23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/XXXX To Whom This May Concern, After reviewing my credit reports, I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks. 

Account Name : XXXX XXXX- Account Number : XXXX Opened : XX/XX/XXXX As you know it is against the law to report any information not proven accurate. I demand that you provide me with concrete evidence of my obligation to said account. 

Please be aware that all negative remarks found on my credit report is a violation of the FCRA and FDCPA and when you can not furnish the validity of the remark. I am not in dispute of the ownership of the account but if you are unable to provide the full reports of how you validated, verified, and how you are in compliance then you must remove the account from my credit report. 

Warm Regards, XXXX XXXX XXXX Without Prejudice, All Natural Inalienable Rights Reserved
Product: Mortgage

On XXXX XXXX, XXXX, I submitted A Qualified Written Request for Account No. XXXX, XXXX XXXX Property Address ) to M & T Bank. 
In my correspondence ( please see attachment ), I informed M & T Bank that I was making a qualified written request under Section XXXX of the Real Estate Settlement Procedures Act ( RESPA ) and that I was requesting the following documents associated with my loan ( Account No. XXXX XXXX : XXXX ) Appraisal XXXX ) Copy of Contract for Deed XXXX ) Copies of Property Inspections XXXX ) Escrow Statements / Annual Accounting Statements XXXX ) Homeowner Insurance Payments Paid by Loan Servicer XXXX ) XXXX Dues and Special Assessments Paid by Loan Servicer XXXX ) Loan Assignments, Loan Servicing Documents, etc. 
XXXX XXXX Foreclosure Notices, Notices to Cure, Acceleration Notices, etc. 
I informed M & T Bank that under Section XXXX of RESPA they were required to acknowledge my request within XXXX business days and that they must try to resolve my issue within XXXX business days. However, I still have not received any type of response.
Product: Credit card

My complaint is with Capital One. 
On XXXX XXXX I attempted to make my first payment of XXXX dollars. On XX/XX/XXXX I received my yearly vacation check from my job, and I attempted to make a payment of {$1100.00} to pay off my card. On XX/XX/XXXX I was notified that my payment of {$25.00} was returned due to insufficient funds. I verified that I did indeed have sufficient funds in my account, I had {$5000.00} dollars in my account. This was in the evening after my bank was closed so I couldnt contact them. The next day, XX/XX/XXXX, Im notified that my payment of {$1100.00} was returned also due to insufficient funds. Again, this is not true because I had and still have plenty of funds in my account. I contacted my bank and they had no record of any transaction attempt from Capital One. I verified that the routing and account numbers were correct. I contacted Capital One and they updated my account and routing number to make sure there wasnt an entry mistake on their end. I made a payment of {$1900.00} at that time. Today, XX/XX/XXXX, I am notified that my payment was again returned due to insufficient funds and that my account has been closed! Again, I had and still have plenty of funds in my account. Theyve known Ive contacted and have tried to rectify this problem, so for them to close my account like this is abhorrent. I called my bank, they checked everything and there was no attempt for transaction from capital one, and no indication of a stop due to fraud. My bank, XXXX Bank XXXX XXXX, said that the issue is on Capital Ones end. I contacted Capitol One again and was sent to a couple different departments. None could figure out the issue. They finally let me make a payment with my debit card which went through fine with no issues at all. They did say that they cant guarantee they will allow me to use debit in the future. They also wouldnt let me dispute the closing of my account. I am very unhappy and displeased with Capital One and how they have handled this reoccurring problem, that is apparently on their end. They didnt seem to do much to figure out what the problem was and didnt work with me very well. I even offered to call my bank and merge the calls into a XXXX call so that they can speak directly to my bank. Im not sure if anything can be done about this at this time, but I would like this complaint filed and heard by Capital One, and also for any future people that may go with that company. I have attached a photo showing that my payment actually shows in my account now that they let me use my debit card.
Product: Debt collection

