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

On XX/XX/2025, I closed my business account with XXXX XXXX  in XXXX, Virginia, and transferred the funds to personal account with XXXX ( can't electronically transfer XXXX XXXX XXXX ) and transferred {$3100.00} to a new business account opened at Capital One Bank in XXXX, Virginia. 

Today, I received an email from Capital One stating : " Dear XXXX XXXX, " We have suspended your XXXX BANK, Checking ending in ... ... XXXX for use with External Transfers. 
" Please contact us at XXXX to review the reason for the suspension and the process to potentially re-activate the account. 
" Sincerely, " Capital One Online Banking Team '' Called the number and they had no answer to the reason and nature of this XXXX email with a whiff of spam about it. 

I suspected it was that I had closed the XXXX account but then I looked at my Capital One account balance - {$0.00}! 

Capital One Customer Protection said XXXX XXXX  does not participate in their External Account Transfer, advising me to call XXXX XXXX  to get verification information, but " XXXX '' could ( would ) not tell me what that information would be. 

XXXX fruitless calls to XXXX XXXX XXXX  XXXX netted a connection with the local branch manager who had no idea what is going on and said she's get back to me with information. Waiting.

Hours have passed on the telephone with Capital One and XXXX, and I am not an inch closer to finding the whereabouts of my money. 

Called Capital One Customer Protection ( XXXX ) ( excessively long hold time ) this time, after another long wait time, I was told the External Transfer account was closed today and the funds would be held 15 days from XX/XX/2025 ( three days after the transfer was made ) before being acknowledged. 

The reason, according to Capital One, is that they telephoned XXXX XXXX  to verify the transfer ( huh? ) but XXXX XXXX  refused " to verify accounts to third parties. '' There was no written alert sent to me about any such actions, or inactions. 

The XXXX XXXX XXXX called back to report that the funds were transferred to Capital One ( on XX/XX/2025 ) and anything holding up the funds is all on Capital One Bank. 

In the meantime, this consumer is left spinning, wondering where my money is, overwhelmed by misinformation and distractions, all combined with refusals to answer questions.
Product: Bank account or service

I filed my income tax return via XXXX. I was offered to receive the refund via a debit card through NetSpend. I activated the card in a timely fashion but the money was never put on the card. NetSpend is impossible to get through and charges a {$.00} charge just to contact them. They have a phone system that is impossible to get through and get information and least of all talk to a person to get the matter settled. At any rate, they have my tax refund and there is no way for me to get access to the funds.
Product: Credit card or prepaid card

I received a misleading email about an Apple/Goldman Sacs credit cards stating that it would not affect my credit. I applied and they did a hard inquiry which WILL affect my credit. 

I am in the middle of a refinance so this could jeopardize my ability to maintain my rate. I am really upset. It was clearly false advertising.
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. 

AXXXX 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 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 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 XXXX XXXX XXXXXX/XX/XXXX 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: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/2022 and XX/XX/2022, I have been a victim of a multi- layered scam operation run by a professional scammer, which involved me making deposits for a total amount of XXXX XXXX and XXXX XXXX ( XXXX USD ) from my Crypto.com account to fraudulent investment firm.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the past 12 months ; I've sent over 12 dispute letters and XXXX XXXX, XXXX and XXXX, Transunion, and XXXX have continued to violate the law reporting inaccurate credit information. Furthermore, this account is in violation of the bankruptcy laws because this account was settled in bankruptcy over 5 years ago and XXXX XXXX, XXXX continues to report this account inaccurately ( balance ). Because of the inaccurate reporting on the balance continually this account must be deleted under the FCRA. Any continued reporting will result in filing with AG and federal exploration of the FCRA lawsuit because of the injuries nature of this inaccurate information. I have been unable to obtain employment, buy a home and/or an apartment. Delete this inaccurate account immediately!
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I received letters via XXXX from XXXX, XXXX XXXX, XXXX and XXXX XXXX regarding credit card applications which I did not submit. I believe these applications were submitted fraudulently in my name. 

Thankfully they were all rejected. 

One rejection stated as a reason : Too many recent credit inquiries are recorded on your credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

RGS FINANCIAL IS REPORTING A NEGATIVE REMARK ON MY CREDIT REPORT. MY LAWYER AND I HAVE PREVIOUSLY ADVISED THEY DELETE THEIR NEGATIVE ITEM OFF MY CREDIT REPORT. ACCORDING TO THE ( FCRA ), they are to provide me SIGNED DOCUMENTS with MY signature on them, stating I OWE them the amount shown on my credit report. 

