23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

This bank is crazy unbelievable I hate them the way they are to me is horrible they should be out of business everything sucks when I apply for their credit card more than once they decline me send me a letter with only one reason which doesnt make sense when I call to go over this reason they either dont answer or dont want to speak with me Ive waited over 90 days to reapply because thats how bad I want the credit card rewards with them but they turn me down and I dont feel this is fair their credit department treats me awful I feel discriminated
Product: Debt collection

I recently received a phone call from XXXX. The company name is Benuck & Rainey. I was told it was for medical equipment from XXXX XXXX I had in XX/XX/XXXX. I advised that I had not received a bill for the {$80.00} they said I owed. I also explained that my address had changed but she did n't seem interested in correcting my billing address. The person on the phone became rude, argumentative, talked over me. etc. I explained I would not verify info over the phone and asked them to contact me via mail. I tried my best to treat them exactly as they treated me, so I was n't nice. After disconnecting the call I immediately began receiving hang up calls from them. They also called me from another number XXXX. Reverse phone search revealed this is the same company. This all started onXX/XX/XXXXat XXXX XXXX. In addition I received several call with the caller id blocked which appeared as " UNAVAILABLE '' on my caller ID. I called back and spoke with someone who stated she was a supervisor. She basically said I was a liar, and she was sitting with the representative. I told her I did not intend to conduct business with their company and asked for all correspondence to be via mail. I received another call today and was told by the representative that the company had 20 phone lines and would continue to call me. When I receive a bill, I will be happy to consider payment, not until.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under [ 15 U.S.C. 1681 ] section 602 states I have the right to privacy [ 15 U.S.C. 1681 ] section 604 ( a ) section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under [ 15 U.S.C. 1666 ( b ) ] a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Mortgage

The Borrower is in Chapter XXXX Bankruptcy. The Order for Loss Mitigation was XX/XX/XXXX.
The loss mitigation application was submitted to Nationstar on XX/XX/XXXX.
The borrower was denied on XX/XX/XXXX without sending the paperwork through the XXXX XXXX XXXX per the Bankruptcy Court Order and Nationstar did not provide any of the guidelines or explanation of underwriting requirements that prevented the loan modification.
Product: Payday loan

Been getting harrassing calls fr om Monterey Financial Collections ab out a debt I have no idea about. They put it in collections without ever sending me anything in the mail to prove to me I owe anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a public record & XXXX XXXX  entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how Equifax, XXXX and XXXX verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Equifax back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.
Product: Credit reporting or other personal consumer reports

Hi, Im writing about an account on my credit report that I think is inaccurate and hasnt been properly verified. After looking over my credit reports from the other bureaus, I noticed that this account doesnt seem to match up. 

Under the Fair Credit Reporting Act ( FCRA ), youre supposed to make sure the information you report is correct and do a full investigation when someone disputes an account. Based on what Ive found, I dont believe this account has been verified correctly. 

Here are the accounts Im disputing XXXX XXXX XXXX XXXX account number XXXX Bankruptcy File Number XXXX and XXXX XXXX  XXXX account number XXXX Capital XXXX account number XXXX XXXX XXXX XXXX account XXXX XXXX I also know about the recent lawsuit between the CFPB and Experian, where Experian got called out for not handling disputes properly. Id like to avoid having to escalate things, so Im giving you the chance to take another look and make this right. 

Heres what I need from you : 1. A clear Method of Verification ( MOV ) that explains : Who you contacted to verify this account ( their name and contact info ).

Exactly what steps you took to investigate my dispute.

Copies of any documents you used to verify the account.

2. If you cant properly verify this account, I want it deleted from my credit file.

Just so were clear, under the law, I have the right to know exactly how you investigated this and verified the account. If you cant give me that information, Ill have no choice but to take this to my states Attorney General, or other authorities. 

I expect to hear back from you within 15 days. If you cant verify this account, please remove it. If you need to contact me, use the address above. 

Sincerely XXXX XXXX
Product: Debt collection

Received letter stating I owe {$75.00} dollars to XXXX XXXX Hospital in XXXX XXXX, Ca. 
Date is showing XX/XX/2016 This is a first for me. This account is now assigned to U.S Asset Management by Eos CCA. all ownership rights have been sold.Wi I need some proof. I have proof for this date they are claiming. 
I do not need this type of stress for {$75.00} dollars. 
I am on Social Security also recovering from XXXX XXXX XXXX. 
I do not need this company ruining my credit or making numberous calls. 
The letter I am enclosing does not state the legal saying Attempt to collect a debt etc. Is this a violation of my rights under the policy.
Product: Credit card

Again, I am a victim of identity theft and reported to Discover my 2 accounts were breached online allowing access to my information including username and password. REPLACEMENT cards sent to me are invalid. Guessing the criminal has reported lost/stolen again to receive valid credit cards. Requested also last 3-6 months of statements from both accounts to be mailed to me. I will not use online services any longer since that's how I was breached.

