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

My checking account with Capital One was closed without any notice to me at the end of XX/XX/2023. When I contacted Capital One early XX/XX/2023, I was told by a manager that my account was in violation of their terms. The manager would not explain to me what the violation ( XXXX ) were. I am XXXX and had set up my XXXX XXXX  to be deposited directly into the Capital One checking account. The last such deposit was made into my Capital One Checking Account was for XX/XX/2023 XXXX XXXX XXXXXXXX Income. Since they closed my account, I have not had access to any of my money from my XXXX payments. Capital One is holding almost {$5000.00} from my XXXX deposits and has not returned them to me. This has prevented me from being able to by medically necessary medications and it prevented me from being able to pay rent resulting in ongoing financial devastation. Capital One employees have been beyond discourteous when speaking to me and very unhelpful. The only way I was told that I could obtain my funds was when they mailed me a check which would be in 45 days from the date the account was closed. 45 days from the date that the account was closed would have been XX/XX/2023. As of todays date, I have been lied to multiple times by Capital One telling me that theyd mailed a check to me beginning in XX/XX/2023. This was not true. After my second complaint to your agency for the same matter, a Capital One representative had delivered to me a cashiers check via XXXX on XX/XX/2023. I deposited the check and it bounced twice and I have incurred two {$24.00} returned check fees as a result of Capital One issuing me a bad check. I still have not received the monies that Capital One is holding from multiple XXXX  deposits. I have suffered extreme and repeated financial and XXXX  XXXX from Capital One representatives from them refusing to return my funds to me, lying about checks being mailed, and gaslighting me by trying to tell me that they werent responsible for the check being returned when they knew or should have known that they were sending me a bad check. This is a FDIC regulated bank. All of these conversations have taken place over the phone and all have been recorded by Capital One. I believe that Capital One has violated State and Federal Laws by its actions towards me. Their actions have resulted in extreme undeserved harm towards me and are a violation of my rights under law. I am asking for assistance from your agency with this matter. 

IMPORTANT NOTE : I am a victim of XXXX XXXX  and it is very important that I am safe. I take measures to achieve that to the best of my ability. I ask that your organization not publish my full name and any of my contact information to the public and/or identifying information.

In order to resolve this matter Capital One should overnight a check in the equal to the amount of all funds plus the two {$24.00} returned check fees charged to me mmediately. They should also provide me with a detailed explanation of how I violated their terms because I do not believe that I did this.
Product: Debt collection

For about a year, Portfolio Recovery Associates were told not to contact me by either my home or cell phone numbers. In fact, I had never used my cell phone number with the original creditor, so PRA should never have used that number to attempt to collect any debt. Also, they now call and leave hangups on my home phone. They call numerous times daily. I want it to stop. XXXX There are too many dates to list, as they have done this numerous times daily for quite some time. )
Product: Money transfer, virtual currency, or money service

My small business made a payroll and our controller received a fraud email from a Chase Bank account holder and our employees payroll in the amount of {$6000.00} was sent to the fraud account at Chase. We alerted our bank XXXX XXXX XXXX XXXX XXXX XXXX and we also went to Chase and had Chase pull up the account information for the Fraud account and Chase acknowledged our deposit. They said they will return the deposit and asked us to go back to our bank XXXX XXXX XXXX XXXX XXXX XXXX and file a dispute which we did. The dispute was accepted but because our payroll goes through the XXXX system it was held up and has not been returned to us. XXXX from XXXX is frustrated as we are because no one at Chase will help her or us. The contacts at the Chase branch we visited have tried to help but we are at a dead end They referred us to a branch problem resolution center to try and get our funds returned but they tell us they can do nothing. We are getting the complete run around and so frustrated so hope you can help us.
Product: Checking or savings account

I opened an account with HSBC bank because of the {$350.00} offer they mailed to me, real simple, deposit {$10000.00} into a new account and get the bonus.

Well that was four months ago, no bonus, and the reps for HSBC are saying two things, that even though it 's been FOUR MONTHS since I opened the account, that is n't 8 weeks, and that the account that I opened was n't eligible for the bonus either.

So I want the account closed and do not feel I should have to pay the early closure fee since they did not live up to their end of the deal and this is clearly fraud that they invite people to open an account that they know is n't eligible for the bonus only to trap their money in HSBC.

