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

On XX/XX/year>2025 I didnt receive my deposit in my account with Capital One. I figured it might be a slight delay and would check again later. I noticed others were having issues as well and there was no information coming from Capital One on what was going on. Just a vague theres an issue and we are working on it. By the end of the day, I still didnt have my deposit. We got an email later last night around XXXX EST with vagueness to it. I figured ill check again in the morning. 

Its currently XXXX EST on XX/XX/year>2025 and I still do not have my money. This is frustrating as I have bills to pay and I am already getting hit by late fees! There is no communication from capital one on what is going on and no XXXX with a long weekend ahead of us since Monday is a federal holiday and the banks are closed! I am very upset!
Product: Payday loan, title loan, personal loan, or advance loan

I was received a email in reference to a defaulted loan that I did not receive or apply for. The loan company is threatening to garnish my wages however this loan is not mines. I have notified the loan company my information was leaked in a data breach.
Product: Credit reporting or other personal consumer reports

I went to check my XXXX score from the bank. I notice it took a hit so I look at credit report. There I discovered XXXX XXXX put a claim against me. I know this is false because I have had/ have XXXX for close to 14 years. It also showed I lived in California ; which is incorrect also ( only lived in XXXX states since I was born ). Both states are east coast. The day it was opened was XX/XX/XXXX, I have bank / debit information showing I was in town at that time. When me and my wife upgraded our phones late XXXX XXXX had us show Drivers License, Utility bill, etc. And had to sign tablet for contract. I can/ have provided where we pay for phones, cable, & internet with XXXX. When I contacted XXXX, experian, and XXXX they all said it was accurate. They need to show proof. I never would have thought how little the credit agencies really do not want to do their job. i will seek legal coucel to go after all XXXX companies that need to do better.
Product: Prepaid card

I received a prepaid AMEX gift card from my employer a few years back. I want to use it now since the expiration date is within a few months. 

However, this virtual card was declined online and in brick and mortar stores, at restaurants and grocery stores, or XXXXXXXX XXXX - no one will take these cards. 

I called AMEX customer service and they could not offer me any resolution. They can not tell me where I can use the cards ( their site claims you can use them anywhere that accepts AMEX ). They can not transfer my balances for my four unusable virtual cards to a physical card. They can not offer me a refund. 

They falsely advertise that their gift cards can be used anywhere that accepts American Express cards. This is simply not the case. I can not reach a resolution with AMEX customer service nor can the original purchaser. 

I have been unable to use their card. My money is inaccessible. All I want is the total balance on my cards in cash/check.
Product: Credit reporting, credit repair services, or other personal consumer reports

After noticing my identity was stolen I notified XXXX, XXXX, and Equifax that there were fraudulent accounts and inquiries being reported without my permission or consent. Starting with US SM BUS ADMIN ODA XXXX XXXX, XXXX on XX/XX/2021 and XXXX XXXX, XXXX XXXX on XXXX XXXX, XXXX on XXXX XXXX, and XXXX on XXXX XXXX. I sent out my own letter not using a third party " credit repair '' service.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Caliber Home Loans assumed servicing of our home mortgage from XXXX on XXXX XXXX, XXXX. For XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX we did not receive monthly statements with Caliber. The first monthly statement we received was dated XXXX XXXX, XXXX. We have repeatedly requested that Caliber send us the statements for XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. In response to a previous complaint, they responded on XXXX XXXX, XXXX : " We are still investigating why you did not receive the statements in XXXX and XXXX XXXX and XXXX XXXX. '' To date we have not received the statements for XXXX XXXX, XXXX XXXX, XXXX XXXX AND XXXX XXXX. Please see page XXXX of the attached letter for confirmation of Caliber 's statement. 

