23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint back on XX/XX/XXXX on National Credit Adjusters on a collection they are reporting on my Credit Report of which I asked for validation on through Certified Mail on XX/XX/XXXX and it was received according to receipt on XX/XX/XXXX. By XX/XX/XXXX I sent a failure to respond letter because it was past 30 days of no response and that letter was received on XX/XX/XXXX. I still had not gotten the collection removed by XX/XX/XXXX so I filed a complaint with you guys of which National Credit Adjusters still did not removed after receiving my complaint which due to the fact that they had not responded in the time that the Law states then it should have been removed. What they chose to do is upload a statement to my complaint with you guys which is still not validation of the supposed debt owed. All that shows is that there is a balance owed not that I owe the debt, there was not a signed contract or any definitive proof that I owe the debt because I don't. At this point I am filing another complaint because National Credit Adjusters are refusing to remove the debt when they have not followed the laws permitted to me by the FCRA. I have attached what they uploaded to the previous complaint so that you ( CFPB ) can see that they have not proven the debt is owed by me and also so that you can see that they did not respond within the 30 days allowed by law. If I first sent the debt validation letter on XX/XX/XXXX and it was received on XX/XX/XXXX and my complaint was filed with you guys on XX/XX/XXXX that is well over 60 days which by law means they have to remove the collection. Then all they did was reply with a statement on XX/XX/XXXX which is still well over the time allowed by law and they stalled all the way to XXXX and just sent a statement! This account needs to be removed from my credit report immediately National Credit Adjusters is breaking the law and if I have to retain a Lawyer I have the proof to show that they have broken the law. I have all of my certified receipts I have both documents that they sent me the one letter stating it would take longer than 30 days which is a stall tactic and not legal and the statement that they uploaded to your site which is not proof of debt owed and does not validate that I owe it then I will do so at this point. National Credit Adjusters needs to remove this account IMMEDIATELY or I will be forced to take further action.
Product: Checking or savings account

My business account was closed due to a check I processed from my customer. My bank ( Chase ) said they could not verify the customer. I gave them the customers phone number. I also went to the customers bank ( XXXX XXXX  ) to verify the customer and if the check I was given was genuine. Chase insisted they couldnt verify the customer hence the account closure.
Product: Credit reporting, credit repair services, or other personal consumer reports

South West Credit Systems or the credit bureau 's have removed this account from my credit report however when I pulled a new credit report and I noticed that the account re-appears. I referred back to the FTC " Guide to assisting identity theft victims '' and it states that I should have received notice 5 days before they added the item back on my credit so it's been re-inserted illegally. I believe the person who has taken my personal information is someone who lived at a previous residence and I am a non confrontational person and I don't want to see anyone in trouble but this account is preventing my fiance and I from purchasing a home so I have taken the time to go to XXXX  and spoke to officer XXXX who advised me to file an FTC Identity Theft Affidavit and obtain as much information as possible from the furnisher so my police report is not vague so they can complete an investigation which may unfortunately lead to an arrest.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a letter regarding inaccurate items on my consumer report. To this date, it has been well over 60 days, and I have not received a response as yet. I feel that my disputes are being ignored. Section 611 ( a ) states that a failure to investigate these items within 30 days, is reason to immediately remove these inaccurate items from my consumer report as it has been well over 60 days ; therefore, these items should be deleted promptly. I demand that these items be deleted immediately otherwise, I will file for litigation due to the stress that you have caused and allowed fraudulent activity to be reported where there were no permissible purposes to do such. In addition, my information was impacted by the Equifax data breach, and may have gotten into the hands of the wrong person. Additionally, After my identification and social security was stolen in XXXX, I recently decided to check my credit and noticed items on my credit report that I do not recall. I may have been a victim of identity theft. I have never done business with any of these companies and have never entered into a contractual agreement with the listed companies. As a result, the companies have violated my privacy as FCRA 15 USC 1681 states that my consumer report is my reputation, and the listed accounts have ruined my reputation by placing fraudulent information on my consumer report and causing me complete humiliation. This information needs to be deleted and not updated as I do not have a financial obligation with the listed creditors. Will you please assist me in removing these items?
Product: Debt collection

I am writing to request specific information regarding my account, [ XXXX ]. I am particularly interested in the following details I may be a victim of identity theft and trying to make sure this account is mine and accurate
Product: Money transfer, virtual currency, or money service

I initiated XXXX XXXX transfers via XXXX on XX/XX/XXXX to pull funds from my XXXX account. The first was for {$8500.00} and the second was for {$11000.00}. 

