23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I applied for the secure Capital One credit card got approved and made the required down payment. The card arrived and tried to activate online but got error this could not be processed and would need to call to activate. I was then told account was flag for fraud to my surprised, as seem crazy for someone stealing my identity to apply for a secure card and pay with their own money from their bank account the down payment required to open the account. I was then told needed to send in my driver 's license thru a secure email link as proof showing the address I applied with and I did. I contacted them back a week later as did not hear back with confirmation card was activated. Now being told I need to also send in my SSN, bank statement and a utility bill as well. Capital One claims this is to prevent fraud but yet asking customers to provide all their personal information that someone can now decide to use and in fact steal my identity. I find this ironic and refuse the provide them anymore documents especially my bank statement which shows my full account number. I 've already provided my driver 's license and SSN which is too much information already. At this time I rather the account be cancelled and refund my down payment back to my bank account. I will put an alert on my credit report as well to make sure my identity is not compromised seeing as how a copy of my license and SSN is now in the hands of some unknown person or persons at Capital One. Where is my guarantee my information provide has not been compromised.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 i initiated a money transfer via Moneygrams app which I have done before to my father in the amount of {$2900.00}. We did not know my fathers account has a credit cap if {$2500.00} so his financial institution rejected the credit to his account twice ( verified with them ). I called moneygram to receive and refund and they have stated the past 5 times I have called that they are u able to process it and it will take up to 30 days HOLDING my {$2900.00} money in limbo ( making interest off it ) and not give me any information on such a straight forward refund. It would take their team a simple phone call to verify the bank rejected the money to be able to refund it back to me. I need that money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

this account was opened XX/XX/XXXX the last payment was made XX/XX/XXXX account shows closed XXXX bad debt ) XX/XX/XXXX. the amount owed is XXXX this company " XXXX XXXX '' continues to report the wrong debt amount increasing this amount by XXXX every month it is now being reported as XXXX.I have tried to reach out with an affordable payment arrangement in the past, the representative from this company was at the time very condescending, rude and unwilling to work with me. I made an offer of payment and was told that the amount would not even cover the interest accumulating on this account and would do me no good to pay the offered amount.it is to my understanding that reporting anything other than the actual debt is unlawful, and goes against the fair reporting in my state of Ohio. I demand that this reporting stops upon receipt of this complaint. and all credit reporting agencies cease reporting this on my name.
Product: Credit reporting or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The FederaXXXX Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Product: Credit reporting, credit repair services, or other personal consumer reports

The listed inquiries were not authorized by me. It is imperative that these fraudulent inquiries are promptly eliminated. Given that my social security information was compromised in the XXXX breach, Transunion breach, and the black market, it is crucial that these inquiries are removed. The presence of these fraudulent inquiries has caused significant distress for both my family and me, as it has resulted in being denied the essential transportation required for commuting to work and my child care provider. 

Fraudulent Inquiries : XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX TransUnion
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress. ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

I have two accounts with Capitol one. They deleted my banking information today, even though my last two payments went through on XX/XX/XXXX. Customer service agent said they updated there information and now only have my old payment accounts available. I asked him when was the notifications sent out about the changes and he wouldn't respond. He put me on hold. When he came back he kept insisting I just simply input my bank routing number. That they didn't have it. I asked him if they didn't have it already then how was my payments getting through. I asked him why are old payment accounts still available if the banking information I had currently used for the last two years was deleted. He had no response. All he kept implying was I need to reenter my banking information. I said I don't like the fact they tampered with my payment account information with out my approval or consent and there isn't a way to take off my old payment accounts. I feel unsettled about the matter and asked if I was allowed to pay with money order and he told me no. I asked him a few times to clarify that I was infact not able to pay with money order. Each time he told me no. I asked him to give me the policy in which they changed and no longer take money orders. He couldn't. I told the Capitol one customer service agent that I am recording the call the same way he is recording the call. He then got shifty with his responses. He told me to access the information online. That they do infact take money orders. I had no notice of change nor was I consenting to this company messing with my bank card information. I want to know why there isn't a way to deleted old bank accounts linked for payments. And I want to know why I was decieved and lied to. I contacted this company around XXXX XXXX on XX/XX/XXXX. After I got off the phone with the agent I googled if the company in fact takes that form of payment and they do. This behavior has me concerned so I locked my cards and am reporting these practices. It seems deceptive to lie about policies, messing with customers payment banking information, and not being able to deleted old banking accounts linked for payment.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history with XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/2023 to XX/XX/2023 to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Money transfer, virtual currency, or money service

