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

In XX/XX/XXXX, I opened an account with Capital One bank over the phone, since they do not have office in XXXX. I made a call and they told me that without being a US resident I could open the account and asked me for my Passport and my Social Security. I told him I was from XXXX and he said there was no problem. 
The account was opened and without problems began to operate through XXXX. in XX/XX/XXXX, I tried to make a XXXX and it was not possible ; He called to see what happened and at that moment I They said the account was blocked because I couldn't have an account with them if it wasn't resident or citizen US documents, my response was that my XXXX passport was accepted without any problem when opening the account, and that if there was any error it was not my fault, but that of the person who opened the account for me and entered my XXXX social number ( of which I provided a photo and which very clearly it says Social Insurance Number and a XXXX flag. there was no reason to get confused and think it was an American social number. 
Since XX/XX/XXXX, I have made countless calls to the bank and their response is always that the account is under review by the bank 's security department, I have requested in each call close the account to no longer have my money withheld but their response has been the same " WE SHOULD WAIT FOR THE INVESTIGATION TO BE COMPLETED. '' At that time I did not know what investigation were they talking about since the reason why the account was blocked was for not having a American but XXXX social number These calls are made approximately every month without having any other response. 
that they have given me from the beginning. 
In XX/XX/XXXX, I received a statement from the bank, unfortunately it had been misplaced in other documents and I only found it now in XXXX and opened it, and I realize that there is a withdrawal on the XXXX XXXX for the total value of the account balance, leaving ZEROS. 
I called again and this time they put me through to a person from the security department who answered in English and through a translator, told me that my account was closed because the security department found fraud and the money was returned in a check. I said no had received the check and his response was that I was not the real owner of that money and that this had been returned to its owner. 
I asked him for more explanations but he didn't want to give them to me and that the bank also had no obligation to Give me more explanations neither by phone nor in writing.
Product: Credit reporting or other personal consumer reports

Dear Equifax Just to start things off, 15 days should be enough time for your company to send me the information that Im requesting regarding the last investigation you did on the following account listed below. 

XXXX XXXX : Account number : XXXX, Bureau code is inconsistent between Bureaus. Can you delete this ASAP and send me and update. 

XXXX XXXX : Account number : XXXX, Bureau code is inconsistent between Bureaus. Can you delete this ASAP and send me and update. 

XXXX XXXX : Account number : XXXX, Bureau code is inconsistent between Bureaus. Can you delete this ASAP and send me and update. 

XXXX XXXX : Account number : XXXX, Bureau code is inconsistent between Bureaus. Can you delete this ASAP and send me and update. 

You verified this account pretty fast. I have a simple request. What procedures does your company have in place to investigate accounts? Can you send me a copy of those procedures? Second, what data are you basing your verification off? Please send that to me also. I want to make sure you are following the law. 

15 Days should be enough. 

Tracking all letters. 

Waiting.
Product: Credit card

Over 7 years ago, I was 30 days late on a payment with a Sears card. It was paid off in full, but is STILL reporting as 30 days late on only XXXX of the bureaus and they wo n't remove it even though it was over 7 years ago. It 's the only derogatory thing on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Went for a home loan pre-qualification and my credit report showed a serious delinquency on an account that i did not open. The account was opened under my name for a XXXX phone in XX/XX/XXXX and was sent to collections in XX/XX/XXXX for a sum of {$3500.00} but not to my address. I contacted XXXX on XX/XX/XXXX to discuss and found out that the billing address for the fraudulent account was in XXXX, NY ; I live in MA. I previously had a XXXX account which I had closed in XXXX when i switched to another provider. 

My credit report mispelled my name. ; using XXXX proper spelling is XXXX for first name.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been a terrible experience throughout the term of my loan. Between a faulty XXXX system that randomly cancels itself and charges you a late fee and puts a late payment on your credit, and rude customer service, I regretted going with this company from the start. 

When my vehicle was totaled by an 18 wheeler, my gap insurance included coverage for the remaining balance of the loan and any other outstanding fees. 