Typically an ACH payment takes no longer than XXXX business days. XXXX is telling me that I will not have access to the funds until XX/XX/XXXX at the earliest because they are being held by UMB Bank ( the bank they use to receive payments ). 

Over 24 days later since initiating the transaction in the morning of XX/XX/XXXX. I have executed this exact transfer multiple times in the past and it took no longer than XXXX days. 

I was transferring funds to XXXX 's cash management account with the hope of paying bills. I am now unable to pay my bills. This is fraudulent and abnormal to hold funds for this long and without making me aware before initiating the transfer. 

Since they are unable to make the funds available earlier, I have also requested UMB Bank or XXXX simply send back the funds to the originating bank. I have asked multiple times and they are both unwilling to assist. 

UMB Bank and XXXX are offering no assistance at all to either make the funds available earlier or to return the funds back where they were sent from. Please may I request your assistance.
Product: Mortgage

XXXX XXXX ON XX/XX/2022 WE APPLIED FOR A REFINANCE MORTGAGE WITH XXXX DOLLARS CASH OUT FROM CARRINGTON MORTGAGE XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX & XXXX XXXX XXXX XXXX OUR LOAN REPRESENTIVE WAS XXXX XXXX HIS PHONE NUMBER IS XXXX EMAIL XXXX XXXX XXXX  WAS THE SENIOR LOAN PROCESSOR HER NUMBER IS XXXX EMAIL XXXX THESE ARE THE TWO INDIVIDUALS THAT HANDLED THE MORTGAGE REFINANCE. WE SUBMITTED ALL PAPERWORK AND OUTSTANDING CONDITIONS. OUR CLOSING WAS ON XXXX XXXX AT OUR HOME WITH XXXX XXXX XXXX  XXXX WITH ASSOCIATE ATTORNEY  XXXX XXXX XXXX EMAIL XXXX WHO THEY SUGGESTED AND WE ACCEPTED.ON XXXX XXXX WE RECEIVED A CHECK FOR XXXX WHICH WE WERE TOLD WAS OVER PAYMENT OF CLOSING COST. ALSO A CHECK FOR XXXX TO XXXX  XXXX XXXX  TO CLOSE AN ACCOUNT AND XXXX XXXX XXXX TO CLOSE AN ACCOUNT.WE WERE VERY SHOCKED AND SURPRISED BECAUSE WE NEVER DISCUSSED CLOSING ACCOUNTS WE ASKED FOR CASH OUT REFINANCE. ON XXXX XXXX WE CALLED XXXX XXXX AND HE STATED THE CHECK SHOULD HAVE BEEN DEPOSITED.THERE ARE OTHER ISSUES HERE THE BOTTOM LINE IS WE ASKED FOR AND IT WAS AGREED TO RECEIVE XXXX CASH OUT WITH OUR REFINANCE. WE ARE STILL WAITING FOR THIS MONEY AS OF TODAY. WE HAVE AN EMAIL TIME LINE OF ALL THE CONVERSATIONS WE HAD WITH THE MORTGAGE COMPANY. WE AGREED THAT CARRINGTON REFINANCE DEPARTMENT WAS VERY UNPROFESSIONAL. A DEPARTMENT HEAD WAS SUPPOSE TO CALL US BUT NEVER DID. 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DE.XXXX  XXXX HOME
Product: Credit card or prepaid card

Capital One is refusing to consider an application for a credit card for an XXXX spouse with access to household income. They have repeatedly said over phone they will only accept proof of individual income for the applicant ( like an individual XXXX ), and that proof of household income ( jointly filed XXXX ) is insufficient. Capital One phone representatives further claim they don't even have a way to process applications, or submit an appeal to the underwriting team, without a form of documentation of individual income, which does not exist for an XXXX spouse. 

