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

I transferred a total of {$46000.00} to open a CapitalOne savings account. Because an earlier attempt to open an account had resulted in no apparent account creation, I ended up opening two separate savings accounts, one funded with {$30000.00} and the other with {$16000.00}. The transfers were initiated on XX/XX/XXXX and XXXX respectively. I called the bank because of the issue with the earlier transfer not showing up on CapitalOne 's website and its related app. They explained that I had opened two accounts, so we closed one and transferred {$16000.00} into the remaining account. 

I was planning on using the funds to purchase a car, so I always knew that I was going to withdraw most of the funds, but wanted to keep the new account open because of its attractive interest rate. However, I was told I could not initiate a wire transfer. I was offered a cashier 's check, but because this is an online bank, the cashier 's check would be sent by XXXX, which I considered too insecure to do. Finally, after speaking to a CapitalOne representative on XX/XX/XXXX and confirming it with the " ambassador '' at the CapitalOne XXXX, I initiated a transfer of all the funds back to one of the originating banks. 

At this point, all looked good. The transfer showed up in my app as having been initiated. Shortly after that, however, when I checked back in, the website/app displayed on all of my accounts a " funds not availabe. Please call ... '' I called the number multiple times and it only led to a recorded message, " Please leave a message by pressing 1. If we need more information, we will get back to you with two business days. '' Because my new car is ready for delivery, I need more rapid action. I manipulated the phone tree to get a human being in the security department. While they asked me some questions, it wasn't clear what they wanted from me nor would they provide any information on why my funds were available, only that the account was being closed and the funds returned to one of the two banks, although why they would do it that way seems strange. Worse, the timeframe they gave me was three-five business days. 

I would just mention that I have had a CapitalOne card for many years and that only recently they were offering to raise my credit limit, so my treatment is bizarre from a business standpoint. Worse, I am in limbo. I received today an email from CapitalOne asking me to try to transfer the funds again. Returning to the website, I am only presented with the " funds not available message. ''
Product: Mortgage

XXXX XXXX sold my mortgage to Fay Servicing. I tried to apply for a loan modification. Fay Services took all my information. Then sent me a notice that I must pay {$1600.00} every month. {$740.00} + {$950.00}. My regular mortgage payment is {$740.00}. I am 4 months behind. {$740.00} x 4 is {$2900.00}. They want me to pay {$950.00} x 4 =  {$3800.00}. For what? I have only 1 late fee of {$25.00}. This is not a modification! My account manager is XXXX XXXX. 

I am a Personal Banker at a bank. We cant treat customers this way. How can they?
Product: Credit reporting or other personal consumer reports

INCORRECT INQUIRIES FOUND ON MY REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I need a 1099 c form if Toyota financial wrote of the debt with the IRS. Theyre required to do so. I want the company they hired without my permission break a law and giving them my identity and information without my consent. XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Lost job got behind on unsecured loan the year XXXX  at XXXX XXXX XXXX XXXX was promised removal once paid off and negative item still exist on credit report as this is like my XXXX overall attempt to have this negative item remove all the other creditors has removed this negative item off I would like for Experian to please remove,
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureau to do a verification of everything on my credit report. They did, and stated that everything was accurate. I did a thorough research of my own and found improper inaccuracies on the credit reports, even after they did their thorough research. 

In accordance with the Fair Credit Reporting act, the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights. 

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

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

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

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

XXXX and Equifax continues to respond that they have verified and inaccurate bankruptcy on reporting on the file they maintain under my social security number. I have provided proper identification according to FCRA 610 ( a ) ( i ) which is my notarized social security card, passport, and utility bills ( see attached ). 

Therefore I have filed a standardized affidavit of identity theft FTC report ( attached ) in compliance of FCRA 609 ( d ) ( 1 ). I made both companies aware that according to FCRA 609 ( a ) ( 1 ) ( A ) they are required by federal law to verify through physical verification any and all accounts they report on my credit report. Otherwise anyone paying for their report services could fax, mail, or email in fraudulent information. 

The letter from the courthouse both companies listed is attached states that it did not provide either companies with my full social according to section 1681 ( a ) ( 5 ), making this a violation of my privacy laws of the FCRA and identity. 

