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

Under 15 U.S. Code 1692j - XXXX certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX.
Product: Student loan

I was notified via email from my bank 's credit report that there was a new account opened with a private student loan company. I currently have one loan opened for repayment. I logged into my account to find a newly opened application for one of my previously attended colleges for {$32000.00}. I contacted the loan company and they were able to cancel the account and assist with placing a fraud alert along with the cancellation. I rechecked my credit report from my bank and was notified of a social security breach on the dark web.
Product: Checking or savings account

On XX/XX/year>, I initiated a {$64000.00} ACH transfer from my Marcus account, which was successfully processed. However, unbeknownst to me, Marcus froze my account immediately after this transaction without any notification.

When I attempted to make another scheduled ACH transfer for a bill payment with a third party and provided Marcus ACH information, it was declined when third party tried pulling funds from Marcus account due to my Marcus account being frozen. I only became aware of this issue on XX/XX/year>, a week after when my biller notified me that my payment was returned with the reason " Account Frozen. '' Upon contacting Marcus on XX/XX/year>, I was informed that my account had been frozen due to the large ACH transfer on XX/XX/XXXX. Marcus failed to notify me of this account freeze through any means - no email, no letter, no phone call. This lack of communication is unacceptable and has caused significant issues.

As a result of Marcus 's actions and lack of notification, my reputation with my merchant has been damaged, and my third party account status has been downgraded. This has caused me unnecessary stress and potential financial repercussions due to returned payment. 

When I opened a case on XX/XX/year>, the representative, XXXX, handled the situation poorly. After verifying that the XX/XX/XXXX payment had gone through, he seemed disinterested in resolving my issue. His only response to my concerns was a perfunctory " I apologize, '' which did nothing to address the problems caused by Marcus 's actions.

This experience has been extremely disappointing and has shaken my trust in Marcus 's ability to handle my finances responsibly and communicate effectively with their customers. 

The case # XXXX was opened with XXXX on XX/XX/year> @ XXXX.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding XXXX XXXXXXXX XXXX failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Bank account or service

My mother was critically ill. She signed powers of attorney to me, her oldest daughter, to manage her money and pay bills. I went to Capitol One Bank and they refused to honor the XXXX of Attorney at all! Fortunately, she had me as a signature on her main account so I was able to gain control of that money. XXXX weeks later she was deceased. My brother, sister and I went to Capitol One to close her accounts and divide the money XXXX ways as were her wishes. I was able to get the money on the main account as above. We were able to get her other checking account closed. However, she had a XXXX there. Capitol One refused to break the XXXX and divide it. They would only allow my sister who was listed on that XXXX to retain ownership in her name alone. Other banks were all able to break the XXXX and divide the money for each of us. Capitol One said the judgement of possession did not give us the right to obtain the XXXX money before maturity! How is this legal?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$360.00} Charge-off : XXXX XXXX  XXXX Balance : {$18000.00} XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry:XX/XX/XXXX XXXX XXXXXXXX XXXX  Date of inquiry:XX/XX/XXXX XXXX XXXX  Date of XXXX XXXX XXXX  XXXX Date of inquiry:XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiryXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX  has failed to delete old information on my credit report. Also the information provided by XXXX XXXX  isn't 100 % correct. 

Code 15 U.S.C 1681 Sec. 602 A. States I have the right to privacy.

Code 15 U.S.C 1681 Sec. 604 A Sec. 2 also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

This complaint serves as a formal notice regarding the unresolved items on my credit report, submitted previously with an FTC report ( # XXXX, XXXX & XXXX ). Despite my efforts, these items have not yet been removed. Under Section 605B of the Fair Credit Reporting Act ( FCRA ), it is your duty to ensure the removal of any disputed items reported inaccurately, especially when accompanied by an FTC report. 

The items below continue to be reported inaccurately, infringing on my rights due to incorrect credit reporting. If these entries are not removed promptly, I will be left with no choice but to involve my attorney to initiate legal proceedings. However, I would prefer to avoid such steps if you adhere to the law in a timely manner. Attached here in this letter a new FTC report ( # XXXX & XXXX ) for reference. 

Please remove the disputed items below, as they were added to my credit report without my knowledge or consent, as required by FCRA Section 605B : 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 XXXXXXXX XXXX TRANSUNION : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

As outlined in Section 605B ( a ) of the FCRA, you are obligated to delete any disputed items within four ( 4 ) business days when provided with : ( 1 ) appropriate proof of my identity, ( 2 ) a copy of an FTC report, ( 3 ) identification of the disputed information, and ( 4 ) my statement affirming that this information does not relate to any of my transactions. 

