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

My Complaint is against Capital One Bank  and XXXX XXXX The response to my claim # XXXX through CFPB is unreasonable. After waiting for more than 2 months Capital One is recommending me to follow up with recipient bank which is XXXX XXXX. I have done this follow up on XX/XX/XXXX with XXXX XXXX and was informed : 1. the account number was incorrect so the money was sent back to Capital One within three business days 2. since I am not their client any further follow-up must be with Capital One. 3. XXXX would work on the matter with Capital One. Capital One is washing it's hands off my claim without just cause. I need their fraud department to fully investigate the matter along-with the fraud department of XXXX XXXX  and come to a proper conclusion and to locate the {$10000.00} transferred from my account. Please call me @ ( XXXX ) XXXX or email XXXX XXXX XXXX
Product: Debt collection

On XXXX XXXX, 2015 around XXXX this morning I contacted FMS debt collection regarding a debt I have from an apartment. XXXX gave me the information of what I owed. I later asked XXXX, can I settle the debt, and he stated that the " XXXX XXXX '' does not take settlements. I said, well if I pay half would they settle? XXXX responded, they will only take settlements if it 's close to what I owe. I then asked XXXX could this be removed from my report if I paid it in full, XXXX response was " Nah ''. I responded to XXXX " nah or do you mean no ''? He then replied to me in an ill-mannered tone and said you are being sarcastic and you need our help. Furthermore we will take legal action upon you. I asked him who was the manager, XXXX replied, I am. I asked him who was his boss, and he said the owner of the company. He also said that he will not give me his information because the owner does not talk with the debtors. He then slammed the phone in my ear. I then called to speak with XXXX XXXX XXXX, Operations Manager and I was told she no longer works for the company. I asked for XXXX XXXX XXXX and he said he 's not in this office. I then proceeded to call XXXX XXXX and left her a message at XXXX on XXXX XXXX, 2015. I have yet heard a response from anyone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Experian regarding an incorrect address that recently appeared on my credit report since there is now a 'Fraud Alert ' on my reports. The address is affiliated with a business that does not exist : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX I spoke to XXXX in the Dispute Department and she claims the address is associated with a Bankruptcy that is on my credit report that I have been disputing via certified letters since XX/XX/18 and three more since and they have yet to mark the Bankruptcy 'Disputed by Consumer '. They claim they have verified the Bankruptcy via XXXX and when I asked XXXX to send me actual verification she said I needed to send Experian a subpoena in order to see verified information. I then asked to speak to her Supervisor and then she hung the phone up on me. I have sent Experian a letter from the US Bankruptcy Court as well as several letters, followed up by phone calls and I am getting the runaround and being lied to. They are clearly in violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Identity Theft, Transunion is reporting a fraudulent account from XXXX XXXX XXXX to my credit file. 

I do not have a debt or a contract with XXXX XXXX XXXX, and they are reporting inaccurate information on my credit report on TRANSUNION. I dont give them permission to report this information and ask for an immediate removal. They have yet to substantiate a proof of method of verification. I spoke with the original creditor in question and they said i don't have a debt with them. 

XXXX XXXX XXXX is not licensed to practice debt collection in the state of Georgia. They showed a contract that is not between me and XXXX XXXX XXXX but an entirely different company. I have voice recording from said company that I do not have a debt obligation from an employee named XXXX. This is fraudulent and frivolous and should be addressed immediately. 

This company is in violation of 15 U.S. Code 6802 and 6803. I do not give them permission to furnish my personal information or status to non-affiliated entities. I was never given proper notice and have not given written consent to this company. Their mishandling of my information is causing damage and distress to me and my family. 
This account is involved in litigation.
Product: Debt collection

I recently sold my house. During the process, I learned that my ex-husband had debt which had gone to judgement and there was a lien on the house. In the divorce, I was awarded the house and we were both responsible for our own debt. The title company told me I could not close unless these were paid. I contacted my ex-husband to find out what needed to be paid. He contacted the agency to ask them for settlement and payoff amounts. He gave them permission to speak with me. I called on XX/XX/2020 and asked them to send payoff amounts to the title company. I was assured they would be there that afternoon or by the next morning, at the latest. The documents were not sent until late the next afternoon and one of the pages did not make it. I attempted several times to contact them again for them to resend it. None of my messages were returned. I continued to call and eventually spoke with the same person who told me they would be there by morning. He said he could resubmit the request to send, but it would take 24 hours. I asked if it could be expedited, since it was faxed already, but did not go through. He said he had no way to telling me when it would be sent. I spoke with a supervisor who assured me he would contact the department which sends these and ask them to expedite it. It is now XX/XX/2020 and we have not received the document. I emailed and asked it be forwarded to a manager. I also asked my ex to call them again. He did and was told they would send the documents right over. That was 3 hours ago and they still have not been received. The title company is holding my funds until they receive this. The collection agency 's failure to send a payoff amount is hindering my ability to move forward with the purchase of my home. How can I get them to send this, so I can pay it and move on?
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022, I requested to be provided with all original contracts along with my signature and all receipts from the original creditor to assist me in proving that I do not owe any debt. I also asked for the information used to validate this account. XXXX is violating Hippa Laws by sending what appears to be my medical records. This is in violation of my privacy and is also being used negatively against me as I have not be given a copy of my receipts showing that I paid for services when they were rendered in person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted multiple time to get my consumer reports from XXXX XXXX, Innovis, and XXXX XXXX. I can not get them to provide me copies of my consumer reports.
Product: Debt collection

