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

I opened a Capital One 360 checking account a month ago. I requested a statement multiple times to set up a direct deposit and Capital One refused to issue me one which prevented me from being able to properly fund my account. I sold my old cell phone on the app " XXXX XXXX '' and was given a check as payment. I deposited the check into an ATM machine. I did not attempt to withdrawal the funds from the check nor did I withdrawal any funds. I received an email from Capital One today asking me to call about recent activity on my account. I called Capital One and I was told that the check I deposited was not a good check and that they were closing my account. They have frozen my online access so now I can not even log in to see what my balance is.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information, including ssn, was made public in the equifax hack.
Product: Debt collection

I have asked Account Resolution Service to send me validation of these debts they continue to report to the XXXX major credit bureaus. They have failed to send me anything that is contractual binding of me to pay this debt instead I got a letter on their letter head stating I 'm to pay this debt. How can a company, just say you owe something without any supporting signed documentation? I 'm writing to you for relief from Account Resolution contuining to report false information and exhortation.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX , XXXX , XXXX ; XXXX , XXXX , XXXX ; XXXX , XXXX , XXXX ; XXXX XXXX XXXX XXXX , MI XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3300.00} ; XXXX XXXX XXXX XXXX DateFiled/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$740.00} ; XXXX XXXX XXXX Balance : {$0.00} ; AFFIRM XXXX XXXX Balance : {$0.00} ; AFFIRM XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$700.00} ; XXXX XXXX Balance : {$150.00} XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1200.00} ; XXXX XXXX Balance : {$560.00} ; XXXX  XXXX Balance : {$470.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$170.00} ; XXXX XXXX XXXX Balance : {$110.00} ; XXXX XXXX XXXX Balance : {$77.00} ; XXXX XXXX  XXXX Balance : {$290.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX the credit reporting company Equifax suffered a data breach. This breach disclosed the personally identifiable information ( PII ) of over 149 million people, including names, social security numbers, home addresses, and Driver 's License numbers. Equifax did not reveal this breach had occurred until XX/XX/XXXX. Three Equifax executives, Chief Financial Officer and Corporate VP XXXX XXXX ; President of U.S. Information Solutions XXXX XXXX ; and President of Workforce Solutions XXXX XXXX, sold {$1.00} million in Equifax stock before announcing the data breach. Equifax has offered a year of " Free Credit Monitoring '' on their website, but accepting the monitoring commits one to binding arbitration and waives one 's right to participate in a class action lawsuit. 

On XX/XX/XXXX, through using Equifax 's website www.equifaxsecurity2017.com, I was notified that my data had been compromised. I have filed a police report. Equifax 's response to this  problem so far has been entirely unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX and XXXX XXXX Bank XXXX is violating my rights by reporting accounts that have reported as charged-off. I have not received a 1099-C from either one of these companies. 

According to 15 U.S. Code 1692e - False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. 

( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. 

In accordance with the Fair Credit Reporting act. The List of accounts above has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 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: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. see the attch U S DEPT OF ED/XXXX/XXXX Past Due Amount : {$5600.00} XXXX XXXX XXXX  XXXX Past Due Amount : {$2100.00} XXXX XXXX XXXX  XXXX Past Due Amount : {$950.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate complaint. In a prior complaint, USAA inaccurately reported prior information that a paid charge off had a balance due to XXXX and XXXX. USAA responded to that complaint by re-correcting those tradelines, although they should have been deleted. Now, USAA is inaccurately reporting that same inaccurate prior information that a paid chargeoff has a balance to XXXX. This occurred on XX/XX/XXXX. I have attached the accurate reporting as of XX/XX/XXXX, and the new inaccurate reporting as of XX/XX/XXXX.
XXXX 's system does not allow me to dispute this issue since I disputed it the first time this occurred and XXXX thinks this is a duplicative dispute, which it is not. USAA previously corrected but has now reverted the data to be inaccurate again. As 30 days have passed and the information is inaccurate, it must be deleted according to the FCRA. This is a repetitious and ongoing problem for USAA, and thus far the bank has not taken corrective action that prevents inaccurate reporting of prior information on its tradelines to the 3 credit bureaus. I recommend the CFPB investigate whether this is an ongoing problem at USAA that affects numerous consumers besides myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX had sold my debt from account ending in XXXX to the debt collector " Radius Global Solutions '' at some point after my account had closed for non-payment. Finally being in the position to be able to pay my debts back and work on my credit, I negotiated a settlement with RGS for {$270.00}. I paid this on XX/XX/21. I had called every single day to get some sort of email confirmation of this, and every day they had told me that it would be sent within 24 hours to my email address. I then finally received this " receipt of payment '' on XX/XX/21 after having called three times. In every conversation I have had with them on the phone it was made clear this debt was settled. I then disputed this debt with the tool on XXXX XXXX, which I believe is linked to XXXX. It then said it resolved my dispute, but that 83 % of the balance limit on the account was still unpaid. Thus it said it's investigation concluded that despite paying {$270.00} to settle, I had only made a partial payment and still had an unpaid balance of {$410.00} on my closed account. I disputed this a second time to no avail. If they could obtain the information of the amount I had paid, then the information that it had been settled could have also been obtained if it had been reported honestly as to the settlement agreement made. This is not a unique situation with debt collectors and I believe I am victim to deceptive practices regarding obtaining payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FCRA. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account XXXX  # XXXX, XXXX  # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A states that I have a right to privacy.

