23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX Date of Birth : XX/XX/XXXX SSN : XXXX Equifax Information Services, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dear Equifax, I received a copy of my credit report and am writing to dispute the following information that appears on my Equifax report XXXX 

Please verify or remove immediately the following accounts : XXXX XXXX XXXX XXXX xxxxxxxxxxxxx XXXX I dont remember ever being late with a payment on this account. 
Please provide statements and records of all payments made and missed since I opened this account. 

The following inquiries are unauthorized or inaccurate, and I ask that you delete them : Inquiry from XXXX XXXXXXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

My original complaint. 

I paid XXXX XXXX XXXXXXXX on XX/XX/XXXX for a XXXX XXXX XXXX I never received the system. I couldnt get response from vender.so I called to dispute the charges on XX/XX/XXXX. Capital 1 gave me a dispute credit of the XXXX on XX/XX/XXXX. I provided all information and was told if they needed something they emailI heard nothing. On XX/XX/XXXX XXXX reversed the XXXX dollars causing my account to go XXXX and car payment bounce. I was never notified of dispute denied. I called immediately on Monday XX/XX/XXXX and talked on a recorded line to a gentleman whom told me hed reopen the dispute and assured me theyd redeposit the money in XXXX days. I called back on XXXX XXXXXX/XX/XXXX and was told the gentleman was mistaken no refund was happening. My car payment thus bounced. They told me Id get proof of reason for decision on XXXX business days. Now the major confusion and what I believe hiding of their mistake and breaking of the law. I called XXXX XXXXXX/XX/XXXX and was told to call back XXXX XXXXXX/XX/XXXX. I did they said it could take rest of the day call back XX/XX/XXXX. I did. I was then told it was emailed to me on XXXX XXXXXX/XX/XXXX. I have received no emails from them since XX/XX/XXXX. I have received no hard copy mail or phone calls. They now said on XXXX XXXXXX/XX/XXXX that they resend to email Id get in XXXX days. I requested hard copies to be sent to my address with poof of delivery. They said itd be XXXX business days. Its been XXXX weeks Ive been asking for proof of reversal. They say oh its the other part and they cant talk to customers well re request. I want to see what vender sent them. They with provide. Thank you XXXX XXXX Capital one replied that XXXX XXXX  refunded me the money via XXXX. They did not I asked both vendor and capital one to provide the proof in writing. Capital one keeps saying theve emailed me and mailed a hard copy to me. Ive received nothing from capital 1 since XX/XX/XXXX Capital one is not cooperating if they have proof Ill deal with XXXX. But they are refusing to even tell me why money was taken from me. The only way I know is from your letter to me. Id like the written proof of the money was refunded to me. Then Ill deal with XXXX. But XXXX Ive never received and XXXX no one has ever shown me any proof. Everything has just been verbal.if capital one has proof from vendor I received it XXXX said shoe it to them. If it went to a wrong account theyll fix it. But I cant get proof. 

Thank you
Product: Credit reporting or other personal consumer reports

I have identified items on my report that are a result of identity theft. These items are not related to any transactions completed by me. The items are as follows : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX. I am requesting the immediate removal and/or blockage of all listed items. Each of these companies listing these transactions have already violated my right to be notified of the debt and my right to dispute the debt by just attaching themselves to my credit profile.
Product: Credit card or prepaid card

The credit card issuer is : CapitalOne XXXX : Improper Application of my payments applied to purchases vs cash advance in accordance to the cardholder 's agreement. It was explained by customer service that if you have purchases and cash advances, the minimum amount due is applied to the principal and interest for purchases first, if you have a cash advance outstanding, the rest of the payment ( s ) received in the billing period are applied to the cash advance balance ( that includes interest and fees ). This process was not followed. All payments were applied to purchases even after the minimum amount due requirement was satisfied. 
With the Cash advance outstanding not receiving any payment, the cash advance fee continued to go up because no payments were applied, causing me to be charged higher and higher cash advance fees. 
These sequence of events happened from XX/XX/2018 to the most recent XX/XX/2018 statement. 

I am seeking that CapitalOne goes back and apply the payments correctly and refund any fees mis-calculated and applied to my credit card account. 

