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

Capital One locked my account and does not want to give me the reasons why. I called them numerous times without success. They told me they are closing my checking account and still not giving me the reasons why. So, I told them if this can be avoided? But no, they told me I must subpoena myself to know the reason. Anyway, I decided to do closed my savings, and checking under " consumer closed account '' as soon the agent number XXXX ( who is highly aggressive! ) told me " no it is under review '' and I said again " I do not care about the review, I want my accounts to be closed by me. '' She then left for few minutes, and transfer me to a supervisor who said, " your accounts are closed now '' But it is not under consumer decision but the bank Capital One '' I am devasted they ruined my credit report for no reason, no explanation, and did not want to report the consumer closed the accounts. Now, I will not be able to open a new checking account in any bank because Capital One ruined it for nothing! I want you to help me repair these huge errors, and asked Capital One to reverse the name as I was the one who called on XX/XX/2021 from XXXX XXXX  to XXXX XXXX  for nothing! The bank has no right to close my accounts since they have no reason for it. The worse is that it is me who asked it not them! These accounts were open and not closed! What are my options to sue Capital One, and their thief ex-CEO who stole money, and the bank itself ruined customers lives when they feel like it! No business has the right to do this to anyone in the world! I am sure that I am not the only one who suffers from this kind of situation. If anyone did, I want them to email me to file a lawsuit for defamation and tort! XXXX
Product: Debt collection

Not only did the debt collector call my mother, she also contacted my fiancs mother ( not even sure how she got her contact information ) regarding my debt. They both reached out to me regarding the call from XXXX about a debt I owe to XXXX ( Comenity Bank )
Product: Debt collection

Shellpoint illegally tried to sue me for foreclosure by claiming they were servicers for XXXX XXXX. Shellpoint sent their 90 day XXXX which is pertinent to all cases in NY and must be perfected - saying they were servicers for XXXX XXXX and also offered me a mod for XXXX and REPORTED IT TO THE CREDIT BUREAU before I signed it ( I never signed it ) saying that XXXX was the creditor XXXX and again in XXXX - consistently certifying they were servicers for XXXX XXXX well after the lawsuit began and well into XXXX when they apparently switched positions and certified thru CFPB that they were sorry for ever saying this was a XXXX XXXX loan. As a homeowner I am entitled to correct information when requested. In my estimation they have not been honest and I would like CFPB help me to collect XXXX per day since XX/XX/XXXX. I have attached all correspondence sent to Shellpoint in the last few moths and even tho they are still the plaintiff in a case against me, they are now saying they are no longer servicer, owner or interested party. Their latest response was that they legally don't have to respond to me since they are no longer servicers. I would like CFPB to give me a ruling on that since it looks like my rights are being violated and the CFPB is helping to allow that to continue
Product: Money transfer, virtual currency, or money service

I was asked by PayPal to provide paperwork as to why my PayPal was taking in so mush money and i was unable to completely upload all the documentation for PayPal and they go ahead and closed my account before i even had the chance to submit all of the paper work.
Product: Credit reporting or other personal consumer reports

My credit score has dropped by XXXX points because they miscalculated my XXXX balance as having {$260.00} but it was {$0.00}. This happened on XX/XX/XXXX and XXXX ( XXXX and XXXX ), days after I paid it all off. XXXX posts only on the XXXX of each month. I have paid it all off on XX/XX/XXXX. My credit score has dropped due to a miscalculation and XXXX has had a huge history of miscalculating peoples credit scores due to their fault program. They have constantly violated the Fair Credit Reporting Act and have violated my rights. At this point, it is a federal offence as my credit activity is definitely not reflecting my credit score based on XXXX reporting. The same goes for XXXX right now. My XXXX XXXX drop needs to be reversed, otherwise they are committing fraud.
Product: Money transfer, virtual currency, or money service

We sold a boat through a broker, XXXX XXXX out of XXXX, Michigan. 
The proceeds from the sale, {$76000.00}, were wire transferred through XXXX XXXX to our Wells Fargo Bank account on XX/XX/2020, per information received through XXXX XXXX. The deposit in our account has yet to show up as of today, XX/XX/2020. 
We have contacted Wells Fargo several times over the last 10 days and they see nothing on their end. 
We have contacted the XXXX, XXXX XXXX ( XXXX XXXX XXXX ) many more times. He has contacted XXXX XXXX, who handles his account and the wire transfers. They maintain that the wire transfer occurred on XX/XX/2020. 
On XX/XX/2020, XXXX XXXX maintains that they sent a message to Wells Fargo, via the Federal Reserve System, to find out what is going on. We have heard nothing back from anyone. 
Everyone that I have spoken to maintains that a wire transfer should only take 2-3 days. I spoke to wells Fargo this morning and nothing shows up and they can not tell me whether or not a message was sent to them from XXXX XXXX via the Fed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon. This is XXXX XXXX and I filled out some bank information on one of my mortgages regarding the Covid 19 and they papers were received and I was told everything was sufficient. I explained to them that my job is shut down now and I can not pay this mortgage. They said ok. 
Now they put the 30 days late on my credit today, even though I filled I the paperwork in XXXX ... .. Can this please be disputed and taken off? Can you help me with this? Its Northern Trust bank ''
Product: Debt collection

