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

I have four accounts with Capital One. Two Joint Accounts in my and my wife 's name. One is a Youth Savings account in my son 's name. The fourth is a business savings account. 

All ( 3 ) personal accounts are frozen with this message : " Your funds are currently not available for withdrawal. Please call us at XXXX. '' I have called this number on four separate occasions. Twice I gave up after nearly an hour wait time. The 3rd time, someone picked up and affirmed my accounts were on hold. She was unable to determine why and transferred me into a perpetual queue. The 4th time was today, Wednesday XX/XX/XXXX. The lady at Capital One followed the same process as the 3rd time - but I declined the transfer and requested a Supervisor. 

XXXX was the supervisor. He was nice. However, he could provide me no information. He indicated that the accounts are frozen at that is all he had access to, that I would need to speak with the other department, and 'YES they do have extremely long hold times '. I declined. 

On XX/XX/2020 I mailed them a good old fashioned letter in the mail to : Capital One, XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX So as it stands - Capital One has frozen my accounts with ZERO COMMUNICATION. I have contacted them on ( 5 ) occasions ( four calls and one print ). I have yet to receive any communication from them as to why they are doing what they are doing.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are reporting bankruptcy on my credit file. Both XXXX  and TransUnion as of recently investigated based on their records for their investigation and sent out the request to the data furnisher, but the data furnisher didnt respond within the certain time period. Both XXXX  and TransUnion proceeded to send out a letter stating Bankruptcy verified or updated letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX please remove any other variation of my name. I was going over my credit report and I noticed that there are several errors. My current and only address. I have attached my proof of ID. I do not live at the following addresses : XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, OHXXXX  The following accounts are not mine I have never had an account with these companies : XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX. Federal Law requires that you provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete you may have violated federal law,
Product: Checking or savings account

My account was closed by Citibank. I had funds in the account, I was told I would receive my funds within XXXX  days. Received nothing, called several times and was told it was on the way and to allow some time. It have been well over XXXX days and I have received nothing
Product: Credit reporting or other personal consumer reports

I am writing this letter to inform you of the fraudulent accounts on my report which are causing me stress and I want to dispute this fraudulent information. I informed the company about this matter, talked to them via phone call and they said they have already removed the accounts from the other bureaus after I submitted the required FTC report I filed. Also both XXXX and XXXX have removed the accounts from their records indicating an inconsistency in your reporting. Im not sure why are the accounts still reporting under your bureau? The presence of this fraudulent account negatively impacts my credit history and could have serious consequences for my financial future XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/21, I noticed on the XXXX app that Citibank closed my savings account without my consent and without notifying me in any way. 

The original reason the customer service representative gave me was that the customer ( me ) requested it. I said this was not true. 

Then they said it was because my account had not been active for 6 months and they closed it due to 'security reasons. ' Which is absolutely absurd, but I guess Citi has their own reasons. They said the money will be sent ( was sent on XX/XX/21 ) to the address they have on file and should arrive in XXXX days. 
This also shows that they straight up lied to me first - when they told me I had requested the account was closed. 

The real reason I'm mad is because there was no notification that my account would be closed, but Citi claims they emailed and texted me. I have checked my emails and texts, and I have no such notification. I also don't have the check they claim they sent me, so I just have to hope they aren't lying to me about the {$10000.00} I had in that savings account is sent in a check in the mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting agencies : Equifax, XXXX, XXXX. XX/XX/2022 I requested each agency credit report and found several inconsistencies. Some accounts were not reported, some had reporting dates different or activity dates different or not reported at all. 
Equifax & XXXX reports my name wrong and unknown addresses and employment. There are many inquiries from unknown credit inquirers on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 or other personal consumer reports

I am submitting this complaint against Equifax for their failure to investigate and provide updates or results regarding a disputed collection account on my credit report. 

On XX/XX/year>, I sent a dispute letter to each of the credit bureaus ( Equifax, XXXX, and XXXX ) requesting an investigation and validation of an unverified collection account. The details of the disputed account are as follows : Creditor/Collection Agency : XXXX Account Number : XXXX Amount : {$1000.00} In my dispute letters, I requested the following information under Section 609 of the Fair Credit Reporting Act ( FCRA ) : The original signed contract or agreement that created the debt. 
The name and address of the original creditor. 
Documentation showing that the collection agency has the legal right to collect on this alleged debt. 
A full account history, including any payments made on the alleged debt. 
Despite providing all necessary documentation, including a copy of my credit report highlighting the disputed item, proof of identity, and proof of address, I have not received any response from Equifax, XXXX, or XXXX. 