The card was applied for in early XX/XX/2023. On XX/XX/XXXX, Capital One requested documentation, and we sent our jointly filed XXXX. On XX/XX/XXXX, we called Capital One, and they said the application could not proceed for the reasons listed above.
Product: Credit reporting or other personal consumer reports

As per guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls unde XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Equifax. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I closed out my Capital One IRA, with a form detailing the external account info that the funds were to be transferred to. Capital One sent me a letter explaining that the IRA distribution was completed on XX/XX/XXXX. On XX/XX/XXXX the funds still had n't shown up in my account. I then made a series of calls to Capital One trying to locate my IRA funds. 
Problem # 1- Customers CAN NOT speak to anyone in the IRA ops dept, I was told this many times ( and quite forcefully ). 
Problem # 2-I was told that the funds had n't returned to Capital One, so there was no problem on their end. 
Problem # 3- I was told I would receive a call back by end of business on XX/XX/XXXX, did n't happen. 
Problem # 4- I was told I would receive a call back first thing on XX/XX/XXXX, did n't happen. 
Problem # 5- On the morning of XX/XX/XXXX I was told an investigation would be opened, on XX/XX/XXXX I was told no investigation was opened. 
Problem # 6- On XX/XX/XXXX a supervisor very rudely told me that she did n't know why I was promised calls back in those time periods, they do n't do that because things like this can take 24-48hrs or longer to solve. 
Problem # 7- The same supervisor told me repeatedly ( and forcefully ) that there was no trace ID. *All ACH transactions have a trace ID. 
So today I call Capital One again, the person I spoke to told me that my case was closed because " there was no trace ID ''. I was also told that my 2nd case was closed because my call back number, that I confirmed TWICE, was disconnected ( it is n't, it 's the same XXXX phone I 've made all these calls on. ) Now I call XXXX XXXX XXXX ( ending point for the funds ), explain the situation to them and Capital One 's unwillingness to help. Turns out there was a series of zeros that should n't have been in front of my account number on the ACH from Capital One, so XXXX returned the ACH to Capital One on XX/XX/XXXX, and XXXX gave me the trace ID for the ACH return. I give this info to Capital One, and their reply is " We do n't have the return, it can take 5 business days to process '', ACH is at most an overnight process.
Product: Credit reporting or other personal consumer reports

Discovering unauthorized inquiries on my credit report has left me confused and upset. Even after refreshing the browser, the issue persisted. I am feeling frustrated and ask for a detailed examination of the documents I've provided, so I can finally stop being concerned about this matter.
Product: Credit card or prepaid card

Case # XXXX. 
I would like to reopen dispute the transaction for $ XXXX.XXXX XXXX USXXXX XXXX WA .I received broken mirror, that I returned Return Tracking : XXXX. the return was delivered back on XX/XX/2019. 

Merchant confirmed getting return back however refund was never issued. See attached documents. I disputed this transaction however I got billed back for something that's I already returned.
Product: Checking or savings account

I am a senior citizen living in the state of Florida and on or about XX/XX/2023 the Bank of America stole {$1500.00} from my checking account. I have called them no fewer then XXXX times and the customer service representative always tells me they will look into and someone will call me back. Then of course no one ever calls me back and again I have been trying to recover my money for XXXX plus months. Please help me get my {$1500.00} back as I am on a small income and need this money returned.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX Date of inquiry : XXXX, XXXX XXXX Date of inquiry : XXXX XXXX Date of inquiry : XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX Date of inquiry : XXXX XXXX Date of inquiry : XXXX XXXX XXXX Date of inquiry : XXXX XXXXDate of inquiry : XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX Date of inquiry : XXXX XXXX Date of inquiry : XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXX Date of Inquiry XXXXXX/XX/XXXX
Product: Credit card or prepaid card