XXXX is now claiming that I still owe over XXXX and has made this a charge off on my credit. I have tried to solve this with the company by telling them my gap insurance was willing to pay for it, to which they reply that they wont cooperate with the insurance. 

This bank has single-handedly ruined my chances at getting a home.
Product: Credit reporting or other personal consumer reports

I am sending to bring to your attention the presence of inaccurate information on my credit report with your agency. The incorrect details are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX The aforementioned inaccuracies are materially affecting my creditworthiness and causing harm to my financial well-being. I believe it is crucial to rectify these errors promptly. 

I have conducted a thorough review of my financial records and can provide supporting evidence to substantiate my claims regarding the inaccuracies. Attached to this affidavit are copies of relevant documents that demonstrate the discrepancies, including but not limited to : Bank statements, payment receipts, and correspondence with creditors I request that you undertake a complete and fair investigation into these matters and take appropriate action to remove the inaccurate information from my credit report. According to the Fair Credit Reporting Act ( FCRA ), it is your responsibility to ensure the accuracy of the information you maintain and report. 

Furthermore, I request that you provide me with a written notification upon completion of your investigation, including details of the actions taken, any changes made to my credit report, and a revised copy of my credit report reflecting the accurate and updated information.
Product: Money transfer, virtual currency, or money service

The problem is with PayPal. 

They have seized my son 's money that remains on a balance equal to {$480.00}. They indicated that he is a minor, which he was up until 3 weeks ago.

Please note, during the account opening process, Paypal in no way sought to verify my son 's age. They were more than happy to open an account. On an ex-post basis, they used this to seize these funds. He has since turned XXXX and has sent his drivers license, which they refused to accept. 

They indicated they would release the funds within 180 days. 193 days have passed and they still refuse to release his money. 

They refuse to provide any documentation supporting their position, but still refuse to release his money. 

Paypal is a recidivist because it is economically profitable for them to be so. They don't care about complaints and simply hold funds hoping people just give up, and yes, at some point they do need to escheat the money, but not after they have earned interest on or have otherwise used these customer balances to lower their banking fees at XXXX. 

They maintain limited call center support and push all this back office work to offshore labor so the costs are irrelevant. I would guess 9 out of 10 parents just give up. 

Here is an idea. For every monetary complaint, so {$480.00} in this case, there are treble damages. My son gets his money back and Paypal pays the CFPB, {$1400.00}. 


They are just a bunch of miserable XXXX liars.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Experian Credit Bureau XX/XX/XXXX to update this suspicious information. I think you have not validated these account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT XXXX, and I'm including it again. 

XXXX XXXX XXXX Date opened XX/XX/XXXX Balance : {$0.00}.
Product: Money transfer, virtual currency, or money service

I had transferred funds via Western Union to XXXX - tracking number XXXX. The funds were never credited to the beneficiary account. Western Union has been claiming that the funds were transferred. I have provided them with documentation from the recipient bank evidencing that the funds were not credited. Have raised XXXX tickets with Western Union but never got response - Ticket numbers XXXX and XXXX. The value of the transfer was {$3000.00} and transaction date is XX/XX/2021. I have been constantly chasing Western Union team but have not received any response. The beneficiary bank also requested for XXXX XXXX to investigate the transfer but this was also not provided by Western Union.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of debt bondage and would like for all listed accounts to be blocked and deleted company information. Please delete the following accounts. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My Identity has been effective in Equifax Data Breach. After winning a fraudulent Credit Card case and seeing all the inquires I needed help because speaking with the bureaus I couldn't get them removed. 
XXXX XXXX XXXX XXXX XXXX XXXX Identity has been effective in Equifax Data Breach XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I recently reviewed my consumer report and have notice some accounts I am not familiar with. I have followed all proper procedures to have these items removed from my consumer report. See attachments
Product: Debt collection

