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

I have a master and visa card account with Capital one. I was having some difficulties in 2022. An attorney mistakenly added my accounts to a emergency bankruptcy stay. The bankruptcy would later be dismissed. This mistake led to both my accounts being closed. The accounts weren't closed due to delinquencies. Now one the companies sale pitch is you will never lose your rewards. The company hasn't forwarded my reward balances to me. A XXXX card that was subject to the attorney 's mistake forwarded my rewards balance to me without my request. I'm not sure of my balances at the time as I didn't expect my accounts to be closed. These closures happened around XX/XX/2022. The entity refuses to forward my balances stating some other non communicated rule.
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report I am writing to formally dispute inaccurate information on my credit report that I believe is adversely affecting my financial well-being. I am cognizant of my rights under the Fair Credit Reporting Act and request a comprehensive investigation into these inaccuracies, as mandated by federal law. 

Recently, the Consumer Financial Protection Bureau ( CFPB ) filed a lawsuit against XXXX for its alleged failure to conduct proper investigations in consumer disputes. The CFPBs lawsuit cited instances of sham investigations and other unlawful practices, including : - Conducting inadequate investigations that fail to address consumer disputes effectively. 
- Reinserting previously disputed and inaccurate information without providing an explanation. 
- Failing to notify consumers about the results of investigations in a timely manner. 
These allegations underscore systemic issues that directly undermine consumer protections and contribute to the widespread inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be handled in a manner that is inconsistent with these principles.
Product: Money transfer, virtual currency, or money service

I'm not sure exact date but I have tried many times to get my bank to return the money to me but they haven't responded. I even have a police detective working on the case. Trying to help me with this cryptoscam. I transferred around {$75000.00} worth of my money to this person that scammed me. It's all in attachment.
Product: Debt collection

I mentioned that I had no knowledge of the debt, and ask them to provide proof that this was my debt! I never had XXXX  insurance
Product: Debt collection

Dear XXXX XXXX XXXX ( XXXX/XXXX XXXX XXXX XXXX ) You illegal tactics involving private student loans XX/XX/XXXX-XX/XX/XXXX is being investigated. Today the CFPB and congress has struck down the binding arbitration rules. I will file a criminal complaint against you, you have been going into my credit files and selling my information to debt collectors. You need to re-validate and check the payment history on the student loan. These loans where securitized, and have been written off at some point in time. You have no claim and authority to proceed with collection activity. The original note has been paid.
Product: Credit card

On XXXX XXXX, 2015, I charged XXXX to my Citi Health Card account for vetinary services rendered at XXXX XXXX XXXX. I was to receive 0 % interest if the credit was paid in full ( do n't recall but between 1 1/2 to 2 years ). When I received my XX/XX/XXXX statement, I noticed an interest charge of XXXX. I called CITI to dispute the interest and was advised that XXXX XXXX XXXX entered the transaction wrong. They said that the veterinary center did not enter the promotion code. I immediately called the veterinary center and told them about the problem. 
The veterinary center called me back when they corrected the issue. I continue to receive finance charges despite numerous calls to CITI Health Card to resolve the issue.
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. 

I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX : # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. 

According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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: Checking or savings account

On XX/XX/2021 I made a mobile deposit of a little over {$25000.00}, the app indicated {$400.00} would be available immediately and the remainder would be available XX/XX/2021. I checked to see those funds were in fact released.and they were not, when I called.suddenly the hold was until XX/XX/2021, a day later than I had been told at the time of the initial deposit, with out reason or warning. I was planning to use this money today to buy a vehicle for {$7500.00}, which I can not expect to be held for me, and is deeply below value for.the vehicle. If it should be sold, I'll end up paying over {$11000.00} for a lesser model.
Product: Checking or savings account