HR Accounts called and left a message saying that I owe them a debt collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are incorrectly reporting me as an Authorized User on the XXXX/XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX. I have contacted the bureaus to remove this item however, I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report.
Product: Student loan

XX/XX/2022 - {$620.00} was directly deposited from my account without my authorization and against Federal COVID relief regulations -called Feloan, explained the situation, and was told they will refund the moment it post XX/XX/2022 -Money was returned by my bank XXXX XX/XX/2022 -Fedloan made a second attempt to take out money and unfortunately, it went through because my paycheck was directly deposited -immediately, called fedloan, explained the situation again, the immediately stated the will provide a refund but never stated how long it will take XXXX XXXXXXXX XXXX -called to check on status of refund status, its pending, talked to customer service rep and was told 2-3 months before money is refunded XX/XX/2022 -spoke to manager and supervisor and was told there was nothing they can do on their end, the request has been sent to the treasury department, they are backed up with other refunds , and it may take a while. 
-was told any overdraft fees I receive, send a letter to fedloan requesting they refund, and to file a complaint on this website. 

I need help with expediating my refund. I have other bills to pay and I cant pay them when my checking account is in a negative
Product: Credit reporting or other personal consumer reports

Experian just closed a complaint from XX/XX/23 but just notified me that they are still working on this one and it was submitted XX/XX/23, ITS THE EXACT SAME ISSUE so that don't compute
Product: Debt collection

This the second time they put me in collections. Illinois XXXX XXXX XXXX XXXX was taking money out my account every month, therefore they should not have put me in collections!! Im still receiving funds from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter on XX/XX/2021 regarding unknown and inaccurate information on my credit report. As of this date ( XX/XX/2021 ), which is more than 60 days later, I still have not received any response. I am under the impression my disputes, my claims, as well as myself are being disregarded and dismissed. Section 611 ( a ) plainly states that a failure to investigate these disputes within 30 days gives reason to remove those items from my credit report immediately. These items should be removed at once since it has been over 60 days. I demand these accounts be deleted immediately or I will file for litigation due to the unjust stress that it has caused me. Furthermore, my personal information was impacted by the Equifax data breach whichmay have gotten into the hands of unauthorized individuals.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX Balance Owed : {$140000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$840.00} XXXX XXXX XXXX Balance Owed : {$7100.00} XXXX XXXX XXXX Balance Owed : {$7500.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$140000.00} XXXX XXXX Balance Owed : {$0.00} DPT EDXXXXXXXX XXXX Balance Owed : {$7500.00} XXXX XXXX XXXX Balance Owed : {$840.00} XXXX XXXX XXXX Balance Owed : {$7100.00}.
Product: Credit card or prepaid card

Called Wells Fargo about interest rate on the visa personal credit card. They said can not negotiate interest rate. It is based on what you agreed to at time of application for card. I have had card for 20 years or more. I requested copies of all documents I signed regarding this card by letter on XX/XX/2021. On XXXX XXXX I received a form regarding the terms of my credit card account. I have not received the documents I requested. I believe they do not have anything signed by me and do not have the authority to charge any interest. My initial application was with a bank Wells Fargo bought. I never received anything about applying for a Wells Fargo credit card. Just received one in mail after they bought out my bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2021 I have been disputing inaccurate information on my credit report. I have not received a response in writing or by phone regarding inaccurate information that is being reported.
Product: Debt collection

XXXX Original creditor : company sold me to a bill JEFFERSON CAPITAL SYST collector without my consent or my approval for the more the late payments of limitations up and the third-party collector keep stalking me
Product: Money transfer, virtual currency, or money service

From XX/XX/XXXX of XXXX XX/XX/year> Ive always had problems with other companies taking money from me unexpectedly and for no apparent reason. Ive had to made new accounts due to this problem but still they took.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to a trade school in XX/XX/XXXX the school was called XXXX XXXX XXXX  XXXX in XXXX XXXX CA, got shut down while I was taking my course and the school closed due to fraud, I already submitted a paper work to Navient stating the school was shut down. I have been in differed status with my student loans since XX/XX/XXXX and in XX/XX/XXXX for some reason the student loan reported on my credit file as late in XXXX and XXXX of XX/XX/XXXX. That is hurting my credit score the department of education from XXXX stated they were going to remove the late payment history to show as current and they still have not done anything.
Product: Debt collection

Back in 2003 I, XXXX, was the victim of Identity Theft. I filed a police report. I learned that XXXX bought a debt from CITIBANK, and placed a lien on property. 

