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

On XX/XX/2023 The bank decided to close my accounts due to suspicious activity on my account, i reached out to capital one for support on a matter that a check was deposited and it was fraud i haven't been working or receiving any direct deposits, i asked the bank to intiate a claim and try to resolve this, all this leading to the bank deciding to close the account for this matter of suspicious activity, now the reason for complaint is that my account was closed and not much information was provided, my IRS direct deposit was set to go in on XX/XX/2023, but the account was closed XX/XX/XXXX, so my question is will you return that deposit to the IRS since the account was closed or will i need to intiate a claim with the IRS of not receiving that refund and make a claim to retrieve funds from Capital One. Please respond accordingly and give me answers, i do try to call customer service and it directs me to a voicemail and wont pass me to a representative after i verify my self in the automated system, which doesnt make sense so i need to know if the IRS direct deposit will be rejected and if the account will remain closed.
Product: Checking or savings account

I XXXX XXXX XXXX XXXX state to the best of my knowledge and abilities that the below statement are true. As my written affidavit. 

I XXXX XXXX have a saving account with Marcus Goldman Sachs account number XXXX or XXXX Date of birth XX/XX/XXXX SS last XXXX XXXX I first had problem logging into my account Then I request for XXXX XX/XX/XXXX to be transfer to my card. I ; : m being told by Marcus Goldman Sachs they must send me a affidavit to my old address I no longer reside at XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I inform them i ; : m no longer at that address. I ; : m in XXXX  and need it to be sent here in XXXX I should be able to send them a copy of my government issue driver license front and back to their verification department with a sworn statement even a picture with me holding my identification up to my face. 

I get this with XXXX banking now this. Banking account. As if someone is tracking malicious attempt to keep me from having access to my own banking account funds and information. 

Embezzlement of consumer banking funds
Product: Money transfer, virtual currency, or money service

Robinhood has had my account " restricted '' since XX/XX/XXXX. Between XX/XX/XXXX and XX/XX/XXXX I made ( 3 ) {$10000.00} transfers from 2 different checking accounts. My intention was {$10000.00} from each but initially I received an email stating that one of them did not go through and I needed to resubmit. In reality they ended up transferring it both times. Then immediately my account was restricted stating they needed to obtain additional documents to verify my account. In the app there were instructions to submit a photo ID and a " selfie ''. When I attempted to submit the documents the app shut down and every day since the app shows " restricted '' and then shows a date for status. Every day the date moves to the next date. I attempted to contact Robinhood via email, chat and phone with continuous messages that " this case is closed ''. On Friday, XX/XX/XXXX, I received an email with a different phone number and was able to get the documents sent to them. They are now still moving the status date every day. 
They have had over $ XXXX of my money with no way for me to get it back or to buy Crypto. It is costing me money. I want to transfer out of Robinhood altogether but I can not get my account unrestricted.
Product: Mortgage

The TCF Bank XXXX, XXXX XXXX was corrupted with his friend, XXXX XXXX XXXX, retired local bank, blocked paying off all of my loan Payment with by representative, XXXX XXXX XXXX who I paid and hired to handle my paying off the total loan amount. I had XXXX lenders who wanted to lend money to pay off my entire loan amount. I requested repeatedly XXXX XXXX XXXX but He refused to meeting with XXXX XXXX XXXX. He was having meeting with XXXX XXXX XXXX and communicated with him. The Bank illegally took all of my properties. 
I was paying all the payment without default. The bank delayed and dragged the time. They are corrupted badly and took all of my asset which is all of my life saving. 
I and my family suffer so much. 
Please help me and help many others from their serious criminal acts. 

I have attached a file.
Product: Debt collection

XX/XX/XXXX called my elderly father asking questions about me and tried to get my address from him. 

Daily multiple calls to my cell phone. This debt is from XXXX and very old. 

Pandemic and Ive lost everything. I will never fully recover financially from this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive requested to get hard inquirys disputed from my report which they are inaccurate and not open accounts. I sent out letters more than 30 days ago but I havent been notified or updated about any information XX/XX/2023 Inquirys disputes
Product: Debt collection

I had previously filed a complaint against Resurgent Capital LP. I was alleging that Resurgent Capital created a fake debt to scam me into paying it. Resurgent replied to my complaints with documents they claimed proved the debt was valid and was mine. The documents resurgent Capital Supplied to validate this debt they claimed came from the original creditor which is XXXX XXXX XXXX. I contacted XXXX XXXX XXXX  prior to filing the complaint to inquire about the alleged debts.XXXX XXXX XXXX  sent me a letter saying they had no knowledge of this debt. I lost that letter so I contacted them again and again requested they supply me with information about this credit card I allegedly applied for, received and used, XXXX XXXX XXXX replied to my request and sent me the enclosed letter. ( see attachment XXXX XXXX XXXX  removal ). In this letter XXXX XXXX XXXX  themselves verify that I never applied for, received or used this alleged credit card. The account that Resurgent Capital Is claiming that I defaulted on with XXXX XXXX XXXX  ends in XXXX. ( See attached Resurgent Reply CFPB, ). XXXX XXXX XXXX themselves have verified that this account ( ending in XXXX ) that Resurgent Capital made up to scam me into paying {$800.00} is not my account. They ( XXXX XXXX XXXX  ) have validated my claim that I never applied for, Used or received this fake credit card that Resurgent Capital made up to scam me out of money. Please verify the letter with XXXX XXXX XXXX  if you dont believe it is Genuine. I never had a credit card with XXXX XXXX XXXX  in 2016. I do currently have a credit card ( Unsecured ) with XXXX XXXX XXXX  that is in good standing. I request that Resurgent Capital remove their trade line from my credit report and stop any and all collection efforts against me for this fake debt.
Product: Credit card or prepaid card

