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

On XX/XX/XXXX my XXXX XXXX  daughter deposited a {$200.00} check her grandmother gave her for XXXX. However, on XX/XX/XXXX her bank, Capital One, made an " adjustment debit '' for the same amount claiming that the " check [ was ] deposited twice. '' On XX/XX/XXXX, her grandmother asked XXXX XXXX, Store Supervisor of XXXX XXXX, to investigate this matter. XXXX XXXX created case # XXXX and wrote a letter stating that the {$200.00} check was drawn on XXXX XXXX  on XX/XX/XXXX and that " this is the only activity on XXXX  statement for this transaction. '' On XX/XX/XXXX Capital One wrote a letter responding to my complaint. In this letter, they claim that " the check totaling {$200.00} was originally presented to Capital One on XX/XX/XXXX, and then presented at another bank on XX/XX/XXXX. We were then notified on XX/XX/XXXX, by the maker of the check and reversed funds. '' I've asked Capital One several times to provide evidence to support their claim, but they have failed to do so. 

As stated above, the check was written by my daughter 's grandmother using her XXXX XXXX checking account. Capital One 's claim that " we were... notified on XX/XX/XXXX by the maker of the check '' that the check was presented twice for payment is evidently false because XXXXXXXX XXXX has no record of such alleged second attempt. Also, according to the grandmother 's bank statement, the check was debited only once from her account. 

In sum, Capital One pocketed {$200.00} that belong to my XXXX XXXX  daughter making the false claim that the check was deposited twice when in fact it was presented only once for payment at XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Collector : RESURGENT/LVNV FUNDING Account # : XXXX Acct. Balance - {$430.00} Date : XX/XX/XXXX To Whom It May Concern : This letter is regarding the account listed above, which you claim is a collection that I have with your company. This is a formal notice that your claim is disputed.

I am requesting debt validation and a copy of the purchase agreement made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation of debt that is competent evident I owe the debt. Please include the following information : Original credit contract bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.

Copy of Assignment Contract Chain A valid statement from a licensed debt collector Your company name and mailing address Name and mailing address of the original creditor, with my handwritten signature on their contract. Date of last payment of this alleged account. 
The account number of the original creditor. 
An itemization of the current amount of the debt that reflects interest, fees, payments, and credits since a particular date. 
Current amount of debt at the time of the notice Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX, and XXXX ) from your company or any company that you represent, for an alleged debt that I owe, is a violation of the Fair Debt Collection Practices Act FDCFA 807 { 15USC 1962e } ; therefore, if you can not validate the debt, I demand that all credit reporting agencies delete the entry.

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.

Failure to respond with 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking up to {$5000.00} in damages for : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act.

You will be required to appear in court venue local to me, since you are clearly doing business in my area.

For the purpose of 15 USC 1962 et seq, this Notice has the same effect as a dispute to the validity of the alleged debt and dispute to the validity of your claims.

Please note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 


Sincerely yours XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

cra violation sent po report also XXXX XXXX the report has taken longer than 30 days id theft letter also sent to id theft gov
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX Services P has violated my rights 15 U.S.C. 1681 Section 602 A States I have the right to privacy 15 U.S.C. Section 604 A Section 2 Aslo states a consumer reporting agency can not furnish a account without my written instructions
Product: Checking or savings account

During COVID I tried multiple times to get assistance with my checking account due to an ongoing financial domestic abuse issue and me not being able to understand some of the details of transactions. After my bank location closed and the next nearest branch was operating a skeleton staff I was unable to get the assistance I needed. Near the the last 2 months I was turned away with representative stating it was past the time they could do anything about the overages, charges I didnt authorize, and the holding of a deposit from the State of.California. So completely frustrated I drove to XXXX XXXX where I opened my account to hopefully get assistance there but found out my bank representative retired. I spoke with another person and after her not responding with any understanding I said forget it and I left. I found out upon arriving home she with out my authorization closed my account. I am upset because I couldnt reconcile my account.
Product: Credit reporting or other personal consumer reports

This is purely identity theft. I do not recognize these accounts. These accounts are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : Experian 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 REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

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

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate. 

