23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted enclosed notarized copy to each credit bureau Experian, XXXX, XXXX   requesting immediate removal of fraudulent accounts reported on my consumer credit report file. 30 + days later these accounts are still reporting to my credit. Surely it doesnt take 30+ days for verification of these accounts all of these accounts were fraudulent opened online. Please do your due diligence and you will see that the original address for all these accounts were a fraudulent address. I had a private investigator to research the address of XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX Please see my second request letter enclosed ( attachment ). I'm requesting the credit bureaus either show me proof of a signed credit application where I open these accounts or remove off my credit file immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I sent in a dispute letter to XXXX asking them to provide proof of verification as to how they verified the bankruptcy on my credit report. I never received a response from either party regarding proof.
Product: Money transfer, virtual currency, or money service

Ive been a customer at Bank of America since it was XXXX XXXX in 1990. Ive had the same account Ive never had fraud. Ive never had anything suspicious anything out of the ordinary in my account and on XX/XX/XXXX from the hours of around XXXX  until the following morning I had 97 transactions ranging from $ XXXX {$48.00}, taken from my account via XXXX XXXX with a XXXX XXXX  name of XXXX XXXX reverse transaction so therefore the bank was even confused thinking it was something that was already in the process of being reversed, but they were using it as their name to clever to trick and did not worry about wouldnt think it was anything to the point Not only overdrawing my account but 97 transactions totaling {$3700.00} I disputed the transactions without even a days time Bank of America declined all of them and told me that you know the final and it just doesnt seem right to me. Ive been at the bank for 34 years never has happened now that I am XXXX XXXX XXXX and I feel like theyre not concerned or theyre not trying to help me because Im XXXX  now and I guess Im not a priority. I feel like they robbed me blind and they allowed it to be done almost like maybe its possibly an inside job with somebody in the bank I dont know but its XXXX XXXX XXXX. Id barely know how to use XXXX XXXX and I take out 97 transactions overdraw my account. Im not retired, but I dont make money like I used to when I was younger and I cant afford to lose money like that and just be pushed to the wayside and absolutely nobody care or be able to give me a reason as to why not..
Product: Checking or savings account

ON XX/XX/XXXX I OPENED A CHECKING. EVERYTHING WAS GOOD. 
ON THE XXXX THE XXXX I DEPOSITED A CHECK FOR {$1200.00} INTO MY WIFE 'S ACCOUNT. THE CHECK WAS RETURNED UNPAID, THE REASON IRREGULAR SIGNATURE.ON XX/XX/XXXX I MADE ANOTHER CHECK FOR MY BROTHER FOR {$430.00} CHECK WAS PAID. ON XX/XX/XXXX I DEPOSITED ANOTHER CHECK FOR {$1200.00} TO COVER FOR THE RETURNED CHECK. I ALSO VISITED THE WELLS FARGO BRUNCH TO MAKE SURE THE CHECK GETS PAY IF IT IS ANY PROBLEM TO PLEASE LET ME KNOW. THE VISITED TO THE WELLS FARGO BANK WAS A WASTED OF TIME. AGAIN THE CHECK FOR {$1200.00} WAS RETURNED UNPAID SOME REASON IRREGULAR SIGNATURE. THE TWO TIMES THAT THE CHECKS WARE RETURN BY WELLS FARGO BANK UNPAID CREATED A LOT CHARGES TO MY WIFE BANK ACCOUNT XXXX  XXXX  XXXX. {$200.00} I DON'T UNDERSTAND WHY WELLS FARGO BANK NEVER CONTACT ME ABOUT THE RETURNED CHECKS THEY HAVE MY E-MAIL MY CELL PHONE.
Product: Debt collection

I did not receive this service that I am being charged for. I attempted to contact this business to dispute this, but they had gone out of business. I was referred to this agency for XXXX, but they closed business before providing me with the service required. They were not very business minded. This is probably why they went out of business.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have several times and long time to request and to fix the credit that has been in the credit reportfor a long time and they dont respond back ever. please see previous complaint # XXXX complaint againts XXXX, XXXX XXXX EXPERIAN
Product: Money transfer, virtual currency, or money service

