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

I am writing to formally lodge a complaint regarding an alarming and unjust situation involving my account with Capital One Bank. My name is XXXX XXXX, and I have been a customer with Capital One Bank. 

Due to the fact that I have to purchase a house, I made financial arrangements, including borrowing money from friends, to secure the necessary funds to close on the house. Subsequently, I deposited a sum of {$220000.00} into my Capital One Bank account, aiming to purchase the property. 

To my immense dismay, and without any justifiable explanation, my account was abruptly closed by Capital One Bank. What is even more troubling is the fact that my funds, totaling {$220000.00}, have been withheld by the bank. This action was taken without providing me with any concrete reasons or a transparent rationale. 

I have made numerous attempts to resolve this issue by contacting the customer service representatives through various channels. However, despite my persistent efforts, I have been met with vague responses, including claims that my account is " under investigation. '' It has been XXXX months since Capital One Bank XXXX XXXX of my funds, and there has been no sign of progress or resolution. This situation has caused me significant financial distress and emotional turmoil. Please help me. 

I hired a lawyer to help on this situation, please direct all communication to XXXX XXXX XXXX XXXX XXXX, XXXX, email address : XXXX and her phone number is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been battling these unverified and inaccurate accounts for a while now and this haven't been proven whatsoever. The information across the reporting bureaus is different from each other implying that these accounts have different values and information. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) These accounts are in violation for not reporting 100 % accurate. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of XXXX XXXX and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX Inquired XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Original creditor XXXX XXXX XXXX  XXXX Balance : XXXX XXXX XXXXXXXX Balance XXXX XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights 15 USC 1681 604 says I have the right to privacy and 15 USC 1681 604a says they can not furnish anything without my written consent and I did not give written consent to to report anything
Product: Mortgage

The home in question was purchased in XX/XX/XXXX - the original loan was serviced by XXXX XXXX XXXX XXXX - there were 2 loans that XXXX was holding. XXXX put a lien on the property for both the first and second mortgage. When XXXX closed - the loans were transferred to XXXX XXXX. We were notified that the 1st mortgage would be cancelled and the second mortgage funds had to be paid and the mortgage company ( XXXX ) also told us that they will stop paying the insurance and the taxes on the home. Subsequently - the XXXX XXXX company also closed - and 1 loan was transferred to Ocwen - this would be the 2nd mortgage that was transferred over to Ocwen and the amount was paid in full. However the 1st mortgage, that was cancelled, was never removed as a Lien on the Property. We were informed that Ocwen took over for the XXXX XXXX XXXX and that they would be the holder of the loans now. We have requested Ocwen to verify the cancellation of the first mortgage and requested that Lien on the property be removed. Ocwen 's more recent reply on XX/XX/XXXX - that they have no information on the 1st mortgage and can not verify the existence of the 1st mortgage and they do not have a point of contact for XXXX to confirm the same. Please advise on what to do to resolve the issue of removing the lien from the property.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is fraudulent on my credit Acct # XXXX XXXX XXXX is fraudulent on my credit Acct # XXXX XXXX XXXX is fraudulent on my credit Acct # XXXX. 
XXXX XXXX & XXXX is fraudulent on my Acct # XXXX. 
XXXX  on my Acct # XXXX is fraud. 
XXXX XXXX  XXXX is fraudulent on my Acct # XXXX. 
XXXX/XXXX  is fraudulent on my credit Acct # XXXX. 
XXXX XXXX XXXX  XXXX XXXX is fraudulent on my Acct # XXXX. 
XXXX XXXX XXXX XXXX XXXX on my credit Acct # XXXX is fraud
Product: Credit reporting or other personal consumer reports

i am a victim of identity theft, please the documents
Product: Money transfer, virtual currency, or money service

XX/XX/year>, my boyfriend send {$150.00}. But the remitly canceled the transaction. I don't know why and this is the first time that happened. I was contacted their customer support regarding the issue but they keep telling me to contact the sender and then the sender contacted them they said they can not help because every time he send it was the system because their specialized team detected a suspicious. And I asked the customer service about that if they block me they said no. And because of them my boyfriend angry with me. Because of them!
Product: Debt collection

This account opened XX/XX/XXXX and closed XX/XX/XXXX ending balance of {$6900.00}. Amex put a lien on my home and refuses to discuss this with my attorney. We have been sent to three different law firms who were " handling '' this and have yet to speak to anyone that can rectify it. 

