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

I am filling a complaint with the CFPB regarding capital ones failure to deposit my direct deposit from my employer and any other incoming deposit. capital one has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) is it requires timely access to funds. This situation raises concerns about consumer protection laws and I request your assistance in investigating this matter to ensure my rights are upheld! Thank you
Product: Money transfer, virtual currency, or money service

{$750.00} dollars of mine is missing and cash app tells me pay pal still has my money but pay pal promises that the money was sent back. Both companies keep blaming each other and Im out of my hard earned money. Both companies refuse to return the funds to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint to you today in response to the recent investigation conducted by the Credit Reporting Agencies. I do not agree with their findings and I am requesting complete accuracy. I am not satisfied that enough was done to truly contact the creditors that are reporting this information on my report and because of this I am now asking the Credit Bureaus for more information regarding these particular accounts in question. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I asked chase bank to stop two {$950.00} XXXX payment that I did not authorize and that is shown as pending on my account but they stated on the phone was delivered. I told them that this was fraud and they stated they were unable to stop it from being delivered from my account. There was a check for {$1900.00} that I told them was fraud as well and they stated that they were going to charge me for that as well. Everything was fraud.
Product: Mortgage

Payed everything in a timely manner until the variable loan went double the amount. 
I tried numerous times to work a program with Ocwen and they refused and now they want to foreclosed on my home with the trustee XXXX XXXX XXXX scheduled for XX/XX/2015. Till this date Ocwen has not attempted to work out a program.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unfortunately I do not have specific dates but I have time frames. Several times in XXXX, XX/XX/XXXX and XX/XX/XXXX, I have contacted Experian credit bureau to dispute the inaccuracy of XXXX mortgage displaying on my credit report as open with a balance. I have also contacted the mortgage company and they informed me that they sent updates to the credit bureaus back in XX/XX/XXXX which is when the mortgage was satisfied. I also sent mortgage satisfaction documents to the credit bureau and they are refusing to update the credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a account that is listed inaccurately on my credit report for   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX  Experian and  XXXX  have the account listed as Charged OFF when this account was fully paid through agreed judgement in  XXXX   XXXX   XXXX . I have attached a copy of the  Court Record. There is a error please Delete the misinformation.    Th is is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature of the information your agency has furnished to the credit reporting agencies in connection with the following accounts : The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). To date, I have not received any documentation in compliance with this section
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to get approved for a mortgage. XXXX is reporting on Transunion my ex-husbands credit card. XXXX and XXXX do not have it on their report. It was supposed to be removed about a year ago, I do not have the exact date. We have both tried to get it fixed and XXXX has hung up on me and basically told me too bad. I have our divorce decree and it states I am not responsible for his debt. All I need is a letter from XXXX stating I was removed, however they wont give that to either of us. I would like this resolved sooner than later or I might end up homeless as I cant even get approved for an apartment with the score this is making me have.
Product: Mortgage

On XX/XX/2022 I submitted a application with XXXX XXXX XXXX XXXX. Application was running smoothly and on track for me to get assistance thru them to pay my default loan balance. On XX/XX/2022 I was informed by the program that my loan servicer from Wells Fargo gave them false information, causing my application to be cancelled. WELLS FARGO told the XXXX XXXX XXXX that my loan # : XXXX had been modified and that its no longer delinquent, there for I no longer qualified for the relief program. Ive contacted wells fargo directly multiple time since then to find a resolution in correcting this false information, they have refused to provide any letter stating that our loan is not modified and that it is infact still delinquent. There is a incentive for Wells Fargo sabotage any offer from any other program. The offer that wells fargo has given me, is to modify my loan to 30 year modification that would not only have me repaying them directly but also any other interest that such loan would provide to them. The application # from XXXX XXXX XXXX XXXX that was cancelled is : XXXX Thank you
Product: Credit reporting or other personal consumer reports

To Whom It May Concern TransUnion XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXXXXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX VT XXXX TODAYS DATE : XX/XX/XXXX I HAVE MY ID ATTACHED To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX XXXX, VT XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX, PA XXXX Resident typeSingle family XXXX XXXX XXXX XXXX, VT XXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX, VT XXXX Resident typeMultifamily XXXX XXXX XXXX XXXX XXXX, VT XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX, VT XXXX - REPORTED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VT XXXX - REPORTED XX/XX/XXXX XXXX XX/XX/XXXX THESE NAME VARIATIONS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXXXXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX VT XXXX
Product: Credit card or prepaid card

I received a credit card that I didn't sign up for. I called BofA to report suspected identity theft, and multiple support agents refused to help. They transfered me around to each other, placed me on hold and then hung up while I was holding. 

Based on the actions of multiple BofA agents, it's clear that BofA has no real process in place to address cases of suspected identity theft.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent an investigation request letter to all XXXX Credit Bureaus : XXXX, XXXX, and Transunion to check if the account ending in # XXXX is listed and being reported 100 % correctly on my report. 

