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

Capital One Bank has frozen my checking account due to what they say was a fraudulent transaction reported from a XXXX Bank customer. Who sent me a XXXX payment of {$200.00}. On XX/XX/XXXX a XXXX transaction came into my account. This is what they called fraud now my account is frozen due to someone else sending me money makes no sense. 

Capital One Just froze it as of today XX/XX/XXXX. XXXX at Capital One told me to call the person ( XXXX XXXX ) who sent the zelle to resolve the issue and I said. If the person mistakenly sent me money how did I do anything wrong and if they sent money to my account how is that fraud? I said so all I have to do is send them their money back to have my account unfrozen? XXXX at Capital One had no answer nor explanation. But instead of understanding my frustration XXXX at Capital One made it to where I could not have an account ever again with Capital One. 

Because of a few choice words I had said to him out of frustration. Because he could not give me a clear answer on what will be the purpose of calling the person that I don't know that sent money to my account and how could that resolve the issue, if I don't have access to my account to send them the money back. What will be the purpose. 

I even went as far as contacting XXXX XXXX person who sent the zelle payment. I told the guy named XXXX at Capital One she provided me with a claim number XXXX for XXXX Bank and that she also stated that XXXX denied and closed her claim. And that there was nothing she can do on her and to help me fix my situation. He insisted just call her but never had a resolution as to what the call would do for my account or what should I do. 

Not once did she ask me to send her any money but I offered. She did make a point to say that it must have been XXXX but they never resolved it on here end. 


It seems as though Capital One has a issue with reporting things as fraud with their own customers. Three days ago my wife received her credit card that she applied for, from Capital One. Representative told her it was fraudulent. My wife said how I have another Capital One credit card with my name on it same name as on this credit card. My wife told them we were married in 2017. That's when her last name change she provided them with driver 's license and other documents and they would not activate her credit card. 
As in my case the representatives locked the card and said it was fraud.. It took 72 hours and a lot of frustration and talking with them and she threatened to dispute it with her bank to get her money back before they activated that card It is ridiculous how Capital One treats their customers please help.
Product: Mortgage

mortgage company paid my third quarter tax bill, which was not late. since they paid third quarter tax bill I was unable to pay. I refunded the money they paid and have continued to pay my property tax, and monthly mortgage. Company has been trying to increase my monthly mortgage payment to start an escrow account. Company is taking my payment and putting in an escrow account and then reporting non payment to credit bureau. A complaint was made to the XXXX on XXXX with no response from company. Attached are my correspondents with mortgage company.
Product: Credit reporting, credit repair services, or other personal consumer reports

The issue has been ongoing since XX/XX/XXXX. There was XXXX  negative items showing on my credit report that were fraudulent and I had no knowledge of the creditor on my credit report. 
1. Vance & Huffman LLC $ XXXX Collection Agency _ original debtor ( XXXX XXXX  ) 2. Vance & Huffman LLC $ XXXX XXXX _ original debtor ( XXXX XXXX  ) 3. XXXX XXXX XXXX XXXX XXXX XXXX original debtor ( XXXX ) I contacted XXXX, XXXX and XXXX and file a dispute with them around XX/XX/XXXX. They all conducted investigations, XXXX and XXXX cleared the item from my account, however XXXX did not, XXXX state that the creditor meet FCA guideline, which was odd as the other to agency did not feel that they did, so I begin to investigate on my own around XX/XX/XXXX and find out that. 
1. Both the Vance & Huffman collection were from a company call XXXX XXXX, I phone XXXX XXXX and was able to determine that someone used my information to obtain furniture, but the original application didn't had my correct social security number, XXXX  use the a copy of licenses the perpetrators had given them at the time of application to gain my information ; I also found out the debt was over 7 year old. but the Collection agency is reporting as this debt occurred in XXXX. I contacted XXXX with the information I had obtain and they still refused to remove the item stating that there investigate result state that the credit meets the FCA guideline. 

2. XXXX XXXX XXXX, was contacted by me on XX/XX/XXXX, they were not able to give me information on the outstanding item because they said my information I gave them did not match there record, they also have report the item as being initiated in XXXX and XXXX bank has confirmed the item was older than XXXX but could not talk to me further because my information only partial matches their information in the file. Since the remove of this item from my XXXX report, XXXX XXXX XXXX has once again place the negative item on the XXXX and XXXX report. No one want to talk with me because they say my information doesn't match what on their file, however they are placing a negative item on my file, how is this possible if they don't match accordingly to the third party collection agency.
Product: Debt collection