XXXX XXXX v. XXXX XXXX XXXX court case shows the judge ruled that the court can not just rely on computer generated documentation. Therefore XXXX XXXX verification or 3rd party is noncompliance and unverifiable.
Product: Debt collection

So basically a few years ago, there was a identity theft issue going on when I separated from my wife and I had a credit card that was opened up in my name with XXXX XXXX XXXX and then I called and I disputed it and it was closed but for some reason, theres been a debt collection thats been coming after me And I dont know what to do about it. I did call the debt collection agency also and I let them know that that was a result of identity theft, but still being encouraged me to pay them and I will not pay something in result of identity theft. Please help me.
Product: Credit card or prepaid card

I recently opened my credit card account at Citi and received my card a few days ago. I made my first few purchases, and then, without receiving a notice, my credit card stopped processing transactions. I called Citi 's fraud number, and they first asked me for a phone number other than my current phone number ( which is listed on my account ) that they could send a verification code to. I told them my current phone number is my only number, and then they asked me a series of security questions which I answered accurately. They told me that I would have to wait to receive a letter in the mail, which would take up to 10 days. I asked to speak to a manager, and was told that one would call me back within one hour -- I never received a call. 
I have not been able to use my credit card for transactions, and I have waited a long time on hold with the fraud department, but the issue remains unresolved.
Product: Debt collection

Email from Speedy Cash : SPEEDY SO CASH CREDITOR : SPEEDY CASH CASE NO : XXXX AMOUNT OUTSTANDING : {$890.00} This Legal Proceedings issued on your Docket Number XXXX with one of XXXX XXXX  XXXX Company in order to notify you that after making calls to you on your phone number we were not able to get hold of you. So the accounts department of XXXX XXXX has decided to mark this case as a flat refusal and press legal charges against you. 

We have sent you this warning notification about legal proceedings on XXXX, 2023 but you failed to respond on time now its high time if you failed to respond in next XXXX HOURS we will register this case in court. Consider this as a final warning. And we will be Emailing/ Fax this issue to your current employer to make sure they take strict against you. Your salary and all your wages will be garnished. 

Do revert back if you want to get rid of these legal consequences so make a payment today or else we would be proceeding legally against you. 

And we apologies that this notification will also sent to your current employer. The opportunity to take care of this voluntary is quickly coming to an end. We would hate for you to lose the option of resolving this before it goes to the next step which is a Lawsuit against you, but to do so you must take immediate action. 

You can Email back to get the payment mode too. 
We will be forced to proceed legally against you and once it is processed the creditor has entire rights to inform your employer and your references regarding this issue and the law suit will be the next step which will be amounting to {$7400.00} and will be totally levied upon you and that would be excluding your attorney charges. If you take care of this out of court then we will release the clearance certificate from the court and we will make sure that no one will contact you in future. 

Please let us know what your intention is by today itself so we can hold the case or else we will submit the paper work to your local county sheriff department and you will be served by court summons at your door step. 

WE MAY REPORT INFORMATION ABOUT YOUR ACCOUNT TO CREDIT BUREAUS. LATE PAYMENTS, MISSED PAYMENTS, OR OTHER DEFAULTS ON YOUR ACCOUNT MAY BE REFLECTED IN YOUR CREDIT REPORT. 

TERMS & CONDITIONS YOU AGREED By electronically signing this Loan Agreement by clicking the " I AGREE '' button below, you are confirming that you have agreed to the terms and conditions of the Consent and that you have downloaded or printed a copy of this Consent for your records. 

IF YOU WANT TO RESOLVE THIS CASE OUTSIDE OF COURT THEN CONTACT TO OUR SETTLEMENT DEPARTMENT FOR SETTLE YOUR CASE : mailto : XXXX Sincerely, XXXX XXXX Speedy Cash XXXX, TX XXXX.
Product: Mortgage

On or about XX/XX/XXXX and XX/XX/XXXX I received dunning notices from Bayview Loan Servicing regarding an alleged mortgage loan. On XX/XX/XXXX I sent Bayview Loan Servicing a Notice and Demand To Validate Debt Claim. On or about XX/XX/XXXX I sent a final notice of dispute and notice of pending lawsuit. Bayview Loan Servicing did not validate their claim. Bayview responded by sending me copies of a promissory note and bank statements which did not validate their claim. Bayview is a debt collector who is attempting to collect on a alleged defaulted debt.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX XXXX I made Trans union aware of the misleading and inaccurate collection account alleging a debt in the amount of {$320.00} they are reporting on my credit report. Ive requested Trans union and the collection company to verify I owe such alleged debt, the date of first delinquency and that the debt is indeed valid. 