On XX/XX/2023, at XXXX, I purchased a Vanilla Gift Card from the XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX. I purchased the card for {$5.00}, and a cash deposit of {$500.00}, totaling XXXX. When I returned to my home, I attempted to activate the card as instructed on the receipt. I noticed that the card was damaged and could not be activated. I also noticed that the 3rd set of numbers were crashed off ( XXXX XXXX XXXX XXXX ). I immediately contact the XXXX store to explain the situation. I spoke with the store XXXX, and she informed me that I could not return the card to the store, and that I would have to contact the Vanilla Gift Card Company to resolve my issue. On XX/XX/2023 I contact The Vanilla Gift Card Company at the telephone number provided on the back of the card ( XXXX ). The person I spoke with informed me that I would have to wait, because they will have to do an investigation. They instructed me to send them a copy of the Gift card, a copy of the purchase receipt, and a copy of my drivers license. Then they gave me a case number : XXXX. I have made numerous phone calls and sent numerous emails for updates on my case. The only answers that they would give me was that the investigation is on going. On or about XX/XX/2023, I contacted theXX/XX/XXXXXXXX, XXXX IL XXXX. They gave me a file number : XXXX. They forward a letter to The Vanilla Gift Card Company, and to me as well, but as of this date they have not received a response to the letter from the Vanilla Gift Card Company. The Law Office referred me to you. I still have the original receipt and the damage card, along with the package that the card came within.
Product: Checking or savings account

Hi on XX/XX/2023 i filed a dispute for charges that i didnt make some of the charges were adjusted from moneylion to my account but not reflected to my balance and some of the disputes were not processed as per moneylion saying that no error was found without making an investigation
Product: Debt collection

I don't recall receiving a debt validation notice within five days of this initial communication, as required by 12 CFR 1006.34, or the necessary validation information, including the name of the original creditor, the amount of the debt, and an itemization of the debt as required by 12 CFR 1006.34. I request that any negative information related to this alleged debt be removed from my credit report until the debt is properly validated, in accordance with 15 U.S.C. 1692g ( b ). I also request that Radius Global Solutioins comply with all provisions of the Fair Debt Collection Practices Act and Regulation F, including providing the required validation information and ceasing collection efforts until such validation is provided.
Product: Money transfer, virtual currency, or money service

I was sent {$11000.00} around XXXX. I cant get the exact dates because Suntrust has a temporary hold on my account and I cant access my statements. When my deposit came, Suntrust immediately put a hold on my account. Its been 3 months, going on 4, that Suntrust still has a hold on my account and have still not closed my account to send me my money in a check. I call every other week and they give me the same  response, We talked to the Fraud department and we cant give you any explanation other than there is still an on going investigation on your account. I asked them, why? My account STILL has yet to even be closed! That money was supposed to go to bills, my child, school, and I still have yet to receive anything but a vague answer. And they then go on to say my account is in a high end investigation meaning they grouped many accounts into different groups to investigate. The problem is, I shouldnt even be grouped with anyone else because my money was a money transfer. Please investigate this problem because I believe they are inappropriately using their power to hold onto many peoples money. Theres been a lot more people in my same situation with Suntrust bank.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX. Stopped me from making payments to an account. Admitted it, reported me late even after making payments. Removed my credit limit showing {$0.00} credit. Told me I need to reapply. I was denied due to serious delinquency from XXXX. Then said it was a glitch and my credit was not removed and was at {$1000.00} limit after the hard inquiry on my credit. 
They will not remove any late marks or the hard inquiry that was not even needed. Multiple emails trying to get assistance they either do not reply or say that they can not do anything about it.
Product: Mortgage

