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

Follow up complaint to CFPB Complaint ID : XXXX I filed a complaint with the CFPB previously about pension funds that should be reversed to XXXX by Capitol One. I had requested the reversal after I made a pension fund deposit in error in XXXX. The check was made out to XXXX XXXX XXXX ( my name ) for IRA rollover and should never have been accepted for deposit by Cap One. I immediately contacted Cap One and asked that the deposit be reversed. It took a full month for them to complete this reversal which shows as a reversal on my Cap one checking account on XX/XX/XXXX. Since that time, XXXX, the check issuer, has not received the funds back. During that time, I called Cap One customer service at least every week and requested that the funds be transferred back to XXXX, and I also Emailed contact people at Cap One asking for escalation numerous times. I also called CapOne customer service with a XXXX representative on the phone hoping to facilitate the transfer back to XXXX. 
After I filed my initial CFPB compliant, I received a letter from Cap One on XX/XX/XXXX, which directed me to contact a representative a Cap One named XXXX to complete reversal of inadvertently deposited funds back to XXXX, the check issuer. Since that time, I have attempted to contact XXXX over a dozen times, each time leaving a phone message and phone number where I can be reached. She has not contacted me. I have also called the general customer service number at Capitol One on multiple occasions and they have been unable to help me, telling me that they would investigate the issue and call me back. I have called them for further escalation on XX/XX/XXXX and again on XX/XX/XXXX. They stated that they would have " XXXX '' call me back. This has not happened. 

I have been trying to get this pension check roll over reversed to XXXX since XXXX. I have spent hours on the phone with their representatives, have written Emails to their contact people, and have now spent an additional month calling XXXX in the office of the president. The customer reps who I called on XXXX and XX/XX/XXXX have Emailed " XXXX '' to try to get her attention and have not gotten any responses. Please assign someone to handle this intervention with cap one since my pension fund rollover has been in limbo since XXXX. It is no longer in my Cap one checking account ( since XXXX ) nor is it in the XXXX pension fund account that I am closing nor is it in the IRA rollover at XXXX XXXX. It should be in one of these accounts earning interest. The amount of time I have spent trying to resolve this problem is outrageous.
Product: Money transfer, virtual currency, or money service

I believe that it was a mistake to close my PayPal account. I am using my Paypal account for my online business XXXX XXXX XXXX since XX/XX/2022 My paypal account : XXXX has stucked funds in it that I have to withdrawn asap for emergency purposes. And I am hoping that I will get back my account and able to withdraw my funds. Thank you and Godbless.
Product: Debt collection

Me and my wife leased a apartment in Alabama named XXXX XXXX XXXX XXXX XXXX while living there the apartments did not hold up there end of the lease such as maintenance ( they where called to the apartment due to a broken dishwasher and while attempting to repair it flooded our apartment then looked at my wife and told her to clean it up this happened while I was over XXXX XXXX XXXX ) the apartment flooding caused mold to grow in the walls and the floor to bubble up the apartment was notified and became annoyed and stopped answering our calls they also had a flea infestation that they refused to take care of and our pets suffered severely from this they stopped cutting the grass for several months and the grass because very tall and after multiple complaints they cut everyone elses grass but ours they where notified of a beam supporting the patio above is cracking and sagging and refused to fix it so we gave them a 30day notice as was there policy that we would be breaking the lease and moving for our safety and a few months later we found a collection on our report
Product: Credit reporting, credit repair services, or other personal consumer reports

So I called Equifax at XXXX XXXX on XX/XX/2022 I spoke to a young lady by the name of XXXX she stated to me that shes unable to remove any in accurate information thats on my credit report I have sent the letter XXXX letter I have uploaded and fax all the inquiries thats on my credit report are in accurate And I need them to remove it because its affecting Financially
Product: Credit reporting, credit repair services, or other personal consumer reports

Company continues to show delinquent account older than 7 years. I have sent written communication to remove incorrect information with no change. 

XXXX XXXX Bank Account XXXX XXXX Account XXXX XXXX Card Account
Product: Debt collection

Starting last year Comenity Bank has continued to call me over 20 times a day leaving voicemails stating I would be served if I did not respond back to them within the day. Im called 7 days a week by these people from XXXX and on federal holidays. I block the number they call from and they spoof calling back with a new number. I understand they believe I owe a debt but I want them to stop harassing me.
Product: Credit card or prepaid card

Just noticed that my credit card statements from my REI card through USBank does not have the minimum payment warnings anywhere on the five pages that I get every month. Isn't this against the Credit CART Act of 2009? 

