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

Chase Bank-my checking account - {$750.00} was stolen ( a check washed ). I reported to Chase Wednesday nightXXXX XXXX. At XX/XX/25, my money still has not been returned to me. They have been giving me the run-around. Gave me several different dates of claim approval and, money to be in my account. Now they say by XXXX. This is unacceptable. It is my money and I have not paid my rent. It was part of my SS check.!.
Product: Credit reporting or other personal consumer reports

I see that XXXX, Equifax, and XXXX are reporting XXXX XXXX  XXXX XXXX somewhat negatively on my consumer report without my consent. I have attempted months ago prior to this complaint to call and send in a letter stating that Per the FCRA as a federal protected consumer I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal, and nonverbal per 15 USC 6802. I still see that it is on my report even when it shouldn't have been to begin with considering I never gave permission or consent to report this on my credit report. Under the Privacy Act of 1974 it clearly states, No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. Also, 15 USC 1681b states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. According to the Fair Credit Reporting Act 15 USC 1681a-4, " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy ''. XXXX, XXXX, and Equifax are all consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information ''. Also, I see a lot of transaction history being reported including the high utilization that's being reported but according to 15 USC 1681a-exclusions, report containing information solely as to transactions or experiences between the consumer and the person making the report. Then 16 CFR 313 - Privacy of Consumer Financial Information, helps back my point that all the transaction history is illegal to report and should not be reported on my credit reporting 's from what 15 USC 1681a section states. Every company in their agreements with consumers said they would follow the law and agreed to do so. They are aware that they are breaking the law and continue to do so daily with prior knowledge of the law they agreed to uphold for the benefit of the consumers and to not undermine the public confidence which is essential to the continued functioning of the banking system according to 15 USC 1681a-1.15 USC 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, Equifax, and XXXX are not maintaining reasonable procedures.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, Unit XXXX XXXX, GA XXXX XXXX : XX/XX/XXXX SSN ( last 4 ) : XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, D.C. XXXX Subject : Formal Dispute and Request for Immediate Deletion and Validation of Account : XXXX  XXXX Dear CFPB, I am writing to formally dispute the following account listed on my credit report from XXXX. I have never opened or authorized the account described below, and I am demanding its immediate removal from my credit report. Despite having been in great standing with all of my correct and verified XXXX XXXX accounts, this account does not belong to me. I have disputed this account on multiple occasions and have not received any proper validation from the credit bureaus or the creditor. 

Disputed Account Information : Account Name : XXXX  XXXX Account Number : XXXX Credit Bureaus Involved : XXXX Date Opened : XX/XX/XXXX Current Status : Collection/Chargeoff Balance : {$0.00} Comments : Account was in dispute - now resolved - reported by subscriber. Unpaid balance reported as a loss by the credit grantor. 
I have an impeccable record with my legitimate XXXX XXXX accounts, all of which are in good standing. This disputed account is clearly an error, and I am requesting immediate validation of the account or its deletion from my credit report. 

As per the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I have the legal right to request the following : FCRA Section 611 ( 15 U.S.C. 1681i ) : The right to dispute inaccurate information and have it corrected or removed if it can not be verified.

FCRA Section 609 ( 15 U.S.C. 1681g ) : The right to request original signed documentation or proof of the debt 's validity.

FDCPA Section 809 ( 15 U.S.C. 1692g ) : The requirement that the debt collector provide validation of the debt upon request, or cease collection activity if they are unable to validate.

FCRA Section 623 ( 15 U.S.C. 1681s-2 ) : Creditors must accurately report information, and if they are unable to verify the information, it must be deleted. 
This letter serves as a formal request for the original creditors signed documentation or any other proof demonstrating that this debt belongs to me. Should this documentation not be provided within the legal timeframe, I demand the immediate removal of this account from my credit report. 

As of XX/XX/XXXX, I have received no communication regarding my previous disputes, violating my rights under the FCRA and FDCPA. I urge the CFPB to ensure compliance with these laws and facilitate the removal of this erroneous account from my credit file. 

Thank you for your attention to this matter. I trust that the CFPB will take swift action to ensure the resolution of this issue in accordance with federal regulations. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

In XX/XX/XXXX I totaled my XXXX XXXX XXXX I had full insurance and I also had gab insurance and there still trying to say that I owe almost XXXX dollars on the car when I paid XXXX dollars a few days after the accident to bring my account in the good and there trying to say that the gab insurance that I was being charged for didn't cover the rest even though nobody was at fault for the accident
Product: Credit card

I received a call from XXXX fraud department on XXXX XXXX 2015. They wanted to know if I am happy with my purchase, I told them I never ordered any tickets from them. 
I then immediately called. Capital One and told them there has been unauthorised charges on my account. They told me they will investigate and remove the charges. 
The unauthorised charges are for {$910.00} and for {$52.00} I was told the unauthorised charges for a total of {$960.00}, will be removed from my account. 
Lo and Behold when I got my billing statement it says I owe {$730.00}, this is in error, my total legitimate charges are only {$180.00} and that is what I was expecting to be billed. 
Capital One sent me a billing statement that is very difficult to understand. The billing statement is very confusing and it is wrong and in gross error and very deceptive, I DO NOT OWE {$730.00}, all I owe is {$180.00} AND THAT INFORMATION IS NOT ON THE BILL STATEMENT. 
Capital One is being very deceptive, and they now have very very poor customer service, out sourced to XXXX. 
I want Capital One to send me a proper bill with the correct amount of {$180.00}. in the new ballance area. 
Also I no longer wish to use their credit card. Capital One sent me a new credit card, but I refuse to activate it, as I no longer want to associate with a shady company such as Capital One.
Product: Credit card or prepaid card

Monday I called Capital One to explain that a credit card had been opened and approved with my social security number, and that it was totally fraudulent. I gave them my social security and full name. I was told the card had been approved, a business card for a company called XXXX XXXX. I told them that it wasn't me to please cancel it. 
I was told to call back in 7 days, I called back in four days to be told that they had mailed the card out already. At first they thought they were talking to the scammers and calling it MY ACCOUNT. I had to explain again, what was happening, even after spending over an hour on phone with them on Monday XX/XX/XXXX. I have life lock and they notified me and stayed with me on the line the entire time. 
I am now being told the fraudulent card is put on hold and they won't be able to purchase. I had beg Capital One again to PLEASE not let them use this card. 
I am a victim of Identity Theft, I asked for this card to be closed, Capital One did not take action.
Product: Credit reporting or other personal consumer reports

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX XXXX XXXX of Birth : Date of Birth : XX/XX/year> Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Virginia XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX, I deposited a {$10000.00} check with Capital One XXXX checking via mobile deposit. Unfortunately, the check was reversed on XX/XX/XXXX. Upon contacting them, Capital One requested information regarding the origin and purpose of the funds, which I promptly provided. They also asked for the associated check number to reach out to the check writer, my aunt, to verify the transaction. After confirming the details, they initially indicated everything was resolved, with a caution that further reversed checks could lead to account termination, which I understood. However, in a subsequent call, they mentioned the need for additional investigation without specifying reasons or duration, which was confusing and concerning given the potential consequence of account closure.
Product: Checking or savings account

At end of XXXX Cap One called to ask questions about my account activity, specifically the XXXX payments I received. I have never had a bank call to ask personal questions about my transactions, I was quite taken aback. Apparently they did not like my answers when they started questioning me about names and their phone numbers. Next I knew, when logging into my account, there was a message stating " Your funds are currently not available for withdrawal. '' Please call us at XXXX regarding checking and savings accounts. I tried calling, sometimes three times daily, but always got a voicemail, which said Leave your information, and we may call you back in 48 hours. That has yet to occur has of today XX/XX/XXXX. 2023. 
On XX/XX/XXXX I received a letter with my savings account balance. No mention was made about the checking account balance. I continued to call, and when someone answered ( rare ) I was told the account was still under investigation, and no information could be provided. I continued to call approx 4 x weekly, and have kept a diary of those attempts along with the multiple numbers I called. Still no response.
Product: Debt collection

We canceled our phone plan in XX/XX/2021, after moving to an area where we were " guaranteed '' service and finding out our brand new hotspot and cell phone service was useless. It is evident from the bills that we had not used any data ( because we had canceled and therefore believed our account was closed ) and have all the tracking numbers to the devices that were sent back, after waiting months to receive the shipping kits to return the XXXX devices. Now neither XXXX nor IC Systems have sent us anything to notify us of the debt nor of the impending report to the credit bureaus. We only found out about the collection when it hit my credit report, and although XXXX confirms they have received the devices, IC Systems refuses to concede that the debt is faulty and not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX  XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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: Student loan

I have attempted to set up auto payments with this company and they have cancelled the payments without notifying me. Then when I call to check on the status of my account they tell me that the account is in good standing. A few times I have called to be told that they do not see any concerns with my account at all, only to find out later that that account has actually been sent to the " claims '' department to be forwarded towards default and collections. The representatives hang up on me or drop the call when they say that they are transferring me. I call and am frequently transferred multiple times when there are only 2 departments. I have spoked to 6 representatives in one phone call and received different answers from each of them. When I start to get frustrated, after going around in circles for over 40 minutes, they will disconnect the call. 

They are disrespectful and do not care about helping me at all. The phone calls that I have now found out have been coming from them, come up as a likely scam call on my caller ID. When I have answered these calls the representative on the phone will not identify themselves as being associated with Navient unless I provide them with my personal information first such as DOB and full legal name. Which I will not do for an individual that I do not know and comes up as a suspicious number. I am tired of dealing with this company. I try to set my account up on auto payment plans but they want to punish me for trying to get a higher education instead of just take my payments. 
I have also asked to not receive these phone calls during certain times of the day due to my employer having a zero tolerance phone policy. Even when I step outside to take these calls at the risk of losing my job the representative will not work with me. Will not answer my questions, will not confirm who they are associated with, will not advise me of any information. Instead they just demand personal information from me, they can lobby insults at me and sneeringly call me names when I refuse to give them my information until they identify themselves and the company they represent. So often they will just terminate the call. Side note : the questions I am asking do not break HIPPA. I work for a XXXX XXXX company and handle confidential and private information on a daily basis. They are being unreasonable and hiding behind exaggerated legalities to excuse and justify their deplorable behavior. 