Please also note that I do not authorize the use of XXXX or any automated verification methods for this request. I expect your full compliance and confirmation of removal within the specified four business days. 

Thank you for your immediate attention to this matter. I await your response within the stipulated timeframe.
Product: Credit card or prepaid card

ACCORDING TO MY BANK CHASE PUT A STOP PAYMENT ON A CHECK THAT WAS SUPPOSED TO BE VALID FOR A YEAR!!!! I ONLY HAD IT FOR ABOUT A MONTH!!!!! XXXX????? THIS IS COMPLETELY UNACCEPTABLE AND NEEDS TO BE FIXED IMMEDIATELY!!!! I CAN BE REACHED VIA EMAIL!!!! STOP HAVING ROBOTS CALL!!! I CAN'T UNDERSTAND A WORD THEY'RE SAYING!!!! I'VE BLOCKED YOUR PHONE NUMBER!!!! REPLACE MY CHECK WITH A VALID ONE SO I CAN BE DONE WITH CHASE FOREVER!!!!! YOU XXXX EVEN SENT ME A " RECEIPT '' OF THE CHECK!!!!! BUT THERE WAS NOTHING ABOUT A STOP PAYMENT!!!! I SHOULD NOT BE CHARGED {$15.00} BECAUSE OF YOUR BOGUS CHECK!!!!! THIS IS ABSOLUTE XXXX!!!! CUSTOMER SERVICE XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 To Whom It May Concern : It has come to my attention that continued requests for removal of items that do not belong to me are still entered as accounts on my credit report. Negatively affecting my credit/life. You also have incorrect names and variations listed, which is not normal. This is an immediate request for removal and blockage of incorrect and mis-represented information. It seems that a new account not belonging to me is appearing every few days. There seems to be a high-level of incompetence at this company, as I have continued to submit a dispute every 30 days with part of the disputes being removed and the other half remaining. This is unacceptable! Please remove the incorrect information immediately from my file.
Product: Credit card or prepaid card

I applied for a card with American Express. Because I have had cards with them before. However when I applied for a card today XX/XX/2018 with American Express that had NO annual fee, they Declined me. So I applied right after and I got APPROVED for an American Express Card with an  annual fee of {$550.00}. And when I tried again even after I got approved, to apply for a different card with NO annual fee, they declined me. The point I am trying to make here is that American Express is only approving me for cards with {$550.00} annual fees so they can gouge me. That is completely unfair to consumers like me. I don't mind the card with the annual fee & I plan to keep it open. American Express ran my same credit for 3 different cards : The American Express Cash Magnet card w/NO annual fee. The American Express Blue Cash w/NO annual fee, And the American Express Platinum w/ {$550.00} annual fee. And they only APPROVED me for the card with the annual fee of {$550.00} which is American Express 's best card. This does not make any sense. Please look into this.
Product: Credit reporting or other personal consumer reports

I sent a letter to the three credit bureaus ( XXXX, XXXX, TransUnion ) disputing negative items found on my credit reports dated XX/XX/XXXX. I am currently awaiting an update from them within the XXXX period. However, given that it will take time, I am following up on this matter here. Below is the list of items I want to be removed from my three bureau credit reports, as stated in my letter : XXXXXXXX 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 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 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: Mortgage

I successfully completed a loss mitigation with Total Mortgage my payment was increased from XXXX to XXXX after the increase in taxes down to XXXX. I was to skip month XXXX and XXXX and rsum payments to Total Mortgage. On XX/XX/XXXX I was switched to XXXX XXXX  and they then started billing me the XXXX, but I continued to pay the XXXX until XXXX when I was making every efforts to let them know of the error!
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX  XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX ; XXXX XXXX XXXX  XXXX Balance XXXX {$24000.00} ; XXXX XXXX XXXX XXXX Balance : {$720.00} ; XXXX XXXXBalance : {$0.00} Date Opened : XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} DateOpened : XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; XXXX Balance : {$0.00} Date Opened : XX/XX/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 XXXXXXXX.
Product: Checking or savings account

On XXXX XXXX I noticed unauthorized transactions via multiple atm machines. I called my bank, Wisely, disputing the charges. They first accused me of lying then offered to start an investigation. They claimed they could not reimburse my funds and Ill have to wait 90 days for the investigation before I could see any money. They are FDIC insured, according to my local PD, I should have been given my money back. Every time I call for a status update, I get told to be patient and theyre no updates to disclose. It took my local PD less than 2 days to start and finish their investigation, concluding its fraud.
Product: Checking or savings account

I HAVE BEEN RECIEVING EMAILS FROM A COMPANY CALLED CHIME ABOUT AN ACCOUNT THAT I HAVE NEVER HAD. ICALLEDTHEM ON SEVERAL DIFFERENT DAYS AND TIMES AND ALWAYS GET A RUN-A-ROUND. THE LAST XXXX TIMES I CALLED I RECEIVED AN EMAILSTATING THEY CLOSED THE ACCOUNTAND WHEN I TELL THEM IWANT THE PAPER WORKSHOWING WHERE AND WHEN THIS ACCOUNT WAS OPENED THEY REFUSED TO PROVIDE THEM TO ME.NOW SINCE THIS ACCOUNT THAT WAS SUPPOSED TO BE IN MY NAME HAS BEEN CLOSED TWICE WITH MONEY IN ITWHICH I NEVER RECEIVED I WANT THE PAPERWORK ON IT. THIS COMPANY DOES NOT HANDLE ANY OF THESE ACCOUNTS. THEY HAVE XXXX BANKS DO IT AND THESE XXXX BANKS ALSO SEND OUT THEIR DEBT CARDS. NOW ALL I WANT IS THE PAPERWORK ON THIS SO CALLED ACCOUNT SO I CAN TAKE LEGAL ACTION AGAINST THE PERSON THAT OPENED IT USING MY NAME AND ADRESS. I HAVE MOST ALL OF THE EMAILS THEY HAVE SENT.
Product: Payday loan, title loan, or personal loan

I am XXXX XXXX Military. In XXXX I took out a personal loan with Omni Financial for around {$8000.00}. In XXXX started going thru a Divorce. I stopped making payments late XXXX, Omni continued to charge interest despite me calling multiple times and asking for the interest to be stopped and for a payment plan. The loan sat at around {$13000.00} at this time. I XXXX overseas in XXXX until summer XXXX. I contacted XXXX several times trying to come to a resolution. All while interest continued to accumulate. 
Today, XXXX XX/XX/XXXX I called in an attempt to set up some kind of payment plan. XXXX refused, my current balance is {$23000.00}. I was given the option to restart normal monthly payment of {$480.00} ( keep in mind its over {$300.00} a month in interest at this point ) or to pay a settlement of {$18000.00}! More than double the amount of the original loan! 
XXXX also refuses to provide any documentation, IE original loan documents.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX Date : XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Incorrect Debt Information on Credit Report To Whom It May Concern, I am writing to formally dispute inaccurate information that appears on my credit report. The entry in question is a collection account from Merchants Adjustment Service, located at XXXX XXXX XXXX XXXX XXXX AL XXXX. 

I believe this debt is being reported in error for the following reasons : 1. I do not recognize this debt, nor do I have any records of owing this amount.

2. The debt collector has not provided any valid documentation verifying the legitimacy of the debt, despite my formal request. 

Please investigate this matter and remove the inaccurate information from my credit report. Enclosed with this letter, you will find copies of my credit report with the disputed account highlighted and any relevant supporting documentation. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I expect this error to be corrected or deleted from my file and a written confirmation of your investigation findings to be sent to me. 

If additional information is needed from me, please do not hesitate to contact me using the information provided below. Thank you for your prompt attention to this matter. 

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

XXXX ) I am writing to express my complaint on WISE for holding my money for a long time. WISE has closed my personal account on XXXX of XXXX and is not returning the money to my personal account till now, XXXX of XXXX. I provided all the required data for refund from my personal account, where at the time of closing were XXXX euros. I would like to receive this money into my personal account in another bank as soon as possible, since I have nothing to pay for my expenses and this amount is very critical for me. 


2 ) MY business account in WISE were closed as well. There was a small amount in my WISE business account, and I do not have another account for the same company name as WISE asked. I do not plan to open a new business account to return the money. can I receive them to my personal account?

