
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I purchased hunting gear from XXXXXXXX XXXX XXXX XXXX The total amount was {$140.00}, and I canceled the order to be able to buy the items at a different store. One item was able to be refunded, but The other items were not able to due to Cash Apps issues. It took roughly a week and a half to finally be reimbursed of my money. I texted cash app 's ai support in order to get help. Then I had to take matters into my own hands and was able to get in contact with their support. The man on the other line pretty much recited the conditions of cancellations/returns which was already stated by their Ai support. This information was of no help and I still was not able to get my full reimbursement.
Product: Credit reporting or other personal consumer reports

All bills are paid except for XXXX  in XXXX yet massive deduction to my score were reported in Experian lowering my credit score by XXXX points in about 30 days. 
On XX/XX/XXXX, XXXX down On XX/XX/XXXX, XXXX down On XX/XX/XXXX, XXXX down On XX/XX/XXXX, XXXX down On XX/XX/XXXX, XXXX down No rationale, No event recorded or given, No company name given, No reason just taking points off my credit score arbitrarily or on a whim. Called experian 3 times, told me they can't do anything about it or explain. Poor maintenance of records, punitive and doing a maneuver trying " to sell '' be their credit boos to help this situation. Corrupt and inaccurate.
Product: Vehicle loan or lease

Westlake Financial Services charged me twice because of their website error, now I'm almost {$600.00} in negative balance and they will give me a refund in couple of days, in a meantime a bank will charge me {$35.00} overdraft fee and I HAVE NO MONEY TO MYSELF.
Product: Credit reporting, credit repair services, or other personal consumer reports

The reporting agencies are mistakenly using the credit card of another as if it was my own. 
My name is XXXX XXXX XXXX and my age is XXXX. They are mistakenly showing the credit card as owned by me. It is not and is the card of XXXX XXXX XXXX an accountant in another town. I live in XXXX XXXX and he in XXXX. The credit reports also show me as an employee of his in XXXX. I have never worked in his business or for him. 
The credit bureaus show I obtained this credit card about 9 years ago are in error. This is not my card and therefor I could not have used it. XXXX XXXX XXXX has confirmed to me that it is his card. I have filed complaints with Transunion at least six times and the others as well. I have been told each time that it is my account. I do have a credit card with XXXX and the last numbers are XXXX. I have had this card about 4 years and rarely use it. 
Please help as this if painful and very difficult for me and I have spent many sleepless nights. 
Thank you very much. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity theft and had already filed the Police report and FTC report on the items listed on the same report at my previous address. Regional Acceptance Corporation account resulted from identity theft and was already deleted to XXXX and XXXX but not XXXX. I have also filed a complaint regarding this account in CFPB on XX/XX/21, but I don't receive any response from XXXX and Regional Acceptance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple bill I received in the mail. I have never heard from the place before. Therefore I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

DPTEDXXXX XXXX {$2000.00} DPTEDXXXX XXXX {$2000.00} XXXX XXXX {$420.00}
Product: Credit reporting or other personal consumer reports

I noticed I had several late payments with this company. I was asking the company to update my payments to XXXX or bring my account to good Standing due to law 15U.S 1681 section 604A section 2, 15 U.S 1681 section 602 states I have the right to privacy. 15 U.S 1666B
Product: Debt collection

Hello, I randomly received an alert a few minutes ago from my credit monitoring that there was something " potentially negative '' that just hit my credit report. Confused, I checked and upon checking, there was a false debt put onto my credit report. It says the debt was opened XX/XX/XXXX by the company Jefferson Capital Systems LLC. It says I have a collection amount of {$2100.00} past due as of XX/XX/XXXX. It also says that the status was updated XXXX XXXX. It also says that the original creditor was XXXX but there's nothing after that. I'm not sure who this is and where this random debt came from. I received no phone calls, emails, or physical mail notifying me of this debt either from either an original credit or the debt collector. Part 1006, XXXX XXXX, Title 12, Code of Federal Regulations specifies the rules for debt validation notices. No one contacted me about said debt ( although it isn't mine ). Nonetheless, this needs to be removed because it is fraud plus no one even contacted me before putting this on my credit report illegally.
Product: Debt collection

XXXX XXXX XXXX. Did not contact me about a court date and is taking more money out my paycheck every payday than what the court order. This debt is over XXXX XXXX XXXX.
Product: Credit card

I closed my XXXX ( Wells Fargo ) XXXX back in the beginning of XX/XX/year> due to a unacceptable security breach and detestable, completely incompetent and downright disrespectful customer service. This financial institution does not even provide a phone number for their customers and blatantly disguise their atrocious behavior behind screens with cowardice. Part of the rewards program is gaining points to pay for your rent. I requested a rent check in the amount of {$96.00} on XX/XX/year>. After weeks of waiting for the check to be received in the mail, I was told via text, the only option of communication, to cancel check, which I cancelled on XX/XX/year>. I was advised to go into the app and request a duplicate check with a copy and paste boilerplate reply countless times by support staff. Due to the account being closed, I am unable to use this feature. It simply states that my account is delinquent despite having a negative balance of {$16.00} due to a credit that was added post pay period. After innumerable attempts of requesting assistance from this horrific company to retrieve my money, I am requesting help from you. I even went into the Wells Fargo branch near my home and they were extremely apologetic, stating this company has an atrocious reputation and they could not assist due to this being a partnership issue, not a Wells Fargo issue. In turn, XXXX is blaming Wells Fargo and refusing to take accountability for their shortcomings and abuse months later. I would appreciate if you retrieve a total of {$110.00} of my money that I have been fighting for the last few months and investigate this company for other fraud/wrongdoings that they are inflicting other on innocent citizens, who are trusting them with their finances and paying their rent to survive. They should be ashamed of their greed and heartless behavior during these times and should suffer the consequences.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter to the credit bureaus, my U.S. POSTAL SERVICE CERTIFIED MAIL RECIEPT tracking numbers are ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is in regards to remove personal information that is reporting incorrectly, and to make sure that all my credit reports match up. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. also according to 15 USC 6802. no Financial Institution can share my information with third party people. 

THESE ARE CLEAR VIOLATIONS OF MY FEDERALLY PROTECTED CONSUMER RIGHTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish a account without my written instruction. 

15 USC 1666B A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit card or prepaid card

I was XXXX XXXX and while in this state my granddaughter ( my care take at the time ) opened and used this " XXXX XXXX aka XXXX XXXX '' credit card. I appreciated her taking care of me when I was XXXX  unstable and did not want charges brought so When this came to my knowledge, and I was stable under physician care I notified the company and made an agreement with them to pay a set monthly payment on a set date with auto withdrawal from my checking account each month to assure that payment would be made on time and would be paid as agreed until the amount owed on charged was paid in full. Which according to the calculation at the time of the agreement with the XXXX representative, over the phone, would have been XX/XX/2018. Todate I received a bill from them for {$180.00} the account was to close upon payment in full so I believed it was closed, and I had stoppped payment authorization in XXXX after it was supposed to be paid in full as agreed. Advertisment would come from the XXXX card company but I would just throw out the letter I was not interested and believed it to be paid in full. 

When I called I learned that The XXXX  company had been deducting from checking the agreed amount and now charging me late fee of {$39.00} each month and when questioned why they said I paid late each month which is causing the account to continue to increase. The interest rate they are charging ontop of the Late fee is 27.2400 % My medication is helping my XXXX capacity but I had to have help in contacting your agency. 

My name is XXXX XXXX, I live at, XXXX XXXX XXXX, XXXX, Sc XXXX my helper is XXXX XXXX her phone number is XXXX. I am more than willing to have my physician send a letter as to my status should you require a letter. My home number is XXXX and I will verify that XXXX XXXX is helping me here in trying to get this matter resolved..