DISCOVER would not mail me my 2 replacement credit cards that I again reported 2 days ago, stating they could not verify my identity. Unbelievable! A criminal using MY IDENTITY is able to report lost/stolen cards and get replacement cards mailed but I can not. 
I kind of believe my numerous phone calls to Discover may have also been compromised by forwarding my calls to some unknown person posing as Discover.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have right under 15 USC 16 81. 
XXXX, Transunion XXXX XXXX is governed by 15 USC 1681, and they have violated my rights numerous times. I demand the accounts listed below to be removed because according to 15 USC 1681 : I have the right to privacy and I did not give XXXX, Transunion XXXX XXXX written permission to furnish these accounts : XXXX XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

I have my house payment financed they XXXX XXXX  or Loan care. I usually pay online and am current with my payments. My XX/XX/XXXX payment I have yet to pay bc their website is currently down and the phone number of XXXX no one is answering and recording states systems are done. I am worried about accruing late fees and damage to my credit but I have no way of making the payment online or via phone. If I mail in a check, with their systems down I am hesitant bc they will not be apply or process it to my account.
Product: Debt collection

I checked my credit file and I saw account XXXX XXXX on my credit file. This collection agency is not licensed to collect a debt in the State of Texas and I would like for this account to be removed off my credit report. Account number XXXX and XXXX
Product: Credit reporting 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. 



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 inructions 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.

These are the inquiries which should be off from report.
Product: Credit reporting or other personal consumer reports

There are a total of XXXX accounts reporting on my credit report from a company called XXXX XXXX XXXX. These accounts are fraudulent and they do not belong to me and I respectfully request that you remove them from my credit report expeditiously. I have filed police reports and and will be sending the original creditors these documents as well. 
The accounts are as listed below XXXX : Original Creditor : XXXX XXXX XXXX XXXX {$2700.00} Account No. ( Partial ) : XXXX Date open : XX/XX/XXXX Reported : XXXX XXXX, XXXX XXXX : Original Creditor XXXX XXXX XXXX XXXX : {$620.00} Account No. ( Partial ) : XXXX Date open : XX/XX/XXXX Reported : XXXX XXXX, XXXX XXXX. XXXX : XXXX XXXX : XXXX XXXXXXXX XXXX  XXXX {$520.00} Account XXXX. ( Partial ) : XXXX Date open : XX/XX/XXXX Reported : XXXX XXXX, XXXX
Product: Credit card or prepaid card

I purchased a mattress at Mattress firm, I was approved and signed up for an in-store credit card with them through Synchrony bank. I logged into their website to make a payment and sign up for auto pay. Beforehand I was informed by a representative over the phone that if I wait until XX/XX/XXXX to make a payment on the card I could have Auto-Pay auto-draft from my account on the XXXX of the month instead of the end of the month. ( The wife and myself get paid at the beginning of the month so we like our payments early on it helps with budgeting. ) Well on XX/XX/XXXX I logged into their site and set up auto-pay along with my first payment of {$120.00}. Well around XX/XX/XXXX I checked my bank balance to see that my account was negative XXXX. I was charged the entire statement balance of the card from Synchrony bank at the end of the month. As I'm panicking because XXXX is coming up and I'm XXXX dollars in the whole, my bank even said the amount was posted and not pending. My Synchrony balance showed that my balance was XXXX owed as opposed to the XXXX that I owed at the time of setting up my auto-pay. Meanwhile I reach out to Synchrony via website text chat. There was no option to print out a transcript of the conversation but I was told from the first person that they would send me a check to fix the error and asked for my address. I got disconnected from the chat and reconnected with someone else, they informed me that they cant send a check and that the employee who said that was new. They explained to me that since my account didn't have the funds that my bank should cancel the transaction automatically in the morning. Skeptical, I reached out to Regions and got a hold of an agent via text chat as well who was extremely helpful. By XXXX the next morning the transaction was refused and my Synchrony balance was back at the original amount. That is a very stressful situation. I cancel auto pay and go back into the auto pay screen and very sneakily is the option in three radio button style set up, the options include, XXXX XXXX, XXXX XXXX XXXX or pay Minimum balance ( XXXX ). Well apparently I had XXXX XXXX XXXX selected as default. I don't know about you but when I set up for auto-pay, I think one would by default only want to pay the minimum or a custom amount before setting up auto pay to have them draft the entire amount for just one month. Autopay literally makes zero sense for just one month, the entire balance. 