My robinhood account was closed but I have $ XXXX on my account that I can not withdraw. Please allow me to withdraw my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been going back and forth with privacy rights violators, I want to know whom did you speak with to upgrade the two XXXXXXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX and XXXX did an investigation and deleted both accounts..Im inclined to assume you guys fell short of your duties.remove all adverse accounts from my credit report U.S.C 1861 you people in your cult over there are violating my rights expedite it .My next step is law suit.Im a living breathing Devine being having a human experience not a computer algorithm you can disregard and and half XXXX in your work
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Recording act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

Account : # XXXX XXXX XXXX XXXX, # XXXX XXXX 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 ; It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 C. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681 s-2 ( A ) ( 1 ) 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
Product: Debt collection

Being sued by Pressler and Pressler LLP for balance owed on my hospital bill. I do not speak XXXX and at the time of my XXXX i was told that my out of pocket balance was {$1200.00} which i paid as my daughter was there with me and she translated for me. I received a notice of being sued and called with my daughter and was willing to pay the balance but now they added over {$500.00} for their fees. The doctors office " XXXX XXXX XXXX XXXX '' knew i did n't speak or read XXXX and told them to contact my daughter. They never contacted her but send me over to an agency that is suing me now. I am willing to pay what is owe for the procedure but not the additional charges. XXXX XXXX XXXX said my out of pocket balance was only {$1200.00} and not the additional {$1600.00}. Also, XXXX surgical should have called my daughter to get this resolved instead of sending it to Pressler and Pressler LLP so they could add additional {$500.00} plus.
Product: Debt collection

I settled and paid my XXXX XXXX XXXX debt in full with the previous debt collector, back in XXXX of 2021. The debt collector by the name of Radius Global Solutions LLC recently started harassing me attempting to collect the debt that I don't owe any more.
Product: Checking or savings account

I deposited a check for my mom in my checking account in XX/XX/XXXX. She asked me to deposit the check because she didn't have a bank account to do it herself. I agreed. However, I told her I didn't know how long it'd take to clear. ( I was anticipating that it would be clear the following business day as per the bank 's policy. ) But, that didn't happen. I unfortunately deposited the check past the allowed time frame for it to be available in ones 's account the following business ( XXXX XXXX ). Fast- forward -- I gave her back the check and told her to cash it instead if she couldn't wait for it to clear in my account. I was fine with the check being returned. My mom proceeded to cash the check and got the funds. The check had cleared unbeknownst to me the following business day. When I told her, she felt bad that she had cashed it because it had cleared in my account. After a few weeks, the check cashing place, XXXX, had called her and told her the check had been passed twice, and that she owed them the entire amount of check. My mom immediately took her next check and paid them in full. XXXX received payment and the issue was resolved in XX/XX/XXXX. Bank of America NEVER sent me any correspondence regarding the check having ANY issues whatsoever until XX/XX/XXXX. I noticed that my checking account was overdrawn by {$410.00} ( the amount of the check back in XXXX. The difference is {$9.00} because I had {$10.00} in my account before it was overdrawn ). I immediately called them and asked what happened. The lady I spoke with said that I'd have to wait for " it '' to process ... Evidently the check was charged back to my account, so she didn't make any sense. So, I asked to speak to an available supervisor. A guy name XXXX came on the phone and I began to explain the issue. He listened but also reiterated the same thing the last representative said. I told him that XXXX had gotten their money back, so that dispute was corrected promptly. ( I even offered him the number to call them himself to corroborate my story, which he didn't do ). It was a mistake, but everyone got their money, including Bank Of America. Actually, XXXX said the same thing of, " the check was passed twice ), thus my mom had to pay them back. I am upset at the fact that it took 3 months for this to even happen. Why wasn't this brought up a lot sooner, if it were a problem? I am not PAYING a single penny back to Bank Of America because I do not owe them anything. I asked if that could be removed and I was told, " no. '' I am very displeased with how I am being treated. Bank of America should do their due diligence before making such poor business decisions. I can not use my account without having to pay {$410.00}. Grossly unprofessional and sheer negligence.
Product: Credit card or prepaid card

