23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

HDCS Payment Research XXXX XXXX XXXX XXXX XXXX, MO XXXX CC : XXXX XXXX XXXX Payment Processing Center XXXX XXXX XXXX XXXX XXXX OH XXXX ( XXXX ) XXXX To whom it may concern : I inadvertently schedule an online payment via my XXXX XXXX XXXXXXXX online bill pay checking account ending in XXXX on XX/XX/XXXX in the amount of {$1500.00} to Home Depot Credit Services XXXX It was sent to a closed Home Depot closed account : XXXX XXXX XXXX XXXX. I contacted XXXX XXXX  XXXX right after it was sent to see if they could retract the payment to the Home Depot Credit Services account. They told me they could not retract payment at it was already sent. They opened a XXXX XXXX  XXXX Case # XXXX. They contacted Home Depot Credit Services and was unable to apparently receive a resolution. Home Depot Credit Services explained there was not a Home Depot Credit Card Account on file to apply the payment as it had been closed. Home Depot Credit Services also said due to the length of time the account was last used could not find me personally in their system. Home Depost Credit Serivces said once the identified the payment they would return the funds by mail. XXXX XXXX XXXXXXXX gave the Home Depost Credit Services representative a copy of the check and I had to provide my address. They were unwilling to work to credit the funds back to my account. It is now XXXX and still no phone call, letter or any type of resolution from either party. It appears they closed the case and do not care. I have also sent a copy of the check and correspondence received from XXXX XXXX XXXXXXXX showing payment of funds to Home Depot Credit Services and requested the check to be returned. They are just stalling or hoping they will not have to return the funds. This is very unprofessional and a discredit to our financial system.
Product: Credit reporting

I 'm having issues getting results for my disputes i have called the credit bureaus numerous of times and they are refusing to help me every time i contact the credit bureau in regarding my disputes they give me the run around for ex. i called and asked for my results because it has been over 30 days the rep states it came back verified i asked for proof of the verification then the rep tell me that its still under investigation they refuse to provide me with the proof of the so called verification they give me different dates that i have called and disputed
Product: Credit reporting

XXXX is reporting a XXXX mortgage on my credit. That is not mine. They are trying to validate an outdated loan that is NOT mine as a charge off. Equifax continues to report this account on my credit yet they refuse to show any proof or validation. The have Not corresponded with me at all
Product: Credit card

I used an online money transfer service to pay for goods or services. I funded the transfer using my Capital One credit card. After several months I noticed that I was being charged a higher rate along with a separate interest charge each month. So I called the customer services department for clarification. I was told that I was being charged the extra fees for a cash advance. I told the rep that the info was incorrect and that I had never had a cash advance. They transferred me to a supervisor for better assistance. The supervisor told me that when I used the money transfer its considered a cash advance. I told her I never received any cash to me. At this time I was still trying to process the info and research to see if that information was correct. I started looking at my agreement with Capital One, and there explanation of fees. I could n't find anything that states that a online money transfer service is considered a cash advance. What I did find on there website that say 's understanding credit card terms. " A cash advance is not a regular credit card charge. A cash advance allows you to withdraw cash from an ATM, bank or by using checks given to you by the issuer for use when paying with your card is not an option. Be aware that while a cash advance may be useful in an emergency, it is usually expensive. You may be required to pay a transaction fee as well as finance charges. '' After further research online I found several sources such as money.XXXX and source : XXXX XXXX XXXX XXXX. They state the following ; " Fortunately, if you do use a credit card to apply funds to an online money transfer, credit card companies view it as a purchase, not a cash advance, because the money is not going to you. As far as the credit card company is concerned, you are purchasing a service. This is far more economically sound than using a credit card cash advance '' After finding several sources that explained this I quickly called back the supervisor and ask them to remove these charges. She declined with no explanation. I asked her to provide me where I can find on our agreement or on there website that justifies theses charges. She could not provide. I told her of my findings and explained that I purchased a service and that no cash was given to me. The supervisor told me that Capital One could do whatever they wanted and I could n't do anything about. I did n't have the means to fight with Capital One legally. I could n't believe what I was hearing. I 've never seen a company charge customers what ever they want and not have an agreement to back it up.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 4 inquiries on my credit report showing up on all three bureaus that do not belong to me I have tried solving this with the bureaus as well as the furnishers but they will not help me I need to remove these from my credit account since they do not belong to me I have not authorized or know what these inquiries are for. 