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

I disputed something with the credit reporting agency, after 30 days it has not been removed, which is a violation of 15 U.S. Code 1692 ( e ) ( f ) ( g ).

I want this deleted.
Product: Checking or savings account

Citizens bought part of XXXX and the account was never properly closed. I want the account closed and do not have a help number for citizens
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to get a loan from these company regards with automobile finance for a vehicle sadly they all turn me down these company states I owe money and has collection s on my name and fact was I filed bankruptcy chapter XXXX and was discharged there for it wrongful these company refused and discriminated me and refused of finance me due to I filed bankruptcy and yet they stated I has multiple collections under my credit score this means they have gotten wrong information when ran my credit score there should not be a denial of my credit regardless due to I am protected under the bankruptcy law they making up their own wording and stated this and that and mainly they don ; t want to finance me because of my low credit score of 400 or 500 score they think I am a high risk because I filed and has a bankruptcy discharged they made it impossible for me to finance a vehicle and establishing credits for them doing these practice they pretty much saying if I could paid off my collections or debt out there and then they would approved me once again I am protected under the United states bankruptcy law chapter XXXX it is wrongful these company denial my credit applications due of my bankruptcy chapter XXXX has been discharged they only help people and finances people who has no bankruptcy that is a discrimination.
Product: Credit card or prepaid card

On XX/XX/2023 I went to Kohl 's with my mother to buy some clothing. The cashier who I believe was named XXXX, assisted us. I held my phone out to use a coupon that was from the Kohl 's app, and the cashier said to my mother " he's must be crazy if he thinks I'm going to look at his phone '' I replied and said " I have a coupon from the app '' he said " says who? '' I replied and said " The Kokl 's app '' he ignored me and continued to ring up our purchases. He continued to mock me for having my coupon and at the end said he has the coupon already. I put my phone away. When he was done ringing up the purchase, he applied a discount to show me the savings I could have if I applied for a Kohl 's card. I thanked him and declined. He said it's not a credit card and I could save money this way. I declined again. He removed the discount and told me that I could just pay {$1.00} on the Kohl 's card and then the rest on my credit card to get the savings. He said that was the way to do it if I was smart. I declined a third time. I felt pressured into applying for this card and misled into believing this was not a credit product. I don't feel comfortable going back to Kohler 's knowing the harassment I'll be subjected to for not applying for an unwanted credit product. 

Date of issue : XX/XX/2023 Time : XXXX XXXX  Store number : XXXX
Product: Debt collection

Money orders were sent for the following months XX/XX/XXXX arount {$610.00} XX/XX/XXXX amount {$610.00} XX/XX/XXXX amount {$610.00} XX/XX/XXXX amount {$610.00} Direct debit was sent for the following months : XX/XX/XXXX amount {$610.00} XX/XX/XXXX amount {$610.00} Open court case through the city was open XX/XX/XXXX for unsanitary living conditions. As followed. XXXX in bath tub XXXX running down basement wall. XXXX infestation with no pest control treatment for several months. Had to stay in hotel months XXXX XX/XX/XXXX because of XXXX and drain floes. Kids school offered for family to shower at the school. This problem wasn't fixed until XX/XX/XXXX. Rental lease stated rent to be $ XXXX month until XX/XX/XXXX the property is charging $ XXXXmonth. Payments made have not been posted on property 's resident portal and have been blocked to view.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian and XXXX have provided my financial information to companies and individuals that have stolen all of my assets and my IRS information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute the negative items on my credit report. After reviewing my credit report, I found several items that are not accurate and require immediate attention. 