Ive disputed this account, and it has been well over 30 days for Trans union to investigate the disputed information and they have failed to verify the information. Per the law, 15 USC 1681i 5 ( A ) if the information can not be verified it MUST be deleted from my credit file immediately. 

By the law it is the consumer reporting agencies responsibility when preparing a credit report to assure maximum possible accuracy. Transunion has failed to maintain reasonable procedures and maintain 100 % accuracy in the information their reporting. Per 15 USC 1681e ( b ) Transunion Is in violation of FCRA and if they fail to comply and delete this information from my credit file, they must be held liable per 15 USC 1681n.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX - XXXX XXXX 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: Money transfer, virtual currency, or money service

I'm a fully verified user of www.coinbase.com since 2017. 

On the last XX/XX/XXXX, my account was restricted. I cant use my funds ( buy/sell/deposits/withdrawals ). There wasn't any reason to do it. The only response I got was the same day, coinbase told me that it would be fixed on 2 days. Now, more than 3 weeks later, my account is still restricted and I've not got any new answer to my case. 

It's really frustrating when a company block your funds, without explanation, without a solution, without any reason, for more than 3 weeks and the support saying nothing. 

User : XXXX Case # XXXX
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 furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian`s inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX  -- {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$1000.00} XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX -- {$1100.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX amount {$320.00} acct XXXX conflict not resolved XXXX XXXX XXXX  XX/XX/XXXX amount {$450.00} conflict not resolved jefferson capital system XX/XX/XXXX amount XXXX conflct not resolved XXXXXXXX XXXX XXXX  XX/XX/XXXX amount XXXX conflict not resolved XXXX XXXX XXXXXX/XX/XXXX conflict not resolved XXXX XXXX XXXX XX/XX/XXXX conflict not resolved
Product: Bank account or service

First of all, my mother sold her furniture business overseas and collected XXXX XXXX dollars and deposited the monies in Wells Fargo ( XXXX XXXX at the time ) before she passed 15 years ago. As the years went by, my Father suffered XXXX SINCE of my mothers death. My sister who was once a XXXX ( XXXX XXXX ) over 20 years ago became a " XXXX '' at XXXX today. My father who suffered XXXX in his XXXX was in the hospital and XXXX. As ME being the POA and the Administrator of my fathers estate, my sister before he died a few years back seen the former co-worker aka XXXX XXXX at the XXXX XXXX Wells Fargo to make a fake account in her XXXX sons name and had stolen over {$300000.00} AFTER his death, and over XXXX was taken from the Widow using HER Name, NOT HIS. I 've hired an Attorney to overlook the case WITH the Evidence from a subpeona to Wells Fargo to PROVE Wells Fargo uses FAKE accounts to attach to innocent bank accounts to STEAL funds from the elderly/XXXX. Wells Fargo REFUSES to answer the question on WHY it was done AND XXXX XXXX to whom I scheduled 2 appointments to speak to never showed up to the appointments to EVADE from the FACTS on WHY she did that with my sister. The BOTH knew my parents and MY financial business to STEAL when a Father was in XXXX and used the POA to stel the monies AFTER his death and continued for a year later AFTER his death. My Attorney advised me to communicate with this site to see HOW Wells Fargo is an unfit business to our customers. The sister stolen the savings, checking, AND Investments accounts with an ILLEGAL POA after my Father passed on XXXX XXXX, 2014. She emptied the savings, checking, AND the investment accounts ILLEGALLY per Wells Fargo 's evidence sent to US!!! The other Wells Fargo employee XXXX XXXX Notarized an Illegal Deed for my other sister to obtain the Estate Illegally when Wells Fargo DOES N'T DO Deeds with their Employees!!!! XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I refinanced my loan about a year ago. I made some extra payments in the first month which the company did not apply to principle and I had to call them to fix that.     Somehow this has irravociblely screwed up their computer systems. Every month, I pay my {$5000.00} on the  XXXX  of the month. {$4200.00} is due on the  XXXX . Every month, they charge me a late fee because they think I am paying on the  XXXX  for the previous month. Yet, I have never missed a month since the beginning. I have called 3 times about this and each time they fix it, but the problem restarts the next month.     I am wondering if this is some sort of game they are playing with lots of people 's mortgages. It is very easy for someone to not spot the {$150.00} late fee with big payments like this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, I tried to fix an abusive and incorrect information that Equifax and XXXX  XXXX XXXX is reporting the account ending in XXXX XXXXXXXX as Charge-off. Debt included in or discharged through Bankruptcy Chapter XXXX on XX/XX/XXXX. The limnit was XXXX, and highest balance was {$11000.00}. 
On Equifax I can see that : Balance {$11000.00} Credit Limit {$7500.00} Available Credit $ -XXXX ( How is possible to have negative availability when my dept wast discharged through Bankruptcy Chapter XXXX by Court of Law on XX/XX/XXXX? I never heard about that some/ or an institution to be above Law? 