XXXX XXXX  - Inquiry date : XX/XX/XXXX XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX XXXX XXXXP - Inquiry date : XX/XX/XXXX XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX
Product: Debt collection

On XXXX/XXXX/2016 i discovered a collection account on my credit report i did not recognize and have never gotten any correspondence about I immediately disputed it with the credit reporting agencies and directly with the collection company. On XX/XX/2016 i received a letter from the collection agency dated XXXX/XXXX/2016 stating they could not verify and they need more time. On XXXX/XXXX/2016 sent a response stating that I am not allowing additional time and that all collection activity me stop. To this day the account is still on my credit file this is a fraudulent entry due to the fact that I never got any communication about the alleged debt from them and now they can not verify it.
Product: Credit reporting

Two requests have been sent requesting a security freeze be placed on my credit file as I am a victim of identity theft and want to prevent any further fraudulent use of my credit information. Both requests were sent USPS Certified, which were signed received on XXXX/XXXX/XXXX & XXXX/XXXX/XXXX. Included in my request a copy of my police report, identity theft affidavit along with sufficient proof of identity. 
According to Texas 's Business and Commerce Code Sec. 20.034. Upon receipt of my request, the security freeze should have been placed within 5 business days and written confirmation sent within 10 business days. I have not received any confirmation that a security freeze has been placed on my consumer credit file.
Product: Credit reporting, credit repair services, 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. 

Account name : XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX  # XXXX, Account name : XXXX XXXXXXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX  # XXXX has XXXX my rights. 

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 instructions 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

remove negative accounts From Transunion. Both medical accounts are fraudulent. In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 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 instructions In accordance with the Fair Credit Reporting Act XXXX, the accounts listed on my attachments has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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.
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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or list of inquiries 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 instructions 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the FCRA, 15 U.S.C. 1681 a 4 my right to privacy I do not want any negative items or collections on my credit report. This is my right.

15 U.S.C. 1681 a 2 states that I did not give any collector written instruction to allow them to report negative items to my credit report.

15 U.S.C. 1692 c ( a ) unlawful communication between collectors and credit bureaus.

Therefore according to the law, delete all collection accounts that are on my credit report.

Delete all late credit card payments Delete all hard inquiries.

If you do not abide by the law you will be sued.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regarding complaint - XXXX Equifax stated they verified all information was accurate. 
My question is how was this information verified. What was Equifax method of verification. 
I need to know if Equifax followed reasonable procedures to verify my information, which is fair to me as a consumer, with proper regard to confidentially, accuracy, relevancy and proper utilization of the credit report Equifax is still reporting late payments Non public personal information is supposed to be excluded from my credit report, this includes transaction between myself and the furnisher. 
This is a violation of code 18 usc 894 I demand Equifax provide a agreement between me and them stating that I gave them permission to furnish any information on my behalf. 

I need proof of all of the above.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

I received the first XXXX XXXX card in my name on a XXXX ready to activate attached to a direct deposit form with my information and a bank account number and routing number from XXXX. I did not apply for, ask for or want these services ... and was applaled to recieve it as I am on the GOVERMENT DO NOT SOLICIT LIST for financial and insurance solicitations. I called them and told them I was registered and asked them to remove me from thier solicitation list. The lady assured me the account was closed. In XXXX, I received another one. Same mastercard with and open account and routing in my name. Anyone could have received this and activated it. Which is why I do not want unsolicited offers. I did not appreciat their ignorange of the " DO NOT SOLICIT '' list nor the disregard for my request not to solicit.
Product: Mortgage