I filed XXXX disputes in the resolution center. Both charges were made with a card with the XXXX logo but I never got from these XXXX and another pending the provisional credit that is supposed to be issued for these charges : XXXX XXXX XXXX This is another one that says it is refunded but was NOT XXXX
Product: Money transfer, virtual currency, or money service

I started receiving XXXX cents deposits to my Paypal account on XX/XX/XXXX. In total since then I have received XXXX, which is most likely due to some scam. I contacted Paypal about it and their customer service told me to just refund these, which I did. Fast forward to now, where they have permanently limited my account, I can't transfer my current balance to my bank, can not make payments, and can not receive refunds of some orders I recently returned. How disappointing, I've been a customer for XXXX years, and this is very unfair.
Product: Credit reporting or other personal consumer reports

I am not liable for this collection with XXXX, I do not have a contract with them plus they did not provide me with the original application like I asked.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues. 

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : DEPT OF EDXXXXXXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX
Product: Credit reporting or other personal consumer reports

I paid XXXX XXXX for about 3 years and they did not one thing to my credit report. I was paying {$110.00} a month for 3 years. I want my money back because they have a lawsuit going on.
Product: Checking or savings account

XX/XX/2023 I requested that overdraft protection be removed. On XXXX XXXX, I incurred an overdraft for {$130.00} from XXXX XXXX. I contacted the bank and informed them I removed my overdraft protection so as not to incur any overdraft fees and I did so with assistance from the Executive office. REGIONS bank assigned a customer service agent to my account. She stated she would find out who removed my overdraft protection then get back to me as it would assist her in addressing the issue. Well she got back to me and stated she had contacted the person yet I was notified via mail that recurring charges could not be restricted. This is untrue I have online banking as I went paperless and I never got notification of what she stated. I even reviewed the mailings I got from REGIONS and the mailings were simply solicitations for other bankring products offered by REGIONS. I have now incurred {$180.00} in overdraft fees from this XXXX transaction as each smaller transaction that was presented afterwards I was assessed an overdraft fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

There shows an account on my reports from XXXX XXXX XXXX XXXX -a loan .... and his account has been satisfied some years back and is now past the limitations for MO this accounts needs to be removed from my reports as it is too old to be reporting. I have tried handling this previously and have gotten no help
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I made a transfer of XXXX dollars through XXXX to a friend in Texas, the transfer first appeared as pending, then it appears as frozen, I called my bank XXXX XXXX XXXX XXXX  ) which told me that the transfer was blocked because It had the word XXXX in the description and that I had to contact the XXXX department for them to release the money for me, on XX/XX/XXXX I started an application with the treasury department and on XX/XX/XXXX they answered me : that they have no information of that transfer to call the bank that blocked the funds Chase ) to verify that the funds were blocked, the person to whom you tried to send the money called your bank and they replied that they are the ones who have the money blocked and that Through my bank XXXX XXXX XXXX XXXX ) I must request the money back, my bank XXXX XXXX XXXX XXXX  ) made the claim but the other bank ( Chase ) says that the money is on hold and that they can not return it, my bank XXXX XXXX XXXX XXXXXXXX XXXX tells me that it can't do anything and the other bank ( Chase ) doesn't release the funds, nor does it return it, nor does it report it to the Treasury Department. It's been almost 1 year since I tried to send that money and it still appears as frozen and I don't know what to do.
Product: Credit reporting or other personal consumer reports

i move from XXXX XXXXXXXX XXXX  to XXXX XXXXXXXX XXXX and fil out for a apartment an was denied do to a collection from XXXX. XXXX & XXXX for XXXX dollars for a gas bill i never had this is inaccurat infomation an need XXXX be remove off my credit report immediately
Product: Debt collection

I have contacted IQ DATA several times to get this resolved. They are damaging my credit by not reporting an account in bankruptcy. It is showing as a active derogatory account still after almost 2 years. I have contacted enough times and people at IQ DATA this should have been taken care of and was told several times it was, however I just ran a credit report again to check and it is still showing exactly the same, they have not corrected this damaging issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a new hard inquiry on my XXXX that I don't know. It is from elan financial whom I don't know They have left no contact info. 
I called XXXX with no results. Please help for I believe this is an attempt of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. These items found within my credit report are not related to any transactions that I have made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character. Please give me help with this matter! 