I had multiple overdraft fees when I was a customer with wellsfargo. They were very bad at giving me refunds and it just caused me to get deeper and deeper in the hole. Im no longer a customer but would like to get my money back if possible. I banked with them from XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my recent credit report request from Transunion, XXXX, and XXXX  there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & TRANSUNION VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND  ACCOUNTS TO BE REMOVED XXXX XXXX XXXX XXXX   Creditor Information XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT OFF OF MY CREDIT REPORT CREDITOR HAS NO SIGNED AGREEMENT WITH ME XXXX XXXX XXXX XXXX   Creditor Information XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX  ( XXXX ) XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT OFF OF MY CREDIT REPORT CREDITOR HAS NO SIGNED AGREEMENT WITH ME XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX  ( XXXX ) XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT OFF OF MY CREDIT REPORT CREDITOR HAS NO SIGNED AGREEMENT WITH ME XXXX XXXX Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT OFF OF MY CREDIT REPORT CREDITOR HAS NO SIGNED AGREEMENT WITH ME XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX  ( XXXX ) XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT OFF OF MY CREDIT REPORT CREDITOR HAS NO SIGNED AGREEMENT WITH ME NONETHELESS THE CREDIT HAS CHANGED PERTINENT INFORMATION ON THIS ACCOUNT MULTIPLE TIMES AND REPORTING DIFFERENT AND INACCURATE INFORMATION ON WHOEVER THIS ACCOUNT BELONGS TO WHICH IS AGAINST THE FCRA PLEASE REMOVE IT AS IT DOES NOT MEET FCRA STANDARDS AND DOES NOT BELONG TO ME XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT OFF OF MY CREDIT REPORT CREDITOR HAS NO SIGNED AGREEMENT WITH ME NONETHELESS THE CREDIT HAS CHANGED PERTINENT INFORMATION ON THIS ACCOUNT MULTIPLE TIMES AND REPORTING DIFFERENT AND INACCURATE INFORMATION ON WHOEVER THIS ACCOUNT BELONGS TO WHICH IS AGAINST THE FCRA PLEASE REMOVE IT AS IT DOES NOT MEET FCRA STANDARDS AND DOES NOT BELONG TO ME
Product: Credit reporting, credit repair services, or other personal consumer reports

My initial creditor or lender was XXXX  XXXX. 

I had taken the loan from XXXX  to help with a financial hard time I was through. 
After falling behind on the payment, the loan was to National Credit Adjuster for collection. 

From that moment they started harrashing and abusing me with excessive phone calls. 
It was frustrating, and painful, and very XXXX  even to hear the phone ring. 

They HAD ALL THE TIME NECESSARY TO PRESSURE ME TO MAKE PAYMENT BUT AFTER I PAID OF THE LOAN IN BACK IN 2018, THEY NEVER UPDATED THE ACCOUNT ON THE CREDIT REPORT. 
THEY LEFT IT OPEN. 
I CALLED THEIR PHONE NUMBER SO MANY TIMES TO REPORT THE ERROR AND NEVER GOT A RESPONSE ALTHOUGH VOICEMAILS WERE LEFT. 

I ended up submitting a complaint here against and that's when someone finally contacted and again, I explained the problem and even sent screenshots just as they requested. 

They never got back to me after that and no action was taken.
Product: Debt collection

XXXX XXXX is reporting a debt on my credit report for {$980.00} with due date of last report XX/XX/2018, last payment date is XX/XX/2018 and date of last activity is XX/XX/2018. I do not have or ever have knowledge of this debt they are reporting to the credit bureau. they report the creditor as N/A in the credit file. I called and mail the company many dispute letters to no avail. No original creditor is listed on their filling
Product: Debt collection

I pulled my credit reports today, XX/XX/2020 to find I have a collection listed on my reports by Asset Recovery Solutions LLC for account # XXXX. Upon further research I found this was a debt purchased from XXXX XXXX. I was not notified of the attempt to collect a debt prior to it appearing on my credit report. I am willing to offer a settlement of {$120.00} with acknowledgment that acceptance of this offer will settle the account, stop all collection efforts, and will be removed from credit reporting bureaus. FCRA guidelines were not followed on notifying me in timely manner of the debt to allow me time to investigate and dispute if needed. I attempted numerous times to dispute this to no avail. If the settlement is acceptable, payment will be issued immediately. I must receive written notice that this debt will be removed from all credit reports and settled with original debtor if need be. Again, It will be acknowledged the debt to be removed and considered paid in full and can not be sold to another third party. Failure to respond will mean you do not accept this offer.
Product: Money transfer, virtual currency, or money service

zelle say my phone number doesnt work. but i just use in for work on the XX/XX/year>. why it telling that my phone number is not working?
Product: Debt collection

I made a payment arrangement with the original creditor. The NCS contacts my grandmother stating that she needed to pay them. I called them to let them know of the arrangement, but the acted as if it wasnt true. They stated harassing with the phone calls and being rude. I told them Id get my lawyer involved. They stopped calling but the account on our credit.
Product: Debt collection

First Financial XXXX XXXX , XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX is a collection agency purportedly attempting to collect a debt for XXXX XXXX XXXX XXXX, XXXX, address, city, and state unknown. XXXX XXXX purportedly purchased debt from XXXX XXXX, XXXX/XXXX XXXX XXXX XXXX, XXXX XXXX, UT. 