I've disputed this issue with this credit card. It is showing as if it is still open and active. I see last payment is 2017 of XXXX. I did not open this account and have not been sent a copy of original contract with my signature or anything. Now I've been patient with this company. The total of the card is almost {$2000.00} but it is saying right now I've used up {$1300.00}. I need this issue to be addressed. If someone has this card is using it, it is in my name and on my credit report with this account being open.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to resolve this from XX/XX/2022 Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I have sent the company multiple notices I have sent XXXX a copy of the police report as well as the FTC Report as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

LOOKED AT MY CREDIT REPORT AND SEEN ACCOUNT I NEVER OPENED
Product: Checking or savings account

I was in process of purchasing my first home. Lender had offered me a home insurance policy prior to closing date and the amount it would cost I followed up by shopping my own insurance for home I purchased home insurance through different company contacted my lender told them of purchased insurance and corresponding information to access the insurance binder. I also asked them to not purchase the insurance that they offered to me for home I said i was not interested I have it in writing I also have it in writing that they said that message was recieved that i was not interested. I shared new insurance for home this was all taken cared of weeks before closing date. I closed on home and about 1 1/2 months in when making first payment i reviewed billing statement and escrow payments and funds. Noticed that there were 2 open home insurance policies the one bought and the one they were trying to sell me. Payment was made in full to wrong company using my money i placed in escrow. I contacted both Citizens Bank and XXXX XXXX XXXX company to compensate me for error and have the insurance closed I was notified payment has already been received and they would close the account a check would be mailed out to me. I received the check in return there was not a full refund with approx XXXX $ difference what should i do next I am positive this is either human bank error or the old who gets an envelope game that is all so common in todays real estate market
Product: Mortgage

BSI Financial bought my mortgage from another company. ever since they have stated that I have not made payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Made a dispute with XXXX on XX/XX/XXXX regarding an unapplied payment made for XX/XX/XXXX on XX/XX/XXXX against the advice of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX due to company doing an " accounting '' of my account. By law a lender must apply any payments received XXXX did not apply the payment which l received back a closing since l sold the property to get rid of XXXX due to the problems that l had with them since XX/XX/XXXX which they charged me lender insurance when l had homeowners insurance through XXXX XXXX for years before this company took over my loan which was sold to XXXX. l have made over 40 phone calls to XXXX asked for accounting of my account and XXXX " investigations ''. I have never received a call or any letters from XXXX. l am disabled and am on additional XXXX XXXX XXXX and now on XXXX XXXX  due to the months of stress. I made a payment and XXXX never applied it and XXXX is showing maximum delinquency which is incorrect. l did my part of making a payment the most the XXXX should show is 30 day late payment however there should be no delinquency since XXXX advised me not to make a payment. The property closed on XX/XX/XXXX and XXXX  was paid off. All they did was lie to me they never contacted an accounting or any investigation of any kind, l was told they were cancelled right after l requested it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX  are reporting incorrectly a collection in the amount {$45000.00} on the US DEPT OF ED partial account number XXXX and a collection in the amount of {$38000.00} on the US DEPT OF ED partial account number XXXX. ( Please see page attached from my credit report. ) The balances reporting are absolutely incorrect. On account ending in XXXX the credit limit was {$13000.00} and now the past due balance is being reported at {$45000.00}. On account ending in XXXX the credit limit was {$10000.00} and now the past due balance is being reported at {$38000.00}. This false reporting of collections is seriously harming my credit score and these accounts need to be taken out of collection status and the account balances need to be reporting accurate information! Please update and/or remove these line items from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Credit reporting or other personal consumer reports