I sold my home and escrow closed on XX/XX/XXXX. I have a left over balance of {$1900.00} that is due to me. By law, mortgage companies have to refund this within 30 days. On XX/XX/XXXX, I called Arvest Central Mortgage Co to check where my check is and was told it was mailed out to my new home address the first week of XX/XX/XXXX. Obviously I did not receive it. Arvest rep. told me that they would issue a new check and I should receive it within 7-10 business days. 
Today ( XX/XX/XXXX ) I called Arvest again to check where my check is because I still have not received it. I was told by the rep. ( XXXX ) that they mailed it on XX/XX/XXXX. I asked for a new check to be mailed with a tracking number. They did not want to issue one until another 5 business days. They said I need to wait another 5 business days so they can cancel the check that they supposedly issued on XX/XX/XXXX, and then issue me a new one. 
This mortgage company is a fraud! They made excuses not to refund me my money that I overpaid them!!!
Product: Credit reporting or other personal consumer reports

under the federal code 15uac / 1681 I'm disputing some late payments that are in my credit report I've circled the late payment that are incorrect in my 3 bureas Also my name is spelled incorrectly on 3 bureau .it should be XXXX XXXX XXXX XXXX Also my address is also incorrect it should only be XXXX XXXX XXXX XXXX XXXX XXXX I am attaching a copy of mt diver license for proof on name and address.
Product: Checking or savings account

I am writing to formally lodge a complaint against Flagstar Bank regarding their refusal to close my accounts, despite my adherence to their prescribed procedures. 

On XX/XX/year>, I sent a written request to close both my checking account and MBD high yield savings account to the following address provided by the bank : XXXX XXXX XXXX, XXXX, NY XXXX, Attn : Bank by Mail. The letter was returned to me, despite ensuring that the address was correct. To confirm this, I paid an additional {$6.00} for a tracking number, as evidenced by the attached receipt. You can verify the tracking details via this link : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have confirmed this address multiple times with a Flagstar Bank representative, who assured me it was the only available address for account closure requests. Despite following these instructions precisely, my request remains unfulfilled. 

The alternative provided by the bank is to visit a branch in person to close the accounts. As I reside in XXXX, FL, and the nearest branch is 235 miles away, this solution is impractical and unreasonable. 

I believe the bank 's refusal to close my accounts and the requirement to visit a distant branch constitutes predatory behavior. This situation is causing undue stress and inconvenience, and I am now at risk of incurring fees for maintaining a low balance. 

I kindly request the Consumer Financial Protection Bureau to investigate this matter and assist in facilitating the closure of my accounts without further inconvenience or financial penalty. 

Thank you for your attention to this serious matter.
Product: Credit reporting or other personal consumer reports

I want to dispute and request the removal of a fraudulent account that is still present on my credit report with your bureau, despite being removed by other credit bureaus. Despite my previous attempts to resolve this matter, the fraudulent account remains on my credit report with your bureau. I have compared reports from multiple bureaus, and it has come to my attention that this fraudulent account is not being reported by others. The discrepancy among the reports raises concerns about the accuracy of my credit information with your bureau. I'd like you to remove the account XXXX XXXX XXXX XXXX
Product: Credit reporting

I requested my complete file pertaining to certain inquiries on my credit report in accordance with FCRA 609 and FCRA 611. This DEMAND of documents letter was sent to Experian by certified mail on XXXX XXXX, 2016 and I received acknowledgement of receipt on XXXX XXXX, 2016. After the 30 time permitted for compliance under FCRA 609 and FCRA 611, I did not receive completeness of records pertaining to the disputed items and they were not deleted after the 30 days permitted by law.
Product: Credit card or prepaid card

