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

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information or items that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me : XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3500.00} XXXX XXXX XXXX XXXX XXXX Balance : {$3500.00} XXXX XXXXXXXX XXXX Balance : {$500.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$32000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$47000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$590.00} CXXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$260.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX : {$3700.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$570.00} XXXX XXXX XXXX XXXX {$870.00} XXXX XXXX XXXX XXXX : {$3500.00} XXXX XXXX XXXX Balance : {$520.00} XXXX XXXX XXXX Balance : {$500.00} XXXX XXXXXXXX XXXX : {$1000.00} XXXX XXXXXXXX XXXXXXXX Balance : {$2500.00} XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX Balance : {$32000.00} XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$44000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX XXXXXXXX Balance : {$590.00} XXXX XXXX XXXX Balance : {$9000.00} XXXX XXXXXXXX Balance : {$2000.00} XXXX XXXX XXXXXXXX Balance : {$2600.00} XXXX XXXXXXXX Balance : {$1900.00} XXXX XXXXXXXX Balance : {$340.00} XXXX XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX XXXXXXXX Balance : {$590.00} XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$920.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$1600.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3700.00} XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$570.00} WXXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX This complaint is my folow-up to ensure the deletions of the listed items
Product: Debt collection

XXXX XXXX  XXXX {$3600.00} XXXX XXXX XXXX XXXX XXXX XXXX {$2700.00} XXXX XXXX XXXX XXXX XXXX {$5000.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Product: Checking or savings account

I am writing to file a complaint against Navy Federal credit union regarding multiple overdraft fees that have accrued. Despite having to sufficient funds when transaction where authorized, I was charged fees due to lugged posted of charges and credit. This issue aligns with the CFPB finding against findings against Navy Federal Credit Union for similar practices transactions settled with insufficient balance despite initially available funds. I believe these practices are unfair request an investigation into my account transaction.
Product: Money transfer, virtual currency, or money service

Zelle did not provide me the proper disclosures before sending funds. I did not know once you sent money you could not dispute the transaction to get your money back.
Product: Credit card or prepaid card

I never got a letter informing me that I must use the card or it would be closed. 
I ask that my account is reopened ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One keeps reporting falsified information to the the major credit bureau and/or bureaus. I continue to asked Capital One ( by certified mail ) to provide me with a copy of any documents bearing my signature. I also requested that Capital One to validate this falsified information.i have disputed with the major credit bureaus and comes back verified. How can something be verified if i didn't know it exist. I am contacting you to see if you can validate this account and if so provide me with any documents bearing my signature that they say had and hard for them to provide me with. It say on my credit report that Capital One provided them with an update XX/XX/2019 stating that i owe {$650.00} and that {$670.00} was charged off. Thank you in advance for your time! 

P.S Please look into this matter and not over this matter.
Product: Checking or savings account

I tried to withdrawal XXXX from my account and the teller told me I needed two pieces of identification. I had my passport and that was always enough information when I had withdrawal money before. I asked the employee to show me where in the rules and regulations it says I need two forms of identification to withdrawal over XXXX from my account. They pointed to a piece of paper taped to the glass. The piece of paper did not say I needed two pieces of ID or anything about XXXX dollars. I asked h where it said I needed two forms of ID and he basically told me to XXXX XXXX I called the bank and they escalated my complaint. It the complaint I said that the fact that the teller has descresion on whether to let people with an ID take money out or not is a discriminatory practice. It allows the teller to discriminate if they want to and have no repercussions. I never said I was being discriminated against. The response from the bank was that they decided I was not being discriminated against and the case was closed. When I called the number on the email it was just the general call center number. I tried to dispute the response and the said the case was closed and they could only open another complaint and that they did not even have access to the original complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a XXXX XXXX XXXX XXXX years ago to build my credit, I never mail a purchase on this card ever, some how my card was used fraudulently in NY for {$490.00}, I contacted XXXX XXXXXXXX and even spoke with a supervisor they refused to do anything about it, they were very rude dealing with my concern, now they put it on my credit report as passed due for 90 days. How can I be responsible for charges I never made. 
XXXX XXXXXXXX is the worst bank to try and build your credit. I tried many times to close this account and they refused. Please request a history of my credit card from them I never used the cards the entire time I acquired it.
Product: Mortgage

