23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I received a letter from USAA indicating that my credit cards are being closed due to 'unacceptable behavior or activity '. I called USAA and they will not explain the behavior or activity that was 'unacceptable ' to them, nor will they reconsider opening the accounts. This is significantly detrimental to my credit history as this was XXXX of the XXXX credit cards I opened over 10 years ago.
Product: Mortgage

My name is XXXX XXXX and I 've been trying to sell my deceased mothers home thru Wells Fargo. I began my efforts on XX/XX/2015 to sell my mothers home and sought the help of XXXX XXXX to sell my mom 's house at XXXX XXXX XXXX, XXXX, NC XXXX. I ca n't seem to get Wells to finalize the sale. I totally believe they are dragging their feet and slowing down the process to extract more funds from me. I need help, PLEASE. XXXX XXXX, XXXX, XXXX, XXXXXXXXXXXX.
Product: Checking or savings account

I went to a Capital One branch in person on XX/XX/2022. I obtained assistance from a Capital One bank representative to deposit a check into my recently opened Capital One account. The Capital One representative informed part of the funds would be available ( {XXXX} ) until the rest of the check cleared. Capital One sent me an email informing me XXXX would be available ( please see attached ). When I tried to make a transaction, none of the funds were available ( please see attached ). When I called Capital One bank, a representative named XXXX informed me none of the funds were available and added that it was suspicious that a new account would have the amount of money I deposited into it. Capital One representative XXXX asked me how I obtained the money. I asked Capital One representative XXXX if it was procedure for Capital One representatives to ask customers how they obtained funds for checks made out to them to deposit in their own bank accounts. The check was from my designated attorney. Capital One representative XXXX responded that my deposit on a new account was unusual activity and put me on long hold to contact my attorney after business hours. I asked to speak to a manager and reached Capital One Manager XXXX who informed me that it was a " federal systemic procedure '' or " federal regulation '' to put a hold on checks for up to 7 business days. Capital One Manager XXXX informed me that a restriction was placed on my long awaited debit card. I also received an email from Capital One representative XXXX informing me of the restriction soon after my check was confirmed successfully deposited ( please see attached ). As a result, I do not have access to any funds, nor have any funds in my possession. I am considering closing my account with Capital One from this experience.
Product: Credit reporting or other personal consumer reports

I just got an alert from XXXX XXXX about a new credit inquiry on my equifax report, which is always frozen. XXXX XXXX XXXX made an inquiry when I never authorized any credit inquiry. The fact was immediately notified to equifax, and will pursue a court case for identity theft, if they do not remove the inquiry. It was reported immediately to Customer Service, and the lady was not able to answer about verification. My reports are frozen, and they have been sending unsolicited offers by mail since I have a XXXX XXXX, They can not stop pursuing other products. I told the lady immediately that got the alert and with XXXX the freeze worked, but with equifax went through.
Product: Credit reporting or other personal consumer reports

I looked at my report back in XX/XX/2021 and noticed some things that were reporting incorrectly. I sent multiple letters to TransUnion asking them to validate these accounts ( XXXX XXXX XXXX #, XXXX XXXX XXXX # XXXX, XXXX XXXX  # XXXX ) and to investigate the completeness and accuracy of the accounts. However, I waited the required amount of time, and everything was updated as verified. I then sent letters asking for their method of verification and a description of the investigation based on 15 USC 1681 ( 7 ). They did not respond, nor did they provide the requested information, which is in direct violation of 15USC 1681 ( 7 ). They have also violated 15 USC1681 ( 5 ) and USC 168e ( b ). 

Here are all of the tracking numbers for all of the multiple attempts I have made to correct the information reporting incorrectly on my report : XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX dba ; XXXX XXXX XXXX reported debt to ; Transworld Systems Inc. when in fact I was affected by natural disaster and debt/rent was paid in full by XXXX ( Florida Dept. , of Children and Families ) XXXX  sent fraudulent and without merit to Transworld Systems XXXX XXXX that I have a balance as of XX/XX/XXXX {$10000.00}. 
Transworld Systems XXXX, without contacting me reported this as a debt owed them to XXXX XXXX XXXX XXXX XXXX / XXXX. This balance from XXXX XXXX ; XXXX XXXX XXXX is fully documented in Civil Division XXXX County Courthouse Case No. XXXX on XX/XX/XXXX. The Judge ; XXXX XXXX. All documents disbursements schedule from XXXX were presented to not only XXXX but to the courts. All balances have been paid in full.
Product: Credit card or prepaid card