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 card or prepaid card

I have a credit cart though Venmo. On XXXX the XXXX I made a payment of {$170.00} to pay my balance in full. On XXXX the XXXX two charges of {$170.00} were taken from my checking account and applied to my credit card balance. Upon inquiring about the duplicate charge they said that they would fix it and would refund me the {$170.00} that they took out of my bank that was an error on their part. Instead of returning one of the payments made to my credit card balance, they instead applied two charges of {$170.00} to my credit card balance. When I called about this they are now saying that my bank is claiming that I had insufficient funds and that is why they applied two charges back to my card. This is false as I provided them a copy of my bank statement showing where they took out two payments on XXXX the XXXX for {$170.00}. So now they are claiming that I owe them {$350.00} when in fact they owe me that much back including the double payment. They then charged me a {$29.00} late fee on XXXX the XXXX claiming I failed to make a payment that much. 

I have called Venmo multiple times and they still claim that I owe them {$350.00} when in fact they owe me that amount because they charged it to the credit card. 

So to summarize. I made a payment paying the credit card balance in full of {$170.00} which came out of my bank account on XXXX the XXXX. They are claiming that they payment was rejected by my bank and charged me back {$170.00} to my credit card as well as keeping the payment that was completed for {$170.00}. They then took out another charge of {$170.00} the following day which cleared by bank on XXXX the XXXX as well. They claim that payment was rejected by my bank so they added an additional {$170.00} chargeback to my credit card. They then proceed to charge me a late fee on XXXX the XXXX for {$29.00} claiming that I did not make a payment when in fact I payed the entire balance off in XXXX which was {$170.00}. So currently my credit card balance is {$380.00} more than it should be. I have all made a dispute with my bank for these charges as well. 

Attached are screenshots from their app as they do not have downloadable statements showing the double payments and the chargeback along with the Late Fee charged on XXXX the XXXX. I have also. attached my bank statement showing the two electronic withdraws on XXXX the XXXX that correspond to the payments they took out two for the amount of {$170.00}. If you see on the screenshots they applied the two payments but they also applied chargebacks for the same amount for which they are saying were applied because my bank refused payment when it clearly shows on my bank statement that both charges were taken out of my account twice.
Product: Bank account or service

I have received my Capitol One Bank Credit Card 3 weeks ago, until now I ca n't access my credit card online, I gave them several calls from 3 weeks ago I even visited there branch office to get this fix, until now no resolution, I have been promised several times 72 hours every time I call, fast forward to 3 weeks now still no resolution not even a tracking number for my complaint.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act XXXX  XXXX Balance Owed : {$21000.00} XXXX  XXXX Balance Owed : {$21000.00} XXXX  XXXX Balance Owed : {$21000.00}.
Product: Credit card

I got a credit report stating my verizon credit card was late on two payments. I have never opened a credit card with verizon. I am not sure who got access to my information but i assure you that credit card is not mine nor did i have knowledge of it being opened.
Product: Credit reporting or other personal consumer reports

I am complaining on behalf of Experian, XXXX, XXXX regarding my personal information such as name and address being inaccurately reported on my credit files. I have disputed addresses that I do not recognize on my credit file and have been unable to remove information on my credit file successfully. The correct name that should be reported on my credit file is XXXX XXXX XXXX, and the incorrect names and/ or pronunciations of my name such as ; XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX should be immediately removed. The correct address that should be reporting on my credit file is : XXXX XXXX XXXX, XXXX, CA XXXX and the addresses incorrectly reporting of : XXXX XXXXXXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX should be removed from my credit file immediately.
Product: Credit card

XX/XX/2023 I placed an order online for two pairs of XXXX. My credit card was charged {$26.00} for XXXX pair to be picked up in store and {$26.00} for XXXX pair to be shipped to my house. I had accidently selected the wrong store ( it defaulted to XXXX in SC where we were visiting at the time of the order ). When the order was ready for pick up, I realized my mistake and called on XX/XX/2023 to have the order exchanged and have the order sent to the correct store. The rep could not exchange it but told me they would cancel, refund the order and sent me kohls cash to ensure I could order to the correct store at the same price. 

On my statement, the refund for the order shows as XX/XX/2023 Return at XXXX XXXX and a refund of {$16.00} was placed. 

I waited expecting to receive the rest of the refund ( {$10.00} as the total paid was {$26.00} for the returned pair ). 

I contacted kohls today XX/XX/2023 looking for the refund. I was told that because of " kohls cash '' issued and used, I was only entitled to a refund of {$16.00} which was already applied. This was never explained by the first rep. I spoke with XXXX different customer service reps ( XXXX and XXXX XXXX and neither would fix the mistake. I should not have to pay {$10.00} for a pair of shoes I do not have in my hands. The order was canceled and a full refund should have been given. I asked to speak to a manager and XXXX XXXX came on the chat. She sent me their FAQ and also would not assist. 

I want them to review the call to see that the rep who helped me with the return was wrong, they should have explained the kohls cash situation because I would have returned the other order. This is predatory lending. No other company partially credits you because of a coupon they give you for shopping at their store. When I brought that up I got the same " I'm sorry '' response.
Product: Credit reporting or other personal consumer reports

I'm the victim of identify theft and I don't recognize one or more of the fraudulent accounts on my report and I would like to get these fraudulent accounts and addresses removed and blocked. The following addresses are XXXX XXXX XXXX XXXX XXXX tn XXXX and XXXX XXXX XXXX XXXX XXXX  tn XXXX and these addresses are linked to several accounts listed on my identify theft report. Fraudulent Accounts, XXXX date XXXXXXXX  account number XXXX amount of fraud XXXX. XXXX XXXX XXXX date XXXX account number XXXX amount of fraud XXXX. XXXX XXXX  date XXXX account number XXXX amount of fraud XXXX. XXXX  date XXXXXXXX  account number XXXX amount of fraud XXXX. XXXX  date XXXXXXXX  account number XXXX amount of fraud XXXX. XXXX  date XXXXXXXX  account number XXXX amount of fraud XXXX. Fraudulent Inquiries, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX.AS YOU ARE WELL AWARE, UNDER 15 U.S.C. AND 1681i ( FCRA ), YOU ARE REQUIRED TO REPORT ONLY ACCURATE INFORMATION. YOU HAVE ALREADY VIOLATED FEDERAL LAW BY REPEATEDLY REPORTING INACCURATE INFORMATION. FOR THIS IS A VIOLATION OF FEDERAL LAW THAT I HAVE A RIGHT TO SEEK REMEDY AS IT HAS CAUSED ME DAMAGE IN HOW I AM VIEWED BY LENDERS, AND TERMS OF LOANS RECEIVED. HOWEVER, I ORDER TO ACHIEVE AN AMICABLE RESOLUTION OF THIS MATTER, I REQUEST THAT WITHIN FIVE DAYS OF RECEIP OF THIS LETTER THAT THE TRADE LINE ASSOCIATED WITH THIS COMPLAINT BE DELETED FROM MY CREDIT REPORT, AS PRESCRIBED BY FCRA. I HAVE INCLUDED COPIES OF MY IDENTIFYING INFORMATION TO PROVE MY IDENTIFY. I LOOK FORWARD TO AN EXPEDITED CONCLUSION TO THIS ISSUE.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX, am a victim of Identity theft, request removal and deletion of the listed fraudulent accounts on my XXXX XXXX XXXX XXXXXXXX credit report. XXXX XXXX Open date : XX/XX/XXXX. XXXX XXXX date : XX/XX/XXXX. XXXX XXXX date : XX/XX/XXXX. XXXX XXXX XXXX  Open date : XX/XX/XXXX. XXXX XXXX XXXX Open date : XX/XX/XXXX XXXX XXXX  Open date : XX/XX/XXXX.
Product: Student loan

On XX/XX/2019, Navient withdrew {$790.00} from my checking account without my permission. This left me with {$46.00} for the month. I did not realize the withdrawal had been made until late in the evening on XX/XX/2019, which was a Friday. Navient was no longer open and is not open on the weekends, so I had to wait till Monday morning to call them to request it be returned to my account. I was told that the earliest the money could be refunded was 30 days, but they would mark it as urgent, which would mean it would be refunded between XXXX XXXX, which was still 2-3 weeks away. I was told by Navient that they took the money out because I had put it on autopay, which is completely false. I don't have a steady income, and would never put my account on autopay. I have nothing on autopay. Again, after they took the money from my account, I only had {$46.00} left in my account. Once the other pending charges from the weekend went through, my account went into overdraft, and now I have overdraft fees. This has caused literally all of my other responsibilities to be late. I can't pay for my health insurance, I can't even afford to put gas in my car so I can't get to work.
Product: Credit card or prepaid card

