23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I have had an account at Capital One 360 account. The bank recently changed their log-in process so that though I knew my user id and password that was not sufficient. I was required to request a verification code that was to be sent to my email address on file. I tried this 3 different times but never received the verification code. At that point I called customer service to gain access to my account ( a federally insured savings account ). After 5 minutes on hold my call was answered and I was told that this was a two week old process and that it was having technically issues and that they were unsure when it would be resolved. Apparently the verification code emails were being processed by many email servers a spam and taking hours to be delivered even though the code is only good for 10 minutes. This basically amounted to denying me access to my account, they had no provision for texting a verification code to my mobile phone. The only option was to provide them a different email through a different email provider such as gmail, yahoo, etc. 
otherwise I had no access to my accounts or funds until they fix this problem. No institution serving as a bank should be able to basically deny access to individual accounts due to the bank changing procedures not vetted or tested to assure customer access to the consumer 's accounts.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

This is a personal Loan through Wells Fargo. Made a payment XXXX on XXXX/XXXX/XXXX and it appears to have been applied by looking at the statement from XXXX/XXXX/XXXX, but that same statement says that I owe XXXX. The original payment is XXXX, but I always pay a little more. This same statement has another payment of XXXX which I did not make. I started the calling process as stated below : XXXX Spoke with  XXXX and was told that part of the office was closed. 
XXXX I call back and spoke with XXXX who said the money was refunded to my bank. That is not true because I have reviewed all of my statements and called my bank to make sure that that I did not miss seeing the refund. She stated she was going to initiate a form for research. Once completed she would call back and would leave a message if she could not reach me. I have not heard back to date. 
XXXX Spoke with XXXX who said she would look into my account and get back with me- I heard nothing to date. 
XXXX Spoke with XXXX who told me that the payment was not received so it shows XXXX outstanding. She did some checking and mentioned that it was refunded back to my checking account with Wells Fargo. 
That account was closed and has been closed for some time because I never used it. When I get online I can not see the account either. 

Every time when speaking to a representative I state that I made a payment and continue making my payments, but they are not being applied correctly. When I spoke with XXXX, I told her I sent a payment from my bank on XXXX/XXXX/XXXX, but she did not see that it had been made. Wells Fargo continues to charge me late fees despite me making the correct payment on XXXX/XXXX/XXXX. 

I want your help in correcting this problem.
Product: Debt collection

XXXX XXXX report and collection XXXX XXXX amount on my XXXX Credit report i never received and bill from XXXX XXXX verifying i has and outstanding cable bill. 
For the amount of {$400.00} dollars When i has cancel cable in XXXX and service was cancel in closed account. 
Inwhich i never received notice from the creditor charter verifying i owe and outstanding cable charges on and close account.
Product: Money transfer, virtual currency, or money service

Nature of the dispute -- -- -- -- -- -- -- -- -- -- - I had 2 accounts in Bank of America - Checking Account and Savings Account. As I have been staying outside USA for more than 5 years now, I called up the Bank of America from XXXX and requested to close these accounts ( attached is the email confirming closure of these accounts from Bank Of America ). On call, they had stated that, they will mail me the cashier cheques to the address they have on their file ( Address in XXXX ). However, even after multiple follow ups and more than 8 months, I still did not receive the cashier cheques. 

Date of the Transaction -- -- -- -- -- -- -- -- -- -- -- - Date on which account was closed - XX/XX/2023 ( as per the email I received ) Amount of money I deposited in my accounts and Bank of America promised to send me -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Amount which was in my Checking account - ( when being closed )- {$1500.00} Amount which was in my Savings account - ( when being closed )- {$500.00} What the Business committed to provide me -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Cashier cheques worth the money noted above for both the accounts. 

Whether or not business has tried to resolve the problem -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I had contacted the Bank multiple times to follow up on the issual of cashier cheques- XX/XX/2023 ( raised service request tkt # - XXXX ), XX/XX/2023 ( Raised CASE ID XXXX ), XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023. Each time the call is made, even though it appears that they are trying to resolve the issue, the cachier cheques never reached me. 

Each time I made the follow up call, they told me they are cancelling my already issued cheques and re-issuing again. It will reach me after XXXX business days since its foreign address ( address in XXXX ). This number of days ( XXXX ) or ( XXXX ) changes depending on the person I get to speak with. 

As of the latest calls made on XX/XX/XXXX and XX/XX/XXXX, bank has not been responding after listening to my details over call. I have been kept on hold for abuot XXXX minutes without any acknowledgement or response from the other end post which I had to drop the call myself. 

