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

On XXXX XXXX, I made the mistake of opening a new Capital One 360 account right from the online banking set up from CD 's I had for a number of years before I closed them. I elected to fund the new savings account via mobile deposit on XX/XX/XXXX with {$1500.00} drawn on my XXXX XXXX XXXX XXXX checking account. I felt insulted and targeted and in the email I received from CapitalOne 360, made to feel like a criminal. In their email, they stated : " We noticed you made a deposit into your account ending in XXXX on XX/XX/2022. 
After thoroughly reviewing the deposit ( s ) and your account, we've determined there's a risk that the deposit will return. To protect you, we've delayed the availability of all or part of {$1500.00} until XX/XX/2022. You don't need to take any action. '' I was insulted and belittled and targeted. The very scary thing was I received an email on XX/XX/XXXX Ref XXXX. This email stated : '' We noticed unusual activity on your account ending in XXXX. For your protection, were restricting your Capital One Bank account ( s ) until we verify some recent activity. A restricted account may prevent you from withdrawing money or completing pending transactions, though you can still deposit money. 
Please call us at XXXX as soon as possible so we can verify this recent activity. We're available Monday through Friday, XXXX XXXX XXXX XXXX XXXX. and Saturday XXXX XXXX XXXX XXXX XXXX 
Thanks. 
Capital One XXXX XXXX XXXX XXXX XXXX, NV XXXX '' This infers I am a criminal and my funds would be restricted forever. I then called the number this morning, spoke to XXXX who informed me they are unable to access accounts. Scary to say the least. He gave me a case # XXXX. I told him I wanted a call back when they had their systems working. No call back. I then called back inthe afternoon and spent a very wasteful half hour with an off shore call center. That person lied to me and said every deposit needs to be verified. The XXXX couldn't even look up the bank phone numbers. I hade to give him the phone numbers and he said he would calll them to verify. I told him that my first deposit for XXXX had already been paid. The 2nd deposit was for XXXX and had not yet been paid. The XXXX for my checking account had also been cashed. He lied and promised to call me back. Needless to say, he did not. At this point, I am very fearful and believe CapitalOne will not give me access to my money. I need the help of the CFPB to find out why they are treating me like a criminal and also if and when I will have access to my money. Based on the shoddy way I was treated by Capital One 360, I no longer would every want to have any accounts with them. I will withdraw my funds as soon as they decide to release them. I also want my name with them cleared. 

I attached a copy of the deposit that CapitalOne incorrectly and maliciously thought would be dishonored.
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. Dispute using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these funds was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has 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: Credit reporting or other personal consumer reports

[ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ Experian ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Reinvestigation and Validation of Procedures Dear [ Experian ] : I am writing to you regarding the previous investigation conducted on [ specify the subject of the investigation, such as credit report, debts, etc. ]. Despite my request for verification and updates to certain incorrect or unverified information, the requested changes have not been reflected. 

Under the CARES Act, FCRA ( Fair Credit Reporting Act ), and TILA ( Truth in Lending Act ), I request that you provide specific documentation and the methodologies used in the verification process. This request aims to ensure that the information reported complies with current regulations and that the data reflected on my account is accurate and properly verified. 

I believe that the current data negatively impacts my financial profile, and according to the FCRA, I have the right to a fair, accurate, and complete investigation of any disputed information. If you can not provide documented and clear evidence of the accuracy of the information, I urge you to promptly delete or correct it. 


Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation. 
Thank you for your prompt response and for sending the requested documentation to proceed with this matter. 

