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

The prior questions did not really apply to my situation, so here it is. This is about capital one credit cards. I have had several accounts over many years with this company, I have always paid my bills and never really had a problem with them, but since the pandemic started every time I would call in the rules would change from person to person. They were no longer on the side on the consumer but on their side. This last time I called about my Walmart card, asked why it wasnt working, I had paid it in full via a capital one checking account. I was speaking with a woman XXXX I believe, she was nasty when she got on the phone, I had. A friend in my car with me the call was on speaker, he heard everything, it was like I was bothering her, she would not simply answer the questions she went around it and around it. I asked for another supervisor she told me at first there was no one else and that she was the only available one. I got into an argument with her about how everyone has someone over them unless you own the company. She got another, so I did also. I asked over and over to talk to someone else to deescalate the situation, she continued to be a XXXX. So she finally said she would transfer me or was hanging up on me I cant remember, I was so mad by now, I said fine and turned to my friend and she she is a XXXX. Now that operator was listening on the line and heard me say that about her, I know not flattering on my part but I was so XXXX off and she was continuing to make it worse. So it just came out. She screamed at me oh now youre going to lose you card, I hung up on her and called right back and got someone different, she was calm and answered my questions, I told her what had happened and that was not said to that person I had though she hung up and was saying it to my friend. XXXX 10 days later capital one closed all of my accounts down and took me off my husbands cards. Like I said I always had paid the bills on time, I was late few years ago but I paid it. I did nothing wrong to have them treat me like that. I did not say it to that operator, I said it to my friend. I was never contacted by capital one to hear my side of the story, they just closed all of my accounts down. Now they have affected my credit score in a major way, I had 5 accounts and it was just reported that they were closed by the merchant which is hitting my credit like a brick. I have freedom of speech I can say anything I want ugly or not, my choice, I should not be punished for saying that to my friend about her. I actually was saying it behind her back. I worked very hard on my credit with that company and believe that if it isnt illegal for them to do this that itI should be. I want them to report my credit differently so it doesnt affect my score. This company has ruined all the years I have worked on my credit, if I can sue I will.
Product: Money transfer, virtual currency, or money service

I can not withdraw my money off of my Coinbase account as they have initiated a XXXX  measure using an old phone number of mine. All attempts to update the phone number failed and were tried several times in vein. The companies customer support options are insufficient and I was given the same useless information and instructions on how to update the phone number. All attempts at contacting them in person over the phone have been met with outrageous wait times and failed communication. I can deposit money but can not withdraw it. Sounds convenient to me. I have read many complaints about this very issue with countless customers. If you do not have the old phone number you are sent in circles and are told to verify your account by uploading picture ID and selfies. I have done this over 5 times each time with no result and told to do it again.
Product: Payday loan, title loan, or personal loan

Before I met and married my husband in  XXXX . He had a reserve line with UsBank. When he passed away   XXXX   XXXX   I took his name off the account. I called the bank to tell them he had passed and I did not even know him when he got the reserve line. But they told me I was responsible for it because my name was on the account. The following month they took double the amount. Now I 'm afraid if I ask about it they will take more.
Product: Debt collection

I received your letter today. In your response to my previous email you agreed that you will provide the requested information but now you are saying that XXXX has already provided the requested information. THIS IS INACCURATE and I DEMAND THAT UNDER RESPA ACT YOU PROVIDE ME UPTODATE INFORMATION FROM THE LOAN ORIGINATION up until TO DATE AND ANY MISSING INFIRMATION IN BETWEEN TIME PERIOD. 

I am again asking the following questions : 1. How did you arrive at the accrual balance of {$34000.00} on XX/XX/XXXX? 

2. What made you decide to start to present the accrual history spreadsheet from this date of XX/XX/XXXX until charge off date of XX/XX/XXXX? 

XXXX. I would request that I be presented accrual history spreadsheet from XX/XX/XXXX ( my loan origination date ) through XX/XX/XXXX so I can reconcile the amount you are showing as accrual balance {$34000.00}. This will also show me how my payments from XX/XX/XXXX through XX/XX/XXXX in the amount of {$96000.00} was applied to arrive at accrual balance of {$34000.00} on XX/XX/XXXX. 