My attorney XXXX XXXX and his staff have been reaching out the AMEX attorney listed as handling this several times over the past three weeks. No response. This has caused the sale of my home to cancel and I've lost {$120000.00} in equity.
Product: Credit reporting or other personal consumer reports

XXXX is violating my consumer rights. They are fraudulently letting CAPITAL ONE, management number XXXX report a fraudulent account on my credit profile. I have never heard of this company, nor should they have any information of mine. I was suspicious so I looked this company up on my Secretary of State website and seen that they aren't licensed to do business/collect a debt in my state. They are illegally doing business in Michigan. I'm asking you to enforce to enforce the laws on XXXX for failure to investigate as I'm a federally protected consumer. I will also be reporting both XXXX and CAPITAL ONE to the IRS filling out form XXXX A information referral for unreported income since XXXX gets paid from this company and this company isn't licensed to do business in my state, leads me to believe they are exporting people for money and not reporting it to the IRS XXXX I will also be reporting both companies to the Attorney General and XXXX XXXX XXXX. I attached proof that CAPITAL ONE isn't allowed to do business in my state. If the account isn't removed in 30 days, I'll also be filing the attached forms to sue both companies for defamation of character. They are making me look noncreditworthy to other lender and I have been denied credit due to this matter. It has caused me great emotional distress and my doctor has prescribed me XXXX because I haven't been able to sleep at night due to the financial and emotional harm these two companies have caused. I know that CAPITAL ONE pays XXXX to report inaccurate information and XXXX refused to give me a fair investigation for their financial gain.
Product: Money transfer, virtual currency, or money service

PayPal ID : XXXX I received a payment from 'XXXX  " after completing a job, I was paid via PayPal last week XXXX  with an ID, XXXX, the money was put on hold, but I didn't get any mail of the duration of the reason why the money was put on hold, on XXXX  I contacted customer service and your representative told me it was going to be sorted out in 24hrs to maximum 72hrs, so I waited patiently till XXXX, upon reaching 72hrs the money is still on hold, right now it is up to 96hrs and the money is still on hold and this is not a good and services payment that should be on hold on 21 days, please kindly investigate this. Thanks.
Product: Debt collection

I am writing to inform you that my bankruptcy case has been discharged, and I am no longer liable for debts included in the filing. I informed the company this but they keep contacting me.
Product: Debt collection

I have a debt collection matter involving phone services that I have never used. The reporting of this account is inaccurate. This account appears to be frivolous and does not belong to me.
Product: Debt collection

Nelnet states my current balance is {$45000.00}
Product: Credit card or prepaid card

I reported fraudulently charged transactions to my credit card company. I was informed that the card issuer successfully resolved the issues and completely chargeback those illegal charges. 
But, it seems that the card company commited a fraud by recharging me for those transactions that were successfully resolved already.
Product: Credit reporting or other personal consumer reports

on XX/XX/XXXX of 2024 I sent a letter to Transunion requesting that they validate a number of accounts that were on my credit report that were erroneous in nature. not only did it take them over XXXX  days which is XXXX  the time by law for them to investigate a dispute but once they did finally respond it was with a generic letter stating that the account was verified but didnt provide any proof.
Product: Prepaid card

Some one made a withdraw on my XXXX Bank of America in the amount of XXXX on XX/XX/2023 the last of my. XXXX payment with out my consent. I have been making claims to Bank of America about 7 times and they keep denying my claims saying im at fault when it wasnt. It was fraud skimmer got a hold of my card information. I ask for proof of the surveillance footage or proof that I did it and they never send me anything. I send them a police report I did and I send them a copy of my I.d to verify me and to verify that it wasnt me. They keep denying my claim. Ive been dealing with this over a month now. The reporting and claims began on XX/XX/2023 that i reported this to Bank of America. Its been more than one time they have closed and denied my claims. They dont want to give me my money back.
Product: Credit reporting or other personal consumer reports

To whom it may concern : I dispute the negative items in my credit profile. I dispute these claims and demand that any information be removed from reports immediately if it is inaccurate or misleading, as this will only harm me further! Upon review of my report, I noticed that several deviations from mandatory standards were present which will most likely affect the validity and accuracy of data in this document. 
These claims that the information in my report is negative, untrue or incorrect are unsubstantiated. To date I have not received any physical proof to back up these statements and eagerly await a reply from you.Document that you have complied with the reporting requirements, and report without any deviations. Please note that if you have not complied with the requirements, I will need to remove them from my report.Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relatesAlso per 12 CFR Part 1022 ( Regulation V ) requires furnishers to : A - Furnish information about accounts or other relationships with a consumer that has integrity. B - Furnish information about accounts or other relationships with a consumer that is accurate. C - Conduct reasonable investigations of consumer disputesThe CRRG standards state that in order to make a report, you must follow their guidelines. Any deviation from these standards jeopardizes the integrity of data. This means any mistakes when reporting claims can have serious consequences for accuracy- which affects your federally regulated reports! With that said! I found some mistakes and inaccuracies in your report, which I would like to dispute/challenge.The following claims about me were not reported correctly and I am challenging these inaccurate statements. Please provide proof that the proper reporting standards were followed so this can be resolved immediately!
Product: Credit card or prepaid card

While XXXX on XXXX XXXX in Puerto Rico, my roommate stole my laptop, cell phone, and credit cards. She access multiple accounts, including online banking, XXXX, XXXX, XXXX, XXXX, and multiple other accounts. I have contacted the banks and the website accounts via email or private messaging. Most companies were quick to recognize the abnormal purchasing pattern and locked my accounts down to prevent further use or attempted fraud. Unfortunately, XXXX does not engage in preventative measures, and allowed a stolen credit card to be used on my account to make approximately {$1900.00} in unauthorized purchases. Investigation is completed by XXXX did indicate that the charges were abnormal and likely to be fraud. Regardless of this discovery, XXXX is refusing to issue a refund because of a few minor and singular accidental purchases over the previous four years. 