Consumer/patient was covered by a XXXX insurance policy. XXXX XXXX was contracted as a preferred provider of XXXX. Consumer/patient obtained services on or about XX/XX/XXXX from XXXX, who billed XXXX, and received reimbursement pursuant to the contract between them. In accordance with the contract, balance billing is prohibited. In correspondence to XXXX, XXXX indicated the payment and contractual allowance amounts. XXXX further indicated the patient had no responsibility for co-pays, deductibles, etc. XXXX therefore received payment in full from XXXX, in accordance with their contract. 

Notwithstanding payment in full, and instead of adjusting the remaining amount as the agreed upon contractual allowance, XXXX instead claimed the consumer/patient owed {$1500.00} and purportedly sold this debt to a different creditor, who then employed the services of the collection agency. 

On or about XX/XX/XXXX, collection agency sent consumer/patient an " Account Summary '' claiming to be acting as a collection agency on behalf of XXXX XXXX XXXX XXXX XXXX. They provide no other identifying information for XXXX XXXX. No address, no phone number. 

On or about XX/XX/XXXX, consumer/patient sent collection agency a request to provide the name and address of the current creditor, the same for the previous creditor, supporting documentation providing a valid basis for the claim, a copy of the last billing statement sent by the original creditor, proof of state license to perform debt collection within my state, and proof of state license to perform debt collection within the state they're based. 

On or about XX/XX/XXXX, collection agency responded, but failed to disclose address and phone of current creditor, failed to provide copy of last billing statement from original creditor, failed to provide proof of license to perform debt collection within my state, failed to provide proof of license to perform debt collection within the state they're based. Collection agency appeared to provide a copy of a lab order listing various charged and allowance. Collection agency provided a copy of a patient acknowledgement admission summary, with a section titled " financial arrangements ''. 

On or about XX/XX/XXXX, collection agency submitted a false and derogatory credit report to one or more credit reporting agencies. Said report was submitted less than required 30 day waiting period for consumer/patient to dispute debt. 

Consumer/patient asserts XXXX, XXXX XXXX, and First Financial breached the terms as stated in the financial arrangements section. Consumer/patient further asserts that XXXX received payment in full from XXXX, in accordance with the contract between the two parties.
Product: Credit reporting, credit repair services, or other personal consumer reports

Remove six late payments from my credit report for student loan 1 message XXXX XXXX XXXX XXXX XXXX Sat, XX/XX/XXXX at XXXX XXXX  To : XXXX  XXXX To XXXX  To Experian To XXXX  XXXX XXXX. 
D.O.B. XX/XX/XXXX SSN : XXXX XXXX XXXX XXXX, XXXX, Va, XXXX Phone number : XXXX Email : XXXX Student Loan ACC : Info XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX Student loan for XXXX XXXX Acc # : XXXX The purpose of this email is to inform this credit bureau that I contacted XXXX XXXX XXXX XXXX on XX/XX/XXXX to verify that my student loan was on forbearance. I was given information that it was, yet my credit report still reflects six missed payments when viewed. 
This majorly affects my credit rating and causes financial hardship in my attempts to clean and create a better financial future. 
PLEASE investigate this because I know if a loan is in forbearance that no late payments are to be added and reflected on my credit report I demand that my six late payments be removed from my credit report. 

Thank you, XXXX XXXX. 
XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have this amount on my credit score by the cost of {$1300.00} and its for something having to do with XXXX. I have never had XXXX before in my life I dont know how that got in my credit score or how in the world I owe that amount but I know Ive lost my social about 3 maybe 4 times in my life and I know this has to have something to do with me losing my social because how would I have some random amount of that nature in my credit Im actually gon na try to contact you guys to see if you can help me remove this amount because Im not gon na pay for something I had nothing to do with and honestly this random payment has been ruining my youth for a couple of years now Ive been trying to open my first bank account so I could save money to help me get my own spot and I wasnt able to, and when I saved up the money which was about a year ago or so I still was not able to because of my credit score.. I really need help with this because it honestly wrong for this to ruin my life and I wasnt even the person to do it.
Product: Mortgage

Hello, I am writing to file a complaint against First National Bank of Omaha, the current holder of our mortgage. 