I have reached out to Wells Fargo ( debit collector ) on several occasions regarding my Lien Holders name and phone number. Wells Fargo gave me the name of XXXX XXXX, however did not provide a phone number. Wells Fargo stated, they have no phone number. I need this information to obtain the documents from the Lien Holder.
Product: Credit card or prepaid card

I request a XXXX statement. 
XXXX XXXX of XXXX i requested i get my XX/XX/XXXX statement that it has not appeared. 
Additionally i request i get my XXXX statement and future statements be generated the 1st of the month to coincide with my other chase credit card statements and i was told it would be done. 
Now i am told i will get my XXXX statement on the 1st and it will be for two months that i will not get a statement generated on a monthly basis i will get two months activity on one statement.

i request monthly statements especially one for XXXX hopefully the period between XX/XX/XXXX and XX/XX/XXXX. 
To have a combined bi monthly statement or payment missing on credit reporting will reflect no payment information for the month of XXXX and it will reflect negatively on my score. I pay my bills in full every month and am entitled to a monthly statement. 
At no time did i request deferment of payment and i specifically requested a XX/XX/XXXX statement be generated on XX/XX/XXXX and was told it would be when in fact it was not. 
XX/XX/XXXX i was told it would be escalated to upper management and i will get a statement generated by XX/XX/XXXX. 
XX/XX/XXXX Credit card services XXXX XXXX told me he was a supervisor he said i would not get a monthly statement in XXXX and he hung up the phone. I called back and spoke with XXXX a supervisor in XXXX XXXX she told me after reviewing the XX/XX/XXXX and XX/XX/XXXX call that i requested not to get a statement on XX/XX/XXXX ; that i requested statement be generated on XX/XX/XXXX. Now i an told i will not get a XXXX statement and there is nothing that can be done by anyone at Chase. I am told i can view my charges on line and it was suggested i compute the charges myself to XX/XX/XXXX and make payment if i want to have my monthly payment made. 
This absolute is not what i requested. 
I request a XXXX statement be generated with any date in XXXX..
Product: Debt collection

this company is taking money out of my account. I don't have an account with them and they wont assist me with locating the account that is taking my money and they wont stop the payments, the dates and payment amounts are as follows : XX/XX/2019- {$49.00} XX/XX/2019- {$100.00} XX/XX/2019- {$100.00} XX/XX/2019- {$100.00} XX/XX/2019- {$71.00} XX/XX/2019- {$71.00} XX/XX/2019- {$71.00}
Product: Debt collection

The new company is called Diversivied Consultants calling on behalf of XXXX XXXX. I keep telling them that i didn't have XXXX and that they have the wrong person. They keep calling day and night. The balance is over 1400.00 and i pay my bills every month if this was my bill it would have been paid.
Product: Debt collection

Online Collections XXXX, XXXX, XXXX XXXX, telephone number ( XXXX ) XXXX are attempting to collect debt of {$16.00} from their client XXXX XXXX XXXX when I am paying my bills to XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, telephone number XXXX. 
Also all my XXXX XXXX XXXX XXXX are under XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, CN XXXX, XXXX, XXXX XXXX, telephone number XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I file a bankruptcy inXXXX that was later discharge in XX/XX/2019 which should not be reported on my credit file without my my permission. And it is very illegal to do so.I also call the courts to try and found out why its being reported and I was told that the courts doesnt provide any information to any of the three bureaus Ive contacting to credits XXXX XXXX XXXX and equifax by phone email and mail letters and it wasnt removed from my credit file there are also many inquires that I have any recollection of and I believe to be fraudulent and incorrect and I recently found out someone have been using my information to collect unemployment when Im disable
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an account that appears on my credit report. The account in question is from RADIUS GLOBAL SOLUTIONS with the original creditor being XXXX. 