3 ) Can those 2 refunds be done separately from each other? Can I firstly get my personal money back as I provided all required info asap, please?
Product: Bank account or service

Wanted to close my bank account @ XXXX bank. I was told there is a fee for closing account of {$50.00} to close the account plus other service fee. After being on the phone for 2 hours trying to get this resolved, I get the vague answer that within banking guide lines that they have to charge a fee. Got a run around where they have transfered my call XXXX times and the XXXX agent said they could waive the fees. I originally open this account XX/XX/XXXX when it was XXXX bank and now XXXX
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX SSN : XXXX Phone : XXXX REFERENCE : XXXX TO WHOM THIS MAY CONCERN, RECENTLY I SUBMITTED AN ONLINE APPLICATION FOR A CREDIT CARD DUE TO SEVERE FINANCIAL HARDSHIP. ONLY TO BE DENIED ACCESS TO MY OWN CREDIT AS A CITIZEN, WHICH IS A FRAUDULENT BREACH OF FIDUCIARY DUTY.

I BELIEVE I WAS DENIED DUE TO DISCRIMINATION AGAINST ME FOR BEING A ( XXXX ) XXXX XXXX XXXX WHO HAPPENS TO BE OF XXXX XXXX. 

BANK OF AMERICA IS CURRENTLY IN VIOLATION OF THE EQUAL CREDIT OPPORTUNITY ACT AND CONSUMER CREDIT PROTECTION ACT. 

NOTHING LESS THAN FULL REMEDY OF THIS MATTER WILL SUFFICE. 

FAILURE TO RESPOND WITHIN XXXX BUSINESS DAYS, WILL CREATE IMMEDIATE LEGAL ACTION.
Product: Debt collection

I have not had XXXX XXXX XXXX as a service since 2009 and when i left them i paid off my account and contract with nothing owed. Today i have a new collection on my report from a collection company that bought the debt from XXXX XXXX XXXX. I've tried to communicate with them and the credit bureaus that this debt is not mine but have not gotten any results. Please help as it is affecting my ability to get the best home interest rates.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wakefield & Associates is reporting Account # XXXX to my consumer report which is FALSE & MISLEADING because I have no legal obligation or contract of any sort with Wakefield & Associates XXXX This is a violation according to CFR 1006.18 ( FALSE, DECEPTIVE, OR MISLEADING REPRESENTATIONS OR MEANS. I demand for Wakefield & Associates to DELETE the negative item from my credit file, immediately I demand for Wakefield & Associates to DELETE the negative item from my credit file, immediately. I requested for Wakefield & Associates to abide by the law and send the required disclosures. I am only exercising my rights as a consumer by demanding Wakefield & Associates to abide by the law
Product: Checking or savings account

Citibank, with no engagement, decided to close my account on XX/XX/2022. The reason was that this was based on a review. They immediately blocked all debits and this has caused me to default on a number of payments -credit cards and mortgage. As background, I recently had some funds wired to my account and immediately tried to send some of those funds XXXX  to complete a transaction. The outgoing wire was canceled a few times .When I called Citibank , I was told that my account was being blocked. I then proactively sent documentation to Citibank detailing the source of funds deposited in my account and the purpose of the outgoing wire. These are attached .None of this has been acknowledged. I have tried several times to discuss with Citibank about urgently returning funds to me and they have refused stating that the funds do not belong to me. I am highly inconvenienced
Product: Mortgage

I am currently in the process of doing a short sale with Truist my mortgage company. The 1st Loss Mitigator, XXXX XXXX was being uncooperative, and she made an inappropriate comment to me. She also was not responding timely during the process. She also denied the short sale due to findings of an unqualified vendor they used for the appraisal process. I filed a complaint with your agency and she was replaced with another colleague and I received the exact response and I feel its because of the complaint I filed. I would really like to get this short sale process finalized as it's been going on for at least 6 months.
Product: Prepaid card

You can't get a live person, only a recorded version of FAQ and the ONLY answer provided is : " You may use your American Express Gift at retailers and Online merchants who accept American Express Gift Cards. '' I have researched this for hours and NO PLACE accepts them. I even tried using it with my XXXX account and got declined, yet .XXXX  was deducted from my prepaid balance of {$150.00}
Product: Credit reporting or other personal consumer reports

I was laid off due to the pandemic and called XXXX XXXX  to make accommodations to ensure my credit would not be impacted because due to my hardship. I recently check my credit report in XX/XX/XXXX. I called XXXX and was assured the late payments were in error and would be updated and removed. I checked my report again XXXX and XXXX and seen the payments still being reported. I contacted Experian and XXXX and requested verification of me being late. I have not received a response and this is severly impacting my payment history. Reporting inaccurate late payments to my profile is in violation of 15 USC 1681 s-2 ( f ), those payments were covered under CARES ACT. After calling to ensure the LATE PAYMENTS ( XXXX, and XX/XX/XXXX ) reporting was in error, this further violates 15 USC 1666B.