Received collection notice today from a company named credit collection services collecting for XXXX XXXX  and XXXX  for the amount of {$250.00}. First of all I dispute the debt and the amount of the debt also I just recieved the final notice on or about XX/XX/2020 ( see attached ) saying that I owed this alleged amount. My dispute is I dont think amount is correct i have received several different amounts owed from this company. Also it has not even been 30 days since the final notice and XXXX has not only already sent me to collections they have not honored the XXXX shelter in place promise due to XXXX epidemic which was supposed to be extended till the end of XXXX from XXXX which included policy protections such as special payment plans and delayed payments with no penalties which were not extended to me
Product: Debt collection

I keep getting harassed via phone and email for a {$200.00} debt from debt collector who introduces themselves as Aldous & associates attorneys at law ( phone number ( XXXX ) XXXX, address XXXX XXXX XXXX XXXX, UT XXXX ) claiming that I need to pay for this and they wont even let me talk and explain the situation. When I asked them if they were a law office ( spoke to XXXX and XXXX XXXX they stated that they are and when I asked if the person speaking was also a lawyer he stated that he is an associate at the firm. I informed them I am not comfortable to speaking with a law office without representation but they keep calling me and are very aggressive and rude and dont understand that I dont want to speak without representation.
Product: Money transfer, virtual currency, or money service

I did a bill pay into my XXXX from Capital One 360 into my XXXX XXXX XXXX account for {$22000.00} on XX/XX/23. A couple weeks prior to that I did the same type of transaction for {$100.00} which went through as a printed check, the payment of {$22000.00} went through as an electronic payment for some reason and my XXXX does not accept electronic payments. I have spoken to Capital One extensively and they said they processed the payment and they gave me a proof of payment- they can not confirm it was received. XXXX XXXX has no record and researched it and found that the routing number is a XXXX routing number. I can not get anyone at XXXX to look into this for me, Capital One is also not helping me. Please help. The transaction posted on XX/XX/23 and {$22000.00} was removed from my account and now is nowhere to be found and I am getting the run around.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XX/XX/2023 XXXX XX/XX/2023
Product: Credit reporting or other personal consumer reports

this account jpmcbcard account XXXX and XXXX account XXXX is not my accounts
Product: Credit card

I want to start off by saying that I am currently a recepient of an immigration program called XXXX. I have been living in the United States for 15 years and I currently have an Employment Authorization Document and a Social Security Number. I currently have a total of XXXX credit cards with XXXX different banks. 

I am currently using Wells Fargo as my bank. I 've had a Checkings and Savings account with them for about 3 years. I 've had a secured credit card with them for about 2 years. 

When I went in to my local Wells Fargo bank to open my Checkings and Savings account, there was no issue with my immigration status. Everything went smooth. When I applied for my secured credit card, they asked me for {$300.00} dollars to open it and again, there was no problem with my immigration status. 

Recently, I went in to my local branch to withdraw some money and I was told by the teller that I was eligible for a Student Credit Card. Since my secured credit card was never graduated to an Unsecured credit card, I went ahead and filled out the application with the banker. I was told by the banker that I was approved for {$1200.00} but that it would take XXXX hours for the application to be fully approved. 

I waited for about a week before I received a letter in the mail stating that my application was not approved because Wells Fargo was not able to verify my identity. That letter stated that my application could be approved if I sent in a copy of my Social Security Card. I found this weird since I currently have a bank account with them along with a Secured Credit Card, yet they could n't verify my identity. 

I fulfilled their request and faxed them a copy of my Social Security Card. About 3 days after faxing them my SSN, I gave them a call because I wanted to know the status of my application. The representative on the phone told me that my credit card application had been denied due to me not being a permament resident. I was shocked by what she told me because like I said earlier, I currently have a bank account with them, a secured credit card and XXXX other cards with XXXX different banks and no other bank had ever brought up my immigration status as an issue. 

I would like to know why Wells Fargo has no issue with my immigration status when it comes to them receiving my money through my checkings account and they had no issue with my immigration status when they asked me for {$300.00} to open the secured credit card. They will gladly take my money and make money for themselves using it, yet when it comes to me trying to get a credit card from them, they suddenly do n't want to deal with me because of my immigration status. 