Here are the details of the account : Account Number : XXXX Date Opened : XX/XX/year> Original Balance : {$380.00} Current Balance : {$380.00} Status : Collection account, {$380.00} past due as of XX/XX/year> Balance Updated On : XX/XX/year> Status Updated On : XX/XX/year> I believe this account is inaccurate for the following reasons : Discrepancy in Balance Details : Despite my repeated attempts to resolve this matter with XXXX directly, the account remains unresolved. The balance does not accurately reflect the payments and adjustments made. 
Questionable Collection Practices : The account was transferred to RADIUS GLOBAL SOLUTIONS without proper notification or validation of the debt, which is a violation of the Fair Debt Collection Practices Act ( FDCPA ). 
Lack of Proof of Original Debt : RADIUS GLOBAL SOLUTIONS is not the original creditor and has failed to provide proof of my wet signature on any contract or agreement that substantiates this debt. 
Credit Report Impact : The account 's status as a collection account has had a significant negative impact on my credit score, affecting my ability to secure financing and other credit-related opportunities. 
Given these circumstances, I am requesting the CFPB to investigate this matter and assist in having this account removed from my credit report. I have attached copies of relevant documents, including my correspondence with XXXX and RADIUS GLOBAL SOLUTIONS, and my credit report showing the disputed account. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution.
Product: Checking or savings account

Someone hacked my checking and savings accounts at Bank of America for totals over $ XXXX. They approved the wire transfers via " text messages '' to two unknown characters and withdrew from my checking and saving accounts. I DID NOT initiate nor did I approve the wire transfers. Bank of America says I approved by texts. 

I checked with XXXX XXXX, my carrier, and THEY SAID I DID NOT SEND any texts aXXXX XXXX XXXX. nor XXXXXXXX XXXX. to Bank of America. 

Bank of America allowed the money to transfer out of my account via two hacked text messages. I did not approve these wire transfers.
Product: Credit card

I am disputing the collection account with PARAMOUNT account number XXXX XX/XX/year>, with a balance of {$8800.00}. This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that PARAMOUNT, provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.
Product: Credit card

On XXXX my account was charged by someone for XXXX. On XXXX someone tried to make a payment of XXXX. On XX/XX/XXXX it was returned. On XX/XX/XXXX I got an email from Capital One saying my auto payment was removed which prompted me to call them immediately in which I then learned of this activity. They started an investigation ONLY into the payment of XXXX that I repeatedly told them I knew nothing about nor did I have access to this account. They promised to investigate within 7-10 business days and someone from the investigations team would call me. To date, XXXX I haven't heard from anyone specialist or investigator. I call back periodically for updates and everyone keeps asking me to verify the payment on the account. I repeat over and over I did not make such payment, I have been with Capital One for years and have never had fraud on my account until now. Someone is using my information and calling them to get what they want out of them. I asked to put a password on my account and they refused. A rep recently told me that the specialist concluded the investigation and found that I called in from my cell phone on XXXX which is impossible when I only learned of this on XX/XX/XXXX. I keep telling them someone is using my information and its gone on deaf ears. They have yet to investigate the charge made on my account nor the fake payment. I have attached my downloaded call log highlighting when I first called capital one. I also attached the charge and payment made to my account.
Product: Money transfer, virtual currency, or money service

I received my first email on XX/XX/year> about my venmo account being closed, which stated the funds weren't available for up to 180 days. I received a second email on XX/XX/year> stating my funds were available to withdraw. I tried withdrawing my money, but the internal security system wasn't allowing me to add a bank account. I tried contacting support for help and support didn't want to help and said my funds may be available after 180 days even though venmo has already granted me permission to withdraw my funds and It is also well after the 180 day timeframe from when my account was restricted. I want to know what is going on, why is it so hard to withdraw the funds that I was already allowed to withdraw?
Product: Debt collection

I have attempted multiple times through the month of XX/XX/2022 to pay a debt owed by contacting both the creditor and their 3rd party collector, XXXXXXXX XXXX to arrange payment. I had set up an agreement with XXXXXXXX XXXX XXXX  a year ago to consolidate debt, and after consulting an attorney I dissolved that agreement and cancelled any and all power of attorney on my behalf. I have alerted XXXX of this on multiple occasions and attempted to pay the debt. XXXX refuses to speak to me. I have audio recordings of these conversations verifying I am no longer represented by an attorney, and that I am calling to pay a debt. They consistently insist they have to receive verification directly from XXXX XXXX XXXX that they no longer represent me. I have told them they can not legally speak on my behalf, and this is my account. They still refuse to speak to me. I can not discharge the debt, and its still reported to my credit by both XXXX XXXX XXXX and the creditor, with literally no recourse to pay or have it removed. This is an unfair reporting practice.
Product: Money transfer, virtual currency, or money service