We need these statements because XXXX has recently confirmed that they did not post our XXXX XXXX, XXXX payment to our account. Subsequently this caused a cascade of problems with Caliber. Caliber has been unwilling to address these missing statements or provide relief for the mistake made on XXXX XXXX, XXXX. They have corrected problems in our account that occurred in XXXX and XXXX XXXX but have not addressed the XXXX XXXX, XXXX issue.
Product: Credit card

On XXXX XXXX XXXX I made a purchase on the XXXX app in the amount of {$220.00}. XXXX double charged this amount and I called Comenity on XX/XX/2024 to dispute it. The representative I talked to said she couldnt refund online or dispute the charge but she could issue a refund check. I agreed to this and she sent the check, however it ended up being just another charge on the account for {$220.00}. On XX/XX/2024 I sent a dispute by certified mail for the two wrong charges to the account : the duplicate XXXX charge and the refund check charge made by the Comenity customer service representative. I returned the refund check with the dispute and made a payment in the amount of {$230.00} to cover the valid {$220.00} XXXX purchase and the {$9.00} Account Assure charge. As of XX/XX/2024 the duplicate XXXX charge has been resolved, however the refund check charge is still showing as a purchase on the most recent statement. Amount to dispute now is {$220.00} REFUNDS and XXXX {$4.00} XXXX XXXX  charge as this account should have a {$0.00} balance for XXXX statement period. 

This complaint has already been submitted. It was forwarded to FDIC who said this is better suited for CFPB. FDIC Referral - XXXX " Based on our review of your correspondence, the entity you referenced is regulated by the Federal Deposit Insurance Corporation ( FDIC ) and the Consumer Financial Protection Bureau ( CFPB ). However, the concerns noted in your complaint are within the purview of the CFPB. Therefore, our office is closing your case and forwarding a copy of your correspondence to Consumer Financial Protection Bureau ''
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts below are reporting on my personal credit file with TRANSUNION. These accounts were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The data furnisher are not complying with federal law in regards to identity theft. Additionally, the data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the accounts removed from my file. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX
Product: Vehicle loan or lease

I financed a car ( XXXX, XXXX ) through Capital One and during the pandemic I started getting letters that my car was up for repossession. I tried to contact them but I couldnt talk to anyone. I received a letter saying that my car was repoed from a tow yard, but I still had possession of my vehicle I again tried to contact them to let them know, I still have my vehicle and that they were reporting on the wrong persons account. Still, I wasnt able to speak to anyone months after that my son was in a wreck in the vehicle that completely totaled the car, I again, tried to contact them I finally spoke to someone to let them know what was going on in the previous months and that the car was totaled. I was told itll be taken care of, and then I received a notice that the car that was repossessed was sold at an auction and I owed a balance. That balance and repossession has been sitting on my credit and has caused me to get turned down from getting any other loan or financing for another vehicle which resulted for me to go to Buy here Pay here car lots with very high interest rates and car notes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I began to write disputes to each credit bureau ( XXXX, Equifax XXXX XXXX ) In XX/XX/2022 about Inaccurate information being reported on my credit Report. I Read the FCRA guidelines which specifically state that if An account is Inaccurate then it must be Fixed within 30 days or deleted. These credit bureaus have answered with nothing more than A letter saying its been verified but when i asked for the specifics of How these inaccurate accounts were Verified ; I got No answer. 
They send me letter stating that they have received my dispute but then they did nothing to Remedy the inaccuracies. 
I Stated to them that I read How after not updating the correct info, Not Verifying after being asked to verify and Not deleting these accounts that they were in Violation of XXXX USC 1681, reporting old debts as new or re-aged and Also Reporting payment activity in the payment history section after the accounts Were charged off and closed.

Im getting tired of sending letters to all 3 of these bureaus to no avail. Im no lawyer but i can read. From what ive learned the damages being caused by these bureaus is Worth me consulting with an attorney. Please help me because I was told that the CFPB is for Consumer rights that are being violated.

I will attach all proof and letters to this complaint as well. All my mail was sent out certified so they can't say they didnt get my disputes. They just keep choosing to break the law and It needs to stop
Product: Credit reporting, credit repair services, or other personal consumer reports

In an attempt to clean up my credit report I reached out to the XXXX credit reporting agencies Equifax, XXXX, and XXXX. I expressed to them that the accounts XXXX  XXXX account # XXXX and XXXX XXXX XXXX XXXXXXXX account # XXXX are reporting information that isn't 100 % accurate and also are violating my consumer rights with multiple violations. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States that I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.