I have been living in this country for 15 years and I am trying to build a strong credit history in order to purchase a home one day. What is the issue with that?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX pulled my Equifax report on XX/XX/XXXX. XXXX XXXX issued a letter on XX/XX/XXXX saying they would remove the inquiry. Equifax was provided a copy of the letter after 30 days went by and the inquiry not being removed. Equifax stated XXXX did not file the removal correctly and they can't remove with a copy of the paper letter so I am filing a complaint against both companies.
Product: Payday loan, title loan, or personal loan

Company called my main office line at work and harassed about making a payment on XX/XX/2019.
Product: Money transfer, virtual currency, or money service

I am writing to express my concern regarding cash apps handling of disputes. Cash app has failed to investigate my claim. They would not do what was needed to return my funds that were taken unauthorized more than one time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Dispute was filed with Equifax Credit Reporting Systems and Experian about erroneous / incorrect credit reporting from XXXX XXXX XXXX XXXX to the aforestated credit reporting agencies. On or about XXXX XX/XX/XXXX I totaled out my automobile that was financed through XXXX XXXX XXXX Account Number XXXX. ( Title and Lien Holder ) Motor vehicle was deemed totaled by XXXX Insurance Company whom I was insured with. Vehicle was paid off in full by XXXX Insurance Company. Check was issued on XXXX XX/XX/XXXX to XXXX XXXX XXXX in the amount of {$5200.00} which was the agreed amount to completely pay off the motor vehicle. After accepting the check, from XXXX, XXXX XXXX XXXX continued to report in error this account for several months. XXXX XXXX XXXX at first closed the account on my credit file with Equifax, and XXXX and erroneously reported that I owed them {$710.00}. On XXXX XX/XX/XXXX I received a copy of my XXXX and XXXX, and Equifax Credit Report which revealed that XXXX XXXX XXXX re-opened the credit account to display the account was opened and a now a new balance of more than {$1000.00} was owed to them. On XXXX XX/XX/XXXX Dispute letters was sent out to both credit reporting agencies, and to XXXX XXXX XXXX disputing the account as being reported in error, and requested that the original contract be verified to include my signature that I agreed to the amount being stated that I owed after check was sent as the agreed payoff amount. Approximately 45 days later, Credit reports from both XXXX  and Equifax is still reporting the same erroneous account on m credit files. Both Credit Agencies, and XXXX XXXX XXXX refuse to delete the account from my credit files or correct the account as being paid in Full and account closed. I'm you to intervene on my behalf to correct this erroneous reporting, and bring positive resolution to this matter.
Product: Checking or savings account

While I was banking with Wells Fargo in XXXX2022 they would keep charging fees for items that I didn't have enough to cover I would put the amount in to cover it as well as enough for the item. They would take out more fees and they even went back to the ach auto payments I had and reversed the payment and put all my accounts into default.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX and TransUnion Credit Bureaus XX/XX/2022 to delete this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, and I'm including it again. XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is consistently pulling soft pulls on my credit profile without my consent. This is a violation of my consumer right to privacy. I was not asked, nor have I signed anything authorizing them to do such. Below is the evidence of all the data pulled from XXXX XXXX. For what purpose was my credit pulled? I would like to see the document in writing that I gave them authorization to continually pull my soft credit. 


XXXX XXXX Inquired on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

RE : XXXX Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

ACCOUNTS : XXXXXXXX XXXX XXXX XXXXXXXX - XXXX - {$1200.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit card or prepaid card

On XXXX XXXX Credit application was submitted to AMERICAN EXPRESS An Adverse Action letter which is against the law according to Equal Credit Opportunity Act which is codified in 15 USC 1691c and is pursuant to civil liability under 15 USC 1691k.