UNKNOWN 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
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

If you could help me I would truly appreciate it. There are two XXXX XXXX XXXX XXXX reporting on my credit file that are not mine. I did not sign for them and even the name is different. They belong to my brother XXXX XXXX XXXX. My name is XXXX XXXX XXXX and the mortgages were opened under his name. His social security number is very close to mine the last two digits are the only numbers different. I have tried to dispute this with the bureaus and for some reason Experian is the only one that continues to report this under my name. I don't know if it's XXXX or if it's Experian but this is not mine and I have never lived at the address for which these mortgages were attached. These belong to my brother XXXX XXXX XXXX and not me. I am XXXX XXXX XXXX. I have also attached records showing the information belongs to him.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX - XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$1700.00}, XXXX XXXX XXXX Date opened : XXXX XXXX, XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX opened : XX/XX/XXXX Balance : {$0.00}, XXXX  XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, XXXXXXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$25.00}.
Product: Checking or savings account

XXXX   XXXX  had an account open and over {$15000.00} was taken from a linked account and we have not been refunded the money after there was an enforcement to them by the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One you have caused harm to me with your decision to deny my extension of credit. We need to meet about this misunderstanding. I acted in nothing but solidarity when I came to you.
Product: Student loan

There is no clear way to pay down the principal. They call it an " overpayment '' and they apply it to the interest of the largest loan. I have a XXXX loan that they have scheduled at {$420.00} / month and that would be paid off in XXXX or XXXX payments. The loan was originally XXXX and by the time I pay {$420.00} for 144 months I will have paid them {$61000.00} for a $ XXXX loan. When I looked at how I could pay down the Principal, I learned that I can not make a principal paymet but can " overpay '', but am not sure where that money goes? Does it go to the interest or the principal. Not clear and I would like to know and wonder how anyone can allow a loan like this to exist! 

When I called Sallie to find how how I can apply loans to the principal one man said, " you can't '' and hung up. The next agent walked me through the site. I had to log off and go to main site to find an example for repayment or 'overpayment '. ( The actual PDF will be attached, but I have copied and pasted highlights below ). Please not the unrealistic monthly payment that are associated with loans in the amounts of XXXX or XXXX? {$25.00} or {$67.00} a month is not accurate at those interest rates. So this is misleading and impossible to pay down! 

******FOLLOWING IS AN EXCERPT FORM AN ATTACHED OVERPAYMENT EXAMPLE PDF FROM SALLIE MAE.com ( XXXX is attached to this complaint ) ******* Loan amounts : {$10000.00} {$8700.00} {$5500.00} {$6800.00} {$31000.00} Current Balance 8.25 % 8.00 % 8.00 % 7.75 % Interest Rate {$69.00} {$25.00} {$37.00} {$44.00} {$170.00} Current Amount Due {$120.00} {$0.00} {$0.00} {$0.00} {$120.00} Overpayment Amount Payment allocation : The payment of {$300.00} was first allocated across all loans to cover the Current Amount Due of {$170.00}. Then the overpayment of {$120.00} was allocated to Loan 1 because it has the highest interest rate of all loans. 
____ The agent and me could not find a description anywhere, that said this " overpaymenet '' was applied to the principal or the interest. WHERE WAS PAYMENT ALLOCATED TOWARDS! PRINCIPAL OR INTEREST? 

I would like to see where mypayment is applied when I make it. How much to principal and how much to interest and why does a $ XXXX loan need 144 months to repay and why is it slated for payoff 13 years from now when I am paying $ XXXX/month! 

Since I have 4 loans, I do not know how to pay down the principal for each, as Sallie Mae decides and applies the overpayments to the largest loan Main question, is this overpayment applied to interest or principal! Why are there XXXX payments for a XXXX loan!? 

I have 4 loans : You ask for loan numbers but there are 4. They control how they are paid off! 
XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX continues to report a delinquent account to Equifax, XXXX and XXXX despite proof that the account was never actually late. The reporting of the erroneous late payment has not only impacted my credit score, but caused me to be denied a home mortgage loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

So recently I had checked my credit report to see that there has been 64 hard inquiries added to my report I have contacted Equifax and XXXX  even added security freezes to my reports, well RIGHT after i added it YET another inquiry was added to my report from direct tv, I have reached out to both companies several times, Equifax deleted all but one on my account and then re-added them. I called each company and all said the same thing, someoene went online to purchase or try to purchase a vehicle and then my information was sold to other dealerships so theres a total of inquiries, the companies couldnt even give me a copy of MY ID, as they said anyone can get online and use someone else 's information, Ive done all i can do, Equifax adv if i faxed them my id they would remove my inquiries, I faxed that over about a month ago nothing changed. XXXX  supervisor i spoke with stated he would have them removed, NOTHING HAS CHANGED.