The Equifax updated my report with the above account on XX/XX/XXXX as Charge-off. In my humble opinion I believe that are they trying to overrule a Federal Law and to reinstall an account that was closed many years ago and included in Bankruptcy. 

My Info Regarding Bankruptcy : US BKPT CT CA XXXX XXXX Bankruptcy chapter XXXX-discharged Original filing date : XX/XX/XXXX Latest status date : XX/XX/XXXX Account Info Reference Number XXXX Court US BKPT CT CA XXXX XXXX  Contact Info of : XXXX  XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Equifax info : XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX I believe the above account was closed back in XXXX-XXXX and for sure the dept was included and discharged through Bankruptcy and any dept was dissolved and approved by Court of Law back on XX/XX/XXXX. By Law I owe {$0.00} to anyone and nothing negative should be reported as negative on my credit report. 

It's impossible that to have bad debt and to be placed for collection and updated on XX/XX/XXXX with a past due amount of {$11000.00} when the amount should be {$0.00}!
Product: Credit card

Synchrony Bank has been lowering the limits on all of my accounts that I have with them without notifying me. I find out about it when I view and pay my bills online. They hurt my credit by lowering my limits. My score drops and then they use the lowered score to drop my limits again. It 's a never ending cycle. It 's an unfair practice and illegal for them not to first notify me that they are lowering my limits. They say they have sent me notices but to this day XXXX/XXXX/2016 I have not received a single one.
Product: Credit reporting or other personal consumer reports

since XX/XX/2022 Credit score Account Removed XXXX XXXX XXXX XXXXXXXX A account removed from your file Between XX/XX/2022 and XX/XX/2022, your account account with XXXX XXXX XXXX XXXXXXXX XXXX was removed from your credit report. 
Since this account is no longer on your credit report, its details won't be factored into your credit score. Accounts can sometimes be removed due to things like disputes and reporting errors.Credit Inquiry Removed A hard inquiry was removed from your file.

I previously notified that I'm a victim of identity theft and requested that you do the following close that unauthorized account remove any charges on the unauthorized account and take steps to remove information about this account from my credit files. I still have not received writing confirmation about this action as I stated before I'm a victim of identity theft and I recently learned that my personal information was used to open an account at your company I did not open or authorize this account. and I requested it it be close immediately please send me a written confirmation that I'm not responsible for charges on this account and take appropriate steps to remove information about this account for my credit files. I have enclosed a copy of my Federal Trade Commission identity theft report because the information you are reporting is the result of identity theft and inaccurate I requested you stop reporting this information to the CRA S as directed by section 623 of the Fair Credit Reporting Act 15 USC and I ask you to take this step as soon as possible I also have a enclose a copy of the Federal Trade Commission notice to the department of Child Support Services which explains your responsibilities when reporting information to the CRA s please start reporting this problem information and investigate this matter and delete any dispute item as soon as possible