Sincerely, [ XXXX XXXX XXXX ]
Product: Credit card

Synchrony Venmo Card : My account was closed the card was removed from my Venmo profile. Because I had opted to recieve electronic statements, I can not access my statements now to see how much I owe or how much cashback I got. They sent me a text message and email to update my address but it is the same address I signed up with. I feel that they are either incompetent or wasting my time. If you already have my email, why won't you send me a link to access my statements? You can easily verify my identity via several software vendors out there.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report stipulates that the credit card company noted my credit card was over the limit by {$38.00}. First off, no transaction should go through if I had a limit ; that's on them! Secondary, they reported this 3 weeks before the next billing statement oppose to contacting me or cancelling the actual transaction. I've had this card for nearly 12 years, never late and they contacted the credit reporting agency prior to the due date of the next statement. I am outraged! This is not the first credit card to do this and it won't be the last because any credit card company will continue to do the same after viewing my credit report. Furthermore, I know the credit cards have increased their interest charges and this notation on my credit report will only lead to the other companies raising my interest rates, denying me any future credit cards as well as lowering my credit score. I've had XXXX lower my XXXX XXXX dollar credit limit to {$2200.00} and they imposed 2 separate interest rate fees for the same balance on the billing statement while raising my interest from XXXX to XXXX percent. I received no notice whatsoever and while demanding that they forward the statements to me, it took 8 months to do so when I told them I would contact you. They did this in a sneaky way considering everyone has gone paperless in todays world. I have never been late with any of my credit card companies, I have a great standing on my report with all credit card companies being paid on time, never late and they had the audacity to imposed limitations on me and try to destroy my credit. Because of this nonsense I am now a target for anyone who reviews my credit report. It will become discriminatory! They have scarred my name and any time I will need to apply for any card or loan I will be the subject of a review. 
This needs to be resolved immediately because I am not the only one going through this. I've had 2 other credit card companies lower my credit limit while raising my interest rates and imposing a " over the credit limit on my report '' without having any knowledge of such. I wasn't informed! This is an obstruction of Justice and they should be reprimanded and fined. They are all following the same pattern because they are getting away with it!
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a total of 12 perkins student loans on my credit report, 6 of the student loans being reported as DEPT OF ED/XXXX with a partial account number of XXXX were transferred and closed, and the other 6 that are being reported as DEPT OF ED/XXXX/XXXX are the same as the first 6 student loans, they were just renamed and paid in full. These student loans are Perkins student loans and they have a zero balance, in the year 1965 a law called The Higher Education Act was put in to action to help low income students. This federal law called the higher education act, allows me as a borrower of money from the department of education to get all of these student loans deleted from my credit report once they were paid in full. These are not private loans, these are federal loans, and since these loans are Perkins student loans, by this federal law, all of these must be deleted from my credit report. I want all of 3 of the major credit bureaus, ( XXXX ), EQUIFAX ), ( XXXX ), to delete all of these 12 student loans and obey the Higher Education Act Law.
Product: Debt collection

I scheduled a payment for my Discover card on XX/XX/XXXX, and on XX/XX/XXXX they charged me again for the same month 's payment. When I called to demand a refund for this charge, they indicated I would receive a check in the mail within MAXIMUM 10 business days. I called back today to check on the status ( since it has been more than 10 days ), and the representative indicates they still have not issued the check since it needs to be reviewed before the funds are released. This means that I am now unable to pay another XXXX bill from a different creditor, and Discover sees no issue with this. They claim that the FASTEST repayment method is to MAIL a CHECK, but I do not see how that is factually true. In summary, Discover double-dipped in my monthly payment at a time when I have no financial means to recover this payment and therefore they are causing me financial distress as a result of malicious business practices and deceptive customer service representatives
Product: Credit reporting or other personal consumer reports

I am formally disputing inaccurate and fraudulent information on my credit report. As a survivor of XXXX XXXX, certain accounts and debts were incurred without my knowledge or consent. These fraudulent accounts and derogatory items continue to harm my credit profile and do not reflect my true financial behavior. 

Key negative items include : 1. **Accounts in Dispute : ** - XXXX XXXX XXXX XXXX XXXX inquiry ( XX/XX/year>, Experian ) - XXXX XXXX XXXX XXXX ( XX/XX/year>, Experian ) - XXXX Open inquiry ( XX/XX/year>, XXXX ) XXXX XXXX of XXXX XXXX  Open inquiry ( XX/XX/year>, XXXX ) XXXX **XXXX XXXX XXXX** XXXX XXXX {$840.00}, XXXX ) - XXXX XXXX XXXX XXXX XXXX ( {$1400.00}, Experian ) - **XXXX  XXXX XXXX ( Late 180 Days, Experian ) XXXX. **Personal Information Discrepancies : ** - Incorrect names and addresses across all credit bureaus, including : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX **Fraud Alert : ** - A fraud victim alert is active on my **Experian** file, confirming fraudulent applications may be submitted in my name without my consent. I have been a victim of identity theft as part of the human trafficking ordeal.