WHO IS RGS FINANCIAL? Ive never contacted them for anything. 

PLEASE DO NOT PROVIDE ME WITH ANY STATEMENTS WITH MY NAME ON THEM, NOR ANY IDENTITY INFO FOR VERIFICATION SUCH AS : name, address, date of birth or social security number. Im assure you are aware of the amount of identity theft there is in the country. 

I DEMAND REQUEST FOR SIGNED DOCUMENTS STATING I AGREED TO PAY RGS FINANCIAL OR ANY SIGNED CONTRACTS I HAD WITH THEM OR PROMPTLY STOP REPORTING TO THE 3 MAIN CREDIT BUREAUS ( XXXX XXXX XXXX ) THIS UNVERIFIED ACCOUNT IS PREVENTING ME FROM LIVING A FAIR LIFE. 

PLEASE PROVIDE ME WITH THE CORRECT VERIFICATION PROVIDED OR I WILL USE LEGAL ACTION IN COURT WHICH IS AWAITING!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was harassed by some men from the XXXX XXXX region. They knew my family was on vacation and they said they were going to XXXX me and XXXX my family first and they forced the paperwork to get the account to pay a lot of money to them somehow.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I have contacted the company XXXX XXXXXXXX and also credit inquires for over a year and was told by the supervisor and that the account will be removed and I was not in their system after verifying my social, and that they would contact the credit bureaus to remove this as soon as possible. Please remove this off my credit report as soon as possible and update. I have police reports and ftc
Product: Checking or savings account

The account agreement with XXXX by Goldman Sachs states that wire transfers will be considered same day if received by XXXX XXXX CT ( XXXX XXXX XXXX   ) page 19 bullet 3. 

This is also repeated on the website " Wire transfer requests made after XXXX XXXX E.T. or on a non-business day will not be processed until the next business day. '' ( XXXX XXXX XXXX ) However, when calling the bank they said their business policy was actually XXXX E.T. and in discussions with a supervisor in customer support they hung up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notification a few weeks ago I had a new collection which was odd but was on the road driving trucks. It wasn't until I got home I realize there really was a collection and it was not mine. Looking closer at my reports I saw a number of accounts that were a result of identity theft that have been disputed in the past still remain. 

with XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX - Opened XX/XX/2017 XXXX Department Stores XXXXXXXX  XXXX Department Stores XXXX XXXX XXXX XXXX ( Inquiry ) XXXX XXXX ( Inquiry ) XXXX ( Inquiry ) XXXX XXXX ( Inquiry ) with equifax XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX/XXXX XXXX Department Stores XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX - Opened XX/XX/2017 XXXX Department Stores XXXX XXXX ( Inquiry ) XXXX XXXX XXXX ( Inquiry ) XXXX XXXX XXXX XXXX ( Inquiry ) XXXX XXXX XXXX  XXXX ( Inquiry ) XXXX ( Inquiry ) XXXX ( Inquiry ) XXXX ( Inquiry ) XXXX Wireless-se ( inquiry ) XXXX XXXX ( Inquiry ) with XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX   XXXX XXXX XXXX  - XXXX XXXX/XXXX  XXXX Department Stores XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/2017 XXXX Department Stores XXXX XXXX ( Inquiry ) XXXX XXXX XXXX ( Inquiry ) XXXX XXXX XXXX XXXX ( Inquiry ) XXXX XXXX XXXX XXXX ( Inquiry ) XXXX ( Inquiry ) XXXX ( Inquiry ) XXXX ( Inquiry ) XXXX XXXX ( inquiry ) XXXX XXXX ( Inquiry ) XXXX ( Inquiry ) XXXX XXXX ( Inquiry ) XXXX ( Inquiry ) XXXX XXXX ( Inquiry )
Product: Credit reporting, credit repair services, or other personal consumer reports

FOR THE PAST FEW MONTHS I HAVE BEEN TRYING TO GET AHOLD OF XXXX XXXX BUT I HAVE NOT HAD ANY RESPONSES. I SENT MULITPLE DISPUTES AND GOODWILL REQUEST BUT HAVE HEARD FROM NO ONE. 

I REGULARLY MAIL MY PAYMENTS TO XXXX XXXX. ON A XXXX OFF SITUATION, MY CHECK WAS STOLEN AT THE POST OFFICE THEREFORE CAUSING MY ACCOUNT WITH CENLAR TO BE LATE. AS SOON AS I FOUND OUT, I SATISFIED MY OBLIGATION. AS YOU CAN SEE, THIS IS COMPLETELY OUT OF MY CONTROL AND I AM ASKING WITH HUMILITY THAT MY LATE PAYMENT WITH XXXX BE RECALLED AS A RESULT OF FRAUD/THEFT. 