Other Banks involved, including XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX, recognize that the credit cards were being used on websites rarely visited and purchases not normally attempted. XXXX, XXXX, and XXXX also recognized that attempted purchases were outside my normal pattern. Each of these Banks and companies froze my cards and my online accounts to prevent further fraud or attempted fraud. Upon recognizing the fraud after returning from Puerto Rico, these Banks and companies were quick to resolve the issues XXXX issue re-establish my accounts. XXXX and Navy Federal Credit Union failed to recognize and prevent the fraud that was so blatantly obvious to every other company.

In addition, multiple attempts to contact Navy Federal Credit Union VIA mail has resulted in no response regarding the fraud or investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought out into my attention that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX Original Creditor : XXXX ) XXXX Balance : {$3300.00}, XXXX XXXX Balance : {$910.00}, XXXX XXXX XXXXXX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$22000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$24000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$23000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked trans union to investigate a Bankruptcy that is being reported on my credit report and as of XX/XX/2018 they have refused. I have personally called the bankruptcy courts and they tell me that no information is ever released to trans union or any other credit reporting agency. I demand that Trans union provide me proof that a bankruptcy belongs on my report, I demand they provide information from the courts with my personal information. I also demand that trans union does not write any information on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than XXXX business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX, 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX : {$12000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I submit an application at XXXX XXXX XXXX XXXX, and my request was denied based on the on the information obtain by XXXX XXXX XXXX. I call the company and they informed me their decision was obtain from the consumer agency listed as Equifax. 
Equifax, send me credit report and it shows 2 accounts under my name that don't belong to me. XXXX XXXX, under a collection agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX under a collection agency XXXX XXXX XXXX XXXX XXXX XXXX Also on XXXX XXXX, I File a dispute on Equifax XXXX XXXX XXXX XXXX  XXXX, for each delinquency account, which cost me that may application was denied.
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 must contact my attorney and pursue legal action. 

Heres the list of the questionable items : XXXX XXXX XXXX - Account XXXX Please supply information on how you have verified this item. 
XXXX XXXX XXXXXXXX - Account XXXX This is not mine. 
XXXX - XXXXXXXX XXXX - Account XXXX I don't recall having late payment on this account XXXX XXXX XXXX - Account XXXX Please remove inaccurate reported late payments and update to paid as agreed XXXX XXXX XXXX  - Account XXXX THIS CONTRACT IS CANCELED XXXX XXXX XXXX - Account XXXX Please remove it from my public record
Product: Credit reporting or other personal consumer reports

I lost my wallet with my credit cards and identification and social security card with medical insurance information also some one is committing fraud in my name
Product: Credit reporting, credit repair services, or other personal consumer reports

This account has been reporting for XXXX months, with no information given, and no investigation completed per 15 USC 1681eB shouldn't be reporting as I also never gave permission. This XXXX XXXX XXXX XXXX ) account was also re-added and I was never given XXXX  days prior notice. I mentioned this and it's still reporting and only being updated. This is entirely incorrect, and false and I want to be removed. See attached report.
Product: Debt collection

Convergent was trying to reach me about a cell phone bill due and was unable to get in touch with me. Since they were unable to get in touch with me, they called my sister. An employee left a message with my sister to tell me to call them
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my accounts transactions. I have more than 5 accounts with Navy Federal and have received over hundreds of insufficient fund fees with funds being available in my account.
Product: Debt collection

This letter serves as a formal notice to cease and desist all collection activities related any alleged debt associated with my account. I am asserting my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), and requesting that you cease all communication with me regarding this matter, except as allowed by law. 
Case law has affirmed my right to request the cessation of debt collection communications. In XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX 
XXXX ), the court ruled that a consumer 's request to cease contact must be honored by t collection agency to avoid further violation of the FDCPA. Any additional communication beyond what is permitted constitutes a breach of my rights under federal law. 
Additionally, the case of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), reinforces the consumer 's right to privacy and the obligation of debt collectors to honor requests for cessation of contact. Ignoring this cease-and-desist demand will constitute harassment and a violation of the FDCPA. 
Thank you for your immediate attention to this matter. I expect written confirmation that you have received this cease-and-desist demand and that you will comply with it accordingly.
Product: Debt collection

I settled this debt with Progressive management Systems and was sent a letter showing that they would remove this collections from my XXXX credit report. They have still not removed it. This impacting my credit score greatly and my ability to live my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked at my XXXX and XXXX  credit and saw an account from SYNCB/PPC for a blalnce over {$4100.00}. 
I do not remember ever opening an account with this company. If there's one, please send me copy of my signed written contract.