Keep calling and they have been told that I am the co-signer and can not pay this loan repeated times and that they need to quit calling and that I am an XXXX year old man living on Social Security. It is affecting my health. Just keep calling and harassing me and telling me that they are going to file a law suit.
Product: Debt collection

I checked my credit report, and there is a debt with a {$680.00} amount. I have tried to get a debt validation by sending a letter. No information or response has been given to me. It is now way past 30 days. I sent a letter in XXXX. I would like for them to validate this debt. I would like evidence that I owe this debt to NCA. I have never had any business with them. I do not need verification of my address. This company is not following reporting and validation guidelines of the FCRA. If this can not be validated I would like it removed.
Product: Credit card

Back in XXXX I received a XXXX XXXX  XXXX. I activated my card. It was advertised as a XXXX XXXX XXXX. It was also advertised that I would not need to take any further steps to use my card XXXX  This was a false advertisement. Upon XXXX XXXX XXXX XXXX XXXXXXXX my card was frozen without my consent. I spoke to a representative and they refused let me use my card. I spent several hours on the phone. Finally a supervisor approved my card use. However upon my return I was told that their advertisement was indeed false. You must have access to a phone to make purchases, even though many XXXX XXXX have no cell service. I told their fraud team that this was a serious issue as it put my physical life in danger from not being able to purchase food and lodging. She stated their company did not care about physical safety of their customers, only the digital security of their money. My life was placed in danger due to this false advertisement and bad company policy that I believe is illegal.
Product: Credit card or prepaid card

I APPLIED FOR A DEAL WITH CITI AADVANTAGE BUSINESS AND THEY WRONGFULLY DENIED MY CREDIT CARD APPLICATION.
Product: Checking or savings account

I got a letter from Wells Fargo Bank last week. Stating that someone opened an account in my name via online banking. And that this person used Online bill pay long after I closed an account back in 2011. I would like to receive assistance in this matter.
Product: Mortgage

bank of America is calling my home ever day and night threating me and my wife.be cause we paying the morage late .one month late because I get pay every two week.i informend theme about a 100 time that I am the only one work .my wife is very sick. she wont be going back to work. she file for s.s.but she still waiting.they are making threat.thatthey are going to come to my home.XXXX.send cop sand they also got the XXXX.calling and making threat.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion provided what I thought was free a credit report, but they included unwanted credit monitoring and charged me XXXX  dollars. This practice is predatory marketing on people simply looking to dispute a derogatory remark on their credit. This company needs to be reprimanded and I want my XXXX  dollars back.
Product: Debt collection

I have recently discovered what credit is and what it does for your life. Unfortunately, I do n't have good credit bc someone has run up utility bills, medical bills, and apartment collection. Someone had broken into my car a few years back and stole passport and wallet. When I call these places, i get treated like a criminal and just said forget it. I ' assuming this is associated with my information being leaked for all of XXXX area to see. I 've since calmed down. I desperately need to update and clear off what is not mine and began a new life after my divorce. The police really could n't help nor did they care to but I got some valuable information about the process with the federal trade commission. I intend to see this through until the bitter end. 

National Credit Systems is reporting a debt that is not mine, and I 've made several attempts to get this handheld to no avail
Product: Debt collection

I 'm being threatened with legal action for an account that was closed in bankruptcy in 2010. This account is about 15 years old and is not actionable. I plan to sue this company for illegal collection practices. XXXX XXXX from XXXX XXXX is in direct violation of fdcpa collection practices. They will both be named in the lawsuit. Phone number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In ExperianXXXX responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and XXXX XXXX XXXX that has been XXXX. List of item that is UNKNOWN to me : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint about this directly with XXXX XXXX and received the below response. After the response the error was corrected however this weekend I notice that it was placed back on my credit report. Please find the original resolution below where the company ( XXXX XXXX ) stated that they will remove the reporting. 


