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

When using the bill pay system at CapitalOne bank, the funds for the check are withdrawn before the check has been deposited/cashed by the receiving party. If the receiving party does not receive the payment, the owner of the account is not made aware. The owner of the account has no indication if the funds were actually received. I bank with several other banks, and they all will only withdraw the funds once the check was cleared. I have had to argue twice with the bank that checks were never received in order to receive the funds back into my account. Their official policy is to refund the money after 90 days which I find unacceptable.
Product: Mortgage

I was behind on my mortgage, and it became intensified by covid. I was a XXXX XXXX, and I lost my job. I heard about the government program for families struggling to pay their mortgages. I had done the forbearance option, but it was time to pay it back and I couldnt. I applied for and was granted the grant that covered all the arrears on my mortgage. I am so grateful. Just as I prepared to make my first payment my servicer started calling saying I had a payment due for XXXX. The paperwork I received said I was due in XXXX. I called my servicer to confirm. They told me the grant only covered up to XXXX because they had made a mistake somewhere, but they did not include it. 
The grant total was completed in XXXX of XXXX. I made a principal payment in XXXX and XXXX. I asked the servicer what they did with that money since they had already given the government program the total amount to cover me until the end of XX/XX/XXXX? The servicer told me that they applied it to XX/XX/XXXX. I asked how was that possible when they had already been included in the government grant payoff? I told them that they were double-dipping collecting from both the government and me for the same period and that because they had already been paid for XX/XX/XXXX, the money I paid after the grant amount was submitted should have applied to whatever they were asking for the month of XX/XX/XXXX. 
I am writing because they are trying to cheat me. I was prepared to pay in XXXX, they are threatening me with now damaging my credit report by showing 30 days late. I feel I am being strong-armed here and am at their mercy. They want to get paid twice for the same month of XX/XX/XXXX. 

I believe they are trying to set me up for failure as a punishment for receiving the grant. I am angry and afraid because I am just getting my credit back together after a long journey of arrears left from my divorce and trying to live on credit cards because of losing my job. 

The servicer is talking to me as if I am ignorant of the financial part of this. While the servicer acknowledged they tried to go back to the grant program to fix their error, they were unable to do so. I have no problem with them getting paid for XXXX, but I know that I have given them at least two payments of {$930.00} to equal $ XXXX that can be applied for XXXX because they have not refunded it back to me. 
To recap : XXXX requested the total of everything owed to my servicer. XXXX of XXXX XXXX settled on the amount of {$54000.00} to clear and bring current my account. My servicer agreed. I was not notified right away so I made ( 2 ) principal payments after that date. I received a letter stating I was paid up and my first payment would be due XX/XX/XXXX. My service came back and said I owed $ XXXX for the month of XX/XX/XXXX. I asked what was done with the money I paid after the settlement was made and I was told it was applied to XX/XX/XXXX which was also included in the settlement amount for XXXX and if I did not give it to them, they would report to the credit bureaus that I am 30 days late. 
Can you please help me? This isnt fair.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filled out a page of investigative accounts for Equifax to investigate. Previously my file was 34 pages long when it should be 12 pages long. Now they have managed to extend it to 54 pages long. They refuse to correct or omit closed accounts, that were closed 7-8years ago. They refuse to scrub pages of XXXX   balances. they refuse to shorten and streamline my report. My report is filled with all the " garbarge '' they can manage to throw into it to to make it as long as possible. It is no longer a report, it is a book. This third rate company would rather endure torture than omit ANYTHING, whatsoever from my account. My credit report looks like XXXX. I would like it cleaned up and shortened.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had several late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : Account : US DEPT ED : XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Product: Credit reporting or other personal consumer reports

I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. 


XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have absolutely no idea who this company is or why they are fraudulently furnishing derogatory information on my Consumer reports. I am demanding Columbia DEBT RECOVERY LLC DBA GENESIS Cease and Desist any and all contact with me the Natural Man/Consumer unless it is in respond to my inquires or regarding remedy for myself. I would also like Columbia DEBT RECOVERY LLC DBA GENESIS to provide me the information as follows : 1. Who is the ORIGINAL CREDITOR? 2. If this debt was purchased? What date was the credit file purchased from the ORIGINAL CREDITOR? 3. How much was this debt purchased for? 4. All Accounting Ledgers 5. Original Contract. Not a " redacted '' copy of the ORIGINAL CONTRACT 6. ANY and ALL information pertaining to this alleged debt. 7. I am demanding you Cease all efforts to collect this alleged debt until ALL discrepancies are RESOLVED in alignment with the LAW 8. ANY license you may have obtained that grants Columbia DEBT RECOVERY LLC DBA GENESIS to collect ANY DEBT in the state of TEXAS.
Product: Debt collection

XXXX allowed multiple simultaneous fraudulent accounts to be opened using my social security number in XXXX. The accounts were opened under different names with different phone numbers and different addresses. The fraudulent XXXX accounts are # XXXX and # XXXX I was never notified of these fraudulent accounts until after the debts had been forwarded to Diversified Consultants who started to attempt to collect the debt by reporting these to the three main credit bureaus. My credit score dropped about 150 points which was the first time I became aware of false reporting on my credit reports for fraudulent accounts. I filed fraudulent account affidavits per the process through XXXX on XX/XX/XXXX. They have not closed the accounts nor stopped collection activities. I spoke with XXXX XXXX on XX/XX/XXXX from XXXX regarding these issues who said that they still required a copy of a police report and would not close these fraudulent accounts. I provided a police report number on the affidavit in addition to the other identification and proof of residency documentation. The affidavit form did not say that a police report was required to close this investigation. They are asking me to take a day off of work to go to XXXX public records to get a copy of a police report for them. I have completed all of the requested steps already to close these accounts. 

I would like the debt collection records removed from my credit reports by Diversified Consultants. I would like XXXX XXXX to stop collecting these fraudulent debts. I would like letters from both of these companies stating that they have stopped collection activities and removed debt collection records from my credit reports.
Product: Debt collection

I was living in apartment with my mother she put me on the lease with her letting me know dhe would pay the bills while knowing i was in school and couldnt afford the rent causing me to get and eviction on my credit report when i wasnt financially able to since i was in high school paying to get to school and paying to keep things for school and while keeping food for myself and was XXXX working part time XXXX fast food restaurant and while my mother sat home not even trying to pay the bills snd never informing me on the bills not being paid
Product: Checking or savings account

Hello, i am filing a complaint with the CFPB regarding Capital ones failure to deposit my direct deposit from my employer. Capital one says its caused by technical issues with a 3rd party which may violate the ETFA as it requires timely access to funds. This is raising concerns about consumer protection laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed an entry on my credit report with XXXX XXXX concerning XXXX Bankruptcy and the only response I receive is verified information so how is it verified information if the courts do not report to the ( XXXX XXXX XXXX XXXX XXXX in which I have included a letter stating that and XXXX  also has stated they do not report to the credit reporting agencies it is also included so if the information is not verified from the original creditor how is it verified information? 
I have asked for validation of notice of how and from whom this information was verified with and no response the only letter I receive back is verified information which is not verified cause the original creditor does not report to the credit reporting agencies.
Product: Debt collection

I have false credit card information on credit report with debt that doesnt belong to me. My information was exposed in a data breach. I am also a victim of identity theft so as per code 15 U.S.C 1681 I would like these items disputed and removed.
Product: Credit reporting or other personal consumer reports

I am aware that you have been responding to many of the disputes, complaints, and challenges with pre-written standard form letters, despite the precise information consumers have provided. I am well aware that this is ILLEGAL ; as each consumer dispute must be addressed individually and dealt with by its particular merits. My letters have been written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. It is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I understand that there is no requirement for you to request a Power of Attorney to delay processing consumer letters. If you fail to process my letters promptly, I will consider it as a deliberate disregard for my consumer rights. In such a case, I will be compelled to contact my attorney and pursue legal action. According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of Metro 2 data field reporting, I have the right to dispute any information on my credit report that I believe is not correct. All data included in a consumer 's file must be properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and financial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. We must ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as METRO 2. I kindly request that you handle this matter with utmost care and diligence. 