XXXX. BOA spreadsheet sheet XX/XX/XXXX through XX/XX/XXXX that you provided to me does NOT show the accrual history. 


XXXX. In your letter of XX/XX/XXXX you mentioned that payoff balance as of XX/XX/XXXX was {$470000.00}. This included XXXX principal balance + {$160000.00} interest + {$11000.00} in fees. This would remain same and will not change in future. 

6.On XX/XX/XXXX I received XXXX letter saying amount due {$340000.00}. Can you please explain this amount due terminology? 


My questions pertain to RESPA request and a complete analysis must be given to the request made. I am copying this email to HUD Counselor who is authorized on my account to resolve the issues and has participated in the conference calls previously to settle this account. 

thank you. 


XXXX XXXX XXXX
Product: Debt collection

This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such an account and also other documents so I may review to see if this account actually belongs to me.
Product: Credit reporting or other personal consumer reports

Back in XXXX I was a victim of a XXXX XXXXhat's the first time when I start having identity theft issues. It's so much fraud that's in my name to where I had to sign up for so much protection to avoid any further issues. I reported these issues XX/XX/XXXX to XXXX and XX/XX/XXXX I have no connections or knowledge of these accounts listed. Please help me! I never lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I believe that's where the suspect lives. Please help remove this fraud! I even just hired an consumer attorney to help in this process. This is my last attempt before the attorney get the case.
Product: Mortgage

In XXXX of 2016, I was the real estate XXXX representing a couple trying to buy their first home. That had already been working with XXXX XXXX of Vinson Mortgage at the time, and as the transaction continued, his behavior became more and more hostile and unprofessional to everyone else involved in the transaction.
Product: Debt collection

I ordered a vacuum from XXXX  on XX/XX/XXXX totaling {$610.00}. I did not receive a shipping notification so I called the vendor multiple times but I did not receive a response. 

I called my credit card company, XXXX, and asked them to dispute the charge. They did and they found that I should have my funds returned to me. 

I received an email from XXXX on XX/XX/XXXX stating the funds would be returned. I then began receiving emails that I owed XXXX the amount of the funds returned to me {$610.00}. I tried to call XXXX many times but it only asked for an account number which I did not have and the reference number from the email did not work. I did not create a XXXX account. ( Later I found out it was an account created by the merchant to process the transaction ) On or about XX/XX/XXXX I received a letter from XXXX  XXXX XXXX stating that I owed {$610.00} to XXXX. I called them and spoke with XXXX XXXX. He listened to my story and he said he would get more information. I spoke with him several times and he finally said he would send a letter to XXXX asking for the charge that was the cause of the collection account. 

About 6 weeks later I received a letter showing one transaction on XX/XX/XXXX. I then called XXXX XXXX and I explained to that my discover card billing systems show all the transactions and that their is a billing error on XXXX side. He the. Said he would look into it further and I did not hear back from him. 

My XXXX Transaction dates and amounts XX/XX/XXXX Charged : {$610.00} Credited {$610.00} XX/XX/XXXX Credited {$610.00} XX/XX/XXXX Credited {$610.00} XX/XX/XXXX Charged XXXX XX/XX/XXXX Charged XXXX In XXXX of XXXX I received a letter from credit Corp solutions. I was surprised because I through XXXX XXXX had resolved the issue. I called them on XX/XX/XXXX and spoke to XXXX XXXX who after hearing my story offered that I pay these fraudulent charges at a 30 % discount. I then asked To speak to a supervisor. He transferred me to XXXX XXXX. XXXX explained the same thing that it does not matter and the time has passed for me to question the validity of these charges. She said that I should have called pay pal. 

This website - gXXXX - was a fraudulent website to post a fake sale and steal money from hard working people. I never received the product and I am being harassed by these collection agencies even after explaining I do not owe these charge. I have offered multiple time to provide my statements showing that the money is not owned and each person I spoke to refused to look at them telling me it does not matter. 