Furthermore, because my social security number ( credit card ) was used and I received no benefit this is proof of fraudulent activity ( unauthorized use of credit card ) an behalf American Express Credit application Reference number : XXXX
Product: Student loan

In XX/XX/2022 I applied via XXXX. I asked for my previously denied payments to be accepted. I was denied again. Payment plan FedLoan set up for me ( IDRP ) was impossible to pay. My income was decent for US standards, but I live in NYC with XXXX kids.
Product: Debt collection

This company is calling me threatening to contact my employer they are also calling my family leaving voicemails saying they have my # SS number and they will follow nd me and I cant hide. They have been asked to stop the calls but will not. They will not disclose who they are the only reason I found out is because I had been making payments with h them but I felt like Im paying money that I dont owe. The amount it more than the original loan considering I already made payments on the account. I told them I was having financial hardship and could not afford the payments but they continue to harass me
Product: Debt collection

I opened a CitiBank AA Credit Card in XXXX, and kept my account unused when I was notified that my account was closed. This year ( in XXXX ) I was served a notice to court to either appear for or pay past due balance of {$2300.00} from XXXX XXXX XXXX, XXXX ( a bill collecting attorneys office ). When I contacted CitiBank about the issue and the fact that had no idea about the charges to my account and therefore had no knowledge to take actions against the apparent fraud against my account I was told that there was nothing they could do because they had sold the account already. When I got in contact with the dept collector, they told me that there was nothing they could do but settle for an amount that was more than {$1400.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX/ XXXX Balance : {$20000.00} XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX Balance : {$2700.00} XXXX XX/XX/2022 XXXX XXXX XXXX Balance : {$2700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Financed vehicle. Wasnt aware of product defect. Product defected causing damage. Contacted vehicle corporation. Negotiations for several month snd reached out to debtor for assistance several times to receive none. Finally settled to have car damages repaired with vehicle corporation. Dropped it off at corporate dealership. Financed or debort credit report destroyer repossessed vehicle. I couldnt afford to reaqquire vehicle unemployed and debtor was notified of situation never to help but quick to make negative on cr causing hardship and still charging for vehicle which would fall on me if was repaired to previous condition which as schedule the day after repossessed. Debtor finance institution now has responsibility to settle with corporation and settle cost of vehicle. I didnt my part without assistance and settled with XXXX XXXX XXXX XXXX was notified they acted premature causing more hardship taking back assets enjoy and removed from credit. U removed it once and reopened with new account to ruin my score and unfair practice used by companies as an act of retaliation when they know they messed up and are personally offended. A rude tactic to cause hardship to ones livelihood which affect to breadwinners children and are who become victims living inpovershed due to dad credit score...
Product: Mortgage

Caliber Mortgage has decided to create their own Bankruptcy Law, when it comes to short sales. Caliber is demanding an approval from the court ( " Motion to Sell '' ) allowing the short sale to take place, and will not give the court any kind of short sale approval terms whatsoever. The BK court will not review a Motion to Sell until they have all approval conditions from the mortgage lender. Caliber has decided that they are above the BK court and are going to create their own rules as to how a short sale works when the borrower is in bankruptcy. What is Caliber trying to hide from the BK court?
Product: Consumer Loan

No credit line increase allowed, Synchrony Bank/Care Credit. 
CFPB has continually denied my request to increase my credit line, without explanation in an expeditious and thorough explanation for the denial of an increase of my credit line on my Care Credit account. This has caused me duress and expenses incurred that should have been charged to Care Credit, but denied because of your credit bureau. 
If this is not resoled within 3 days of this post I shall pursue legal action against you and file complaints with any and all agencies under which you are governed. I have exemplary credit and a XXXX condition. XXXX is a common trigger to XXXX. I can easily afford legal fees, but I think free legal service is also available given my health status, the duration of continued requests for increases, risk of delayed XXXX procedures, duress and the consequences thereof. 
XXXX XXXX XXXX XXXX . 
XXXX. XXXX XXXX, CA XXXX, phn. # XXXXSynchrony Bank acct. # ending in : XXXX
Product: Debt collection

I have asked Credit Corp Solutions 3 to 4 times for them to stop calling me at work and I keep getting phones calls. I have asked them to stop calling me all together until they send me proof of the debt they are calling me about and I have et to receive this. I have sent a complaint 3 to 4 times to stop calling me at work and to stop calling me and have taken a screen shot of every time I have sent it. I asked them multiple times for them to send send me proof of my debt and they still have not sent me no proof of the debt they are harassing me about.