I ask that you help me get the judgment lien released. Its XXXX County Cause number XXXX, judgement lien number XXXX. I read on the FTC 's site about a lawsuit invovling XXXX, but have not been able to get a meaningful response from XXXX.
Product: Credit card

I am in the process of applying for a mortgage and a comment on my Citi Credit card states, " SUBSCRIBER REPORTS DISPUTE RESOLVED - CONSUMER DISAGREES ; CONSUMER DISPUTES AFTER RESOLUTION ''. After speaking with Citi, they have no disputes on record nor do they have any idea what this is in reference to. Since I am applying for an FHA, this is holding up my approval process. I have submitted this request to Citi via fax as well, and they stated it will take 30 days to look into this. Since I already put the offer in on my home, which was accepted, I do not have 30 days for resolution.
Product: Credit reporting or other personal consumer reports

In XXXX I opened a XXXXXXXX XXXX XXXX And XXXX i defaulted on that credit card. The three major credit bureaus conveniently do not show any historical data from XXXX or XXXX. This account should have been removed from my credit report already. I have repeatedly asked for that information and no investigation has happened.
Product: Credit reporting or other personal consumer reports

It appears to be an account listed on my consumer report that does not belong to me. This account was added to my consumer report without my knowledge or validation from both the bureau ( EQUIFAX ) ( XXXX ) and the creditor ( XXXX XXXX XXXX ).
Product: Credit reporting or other personal consumer reports

I contacted Experian Ive sent over ten letters explaining these accounts arent mines and they keep giving me the run around. 

XXXX XXXX {$5400.00} XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX {$1800.00} XXXX XXXX. XXXX. {$1700.00} XXXX XXXX. XXXX {$240.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

While Attending XXXX XXXX XXXX  back in XX/XX/XXXX XXXX I was using what's called a G.I. Bill from the military to go to school. All of sudden the G.I. Bill stopped paying and never closed outstanding student loans.
Product: Mortgage

In XXXX of XXXX I refinanced my mortgage via XXXX XXXX XXXX  - who then sold the servicing to BSI Financial in XX/XX/XXXX. During this month my homeowner hazard insurance and XXXX property taxes were due. The Escrow account was transferred to BSI but no payments made. I was told that they fell through the cracks during the transfer from XXXX XXXX. 
( * ) XX/XX/XXXX - I called BSI financial and told them that my insurance and property taxes were not paid. They told me to send them info for the county taxes and insurance company to their customer service email address : XXXX I sent them emails with attachments for the annual premium and property tax. 
( * ) I called and resent the email with attachments 10 days later. 
( * ) I paid the insurance with my credit card so as to avoid not having coverage. 
( * ) I call on average every two weeks to check on status - each time there is no status. 
( * ) XX/XX/XXXX BSI sent payment for insurance and 2 weeks later my insurance company re-imbursed me ( * ) XX/XX/XXXX - I called two times about property taxes not being paid and I was reassured that any penalties or interest would not come out of my escrow - being told it was being escalated - now 5 months delinquent and XXXX taxes due in XX/XX/XXXX. 
( * ) my last call with BSI financial customer service I my call was dropped as the rep was researching why they did not pay out of escrow - which continues to accrue funds.
Product: Debt collection

Have received 6 phone calls during the period of XXXX - XX/XX/14, per day. this is in addition to 3 emails. Totaling 243 impressions to my personal phone and email. 

Halsted claims that they bought an account from XXXX XXXX XXXX, but there is no history or information validating such.

Halsted has refused to verify the debt or information from XXXX XXXX XXXX and I can only assume that this is in error. 

Given this must have been given in errror, recommend halsted remove account and cease contact.
Product: Debt collection

Phone call to XXXX and XXXX to inform them that this debt owed to Capital One Bank USA was included in my bankruptcy on XXXX 2014. It 's noted on my credit file with XXXX but not recorded with XXXX or XXXX. Asked them to follow suit with no resolution as it is being reported on both as charged off or delinquent. Then after that call it showing as updated and a new hard inquiry which is putting a negative mark on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the attached letter to me from Bank of America, dated XX/XX/XXXX, XXXX XXXX of Bank of America states that they will turn two hard inquiries into soft inquiries on my credit files : one hard inquiry on XX/XX/XXXX, and the other on XX/XX/XXXX, XXXXBank of America knowingly committed deceptive, abusive and unfair marketing practices through their website 's online tool to allow pre-approval checks for their credit card offers. As a result of my complaint against this, Bank of America and XXXX XXXX took minimal responsibility for their actions by agreeing to make these hard inquiries into soft inquiries. As of the date of this CFPB complaint, these hard inquiries remain on my credit files as hard inquiries ; they have not been turned into soft inquiries as agreed to in their written correspondence ; and they are causing a derogatory and intentionally harmful impact to my credit -- directly as a result of XXXX XXXX and Bank of America 's failure to do as agreed in their attached correspondence. I have waited far longer than the 90 days than Bank of America said it would take to complete this transaction. Bank of America has now, intentionally and deliberately defaulted on their agreement as outlined in the attached letter from XXXX XXXX. Bank of America has caused me financial harm and damaged my credit report by not following through on their written obligations and promises to me to turn the hard inquiries into soft inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXXXXXX account # XXXX, XXXX XXXX account # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX  account # XXXX, XXXX account # XXXX, XXXXt account # XXXX XXXX XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXXXXXX XXXX account # XXXX, XXXX XXXX account XXXX XXXX XXXX XXXX XXXX  account # XXXX, XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXXXXXX XXXX XXXX account # 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
Product: Credit reporting or other personal consumer reports

Notice of Violations under FDCRA and FCRA Dear XXXX XXXX XXXX XXXX, I am writing to bring to your attention significant concerns regarding your practices, which appear to be in violation of the Fair Debt Collection Practices Act ( FDCRA ) and the Fair Credit Reporting Act ( FCRA ). The specific violations are supported by the following statutory references : 1. FDCRA Violations : 15 U.S.C 1692, Communications in connection with debt collection. 12 CFR 1006.30 ( a ) and ( b ), Other prohibited practices. 2. FCRA Violations : 15 U.S.C 1681 ( a ), Accuracy and fairness of credit reporting. 12 CFR 1006.6, Communications in connection with debt collection. Contacted XX/XX/ at XXXX EST and XX/XX/ at XXXX 12 CFR 1006.30 ( a ), Required actions prior to furnishing information. 12 CFR 1006.30 ( b ), Prohibition on the sale, transfer, or placement for collection of certain debts. 12 CFR 1006.26, Collection of time-barred debts. 12 CFR 1006.34, Notice for validation of debts. The Congress, in its findings under 15 U.S.C 1681 ( a ), emphasizes the importance of fair and accurate credit reporting for the efficiency of the banking system. It is crucial that consumer reporting agencies exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy, as stated in the legislative findings. The specific practices that raise concerns include, but are not limited to : Furnishing Information Without Prior Communication ( 12 CFR 1006.30 ( a ) ) : It has come to our attention that [ Debt Collector ] furnished information to consumer reporting agencies without engaging in prior communication with the affected consumers, as outlined in 12 CFR 1006.30 ( a ). Improper Debt Placement ( 12 CFR 1006.30 ( b ) ) : There is evidence suggesting that [ Debt Collector ] has engaged in the sale, transfer, or placement for collection of debts that have been paid, settled, or discharged in bankruptcy, violating 12 CFR 1006.30 ( b ). Time-Barred Debt Collection ( 12 CFR 1006.26 ) : [ Debt Collector ] has been observed attempting to collect time-barred debts and issuing threats of legal actions against consumers for such debts, which contradicts 12 CFR 1006.26. Inadequate Validation Notice Practices ( 12 CFR 1006.34 ) : Our investigation indicates that [ Debt Collector ] has not adhered to proper validation notice practices, as required by 12 CFR 1006.34, thereby jeopardizing consumer rights. I urge XXXX XXXX XXXX XXXX to review and rectify these practices immediately to ensure compliance with the FDCRA and FCRA. Failure to do so may result in further action. I request removal of alleged debt.
Product: Student loan

Ive been trying to make payments since XXXX. I made 2 small payments and it was reversed twice. I dont like being delinquent in my payments. Im also paying on private loans as well its a lot to deal with and not being able to at least pay something to my Edfinancial loan is frustrating me. I signed up for the income driven repayment plan and Ive yet to repay anything because of this issue. Its already a burden paying {$1300.00} on my private loan, I really dont need these problems with my federal loans. Getting in touch with someone is like climbing a slippery mountain and it should NEVER be that way. Its a crime to offer repayment plans then charge interest on something someone is trying to pay but you continuously reject. Do better Edfinancial.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified the credit agencies about the following errors and disputes : XXXX is reporting my name as XXXX when my last name is XXXX XXXX  is reporting incorrect address information : XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX  XXXX  XXXX, XXXX XXXX, GA XXXX XXXX   is reporting incorrect address information : XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX Equifax is reporting incorrect address information : XXXX XXXX   XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX Equifax, XXXX, and XXXX is reporting inaccurate late reportings from XXXX - XX/XX/XXXX for XXXX XXXX Equifax, XXXX, and XXXX  is reporting inaccurate 30 days late reportings in XX/XX/XXXX for XXXX XXXX XXXX XXXX Equifax, XXXX, and XXXX is reporting inaccurate 30 and 60 days late reportings in XXXX - XX/XX/XXXX for XXXX.