On or around XX/XX/year>, a person I did not know deposited money into my PayPal account. This likely was a scam. The person then charged back the amounts, and disputed the amounts through PayPal. PayPal found in favor of the scammer and levied a {$15.00} fee against my account. PayPal refuses to remove the fee even though I have said multiple times this was a scam. PayPal is now threatening to deactivate my account due to the fee. The PayPal internal case ID is Case ID XXXX.
Product: Checking or savings account

I am writing to file a complaint against navy federal credit union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized. I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against navy federal for similar practices when transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit card

I called at the beginning of this week, Monday XX/XX/XXXX, after receiving a card for my daughter to active it as a user. Upon calling I was told that I could not activate the card because my account had been closed and there was nothing they or I could do about it. I asked to talk to a supervisor who told me the same thing and also told me that he could not tell me the reason why my account had been closed and I will be receiving a letter explaining the reason. I was chocked and upset and hanged up. I called again and I explained that I had scheduled an automatic payment of {$500.00} for XXXX the XXXX. and I wanted to cancel it and schedule another payment for the total amount of the credit line that is {$700.00}. The representative told me that I owe {$1300.00} because on XX/XX/XXXX. I had called to request a check of XXXX {$1300.00} and that my account is closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reinvestigated my credit report, I realized that some of the information was erroneous. The accounts that need verification are still in my credit report, I need the accounts to be verified and repaired for they are misleading and erroneous. 

Please verify these accounts : XXXXXXXX XXXX XXXX XXXX {$82.00} XXXX XXXX XXXXXXXX Balance : {$4100.00}
Product: Credit card

Synchrony Bank, which manages CareCredit card, has ran credit reports on me to open an account multiple times, multiple weeks. They have already issued me a card. XXXX reports were ran with XXXX, a week apart. This is going to effect my credit score and should not be allowed.
Product: Credit reporting or other personal consumer reports

Your Name ] [ Your Address ] [ City, State, ZIP Code ] [ Your Phone Number ] [ Your Email ] [ Date ] [ Creditors Name ] [ Creditors Address ] Subject : Goodwill Request for Removal of Negative Reporting Dear kick-off I hope you are doing well. I am writing to request a goodwill adjustment on my credit report regarding account XXXX which reflects late payments/charge-off/collection. 

Due to hardship, job loss, medical issues, financial struggles, I was unable to meet my financial obligations at the time. However, since then, I have worked hard to rebuild my credit and maintain timely payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple hard inquiries on my Transunion credit report that I did not authorize. Hard inquiries from the following companies and dates : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX & XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX/XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX & XX/XX/XXXX. I have contacted Transunion on several occassions for assistance with the removal of these inquiries, last of those attempts being today. I have also contacted the companies reporting these inquiries and have been told they have no record or to contact Transunion because they are reporting. Today I spoke with XXXX XXXX and was told " Transunion only maintains credit report hard inquiries and are a statement of FACT. The creditors have accessed my file ststing they have permissable purpose to do so ''. How is this factual when I the consumer state I DID NOT AUTHORIZE THEM. My back is to the wall at this point, I am only one person and can not seem to get assistance. I have contacted Transunion XXXX XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX.
Product: Debt collection

XX/XX/XXXX  at  XXXX   XXXX  from phone number  XXXX   (   XXXX  )  XXXX  Transworld system attempted to collect a debt which I am already making payments on. The stated that they were calling on th e behalf of   XXXX   XXXX   XXXX   XXXX   XXXX  services. This is starting up I feel because I have in placed a formal review with  XXXX  for the negitive reporting done by  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  on  XXXX / XXXX / XXXX . It is being reported as a charge off balance unpaid account closed on  XX/XX/XXXX . I have been making payments to this company for awhile in the amount of {$170.00} plus they have received my past  XXXX  (  XXXX   ) Federal t ax returns. These payment are made directly through EFT to this company out of my  XXXX  check from SSN. How can this be legal for one and then to tell me that all my payments will go to interest. How can a company charge you interest on a closed, charged off account, all the while taking payments. Is this a violation of FDCPA 807.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a fraudulent credit report for XXXX XXXXXXXX which I never inquired for and also I have never even given them my information at all before! They have showed up as a hard inquiry on my account since XX/XX/2022. Also, speedy cash has a lawsuit for fraudulent activity that has now made its way to my collections!
Product: Credit reporting or other personal consumer reports

Please provide me with a statement of account with proper remittance for this credit card under Article 9 of the UCC that verifies the amount of a {$410.00} late payment being reported on my consumer credit profile. If the original creditor can not provide that documentation, please delete this account immediately as it is inaccurately reporting under the FCRA.
Product: Payday loan, title loan, personal loan, or advance loan