I now owe a XXXX dollar fee for my monthly payment this month for my account refusing the payment. It's XXXX dollars, not a huge deal whatever, I'll pay it but I'm willing to bet that this is something that is recurring at Synchrony where many people who sign up for auto-pay have this happen to them and Synchrony gets to reap the benefits of tacking on a fee. I'm not sure what can be done at this point but I'm one month into working with them and this is entirely unacceptable. 

Thank you.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, I do not have a contract with XXXX XXXX, they did not provide me with the contract as I requsted.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft at the beginning of the pandemic and I have been affected ever since. I have called the companies and spoke with them in length that these items are not mine. I have done everything I can to have these items removed. They are effecting my everyday life I literally have XXXX  XXXX  over this identity theft. The people who stole my identity filed fraudulent claims against my identity credit cards and its pandemic unemployment benefits.
Product: Bank account or service

The terms for the fees on my checking account changed without my knowledge. I am now being charged a $ XXXX/mo fee because the minimum deposit amount changed from $ XXXX/mo to $ XXXX/mo for their workplace banking account.
Product: Credit reporting or other personal consumer reports

I am the author of this complaint and I have attached my driver 's license, social security card, dispute letters and a copy of my ID theft report. 

I checked my consumer credit report and noticed some inaccurate, incomplete, and fraudulent accounts. These accounts and the reporting of these accounts are in violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I have been negatively impacted as a result of these errors. The CRAs and creditors did not conduct a reasonable investigation and has blantatly ignored my disputes. 

Please delete these accounts listed below along with the following reasons : 1. XXXX  - Violation of15USC 1692e ( 4 ) - validation of debt and 15 USC 1692g unfair and unconscionable practices 2. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) - Violation of15USC 1692e ( 4 ) - validation of debt and 15 USC 1692g unfair and unconscionable practices 3. XXXX  - Violation of15USC 1692e ( 4 ) - validation of debt and 15 USC 1692g unfair and unconscionable practices 4. XXXX XXXX XXXXXXXX ( XXXX : XXXX ) - Violation of15USC 1692e ( 4 ) - validation of debt and 15 USC 1692g unfair and unconscionable practices 5. XXXX - Violation of15USC 1692e ( 4 ) - validation of debt and 15 USC 1692g unfair and unconscionable practices 6. XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  Violation of15USC 1692e ( 4 ) - validation of debt and 15 USC 1692g unfair and unconscionable practices 7. XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) - Violation of15USC 1692e ( 4 ) - validation of debt and 15 USC 1692g unfair and unconscionable practices
Product: Debt collection

The debt has been on my credit report for two years now. In those two years I have only received one letter in the mail which was at the very beginning when it was sent to collections. I haven't received any mail, emails, or calls from this agency throughout this whole time. I am now trying to collect information and they aren't providing me with any unless I put a card on file and pay the full amount. Today, XX/XX/year>, they told me that in order to get account information I would have to write a letter requesting it and did not tell me how long it would take for them to get back to me. I have also tried gaining access to my account on their website, but it prompts a no access and to call them for information.
Product: Checking or savings account

I am to formally express my concerns regarding Capital One handling of deposits and payroll checks, particularly in light of the recent outage highlighting significant issues with the platform. Despite using Capital One numerous times and reporting discrepancies, my financial institution and Capital One failed to investigate my claims adequately. They informed me that recovering my paycheck lost funds was impossible and that tracking these transactions was unfeasible. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I sold my bitcoin. Actually I sold XXXX of my bitcoin. I purchased it in XXXX through an agency called Coinbase. The selling price was {$9700.00} on XX/XX/XXXX. Today is XX/XX/XXXX, which makes it the 16th business day, and after numerous E-Mails of inquiry, I still have not seen this money deposited to my bank account and no response from Coinbase. The Reference Code for this transaction is XXXX, and the amount after their fees is {$9600.00}. I took a screenshot of the transaction which shows " complete ''. I can attach this document if necessary. The problem with Coinbase is that you can't talk to a person. All correspondence must be by E-Mail
Product: Checking or savings account