Account\Order\Tracking Number -- -- -- -- -- -- -- -- -- -- -- -- -- -- - They never shared any tracking number with me as they told cheques would be sent via XXXX.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : Incorrect Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Early this month I noticed several discrepancies and an accurate dates and items on my credit bureau. I filed disputes with XXXX, XXXX XXXX and XXXX and the process of my investigation. They have been investigating and adjusting dates and changing notation that is moving my credit up and down I have asked for validation of debt I have asked for a list of how they properly investigated the process. They have not sent me any letters nor have they discussed how they came to conclusion that the debt is accurate. I feel like my rights are being violated. 1681I section 5 also FCRA SECTION 605B It is illegal to report anything without my permission. I want this account deleted
Product: Mortgage

Loan was payed in full XX/XX/27 I have not received my Escrow Balance as of XXXX, despite them supposedly sending it. Since I am required to send things certified, they should have sent my escrow refund certified or as a cashiers check.
Product: Debt collection

I sent this company ( ENHANCE RECOVERY CO L ) a validation of debt letter to them and have not be responded to yet which was sent on XXXX XXXX they are sending me calls & mail about this {$1300.00} debt their trying to collect that I have knw knowledge about
Product: Vehicle loan or lease

Honda Financial Services refuses to furnish me with the proof that the wear and tear fees were billed and I had 30 days from XX/XX/2011 to make a payment in the amount of XXXX Honda Financial Services states that these are end of lease term fees. These were fees created after agreed upon 36 month lease was complete and car surrendered. I'm the consumer requesting proof of new agreement terms that will reflect when the payment of XXXX is deemed due and deemed late. 3 request have been made and I only received payment was payed 60 days late on my credit report.
Product: Debt collection

On XX/XX/XXXX I was contacted by XXXX XXXX who identified himself as a team member for IQ Data. He said he was contacting me about a debt owed to my previous apt complex. During the call he stated to me that IQ Data would be charging me 12 % APR daily until I paid the amount. I attempted to explain it was a disputed amount and he then said he would not discuss the validity of the amount and that he would just send me to collections and ruin my credit. Both statements are in direct violation of both Federal and State law. 

Additionally, on XX/XX/XXXX I advised them not to contact me except to verify the date and that I am not to be contacted except during evening hours, I received another call from IQ Data on XX/XX/XXXX during the hours ( XXXX ) that I asked them not to call me, nor during the call would he discuss providing verification of the debt. After advising the rep of the time to call I was again called by IQ data XX/XX/XXXX after XXXX and before XXXX. 

Furthermore, I have never received a written statement from IQ Data detailing the debt or any of the other statutorily required written notifications. I pointed this out to XXXX during my XX/XX/XXXX call and he said they don't have to send anything in writing since the original debtor sent a bill. This too is in violation of Federal and State law that require written notification of a debt, not a phone call. Per the Fair Debt Collection Practices Act if I, the consumer, notify them that the debt is disputed they are to cease communications for 30 days and perform a re-investigation of the debt. After notifying them on XX/XX/XXXX of the dispute over the debt they continued to call I notified them on each subsequent call ( XX/XX/XXXX and XX/XX/XXXX ) that the amount was in dispute. 

I was forced to send a notice to IQ Data, and their Registered Agent, notifying them of the dispute and that they were in violation of Federal and State Law.
Product: Credit reporting or other personal consumer reports

After several attempts with the credit reporting agencies, I keep getting responses saying they were unable to verify me. I have included copies of my personal documents several times. I do not understand how I was unable to be identified. After several attempts to have my report updated I am still at a stand still.
Product: Checking or savings account

I have a bank with Citi bank and its been nothing but XXXX. First, they have an unlock and lock option, so everytime I make a purchase Ill wait for it to go through, and lock my card so that no other merchant takes it. On Thursday XX/XX/year> my account went into XXXX because they said the card locked feature did not work and I was charged twice on accident by the same 3 mechants. They said it would take 7 business days for it to fall off. I think thats so irresponsible. After that, my card remained locked and A OTHER MERCHANT was still able to take {$30.00} out of my account, I called and made a dispute but that did nothing being as they already made my account $ XXXX. This morning I wake up to see if my direct deposit has hit, I get paid every Tuesday by unemployment so theyre always on time and it is no longer a holiday, I log in and they are no longer giving me access to log in, theyre saying I need a verification code but the kicker is I havent received my direct deposit so I am unable to pay my phone bill hence receiving their code, I told them all of this and begged for help told them I needed all of my money and my account back to regular and they do not care. They said my only option now is to go to a bank physically but there is nothing near me like literally just ATMS. I feel so terrible entrusting this bank with my funds and my money, its a terrible feeling I wouldnt wish on anyone I dont know what to do I am my only support system and today is actually my birthday so happy birthday to me : )
Product: Credit reporting or other personal consumer reports

After going through my credit report, I noticed errors in billing. The late payments listed are not reflective of my actual payment history. Kindly resolve these issues and update my account information.
Product: Debt collection

In XX/XX/2019 I submitted a complaint ( # XXXX-XXXX  ) about a debt that was listed on my credit report that a debt collector refused to remove - although the case was dropped in the XXXX XXXX XXXX Court ( see attachment ). The company agree to remove the debt and it's since been removed from my credit report as an outstanding debt. Previous dispute response from Financial Management Services : " The records confirm that the suit was dismissed in court by consent, however, there remains an outstanding balance in the amount of XXXX. In the event that the consumer has documentation showing that the balance is paid as stated in the complaint, she should provide that information to this office. In light of the court dismissal, this office will agree to remove the debt from the consumer reporting agencies, but the account will remain open. '' However its still listed on my consumer report and my tenant screening report - when I attempt to rent. I have not been able to get approved for a place to live due to this information remaining.
Product: Credit card or prepaid card

I want this late payment deleted from my account within XXXX  days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX Subject : Formal Complaint Regarding Credit Bureau 's Failure to Conduct Reinvestigation for Account with XXXX XXXX XXXX XXXX  ] Dear Sir/Madam, I am writing to formally complain about a serious issue concerning the reinvestigation process on my credit report, as required by the regulations outlined in 15 USC 1666 ( b ) and 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ). The credit bureau has not removed a late payment from my account with [ XXXX  XXXX XXXX ] despite my efforts to correct this inaccurate information. 

I recently disputed the presence of a late payment on my [ XXXX  XXXX XXXX ] account, which has negatively impacted my credit history. Under the Fair Credit Reporting Act, I have the right to an accurate and fair credit report. After my dispute, the credit bureau was required to conduct a reinvestigation to ensure that any inaccuracies were promptly corrected. 

However, despite this legal obligation, the credit bureau has failed to properly reinvestigate and correct the erroneous information on my credit report. This negligence has harmed my credit score and jeopardized my financial well-being. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter urgently and ensure that the credit bureau complies with the relevant regulations. I am seeking immediate action to rectify this error and restore the accuracy of my credit report. 

Attached to this letter are supporting documents relevant to my case, including copies of correspondence with the credit bureau and XXXX XXXX  XXXX XXXX ]. I appreciate your prompt attention to this matter and look forward to a swift resolution. 

Thank you for your prompt assistance. 

Sincerely, Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX : XX/XX/XXXX SSN : XXXX
Product: Debt collection

Collection debt for XXXX XXXX is reappearing again. It was discharged last year after working on it for 6 months. Now a year later it is with a new debt collector. This was discharged by XXXX XXXX.
Product: Payday loan, title loan, or personal loan

On XX/XX/2018 I was contacted by the company to take out a loan for {$15000.00}. The terms was for 36 months at {$440.00} / month on the XXXX direct withdrawal from my account. I start noticing the amount was more and they were taking it out different days of the month. I recheck the loan agreement XX/XX/XXXX which downloaded in their app and it was for a different amount to be taken every 28 days for {$470.00} for 52 months. When I contacted the company about the fraudulent loan that my name had been attached I was told they would do an investigation. I received emails confirming that it was not right it was supposedly a human error. I repeatedly asked for the original loan but they could not give it to me and wanted me to agree to a new agreement and with supposed original terms. I refused because I knew that they couldn't produce the original loan agreement with my signature. They kept badgering me about making payments on a fraudulent loan they claim they did an investigation which I received there was an error on the company 's part however it was very clear that company intended to fraud me out of thousands of dollars. I found out this is has been to many other people. THE inconsistencies caused insufficient funds in my account because my due date went from the XXXX to the XXXX of the month for more money and a longer-term. Each month a different day. I have emails confirming that they want to try to re-establish the loan with original agreement but can not produce the original with my name sign to it. So basically the company gave me the original terms then went back and change the terms to get more money out of me actually over {$9000.00} start importing my signature to a loan I never agreed to which is not only a civil violation but a criminal act
Product: Credit reporting

In regards to Experian, I disputed unauthorized hard inquiries that was sent via Certified Mail and Return Receipt on XX/XX/2016. On XX/XX/2016, the letter was delivered and signed for but to date, no response from Experian.
Product: Credit card

The account is invalid. CONSUMER ADJUSTMENT COMPANY INC. needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. CONSUMER ADJUSTMENT CO XXXX
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with XXXX XXXX, I do not have a contract with Jefferson Capital Systems, they did not provide me with the original with the original contract as I requested. I did not sign nor validate with signature any binding contract with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and updated for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I am following a complaint against block inc For lack of customer service to give me a live representative to help me with any of my fraud protection no one to talk to live no one 800 number to talk to anyone
Product: Debt collection

I am writing to bring to your immediate attention a matter of utmost urgency concerning my credit report. After a recent review, I have discovered that my credit file contains inaccurate and fraudulent information related to identity theft. I demand that you take immediate action to rectify this situation, as the damage to my financial well-being and personal integrity is intolerable. I was the victim & Im not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests.

The fraudulent accounts and transactions listed on my credit report are as follows : XXXX  XXXX XXXX XXXX - XXXX  have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

XXXX  XXXX XXXX XXXX - XXXX  have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

XXXX XXXX  XXXX - XXXX  have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

I am well aware of my rights under the Fair Credit Reporting Act ( FCRA ), and I expect you to adhere to the law by conducting a thorough and immediate investigation into this matter. I demand that you delete all fraudulent entries from my credit report without further delay. 

Failure to comply with this demand within [ 30 days ] will leave me with no choice but to pursue legal action against XXXX for violating the FCRA and causing me significant harm. I am prepared to take whatever measures are necessary to protect my rights and restore my creditworthiness. 

I expect your prompt attention to this matter and anticipate that you will take immediate action to investigate and correct the inaccuracies on my credit report. Please provide written confirmation of the removal of the fraudulent information within [ 15 days ] from the date of this letter.