I was told I would get a reduction in the amount of my loan if I made payments on time. The monthly payment was supposed to be reduced. After a couple of payments were made at the reduced amount. The next payment went back to the original amount. I just continued to pay since I will be finished paying the loan on next month.
Product: Credit reporting or other personal consumer reports

As a consumer under law, I am being ignored by Experian. Their willful disregard of this inaccurate reporting on my credit report is hurting my reputation and my way of living.
Product: Debt collection

This is the 2nd time I have had to file a complaint through cfpd against XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, WI. Since XXXX we have been in the middle of MANDATED MEDICAL MALPRACTICE MEDIATION. During which time XXXX submitted thousands of dollars of so called medical debt after I filed a complaint for medical malpractice with XXXX XXXX. I PAID THAT DEBT. Please refer to XXXX case # XXXX, XXXX XXXX, 2019 for prior co, plaint and evidence of XXXX XXXX XXXX XXXX SUBMITTING PAID MEDICAL DEBT TO MULTIPLE COLLECTIONS AGENCIES IN AN ATTEMPT TO INTIMIDATE ME FROM PURSUING MALPRACTICE CHARGES. 
Again, this is ALL paid debt. 
This is MULTIPLE attempts of : -FRAUD -HARRASSMENT -INTIMIDATION -RETALIATION -VIOLATION OF RIGHTS -VIOLATIONS OF ETHICS THIS COMPLAINT IS AGIANST THE FOLLOWING HOSPITAL, THE COLLECTION COMPANIES, and THE HOSPITALS LAWYERS THAT KNEW OF THIS AND ALLOWED IT TO CONTINUE TO HAPPEN. THAT CONTINUE TO ENGAGE IN CRIMINAL BEHAVIORS. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , WI XXXX -XXXX, XXXX, XXXX, XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX -XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX , WI XXXX -XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, WI XXXX or ( XXXX ) XXXX -XXXX  XXXX XXXX XXXX XXXX XXXX, MI XXXX or ( XXXX ) XXXX ALL the above named companies have been engaged in criminal activity against my person, physically, financially, and emotionally. 

This type of business is ethically and lawfully violating. I hereby request a FULL SCALE INVESTIGATION of the practices of the above named companies IMMEDIATELY. 
I will be also be filing complaints with the safety dept, state bar, ag, and governor.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was applying for a job in XXXX and it required credit check and I was not sure what I clicked but I didn't sign up for anything. There was no receipt or anything, but Transunion is starting to charge my credit card for XXXXmonthly and I didn't sign up for it, as there were no receipt or anything like that. 

There is no contract or receipt or anything like that, so I don't even know what I need to cancel. Next thing I know is that Transunion is start charging my credit card.
Product: Credit reporting or other personal consumer reports

This account is not mine, I did not open this account, this is identity theft. I want it removed from my credit report
Product: Credit reporting or other personal consumer reports

Iquiries 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 Please remove it from my credit report
Product: Credit reporting or other personal consumer reports

Lexisnexis is NONCOMPLIANT AND NOT DEPENDABLE WHEN IT COMES TO PROVIDING ACCURACY WITHIN A CONSUMERS CREDIT DISCLOSURE! Although I have called and authenticated myself several times on the same phone call with several different representatives, lexisnexis is still addressing me as a man. If lexisnexis completed a thorough, accurate and complete investigation then there is no way this company can be claiming to have verified this alleged bankruptcy listed on my credit report???? How are you verifying any personal information for a man when I am a woman?? Why do you keep addressing me as a man when Ive sent you my drivers license, utility bill and social security card?? Please take this complaint as you have been put on notice that I am moving forward with legal proceedings! This company is noncompliant and did not complete an investigation that is fair to me as the consumer. How will you initiate a dispute on my behalf to the XXXX, XXXX and XXXX when you are referring to me as a man?? The three credit bureaus will not be able to dispute this alleged bankruptcy because you have provided them my file as being a man!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

My son was in a XXXX XXXX in XXXX the bill was submitted to insurance but a creditor put it on my consumer report and took me to court. I showed in court with the proof of payment and the judge dismissed the case on XX/XX/XXXX. 

I have submitted proof to the credit bureaus and to the collection company who keeps telling me the attorney never updated anything after court and they won't remove this from my consumer reports. 

I have all the court papers plus the paperwork from the XXXX XXXX XXXX showing where they paid this claim. It should have never been placed on my consumer reports.