XX/XX/year>2025 while sitting down eating dinner my debit card declined. I immediately logged into my bank to figure out why my card declined what I discovered was that on XX/XX/XXXX through the XXXX my cash app was hacked. Someone requested money from my bank account to my cash app and took all my money out of my account and overdrafted my bank for over {$800.00}. I immediately called my bank shut down my debit card and call Cash app. I filed a dispute with both companies. Cash app closed down my account and denied my dispute saying that I must have authorized someone to steal all my money. Unfortunately, my bank told me that its up to Cash app to refund me. There are three fake accounts as well as about 35 different XXXX subscriptions that came out of my account in a 48 hour window. Cash app decided to close my account and are refusing to refund my money.
Product: Debt collection

In XX/XX/2014 I was admitted to the hospital with XXXX XXXX caused by XXXX XXXX in the apartment I was living in. After being released from the hospital I continued to have issues and was sent to see a XXXX XXXX. He determined that the continues exposure to the mold was causing damage to my XXXX and advised me to move out of the apartment as soon as possible.He also sent the apartment a letter stating that my remaining in the apartment was detrimental to my health. Since my lease was almost up I went ahead and paid my lease up in full. However the XXXX XXXX XXXX XXXX XXXX told me that I didn't give them 60 Days notice I was moving out I would have to pay them for not providing them with 60 days notice despite the letter from the doctor. They turned this over to IQ Data International for collection. I tried to work with the apartment complex and their lawyer. They refused to work with me. Since that time every year since then the amount has gone up. It is now over {$4000.00}. I have permanent damage and can no longer work. I don't feel that what they did was fair or right.
Product: Credit reporting or other personal consumer reports

I am reaching out to inform you of an ongoing issue with Transunion, which remains unresolved despite my previous complaint filed with the CFPB, bearing the ID : XXXX As stated in the original complaint, I have been contending with inaccurate reporting and predatory lending behavior by XXXX. I had reported discrepancies to all three major credit bureaus, with XXXX and XXXX having since resolved the matter. Unfortunately, Transunion has failed to remove the inaccurate information from my credit profile within the statutory 30-day resolution period, contravening the norms set by the Fair Credit Reporting Act ( FCRA ). 

The delayed response and lack of corrective action from Transunion have further exacerbated my financial difficulties, impeding my ability to secure crucial financing for XXXX bills and a much-needed XXXX. This continued misrepresentation of my credit profile is causing significant undue stress and hardship. 

In this new complaint, I implore the Consumer Financial Protection Bureau to intercede and expedite the resolution process with Transunion. I am hopeful for an immediate and positive response from Transunion to remove the XXXX accounts from my credit report, with ramifications reflective of the resolved statuses by XXXX and XXXX. My Transunion report is the only report that does not align with all of the other credit bureaus. 

To recapitulate the core grievances from my original complaint : XXXX violations of the original loan agreement and engagement in predatory lending practices have resulted in incorrect and damaging information being reported to the credit bureaus and collections even though the loan had reached its 15 years maturity and payments made have already amounted to over 500 % of the original debt. Additionally, the loan servicer XXXX mishandled communication of payments due and did not resolve inquiries in a timely manner to prevent late payments. 
Transunion has failed to undertake adequate corrective measures despite provided evidence and has not resolved the dispute within the mandated 30-day period. 
I am seeking the following remedies : Immediate removal of XXXX accounts from my Transunion credit report. 
Confirmation from Transunion acknowledging the resolution of the aforementioned inaccuracies. 
Any additional relief that the CFPB deems appropriate to compensate for the inconvenience and distress caused by Transunion 's inaction. 
I appreciate your continuous support and intervention in ensuring a fair and timely resolution to this matter. As mentioned, previous complaints can be referenced at the ID XXXX. 

Thank you very much for your attention and assistance in this matter.
Product: Credit card

Citibank changed the APR on my card without warning or reason to 22.74 % from 3.5 %. 
I sent a message requesting an explanation and got no response. 
My APR was low because I was an employee, and for several years was not paid full wages. After the class action suit and final payment, I understand I 'm not entitled to this APR, however the rate changed immediately after I complained about a late fee. ( Was unable to pay on time because of the web site ) I feel the APR change was retaliatory and not based on my credit rating. No late or missed payments - I believe the person who got my message abused their privileges. Even if this is untrue, there was no notification or notice sent in any way.