I HAVE ATTACHED MY LETTER I SENT TO XXXX BEFORE AND ALSO INCLUDING A POLICE REPORT I FILED ABOUT THE CHECK THEFT. PLEASE HELP WITH INVESITGATING THIS ISSUE AND RECALLING THE LATE PAYMENT.
Product: Credit card

Book a hotel room through XXXX using XXXX. I checked into the hotel on XX/XX/year> the room I checked into was dirty. The bed was soiled. The bathroom was disgusting. I called to see if housekeeping can come clean the room or if I could change rooms they said that they were sold out of rooms and that housekeeping would come in the morning. I spoke with the XXXX of housekeeping in the morning around XXXX XXXX. She said somebody was on their way they never showed up. I went to management. The XXXX I checked out of the hotel on XX/XX/XXXX at XXXX. I received a refund from the hotel for my stay in for any amenities used. I contacted Afterpay to tell them that I was disputing the charge because I did not receive the goods I was supposed to stay until XX/XX/XXXX because the dirtiness of the place I left early. I was given a full refund for my stay. 
On XX/XX/XXXX, I submitted the dispute with XXXX. They let me know that they were extending my due date for my next payment until XX/XX/XXXX so that the matter can be investigated today XX/XX/XXXX I check to see if I have updates for the dispute they stated that they signed in the merchants favor and I am to continue to pay. 
Called the starling and spoke with XXXX XXXX the account XXXX. He states that I was given a full refund and that I needed to speak with XXXX regarding the refund return. 
When I spoke to XXXX, they said they no longer have anything to do with it because I disputed it in the first place. I told them that XXXX decided in their favor so I am still paying XXXX and that I need them to release my fund so that I can get a refund. They told me that I would speak to a supervisor then they hung up on me now my calls are being screened and dropped. Ive tried several times to try to talk to someone at XXXX, but they do not have a physical number so Ive been sending emails and chat with no response. They are stealing peoples money. 
I stayed in another hotel after all of this on my day in XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX I transferred XXXX to XXXX. My remaining balance was XXXX My ATM card was declined shortly after. I call the number on the card and was told my account was scheduled to close by B of A decision. I received a letter stating the same dated XX/XX/XXXX. I have not been able to get answers from anyone about when the remaining funds would be available. Our how I would receive them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  within the last 2 months have requested the removal of inquiry according to 15 u.s. code 1681XXXX nothing was removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent certified letters to XXXX  XXXX XXXX , XXXX and XXXX XXXX on XX/XX/2018 It has been well over 30 days ago requesting validation for the alleged debts. I have not received a response and have not received any validation as I requested. I have then sent certified letters with supporting receipts to Equifax and XXXX requesting to remove these accounts from my credit file. My rights and F.C.R.A law is being violated! The accounts have not been verified 100 %. XXXX  XXXX XXXX sent a collection letter stating that they have received an EOSCAR dispute online from me which is not true. They are basically admitting to using EOSCAR. Any automated response or EOSCAR verification is unacceptable. If the CRA can not provide physical verification of the account it is an UNVERIFIED account and must be deleted. I have also received a letter from the Clerk Of Court stating that they do not release information to collection agencies and credit bureaus. 

I've uploaded copies of certified receipt and documents
Product: Debt collection

Midland Credit Management is calling every day. I have notified the collector to " cease and desist '' repeatedly. I have not had a bad debt since XXXX. I have worked hard to rebuild my credit rating. This is in violation of federal fair debt collection practices act. And this is well beyond the State of Oregon 7-year collection period. 
The collector will not let me speak and talks loud over my voice. I have tried to communicate. But this is harassment.
Product: Mortgage

XXXX Mortgage sold two of my mortgage loan to NewREZ /Shellpoint Loan Serving in XXXX. 
I no longer have access to the monthly statements from XXXX to XXXX   2019 monthly statement from XXXX Website, called them, their VM said they are out of business and contact the new loan servcer, which is New Rez, called them, sent multiple emails to them request the missing monthly statement and ask them to give detail break down how they come up the XXXX amount, which is not correct to me, ask them about my two loan escrow account, NewRez told me they don't have any of the records for me. 
don't the government require them to keep all the loan records and payment records for 7 years? I only requested the record of 2019.
Product: Credit reporting or other personal consumer reports