To stop this unlawful activity, I am looking to transfer my CapitalOne account balance to another provider. I would like to close this mess out first before I transfer. 

I was also told that there is no escalation path for these issues. 
The last customer service leader we spoke to was XXXX before that XXXX. XXXX indicated she was as high a customer could go to resolve this issue and the Back office at CapitalONe that could fix this would not respond to my problem stated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself. These items are reporting late, yet it is closed and the balance is zero as reported in Equifax. Lets correct this immediately. Equifax is required to verify for themselves, but they failed to neither verify nor update me about this complaint. 

( XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX )
Product: Debt collection

I stated several times I never received statements from this company regarding balances and ending balances that were owed. They remove and add to my credit report as if it is new debt but it is not. This debt is almost over XXXX XXXX XXXX. They never provided me with what was needed after calling them in the past. They then again placed the collections again and again on my report and continue to go back and forth as if it is new and its not.
Product: Credit card or prepaid card

I received a statement from American Express for my credit card showing a balance of {$510.00} with a closing date of XX/XX/21. A payment for {$380.00} was processed on XX/XX/21. In addition, I redeemed an rewards balance of {$120.00} on XX/XX/21. 

I received an e-mail from American Express on XX/XX/21 showing a balance of {$510.00} with a payment due XX/XX/21 and a minimum payment of XXXX. 

I logged into my American Express online account to verify that the payment and redemption had processed. The online balance showed a negative {$.00} for the account balance. 

I contacted customer service online. Two different representative insisted that I had to pay the {$120.00} because that was the statement balance after the payment. I was told that I would incur a finance charge and late fee if I didn't make the payment by XX/XX/21. 

I was also told that the rewards would process with the next statement and they would refund the payment. 

At no time was I given a reason as to why I should have to make a payment on an account with a negative balance. 

I believe that being forced to make a payment or penalized for not making a payment when the account is XXXX is a regulatory violation. I also believe that this is a result of a poorly designed process or system that allows American Express to collect customer money when it isn't due.
Product: Checking or savings account

On XX/XX/XXXX, I deposited an amount of {$7300.00} at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX drive through ATM. However, when I received the receipt, it showed no amount on it, and it instructed me to contact electronic claims for further assistance. The receipt had the code " XXXX '' printed on it. 

I immediately contacted electronic claims, but they informed me that they were unable to return the items deposited. Instead, they credited only {$3500.00} back to my account, claiming that they found an excess of {$3500.00} in the ATM. 

I am reaching out to you for urgent assistance in resolving this matter. I kindly request a thorough investigation into the discrepancy and a prompt resolution to ensure that the remaining {$3800.00} is credited back to my account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX : XXXX ( XXXX ) XXXX : XXXX Experian XXXX XXXX XXXX, TX XXXX Subject : Request for Verification and Validation of Collection under 15 U.S.C. 1692g To whom it may concern : I am writing to formally dispute a collection that appears on my credit report managed by Experian. Upon my review, I believe this collection may not meet the validity and verification requirements established under 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ).

Pursuant to the aforementioned law, I formally request that : I am provided with written verification that this debt is valid, including details such as the original amount, the original creditor, and documentation proving my legal responsibility for this debt. 

The debt is validated to ensure that the reported information is complete and accurate. 

If this collection can not be validated, it is immediately removed from my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). 

Attached to this letter, you will find a copy of my government-issued identification and a proof of address to facilitate the investigation process. Please inform me in writing of the results of your investigation and any actions taken within the timeframe established by law. 

I hope this matter will be resolved fairly and in compliance with applicable federal laws. I appreciate your attention and look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX Applicable Law : 15 U.S.C. 1692g ( Debt Validation ) This section stipulates that within five days of the initial contact with the consumer, the collector must provide a written notice including : The total amount of the debt. 

The name of the original creditor. 

A statement indicating that the consumer has 30 days to dispute the validity of the debt. 

If the consumer disputes the debt, the collector must provide written verification. 