I have a large medical bill. I have been paying monthly payments that are automatically deducted out of my checking account. Last year or so I received a letter in the mail saying that I was in collections and I was going to have a negative impact on my credit score because I was delinquent in paying my medical bill. When I spoke with the person he was very rude, nasty and said that I was in collections because I did not pay. I explained that this was wrong because I have a monthly payment plan and the money is taken out of my account automatically. He told me that I had to pay almost {$900.00} otherwise it would show up on my credit score. I paid it even though I did not have the money, that was the whole reason for having a monthly payment plan. I still owed money after that I continued to have monthly payments automatically taken out of my account. XX/XX/XXXX I paid off the balance with my new XXXX  card that i have with me new employer. XX/XX/XXXX I paid {$920.00} with my XXXX  card. but then I was notified by the XXXX that I could not do that because XXXX  was only to be used for new accounts/bill from XXXX. I called Amcol and explained this to them and asked them to refund the payment. I was told that the payment had not gone through yet because it was still pending so I was all set. Amcol was taking monthly payments from my account. I called Amcol again in XX/XX/XXXX and they said that the {$920.00} payment did not go through and that they were taking money automatically out of my account. In XXXX I tried to use my XXXX card for a bill and it was declined. I was told that it is declined because of the {$920.00} payment to Amcol. I called Amcol numerous times and all I could do was leave a message, I left messages with my info and contact info. I never heard back. There were 2, 3 way phone calls made to Amcol by my XXXX  with me, anthem and Amcol to fix this situation the calls were in late XXXX and in XXXX. We were told that they would be refunding me the {$920.00}. So, they have not refunded the {$920.00} and they are still taking monthly payments out of my account. They are taking monthly payments out of my account even though this debt was paid off at this point since they did get the money from my XXXX  that they supposedly never submitted. Also, I explained to them that they have not send me a statement since XX/XX/XXXX and they tell me that they don't send statements for long term payment plans. They have been paid in full and they are taking monthly payments out of my account. No statements showing what I have paid or what I owe. I called them last week to get a status and they told me a check was sent XX/XX/XXXX. I just received a check and it was for {$80.00}. They are in a sense, stealing my money at this point. I have filed a complaint with XXXX  and I am going to contact my state representatives and delegates and will have to get a lawyer. All of this is unacceptable. I am hoping someone will help me with this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DID NOT CONSENT, AUTHORIZE NOR BENEFIT FROM THE FOLLOWING INQUIRIES ATTACHED. REMOVE THEM IMMDIATELY. 

THERE ARE ALSO ADDRESS LISTED THAT ARE NOT CONNECTED T ME AND INCORRECT DOB LISTED ON TRANSUNION WITH XX/XX/1983. 

THE ACCT LISTED BELOW IS NOT MINE : XXXX ACCT # XXXX i HAVE FILED FTC REPORT AND DISPUTED THESE ACCOUNTS NUMEROUS TIMES I HAVE NEVER RECIEVED PROOF OR VALIDATION THEY BELONG TO ME.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, 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 written instructions
Product: Credit card or prepaid card

XX/XX/XXXX charge entered incorrectly over XXXX Card was swiped and NetSpend declined the charge yet placed a hold for the total amount I had available at the time {$1300.00}. 

XX/XX/XXXX contact with Merchant advises they do not show a hold or any funds for me yet NetSpend still has funds pending. 

Now XX/XX/XXXX NetSpend is charging overdraft fees however the funds that are pending would cover it if they would release the hold that they denied. I have paid cash for the product already.
Product: Credit reporting or other personal consumer reports

After thoroughly reviewing my TransUnion credit report, I was alarmed to discover multiple errors that should never have been there. These are not minor mistakes ; they are actively damaging my financial reputation and creating unnecessary obstacles. I will not allow misinformation to dictate my creditworthiness and demand an immediate and thorough investigation. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. If these disputed items can not be substantiated with solid evidence, they must be removed immediately. This is not a mere requestit is a demand for compliance with federal law, and I expect a prompt resolution. 

