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

Our company had it 's checking account with Capital One. We are an XXXX vendor and all of our deposits came electronically from XXXX XXXX every two weeks. All of our company purchases are made with company credit cards. The only disbursements we have made all year long are to paid credit card companies for our inventory purchases and fixed expenses. Today I tried to log into our Capital One Spark business checking account and I kept receiving error messages. I emailed customer service with the reference number and two hours later had still not received a response. I called Capital One and someone finally told me that Capital One " had decided to end the banking relationship '' without ever first notifying us or giving us any explanation. I demanded an explanation and was transferred to an account rep named XXXX. He claimed he had contacted the person or persons responsible for making the decision to close our account but he claimed that no one would give me an explanation why our account was closed without notice. He said our available funds were being mailed to us. When I demanded a tracking number for it he said it was sent via regular mail and no tracking number was available. We have deposits scheduled this week from XXXX as well as payments to our credit card companies and now have no way to pay our creditors until we get our funds from them as well as work out the rerouting of payments with XXXX. XXXX had verified that they have already sent this period 's payment and all we can hope for is that it bounces back to XXXX and Capital One has not decided to keep it or that it 's lost in cyberspace. <P/>XXXX XXXX XXXX, XXXX Capital One Account # XXXX
Product: Credit reporting or other personal consumer reports

XXXX, and chase had ran hard inquiries on my credit report which they are not authorized to. Stated under the card descriptions they werent supposed to affect my credit score. According to the UCC Federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX  XXXX XXXX. XXXX Balance : {$700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$700.00} XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX  XXXX XXXX XXXX : {$180.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$690.00} XXXX XXXX XXXX XXXX XXXX XXXX {$810.00} XXXX XXXXXXXX XXXX Date of XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I am writing to urgently request your immediate intervention in addressing a critical issue concerning fraudulent items on my credit report, despite multiple unsuccessful attempts to rectify the situation. The gravity of this matter requires prompt action to safeguard my financial standing and protect against further damage. 

Despite submitting disputes, the fraudulent items on my credit report persist, causing significant distress and compromising my ability to make informed financial decisions. 

Attached to this letter, you will find supporting documentation, such as police reports, identity theft affidavits, and any other relevant evidence, to substantiate my claim and facilitate an expedited resolution. 

I am well aware of the Fair Credit Reporting Act ( FCRA ) requirements for prompt investigations and removal. Therefore, I urge you to prioritize the removal of these fraudulent items from my credit report, identify and address any obstacles preventing resolution, and provide me with regular updates on the progress of the correction process. 

In addition, I request that all relevant creditors and parties involved be promptly notified of the fraudulent nature of these items and that necessary steps are taken to expedite their removal. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX Balance Owed : {$6800.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$11000.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$10000.00} XXXX XXXX XXXX Balance Owed : XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$6800.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$10000.00} XXXX XXXX XXXX Balance Owed : XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 

Please find below the specific details of the incorrect or outdated information : Name : My current legal name is XXXX XXXX XXXX XXXX XXXX, but it is listed incorrectly on my credit report as XXXX XXXX. I request that my name be updated to reflect the correct information. 
Address : My current residential address is : XXXX XXXX XXXX XXXX XXXX, Fl, XXXX, but my credit report shows an outdated address as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX XXXX 

I request that my current address be updated accordingly. I have enclosed copies of supporting documents to verify the accurate information provided above. The documents include : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address. 
A copy of my phone bill or any other official document that displays my correct phone number. 

Additionally, please provide me with a written confirmation once the updates have been made, and send me an updated copy of my credit report reflecting the changes. 

I appreciate your prompt attention to this matter. Should you require any further information or documentation, please do not hesitate to contact me via email XXXX. Thank you for your cooperation.
Product: Credit reporting or other personal consumer reports

Good day I am making a complaint concerning several accounts that have I have been disputing for a few years now. The creditors are XXXX XXXX  XXXX, XXXX XXXX and XXXX  which lists XXXX separate accounts.I will start with XXXX XXXX  XXXX this account was actually removed from my credit report and blocked as a fraudulent item but all the credit beauru 's let them insert the information back with no fight and I have been told that there is nothing that can be down. XXXX XXXX and XXXX all they state is that the information has been verified as accurate and no further information has been given. I am now attaching a signed and notarized FTC affidavit along with a police report and I am again requesting that these items be removed from my credit report and please send an updated report showing that these items have been removed due to identity theft
Product: Credit reporting or other personal consumer reports