I want the account closed, no fee, and nothing more to do with HSBC bank.
Product: Credit card

I was sent an email from the fraud department at citi banking XX/XX/year> at XXXX that my card had been hacked. I have been trying to contact them about it but they tell me its under investigation. After repeated attempts to call and talked to the fraud department. I walk away with no response.
Product: Debt collection

Received a voice mail stating that they were going to issue an arrest warrant and come to arrest me with an armed guard at my work for their protection and as a witness. Wife called them and was trying to cooperate and asked them to send an email someone called back and as she was speaking with a man she asked some questions about why we have n't been notified and according to them they did 30 days ago, but yet we have not received anything and then he started cursing at her and calling her XXXX and us XXXX and hung up on her. She called back and was in tears about what happened, she complained and they sent a generic email. With nothing about the original company that is requesting the money.
Product: Debt collection

Company named XXXX XXXX XXXX XXXX. Said they sold my debt that i dont have with them to Wakefield and Associates , LLC . And i have never in my life even heard of this supposed medical group and they are stating that i owe {$2100.00} since XXXX XXXX and i do not owe them anything i have never been to this place or requested any services from here and do not want this to affect my credit because i read the reviews on this place after i got the letter and everyone is saying that this affected their credit score and they never had anything to do with the company just like me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$1200.00} ; XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; U S DEPT OF EDXXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$670.00} ; XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$590.00} ; XXXX XXXX XXXX XXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$3100.00} ; US DEPT OF EDUCATION XXXXX Balance : {$0.00} ; XXXX XXXX XXXXX Balance : {$280.00} ; XXXX XXXX XXXXX Balance : {$200.00} ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX.
Product: Debt collection

They call my phone while Im at work.

If I dont answer my phone they call my parents or my other family members.

They harrass by keep calling.
Product: Debt collection

This is a debt that is over 6 years and XXXX XXXX XXXX is attempting to collect. This debt is owed by an authorized user and not myself. They have been calling numerous of times on my cell work phone number. I 'm a XXXX and calls like this interrupt my type of work and also put me in danger when I 'm receiving unnecessary calls like this.
Product: Debt collection

I received a debt collection notice from Frost-Arnett Company in XX/XX/XXXX for a medical debt that I do not owe. I responded with a verification of debt letter. They responded without adequate validation of the debt and informed me that I still owed the debt. Upon investigation, I found that according to Tex. Fin. Code 392.402, any debt collection agency collecting in the State of Texas must have a valid surety bond filed with the Secretary of State. Two separate phone calls to the Statutory Documents Section of the Office of the Secretary of State confirmed that Frost-Arnett 's XXXX location ( from which they mailed the collection notice ) has not had a valid surety bond posted with the Secretary of State since XXXX. 

The Secretary of State 's office also confirmed on two separate phone calls that all debt collection agencies collecting debts in the State of Texas must have a surety bond posted FOR ALL LOCATIONS FROM WHICH THEY ARE COLLECTING. Since Frost-Arnett 's XXXX office does not have a valid surety bond with the Texas Secretary of State, they are illegally collecting debts in the State of Texas and in violation of 15 U.S. Code 1692e ( 1 ) and Tex. Fin. Code. 392.304 ( 9 ) by false representation or implication that they are bonded by the Texas Secretary of State. The Office of SOS encouraged me to file a complaint with the Texas Attorney General and the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/XXXX XXXX XXXX XXXX updated my credit report by continuing to report a 90 day late for XX/XX/XXXX. The issue here is that all of my loans were placed in forbearance during the time that the 90 day was reported. 

Facts : Employee ID # XXXX completed a forbearance on my account that started XXXX and ended on XXXX. 

Employee ID # XXXX completed another forbearance on my account that started on XXXX. 

A forbearance is a LEGAL AGREEMENT that allows the account holder to temporarily stop making federal student loan payments. 

Later on XXXX a 12 month IDR plan was placed on my account. 

In accordance with The Fair Credit Reporting Act ( The law intended to protect consumers from misinformation being used against them ) XXXX XXXX XXXX is not in adherence due to reporting a 90 day late on my credit file and continuing to keep reporting it even though they are fully aware that my account was under the XX/XX/XXXX - XX/XX/XXXX forbearance completed by employee ID # XXXX. 

XXXX XXXX XXXX has not provided any information that states that they will report negatively to the credit bureaus while under an approved forbearance. I have faxed in documents, called in, and emailed regarding this issue.
Product: Money transfer, virtual currency, or money service

I am having issues cashing checks with Ingo Money on the Ingo Money Mobile App. Ingo Money is discriminating against me and blocking me from cashing checks on the mobile app.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting account XXXX as my account as a result of transfer from Bank XXXX XXXX in XXXX XXXX. This account is not mine and XXXX should remove it from my credit report. On XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX 's attorney, sent correspondence advising they would update the report after the Court made a decision referencing this alleged transfer from Bank XXXX XXXX. On XXXX XXXX, XXXX, the XXXX order the XXXX Deed that XXXX gave them authority to collect this debt was invalid. XXXX should update their records and remove this line of credit from all the credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

My situation with Southern Management is they put a debt in my credit and I explain the situation yo several times that somebody deft my identify including my taxes but I do n't know why they insist to continue with this. 
Appreciate everything to can do for help me with this particular Many Thanks
Product: Debt collection

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

SANTANDER CONSUMER USA XXXX XXXX Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT XXXX XXXX COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a letter from a company called CCS stating I owe them a balance of {$89.00} for a previous insurance company. I called in the beginning of XXXX and asked for proof of this debt validity and have not yet received anything in the mail and they couldnt/didnt provide details.
Product: Credit reporting or other personal consumer reports