Firstly, I have no recollection of authorizing the following credit pulls, and I demand their removal : XXXX XXXX XXXX : Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX : Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX : Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Secondly, I would like to bring to your attention that some of the inquiries have reached the statute of limitations and should be removed. These inquiries include : XXXX XXXX XXXX : Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX : Date of inquiry : XX/XX/XXXX XXXX XXXX  XXXX : Date of inquiry : XX/XX/XXXX XXXX XXXX : Date of inquiry : XX/XX/XXXX Furthermore, I dispute the following items that are not accurate : XXXX : Account Number : XXXX - I don't remember ever being late with any of my payments. Please remove this harmful incorrect data immediately from my credit file. 
XXXX : Account Number : XXXX - I don't remember ever being late with any of my payments. Please remove this harmful incorrect data immediately from my credit file. 
XXXX : Account Number : XXXX - I don't remember ever being late with any of my payments. Please remove this harmful incorrect data immediately from my credit file. 
XXXX XXXX Account Number : XXXX - I have no recollection of even belonging to this account. Please remove this frivolous account immediately from my credit report. 
XXXX : Account Number : XXXX - I have no recollection of even belonging to this account. Please remove this frivolous account immediately from my credit report. 
XXXX XXXX : Account Number : XXXX - I have no recollection of even belonging to this account. Please remove this frivolous account immediately from my credit report. 
XXXX : Account Number : XXXX - I have no recollection of even belonging to this account. Please remove this frivolous account immediately from my credit report. 
XXXXXXXX XXXX XXXXXXXX : Account Number : XXXX - I have no recollection of even belonging to this account. Please remove this frivolous account immediately from my credit report. 
XXXX XXXX : Account Number : XXXX - I have no recollection of even belonging to this account. Please remove this frivolous account immediately from my credit report. 
I respectfully request that you investigate these inaccuracies and make the necessary corrections to my credit report. Please notify me in writing of the actions taken. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

I, XXXX XXXX, am submitting this complaint myself and THERE IS NO THIRD PARTY INVOLVED. 

I, XXXX XXXX, a consumer, a natural person, and the original consumer of an open-end credit plan, paid off a credit card debt with the last reporting balance on XXXX XXXX from VELOCITY PORTFOLIO GROUP XXXX CKS PRIME INVESTEMENTS Account Number XXXX that is still reporting on my credit report as a collection account. Even though the balance is paid, Ive never given this company consent to report this debt to my consumer report which is a violation of my right pursuant to 15 USC 1692 ( c ) ( b ) and is also a violation of my privacy pursuant to 15 USC 1681a ( XXXX ). Im also not sure how this company received my information because Ive never given it to them, nor did I give anyone permission to give it to them, so this is another violation of my rights pursuant to 15 USC 1681a ( q ) ( XXXX ). Though i did pay this balance off before being ignorant of my rights as a consumer, Ive still never completed any original contact nor have I any agreement with my signature on it with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 4 accounts on my credit report that are not mine and a bankruptcy that are not mine they do not belong to me I have not applied for these used this or even applied for this. 

Account Name : XXXX/XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX/XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Product: Checking or savings account

I had a checking and saving account in Bank of America since  XXXX .I used to deposit my friends and family members checks as a third party check in my same account and every thing was fine and I did n't received any letter from bank that I can not deposit third party checks in my account until  XXXX    XXXX   when I deposited some of my family members checks in my account .Bank of Am erica closed my accounts and they se nt me a letter that Bank will re turn my m oney because I provide the notarized statement from all those people whom checks I deposited ( copies attached ) as a third party check .After tha t the Bank of America regulatory team sent me a letter saying that the Bank Can not return my money and they have sent the money to IRS and they provide me the copy of the cashiers check that was sent to IRS and I was told to contact the IRS to get back my funds .I contacted the IRS and provided them the Bank of America letter along with the copies of the checks that I deposited in my account and I also sent them the notarized letters from each individual whom checks I deposited in my account ( copies attached ) .Now I received a letter from IRS that I have to ask my funds from Bank of America .I tried to contact Bank of America regulatory team to solve my problem but they  are not responding to my calls I left them messages but they are not responding to my request I am a low income minority and i am facing a lot of financial problems
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written several certified letters disputing the validity of these 4 Student Loan accounts and asking for the deletion of inaccurate information. There are 90 day late payments without prior 30 or 60 days late payment history and this is factual data shown on Experian 's report so how could they be doing an investigation when they don't even read their own report. Also, the highest balance listed is 0 which would be inaccurate. 3 ) Status shows updated XX/XX/2019 although I have asked for dispute after that with no proof of notice which is a violation
Product: Debt collection

Portfolio RC XXXX ACCOUNT - XXXX The account balance reporting is {$120.00}. This account has been settled for less and the actual balance is {$0.00}
Product: Student loan

Account Number : XXXX People on the loan : XXXX XXXX and XXXX XXXX ( my dad ) On XX/XX/2023, at XXXX XXXX, I paid off my student loan in full. The amount was {$13000.00}. I noticed after a few days that the money was still in my bank account. So I logged onto the Nelnet website and noticed two things : the payment was still being processed, and a new charge of {$140.00} was added to the balance and due XX/XX/. 

I called, and after waiting for 2 hours on hold, I was finally connected to a representative. She said that because I made the payment after XXXX XXXX ( not true as previously stated, which I told her so, and she argued with me ), it would take 5 to 7 business days to process. Had I made the payment before XXXX XXXX, it would have been processed immediately. Also, while the payment is being processed, the loan is still accruing interest daily, despite the fact that I paid the entire loan off. I told her that none of what she said made any sense and requested a supervisor. She said the wait for a supervisor was an additional hour. Frustrated, I gave up. Before hanging up, I asked for an email address, and she said, " We don't have one. '' None of these practices seem legal. How can they charge interest on a loan that was paid off? It's not my problem how they process payments. It's been 6 business days since I paid my loan, and it is still processing. I have the receipt, the time of the transaction, etc. 

Loan sharks are more lenient.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Credit Reporting act XXXX, Accounts Assoiated with XXXX, XXXX, Equifax # XXXX, XXXX, 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 Its also a consumer reporting agency can not furnish a account with out my written instructions.
Product: Debt collection

I've filed a complaint on this creditor before about this identity theft debt and was told to reach out to the creditor and ask them to furnish me with proof that this debt belongs to me, I have sent the creditor barclays bank certified letter request that they furnish me with proof that as documentation that this debt belongs to me, but barclays failed to provide me with the specific documentation requested, its a matter of fact they provided with no documentation what so ever, all they did was write a two sentence letter stating that they received my dispute an that it is accurate with no proof or documentation to back it up, according to the fair credit reporting act, if a creditor can not furnish proof that for a debt was when there's a dispute they must remove the debt off the consumer credit report..
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous letters to XXXX asking that they please verify XXXX accounts that are appearing on my credit report. I have no idea what they are and have asked that they send some type of documentation letting me know what it is, if its been verified, and who they spoke with so that I XXXX get some type of clarity on these accounts. I have not received any form of communication from XXXX. I have even sent letters reminding them that they are legally obligated to complete an investigation and respond in 30 days. My letters have gone unanswered. 
I have also sent letters to XXXX and Experian regarding a separate account. I have not received a response to my request for verification. I have asked both agencies to provide proof that this account belongs to me or a method of verification so that I XXXX follow up. XXXX sent me a copy of my credit report and I have not received any written documentation from Experian verify this account. 
I have been writing each bureau since XXXX and am not getting a response.
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 reporXXXX XXXX XXXXXXXX XXXX : {$300.00} XXXX XXXX XXXX XXXX  : {$30000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$300.00} XXXX XXXX  XXXX XXXX XXXX : {$30000.00} XXXX XXXX XXXX  : {$0.00} XXXX XXXX XXXX : {$300.00XXXX XXXX XXXX XXXX XXXX  XXXX {$30000.00} XXXX XXXX XXXX : {$0.00}
Product: Mortgage

You still have not sent me proof of deferment on loan and why did I pay interest twice once on statement and once on pay off
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian consistently refuses to provide the free annual credit as consumers we are entitled to receive. I have emailed them, filed complaints directly through their website and have received zero response.
Product: Credit reporting

I had been trying to get a copy of my credit report from Equifax Reporting Agency for over a year. I placed a fraud alert with the other credit reporting agencies after I became a victim of identity theft. I also created an Identity Theft Report with the Federal Trade Commission. On XXXX, I placed a dispute investigation online with Equifax which enabled me to finally see a copy of my Equifax credit report. I noticed that Equifax has been sending copies of my credit to an incorrect address and they have a couple of addresses listed as belonging to me that are also incorrect. I updated the correct information and placed a statement on my credit report. Today, I got an email from Equifax saying that they corrected my report but Equifax still has the same incorrect information. My address is not XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX. I have never live in XXXX, XXXX or XXXX, XXXX or XXXX. I do not use my initials or my middle name as my first name. I sent all the information showing this and Equifax has been sending my information to the wrong address. I am also requesting a seven year fraud alert to be placed on all of my credit reports since my personal information has been going to another address for years. My correct mailing address is : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX.
Product: Money transfer, virtual currency, or money service

I found two online wire transfer which was unauthorized, made on XX/XX/XXXX and XXXX, 2022 total in the amount of {$5300.00} It was taken from my JP Morgan Chase personal checking account. 
I immediately contact the bank, still unable to get my money back