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

Capital One Bank closed my savings account without my consent and without any notice plus I did not get my funds from my account. I have emailed, called and sent XXXX to their Customer Service XXXX profile @ XXXX and they will not reopen my account and restore my funds and history for that account. I have opened another complaint about this issue XXXX-XXXX and Capital One Representative XXXX XXXX would not restore my savings account or funds. The reason I am opening this complaint is because my issue is never escalated to any other employee but XXXX XXXX. She must have noted in my account to forward all my complaints to her because Capital One has thousands of employees and every complaint or call I make regarding this account, it is ALWAYS forwarded to her. I am requesting escalation of my complaint to be reviewed by XXXX XXXX 's Management. My savings account should have never been closed without any notice. I was receiving my account mailings from Capital One and this was handled very underhanded and corruptly plus XXXX XXXX is making sure that no one in Capital One 's Leadership is aware of what she has done to my account. Please assist me getting my savings account restored. 
Thank-you
Product: Debt collection

I settled out an auto loan with XXXX XXXX XXXX XXXX XXXX on XX/XX/2018 and I have a letter from the credit union dated XX/XX/2018 indicating I settled out the account for {$3500.00}. I received a collection notice from R.A Rogers dated XX/XX/2018 indicating I owed {$6800.00}. I called the credit union on XX/XX/2018 and I spoke to a representative at approximately XXXX indicating the loan had been settled, I asked how the agency got my information and thought I owed the bill. I was told the credit union never notified the collection agency I had settled out the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a late payment that I have been able to finnaly get reversed after two years of asking for them to reverse when it's my only late payment in 5 years and now for the last year I've been requesting it to be take. Off my credit report and it's still there which has caused loss of potential houses and loans
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the XXXX and TransUnion credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX Balance : {$210.00} ; XXXX XXXX Balance : {$1500.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1.00} ; XXXX XXXX Balance : {$2.00} ; XXXX XXXX Balance : {$2700.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : XXXX  : XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Product: Credit reporting, credit repair services, or other personal consumer reports

My loan payments were always sent on time. I keep explaining this to the credit bureaus but they keep on saying that the accounts are accurate and they have verified it..The accounts were not reported correctly and I would like it fixed! Please correct the status because I was never late on my XXXX/XXXX XXXX, XXXX/XXXX XXXX, XXXX/XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian 's online credit-freeze site does not work. I don't want the paid plan. I'm trying to freeze my bureau for free. XXXX and XXXX let consumer freeze their bureaus for free. Experian wants you to pay for the service. There is no customer service phone number or email address. Experian is by far the worst bureau for consumers. The only available method I can find is to mail them my personal information. They won't let you freeze your bureau online unless you use a paid service.
Product: Debt collection

In XXXX of XXXX I went into my local Wells Fargo Branch to separate all banking with my ex-husband. We had a personal checking account, a business checking account, a business line of credit and a long term business loan. The only account that was supposed to remain ( as a joint account ) was the long term business loan that I was a co-borrower on. 

The the line of credit associated with this business was supposed to be closed. The balance on the line of credit was XXXX at that time. When I followed up a month or two later, the banker told me that the only loan that I was associated with was the long term loan. 

At some point in XXXX, my ex-husband drew on the line of credit. This is after the account was supposed to have been closed. I had no knowledge of this until I received a demand letter on XX/XX/XXXX from Wells Fargo stating that I was a co-borrower on the line of credit in the amount of {$34000.00} and liable for the balance ( which was past due and in default ). I have tried many many times to get more information and bank statements from Wells Fargo and no one has been willing to provide me with any.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 'm a victim of identity theft and account 's was open on my name that I was n't aware of from XXXX XXXX XXXX XXXX has of XX/XX/2016 # 1. Installment Loan accounts number XXXX has appeared on my credit report # 2.Credit Card account number XXXX has appeared on my credit report I would like these account to be removed from my credit report I ad send a copy of police report to. the credit bureaus also
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( block , inc ) 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 an address fraud on their platform, leaving my account, vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive as they did not comply with air resolution requirements under the electronic fund transfer act ( efta ) And regulation XXXX these actions have cause significant inconvenience and financial loss and I seek appropriate redress for these violations
Product: Credit reporting or other personal consumer reports