4. **Negative Credit History : ** - Several derogatory marks are listed under collection agencies, including XXXX XXXX XXXX and XXXX XXXX XXXX which were incurred under duress.
Product: Credit card or prepaid card

Today is XXXX XXXX and I checked my email and got an alert that a lender reported a new account. I checked through XXXX XXXX  and XXXX XXXX  and I did not open this latest account with bestegg. I think someone has used my identity to do this. My XXXX account was highjacked several weeks back and maybe that has something to do with it. I wanted to report this as soon as possible.
Product: Credit reporting or other personal consumer reports

I am writing to dispute a late payment on my credit profile for Kikoff. I was never late on this account and I asked Kikoff directly to update this on my credit profile in which they refused. 15 U.S. Code 1681a - Definitions ; rules of construction states : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Furthermore, I did not give written consent for them to furnish this on my credit profile which is another violation. Permissible Purposes- They are not to furnish a consumer report without my written instructions. ( 15 U.S. Code 1681b ( 2 ) In accordance with the written instructions of the consumer to whom it relates. ) It is also a violation of my privacy. According to the FCRA : Privacy - As a consumer i have the right to privacy, my financial information is private and confidential and should only be shared between me and the financial institution that gave me the credit. 
I ask that you please update this account to paid as agreed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Previously, I made an investigation regarding these accounts with inaccurate information and after checking your responses I recognized that the same accounts are still incorrect, with a confirmed status. Please correct the following accounts listed below : XXXX XXXX Balance : {$740.00} XXXX  XXXX XXXX Balance : {$550.00} XXXX  XXXX XXXX Balance : {$490.00} XXXX XXXX XXXX Balance : {$3400.00} XXXX  XXXX Balance : {$13000.00}
Product: Credit reporting or other personal consumer reports

In XXXX myself and my family rented a home at XXXX XXXX XXXX, XXXX, NC XXXX through XXXX XXXX XXXX XXXX and was managed by XXXX XXXX XXXX. Around late XX/XX/XXXX we discovered really dangerous mold from in the home and was told to vacate the home until the XXXX would fix this mold. XXXX refused to fix the mold. XXXX never fixed the mold causing me and my family to live in a home with Mold for almost XXXX  years after this. 

During XXXX XXXX pandemic I suffered from hardship financially and got behind on rent payments. XXXX offered all of its tenets who were owed rent a chance to clear this up if they paid a certain amount of money. I paid them the payment and XXXX XXXX  took my money and told Me and my family to vacate immediately. They put the eviction on my record and it's been nearly impossible to rent anything ever since this incident. 

Please proof of documents below.
Product: Credit reporting or other personal consumer reports

Please verify and validate debt : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I trust this letter finds you well. I am requesting verification of the alleged debt, specifically, a copy of the original purchase agreement.Please be aware that the agreement must be with original creditor and signed by all parties involved. I am requesting this because I've had other agencies reach out to me in regards to the same debt. Also I kind request that you also send the following : 1.Verification of the original creditor, XXXX XXXX2.Detailed proof of the amount owed, encompassing any fees, interest, or additional charges.3.Clear documentation establishing XXXX XXXX XXXX to collect this debt.4.Copy of The DEBT Purchase AgreementI am also requesting deletion of all prior reporting made to any of the consumer reporting agencies i.e. XXXX, Equifax, XXXX, XXXXXXXX XXXX Please cease all collection efforts until this allegeddebt is validated as accurate and complete.Thank you for your cooperation in this matter.
Product: Credit card or prepaid card

I want tp request for an investigation of this accounts. ( WELLS FARGO BANK CAR XXXX Opened Date XX/XX/XXXX Balance {$180.00} & WF CRD SVC XXXX Opened Date XX/XX/XXXX Balance {$870.00} ) I would like you to review this reported account. This was undoubtedly placed as charged-off account, yet there is a balance indicating on the statement. There must be a payment history that would show a past due of 120 days for this account. You are reporting mistaken information on this account. Reports should be 100 % accurate based on the Fair Credit Billing Act. Any erroneous information about this account should be removed immediately unless verified.
Product: Credit card or prepaid card