On XX/XX/2023, just after my wife 's monthly paycheck of {$5700.00} was direct deposited my Bank of America account was unexpectedly frozen, as well my wife and XXXX sons ' accounts. Also, my check for {$2400.00} was deposited on XX/XX/XXXX and was also held by the bank. 
In an attempt to rectify what appeared to be a mistaken action, my wife and I visited our local Bank of America branch on XX/XX/2023. To our dismay, the branch manager informed us that they were equally puzzled by the situation. Moreover, they explained that their system was locked, and they were unable to release our funds. This was a particularly distressing situation for us because our autopay bills were set up, and our mortgage payment was due on the XXXX of the month. 
We were hoping the BofA staff can help us understand the reasons behind the account closure. Unfortunately, the bank asserted that they were under no obligation to disclose the cause, citing a disclosure we had signed when opening our checking accounts. This disclosure stipulated that, in the event that Bank of America chose to terminate their relationship with a client, they were not required to provide an explanation. 
We accept the decision to no longer be a Bank of America customer, our primary concern is the withholding of our familys funds. We are hardworking individuals ; the bank is well aware of my solid banking history, as I've consistently maintained a positive standing with them. Due to the bank 's failure to release our funds, my family and I are currently facing financial hardship. We are in dire need of our own hard-earned money that they refuse to release. It feels as if we have become victims of an arbitrary decision made by Bank of America. I was unaware of the extent of control the bank had over our earnings. 
Fourteen days have passed since our funds were frozen, and despite numerous attempts, the Risk Closure department at XXXX has yet to reach a decision regarding the release of our funds. Their only advice has been for me to keep calling.
Product: Debt collection

Disputed this fraudulent credit item with XXXX Report Number : XXXX who states item verified. The company was unable to submit verifiable documentation of the debt. Submitted notice of possible violations to all parties ( XXXX  & Its Client Data ) FCRA Section 1681 ( C ) ( 1 ) ( 6 )  FCRA Section 604 ( A ) ( 3 ) Non permissible purpose {$1000.00} fine 0r {$2500.00} Statutory Fines. 

COPY OF NOTICE SENT ALL PARTIES ============================================================== CONSUMER COMPLAINT NOTICE! 
FCRA Section 623 VIOLATION!!!!! 

FCRA 5 U.S.C. 1681s-2 FURNISHER VIOLATION!!!!! 
( 15 USC section 1681e now being enforced pursuant FCR 15 USC section 1681i ) PUBLIC LAW 910-508 Title VI CCR/Sec.617 MORTGAGE LOAN PENDING!!!

( Principal amount in excess of {$50000.00} ) Final NOTICE! ( XXXX  & Its Client Data Reporting ) FCRA Section 1681 ( C ) ( 1 ) ( 6 ) FCRA Section 604 ( A ) ( 3 ) Non permissible purpose {$1000.00} fine 0r {$2500.00} Statutory Fines RE : XXXX Report Number : XXXX This letter is a request to have the below listed accounts re-investigated, corrected, the reporting creditor denies having been contacted by this bureau in reference to this issue. Moreover, the reporting creditor is unable to provide verifiable documentation of reported debt to XXXX. Pleas removed this negative item from my credit files, and all unauthorized inquiries updating credit file with these corrected changes ASAP. These incorrect items is affecting my credit score which has caused problems with acquiring mortgage financing approval for my home purchase, and also, there may also be a violation of 15 USCS 1681e, including FCRA Section 604 ( A ) ( 3 ) Non permissible purpose {$1000.00} {$2500.00} statutory fine. Send names and addresses of persons recently contacted with 30 day. This information needs to be corrected before my mortgage loan go into underwriting as soon as possible. Please mail me an updated copy of my credit report including credit score to submit to my loan officer. Moreover, Im requesting that all unauthorized inquiries be removed from my credit files as soon as possible. Thanks! 
Cordially, Consumer Attest/Signature : XXXX XXXX Cordially, LOAN CLOSING DATE : XX/XX/XXXX XXXX XXXX SSN # : XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX XXXX, Ga XXXX cc : Consumer Complaint Board Consumer : Creditor Name Acct # Comment PORTFOLIO RECOV ASSOC XXXX. Not Mine XXXX XXXXXXXX XXXX Never Late Inquiries XXXX Remove All Unauthorized Inquiries