Can you please help me in this matter.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting a bankruptcy on my credit report and has put the data furnisher as the, U S. Bankruptcy Court of Georgia, which is false. I have included a letter, from the U.S. Bankruptcy Court of Georgia, that states that they DO NOT furnish such information to the credit bureau or ANY credit reporting and monitoring agencies. Nor do they validate or verify any information concerning bankruptcies. 
Experian is falsely reporting this information on my credit report and have yet to remove it from my report.
Product: Credit card or prepaid card

This is a follow-up to CFPB case number XXXX, Wells Fargo case number XXXX. I was told by Wells Fargo on XX/XX/2018 that my next statement would contain the correct promotional terms ; however, my XX/XX/2018 statement still contains the incorrect promotional terms.
Product: Payday loan, title loan, or personal loan

I used Affirm to purchase a kayak from XXXX. I did receive a small payment from XXXX, but it was not for the full amount of the kayak. XXXX should have paid the full amount to Affirm. Instead I am stuck with a massive bill. With interest, I have already paid over half of the amount of a kayak that I returned as soon as I received it. Moreover, I was making payments for 6 months to Affirm before I even received the kayak. This should have never been set up like that. Please also look into XXXX, as they should not be allowed to operate in this manner.
Product: Debt collection

Re ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX. 
XXXX XXXXXXXX XXXX thru XXXX XXXX  Acct : ending in XXXX for {$3400.00} Financial Recovery File Number : XXXX Debt to XXXXXXXX XXXX XXXX on XXXX. 
XXXX - debt collection call from XXXX XXXX at XXXXXXXX XXXX 
XXXX - Response by Executor, XXXX XXXX, to XXXX XXXX uncured debt dismissed. 
under XXXX XXXX, Sec XXXX, of XXXX XXXX. 
XXXX - Financial Recovery Services assumes debt collection after discharge. 
Monthly collection statements continue from XXXX to date. 
XXXX XXXX diagnosed XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Monthly collection statements continue from XXXX to date. 
XXXX XXXX passes away from XXXX XXXX. 
XXXX I received a collection call from XXXX. 
Monthly collection statements continue from XXXX to date. 
Cease and Desist Order sent by me as Executor of the XXXX.
Product: Credit card

Paypal Credit, aka XXXX, did an inquiry on my credit report XXXX XXXX 2015. I never applied for credit with them. I saw this inquiry on my report so 6 weeks ago I contacted them and asked them to pull it, submitting certain documentation that they required. They have done nothing! Further I contacted XXXX ( case # indicated above ) and they pass the buck to Paypal saying they can do nothing about it. 
As inquiries on my credit report can hurt my score, I do n't appreciate PayPal or any other company making inquiries on me when I have not applied or currently maintain credit with them. Further I do n't appreciate XXXX in effect being a co-consipirator in this by passing the buck back to PayPal. 
I have go online and learned many other Americans have had inquiries on their credit reports as well from PayPal. A cease and desist order needs to be issued to PayPal and XXXX needs to be advised they can not take illicit inquiries. 

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

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

XXXX XXXX : XXXX, XXXX  XXXX : XXXX, XXXX XXXX XXXX A : XXXX, XXXX XXXX  : XXXX has violated my rights. 


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 a 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: Consumer Loan

HELLO this company is did a hard click on my credit file without my written consent i never asked them for credit and never authorized any one to ask them on my behalf they are refusing to remove the hard click of my credit file last XXXX of ss XXXX reported XXXX/XXXX/2015
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian XXXX XXXX has violated all of my The Fair Credit Reporting Act ( FCRA ) Rights by repeatedly reporting an account that is both inaccurate and fraud! XXXX XXXX is reporting different information to each consumer reporting agency. With XXXX they are reporting A balance owed of XXXX & A charge off date of XX/XX/XXXX. With XXXX they have reported XXXX balance. I have attached screen shots of this inaccurate info. They've reported to both XXXX and Experian different dates also. XXXX show XX/XX/XXXX & Experian Says XX/XX/XXXX. This account is fraud and has been reporting inaccurate information across the XXXX consumer reporting agencies.
Product: Debt collection

I have informed this company numerous times not to call me at work regarding a debt I'm not aware of because they never give me any formation who they are or who they represent. On this date, they called me at work yet again, I hung up on them. 

Not even 5 minutes later, my landlord calls me and informs me that this agency has called him asking for information on me. 
This company has also called me numerous times with threats of having me served with legal documents at my jobsite. Also, today a fax was sent to my employer at my jobsite requesting personal information on me. 

i need all contact to STOP IMMEDIATELY!!
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within XXXX 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 from XXXX and TransUnion. 

Please delete the following 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX, XXXX and TransUnion has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX  XXXX Balance Owed : {$0.00}. I believe it was reporting in error.
Product: Student loan

On XX/XX/XXXX, I receive a letter for the my employer, a school district, indicating that on XX/XX/XXXX they received an Order of Withholding from a company called of Premiere Credit of North America LLC, effective XX/XX/XXXX for a total amount owed of {$65000.00}. Prior to this, the district received calls from Performant and XXXX XXXX XXXX in XX/XX/XXXX indicating they are servicing the same student loans. A request for proof of the debt was made however none of the companies provided anything by mail or fax, rather stating they do not provide such documentation. I contacted the Department of Education on the evening of XX/XX/XXXX after work to find out who is servicing the loans and was given the name of XXXX XXXX, XXXX, and XXXX XXXX. None of these are the company who submitted the Wage Withholding Order to my employer. It seems that someone is flipping my student loans over to different companies and the balance is getting larger for the XXXX Degree that I earned 10 yrs ago. When the district received calls in XX/XX/XXXX from Performant, they were told that I recently applied for an installment loan and they were verifying employment. When they were asked to provide a contract or application confirming this alleged installment loan, they did not.
Product: Debt collection

XX/XX/XXXX XXXX times with in one min. 
XX/XX/XXXX XXXX times between XXXX pm to XXXX XX/XX/XXXX 9 times between XXXX to XXXX XX/XX/XXXX 7 times between XXXX to XXXX XX/XX/XXXX XXXX times between XXXX to XXXX This has been a continuous thing for the last several months to where it is disruptive to daily phone calls and daily life while trying to make and receive phone calls. Sometimes this is up to three times a day. 
The name of the company is XXXX XXXX and XXXX XXXX. IF needed I do have screens shots of this happened as well as having to pay for XXXX XXXX XXXX call protect.
Product: Debt collection

A written debt validation letter was sent to Phoenix Recovery Group and it was received by them on XX/XX/2020. I haven't received a response from them with any of the requested information for validation purposes.
Product: Credit reporting or other personal consumer reports

Experian wont remove account by the name XXXX  and wont show proof they have authority to report. Experian does not have written permission to report my non public information violating my congressionally contracted right to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Quicken Loans, INC has reported via XXXX  an erroneous late 30 days in XXXX XXXX and a late 90 days in XX/XX/XXXX. All payments were made on time until the sale of the home shortly thereafter. Current information is inaccurate and harming my ability to purchase a new home 6+ years later.
Product: Debt collection

On XX/XX/XXXX the plaintiff ( XXXX XXXX XXXX XXXX XXXX attempted to cancel the internet service provided by XXXX at the plaintiffs residence. The request was made via cell phone through the customer service number provided by XXXX. After being put on hold for over 30 minutes, the plaintiff decided to bring the equipment and cancel at the local XXXX office located at XXXX XXXX XXXX XXXX XXXX XXXX, MT XXXX XXXX On XX/XX/XXXX the plaintiff returned the equipment consisting of a cable modem, power adapter, and Ethernet cable to the local XXXX office. The equipment was accepted and a receipt issued ( Attachment 1 ). At that time, the plaintiff informed the store manager that he was cancelling service effective immediately.

The plaintiff also cancelled the virtual credit card that had been used for charges from XXXX. The last charge from XXXX for {$79.00} was dated XX/XX/XXXX which was paid by credit card ( see Attachment 2 ). This is a prepaid amount for service from XX/XX/XXXX through XX/XX/XXXX. Since the account was cancelled prior to XX/XX/XXXX, no charges should have been made to the account. 
During the following months, there has been no written communication from XXXX to the plaintiff regarding any discrepancies. On XX/XX/XXXX the plaintiff received a notification ( Attachment 3 ) from CBE Group ( a debt collections agency ) stating that XXXX had reported to them that the plaintiff was in debt for {$79.00}.
Product: Money transfer, virtual currency, or money service

Robinhood sold all my account stocks. Closed my account, transferred the amount of cash I funded the account. But didnt transfer the profit my account made. I can not withdraw {$320.00} of profit from my account as Robinhood closed my account and disable withdrawal. Ive been waiting for over 15 days for all of the money to be transferred to my checking account. But to no avail, the profit has not been moved in the 15+ days.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX & XX/XX/XXXX I did not authorize a credit pull
Product: Checking or savings account

Hello, Wells Fargo has been down for like 2 days now leaving customers including myself unable to access our accounts. I don't understand how the country 's 4th largest bank can have a nationwide shutdown due to one facility being down. Clearly Wells Fargo has no proper plans in place to protect their customers from a catastrophic meltdown and no contingency plans. This is outrageous and requires CFPB oversight and fines.