This has continue to be an issue since XX/XX/2024. Every time I try to dispute they send a stall letter saying to give a paystub with my current address and a social security number. I have sent my paystub several times with the the address that they sent the letter to. 
I also have sent all this information more than once and certified mail. So I know they have received my request. Since Equifax do not want to dispute what I request, they will keep asking for a verification of address or try to get me to dispute on line. I do not want to dispute online because of the clauses. I called yesterday on XX/XX/2024 at XXXX XXXX XXXX  and I was not able to get to an live person. XXXX of my consumer rights continues to be violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Some company by the name XXXX XXXX put a collections from XXXX XXXX and XXXX on my credit report on XX/XX/21 and XX/XX/21. I have never had an communication with the company in writing or on the phone. I have never received any notifications of collections. I also do not owe anything to XXXX XXXX or XXXX. I have had another cable in my for years I have had XXXX as cell company for over 5 years and I do not have a home phone. I want this removed from my credit. I have never heard of you or received any bills from XXXX XXXX or XXXX regarding any account going to collections prior to me placing this complaint and dispute. I want this removed from my credit as this is a violation to FCRA you did this by Failing to notify me when you supplied negative credit information to a CRA Failing to notify me of my rights to dispute inaccurate credit information. You have damaged my credit report on 2 occasions. I am not sure how this company obtained 2 items to report on my credit report but I want it removed immediately. I disputed it with Experian who did absolutely nothing and I will be reporting them as well. As I do not know how you can complete an investigation in days. I have also reported the company to the NJ Consumer Affairs.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the attached documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. XXXX XXXX XXXX XXXX Balance {$10000.00} ; XXXX XXXX XXXXXXXX Balance {$1400.00} ; XXXX XXXX XXXX  Balance : {$0.00} ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXXInquiry : XXXX XXXX, 2022 ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIESshall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Mortgage

Suntrust bank occasionally applies received payments for one month to a month prior. As a result they get XXXX payments for 1 month and no payment for another month. This results in late fees and a blemish on the credit report. Had multiple exchanges of messages with them via Suntrust internal " secure mail '' system. After I realized what they are doing and confronted them about it directly they did something really nasty. They blocked me from accessing Suntrust sites. Not only I lost the history of messages, but I also lost ability to check my statements, etc. Tried on many occasions contacting them via email, but I get automated response to use " secure mail '' for all communication.
Product: Mortgage

I XXXX XXXX have been impacted Covid 19 and my state has a surge of covid 19 deaths and on 30 day lock presently and I am trying to stay safe. 

I have a invested property XXXX XXXX XXXX XXXX il that I have owned for 13 years and my tenant has moved out 9 months ago during the pandemic. 

I can not afford to fix this house back up after spending my life saving well over {$150000.00} or more and I am not working. 

I can not afford to keep this property and a tax buyer has purchase the taxes due {$24000.00} according to my Estimate Cost of Redemption good for 30 days only. 

The property according to the BPO from a licensed Realtor rececived comps with the damage and condition the property is only worth {$34000.00} Now I had requested to do a deed in lieu and instead of giving my {$10000.00} per letter from my SPS attachted. 

I went the extra mile to find a cash buyer to pay my investor {$10000.00} and pay off the outstanding Taxes and water bill to protect my credit avoid filing bk ruining my credit and leaving my investor with the mtg getting wiped out. I have submitted the purchase contact Offer and Estimate Tax Redemption from my County Clerks Office and outstanding Water bills. 
The redemption is only good for 30 days I was told.
Product: Mortgage

I applied for and received a mortgage modification. However, the amount that my lender acquired to finance my modification far exceeded what I believe to be appropriate for my loan. As a result, I am repaying approximately twice what I calculated necessary for gap financing. I am seeking relief in the form of a determination of what was actually required to bring my previous loan current, and an adjustment of my loan to reflect that amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or DELETE all information which can not be verified. 

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are wilful non-complying with the FCRA.

Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}.
Product: Credit card or prepaid card

On XX/XX/XXXX I had my government check social security was direct deposited onto my NetSpend account that I've had since XXXX but when it got deposited some person took the money out {$1200.00} he did an account to account transaction that i never gave permission for i dont know this bub performed fraud on my account I'm the only one on my so how can NetSpend allow this to take place on my account he from my account he stole my money I have a XXXX XXXX that can't be fixed through stage XXXX XXXX XXXX and a couple other things and when he took my money it put me in a world of hurt NetSpend was thinking that I was behind all of this and no I was not I didn't know anything about it until that day they were treating me like a hardened criminal they won't let me in to check my accounts or anything cuz they're closed and then they asked me when was the first time that I activated my NetSpend card I don't know last year sometime then they wouldn't talk to me cuz I didn't have the correct answer go figure but he took {$1200.00} on the XXXX he used it on a prepaid has been card ending in XXXX he used it at the liquor store and they put a block on it but where was my money
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I got an alert on my XXXX  credit report saying I had collection accounts effecting my credit score. There were 3 accounts with a total of about XXXX. So I did some investigating and found the company Dynamic Recovery Solution as the collection company. There is no original lender listed and there is no company listed as the entity that sold these false accounts to Dynamic Recovery Solution. So I disputed this info directly on the XXXX  website ( am waiting results ). I reached out to Dynamic and requested the original loan docs for the 3 accounts that they were reporting for me, and they have failed to provide any type of proper documentation to show proof that the acts were mine. No loan docs, no promissory note, or any type of paperwork showing my signature or date. I am not even able to contact the original lender because there is not one listed!! I explained this to XXXX  and am hoping they can remove these accounts asap, but I wanted to make a formal complaint with the CFPB to make this issue known on a larger scale. How are these companies able to reflect false information on my credit report while the " reporting agencies '' willingly accept the info without proper documentation? If proper documentation is not available to show proof that I own these accounts then they should not be on my credit report. PLEASE HELP!! As this is not the first time I've had to report false collection accounts on the CFPB, the same issue arouse in XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit score on XX/XX/XXXX was XXXX - Credit Score on XX/XX/XXXX was XXXX. 
No reason given on why XXXX XXXX dropped XXXX points. This has hurt my ability to apply for credit. 
Credit report pulled on XX/XX/XXXX showed only 7 accounts opened -- NOW Credit report pulled on XX/XX/XXXX shows 20 accounts opened. Major error on Equifax. 
On XX/XX/XXXX - ( letter received by Equifax on XX/XX/XXXX - Cert # XXXX ) I requested 4 accounts to have " Derogatory '' removed as the accounts are either paid/transferred/payment in process. No Change on the disputed accounts per Confirmation report # XXXX received XX/XX/XXXX from Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has  XXXX  accounts on my   XXXX   and Equifax reports that are over the seven year period.
Product: Debt collection

A debt collector called ERC has claimed that I owe a debt of {$68.00} from XXXX XXXX XXXX XXXX. This account was closed and the amount was charged off. I have asked for documentation to be provided from the original creditor about why I still owe this debt and none has been provided.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( XXXX XXXX XXXX ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Mortgage

My mortgage company is XXXX XXXX. I was sent a letter that my mortgage payment would be increased in XX/XX/XXXX due to not enough money in escrow to cover the property taxes. This was the second increase in the mortgage payment since I purchased the home in XXXX. I contacted my local tax office and was informed that my home was classified as unoccupied and that was the reason for the tax increase. After further researching the matter, I discovered that my mailing address for the tax office was incorrect so I had not received any notices. My home has been occupied since it was purchased and I provided proof to my local tax office. The tax office has updated the information but XXXX XXXX  has not updated my new tax rate and recalculated my escrow. I have been calling XXXX XXXX  every week since XXXX to get updates.
Product: Checking or savings account

I opened a checking account and savings account with Bank of America. I gave them my phone and my sister phone number who is on my account. I have talked to the bank and explained that I am under a protective order against my husband and didnt want him to access my account. 8 months his name was on my account and it was removed. Wed of this week I went inside of the bank. I gave her my phone number to access my account. Today Friday I called Bank of America and they told me that a phone is on the account that I didnt give them. We have a big security breach on my account. And the bank refuses to fix the problem. I cant get any information on the account due to someone else phone number is on the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has not yet removed derogatory remark that is very old XXXX XXXX   account.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Tranunion representative refused to let me dispute a inquires That was made with my authorization Theb.representative state to me that it was a factual statement and its nothing I could do.I explain to him, no its not factual when permission wasnt giving to run my credit.He went on to say two in one day is concerned as one, its not a big impact on my credit score.The inquires thats is questions is, from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX