23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On XX/XX/2024, I made a XXXX transfer to a friend 's email linked with Capital One. 

After I had made the XXXX transfer, she received an email from XXXX XXXX with this email address : XXXX Stating the following : Dear XXXX XXXX We have successfully deposited the {$130.00} payment ( confirmation number XXXX ) into your account ( XXXX XXXX, XXXX, Simply Checking, XXXX ). 

My friend notified me immediately of this email from XXXX XXXX and informed me that she does not have a bank account with XXXX XXXX  and she never did in the past. 

According to Capital One 's investigation that led to my fraud claim being denied three times, I was responsible for inserting the proper recipient information such as email address linked with XXXX. I want to reiterate that I DID use the correct email linked to my friend 's XXXX/Capital One account. However, for some unknow reason the documentation provided by Capital One which was my XXXX transfer to my friend had her banking with XXXX. XXXX could not explain why my friend 's email was linked to XXXX BXXXXnk in the first place. XXXX was not helpful and directed me to Capital One to discuss. They are just a third party app. 

I had the correct email for my friend. She can not retrieve {$130.00} deposited into an account ending in XXXX because she does not have a XXXX XXXX  account. She has no idea why XXXX would had linked her with XXXX to behind with. 

I submitted a fraud claim with XXXX XXXX  and unfortunately, they were not able to create a reference number since I am not banking with them. They did review the documentation and confirmed verbally that my friend never had an account with XXXX XXXX. 

I requested Capital One to contact XXXX XXXX  Manager in XXXX XXXX, XXXX, Maryland, She would confirm this information. I dont believe this was done by Capital One Fraud Investigation Team . 

As a side note, my friend also went to file a fraud claim with XXXX XXXX  and she was not able to since she is not banking with them. 

I want to ask if you can please investigate this issue that is alarming. I expect more from my financial institution and mainly the skills of their fraud department to conduct an investigation that is affecting their customers. 

As of now, {$130.00} was taken out of my account thru XXXX and Capital One. XXXX XXXX  does not have them and my friend cant retrieve because she is not banking with XXXX XXXX  and never did. 

I did an internet search and others were scammed the same way I was. They received that same generate email with different names of financial institutions. 

How is it that a multibillion financial institution cant seem to get their expert on this to get to the bottom of this and protect their customers?
Product: Credit reporting or other personal consumer reports

In XXXX, I received numerous notifications from XXXX XXXX informing me that my credit had been ran by several businesses for auto finance. I did not request or complete any documentation for this. All of the inquires are below with dates. 

XX/XX/scrub>XXXX XXXX XXXXXXXX JPMCB Auto Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Bank of america on XXXX XXXX, XXXX ca, XXXX has not answered any phone call in over XXXX weeks, and refuse to comply with the XXXX  XXXX act. This is considered discrimination. 

I need a phone number that works for vital communication for my banking needs I am physically XXXX, and don't have a vehicle that will store my mobility scooter, so it is not possible for me to go inside the branch at the moment. 

I sent a representative to ask for reasonable accomodations, and a phone number. They refused to provide, and gave a phone number they had no intentions of answering.
Product: Credit reporting or other personal consumer reports

I am requesting immediate removal of this item from my credit, that is reporting clear violation of FCRA Section 611 ( a ) ( 1 ) ( A ). I expected this to be done in 30 days from recipe of this complaint as stipulated by FCRA Section 623 ( a ) ( 8 ). Failure to comply within. the specified timeframe by this creditor is considered willful non compliance, subject to legal consequences. Additionally, I want to make it clear that any action taken by Discover Bank besides deleting the collection will be considered willful non compliance. I am. invoking my rights under 15 US Code 1681b ( 2 ), and I am giving clear instructions to furnish my report and delete the collection account. Failure to adhere to these instructions will result in legal action. This notice serves as a formal notice of violations, and I am expecting prompt action to remedy.I anticipate your immediate remedy to this matter.
Product: Vehicle loan or lease

I sent in a payoff check to capital one auto because I refinanced my vehicle with XXXX XXXX. I sent the check on XX/XX/XXXX for {$10000.00} via certified mail to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX. I confirmed that they received the check on XX/XX/XXXX via tracking number that was given to me and it showed that they signed for it however it has not been cashed. I've contacted capital one daily in regards to this matter. Capital one also confirmed via tracking number provided XXXX that they received it but still cant tell me where the check went. They then instructed me to do a stop payment on the check and have the bank reissue the check. Before doing so they also advised that since it was lost by them it will be backdated to XX/XX/XXXX when they received the first check. I did as I was instructed and when I spoke to a rep on XX/XX/XXXX they stated that the payoff will not be backed and I have to pay additional interest because the check that I sent wasn't a payoff check. The rep still couldn't explain where the check went or why it wasn't cashed and is blaming me for their mistake at this point. I just sent a new check on XX/XX/XXXX after waiting 2 weeks for them to cash this check and I causing a hardship because my credit was impacted due to 2 loans being opened. I'm in the process of buying a house and this issue is causing problems with closing on the home. I beg of you please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX we signed a modification plan with Ditech Financial LLC. We were paying monthly {$2900.00} to Ditech Financial LLC, Attention : Loss Mitigation, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX XXXX XX/XX/XXXX. 
There has been a change of address without notifying us to Ditech Financial LLC, XXXX XXXX XXXX, XXXX, SC XXXX. 
We are paying since XX/XX/XXXX to Ditech Financial LLC, we have made 47 payments of {$2900.00} and till today we did not receive any bank statements, tax documents and we do not have an online account setup to pay electronically. 
On XXXX of the each month we have to go to the post office to send a check. 
After printing a credit report we found out that NewRez-Shellpoint and New Rez-Mortgage Shellpoint are reporting late payments. According to credit report agency we are seriously delinquent. 
We have prove of deposited checks printed from XXXX Bank. We were never late making the payments. 
Due to this wrongly reporting on our credit, our child can not get a federal student loan for her studies at XXXX XXXX XXXX. 

Please help us to solve this crime!!!!! 


Best Regards,
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX last 4 ssn XXXX i am a victim of XXXX XXXX  of debt bondage and i would like for all listed accounts to be blocked and deleted XXXX  XXXX XX/XX/XXXX Account balance- {$1400.00} XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Account balance- {$12000.00} XXXX  XXXX XXXX XX/XX/XXXX Account balance- {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX Account balance -- {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a XXXX XXXX and XXXX where this lawyer said you have XXXX  days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them.
Product: Credit card

I am an Identity Theft Victim. My original FTC document was fed-ex to CFPB on XXXX XXXX, XXXX. My personal information ( SSN, Birthday, Address, Driver License #, Phone # ) were stolen after I opened a phone number on XXXX XXXX, XXXX at XXXX Store XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Sale person # XXXX The Criminal used my identity 1 ) Changed my address on file at Credit Card company, fraudulently charged more than {$36000.00}. ( XXXX XXXX {$12000.00}, XXXX 's {$4000.00}, XXXX {$7400.00}, {$1200.00}, {$1400.00}, CitiCard {$2000.00}, Macy {$1500.00}, XXXX {$1800.00}, XXXX {$4400.00} ). Repeatedly asking for Credit Card replacement or new card after I closed the previous ones. 
2 ) Stole my phone number twice and pretended to be me for Credit Card Call Back Verification. They also opened several lines with XXXX and charged equipment. 
3 ) Showed up at my address twice, first time waited for XXXX delivery to retrieve XXXX Card that I did not request and the second time stalked at my place, either waiting for US Mail delivery or tried to break into my now locked mail box.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity theft. Per Fair Credit Reporting Act Section 605B ( a ) ( 2 ) you are required to remove any accounts which were opened without my knowledge, consent or authority. The following items need to be removed as they are fraudulent 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 EXPERIAN Collection : XXXXXXXX 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX # 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 XXXX : 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

I received notice from my employer that she received a unemployment request by me and had my person information. I am not unemployed! My employer and I followed up with XXXX with the information that I did not request any unemployment. I followed up with Equifax due to I was included in the breach that occurred in 2017 and requested monitoring services. After speaking to several staff there I received report that until the appeals in court are processed I will not receive any monitoring. Asked to file a complaint within the company and had problems getting to supervisor. After talking to supervisor, it took me sometime to get him to file a report. He provided the # and information he supposedly entered into the complaint. I am angry that I did not give them permission to hold my information, they did not secure this information and was breached. Then they reported " sorry '' but are unable to assist me when it was their fault my information was gathered by a stranger. I am sure that due to COVID and high unemployment I am not the only one this is happening to. Equifax presented to me that it is not their problem to assist me. I did not want to provide them any more information than what they have or sign up for any services that they have and can be construed as my permission.
Product: Mortgage

My name is XXXX XXXX and I had XXXX XXXX and XXXX this year which caused me to become behind on this mortgage. We can no longer afford to keep the home and we are listing it for sale XXXX XXXX. We have tried several times to get assistance and the only options we have received were a very expensive repayment plan that we have managed to keep. Our last payment we made was a few days over our deadline. They took the payment and I called our point of contact and left a message that we needed our repayment plan reinstated. We were told it would be reinstated after the payment cleared. It did clear. But no reinstatement. 

I went online to schedule our XXXX payment and it says that this loan is 3 payments past due. They did not infact reinstate our repayment plan because if they did I would be able to schedule a payment. I have called and left messages and we never heard back from our point of contact. 

Its hard enough having XXXX, its even harder when everyone shuts the door on you to get no help. Its hard enough trying to hold onto the property until we sell. There is a lot of equity in our home and it is all I have to relocate and start over so I can maintain my help. I am not asking for a handout. I would like short term forbearance so we can sell. 

I told XXXX that I would send them the listing agent form that we signed to show its going on market. Still no help, nothing. They will get all their money when they sell. 

Its very sad that I will have to file chapter 13 just to protect the equity if we get no help. Please help us.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report It shows as having a secured credit card, when you secure a credit card with a CD or money it should show as a standard credit card on the report and not a secured credit card. Creditors will look at this as a derogatory mark as having to buy credit. 
The credit report should read Credit card or revolving account only not!! Secured.
Product: Debt collection

This company, which I hold no contract with nor have received services from, reported a collection amount against my SSN in the amount of {$1300.00} with XXXX, XXXX, and XXXX credit reporting agencies. I requested verification and validation of the debt, including a wet signature on the document of my alleged debt, however, the business failed to provide adequate proof. Considering this business does not have a signed contract with me for goods and services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
Product: Debt collection

Consolidated recovery group has placed a neg account on my credit report they have violated my consumer rights I never received notice that I owe a debt. I never signed a contract with this company nor have I given them permission to share any of my personal information I have asked that they verify the debt they claim They have not done so I demand that they delete the account of my consumer report This notice is to inform you that you have unlawfully reported an alleged debt to my consumer report. Under the New Rule REGULATION F which took effect XX/XX/2021, XXXX XXXX XXXX has violated the FDCPA 1006.30a and its new rule by parking this alleged debt on my consumer reports. Cease and Desist the reporting of this alleged Debt immediately I have not given you written permission to put anything on my credit profile 15 USC 1681b2. 
You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.

15 USC 1692c ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. 
I refuse to pay this alleged debt. Cease and Desist all collections activity regarding this alleged debt and PROMPTLY Delete it from all consumer reporting agencies that you have reported this inaccurate, incomplete, erroneous, and misleading information to at once. 
The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living, and my ability to obtain credit for personal and house purposes. 
You and your inaccurate reporting have damaged my livelihood.
Product: Debt collection

On XXXX XXXX I sent a debt validation letter to Wells Fargo XXXX dept in reference to years of interest accrued via cash advance. It is my belief that I did not know cash advances were being charged on my account. I requested a fraud review in which I received a letter from their fraud team along with my entire credit card history stating that the charges were valid ( " the account was authorized based off payments and transactions made to the account. ). *My credit card was closed in XXXX and charged off a few years later. * Upon receiving a recent settlement offer for {$1500.00} from Wells Fargo for monthly payments of XXXX for next 10 months, and further review of my charges from what they sent me, I called today XXXX/XXXX/XXXX to make a good faith counter offer of {$1000.00} in which I informed collection rep that due to my current financial status that I will not be able to make payments for the next 10 months of {$150.00}. I informed rep that I was gifted {$1000.00} and would like to settle with all that I had. I was told my offer would not be taken and that I had to either pay {$90.00} a month until full balance was paid ( {$2500.00} XXXX or settle with the 10 month option of paying off the {$1500.00}. 

I do not know what to do with this debt as they do not want to take what I am able to pay with today nor am I able to find extra income to pay an additional monthly bill of either the full payment or settled amount? I feel defeated. All I want is for this account to be over with. I could of been done with this TODAY.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple Reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX XXXXXXXX Account number : XXXX Account name XXXX XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account XXXX : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account XXXX : XXXX XXXX XXXX XXXX Account number XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account number : N/A Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX. 
Account number : XXXX Account name : XXXX XXXX XXXX. 
Account number : XXXX
Product: Debt collection

Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. I have no knowledge of the debt whatsoever please remove from all 3 credit reports. Total amount owed is {$0.00}. Ive already disputed with all 3 credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureau to validate this account ( A ), as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 my 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 creditor. It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and delete : XXXX XXXX Date Opened : XX/XX/2017 Balance : {$0.00}
Product: Credit card or prepaid card

I transferred {$220.00} to my sub account and another {$220.00} was taken out of my account and there was no transaction or anything it just disappeared. After spending 2 hours on the phone with different reps and having them add up all of my transactions one rep finally called someone else and I was then told that it was a known issue and they will open up a ticket