Company Name : XXXX - Account # : XXXX - Balance : {$5600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My account with CREDIT ACCEPTANCE CORP, account number is XXXX, there are no late payments showing on my credit report how come that XXXX payment status is late 60 days? I've been reaching to the bureaus about my concern to correct my status yet there is no response coming from them. 
CREDIT ACCEPTANCE CORP XXXX Balance : {$0.00}
Product: Debt collection

I am writing to address my concerns regarding the validity of the debt referenced in your recent communication. It is important to clarify that a breakdown of changes to the account does not constitute validation of the debt itself. I am requesting a thorough itemization that provides clear evidence that the debt is indeed mine and meets the requirements set forth by the Fair Debt Collection Practices Act. 

To facilitate this process, I require the following documentation : XXXX. **Date of First Activity** : The date the account was initially opened or the debt originated. 
XXXX. **Date of Last Activity** : The most recent date of any transaction or communication regarding this debt. 
XXXX. **Date of Last Payment** : The date on which the last payment was made towards the debt. 
XXXX. **Account Number** : The specific account number associated with the debt in question. 
XXXX. XXXX Account XXXX : The total amount owed as of the date of this letter. 
XXXX. **Status of the Account** : A clear indication of whether the account is active, closed, disputed, etc. 
XXXX. **Chain of XXXX or XXXX : Documentation proving the ownership and transfer of the debt, including any assignments or sales. 
XXXX. **Proof of Ownership** : Evidence that your organization currently owns the debt and has the right to collect on it. 
XXXX. **Proof of XXXX XXXX : Documentation that demonstrates your authority to collect on this debt. 
XXXX. **Copies of Signatures** : Signed agreements from all parties involved in the original transaction and any subsequent assignments. 

Providing the aforementioned information will help establish the validity of the debt and clarify my obligations. Please respond at your earliest convenience, as I believe it is in both our interests to resolve this matter promptly. 

Thank you for your attention to this issue. I look forward to your timely response. 

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

There are fraudulent items on my credit report and Equifax is not aiding me in removing them from my credit file. Equifax is enabling identity fraud and is completely ignoring the FCRA. The two fraudulent items on my credit report are XXXX XXXX  and US Dept of Treasury . I have provided my ID and FTC Affidavit and Equifax has refused to remove and block these accounts. My request to block is not made in error. My request to block is not based on material misrepresentation. My request to block is NOT of a knowing or should have known about the possession of goods or services.
Product: Mortgage

I had this same issue last year, the company responded to my request last year after expediting my request. This year when my homeowner 's insurance increase was received, I located alternative insurance at a lower price the same day. Due to timing the payment was sent to homeowner 's insurance that had sent payment increase and also to my new carrier, I was sent a reimbursement check. The amounts do not seem accurate, perhaps they are. When I call the customer service telephone number, they refer me to my escrow statement. I had reviewed my escrow statement before reaching out. I reached out to two other individuals who had previously assisted me, no response. I sent my information to someone who specializes in this type of information, she was also lost.
Product: Debt collection

I have not received any validation documentation from United Revenue Services. A bill is not validation, I'd like to see original documentation with my signature. I am allowed under the Health Insurance Portability and Accountability Act to protect my privacy and medical records from third parties. 
-Please provide breakdown of fees including any collection costs and medical charges. 
-Provide a copy of my signature with the provider of service to release my medical information to you. 
-Cease any credit bureau reporting until the debt has been validated by me. 
The credit bureaus that are reporting this inaccurate information has failed to send any communication in response to dispute letters that were sent asking for validation. Please remove from my credit report at once until this is investigated and the debt is proven to be mine. XXXX has failed to complete an investigation into the account in question within the 30 days allotted as per the Fair Credit Reporting Agency Section 611 ( a ) ( 1 ) ( A
Product: Debt collection

I have tried to contact this company at the address provided to get information regarding this debt. This company has not provided me with a proper mailing address. And this company is not license to collect in the state of Texas. I 've checked with the Secretary of State of Texas and they have no company with this name as a legit company here. So I ask that with the information I am providing that you demand this company to remove their derogatory and false debt from all of my credit reports. XXXX, XXXX XXXX, and XXXX immediately. this company is a fake.