About six months ago I reviewed a copy of all ( 3 ) of my credit reports ( XXXX, XXXX, and TRANSUNION ) where I noticed accounts that are reporting inaccurately. It is showing misleading information, as it is showing me late on a few accounts from XXXX XXXX XXXX XXXX XXXX but to my knowledge this is incorrect or an error not of my own doing. I have spoken to the creditors via mail and simply just asked for the accounts to be updated to PAID/PAID AS AGREED, NEVER LATE if the proper evidence can not be provided. I have been getting either no response or unsatisfactory responses with quick " investigations '' that provide know documentation. I been submitting complaints to the CFPB. This misleading data is causing a great harm to not only my credit score, but my employment is in jeopardy as I'm required to maintain exceptional credit as a XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

After recently seeking legal counsel regarding consumer laws, I was made aware that these inaccuracies are a violation of the Fair Credit Billing Act ( FCBA ), 15 US Code 1666-1666j " the creditor must provide the consumer with PROOF that they were indeed late but they HAVE NOT. It also fails to comply with 15 U.S. Code 1681 " to report fair and accurate information ''. Per CRSA enacted, CDIA implemented laws, any and all reporting must be deleted if not proven certifiable fully true, correct, complete, timely of known ownership and responsibility to the consumer. I DEMAND evidence of the investigation beyond a computer automation that simply states " Investigation is Closed '' Please provided the documentation steps required by law indicated which individuals and measures that were taking to prove the Creditor 's claims. 

I beg of you, a quick search of my credit prior to XX/XX/ will show my credit worthiness and consistency of on time payments and fulfillments for over 2 decades. Please eradicate any and all derogatory aspects of reporting and at the MININUM I simply request to rectify as PAID/PAID AS AGREED, NEVER LATE on the below listed accounts. These bureaus are violating multiple FCRA, FCBA laws and it is very detrimental to my credit score and putting my employment in jeopardy. I'm a first responder for the US Government and I'm sick as how errors and lack of due diligence by a creditor can easily and dramatically affect someone's financial livelihood. The companies are listed as followed - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In Closing, I simply asked to update the listed accounts as PAID/PAID AS AGREED, NEVER LATE or provide the required documentation under the law that a proper investigation was conducted that proves otherwise to not include a automated electronic response as " Verified As Accurate and Updated ''
Product: Money transfer, virtual currency, or money service

Im writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times & reporting discrepancies, my financial institution and zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that the tracking these transactions was infeasible. CFPBs findings indicate that zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. It is really unacceptable and raises concerns about customer safety.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, 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.

And according to 15 USC 1681s-2 they are suppose to 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: Credit reporting, credit repair services, or other personal consumer reports

I was contacted by Professional Credit Management regarding a collections account in the amount of {$110.00} ( in XX/XX/XXXX ). Upon this communication, I was told that paying this account would result in it being deleted from my credit report. On XX/XX/XXXX, I paid the account and received confirmation of the payment to my email account. 

After a few months ( XX/XX/XXXX ), my credit report was reviewed my credit report and found that this account, while showing paid, was still there. I contacted the company to inquire about this. I was then told by a representative that they could not delete the account from my credit report. This is completely different from the information that I was told prior to paying this account.
Product: Consumer Loan

I borrowed {$3500.00}, 24 month same as cash. Regency Finance set the payment due to {$140.00} per month, however at that amount I would need to pay more than the payment due, or pay for 25 months. They never informed me I would need to pay more monthly to satisfy the 24 month contract. They then assessed finance charges and interest because it was not paid in full within the 24 months with the monthly payment they set forth. This is deceptive and a fraudulent scam to trick the consumer to being XXXX payment shy of payment in full. Shame on you Regency.
Product: Checking or savings account

On XX/XX/2022 I tried to open multiple checking accounts I got denied on all of them because of reports coming from early warning services about identity theft. I would for early warning services to stop those reports immediately because its preventing me from getting an FDIC approved checking account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mortgage was transferred to another bank and incorrect charges were applied to my payments. I was in contact with the bank for almost 6 months and then they reported me to the credit bureau. I attempted to refinance my mortgage and found I had been reported as delinquent by 30 days for  XXXX  and  XXXX    XXXX  . I have since received a letter from the company apologizing and stating they will notify the credit bureaus within 90 days. I need this resolved as this is the only adverse information on my account and I need to refinance.
Product: Debt collection

I was contacted XX/XX/XXXX and XX/XX/XXXX. The company is requesting payment for an Ambulance service. I contacted the Ambulance service and they don't have any records for me because I've never been in an Ambulance. The company 's name is CACi for XXXX XXXX service. They will not let you distribute or talk to anyone without giving them your personal information. It will not take the information provided in the text message. This leads me to believe that it's a very convincing scheme. Their website that your asked to contact is managemyaccount.net and phone number XXXX