ATTENTION DISPUTE DEPARTMENT USCB CORPORATION ADDRESS :  XXXX   XXXX   XXXX   XXXX , PA  XXXX   XXXX  #  XXXX  PHONE :  XXXX   XXXX  Your company have violated FCR A 615 ( f ) ( 15 U.S.C. 1681m (  f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.   I need this resolve, under the Fair Credit Reporting Act, these disputed items  may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person (  company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section  1681c-2 of this tit le has resulted from identity theft.     ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A   ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.   A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section  1681c-2 of this  title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.   The reference items are listed below please take this matter very serious   XXXX     XXXX  AND  XXXX  AND ANY OTHER ACCOUNT ASSOCIATED WITH THIS I have report your company to  XXXX  As a form of record and I am prepare to sue your compan y Example In re   XXXX   XXXX   XXXX ,  XXXX   Telephone Consumer Protection Act  Litigation, Case No.  XXXX , in the  U.S. District Court fo r the  Southern District of Calif ornia USCB CORPORATION Stop collection proceedings against me Signatures on applications and accounts Investigators report  XXXX ,  XXXX  SOC SEC #  XXXX  DOB  XXXX / XXXX /  XXXX   ADDRESS  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX , FL  XXXX
Product: Student loan

I have requested by phone and certified mail a copy of the original promissory note and/or contract along with any 1099 tax forms filed. I need to get my books in order for accounting and taxes. They continue to claim its a strawman or redemption or accepted for value. Totally unrelated to the information requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THESE ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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

On XX/XX/2020, it was reported that XXXX XXXX XXXX had closed my account and then added a note. This is reported on my credit report and it is incorrect. My account is active and open. I have ten payments until my lease is over. My next scheduled payment is XX/XX/2020. Also, a note was added which I am not able to see, but on my report, it shows my payment for XXXX is " unknown '' but for XXXX and XXXX its current. This needs to be corrected immediately. I made two full payments for the month of XXXX which is why my next payment is not until XXXX. This is a lazy example of XXXX XXXX inputting wrong data and not verifying nor double-checking. 

My payments for XXXX, XXXX, and XXXX were deferred but I made payments on XX/XX/2020, for {$350.00} and on XX/XX/2020, for {$770.00}. My statement for XXXX had a balance of {$0.00} and my next payment is XX/XX/2020 for {$770.00}
Product: Debt collection

On XX/XX/2020 purchased a product door to door sell of the XXXX XXXX XXXX from XXXX XXXX XXXX XXXX putting {$500.00} upfront and {$4300.00} financed through United Consumer Financial Services. On XX/XX/2020 I informed both the bank and company that I was cancelling the item. I sent an email with cancellation paperwork to the bank and a certified letter of cancellation through XXXX to XXXX XXXX XXXX XXXX on and before XX/XX/2020. I also spoke to XXXX the seller of product on XX/XX/2020 informing of cancellation and pickup of product. On XX/XX/2020 I received a letter stating my account was closed and cancelled. On XX/XX/2020 I received a call from XXXX at United Consumer Financial Services stating that my account was reopened without my consent or knowledge and I now have a past due balance of {$4300.00}. When talking to XXXX at the bank she informed my XXXX XXXX XXXX XXXX are not honoring my cancellation and therefore requested my account be reopened against my knowledge or consent. I've made more than 20 calls to XXXX XXXX XXXX XXXX and spoke to XXXX one time no one answers or returns calls. They are refusing to pick up the product as they have stated it is their responsibility to pick up their merchandise.
Product: Credit reporting or other personal consumer reports

Disputed late payment information reporting on my consumer report several times and no changes were made. In XXXX, XXXX, and XXXX I sent letters concerning the late payments. Nothings changed. XXXX and Equifax and I'm not sure if XXXX is reporting it also, late payments for XXXX XXXX # XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. XXXX XXXX  ending in XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX late payments XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, XX/XX/XXXX. XXXX ending in XXXX, late payment for XX/XX/XXXX. 
According to USC 1681S 2 RESPONSIBILITIES OF FURNISHER ( A ) ( 1 ) ( f ) Reporting information during XXXX XXXX  post national emergency covered period in which 120 days after declared over, it was over in XX/XX/XXXX. In which an accommodation clause allows to defer, forebear, modify, partially pay or get other assistance/relief.
Product: Credit reporting or other personal consumer reports

Experian- I called the customer department and they did not help remove the negative inquiries that is reporting to my credit report Inquiries for Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 called the customer department and they did not help remove the negative inquiries that is reporting to my credit report Inquiries for 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-I called the customer department and they did not help remove the negative inquiries that is reporting to my credit report Inquiries for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I was received an emailed about my information being in the Equifax data hack so I pulled my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : DEPT OF EDUCATIONXXXX - XXXX... 
DEPT OF EDUCATIONXXXX - XXXX... 
DEPT OF EDUCATIONXXXX - XXXX... 
DEPT OF EDUCATION/XXXX - XXXX... 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have attached a copy of my ID for identity verification and a bill for address verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is showing as derogatory on my XXXX credit report. I have disputed this issue and had this removed from other credit reports. The account is not derogatory. 
XXXX XXXX XXXX XXXX XXXX - BUREAU ACCOUNT DESIGNATOR individual DATE OPEN XX/XX/2010 HIGH LIMIT - MONTHLY PAYMENT XXXX ACCOUNT BALANCE XXXX LAST REPORTED - ACCOUNT STATUS 120+ days past due AMOUNT PAST DUE {$1400.00} Derogatory Contact Info : name : : XXXX XXXX XXXX XXXX address : : XXXXXXXX XXXX XXXXXXXX XXXX XXXX LA XXXX phone : : XXXX
Product: Mortgage