I also came across the Ftc website more specifically the Gramm-leach-Bililey act and it states that 3 different disclosures needs to be given before my information is allowed to be sent to any public record, in which I never gave XXXX  XXXX nor XXXX XXXX XXXX XXXX  permission to do so. I expressed my concern to the reporting agencies as to look into the matter as it pertains to my name and affects my circumstances.
Product: Debt collection

Midland Funding is incorrectly reporting that I owe them a total of {$4500.00} on my credit for two different accounts. <P/>The account number for the first account is " XXXX '' and the balance is {$2500.00}. The account number for the second account is " XXXX '' and the balance is {$2000.00}. <P/>I have never had any dealings or communication with this company so there is no reason for them to be reporting any unpaid debt on my credit report. <P/>Why did they not send a notice of my right to dispute these debts before they reported to my credit? I only found out they were on my report a couple of months ago and since then, I have been disputing these accounts for deletion. <P/>I 've done some research online and I have only come across negative reviews and complaints by other consumers who have been harassed and scammed by this company. I will not give my money to a company I do not recognize and who will not tell me why they want me to pay them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed and tried to validate this debt with XXXX XXXX several times. The information continues to return as verified with the credit reporting agencies. XXXX has sent a package of phone bills, but they have not sent any validating information of the account balance, date of last payment, and close date. They are reporting to XXXX that the close date is XX/XX/XXXX, however they state that the date of last payment is XX/XX/XXXX, no other payment history. I have asked XXXX to validate this debt, however they were only able to provide me with some billing statement. I believe this account is reporting inaccurate.
Product: Debt collection

Paid off my debt with Brett Borland PC law firm a week ago I am still waiting for my proof that they were paid and confirmation email still was told I would receive it yesterday still Nothing. All this after they had supposedly lost my check for payment.
Product: Mortgage

I sold a home in XX/XX/2016, and a refund for final escrow closing in the amount of XXXX should have been sent to me, a year later I received the check, and when I took the check to my bank, it bounced, I contacted Nationstar mortgage co to have them reissue a new check, and I still have not received my refund after two separate conversations with reps, assuring me, a new check will be mailed in two business days. I contacted Nationstar on XX/XX/XXXX, and again on the XX/XX/XXXX, both times I was assured a new check was sent to me, it is now the XX/XX/XXXX, and no refund as of this date.
Product: Credit reporting

I applied for a credit card with XXXX XXXX. I was denied because my address did not match what was on my credit report. Then I tried to get my credit report and could n't get it online because the security questions were n't mine. I feel I am a victim of credit fraud. What ca I do to prove I am the rightful person to use my Social security number?.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

My XXXX had XXXX XXXX XXXX completed back XXXX. I applied for an XXXX XXXX XXXX  Card and a XXXX XXXX XXXX Card, both managed by XXXX XXXX Bank XXXX No card or account number was directly issued for either XXXX XXXX of XXXX to me or my XXXX, payment and account XXXX went directly to the XXXX. 

Soon after she had her XXXX work completed, this XXXX went out of XXXX. I signed up for XXXX on XXXX for both XXXX, but received XXXX in XXXX from XXXX that I was late and a payment had not been made for either card. I fixed them as soon as I could. 

All I want to do is be able to log into my account XXXX for both cards and make payments, otherwise, I have to XXXX them, be XXXX, never be sent XXXX for either accounts despite BEGGING for my XXXX to be updated or to receive my account XXXX XXXX, so I can sign up for an account XXXX which apparently does not exist and they can not provide me over the phone. 

Anything I've EVER received from them when I HAVE received something from them, through either a XXXX account XXXX or the XXXX or XXXX statements I received from my XXXX address, were XXXX account XXXX containing only the XXXX XXXX numbers. How am I supposed to sign up for an account if it's issued as a XXXX card, only the XXXX  XXXX numbers are provided, but they do not issue this XXXX card directly to consumers for XXXX XXXX? I can't win here and it's SO FRUSTRATING.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to dispute an item on my credit report. The item in question is : XXXX XXXX XXXX XXXX XXXX Ref # XXXX I believe this item is inaccurate and should be removed from my credit report for the following reasons : 1. The debt collector has failed to validate this debt as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g.

2. I pulled out of the bk and never completed the process. Started back paying my debt Under the FDCPA, specifically 15 USC 1692e ( 8 ), it is a violation to report information to a credit reporting agency that you know or should know to be inaccurate. As such, I request that you investigate this matter and remove the item from my credit report. 

Please provide me with the results of your investigation within 30 days, as required by the Fair Credit Reporting Act. 