I have had a credit card with Banco Santander Puerto Rico for several years. I pay my balance off every month on time, so my credit history with the bank is excellent. Even though I was a resident of PR in XX/XX/XXXX, due to a work assignment I traveled to New Jersey in XX/XX/XXXX for several weeks. Since the due date on my credit card was XX/XX/XXXX, I mailed my payment on XX/XX/XXXX from New Jersey, just like I had done several times in the past. Under normal circumstances, 13 days was plenty of time for the check to arrive and be processed before the due date. However, hurricane Maria struck the island of PR on XX/XX/XXXX, which among other things, caused the US Postal Service to stop operations and delay all mail activity to and from the island. For this reason, my check # XXXX in the amount of {$2500.00} ( credit card balance due on XX/XX/XXXX ) did not arrive on time at the bank. This check was reflected on my account on XX/XX/XXXX, 14 days after the due date, and 27 days after I mailed it. To reiterate, my credit card payment arrived late at the institution not because of negligence or inability to pay, but because one of the worst natural disasters that has ever struck PR delayed the postal service. The bank charged me {$60.00} in late fees on XX/XX/XXXX. I  disputed the charges on a letter sent to the bank on XX/XX/XXXX. On XX/XX/XXXX the bank  replied stating that the charges would not be cancelled because my payment arrived late, even though it was through no fault of my own.
Product: Credit reporting

I owed a debt to XXXX XXXX XXXX, Account # XXXX. I paid this account in full, XXXX balance, per the attached letter. Equifax has been notified many times, and refuse to change verbiage or balance.
Product: Debt collection

Midwest Recovery Systems LLC appeared on my credit report in the amount of {$890.00}. I have never heard of this company before. When I contacted them, they said that I had taken out a payday loan on XX/XX/XXXX I did not take out such loan on that day as I was not working at the time. As well all of the banking, home and email address information was old. I have not had that bank since XX/XX/XXXX and that bank went defunct in XX/XX/XXXX. I have not lived at that address in over XXXX years. As of XX/XX/XXXX it had been over XXXX years. That email address had not been my email address since XX/XX/XXXX. However, for some reason, when I did call they tried to get me to tell them my social security information but did know the last XXXX of it. Now, they are insisting that I owe this money. I know for a fact that I do not owe this money, who takes out a payday loan when they are not, in fact, WORKING and getting pay or have a payday? Not to mention, payday loans are ILLEGAL in the state of XXXX. Please stop your attempts to collect on a debt that is not owed to your client.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per XXXX XXXXXXXX ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 
XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXXXXXX Balance : {$2300.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$2300.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian In reviewing my credit report from Experian, I found unauthorized addresses. I made numerous attempts to resolve this matter via Experian automated service, however I had no success by phone. The following inquires are unauthorized. XXXX. XXXX XXXX XXXX XXXX FL XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Under 15 U.S. Code 1681i, Paragraph ( 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
Product: Debt collection

Today ( XX/XX/2019 XXXX as of XXXX a debt collection company has called me from various numbers 15 times, today alone. The numbers and times are as followed : >XXXX ( XXXX ) >XXXX ( XXXX ) >XXXX ( XXXX ) x2 ( They called twice from this number in less than a minute ) >XXXX ( XXXX ) x2 ( They called twice from this number in less than a minute ) >XXXX ( XXXX ) x2 ( They called twice from this number in less than a minute ) >XXXX ( XXXX ) >XXXX ( XXXX ) >XXXX ( XXXX ) >XXXX ( XXXX ) >XXXX ( XXXX ) x2 ( They called me twice from this number in less than a minute ) >XXXX ( XXXX ) This harassing behavior has been going on for several weeks and has been getting more frequent everyday. 

Yesterday ( XX/XX/2019 ) they called me 16 times, as follows : >XXXX ( XXXX ) >XXXX ( XXXX ) >XXXX ( XXXX ) >XXXX ( XXXX ) >XXXX ( XXXX ) >XXXX ( XXXX ) >XXXX ( XXXX ) >XXXX ( XXXX ) >XXXX ( XXXX ) >XXXX ( XXXX ) >XXXX ( XXXX ) >XXXX ( XXXX ) >XXXX ( XXXX ) >XXXX ( XXXX ) >XXXX ( XXXX ) >XXXX ( XXXX ) This behavior has been going on since the middle of XX/XX/XXXX. For the first few weeks, they only called a couple times a day, but this week they have been incessantly calling me, as you can see above. This harassing behavior isn't going to get them their money any faster. I will pay it when I can and as of now I just sold the only thing I own that has material value in order to pay rent. This harassing behavior is only causing me more emotional distress than I am already experiencing during this difficult and overwhelming time in my life and it isn't only unfair to me but it is also unfair to the poor souls that have to waste their time harassing me for the collection agency. 

I am unsure who the collection agency is because I can hardly understand the collectors when I am able to answer the phone ( which is rare because they are typically disrupting me at work ). However, I do know that the debt they are trying to collect is my credit card debt from Capital One. Hopefully that and the phone numbers listed above will help you to identify who the collector that is so terribly harassing me is. 

The collector has even called an additional 7 times just in the amount of time is has taken me to type this complain. 
>XXXX ( XXXX ) >XXXX ( XXXX ) >XXXX ( XXXX ) >XXXX ( XXXX ) >XXXX ( XXXX ) >XXXX ( XXXX ) >XXXX ( XXXX ) That makes 22 calls today alone. 

Thank you for your time. Any help is appreciated because this frequent calling is blatant harassment and is completely inappropriate.
Product: Student loan

ATTEMPTED TO GET APPLICATION FOR LOAN FORGIVENESS FROM NAVIENT NAVIENT HAS SOLD PRIVATE STUDENT LOAN TO XXXX 5 MONTHS, NUMEROUS CALLS TO NAVIENT FOR APPLICATION SENT BY THEM TO NO AVAIL
Product: Credit reporting or other personal consumer reports

XXXX XXXX has refused to correct the erroneous inaccurate reporting on my credit report. They are in Violation of the FCRA. I have attempted several times to have them correct the information on my report. attached is the evidence highlighted in XXXX of the plethora of errors on my consumer report that is not in metro 2 standards and must be removed from my credit report immediately. Please investigate their practices and procedures as it pertains to ignoring the FCRA guidelines and the willful noncompliance of conducting and reporting to ensure the accurate of reporting for consumer reports.
Product: Credit reporting or other personal consumer reports

[ XXXX A XXXX ] [ XXXX XXXX XXXX XXXX, XXXX  XXXX ] [ XXXX, XXXX, XXXX ] [ XXXX ] [ XXXX ] [ XXXX ] TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Complaint and Demand for Method of Verification ( MOV ) Not a New Dispute Dear TransUnion, This letter serves as a formal demand under the Fair Credit Reporting Act ( FCRA ) for the provision of the Method of Verification ( MOV ) related to the XXXX XXXX XXXX appearing on my credit report. This is not a new dispute, but a direct request for compliance with federal law, as mandated by Congress and the statutes of the FCRA and the Fair Debt Collection Practices Act ( FDCPA ). 

Despite repeated attempts to resolve this matter, TransUnion has returned disputes regarding this tradelineboth authorized and unauthorizedon more than XXXX occasions. As required under federal law, I am entitled to receive the specific method used to verify the accuracy of this tradeline. I demand that you immediately provide a complete written disclosure of the MOV or remove the XXXX XXXX tradeline from my credit report if proper verification can not be established. 

This matter must be handled as a demand for verification and not treated as a new dispute. XXXX repeated mishandling of my disputes and failure to furnish the MOV constitutes a violation of my rights under the FCRA. Additionally, I demand arbitration to resolve this matter and seek compensation in the amount of {$XXXX} for the damages caused by your companys repeated non-compliance and mishandling of my disputes. 

Requested Actions : 1. Furnish the full and complete Method of Verification ( MOV ) for the XXXX XXXX tradeline. 
XXXX. If proper verification can not be provided, immediately remove the tradeline from my credit report. 
XXXX. Initiate arbitration to address this matter and provide compensation in the amount of {$XXXX} as a resolution for the harm caused. 

Please provide a response within 15 days of receipt of this letter, as required by law. Failure to comply will result in further escalation, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other relevant regulatory agencies. 

I trust TransUnion will act in compliance with federal law and resolve this matter promptly and appropriately. 

Sincerely, [ XXXX XXXX XXXX ]
Product: Credit reporting, credit repair services, or other personal consumer reports

My Bankruptcy case was filed on XX/XX/2017 and is still showing on my credit reports on all 3 Bureaus. I have attached the bankruptcy papers.

Thank you
Product: Debt collection

Dynamic Recovery Solutions reported a collections account to my file on XX/XX/XXXX. I do not recognize the name XXXX, the creditor listed. 

I sent a debt validation letter on XX/XX/XXXX, via certified mail, which was received on XX/XX/XXXX. USPS Tracking : XXXX Today is XX/XX/XXXX, and I have received no response. I am requesting that this item be removed from reporting to the credit bureaus, as I have received no proof that this debt is mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX  ( Original Creditor : XXXX ) account # XXXX, XXXX XXXX XXXXXXXX XXXX account # XXXX and XXXX XXXX account # XXXX have 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. After pulling my credit report I also noticed that an item is not right. 
The XXXX XXXX  account needs to be removed because it's inaccurate and unverifiable : Account : XXXX XXXX  ( Original Creditor : XXXX ) ( XXXX ) Date Opened : XX/XX/2019 Balance : XXXX I have no knowledge of this account, please remove it. 
I want my credit report to be accurate and by law you need to remove accounts that are inaccurate, incomplete or unverifiable. If you verify the information, please respond with verifiable proof of an original consumer contract with my signature that you have on file for the accounts above. Unverifiable accounts must be removed.
Product: Credit reporting or other personal consumer reports