I cancel all further actions as this so called loan XXXX XXXX was not, and was XXXX XXXX -Securities to the Bear and I am the Creditor and Investor. 
XXXX XXXX Rescission - A SECURITY IS NOT A NEGOTIABLE INSTRUMENT - ENTITLING ME TO RECOUPMENT OF ADVERSE CLAIM, HOWEVER ALL OF THIS IS NULL AND VOID PER FORGERY ON THE INSTRUMENT IN MY GOOD NAME. YOU ARE A THREAT AND SHALL NOT SELL MY PROPERTY LAND OR ANY OF MY POSSESSIONS NOR ANYONE ELSE IN LESS YOU CAN SHOW YOU HAVE THE CORRECT TITLE IN YOUR NAME. IF THERE IS A FRAUD SALE THAT WILL TAKE PLACE ONLINE OR ANYWHERE ELSE WILL BE A CRIMINAL ACTION AGAINST ANYONE SELLING, TRANSFERRING, RECEIVING MONEY, CASHIERS CHECK OR OTHER MEANS OF PAYMENT INCLUDING ALL OF THE PUBLIC OR PRIVATE COMPANY 'S CEOS AND STAFF RUNNING THIS SCAM ON THE INTERNET WIRE AND MAIL FRAUD AND SHERIFF AND POLICE OR HIRED MERCENARIES PAID OFF TAKING A BRIBE AIDING AND ABETTING TO THE CRIMES AGAINST ME OR ANYTHING OR ANYONE ASSOCIATED. YOU HAVE BEEN WARNED! I FIRED THE SHERRIF AN POLICE DEPT THIS WEEK AND THEY WERE SERVED. ALL AGENCIES HAVE BEEN WARNED AND SERVED PER REGISTERED MAIL WITH WARRANTS AND THE DEFAULTED BILL THAT YOU NOW OWE AND MORE ... WRIT OF POSSESSION IS IN ANOTHER PROCESS ATTACHED WITH A BILL AND LEVY AGAINST ANY ONE OR IN THE COMPANIES PERPETRATED AGAINST ME ETC. INCLUDING ALL BAR MEMBERS OR OTHERWISE. MY TITLES IS OF THE HIGHEST ON THE LAND IF NOT THE WORLD. YOU SHALL SEE. CROWN .... TITLE THERE IS NO XXXX XXXX XXXX THEY WENT OUT OF BUSINESS IN 2007- AND I HAVE NO CONTRACT WITH THEIR PARENT COMPANY. PERIOD XXXX XXXX  XXXX THERE ARE ARREST WARRANTS FOR 42 OF YOU ALL AND DEBT LEVY.
Product: Student loan

This School was shut down and never reopened due to staff signing -promissory notes and defrauding the students. I believe they are under investigation. I fell this is very unfair and i demand some relief with my student loans that were handled by this carless, stealing, staff!
Product: Credit reporting, credit repair services, or other personal consumer reports

HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF IDENTITY THEFT. THE FOLLOWING ACCOUNTS APPEARS ON MY REPORT AS A RESULT OF ID THEFT : XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXXXXXXXXXX  OPENED : XX/XX/XXXX XXXX. XXXX THE FOLLOWING INQUIRIES ARE ALSO A RESULT OF ID THEFT : XXXX  XXXX  XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX I HAVE ENCLOSED MY POLICE   REPORT AND ID THEFT REPORT.
Product: Mortgage

The original complaint that I filed has been closed, so I am opening a new complaint. 

LoanCare charged me for a payoff statement and has documented with the CFPB that they charged me for XXXX. They have not provided the payoff statement. I have two past payoff statements which are incorrect and LoanCare 's representatives have confirmed that past payoff statements were incorrect. LoanCare has not provided the most recent payoff statement that I was charged for. 

It is over XXXX weeks since my loan was paid in full.
Product: Credit reporting

I believe my credit report created and maintained by Equifax Information Services LLC and/or its affiliates continue to cite errors with respect to my personal information ; to wit : incorrect and invalid property ( situs ) address. XXXX are CFPB Case Numbers : XXXX ; XXXX ; XXXX ; XXXX ; and XXXX.
Product: Debt collection

To whom it may concern, Americollect INC. in XXXX, WI is the debt collection company saying that I owe them a debt. I only know that this company collects a debt, but dont know anything else about them. As I was checking my credit report it says Im in collections with this company. 

I sent them a letter requesting anything that attaches me to this company to verify that the debt belongs to me on XX/XX/2021. In addition, Ive asked for my HIPAA release with my signature and the documents from the hospital that authorized Americollect INC. to collect a debt from me that I dont recognize. They sent me multiple things that doesnt show my signature connecting the hospital, Americollect INC., and me and failed to send me my HIPAA release form to show the hospital actually gave them my PHI.
Product: Credit reporting or other personal consumer reports

I obtained a copy checking my credit report after recieving letters in the mail that my person information has been confiscated during a breach and a XXXX security attack the following accounts listed are not mine and are unauthorized Account name : XXXX  Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX Account name XXXX XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXXXXXX XXXX XXXX  Account Number : XXXX Account name : XXXX XXXX XXXX XXXX  Account name : XXXXXXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX  Account name : XXXX XXXX XXXXXXXX Inquiries : XXXX, XXXX XXXX