My wife and I were continuously traveling the month of XXXX and early XXXX for business and then vacation. We had received a notice in the mail a couple of months earlier that our mortgage payment would be changing, but I did not recall XXXX was the month. 

I was paying my bills on the road and did not have access to that paperwork. Pure regular mortgage payment had been {$3100.00} and change. Per my usual practice, I sent the payment plus a principle payment in the amount of {$3500.00}. That payment was submitted through XXXX XXXX XXXX on XX/XX/XXXX and was received by FNBO on XX/XX/XXXX. 

This was not enough to cover the updated payment amount of {$3500.00}. FNBO placed the balance in a suspense account and held it. 

On XX/XX/XXXX, while traveling in XXXX, I realized my error and promptly sent {$150.00} to cover the shortfall. I had no way to get the payment to FNBO any faster. That payment arrived to them on XXXX, where it was placed in the suspense account and was finally credited 5 days later on XX/XX/XXXX. 

While still traveling, we noted that FNBO had reported us late to credit bureaus. We have worked very hard over the years to keep our credit clean. 

We had an amazing experience with the lending officer we worked with at FNBO, who told me, XXXX, if you GO with FNBO, you'll never be treated like a number. 

I reached out to the Chief Credit Officer, explaining the mistake, and asking for a goodwill adjustment to our credit report. I was met with a response that FNBO was only following the rules, rules they have no choice in, and could only remove the report if there was a bank error. 

After going round and round with him, I contacted the CEO and asked for his help, He also quoted the rule book to me and claimed their hands were tied. This culminated in a letter I received yesterday stating they could not and would not change their positiinl My research indicates that's the letter of the regulation, but not the spirit of it and that as the reporting entity with the power to decide whether the payment was considered late, they had leeway to make a change in reporting. 

Their attitude was completely unhelpful and they didn't seem to care about the legitimate circumstances that caused the error or my effort to fix it as soon as I realized it, I want them to remove the mark from our credit because it's an unfair reflection of what happened. I seek your help in mediating this situation. 

Kind regards, XXXX XXXX
Product: Prepaid card

I received an Amex Pre-paid GiftCard purchased at a local XXXX XXXX I used the card once earlier this year successfully. In addition, the card balance on the amexgiftcard.com website ( XXXX XXXX XXXX ) shows a balance of {$110.00}. I attempted to use this on XXXX and multiple times on XXXX XXXX XXXX, and the transaction was consistently declined. I then tried again with various other amounts less than the full face value and it continues to be declined. I called the number on the card, and they provided no recourse or solution other than " try another vendor. '' Many people have reported having this problem starting this past year.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, Florida XXXX You are in Direct Violation of The Fair Credit Reporting Act ( XXXX  XXXX & XXXX ), has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

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Product: Debt collection

Hunter Warfield , Inc . 
XXXX XXXX XXXX XXXX. 
XXXX, FL XXXX Demand for Removal of Alleged Debt from Consumer Report and Cease Communication Notice Dear Hunter Warfield, I am writing to address a serious issue concerning an entry made by Hunter Warfield on my consumer report for an alleged debt. My name is XXXX XXXX, and not only have I not been previously informed or validated about this debt, but I have also explicitly requested that your company cease all communications with me regarding this matter. 

Despite this clear request to cease communication, I find that my rights under the Fair Debt Collection Practices Act ( FDCPA ) continue to be disregarded by the continued presence of this entry on my consumer report. This action by Hunter Warfield is concerning, especially considering the legal obligations under 15 U.S. Code 6802, 15 USC 1681e, and particularly 15 U.S.C. 1681s-2 ( A ) ( 1 ), which clearly states, " 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. '' I hereby reiterate my demand for the immediate removal of this entry from my consumer report and insist on a cessation of all communications from Hunter Warfield regarding this alleged debt. Failure to comply with these demands will leave me with no choice but to seek legal action for the violation of my rights under the aforementioned statutes and any applicable federal laws. This will include actions for aggravated identity theft and the resultant pain and suffering. 

This letter serves as formal notice of my intent and a reaffirmation of my request for your company to cease all communication with me regarding this matter. If Hunter Warfield fails to confirm the removal of this alleged debt from my consumer report, I will proceed with legal action to address these violations.

I expect your prompt and definitive action in resolving this matter in accordance with federal law and my rights as a consumer.

Thank you for your immediate attention to this critical issue. I await your timely and affirmative response. 

Sincerely, XXXX XXXX