I have been a loyal customer of Capital One for over four years. My habit has always been to put down a large payment and use the card to make my online bill payments. Not a wise plan but I had problems with unauthorised transactions on a debit card that I had to close to stop the transactions. On XX/XX/2020 I made a payment of {$550.00}. Normally the money is available the next day. XX/XX/2020 my bank cleared the payment but my Capital One account is on hold until after XX/XX/2020. That money was all I had for groceries and a couple of bills. I was never notified by mail of the company 's policy change. The customer service rep gave no other reason except it was a large payment. Capital One never had a problem before with large payments. I made a payment of {$350.00} on XX/XX/2020 and was available the next day. The same thing with a payment of {$500.00} on XX/XX/2020. That money was all I had and I needed to put it on a card because the stores aren't really accepting cash around here because of c-19.
Product: Checking or savings account

As part of opening two bank accounts with Citi bank, I was promised a cash bonus as part of a promotional offer. I have met all the requirements for the cash bonus. I have contacted Citi bank several times and they keep changing their tune as to when the bonus will pay out. They acknowledge I have met the bonus requirement. They have changed the date of pay-out several times. The payment is months late. Many others report getting the same run-around from this bank.
Product: Credit reporting or other personal consumer reports

My Veros credit auto loan is reporting a closed/charged off account & shows XXXX paid. I haven't missed a payment in 2+ years. Need this corrected since it is damaging my credit
Product: Credit card or prepaid card

End of XX/XX/2023 and early XX/XX/2023 I had many credit inqueries. Just recently I noticed many credit card denial and approval letters get delivered to my physical address. The letters were specific to credit cards and one home equity loan. Of the 6-8 letters I received ( including ones from Walmart credit card, XXXX XXXX XXXXXXXX XXXX XXXX, and XXXX XXXX XXXX ), all were denied but 2 credit cards. I've contacted XXXX XXXX XXXX and they have instructed me to freeze my credit accounts and notify you all regarding the breach in my identity. I have a long list of actions remaining but hoping your awareness will help contain the issue. Please advise on any actions you require of me. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX REPORTED ACCOUNT '' XXXX XXXXXXXX XXXX XXXXXXXX '' WHICH WAS DELETED A YEAR AGO, IT IS NOT AN OPEN ACCOUNT, THATS INCORRECTLY REPORTED. IM NOT RESPONSIBLE FOR DEBT COLLECTION THATS SOLD TO ANOTHER CREDITOR, I NEVER WENT IN DEFAULT WITH " XXXX XXXX '' ( CREDITOR ). I HAVENT BEEN PROVIDED WITH INFO, XXXX REPORTED TO CREDIT BUREAU NOT GOOD ENOUGH FOR INVESTIGATION. SHOW ME IM IN DEBT WITH COMMON FINANCIAL
Product: Credit reporting, credit repair services, or other personal consumer reports

These companies keep reporting innicorate information. They always say I dont send id documents i have attached them to this pdf file.
Product: Consumer Loan

I am a victim of deceptive advertising on a " care credit card '' for dental for my daughter. I read the pamphlet as well as my husband did. We applied for it with my sister as a co-sighner ... I have paid on this credit card for years ( approx. 9 ) years I borrowed approx. XXXX. I paid on this card a min. payment just to find out I had to pay by a CERTAIN TIME!!!. They added XXXX to my balance ... years later my balance is still XXXX dollars. I certainly would not have gotten this loan knowing what I know now.!!!! Please help me I want this loan gone I have paid for the XXXX 3 times over im done ... I feel so cheated. who do I go to. I was going to contact a lawyer not sure. 

XXXX XXXX ..
Product: Credit reporting or other personal consumer reports

I sent a letter last XX/XX/XXXXXXXX  to remove the listed items below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

My financial institution has failed to properly investigate my claims on numerous occasions where I've reported discrepancies with Zelle transactions. I found out about the recent CFPB lawsuit with Zelle which highlighted some of these inadequacies. They had let me know that I was unable to receive a refund on transactions that were made in error and tracking was not a viable option. I have found that Zelle alongside my financial institution, XXXX XXXX, have failed to adequately protect their customers which has fostered ample opportunity to leave consumers vulnerable to exploitation.