They have also started calling my friends and family in order to get in touch with me. They are mean to my family, they have accused them of lying and will deliberately call at times that they have been asked not to call at due to the risk of my family losing their jobs.
Product: Student loan

I applied for student loan forgiveness since I have more than 120 qualifying payments, on XX/XX/2021 under the Public Student Loan Forgiveness and the Temporary Expanded Public Loan Forgiveness Programs, and only received notice that I was not approved based on the PSLF program. I know that I meet eligibility under the TEPSLF program, but Fedloan Servicing has not provided any feedback regarding my application nor have they forgiven my loans.
Product: Money transfer, virtual currency, or money service

I have a Coinbase account that I had to lock myself out of due to it being hacked by an unauthorized user. I got a text in early XXXX of 2021 from Coinbase as if someone was trying to access my account. When I went online to sign in, they sent me a verification code to a phone number Ive never had ending in XXXX. I immediately disabled my account which still has {$30000.00} in there and I had one automated email from Coinbase telling me to change all my email passwords which I did, so I sent them another email explaining I did all the steps they required me to do and got one more email back from them saying they were having an account specialist look into this for me. Since then Ive sent 6 follow up emails about the status of my account and my funds and no one has gotten back to me. Ive have XXXX stored in Coinbase and about {$15000.00} in crypto just floating that I dont have access to trade or withdraw.
Product: Debt collection

On XX/XX/23 I received 3 credit alerts regarding a debt owed by XXXX. I have never received any correspondence pertaining to this debt They failed to accurately validate the debt and placed this my credit, my wife 's credit and my mothers credit with out consent. I have had absolutely no communication with them
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my XXXX XXXX : XXXX XXXX {$0.00} XXXX {$14000.00}
Product: Debt collection

I moved out from XXXX prior to the end of my lease. I gave proper notice & received an email from the manager that explained the fees. I paid 2/3rds of the balance prior to leaving & was informed I would be contacted in 30 days and I could make payment arrangements. I received a letter on XXXX from a company called IQ Data saying I owed and incorrect amount. I faxed them the next day with a copy of the email from my leasing office with the fees and asked them to correct their records and I would make payment arrangements to pay the corrected balance. I also called that afternoon and was told to wait 24 hrs for my fax to get in their system and they would contact me. They did not even tho I provided all my current contact info. I called them back on XXXX. They claimed they did not get my fax even tho I had a confirmation letter. They continued pushing me to pay the debt then and said that it would go to the credit bureau if I did not take care of it immediately. They told me that I could not make payment arrangements and that I only had 30 days from the day I moved out of the apartment to pay the debt. Their letter arrived 30 days after I moved out so I could not have paid it. They refused to listen to my concerns, they were unwilling to consider payment arrangements on the corrected balance and all they did was threaten me to pay the balance as quickly as I could. I do not want to deal with these people. I want the communication returned to the leasing office and I will make arrangements with them once they have assured me that the balance has been corrected and this will not appear on my credit report. IQ Data is unethical and people should be made aware of their terrible collection practices.
Product: Debt collection

Sortis Financial Inc. has placed a bad debt on my credit report and placed a lien on our property, asking for {$51000.00}, the original loan amount was {$23000.00}, the rest is interest. I am totally unaware of Sortis Financial Inc. and any debt supposedly owed to the company. I have contacted our attorney for our XXXX XXXXXXXX documents which show that back in XXXX XXXX XXXX XXXX was added to our XXXX XXXXXXXX for the amount of {$23000.00}. I had this debt from XXXX, this debt was discharged XX/XX/XXXX. 
I note here that Sortis Financial Inc. has never contacted me about any alleged debt, if they had I would have told them they purchased a Bad Account for Collection. I can not be held at fault for Sortis Financial being ripped off by the people they purchased the debt, company name unknown. At any rate, Sortis Financial Inc. actions are unwarranted and have caused us harm affecting our home mortgage refinancing application, this very well could cause us the loss loan. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Mortgage

My escrow waiver has been approved but I have still not received my check. I email the chairman 's office and never get a reposnse.
Product: Money transfer, virtual currency, or money service

XX/XX/2024, I was scammed through XXXX for {$920.00}. On XX/XX/2024, I contacted my bank, Navy Federal Credit Union. He advised there was nothing they can do except give me information on how not to get scammed in the future. 
I was attempting to buy 2 vending machines along with the location from XXXX XXXX XXXX XXXX XXXX  of XXXX, XXXX Once he received half of the money, he did not show up for our scheduled site meeting at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), he doesn't respond.
Product: Credit card or prepaid card

I purchased a {$200.00} MasterCard gift card in California ( Card # XXXX ) at a XXXX store on XX/XX/XXXX. When I called to check the balance of the card, I was told that the card was not registered under my name and was told to open a stolen replacement card request. This card seems to have been fraudulently registered and used by another person since I have the physical card with me the whole time and never used it. I submitted all the info they requested on XX/XX/XXXX but never got a response.