LexisNexis stated they verified certain inquires on my consumer report but fail to disclose method of verification
Product: Credit card or prepaid card

On or about XX/XX/2022, I purchased a XXXX XXXX  in the amount of {$970.00}. The purchase was made using my Chase Amazon credit card and made on Amazon.com. The credit card and Amazon offered an 18 month no interest payment plan. The credit card wrongly took away this promotion after one month even though I was never late and never missed a payment and met all the terms under the 18 month no interest plan. When I called the credit card company to complain, they stated that they applied one of my regular monthly payments towards the purchase price of the item. I never earmarked that payment towards the item and the company refused to reinstate the no interest plan. I believe Chase is enticing consumers into making large purchases with an 18 month no interest plan only to wrongly withhold or take away such promotion after the purchase is made.
Product: Debt collection

To Whom This May Concern, Under the Fair Debt Collection Practices Act ( 15 USC 1692g ), I am requesting validation of this debt. Please provide complete information on the original creditor, original account number, the date this account was open, the date of the last payment, the amount of the original debt, and an itemized statement showing the amount of the debt and any additional fees or charges.

If you are reporting this account to any credit reporting agency, under the Fair Credit Reporting Act ( 15 USC 1681b ), you must provide verification of this debt to those agencies upon request.

At this time I dispute the validity of this debt under 15 USC 1692. Please verify this debt in writing and provide all information requested above within 30 days.

If validation is not provided, I will expect this item to be removed from my credit report and further collection activity to cease..

Sincerely, XXXX XXXX
Product: Debt collection

I am XXXX years old I have lived in Florida Since my husband I came to the United States he was XXXX  XXXX XXXX stationed at XXXX XXXX XXXX XXXX in XXXX  I have lived here and worked here, I applied for XXXX  about 6-7 years ago and went through this company in XXXX Florida the man was a con, he stole my money and information he was arrested with the authorities in XXXX XXXX XXXX Florida. I had a police report, I since then threw it away. But I explained to these companies this is fraud, I sent them a notarized affidavit stating this, I stated to them I have no knowledge of these bills and never lived in the state of Georgia. I asked for original contract, proof such as ID, recordings etc, all they sent was a copy of the bill.
Product: Checking or savings account

Paypal is derelict in their duty to protect consumers. I use their service for all regular spending and have been a customer in good standing -- i think since they started their business. In the past, they allowed customers to transfer funds via app with a page that required us to enter the amount being transferred. Recently, that page was changed to show the entire balance and ask if you want to send that amount. In order to change the amount, you have to touch the screen to type in different numbers. When I touched my screen, it transferred my entire balance immediately to my bank/credit union . I could not stop it. 

I contacted PayPal and reported it. The very kind service rep initiated a " clawback ''. The balance arrived in my institution on Monday and was IMMEDIATELY REVERSED TO PAYPAL, per instructions. As of today, this money has not been redeposited in my account. PayPal reps are reporting that it will take 10 days to get the money back in my account. WHY IS THAT? Are they accruing interest in overnight deposits from consumer funds that were placed with their business IN GOOD FAITH??? I went all the way to supervisor level and explained the whole chain of events 3 times. In the end, the supervisor told me flatly -- " that's the way it works and this matter will not be expedited. '' I have his name, title, and number on record... 

As I write this complaint, they will not even allow me to move money to cover the overdraft that THEY CREATED by their ridiculous transfer app performance. If this causes me a hit on my credit report, I will have to fight that, as well. How many customers are being taken advantage of by their POOR MANAGEMENT OF THE INTERFACE FOR TRANSFER ACTIVITY????
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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 or other personal consumer reports

Using credit reports without a permissible purpose : Companies can not access or use consumer credit reports without a valid reason, such as for employment, credit approval, or insurance underwriting. 

Failing to provide required disclosures : Companies must provide consumers with certain disclosures regarding the use and dissemination of their credit information, as required by the FCRA. 

Reporting inaccurate information : Companies must ensure the accuracy of the information they report to credit bureaus and correct any inaccuracies promptly. 

Failing to investigate consumer disputes : If a consumer disputes information on their credit report, companies have a legal obligation to investigate the claim and correct any inaccuracies. 

Sharing credit information without consent : Companies can not share consumer credit information with third parties without the consumer 's explicit consent, except in certain limited circumstances. 

Violating the rights of identity theft victims : Companies must comply with specific procedures outlined in the FCRA to address and mitigate the harm caused to consumers by identity theft. 

Overall, any violation of the provisions outlined in 15 USC 1681 can result in legal and financial penalties for the company involved.