Thank you for your prompt attention to this matter.
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 these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my multiple attempts to get this matter resolved. I've submitted previous complaints with the CFPB & you claim I'm submitting the information for someone else. I have no clue what in the world you're trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. The three credit bureaus has failed to comply with Fair Credit Reporting Act ( FCRA ). I disputed information was reporting to my credit file held with them. This account were opened fraudulently. I informed them of the issue & provided them with the required documents to remove this charge off account via FCRA Section 605b. They have failed to remove the account, additionally they have failed to provide me with any legal contract to reflect I was the one who opened the account. I need this charge off account to be removed from my report ASAP : XXXX XXXX Balance Owed : {$0.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this account immediately.
Product: Debt collection

I had a bancruptcy discharged XX/XX/18. I am now receiving collection letters and call from Trident Asset Management listing owner of debt as XXXX XXXX XXXX for {$370.00}, a debt that was discharged. XXXX XXXX XXXX sole this debt AFTER the discharge to XXXX. ( Sold XX/XX/XXXX ) I would like them to cease the harassment and remove any negative information they have reported.
Product: Debt collection

I mailed a letter ( certified via USPS ) on XXXX XXXX, 2019. It was delivered to the company on XXXX XXXX 2019 at XXXX XX/XX/XXXX 

I mailed a 2nd letter ( certified USPS ) on XXXX XXXX, 2019. It was delivered on XXXX XXXX, 2019 at XX/XX/XXXX. 

The company responded once with some sort of receipt that was made out to a XXXX XXXX. This receipt is no PROOF that this debt is mine. This is not verification. I asked for a wet signature and they have yet to provide it. They have ignored my 2nd request for verification. I'm sure that this company is well aware that this debt can't be verified without a wet signature, yet they attempt to hold on to and make me pay this alleged debt.
Product: Payday loan, title loan, or personal loan

On XXXX XXXX XXXX I took a personal loan for {$10000.00} with Customers Bank with an interest rate XXXX  % this interest is expensive but I accepted. Customers Bank only gave me {$8800.00} out of the {$10000.00} loan. Next day I called Customers Bank to find out why they were giving only {$8800.00} and they told me that they're charging me {$1200.00} for Origination Fee. So for a {$10000.00} loan I'm paying XXXX  % plus {$1200.00} for Origination Fee ( 12.0 % ). 

I need help to investigate this because I think this must be illegal. 

Loan # XXXX
Product: Student loan

I attended XXXX XXXX and graduated in XXXX. ( Later changed to XXXX XXXX ) Upon enrolling and during attendance to the school, I took out both Federal and Private loans to pay for the program. It later came to light that this school, along with lots of other schools engaged in misleading and pressuring students to enroll in their programs. In XXXX, I applied to Borrower Defense Program with the US Department of Education. XX/XX/XXXX, I was advised that my applications was part of a class action lawsuit- XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX. XXXX. ). XX/XX/XXXX, I was advised that my application for borrower defense was ineligible. XX/XX/XXXX, I was advised of a proposed settlement in connection with the XXXXXXXX XXXX XXXX lawsuit. XX/XX/XXXX, I was advised that my school was named in the lawsuit. The settlement terms were as follows : " If your borrower defense application related to federal student loans borrowed to pay for attendance at a school on the list attached to this letter, you will receive a discharge of federal loans associated with that school and a refund of any amounts paid to the Department on those federal loans, and the credit tradeline for those loans will be deleted from your credit report. Within 90 days of the date that the court 's approval of the settlement agreement becomes final, the Department will notify you that you will receive this relief. You will receive the relief within one year of the final effective date of the settlement agreement. Until this relief is provided, the Department will not take action to collect your debt. '' Since the school I attended engaged in these tactics, I believe my Navient loans should be discharged as well. 

I have diligently paid several thousands to Navient for a school loan that I was misled and pressured into taking out. I've carried this burden for far too long and would like relief from this.
Product: Student loan

I took out a student loan through Nelnet to attend XXXX and had an outstanding balance. As a result, I was notified the IRS would be seizing my tax return to cover the remaining debt. My entire tax return was taken from 2011 taxes, however the debt is still showing as open, XXXX has stated the loan had been repaid but Nelnet has been less than helpful and says they have no record of debt being paid or my tax refund being intercepted. How do I go about resolving this? Is there a record or receipt I can obtain providing the information where my refund was intercepted, the dates and amount? This is still showing in my credit and has been constantly impacting my credit score severely for a decade.