Subject : Request to Block and Delete Accounts Due to Identity Theft Pursuant to 15 USC 1681c-2 ( a ) To Whom It May Concern : I am writing to formally notify you that I have become a victim of identity theft. In accordance with my rights under 15 USC 1681c-2 ( a ), I am requesting that you block and permanently delete any fraudulent accounts, inquiries, or information associated with the identity theft from my credit report. 
I am also attaching proof that I was a victim of the XXXX XXXX breach, and I kindly request that this information be considered as part of my claim. 
I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within FOUR business days.

To following information on my credit report is the result of identity theft and should be blocked : Account Information : Creditor Name : XXXX XXXX XXXX Account Number : XXXX I am also including an FTC Identity Theft Report with the reference number XXXX to further support my claim of identity theft. This report provides additional documentation of the fraudulent activity linked to the XXXX data breach. As mandated under 15 U.S.C. 1681c-2, upon receiving this identity theft report, credit reporting agencies are required to block and delete any information identified as resulting from identity theft within four business days. 
Please find enclosed the following documents to support my claim :. 
I request that you confirm receipt of this letter and provide me with a written statement once the accounts and information have been blocked and deleted, as required by law. Please ensure that I receive an updated copy of my credit report reflecting these changes. 

Thank you for your prompt attention to this matter. I trust that you will act quickly to resolve this issue in accordance with the Fair Credit Reporting Act ( FCRA ). 

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

I have reached out to experian to remove a collection from my account on multiple occasions. They are still reporting inaccurate information. I have provided a XXXX  number and I have also provided court records, they still refuse the remove the following information from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Per FCRA experian must : modify the information, delete it, or permanently block its reporting if the information turns out to be inaccurate or incomplete or cant be verified. FCRA 623 ( b ) ( 1 ) I have  provided court documentation twice, along with XXXX case number, but Experian still report this on my credit and they are in direct violation of FCRA.
Product: Student loan

In 2021, I received notification Navient was not my loan servicer. XXXX will be my servicer of XXXX XXXXXXXX. In the meantime, Navient states they ARE my servicer, the new company XXXX is not my servicer because my loans are not Federal loans after 30 years info attesting that the loans are Federal consolidated FFELP loans. Now Navient is attesting to the loans as commercial not federal loans. When Navient was my servicer I paid on time consistently. Now they are reporting that I am 90 days past due on a loan they originally told me will be serviced by XXXX. My credit score plummeted from XXXX to XXXX. Please help me!
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint last XX/XX/2023 and it was closed immediately. I submitted a complain again last XX/XX/2023 and again it was closed immediately. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately.
Product: Credit reporting or other personal consumer reports

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Product: Checking or savings account

My bank account with SoFi Bank was hacked XXXX XX/XX/year>, SoFi stated that the fraudster was so relentless that they ( SoFi ) will have to close my account and my account was close XXXX XX/XX/year>. I've been on the phone with XXXX from the fraud team and several other customer service representatives ( XXXX and a few others ) daily since XXXX XX/XX/year>. During my calls with several representatives I've been getting different information leaving me concerned about my money that I've yet to receive. I just want my money so I can pay my bills and not have to deal with this institution. The last two days I've been calling XXXX from the fraud team and now she's not taking my calls. I just want my money. I don't understand why they are mailing the check in the first place because I have an external account connected to this SoFi account and I want to believe they could have simply transferred the monies to that account or overnighted the check or wire transfer into my external account instead of mailing a paper check. I have bill to pay. XXXX : XXXX Banking : XXXX Both checking and savings. money moved to checking account then closed removed money from both savings and checking accounts.
Product: Debt collection

Syncom debt collector 1- I do not recall having a debt with your company?

2- Who was the original creditor?

They said some bank td bank.

I do not recall having any debt with that bank 3- I need them to send me validation of the debt 4- I need to see you have permission to collect this debt.