15 U.S.C 1681 section 604 A section 2 It also states that a consumer reporting agency can not furnish an 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. Any item of information any other adverse item of information, other than records of conviction of crimes which antedates the report by seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a 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

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 XXXX Account # XXXX Open Date XX/XX/2018 Balance {$15000.00} 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: Debt collection

Chase Cards has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I initially had a mortgage loan with Wells Fargo, they did not report the mortgage loan ( {$270.00}, XXXX ). I went to closing on my townhouse on XX/XX/XXXX and my mortgage loan has yet to show on any credit bureau. The mortgage was transferred to XXXX Bank. I made two payments of {$1900.00} with Wells Fargo, and I believe these payments should have been reported to any of the Credit Bureaus. 

I went to the Wells Fargo Bank on XXXX XXXX, XXXX, MD and spoke with one of its bankers. He said that the mortgage of {$270.00}, XXXX should have been reported immediately. 

I faxed a letter to the Wells Fargo Mortgage Department, per instructions from the gentleman who helped me at Wells Fargo Bank, XXXX XXXX, XXXX, MD. 
I received a voice message today, from one XXXX XXXX, who stated that she would be my point of contact regarding the letter that I faxed. Her telephone number is XXXX ext. XXXX The individual who handled my mortgage loan was XXXX XXXX, XXXX. He is no longer with Wells Fargo, so I've been told. 

If someone could contact me, I will be able to give my Mortgage Loan #. At present I am at work and do not have that information with me.
Product: Vehicle loan or lease

I was surprised when I was looking over my credit report. I found a late payment for the following date : XX/XX/2018. 
I don't know how this has happened. I feel I have made my payments to you when I got my statements. My only thought is that my statement never actually got to me.
Product: Mortgage

I have been attempting to complete a Short Sale of my property for over two years. I have complete numerous XXXX applications with intent for a Short Sale. 
I filed a complaint with CFPB in XXXX, XXXX regarding terrible communication with SPS mortgage and the denial of a short sale application. My original complaint was # XXXX. The first short sale application was denied with varied explanations provided by SPS including that the home was inhabited by my ex husband at that time, as he was " squatting '' in that home since XX/XX/XXXX. 
In XX/XX/XXXX, my home was scheduled for foreclosure. The date was postpones secondary to inclement weather. 
I then had an offer for a new buyer to complete a short sale. I went through the process with SPS, completing another XXXX and submitting all necessary documentation. 
In XXXX, XXXX I received notification from SPS that the short sale had been approved with a closing date of XX/XX/XXXX. The buyer and his agent were in close contact with SPS and requested a brief extension while completing an appraisal for his bank to secure the loan. The approval was for a sale price of roughly {$120000.00}. 
When the buyer was prepared to complete the sale, he contacted SPS and was told the application process had to be completed again. All documentation was submitted AGAIN. He was told it should be quickly re-approved and completed. 
Instead, SPS has now informed him that his offer is too low. They apparently completed a drive by appraisal and are now stating that the property is valued at {$140000.00}. The property is ABSOLUTELY not worth that price and certainly did not jump over {$20000.00} in value between the initial acceptance of the short sale for {$120000.00} 3 months ago. 
When browsing through the communication I have received from SPS, there is a statement that the short sale was not approved because I denied other programs for mortgage assistance. So once again, there are numerous " reasons '' that the company is providing for denial of the short sale. 
The short sale was approved in XXXX, XXXX. How can they now demand more money? what they are now asking for is more than the home is worth and more than my mortgage pay off. 
I vacated this property in XX/XX/XXXX, 4 years ago, and have been trying to get something done with the mortgage since that time. 
SPS is HORRIBLE to deal with. Communication is difficult. Responses are inconsistent to any question or concern presented. 
I have moved away from the area of the property. Me ex-husband vacated the property. I have made every effort to jump through whatever hoops SPS has thrown at me to satisfy the requirements to complete the short sale. They have an offer that would cover my outstanding mortgage and they APPROVED it. Now, a few months later they are denying it and asking for more money. 
It is utterly ridiculous. I am amazed that the buyer is still attempting to complete the purchase given his extreme frustration with dealing with SPS as well.
Product: Money transfer, virtual currency, or money service