If the debt is not properly validated, it can not be legally reported or collected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from XXXX for an application i did not initiate for credit. This prompted me to check my credit upon doing so I discovered an inquiry from Comenity for a XXXX credit card. I called on XX/XX/XXXX and spoke to XXXX she refused to help. Today XX/XX/XXXX I received a letter from Comenity see attached, again i call and tell them this fraud they refuse to help me. They want me to confirm my social and date of birth when these are clearly the missing pieces and if i provide this will complete the fraud. They refuse to help even though i am giving them app number off if their letter and am telling them its fraud. I did not initiate this app please cancel and withdraw inquiry from credit bureaus. What does someone have to do to get a bank to listen that an application is fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
My credit report includes the erroneous information that needs to be investigated and correct : NR/XXXX XXXX Date Opened XXXX XX/XX/15 Balance : {$270000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

HELLO MY IDENTITY WAS STOLEN, AND USED TO OPEN FRAUDULENT ACCOUNTS IN MY NAME, ALTHOUGH THE FRAUDULENT ACCOUNTS WERE REMOVED, THE FRAUDULENT INQUIRES STILL REMAIN, XXXX, XXXX/XXXX, US BUS ADMIN ODA, XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XX/XX/2024 Consumer Financial Protection Bureau Subject : Dispute of Debt Collection Violations and Request for Validation Dear Sir/Madam, I am writing to formally dispute the actions of JJ Marshall & Associates , Inc. regarding an alleged debt they claim I owe. It has come to my attention that JJ Marshall & Associates , Inc. has violated several of my rights as a consumer, as outlined in the Fair Debt Collection Practices Act ( FDCPA ) and the Consumer Financial Protection Bureau ( CFPB ) regulations. 

Firstly, I want to emphasize that I have not received any written notice from JJ Marshall & Associates , Inc. regarding the alleged debt, which is a clear violation of my rights under the FDCPA. Additionally, upon further investigation, it has been brought to my attention that JJ Marshall & Associates , Inc is not licensed or bonded to collect debts in my state. This raises serious concerns about the validity and legality of their collection efforts. 

Furthermore, it has come to my attention that JJ Marshall & Associates , Inc. has accessed my credit report without permissible purpose. This unauthorized pull of my credit report constitutes a violation of my rights under 12 CFR 1006.34 ( b ) ( 5 ) and 12 CFR 34 ( c ) and ( 4 ) ( l ). Such actions are unacceptable and must be addressed immediately. 

In light of these violations and discrepancies, I am hereby revoking any acknowledgment of owing any debt to JJ Marshall & Associates , Inc. Additionally, I revoke all rights of JJ Marshall & Associates , Inc. to communicate with me through emails, texts, or calls. Any further communication attempts will be considered harassment and dealt with accordingly. 

Furthermore, I am requesting validation of the alleged debt as required by law. Please furnish me with any documentation, including the contract, that establishes the validity of the debt claimed by JJ Marshall & Associates , Inc. 

I expect prompt action and resolution regarding this matter. Please investigate these violations thoroughly and take appropriate action against JJ Marshall & Associates , Inc. Your assistance in rectifying this situation is greatly appreciated. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

Credit Control , LLC is attempting to collect an alleged debt. I have never participated in a transaction with this entity, not to my knowledge. I did not give this entity permission to contact me through any medium. This entity is threatening to cause harm to my reputation, character, and is causing me emotional distress.
Product: Bank account or service

I made a deposit to open an account on XX/XX/XXXX. The hold policy, per their receipt, said that {$4800.00} would be available on XX/XX/XXXX. As of XX/XX/XXXX, no funds have been released from hold. I did an online chat to ask why the hold was still there and was told that the whole amount would be held until XX/XX/XXXX. 

This seems a clear regulation CC violation.
Product: Mortgage

my brother XXXX XXXX is XXXX so there no way possible that he could have signed any lease or anything someone used his name and so this needs to be off of his credit report before me and my siblings take legal action against rent debt
Product: Credit card or prepaid card

I paid for social media marketing for a man on XXXX. I agreed to pay him {$68.00} for business owners that wanted social media marketing to find leads for these business owners. I used my Bank of American and XXXX card to this man that used XXXX to process the payments to him for providing these services. I was on a video call for all of the XXXX accounts that were created by me from his assistance. These business owners are located in XXXX, Ohio. When the services were completed the business owners were never contacted the the people coming to the facebook page of these businesses were people coming from all over the world. We found the merchant we paid was having his friends and others from XXXX and other countries coming to the facebook page of these businesses. The advertising was to create consumers from XXXX, Ohio. The merchant that I paid is under the name of XXXX with XXXX. I feel he is committing fraud with other consumers. My credit card company has informed me that XXXX and their bank has have showed screenshots of the facebook work that was completed by XXXX customer by the name of XXXX on XXXX that was payed by my credit cards.I am not going to be credited for these costs of {$550.00} with Bank of America besides the credit card with XXXX.
Product: Checking or savings account