5- I also need to see the original application with my signature on it I need payment history of this account. I need to see how you came to your total amount.

6- has there been any insurance claim on this debt? If so how much? 

Send it to me with the address you have on file. I will not give my ssi number to anybody who I have not done. business with.
Product: Debt collection

Cash Call constantly harasses me and my husband. They leave messages threatening to come to our place of employment and speak with a supervisor. The use terminology which includes the word federal summons frequently. They have never sent anything on paper through the mail but they call every day from different numbers and unknown numbers. One of their representatives told me the sheriff would be at my husbands job the next day to arrest him. 
We took a loan online through XXXX XXXX about 10 years ago. We paid and paid but the balance just kept getting bigger so we gave up. There was no way to ever pay it off. I contacted the Attorney Generals office years ago and when I told them about the situation I was told the loan violated lending practices. I informed Cash Call of that and they stopped calling me for years but they are back again.
Product: Money transfer, virtual currency, or money service

Signing up to XXXX and I am not able to link my bank account so that I may add funds to my account to begin investing. When trying to do so, the XXXX XXXX informed me that PNC was not allowing this to happen.
Product: Debt collection

We receive multiple daily calls from this company, even though we have told them we are not the persons that they list. 
We have told them on multiple times they have the wrong number and they say they will stop calling, but they continue to call daily.
Product: Checking or savings account

Someone tried to open four checking account in three different banks under my name and wrong address. Only one bank verified the last four of my social security number. I opened an identity Theft case with the police and they said we that they would content me if they received any information. If any questions call me at ( XXXX ) XXXX. 


XXXX XXXX XXXX  checking account XXXX XXXXXXXX XXXX XXXX checking account XXXX XXXX application number XXXX Wells Fargo no account number given
Product: Credit reporting, credit repair services, or other personal consumer reports

The below inquiries are showing on my credit report and I did not make them. I need these removed as it's fraudulent. 

XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX/XXXX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score dropped drastically for no reason. I have e-mailed them and their response was that they would look into it and get back with me which they did not and I have e-mailed them since asking why. No response and crickets with nothing and no answer. My income has not changed, all payments made on time and no more debt, even auto loan paid off with excellent payment record on all cc and autos. Home paid for and really very low debt load. less than XXXX. The credit reporting agency is Experian and my score was XXXX then dropped to mid 700s for no reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2016-XXXX XXXX i was never served with papers on this debt for court and the debt has never been prove to me in acordence to FCRA and all three are listing this debt incorrect i want this full debt on all three removed asap i am a XXXX vet frighting with them for going on two years please help thank you
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove 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. 
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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I prepaid a lease over XXXX years ago but the company is still reporting the prepaid information. 
A company is only supposed to report information for 7 years. This company is still reporting this information after 7 years which is a crime according to the FCRA.
Product: Mortgage

My mortgage was transferred from XXXX to LoanCare, LLC XX/XX/XXXX. I was advised to send my payments to LoanCare at XXXX XXXX XXXX, VA XXXX. About 2 months later, I received a large envelope from XXXX XXXX XXXX XXXX stating that my loan number had been changed and to send my payments to XXXX XXXX XXXX XXXX, CA XXXX. I updated my electronic billpay accordingly. When I began receiving actual mortgage statements again, they were from LoanCare, LLC and they do not list any mention of Podium Mortgage. I figured that my loan had again been sold so I switched back to my LoanCare billpay for my electronic payments. What I failed to realize was the the mortgage number was different and there was a different address listed ( the one in XXXX ). For many months, my electronic payments have been received by LoanCare and deposited to my mortgage account even though the loan number and address on my billpay was different, until XXXX of this year. On XXXX XXXX, I received a delinquent notice from LoanCare. I immediately called and they advised me to send a bank statement and tracking number of the payment that was taken from my account. I sent the bank statement to LoanCare on XXXX XXXX and was given a Ticket No. to reference for all future calls/correspondence. I submitted the bank statement, proof of payment ( copy of the front and back of the deposited check, along with the tracking number. I have called a total of 7 more times and explained all of this to each representative who each give me completely different answers as to when this may be resolved. Last weekend, I received a large envelope from LoanCare stating that I was two full months delinquent in paying my mortgage and they they would be turning my over to collections for failing to pay and or communicate with them regarding this issue. I paid my XX/XX/XXXX payment to the correct address and identified the correct loan number and it was taken from my account on XXXX XXXX. During my last conversation with a representative, I was told that the ticket had n't even been assigned, no response as to how to handle the collections issue and refused to let me speak to a manager, someone in the Escalated Research Dept., or legal dept. I filed a complaint with the Dept of Consumer Affairs and a representative called on my behalf with the exact same results. They refused to escalate the call to anyone who could answer any questions. I was told I would get a call back in 48 hours. It has now been 4 days and yet again, I have heard nothing from them. I have all my documentation with names and ID numbers of the representatives I have spoken with, some who have confirmed that they have all my documentation. I do n't understand how they can steal my money and turn me into collections. I have made every attempt to resolve this matter to no avail. I have all the documentation that I would be happy to share with you if you need it for further evidence. Please help. This company is a predatory monster. I did n't choose to have my loan with them and I have no way out since they are ruining my credit.
Product: Credit reporting or other personal consumer reports