On XX/XX/2021 I received a notification that my credit card with Chase was closed. I called customer service the same day and was informed that my account was closed due to Bank Policy. The supervisor refused to provide the details of closure and reiterated that our relationship has ended. On XX/XX/2021 I received a call from XXXX from Chase executive office who refused to answer any of my questions just kept repeating that they do not own any expatiation as to why account was closed and did not want to discuss it further. However, I do know through the information that I was given, that account was closed due to excessive disputes. What I do not know, how the bank calculated it and what excessive really meant if it was done in a good faith. I do have good history of paying my bills and was never late with y payments. The account was closed without any notification or review nor explanation what excessive disputes really mean.
Product: Debt collection

I have made several attempts, under written communication category I requested for a 1099-c under debt validation from SoFi bank but they merely sent me bank summary and did not sent me the same communication. 

I consulted an attorney and he said under the CFPB Complaint Portal, my issue most appropriately aligns with Written notification about debt because my complaint revolves around your right to clear, accurate, and legally required documentationspecifically the failure to provide Form 1099-C, which impacts your tax reporting obligations. 

Here is a little background. I took out a personal loan from SoFi Bank on XX/XX/2024, totaling {$65000.00}, with a fixed interest rate of 15.85 %. Due to financial hardship, my account became delinquent, and SoFi charged off the debt on XX/XX/2024. SoFi subsequently transferred the debt to XXXX XXXX XXXX XXXX . 4. I requested that SoFi issue a Form 1099-C to reflect the cancellation of the debt due to the charge-off. However, they refused, claiming the debt is still owed and transferred ownership to XXXX. 

I have made three formal requests to SoFi Bank for a Form 1099-C ( Cancellation of Debt ), as required by the IRS under 26 U.S. Code 6050P. Instead of complying, SoFi Bank has provided only a general account summary, which does not fulfill their legal obligation. Despite multiple attempts to resolve this matter amicably, SoFi Bank has failed to respond appropriately. 

The absence of the required 1099-C is impeding my ability to accurately report my tax obligations. I am seeking CFPBs assistance to ensure SoFi Bank complies with its statutory duty to issue the form for the canceled debt. 

Supporting Legal Context Under IRS regulations, creditors are required to issue a Form 1099-C if they cancel or forgive {$600.00} or more of debt. Failure to provide this documentation can cause undue tax complications for consumers and may violate federal guidelines. Your complaint emphasizes : 1. The legal obligation under 26 U.S. Code 6050P.

2. The consumers right to proper documentation for tax and financial clarity.

If Sofi Bank continues to be unresponsive, I will contact the IRS to report their non-compliance. The IRS can pursue penalties for failure to issue the required form. 

I will also have to ensure my tax returns accurately reflect this situation,
Product: Credit reporting or other personal consumer reports

Addresses and phone numbers need to be removed. They were not mine. 
Addresses : 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 XXXXXXXX XXXX  All phone numbers should be removed other than XXXX and XXXX -these were the only two that were mine.
Product: Debt collection

Coat Professional contacted my office wanting to know if this person worked here. He said that this person applied for something and he just need to is she worked here. I told him that we can not give out employee information without a consent from signed by that person. He said that he could give me her complete social and name.
Product: Credit card or prepaid card

My credit limit was decreased due to limited usage. This unfairly penalizes me for responsible usage and will negatively impact my credit score through no fault of my own. I spoke with a supervisor on XX/XX/2020, who informed me that they can not and will not reverse this decision. For a company to hold such sway over my credit score, without any negative action on my part, is not only unjust and unfair, it violates the terms we both agreed to when opening this account. Since I did nothing to warrant this action, I see no basis for the company to change the terms of our agreement and to adversely affect my credit score.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer Financial Protection bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishes, to accepting notify consumers, of dispute outcome. Theses failures align with my experience, where Experian has neither corrected nor removed