Heres the list of the questionable items : XXXX XXXX XXXX XXXX - Account Number:XXXX Please remove it from my public record XXXX XXXX - Account Number:XXXX I need to see all bank transactions that belong to this company that would prove my payments were not accepted on time or you need to remove these unverified late payment.
Product: Debt collection

This is not me, you have confused me, with some one else.please stop reporting this false debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

TO WHOM IT MAY CONCERN : I XXXX XXXX DID NOT AUTHORIZE THESE INQUIRIES THAT IS REPORTING ON MY CREDIT REPORT AND IM ASKING THAT THESE INQUIRIES BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY DUE TO XXXXTHE FAIR CREDIT REPORTING ACT, 15 U.S.C . 1681bXXXX ... ..THANK YOU XXXX FINANCIAL- XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This debt was fully paid through garnishment and fully satisfied on XXXX XXXX but they continued to garnish my wages even after I contacted them to stop. They threatened to take me to court again and claimed I owed them an additional $ XXXXXXXX. The collection agency attorney even sent a signed court document dated the XXXX of XXXX showing my full satisfaction of the debt. I had to file for a hearing with the judge in order to get the cease garnishment letter filed and as an attempt to recover my over paid funds. Then on XXXX XXXX the attorney for the collection agency sent me another letter claiming I owed them {$2400.00} and that I needed to provide more proof that I did n't owe! This company and their attorney are violating the Fair Debt and Collection Act, exercising malicious prosecution, and abuse of process! I have paid my debt now they need to leave me alone!
Product: Debt collection

In XXXX of 2023 I noticed something wrong with my credit report information was being reported to my debt collections from Ability Recovery Services LLC in regards to a debt that was in my name by XXXX XXXX thought it was weird because I never attended the school so I began to complain my case was referred to FTC I will be attaching both the their report and the Police Report that was recently made in regards to this matter.
Product: Debt collection

I have never had a card with discover - account showed up on my credit report out of no where.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently have come to find out someone has been using my personal information to get medical care. Some time ago I received a letter from XXXX stating that I had received a medical bill for {$1900.00} dollars. I was never in the hospital on whatever said date and have never even been a patient at this hospital. 
This is the information on the account : Account info Experian Report # XXXX XXXX Account number XXXX Date opened XX/XX/2022 I have since filed a report with the FTC and have attached it to this complaint. The FTC Identity report number is XXXX. 
I have included a written statement on the identity theft report along with attaching a picture of my driver 's license and social for verification. 
I would like this account removed from my credit file because it is fraud. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I became fully XXXX in XXXX. None of this was by choice ; unfortunately I became very ill. After recovering from the first event, I notified XXXX of the situation. I applied for Total and Permanent Loan Discharge. For some reason unknown to me, the application for TPD never went thru. XXXX continued to report all kinds of different late payments on my credit reports. Not only did they report late payments, but none of it makes sense at all on how its reported. Some of the accounts were being reported never late and some late all the time. Some of the accounts went from not late to 120 days late. It does not make sense. All of this is 100 % incorrect and needs to be corrected. 

I have sent information to all 3 credit bureaus showing complete discharge of all student loans due to Total and Permanent XXXX. When the credit bureaus contact XXXX, someone within the company is reporting that my information given is not correct and the credit bureaus state that the debt is still owed. I have submitted the information received directly from XXXX and from the Department of Education!
Product: Money transfer, virtual currency, or money service

Identity was stolen and I'm not sure if my inheritance was at this bank
Product: Credit reporting or other personal consumer reports

Please delete all fraudulent accounts and hard inquiries off my credit file from XXXX, XXXX and TransUnion immediately. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX {$760.00} XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

I am XXXX XXXX, had a checking account with Bank of America with, while I was in the country. I left the country before covid and currently settled in XXXX as I am working here and not in a situation to return in the near future. I received a letter from the bank stating that my account is inactive and if do not respond, the funds would be transferred to debt funds dated XX/XX/. I tried to contact the customer care support asking their help to close the account and transfer the funds to my account here in the XXXX, but despite hearing all my requests, they are not even 'able ' able to authenticate my identity. 
First, they said that they will send a verification code to my mobile number according to their records. Since I am no longer having the cell number which I was using while I was in the US, they tole me that I can update any of my known friends or relatives number, so that they can help me. I updated with one of my close friends number, but they denied it later saying that it it not even updated in the system. Later another executive told me that there is another option to send the verification code over my email. I updated my emails nd started getting notifications while they are still saying that it may take days to get updated in their end. Then another executive told me that my ATM/Debit card which is required to verification process can be couriered to my current overseas address if I updated it with system. They also told me that if it happens, the charges would be deducted for the account also. After updating my address and while trying to request for a new card, it was giving me option only to request for my credit cared and Debit card option had already been frozen. 
Once speaking to an executive over the phone and when requested several times, she transferred me to her manager and the manager after hearing all my stories pretended that she tried to help me but after a while she disconnected the line saying that I am not audible. 
I am herewith requesting you to do the needed so that my account may be closed herewith and the fund left remaining may kindly be transferred legally to my XXXX account. Details can be provided later on request. 
I do agree that we all come across different types of online scams and I am not to criticize or blame any of the staffs who attended my call. 
Thanks and Regards XXXX XXXX
Product: Debt collection