This afternoon, I was completely shocked to find inaccurate accounts showing up on my credit report. I check it routinely, but this time there were inexplicable errors. I attempted to refresh my browser to see if it was a temporary glitch, but the incorrect accounts remained. I'm requesting a thorough examination of the documents I've sent so I can stop worrying about this issue.
Product: Credit reporting or other personal consumer reports

My SSN has been used as a personal gain. 
have reported the criminal activity to the appropriate authorities. My file keeps showing over time FCRA violations : Late Payments : 15 USC 1681 a ( 2Xi ), 15 USC 1681 ; Permissible Purpose : 15 USC 1681b ; Reinsertion Deleted Items : 15 USC 1681i ( 5 ) ( b ) Responsibilities of Furnishers : 15 USC 1681 ( s ) -2 ; Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) ; Verification : 15 USC 1681i ( 7 ) I am requesting the fraudulent items are removed immediately : XXXX. XXXX XXXX- $ XXXX : XX/XX/XXXX XXXX XXXX XXXX $ XXXX : XX/XX/XXXX XXXX. XXXX : $ XXXX : XX/XX/XXXX XXXX. XXXX XXXX : {$4700.00} : XXXX? 

Unauthorized Inquiries : XXXX XXXX  : XX/XX/XXXX ; XXXX XXXX : XX/XX/XXXX ; XXXX XXXX  : XX/XX/XXXX ; XXXX XXXX : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XXXX XXXX XXXX : XX/XX/XXXX After discovering this unauthorized activity and receiving mail about these erroneous collections, I took steps to protect my credit files and identity to prevent more damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Account XXXX XXXX  XXXX XXXX  XXXX Account XXXX XXXX XXXX XXXX  Account XXXX sent ftc violatons taking more than 30 days
Product: Credit reporting

i have many inquiries on my credit file that i did not authorize. on my experian report there are XXXX reportings from XXXX- XX/XX/XXXX XXXX - XX/XX/XXXX i contacted XXXX and they confirmed that i did not make these inquiries - i 'm attaching the letter of confirmation in this complaint
Product: Checking or savings account

On XX/XX/XXXX my Sofi checking account was hacked for {$2500.00} in mostly multiple {$70.00} and {$90.00} transactions. Different people took money out through pay a friend. I did not know any of these people and the bank said that they were from all over the world. My account was frozen and I had no access to my money for a week. After their investigation the bank put the money back into my account and I open a new account with Sofi and on XX/XX/XXXX it happened again. Same pay a friend they took out {$2000.00} in mostly {$20.00} and {$25.00} for a total of 70 transactions. 
After their investigation they said they were not returning my money and they were taking back the money from the first time it happened too. A total of {$4500.00}. 
They said that there was a two factor authentication and thats why they are not returning my money. 
I looked up what that meant and I did not put in a code or used Face ID for these transactions.