Under Section 611 of the FCRA, the credit bureaus are required to investigate consumer disputes and provide the results within 30 days. It has been over [ number of days since initial dispute ] days since my initial dispute, and I have not received any updates or results from any of the credit bureaus. 

Dates : Date of Initial Dispute : XX/XX/year> Date of Follow-Up Dispute : XX/XX/year> Disputed Amount : {$1000.00} Actions Taken : Sent initial dispute letters to Equifax on XX/XX/year>. 
Sent follow-up dispute letters to Equifax on XX/XX/year>. 
Provided all necessary documentation, including a copy of my credit report highlighting the disputed item, proof of identity, and proof of address.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting act. The List of accounts below has violated my federally consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX, XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States that I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please update the accounts, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the accounts listed below : DEPT OF EDUCATIONXXXX XXXX Late Date XX/XX/XXXX, DEPT OF EDUCATIONXXXX XXXX Late Date XX/XX/XXXX, XXXX XXXX bankruptcy Filed on XX/XX/XXXX XXXX number : XXXX
Product: Credit card or prepaid card

I am two months behind on my capital one credit card. They sent me an email that I could bring my account current by paying {$110.00} by XX/XX/19. In the meantime I have been harassed by an excessive amount of phone calls to collect the balance, including multiple calls in one day and calls on Sunday : XXXX XXXX - XX/XX/19 XXXX XXXX   XXXX - XX/XX/19 XXXX XXXX - XX/XX/19 XXXX XXXX XXXX - XX/XX/19 XXXX XXXX XXXX - XX/XX/19 XXXX XXXX XXXX - XX/XX/19 XXXX XXXX XXXX - XX/XX/19 XXXX XXXX XXXX - XX/XX/19 XXXX XXXX XXXX - XX/XX/19 XXXX XXXX XXXX - XX/XX/19 XXXX XXXX XXXX - XX/XX/19 XXXX XXXX XXXX - XX/XX/19 XXXX XXXX XXXX - XX/XX/19 XXXX XXXX ( Sunday ) XXXX - XX/XX/19 XXXX XXXX ( Sunday ) XXXX - XX/XX/19 XXXX XXXX XXXX - XX/XX/19 XXXX XXXX XXXX - XX/XX/19 XXXX XXXX XXXX - XX/XX/19 XXXX XXXX XXXX - XX/XX/19 XXXX XXXX XXXX - XX/XX/19 XXXX XXXX XXXX - XX/XX/19 XXXX XXXX XXXX - XX/XX/19 XXXX XXXX  There is a fee for request of phone records. Will request if needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXXXXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I was denied credit on XX/XX/2019 by XXXX  due to a credit report they received from XXXX XXXX. My credit score, according to XXXX, was XXXX  out of XXXX, when I have credit scores ranging in the high 600s to low 800s with the major nationwide credit bureaus ( XXXX, etc ). I have contacted XXXX  repeatedly to obtain the free credit report I was promised in the denial letter, but continuously get a recording asking me to leave my name and number for a call back ( latest call XX/XX/2019 ). XXXX  does not allow me to request the credit report online ; other than by phone, they ask me to send by fax or regular mail my social security number, drivers license, and other sensitive material that I am not comfortable sending by fax or mail. I am not sure when I will ever be able to fully review and thus dispute my credit report with them. This complaint is primarily about XXXX, but also I don't believe that XXXX XXXX   should be using such a company for their credit checks.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Report Act the creditor has violated my Rights! Under Act 15 U.S.C.1681 section 602 says '' I have the right to Privacy ''. 15 U.S.C. 1681 Section 604A section 2 " It also states a consumer reporting agency can not refurnish an account without my written instructions ''. Under 15 U.S.C.1666B " A creditor may not treat a payment on a car payment account under an open and consumer credit plan as late for any purpose ''. 

Santander Consumer USA
Product: Credit reporting, credit repair services, or other personal consumer reports

I files a dispute in regards to the incorrect items on my credit report and its has been well over 30 days and I have not received and investigation results.
Product: Credit reporting or other personal consumer reports

I REACHED OUT TO XXXX XXXX XXXX BECAUSE MY AUTO LOAN IS REPORTING LATE PAYMENTS FOR SEVERAL MONTHS AND I WAS NEVER LATE. THEY SAID THEY WOULD FIX IT WITH THE CREDIT REPORTING AGENCIES AND THE EXPERIAN, XXXX, AND XXXX AND XXXX IS STILL REPORTING THIS INFORMATION AS ACCURATE. I HAVE SENT A COPY OF THE LETTER HEAD THAT I RECEIVED FROM XXXX XXXX XXXX STATING THAT MY ACCOUNT IS CURRENT AND WAS NOT LATE. I'M ATTACHING A COPY OF MY DISPUTE LETTER WITH THE LETTER HEAD THAT I SENT TO THE CREDIT REPORTING AGENCIES. SENT CERTIFIED MAIL ON XX/XX/2023 AND THEY RECEIVED IT ON XX/XX/2023. ALSO, THERES A CREDIT CARD ACCOUNT FROM XXXX XXXX XXXX THAT I WANT REMOVED ALSO BECAUSE THAT ACCOUNT DOES'NT BELONG TO ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
1. XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX 2. XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX 3. XXXX Date of inquiry : XX/XX/XXXX 4. XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX 5. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 6. XXXX XXXX Date of inquiry : XX/XX/XXXX 7. XXXX XXXX Date of inquiry : XX/XX/XXXX 8. XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 9. XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX 10. XXXX XXXX XXXXXXXX Account Number : XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, at XXXX XXXX a person contacted me on XXXX regarding tickets to an event I was hoping to attend. They asked me to pay first, to which they would send me tickets via XXXX. Being desperate, I pay the money to their XXXX, which doesn't go through at first. So instead, I send the money again but this time through Paypal. I was desperate, so I didn't notice the different names on the XXXX accounts. I sent the payment at XXXXXXXX XXXX  and it wasn't until I received an email from a fake account that was not XXXX that I understood that it was a scam, where it was around XXXX XXXX. At around XXXX XXXX, I file a claim for unauthorized activity, saying I didn't know who the person was as an attempt to get a refund, which was denied on XX/XX/XXXX at XXXXXXXX XXXX. The file attached is the email I received after I sent my payment. ( see the name of who sent the email, the email address itself, and additionally all of the hyperlinks were just gray text with no actual link. )
Product: Credit reporting or other personal consumer reports

I spoke to a representative today and asked him about this account from XXXX XXXX XXXX account # XXXX. They told me they have no such account from that creditor and no balance of {$270.00} to my name phone number or social or address yet and still is reporting on my credit report. I disputed this with the credit reporting agencies XXXX and Equifax to which all said they verified this information. Which I know is a lie and violates my natural rights and all laws in conjunction with the fair credit reporting act and the fair debt collection practicing act. I'm preparing to SUE parties involved for violating my rights! 

I WILL SEEK MONETARY DAMAGES IF THIS ACCT IS NOT REMOVE IN 72 HRS AND AS I INSTRUCTED THE REP TODAY THE CALL WAS BEING RECORDED .... SO I HAVE MY PROOF
Product: Debt collection

I am attempting to settle a medical debt from 2013. I am on a limited income because I am XXXX as determined by the Social Security Administration. I contacted the collection agency, Allied Collections in XXXX XXXX regarding this debit. I advised them that I would like to make an appointment to come in and make pymnt arrangements. I made an appointment, however my XXXX-month old child was ill and I had to take care of her. I called them within a few hours advance notice and they were extremely rude to me and asked me to bring my daughter in anyway. I advised them that I would not, and they threatened me with higher interest rates on my debt if I did not make an appointment with them the next day. I made an appointment but my daughter was still ill the next day so I had to cancel again. I just checked my credit score and my interest rate and penalties went up in value. I made a complaint with the XXXX in XXXX XXXX about this and was given a number to call. I feel that I am being punished for canceling an appointment with this collection service.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX # XXXX is reporting an account to my credit that is not mine. I have a mixed file and this account does not belong to me and needs to be removed off of my credit report.
Product: Credit reporting or other personal consumer reports

I filed for bankruptcy XX/XX/2023 and listed XXXX  XXXX as one of my creditors. All of my debt has been discharged including XXXX  XXXX credit card. On my credit report, XXXX XXXX is listed under discharged under XXXX  XXXX bankruptcy. I looked at my credit report today and my score has gone down XXXX points because XXXX XXXX has reported the same account twice on my credit report and changed the statutes to charged off instead of discharged to bankruptcy. This is called double reporting and is a violation. I spoke with XXXX  XXXX and mentioned that this should be removed from my credit profile because its already been listed as discharged from XXXX  XXXX bankruptcy. First representative hung up on me and the second representative told me she could not do anything about it.
Product: Debt collection

I contacted XXXX XXXX upon returning home in XX/XX/year>, went to his practice and he became very hostile demanding more than what I owed. I informed him that the company deducted funds from my account and did not give me credit on several occasions. I offered him I think {$600.00} and he demanded XXXX and some change. I left XXXX XXXX and his secretary followed me out the door taking pictures of my license plate. 

A few years ago Eaton Group, Attorneys, L.L.C aggressively contacted me demanding almost XXXX of which I definitely wasn't going to pay especially when I had contacted the previous attorney to settle the case with funds, I should've been renovating my home with. Eaton Group is currently trying to garnish wages from my employer, they have ignored my request both verbally and by email. I have recently sent them a written letter requesting the original contract and amount along with payments. The only time the company has responded is when I filed a complaint with the XXXX XXXX XXXX I have not received one response to an email or phone call.
Product: Credit card or prepaid card

On XX/XX/2022 I attended an event said to be a XXXX XXXX XXXX meeting in XXXX XXXX. If my memory serves me correctly, it was a property resort owned by Wyndham. I along with my girlfriend attended this meeting that was promised not to be a timeshare, but XXXX XXXX. During the process, I placed a {$50.00} deposit using my regions bankcard that somehow was never charged. I was firm about the amount of {$50.00} and never gave permission for a fraudulent charge of {$4600.00} to a Barclays Wyndham Reward credit card. I was told that my credit score automatically got me approved for a card. i was never told or explained to that the company was not accepting my original {$50.00} payment, I was not informed or aware nor did i agree with any other amount or balance being transferred to a credit card that i did not apply for but was told that i was awarded a card. The representatives acted in an unethical manner and scammed my information. On XX/XX/2022, my girlfriend and I completed a rescission on the contact. On XX/XX/2022, I received notification from employee XXXX XXXX that the rescission was approved. Her company 's email address is XXXX. However, we have been contacted by another representative who had us to forward all of the information to him to assist us with another complaint stating that the rescission never happened. We are not responsible for the incompetent or malicious acts of unethical employees. We have been getting the runaround. The salespeople acted unethically and committed fraud. They used dishonest tactics and manipulation trying to force a scam. A call was also made to the credit card company to report credit card fraud. The company is withdrawing the monthly payment from the regions bankcard which on a {$50.00} down payment was authorized, but put the unauthorized balance on their credit card which is being done fraudulently and part of a scam.
Product: Debt collection

I have already file XXXX complaint with you guys against common wealth financial, for applying a debt to my report XXXX XXXX  each time failed to provide anything proving the debt and it belongs to me so the XXXX XXXX  ended with it being removed, my information has been sold now by this company to another debt agency called XXXX XXXX and XXXX, regarding XXXX XXXX XXXX, now as explained in my prior complaint it is absolutely impossible to have a medical debt under my or any of my children 's names we have all been covered under XXXX  XXXX for years, now after the last complaint with you, I filed XXXX against the XXXX XXXX in XXXX XXXX regarding this debt, and that fact that even if by some far chance this is mine, thT I am more than aware that in the state of Florida if your health insurance is not accepted by a doc place or treatment you ate tho be notified immediately. I was never notified. I also after the last complaint, I also called medicade, they were unable to confirm that there was any medical bill that was unpaid by them regarding me or my children. This debt is no straight harassment as all three companies that have picked it up since XXXX  are unable to provide any information, medicad says all medical and emergency isots over the last XXXX XXXX  have been paid in full, I don't understand how this is legal, it is messing with my life, my credit which I need to move to a better area. This is unacceptable