On XX/XX/2024, I opened an online bank account with Ally Bank. On XX/XX/XXXX, I deposited a XXXX  XXXX XXXX check via mobile deposit. This check represented the remaining balance from closing my XXXX  XXXX XXXX account. The Ally app indicated that the check would clear in five business days, and on XX/XX/2024, the funds became available in my Ally account. However, the following morning, I received a notification to contact the bank due to an issue with my account. After speaking with XXXX from Ally Bank, undergoing security verification, and being assured of the check 's legitimacy, my account remained inaccessible. Despite repeated attempts to resolve the issue, Ally Bank informed me of an ongoing investigation regarding the check 's authenticity, leaving me in financial limbo. XXXX  XXXX XXXX confirmed the check 's clearance and availability of funds but provided no assistance in resolving the matter. As a single mother facing eviction and unable to meet my son 's needs, the situation has left me distressed and without recourse.It 's crucial to articulate the full depth of how they've impacted me, leaving me in a state of turmoil. ''
Product: Credit card or prepaid card

I was a Barclays credit card holder account number XXXX XXXX XXXX XXXX. On XX/XX/2021 there was a fraudulent unauthorized charge on my account from XXXX. I contacted Barclays by phone and told them I did not authorize or recognize this charge and requested to formally dispute and remove the charge. They did not remove it and carried it over to the next billing cycle with interest. I again notified them by phone and also in writing of this Fraud. I called again on or about XX/XX/2021 and Specifically told Barclays To cancel my card and NOT open a new account. However without my authorization Barclays opened a charge in my name ending in XXXX. Two charges were incurred on this unauthorized charge account totaling {$41.00}. Barclays is now billing me for this including interest. This account was opened without my permission or knowledge. I called again on XX/XX/2021 and spoke to XXXX at Barclays and was told I would not be liable for these charges. I paid off my balance on my previous account ending in XXXX. However I have received bills for account ending in XXXX. I again called Barclays but it was not resolved. 
Account ending in XXXX was opened fraudulently without my knowledge or permission and I should not be liable for any charges incurred.
Product: Debt collection

The company, Portfolio Recovery, has been calling my number for 6 months from different phone numbers on a daily basis. I know that it is this company because when I looked up the numbers on the XXXX app, it recognizes that the phone number listed is a " spoofed '' number. They are using phone numbers that have the same area code and prefix or using phone numbers that belong to different companies. On XX/XX/18, they called using the number ( XXXX ) XXXX which belongs to XXXX XXXX ; ( XXXX ) XXXX. In XXXX, they called using the following numbers ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX. In XXXX, ( XXXX ) XXXX. 

If I owe them, I have yet to receive a written correspondence via mail. I refuse to answer calls of numbers that I do not recognize due to the many phone scams that are currently being reported on the news and consumer reports sites. When they call, they never leave a message. According to the XXXX app, they several people have complained that they are spoofing numbers, calling people with debts that do not belong to the person called, rude representatives, and calling without leaving messages
Product: Credit reporting or other personal consumer reports

1681i. Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general ( B ) Extension of period to reinvestigate ( C ) Limitations on extension of period to reinvestigate ( 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 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.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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. You have 30 days to respond or delete all accounts asap. 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 Delete XXXX XXXX XXXX off credit report
Product: Debt collection

This is the second time I have complained about this account being on my credit. 

I enrolled in XXXX XXXX back in XXXX or XXXX of 2018. I did a few assignments on introductory to high school and cancelled. I guess that didnt matter when I stated in my last report that I had canceled and they straight up lied saying that I hadnt canceled. 

I started receiving phone calls DAILY, two or three times a day saying that I owed money to them. I did not take or finish any courses at all. It was only the first part of introduction to high school. 

This should not be considered a student loan because money was not distributed to me to pay for anything like books or whatever else a student loan would cover. I have complained before about this companys shifty policies and I know that Im not the only person that has had an issue with them. 

I have been working slowly on my credit and take full responsibility for the credit that I do owe. However, I do not owe XXXX XXXX {$1300.00}! I dont owe them anything! I am not paying {$1300.00} for an introductory course to High school. That is just ridiculous! 

For one I logged into my account with them for the first time since canceling and the number do not match! My account with them states that I owe {$1000.00}. As I stated before I dont owe anything as I did cancel. 

I humbly ask that this be removed from my credit from all 3 Credit Bureaus and ask that this company is looked into for their shady policies and tactics. 

I will be attaching screenshots from my XXXX XXXX account and also filing a complaint with the XXXX yet again.
Product: Money transfer, virtual currency, or money service

Good day PayPal closed my account for no reason and will not help me with getting it back up and going. I use the account to pay and receive money from friends and family. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them as i tried all their customer care and social media customer care with no success. I emailed and tried to call but, it won't go through. I would like to file a report on here as they are also withholding my funds of {$5000.00}. I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. XXXX Regards XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I AM The Victim Of Identity Theft ; Whereas, FRAUD ACCOUNTS -AND - CREDIT INQUIRES Appear Per My Credit Report. With That Said, A Designated Police Report ; Proof Of Law Enforcement Correspondence ; And, Proof Of True Identity Forwarded As Such : FRAUD ACCOUNTS : 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