I spoke to a representative for Citibank in XX/XX/2021 for any relief options available for both of my exceedingly delinquent credit card accounts ( Citi XXXX credit card ending in XXXX and Citi XXXX ending in XXXX ) due to Covid-19 unemployment. The representative offered a payment plan and with that payment plan, my accounts would be what he referred to as " re-aged '' after 3 consecutive monthly payments, after which my accounts would be reported as current. With a small sigh of relief, I accepted the payment plan for both of my only two Citi credit cards. After seeing my credit score drop to an incredible XXXX, on XX/XX/2021, I called to check when I could expect my accounts to be re-aged and brought current. I was promptly informed that my accounts were not in a re-aging program and that I was provided misinformation for my payment plan. Certain there was a mistake, I called back the next day and requested to speak with a supervisor. I was connected to the " escalated info team '' and was given the same answer. I then requested that the 6 delinquent payments that had been reported to my credit since XXXX be removed due to the misinformation I received when I accepted the payment plan. I was declined my request. I would have managed my finances much differently, to pay the lesser delinquent balance so as to not have 2 delinquent payments reported per month, as well as made substantially higher payments.
Product: Credit reporting 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 {$380.00} collection bureau of a 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: Mortgage

In XX/XX/XXXX, I submitted a refinance application with Chase Home Mortgage. 
The refinance closed in XX/XX/XXXX. 

My first application request was closed. My second application request, Chase offered a higher interest rate than the first application. My third application request was processed after 16 monthly recertification of all my financial documents. This long process prevented me from maximizing the use of my credit in order to avoid having my application declined or rejected. 

As a long-standing loyal Chase client XXXX my application should have been streamlined for expedited processing. 
This 16 month process resulted in unnecessary excessive payments of a higher interest rate,
Product: Credit reporting, credit repair services, or other personal consumer reports

CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX SageStream , LLC XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX Fax # : ( XXXX ) XXXX RE : UNAUTHORIZED INQUIRY To Whom It May Concern : I reviewed a copy of my credit report and XXXX XXXX XXXX ran an unauthorized credit inquiry on me on XX/XX/XXXX, XXXX   XXXX XXXX ran an unauthorized credit inquiry on me on XX/XX/XXXX,  XXXX XXXX ran an unauthorized credit inquiry on me on XX/XX/XXXX, XXXX  ran an unauthorized credit inquiry on me on XX/XX/XXXX, XXXX XXXX XXXX XXXX ran an unauthorized credit inquiry on me on XX/XX/XXXX, XXXX XXXX XXXX ran an unauthorized credit inquiry on me on XX/XX/XXXX, and XXXX XXXX XXXX ran an unauthorized credit inquiry on me on XX/XX/XXXX. 
I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact the companies listed above and investigate these occurrences.

I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. In addition, as part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly.
Product: Debt collection

Direc Management INC has been inaccurately and unfairly reporting a joint account which they claimed I am remain in debt too. The beginning amount owed, according to their reporting, was {$1800.00} dating back to XX/XX/XXXX. 

Since this time Direc Management INC has increased the balance by {$5.00} each month in an attempt to cause further harm to our ability to earn new credit and receive the best interest rates available. The current balance as of XX/XX/XXXX is {$2300.00}. My first attempt was received on XX/XX/XXXX via certified mail USPS ( XXXX ). Direc Management INC responded on XX/XX/XXXX by sending an itemized document, as per FTC opinion letter from Attorney XXXX XXXX XXXX, a printout of a bill or itemized document does not constitute verification. 

Therefore Direc Management INC failed to provide a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. The itemized documents, sent to me and the co-applicant, contained conflicting dates of first delinquency and amounts claimed owed. 

A second attempt was delivered via certified mail USPS ( XXXX ) to Direc Management INC on XX/XX/XXXX, again requesting validation and, additionally, names and addresses of each person who personally verified this alleged account. 
Direc Management INC failed to respond. 

Laws I can potential files suit for : 1 ) Metro 2 Compliance 2 ) US Court of Appeals - XXXX XXXX, No. XXXX, XXXX vs. XXXX XXXX 3 ) FCRA Section 623, FCRA Section 605 ( c ) 4 ) FDCPA Section 809 ( b ) FTC opinion letter XXXX From XXXX. 

FCRA rules allow for up to {$1000.00} per violation. Small claims actions are not allowed to cover attorney fees.