Regarding the XX/XX/2024, issue I had with Nordstrom for purchasing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and necklace, my account was credited for the full amount. However, Nordstrom reported my account late to all three credit bureaus. I filed a complaint with XXXX and was informed that the information reported was correct and that they would not change it. After their Nordstrom investigation, my dispute was settled, and my account was credited. Hence, the negative report to all three credit bureaus should also be corrected. 
See below for the previous report I filled. : On XX/XX/2024, I purchased an XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX for my son. According to Nordstrom, the item was delivered to my home. I checked with all my neighbors and no one saw the package. I called Nordstrom several times and informed them I had not received the item. I filed a dispute and was denied. I was told by XXXX XXXX customer service financial service supervisor that once the item is shipped out, Nordstrom is not responsible for it. I was also told to go to my local police Precinct and file a report. I did and was informed that because of the high volume of petty theft in my neighborhood, they were unable to take the report. I also informed Nordstrom that in my neighborhood there are several persons with the beginning of my address and what differentiates the homes is the street number, because the XXXX delivery takes a picture it does not necessarily mean it came to XXXX XXXX. I went to several XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX and asked about the package and no one seemed to have gotten it. I was charged late fees and Nordstrom has placed a late payment on my credit report because of this item. I have called them several times but no one is willing to help. It is difficult for me to pay for an item I did not receive. Purchased online on XX/XX/2024 Order # XXXX | XXXX item
Product: Mortgage

I applied for two refinance loans with Cardinal Financials in XX/XX/2021. They have been going back and forth and delaying the process for close to 5 months. I have been very much on time in providing all the docs they need and I have good credit score and financials. 
I think the main reason they have delayed this process so long is that the rates have gone up since then and they are trying to avoid closing the loan at the rate that we locked. In the mean time I have wasted significant amount of time and note given the higher rates I will be losing money if I switch to another lender. 
It seems like this is a normal practice for cardinal financial to offer low rates online to attract people and then if market changed and rates went up they delay the process by so long that applicants give up..
Product: Credit card or prepaid card

XXXX XXXX, XXXX I attempted to make a {$20.00} payment towards my account as I have been in a financial struggle. Customer Service agent who I spoke with stated that as long as I make a payment of any amount that my account would remain open. XXXX/XXXX/XXXX I attempted to make another payment and upon accessing my account it stated it was CLOSED. I never received email notification or written letter notification of my account being in jeopardy of closing. No phone calls were made. My minimum due is {$220.00} and a service representative stated that I could make small payments $ XXXX- {$30.00} per month to get the minimum amount due paid. I spoke to a representative today XXXX/XXXX/XXXX who argued with me and said once an account is closed it ca n't be reopened. I know for a fact it can. 

I am attempting to pay the debt off and instead of keeping it open for me to do so they closed it. Closing my account has significantly affected my credit score. The rudest customer service representatives and a Supervisor who would n't answer my questions.
Product: Debt collection

Good Afternoon, I am filing a complaint on Alpha Recover Corp for contacting me illegally pertaining to my siblings debt. They called me this afternoon, at work, telling me that it would be in my siblings best interest if I provided them information of where my sibling was. They have been contacting my sibling so they already had my siblings information. I then asked followup questions and they provided me their companies name ( https : //www.alpharecoverycorp.com/ ). It 's clear from their website that they are a debt collection agency. 

My main complaint is a concern of how they received my personal cell phone number. It is unclear how they got it and I 'm deeply concerned of how they are obtaining other family members information. I confirmed with my parents that they were also called. So they are working down some sort of a list that they did not get permission to have from the actual individual being contacted. 

Debt collectors have legal requirements to meet and after reviewing I believe that this company is acting outside of those bounds.
Product: Credit card or prepaid card

I had a capital account for over 15 years, in which I almost never missed a payment. 
This XXXX, after paying more than the minimum due, I wanted to cover additional amount, in addition to my initial payment. 
The problem was that I didn't have online access to my account, and couldn't exactly when amounts were credited to my account. 
I twice made payments, but shorty before the funds were creidted to my capital one bank account, so eventually, they weren't credited to my capital one credit card account. 
A few days later I made a payment of my full balance of around {$10000.00}. 

Yet when trying to use my account, I wasn't able. Only when calling capital one I found out that they closed my account unilaterly after 15 years that I never missed a payment, because of those two ADDITIONAL payments I tried to make ( in addition to an additional payment years before that didn't go through. 
This unilateral action after 15 years without missing a payment really got me stuck in the middle of travel with no credit card, and they couldn't due anything about it. 

I hope you can correct this situation, and make sure that Capital One would not due this to its other loyal customers.