The Credit Bureaus stated the account XXXX # XXXX was properly investigated and updated but how is that possible if the date opened is incorrect as well as the date last reported, the date last active and also the date of the last payment. 

According to the FCRA by law I have the rights to challenge anything that isnt correct on my credit profile. 

The law states a consumer reporting agency can not furnish an account without my written instructions. 

I havent given these accounts written permission to furnish these accounts on my credit report.
Product: Mortgage

Homestar Financial Services reported my mortgage as 120 days late even though I was working on a mortgage modification with them and they transferred my mortgage before the modification was complete. 

The company negligently transferred my mortgage to another lender without finishing the mortgage modification process, violated the law by reporting my mortgage as late AFTER transferring my mortgage less than 60 days ago, and refuses to fix the situation because 'they don't have my mortgage anymore '.
Product: Credit reporting or other personal consumer reports

My credit report with Brigit shows that I opened a personal loan for {$600.00} with them. This information is incorrect and have asked them to correct the mistake and close the account and nothing has happened.
Product: Credit reporting

I have been disputing a tax lien placed on my credit report since XXXX XXXX, 2016. I have disputed it with trans union twice and they have rejected my claim both times. The tax lien was placed on my credit report incorrectly due to my mortgage company ( XXXX XXXX ) failing to pay my county taxes. My mortgage is currently tied to an escrow and this is part of their obligation. They have recognized their error and the county has released the lien and acknowledged that it was not my fault as well. Trans Union still refuses to remove the lien from my credit report.
Product: Credit reporting or other personal consumer reports

My identity with stolen by my brother who was able to open a lease in my name. He stole my driver 's license and used my social security number to obtain a lease in my name. 

He was eventually evicted from the property and damaged my credit. 

I never lived in XXXX Arizona. That is where the address of the property is at.
Product: Credit card or prepaid card

* On XX/XX/XXXX, I purchased a Mattress from XXXX XXXX, on XXXX XXXX XXXX in XXXX CT for XXXX The purchase was financed by Synchrony FInancial for {$10000.00}, in a new consumer account. The promotional offer of 0 % financing expires for a purchase of this size on XX/XX/XXXX XXXX On XX/XX/XXXX, two other purchases were added to my newly opened account - one for {$2300.00}, and another for {$590.00}. The promotional offer of 0 % financing expires for a purchase of this size on XX/XX/XXXX XXXX These two extra purchases the next day WERE NOT MY PURCHASES. An error and/or fraud allowed two other new purchases to be added to my new account. 
* After contacting the retail location and Synchrony, they did issue me a credit for the charges for the purchases made on XX/XX/XXXX. So, the total amount I owe, became correct. 
* However, the credit was proportionally distributed to three different loan balances. So though the total amount owed is now correct, but the share of the balances that the 0 % promotion expires for in XXXX is incorrect. I technically still have the loans open for purchases that I did not make, with less favorable terms. 
* I contacted Synchrony explaining my issue via email, and they have no complied with fixing it. 
* The correct resolution would have been to remove the erroneous loans from my account, not to issue me a credit in the total amount. I am now forced to pay down my total balance in an accelerate manner versus the terms I was given. They are in breach of the terms of the contract which I signed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Came in to the XXXX XXXX hoping to open an account. Wow, I did not think banks could treat future clients so awful. I asked the teller for a sign in sheet and she told me that I should go to XXXX Wells Fargo bank. I knew right away that these people were not looking out for my best interest. 
I felt like a third class citizen. If they spat at me, it would had been expected from these people. The way the bank associate looked down at me ... made me feel like I was the scum of the earth. 
Location of Wells Fargo bank is XXXX XXXX XXXX  XXXX XXXX, Washington XXXX You know, it might not seem like XXXX Veterans have anything to do all day but wait in line. But, we have families to look after, too. 
I even asked the teller how long it would be before I could talk to a bank associate. She told me, " an hour. '' I had no problem with that.and sat down in a chair and waited 45 minutes. When a bank associate did show up, he talked to his tellers for 10 minutes and then talked the customers in line for another 5 minutes. While I was still waiting, he finally strolled over to me. He told me that he had a meeting coming up and he did not have time to deal with me. I asked to speak with the bank manager. The bank associate told me that she was busy.
Product: Credit reporting, credit repair services, or other personal consumer reports

The below inquiries were done without my permission. I notified Equifax that these inquiries were done without my permission. These were unauthorized XXXX XXXX XXXX # XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX Balance : {$190.00} XXXX XXXX XXXX XXXXXXXX Balance : {$780.00} XXXX XXXX XXXX Balance : {$690.00} XXXXXXXX XXXX XXXXXXXX Balance : {$780.00} XXXX XXXX Balance : {$120.00} XXXX XXXX XXXX XXXX Balance : {$100.00} XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report # XXXX. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX NC XXXX, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX SC, XXXX XX/XX/1985 Last 4 of SSN : XXXX XXXX XXXX To Whom It May Concern, On XXXX XXXX, I wrote to you requesting an investigation into items that I believed were ( INNACCURATE, OUTDATED OR OBSOLETE ). To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. 