Hi - I have a mortgage loan ( for $ XXXX ) with XXXX XXXX which I was making payment on time via auto pay. Got a " loan transfer '' notice from Flagstar Bank stating that the loan has been transferred to them by XXXX XXXX as of XX/XX/XXXX and I have a statement from them stating the loan is due as of XX/XX/XXXX and will be late after XX/XX/XXXX. However, I did not receive a 'payoff ' or 'loan transfer ' statement from XXXXXXXX XXXX  and according to their customer service, my loan is STILL with them and I have a statement with payment due as of XX/XX/XXXX and will be late after XX/XX/XXXX. I spent 1 hour on a conference call today ( XX/XX/XXXX ) with both the banks and XXXX is saying they did not transfer the loan and Flagstar is saying they have my loan now and I owe payment to both the banks. So right now, this loan is claimed by two banks ( XXXX and Flagstar ) demanding me to make two mortgage payments on 1 loan.

I asked Flagstar for showing me a transfer letter from XXXX but they wont send it to me. Also, I dont have a new mortgage note from Flagstar which shows legally that they have a loan on the house. 

Can you please take a look at the case and help me make payment only once and to the rightful owner of the loan? Also, can you please process the request quickly as I will be late on my payments after XX/XX/XXXX. Best, XXXX.
Product: Debt collection

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 
Account Name : XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

My credit report is inaccurate ; it shows late payments that don't match my actual payment history. Please investigate and correct these billing errors.
Product: Credit card

XXXX XXXX solicited a ride at XXXX XXXX  at XXXX XXXX. on XX/XX/year>. The driver asked my address and drove me home. The driver presented me with a bill of {$160.00}, I protested this bill because my usual charge is less than {$50.00} ( actual official charge is quoted as {$48.00} ( see attached ) The driver asked for my credit card and used XXXX to charge me ( against Company policy ). I researched this on the XXXX site to see a record of the trip, but they did not list the trip in my past trips, because the driver did not use the XXXX XXXX. ( as required by XXXX. ). The driver also did not charge me via the XXXX XXXX ( as required by XXXX ) but used square App instead. Because of the grossly inflated cost of the trip, and unethical actions by the driver I contested the charge which was denied by CC company. Later, through conversations with XXXX, I established proof that XXXX had no record of the charge in question- {$160.00}. this fact established conclusively that the " XXXX charge '' was a fraud- the bill was labeled as XXXX, but XXXX has no record of the bill. I asked my CC company to reopen the case with my new evidence to prove fraud : I asked that the fraudulent charge be removed from my account. The CC refused to remove this charge a second time. The name of my CC company is Capital One.
Product: Debt collection

I mailed a certified debt validation letter to XXXX XXXX XXXX, XXXX on the behalf of their client XXXX XXXX XXXX, XXXX on XX/XX/XXXX. On XX/XX/XXXX, I never received a follow up response addressing the zombie debt with regard to the Pennsylvania Statue of Limitations.

XXXX XXXX XXXX stated in a letter that they were forwarded all concerns back to client and it is now XX/XX/XXXX and I have never heard nothing back from both companies who claim that I owe them money in excess of 43,000 in which a lien continues to be on my property.
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft Affidavit to report 3separate fraudulent inquiries appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent inquiries have affected my life have resulted in several fraudulent hard inquiries and appearing on my consumer FICO credit report. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 
CFPB Complaint against XXXX XXXX XXXX Transunion What happened ( statement of pertinent facts ) : Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX SSN ), Consumer Date of Birth : Contents of XXXX : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent inquiries have resulted in several fraudulent inquiries appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit hard inquiries are the result of identity theft and fraud.

What would be a fair resolution to this issue?

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that transunion credit reporting agency block all of the accounts, collection and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address XXXX XXXX
Product: Debt collection

There is no instrument of indebtedness in its original form for the debts listed below. I never received a contract of any sort signed by myself to any of the credit reporting agencies. I honestly don't believe that any of this information belongs to me without the verification in a contract. According to the law, this is illegal According to the FCRA as well as the Comprehensive Credit Act of XXXX I'll be seeking litigation remedy if not resolved at once. I am entitled to at least {$1000.00} in damages for every unverifiable item within my credit files. None of this information can be confirmed. XXXX XXXX XXXXXXXX XXXX Opened XXXX {$86.00} XXXX XXXX  XXXX XXXX Opened XXXX {$130.00} XXXX XXXX XXXX Opened XXXX {$180.00}