ok so this company KIMBALL, TIREY ST JOHN LLP has ruined my credit for the last 3.5 yrs and keeps charging interest every month year to date over XXXX in interest charges not sure if thats legal, i called the number provided and tried to explain to him my old girlfriend used my name on a lease without my permission and i am not responsible for this debt this rude gentleman responded by saying there going to freeze all my assets they already have a Levi on my checking account in the middle of a pandemic i asked him are you guys lawyers because i keep getting these intimadating intimidating letters with big bold letters saying the law offices of KIMBALL, TIREY ST JOHN LLP TURNS OUT THERE JUST DEBT COLLECTORS AND NOT REAL LAWYERS THIS IS A MISLEADING SCARE TACTIC AND A VIOLATION OF 15 U.S. CODE 1692E ( 3 ) ( 10 ) ( 14 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney. 

OK SO LETS TALK ABOUT THE ACCOUNT STATUS IF THIS A COLLECTION THE ACCOUNT STATUS SHOULD BE CLOSED IF ANYTHING WHY WOULD THE ACCOUNT BE OPEN ALSO THEY KEEP PLAYING AROUND WITH THE ACCOUNT IN XXXX LAST YEAR THEY CLOSED THE ACCOUNT PROOF IN THE ATTACHMENTS THEN A FEW MONTHS LATER IT REAPPEARED OPEN WITHOUT MY WRITTEN CONSENT WHICH IS ANOTHER VIOLATION THE DATE OF LAST ACTIVITY IS INACCURATE FALSE REPORTING TWO DIFFERENT DATES THE LAW CLEARLY SAYS IT MUST BE 100 PERCENT ACCURATE THIS COMPANY IS ALSO NOT REGISTERED WITH THE ( DFPI ) PURSUANT TO THE NEW ( DCLA ) DEBT COLLECTOR LICENSING ACT NEW CALIFORNIA LAW
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a new car lease. My credit was checked with XXXX  and I had an XXXX credit score. Then, my credit was check with an unknown company called XXXX , XXXX  and my score was a XXXX. I was denied the lease because of this. I never heard of theses people and you don't have to be XXXX to figure out that there is a problem. I contacted the phone number provided on the denial letter for XXXX, had to leave a message and no return call yet. These people should not be allowed to check one 's credit-obviously they are incompetent. Can they be barred from doing so? All my credit scores are well over XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

A loan was taken out in my name. I did not initiate nor apply for loan. Please see letter I sent to Mosaic Loan Co. 
______________________________________________________________________ Sometime in the XXXX of XXXX, a Solar representative named XXXX XXXX, called me to see if I would be interested in placing solar panels on the roof of my home. We set an appt to go over the possibility. 

However, I was unable to attend that meeting because I had a business work trip to attend. 

Months later I started receiving a bill from a company called Mosaic. When I called Mosaic on XX/XX/XXXX, I spoke to XXXX XXXX out of the XXXX XXXX. She informed me that the loan was initiated by representative XXXX XXXX in order for me to receive solar panel installation from XXXX XXXX. 

I informed Mosaic that I did not take out a loan, nor did I receive any solar panels on my home. XXXX XXXX informed me that I would have to contact XXXX XXXX to have the loan closed out. Please see attached email from XXXX XXXX in XX/XX/XXXX. 

I was informed by XXXX XXXX, that they would Close Out my solar panel order and inform Mosaic to close the loan. ( Please see attached email from XXXX XXXX in XX/XX/XXXX. ) As of today, I am still receiving bills from Mosaic on a loan I did not apply for, sign for, nor request, for work that I did not ask for, receive, nor want. 

Please close this FRAUDULENT loan that I did not apply for.