STATUS The company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response XX/XX/XXXX Re : CFPB complaint # : XXXX Dear XXXX XXXX : Thank you for your service in the armed forces and for contacting us with your concerns regarding your credit account. We located the account to which you refer and confirmed the name on our account is associated with the name under which you submitted your complaint. We investigated your complaint and found the following : On XX/XX/XXXX, you opened a credit account with our store, XXXX XXXX, and subsequently financed multiple purchases. On XX/XX/XXXX, XXXX XXXX XXXX XXXX ( XXXX ) became the service provider for your account ; they took over reporting your account information to the credit bureaus from this point on. We have no record of a prior inquiry from you the regarding the matter. As part of our investigation, we contacted XXXX who stated the following : Your required minimum payments were due by the XXXX of each month. o They did not receive timely payments in both XXXX and XX/XX/XXXX, and reported the resulting delinquency to the credit bureaus, accordingly. Through XX/XX/XXXX, they received multiple electronic disputes from the credit bureaus, along with letters from you requesting a goodwill adjustment to your credit file, to which they investigated and timely responded. o Regarding your letters ( none of which mentioned a natural disaster situation ), they explained they were unable to accommodate your request as the information they were reporting was accurate and this is against company policy. o However, in response to your complaint, as a customer service due to the situation, they sent a request to the credit bureaus to remove the above delinquency, as requested. o Please allow 30 to 60 days for the update to be reflected on your credit file. Thank you for your long-standing patronage of our company. We are sorry to learn of the difficult situation noted in your complaint but hope the above information clarifies this matter. Sincerely, XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

On four separate occasions, I have disputed items on my Experian credit report. ( XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023 ). One item that remains is a XXXX  XXXX bankruptcy on my credit report. I contacted the court who advised they do NOT report to the credit bureau but Experian states that the court has verified this record with the court. I have since provided this information to Experian who in their latest correspondence advised me that the most recent dispute would not be processed as they do not believe it came from me. You will find the attached letters below and their response to the most recent dispute, which they failed to process. I have not received any evidence from them that this bankruptcy was properly reported however and the court does not report their records to the credit bureaus. The response from Experian verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ), and the information must be deleted immediately.
Product: Debt collection

This is from a disputed debt back in 1993. It has been sold and resold. I have called them and they continue to attempt collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has a data breach and tried to reach to you and your company and previous submit but your facility closed it. Enclosed paperwork
Product: Debt collection

I received a 1099 C from OPPORTUNITY FUND XXXX confirming that this debt was discharged. I have personal knowledge of an IRS form1099 C in reference to the following account : OPPORTUNITY FUND XXXX  The Instructions for Forms 1099-A and 1099-C ( Rev. XX/XX/year> ) states that, A debt is deemed canceled on the date an identifiable event occurs or, if earlier, the date of the actual discharge if you choose to file Form 1099-C for the year of cancellation. An identifiable event is one of the following. Number 7 of this section states, A discharge of indebtedness because of a decision or a defined policy of the creditor to discontinue collection activity and cancel the debt. A creditor 's defined policy can be in writing or an established business practice of the creditor. A creditor 's established practice to stop collection activity and abandon a debt when a particular nonpayment period expires is a defined policy. Enter G in box 6 to report this identifiable event. When XXXX stated in the letter that the account charged off, I interpreted that as the account was discharged. As XXXX describes the alleged account activity in the letter as a charged off debt. It seems to be describing an established business practice that discharged debt of the alleged account. This is deceptive and misleading. 
This account is inaccurate because it is currently showing a balance. This violates the Fair Credit Reporting Act 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] 5A. I request that, based on these findings, that these accounts be promptly and permanently removed from my consumer credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act XXXX account XXXX 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 2682 section 604 A section 2 : it also states consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

Company name is southwest credit, located in XXXX tx. 
They are calling me everyday.
Product: Checking or savings account

I am emailing In regards to the {$210.00} In overdraft fees charged on my account from XXXX. Most of these fees where charged after I was successfully pay off the balance before XXXX EST on the dates in question. I called about It once and got a lame explanation from one of your representatives. Why should I be responsible for overdraft fees when I paid off the balance to prevent one before the business day is over? 

In addition, who charges overdraft fees after paying money towards a business account that's overdrafting? Thats very sick and evil. 

I politely, yet sternly demand that Wells Fargo refund me {$210.00} dollars or risk loosing me as a customer of two accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX has been reporting 3 of my investment property mortgages delinquent for about 7 months now since XX/XX/XXXX, incorrectly, because they're both in forbearance since XXXX until XX/XX/XXXX. Since XX/XX/XXXX, they have stated that it's been fixed but the bureaus keep getting refreshed with the same incorrect delinquent information. The department responsible for this is only available via email and they never reply even though I have emailed them about a dozen times since XXXX, about once per week. I would like to know if and how this company can be held accountable. I have been denied crucial business and personal credit lines due to the impact this has had on my credit. From XXXX to XXXX currently. I have already filed a complaint with CFPB about this on XX/XX/XXXX, to which XXXX XXXX XXXX XXXX  sent a letter stating that the incorrect reporting would be fixed but as of XX/XX/XXXX, the late payments are once again reappearing on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX Balance : {$15000.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$8400.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX