23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Subject : Adverse Action Notice Regarding Violation of Consumer Rights by Capital One XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Capital One Dear Sir/Madam, I am writing to express my deep concern and disappointment regarding the recent denial of my credit application by Capital One. It has come to my attention that my fundamental rights as a consumer have been egregiously violated, depriving me of the God-given right to credit and undermining my ability to assertively manage my financial affairs. 

As a diligent consumer, I submitted my credit application with the expectation that it would be evaluated fairly and objectively, in accordance with applicable laws and regulations. However, the denial of my application without just cause represents a clear violation of my rights under the Equal Credit Opportunity Act ( ECOA ) and the Fair Credit Reporting Act ( FCRA ). 

The denial of credit not only impacts my financial well-being but also undermines my autonomy and dignity as an individual. It is my firm belief that every individual has the right to access credit on fair and equitable terms, without discrimination or bias. 

Furthermore, the denial of credit by Capital One represents a failure to uphold its responsibilities as a financial institution to serve the needs of its customers and support their financial goals. This action not only harms me personally but also reflects poorly on the reputation and integrity of Capital One as a trusted provider of financial services. 

I demand an immediate review of my credit application and a reconsideration of your decision in light of the violations outlined above. Additionally, I expect Capital One to take corrective action to ensure that such discriminatory practices are not repeated in the future and that all consumers are treated with the respect and fairness they deserve. 

Failure to address these concerns adequately will leave me with no choice but to escalate this matter to the relevant regulatory authorities and pursue all available legal remedies to seek redress for the harm caused by Capital One 's actions. 

I trust that Capital One will act swiftly and decisively to rectify this situation and restore my faith in your institution as a responsible and ethical provider of financial services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent disputes every 45 days since XXXX. XXXX  hasn't responded and when I call them they refuse to provide any information. One of the companies I was able to speak with over the phone has said they've requested the urgent to be removed from my report since XXXX and XXXX has refused to respond. I have the email from XXXX executive office stating that it should be deleted and XXXX still hasn't responded. 
Equifax keeps saying an account is verified but when I call the company they say they have XXXX the account out and is no longer able to assist me. I request documentation but hasn't received anything from them. Equifax also refused to respond or update my file. XXXX says the information is updated after receiving information that XXXX has requested it to removed from my credit report and all refuse to.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed too investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but have also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Mortgage

In    XXXX   XXXX     2016 we  found out we had a delinquent  XX/XX/XXXX  mortgage payment to  XXXX   XXXX   XXXX  when we had a credit check pulled. We were wanting to refinance our home. I got on the phone immediately to find out what payment was delinguent. They informed me they had not recieved  XX/XX/XXXX     payment. The   XX/XX/XXXX  p ayment made the  XX/XX/XXXX  payment and now I was late  XX/XX/XXXX . I told them there had to be some kind of mistake because I made the payment. I checked with my bank and got statements to show the payments I had made prior to and after the dates in questions. I emailed them to  XXXX . I called  XXXX  several time after to see if they were able to find the missing payments. I submitted the addess the payments where being sent trying to find out why and where my payments had gone.  XX/XX/XXXX  I checked my bank account and I was credited  XXXX . I contacted my Bank,  XXXX   XXXX   XXXX   XXXX  and asked them why this check came back. They informed me this check was credited back because it had not been cashed or processed in 90 days. At that time I contacted   XXXX   XXXX   and told them what I had found out. I made  2 pa yments to  XXXX  at this time. One check for  XX/XX/XXXX  and the other for the missed payment. At this time I asked them if they could please contact the maj or Credit Companies  because these late payments had hurt our credit. They told me I had to write to their research department to get this matter cleared up to which I did. I provide proof the payment was taken from my account. I provide a letter from  XXXX   XXXX  stating the payment was sent on  X/X/16    making  XX/XX/XXXX  payment. The letter I recieve from  XXXX  stated they are not responsible for lost or delayed mail by the United States Postal Service. I was n't asking for anything other than help with  Credit Reporting Companies.
Product: Debt collection

Ive sent out dispute letters, and debt validation letters, The debt holder is not able validate the correct debt amount and neither can the original debt holders, please remove this item from credit, also this debt is past the statue of limitations and should no longer be in collections
Product: Debt collection

I recently filed a complaint but I do believe it was not explained correctly. XXXX XXXX is claiming that I owe a debt and I have reached out to provide proof of the debt. In the initial complaint, they responded by saying they sent the first collection letter in XXXX to the last known address. I have the same XXXX XXXX XXXX address on file for the last 10 years and never received any letter that I owe a collection. I only received a copy of the contract after I just submitted a complaint. The contract shows two names and I do not know the other person on the contract. Also how can I owe a debt when I never lived in XXXX until XXXX. The address that is on the contract have never been on my credit file. If I owe XXXX lakes a debt I am sure that the address will be on file and yet it isnt. I only have had a Georgia address on file until I moved to XXXX in XXXX. I see the names but I need adequate proof that I owe a collection. I would like to see my actual social security number that ties me to the collection and not just my name cause Im not the only one with that name Also a legit signed contract and not a computerized signature my actual signature and social security number. This debt is every detrimental to my credit and again I am asking that it is removed from my credit before further action is taken.
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio Recovery Assoc - {$730.00} Date opened XX/XX/2020 In accordance with the Fair Credit Reporting Act my rights have been violated as a consumer Pursuant to USC 15 1681a ( 1 ) Congress makes it clear that the banking system is dependent on accurate and fair consumer file reporting. My file is in fact not accurate nor fair. Without consulting with me first, your company received false information from alleged creditors and debt collectors and furnished my consumer report before confirming if such information is valid. This is indeed unfair credit reporting.

It is the purpose of the subchapter USC! 5 1681 ( a ) ( b ) that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit in which a manor that is fair and equitable to the consumer. This information is not relevant, fair, or accurate and was improperly used. There were no reasonable procedures meet I wasnt even contacted about this manner.
Product: Money transfer, virtual currency, or money service

My wire transfer is held due to a US OFAC Investigation Request XXXX, details XXXX I would expect a delay related to this, but I would also expect due diligence and expedite responses from banks about this issue. 

The Sender XXXX XXXX  has replied back to messages and request for information though ON-LINE security messages, but the receptor TD Bank miscommunication and delayed response is adding unnecessary delay on this investigation. 

I request XXXX XXXX  to notify the recipient of this wire transfer delay, but they replied is under the TD bank compliance option to notify their customers. I contacted TD Bank customer service and ask them to notify the recipient beneficiary of the delay of this wire transfer. Even I did not request any information or details, they refuse to notify its customer about this transfer delay. TD Bank stated is following Privacy and security measures, but I did not request any information, just ask to notify its customer about this transfer delay Please note I have replied back to TD Bank with details requested by TD Bank, and they reply back three or four days after, and asking for more information.

I believe they should request all required information at once, and not taking two or three days for each response. 

I also believe should have the courtesy to notify the wire transfer recipient about such delays, and expedite responses and request for updates from the sender bank. 

The original wire transfer was initiated on XX/XX/2019, and today XX/XX/2019 I am still in the " limbo '' about the status of this wire transfer. 

Sender : XXXX XXXX Acc # XXXX From XXXX XXXX Amount : {$1000.00} Date : XX/XX/2019 Recipient : XXXX  XXXX XXXX XXXX ACC # XXXX Bank Address : XXXX XXXX XXXX XXXX XXXX, NY XXXX
Product: Credit reporting or other personal consumer reports

After attempting to apply for independent contractor work with XXXX erroneous inaccurate information was intentionally given to XXXX to hinder their opinion towards hiring me. 
I have provided all necessary documentation to prove that all charges were dismissed The charges were filed against me based upon wrongful assumption and bias discrimination. All I have been trying to do since then is recover and return to work to provide for my family Checkr reports have costed me multiple employment opportunities due to their intent to place false claims against me to decrease my hiring opportunities. This is beyond reasonable and is solely based on retaliation for me attempting to sue them for all wrongdoing and damages caused by their actions. 
They basically are saying that if an individual is found not guilty or innocent they will still report it which is unconstitutional unfair and places innocent people under scrutiny by way of defamation of character. 
See attached court documents barring the states seal
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint On XX/XX/2022 sent out letter to Experian via USPS Certified Mail # XXXX # XXXX My purpose of contacting Experian was to properly address their violation of 15 U.S. Code 1681s-2- Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate ( B ) Reporting information after notice and confirmation of errors a person shall not furnish information relating to a consume to any consumer reporting agency- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, XXXX, inaccurate by reporting this transaction or experience ( charged off ) on my consumer report I have all document attached that are needed for verification along with my ID and proof of address. The response of the company was not acceptable by any means as it was clear to be a stall to disregard my concerns and demands Resolution A proper resolution would be to remove the charge offs from my consumer report I would like to enforce my rights of 15 U.S Code 1881s-2 and opt out of the reporting of this account to any third party 15 U.S Code 6802- Obligations with respect to disclosures of personal information ( b ) OPT out These are demands and I would hope that this is handled with good faith without any adverse actions to my account as we move forward in accordance to the law
Product: Debt collection

Some one keeps calling my work number, my son 's cell phone number repeatedly at all hours. Saying I was getting sued. Leaving a call back number XXXX which I looked up and is a known scam listing the same details they give when they reach my work or my son 's phone number.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XXXX but no answer was received. These items must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these items, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX 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 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 XXXXXX/XX/XXXX
Product: Debt collection

Open collection with ( I C SYSTEM ) a balance debts that is not mine. ( XXXX XXXX XXXX XXXX Never had a credit account with this creditor.
Product: Debt collection

Bank of America is the entity that holds my loan. My home was destroyed in a fire on XX/XX/year> and the insurance proceeds from that ( approximately {$200000.00} ) has been held in their escrow account. Bank of America transferred the Loan servicing to several entities and I ultimately ended up with XXXX XXXX. Due to violations found, errors and delays, a loan modification I had been in took 9 years to modify. XXXX XXXX tampered with inspection documents and falsified inspection information to withhold releasing my rebuild money. While the cost to rebuild significantly increased, I was never given a proper accounting with the interest accrued from the approximately {$200000.00} of insurance proceeds of mine that they have held for over 10 years.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX a collection that had already been removed from my credit reports have appeared again with the same company. The Name of the collection agency is called XXXX XXXX With an account # XXXX I have never dealt with this company before and have no idea what it is for. However it appeared last year and was removed last year. Today it re appeared on all three of my credit reports from XXXX, Equifax and XXXX. I am requesting this account be removed from my credit report as soon as possible. Thank you
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXX  XXXX, CA XXXX XXXXXX/XX/2024
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from the identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
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  This CFBB Complaint is to notify you if you do not REMOVE the listed items on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance.
Product: Credit reporting or other personal consumer reports

I contacted XXXX XXXX XXXX in XXXX about a car lease on my credit report that I never applied for and asked for the original copy of the credit application so I could see who opened this account in my name if you look at my credit report I was never late with any of my payments until this issue now it is in collections the address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX tel XXXX I never received the the copy of the original credit report I would like to have this account removed from my credit report
Product: Checking or savings account

I opened a checking account with TIAA Bank on XX/XX/18 with promotion that stated : " {$150.00} bonus : Offer details Open and fund your first Yield Pledge Checking account with the required minimum opening deposit by XX/XX/2018 Then make direct deposits totaling at least {$1000.00} within 90 days after account opening Mention offer code XXXX when opening the account Your cash bonus will be deposited into your account within 120 days of account opening, as long as your account has remained open and in good standing ''. 
I completed direct deposits, but never received the bonus. 
Now the bank is saying that {$5000.00} opening deposit was required to get the bonus, although it was never mentioned in the offer details. They say that " required minimum opening deposit '' actually meant {$5000.00}, however it's not clear how I was supposed to know that. When I opened it online it was also never mentioned about {$5000.00} requirement during the opening process. 
I believe this is a scam that bank used to attract customers and to avoid paying bonuses.
Product: Money transfer, virtual currency, or money service

I wish to practice my right as a customer of Wells Fargo Bank to use your organisation 's service, seeking a formal, impartial investigation to amicably settle my dispute ( Ref : XXXX )
Product: Debt collection

XXXX XXXXXXXX XXXX XXXXXXXX XXXX This Account is Old and Outdated and the Credit reporting agency has kept in on my profile
Product: Credit reporting or other personal consumer reports

XXXX and Equifax failed to investigate errors on my credit report. XXXX XXXX Bank has reported a failed late payments on my credit report. XXXX has refused to update my payment history correctly as paid in full I have sent in many documents showing how XXXX XXXX XXXX has been reporting incomplete information on Equifax in the payment history they failed to report on time payments. XXXX and Equifax has different payments dates reporting. 

This is my late warning be I sue them. I spoke with my lawyer, my lawyer 's documents will reach XXXX and the credit reporting agencies immediately concerning this issues. All previous documents will be in the attachments.
Product: Mortgage

1 ) Nationstar Mortgage LLC d/b/a as Mr. Cooper, the mortgage servicer, lost XX/XX/XXXX payment and refuses to admit it. Please see following : XXXX XXXX billing statement, USPS receipt and Certified Mail ; signed and postmarked Certified Mail ; Return Receipt Requested green card ; copy of XX/XX/ most recent letter to servicer again explaining situation. 

2 ) Further, on XX/XX/, Nationstar sent me a Escrow Review Statement showing a shortgage after the XXXX payment of the 2nd installment of XXXX taxes of {$1200.00} when, in reality there was an excess after their XXXX payment and they want to increase the monthly tax escrow deposits in an amount to accumulate an excess of {$1500.00} or 16.7 %. This should be considered excessive. ( See XX/XX/ letter. ) Copies of the Escrow Review Statement and my, separate analysis indicating a lower monthly tax escrow deposit also follow. Home owner 's insurance premiums are paid directly by me and are not included in the escrow. The policy is current. 

Instead of resolving this problem, Nationstar has notified me that it has sold the rights to service my mortgage to XXXX XXXX XXXX XXXX XXXX of XXXX XXXX,XX/XX/XXXXUT effective XX/XX/2020. I expect trying to resolve these issues with a new servicer will be nearly impossible, especially the lost payment which XXXX XXXX XXXX does not have in their possession, and would require an extensive amount of time. In the meanwhile, they may be likely to report late payment to the credit bureaus. 

There are 8 pages of attachments.
Product: Credit reporting or other personal consumer reports

Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. BANK OF AMERICA XXXX was reporting inaccurate information on my credit report in violation of Federal Law. This was frustratingly unacceptable, in accordance with FCRA you must provide accurate information accordingly.