This complaint is for BOTH XXXX and XXXX XXXX and concerns a joint savings account at Wells Fargo. We have been contacted by both the XXXX XXXX, PA and the XXXX, PA branches by different bankers many times to try to get us to change our savings account - for what purpose? We continually tell these people NO and to stop calling us. Also, the calls are bordering on harassment. We have spoken to the manager at XXXX XXXX in person, and the manager at XXXX just last month ( XX/XX/2024 ) and told them to stop calling us. Again, we have recently received another call from a banker at the XXXX XXXX, PA location. Stop calling us to change our bank product - savings account, and stop letting everyone working at these Wells Fargo locations access our private business. This is a breach of privacy and security of our account. We don't understand ehy these calls continue to occur once we have stated that we are not interested in changing our saving account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following Accounts ( Original Creditor : ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I do n't know how many times I have to explain this. I entered into a repayment schedule with GC Services back in XXXX XXXX. I was told that I needed to pay {$250.00} per month for 12 months in order to get out of default. I did that. It was at month 8 that I was told that I no longer needed to make any payments. When I inquired about stopping early I was told that I had fulfilled my requirement and no longer had to pay. I was told that I should be receiving my new contract in XXXX weeks. I did n't receive anything. XX/XX/XXXX I knew this was n't right and I continued the payments on my own, after several conversations with GC services telling me that the contract was on the way. 
Sometime in XX/XX/XXXX I get a call from GC Services telling me that I owed more money on top of what I had been paying. I asked for the amount, they gave it to me. I asked how they arrived at this amount. There was no explanation, I was told to just pay it. Since this was an addition to the contract I had signed, I asked for another contract. I was told that I was n't going to get one. I just needed to pay. I told them that I would not give any more money until I received an updated contact. 
Then the garnishment began. When I had questions I was told that there was nothing that I could do and that I would be garnished and that if I wanted to get out of garnishment that I would have to pay an additional fee on top of what was being taken out of my pay. When I asked where the money went that I had been paying. I was told that there was no such money ever paid. I got the cancelled checks. 
In the last 7 years I have paid well in excess of XXXX! What the loan was worth. The Ombudsman is a joke. I have tried many times to get back into the program and work with GC services. It is always the same we want your money first and then we will send you the contract. There is nowhere else in this economy that you are required to pay up front in order to get a contact. Criminals have more due process than a person trying to pay off their students loans. I and many others have been left without due process. 
I have told this story many times. The only reason why you are getting it again is because I have received an e-mail from your organization. 
If they really want to garnish people they should garnish both interest and principal so that people could have the loan paid off in 7 years, instead of offering people up as sacrifices for the dollar.
Product: Debt collection

Received a call on XX/XX/XXXX from a company called XXXX XXXX ( XXXX ) XXXX. 
They stated I was being sued over an outstanding debt from US Bank from XXXX to XXXX. I do not recognize this debt and asked them to provide me with copies of the agreements. They told me that they didn't have to provide this information and that I could " tell this to the judge ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked at my credit report and I saw a lot of items that I didn't recognize. I want them deleted immediately!
Product: Credit card or prepaid card

I put in a dispute on XXXX XXXX for a fraudulent purchase i didnt recieve from a merchant in the amount for XXXX i try calling the merchant to resolve the issue can get i touch with no one before the dispute.Ive called comenity bank over XXXX time trying to get my money back for a product I didn't recieve and nobody is helping me its been 6 months and every time I call the change the date when the dispute was put in and they erase all the conversations and the call ive made and start my process all over again.Now they say the dispute was just put in on XX/XX/XXXX and I have to wait another 60 day ive sent in email of every conversations I had with the merchant and still they won't say nothing or give me back my money i pay my card off faithfully every month please help me