A account financial service on the name '' WESTLAKE FINANCIAL SERVI '' I don't know in my credit report, account balance {$11000.00}.
Product: Credit card

I had canceled their breathalyzer interlock device service after they informed they would be keeping my credit card on file and charging me whenever and however they felt like. No other company does this. I signed one page of their contract and never received the rest of it. Til this day still have not seen this multiple paged contract, yet they have sent it to Capital One. I disputed 4 fake violations fees charged for the amount of XXXX They claim I had a refused test on my car breathalyzer which is completely false. The logs show I have a passed test within XXXX minutes later each time. Which is also within the XXXX minutes of the rolling tests allotted per their terms and conditions. The person who does the installs and removals can attest to this and says as well I should have never been charge as there was no violation. They have faulty equipment. They are several lawsuits agsinst them in multiple states. Class action ones to boot. Some states dmvs have even shut them down and wont let XXXX XXXX ( XXXX ) operate. They have 1 star reviews on XXXX, XXXX XXXX XXXX and XXXX. They are unscrupulous and shady. They need to be investigated and I am appalled Capital One is siding with them on a technicality of saying they didnt agree to letting me out of my contract? The issue is not the contract. The issue is the charge should have never happened. There was never a violation. Let alone XXXX. 

XXXX XXXX then is also creating a separate invoice of the original charges and adding XXXX dollars to each charge and expecting me to pay it. They are ridiculous. They wont respond to any texts or emails and I am locked out of their app. They are highly unprofessional and are scam artists and crooks.
Product: Checking or savings account

I own an XXXX that maintains an account at Novo. The XXXX owns a rental property, which it sold on XX/XX/year>. On XX/XX/year> I received a check with the proceeds of the property sale. The check amount is great than the per-check, daily, and monthly limits Novo imposes on remote check deposits. On XX/XX/year> and again on XX/XX/year> I submitted multiple requests for Novo to temporarily increase the remote check deposit limit so I can deposit the proceeds check. Each request for a limit increase was denied with no alternative provided for how I can cash the check, leaving me with no way to cash the check.
Product: Checking or savings account

I informed the Navy banking that I will have a direct deposit going into my Savings account to pay off the loans every two weeks and they are still harassing me. They are calling my job harassing my associates and I have inform them not to call my job.
Product: Mortgage

I was working with a Loan officer by the name of XXXX XXXX with Option Funding. I had been working with her for several months. She was trying to be the real estate agent and the loan officer. She told me to send her homes I was interested in seeing. I sent this lady so many homes and I never saw any. I went out an got a real estate agent to show me homes and this lady would show me 4 house in a day, at least 10 a week. I found a home I loved and XXXX sent me notice on XX/XX/2020 I had full loan approval, well with all this Covid she did not secure the loan and the company placed overlays which made me didn't qualify no more dur to the DTI changes. A week before my closing date I received a email with prices and saying my closing cost was 13+ thousand to close. I had already placed {$5000.00} in escrow do i'm think I only had to bring in the rest of my 3.5 percent since my closing cost was covered by the seller. When I called she said I now had to buy down the rate in order to get the rate I wanted. She never once mention about impound accounts til a week before my closing and we talk almost every day. I felt like for me to be a 1st time home buyer she failed at disclosing all information upfront. When you ask her questions she gets dance around what you asking. Her tone would change. I called XXXX is suppose to be a supervisor and cried and explained how this experience for a 1st time home buyer had me feeling. He did nothing but say he worked with her for 30 years and hasn't had a complaint. This woman never apologized even after I told her how she was being rude all she did was say " I was getting frustrated '' She could've easy made this better by owning up to her part, apologizing for being rude. I had my real estate age on three way and XXXX knew it because I thought I was going crazy not understanding what she was doing but my agent felt confused also. You ask her questions and she picks and chooses what to respond to. Horrible
Product: Credit reporting, credit repair services, or other personal consumer reports

iN ACCORDANCE WITH THE FAIR CREDIT CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALLY UNDER 15USC 1681.

THEY HAVE ALL VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S.C 1681 section 602 A. States I have a right to privacy. 15 U.S.C 1681 section 604 A. Section 2 : Its also states that 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 information, other than records of convictions of crimes which antedates the report by more than seven years. 

1 5 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 have reasonable cause to believe that the information is inaccurate. 

15 U.S.C. 1681S- 1681C. ( A ) CREDIT REPORTING AGENCY TRANSUNION