Since this is my ( SECOND, THIRD, FOURTH, ETC ) ) request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am being forced to take such action. 

Please see my reasons for dispute below : I have sent proof that there is a substantial amount of errors on my credit file varying from ; XXXX, XXXX, and Equifax. I have done so more than once. My credit reports still reads errors, which goes against the FCRA. 
( FCRA states all items reported by a furnisher must be 100 % ), and you still refuse to remove those accounts. Every piece of information I provided was/is enough for items to be removed. I attached an updated report that shows that after the first investigation, even when the credit reporters said their investigation was completed, they did not update any information and my report still reads the same thing. 

I also understand that you are required to notify me of your investigation results within 30 days and provide me with an updated copy of my credit report. My contact information is provided below. 


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

XXXX XXXX Account XXXX is showing as closed. Account is not closed. Account is active. 
Previously addressed with Transunion on XX/XX/XXXX and XX/XX/XXXX. 
Information is still incorrect. 
I have attached copy of XXXX statement dated XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Experian is constantly increasing and decreasing my credit scores and hasn't provided me with a legitimate reason. On XXXX, XX/XX/year>, XX/XX/year>. On XX/XX/year> and XX/XX/year> and when I request something to be removed from my report such as names, addresses, phone numbers and addresses where I never lived. This needs to cease.
Product: Checking or savings account

On XX/XX/2024 I received a notification that I could not withdraw funds from my Capital One checking account. On XX/XX/2024, I called and spoke to someone in the fraud department. I fully verified all of my information, I was placed on several XXXX minute holds and was questioned about my personal email address which Ive had for better than a decade. After some time the rep returned and advised me that my account was closed due to someone potentially being able to access my account fraudulently. I expressed my disdain and asked to speak with a supervisor. The supervisor advised me that it was an internal decision to end the banking relationship. I asked to go into a branch to receive funds rather than getting a check in the mail. After arriving at a branch I was advised that after speaking to someone in the fraud department, my funds could not be released until the completion of an investigation. The branch rep also stated that there were notes on my account saying that I was advised of this over the phone. That was incorrect information. I am still not able to receive my money from Capital One and in need of assistance with mediating this process
Product: Credit card or prepaid card

The company chime has my personal information on file which I did not authorize. When I inquired as to how they got this information, they said they could only talk to me if I had sent down a copy of my ID and my Social Security number, I scanned both in and I attached them to the email, but they still said they would not talk to me.
Product: Mortgage

In 2003 we purchased a home in CT. The lender in to eliminate PMI had us use a XXXX loan in addtion to the Mortage. This XXXX was described as a 30 year XXXX mortgage. A few years late when we were inquiring about the loan 's % rate of interest. It was explained that the loan in fact was XXXX yrs but we were paying as if it were a 30 yr. Therefore there was a 15 year ballon. This was not explained to us. We are XXXX years from the Balloon. My wife told me about this organization. The mortgage company issuing the mortgages was XXXX XXXX in XXXX, CT. The original main mortgage was XXXX XXXX which was bought by XXXX XXXX XXXX and since we have refinanced with XXXX XXXX. The XXXX Mortgage in question was originally XXXX XXXX and then was purchased by PNC Bank. Can you help us?
Product: Credit reporting or other personal consumer reports

I called early warning systems to opt out and I was denied
Product: Credit reporting or other personal consumer reports

This is NOT a fraud complaint. do NOT place a fraud alert in my credit file.

I have challenged the reporting of a bankruptcy on my credit report 6 separate times 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, and XX/XX/XXXX. 

I demanded each and every document that they have in their physical possession on each of those dates. This demand was made pursuant to the FCRA 15 UCS Section 1681g. They were specifically asked not to merely state that is has been verified as this is not in compliance with the law. This must be done in Metro 2 Format reporting.

In the event they did not have any documentation in their physical possession as of the date of these demands, under the Fair Credit Reporting Act Section 1681 ( i ), ALL unveried accounts must be promptly deleted. Moreover, I disputed the validity of each of the bankruptcy, under Section 611 ( a ) ( 5 ) ( A ) ( i ) of the Fair Credit Reporting Act.

If they do not have any documentation in their les to verify the accuracy of these disputed accounts, they are required to delete them immediately. Failing to do so is damaging my creditworthiness and reputation. 

I demand the bankruptcy be properly verified with physical documentation and in Metro 2 Format reporting ( and not just verified through a 3rd party ) or it MUST be removed immediately.