23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, XXXX issued a refund for me, for an item purchased XX/XX/XXXX. The original card used ended in XXXX. The card was replaced with XXXX. XXXX issued the refund to XXXX, rather than the new TDBank card ending in XXXX. I have been calling TDBank daily starting at XXXX EST., checking on the refund. Some TDBank representative would say, yes they see the old card, with NO refund, others said they did not see the card, and the card must have been purged. I KNOW that if a debit/credit card has been replaced, and there is a credit or refund to the old card ; based on " SECURE PROTOCOLS '', ( SOX-Sarbanes-Oxley Act ) banks claim to enforce, in my case TDBank, protect customers, and easily identify debits or credits, from the old card/account. The ripple effect has surpassed {$140.00} per day, in overdraft fees. ( {$35.00} per overdraft ). Current overdraft {$980.00}. I have an audit trail of communications to XXXX, regarding the issue. I call TDBank at least 3 times per day, utilizing their voice recognition through the " XXXX ''. TDBank should have a voice audit trail, as well as the recorded calls quality. I am XXXX, and on a fixed income. The past two days, has had me stuck in XXXX, with severe XXXX. Please help me. Let me know if you need any additional information from me. ( See Attachments )
Product: Debt collection

I requested a validation letter on XX/XX/XXXX from CB1 Collections for a medical debt owing around {$2000.00}. I never received the letter of validation for my debt, therefor not receiving a written validation and proof that this is my debt. I got a call today XX/XX/XXXX saying that I have medical debt to pay. I have requested another validation letter, but they did say that my account did accrue interest of an addition {$100.00} between now and then, despite not being able to provide written/documentation between that time.
Product: Credit reporting or other personal consumer reports

Dear XXXX I am to dispute an item on my credit report under the fax credit reporting act ( FCRA ), The collection account reported by XXXX XXXX XXXX, Collection consulting, with the original creditor XXXX XXXX XXXX XXXX, should be removed due to the following reasons DEBT OWNERSHIP AND REPORTING ACCURACY Under FCRA section 623, information providers are required to report accurate information. 
Since the debd has been sol XXXX XXXX XXXX, doe not have the legal right to report this account.this transfer of ownership means the debt is invalid. 

I do not have any signed agreement or document with XXXX XXXX .I request that this account be deleted from my credit report as soon as possible
Product: Credit card or prepaid card

I have the Citi Double Cash card and used their " citi flex pay '' plan to purchase my new roof. I needed to create two plans both in the amount of {$5400.00} at an interest rate of 5.99 % each with a payment plan of 24 monthly payments in the amount of {$240.00} totaling $ 484/month. I typically only use this card for larger purchases and pay them off right away. I purchased a couch in the amount of approximately {$1500.00} and immediately made a payment for that amount. Unfortunately, the couch purchase had not " posted '' to my account and thus the {$1500.00} payment was taken off of my flex pay plans resulting in them being paid off much more quickly. I requested that Citi reinstate that amount on the plan and apply the payment to the {$1500.00} purchase that had since posted to my account as opposed to having to pay a higher interest rate XXXX 15.99 % ) on that couch purchase. Citi is refusing to do this and has been confusing, misleading, and unclear in their explanation. Essentially, I am being penalized and now face nearly $ XXXXmonth extra in interest because I paid off a purchase too quickly. Their process for flex pay is not clear and they are refusing to be flexible. As such, I am being penalized and they are quite literally stealing money from me because I paid off a larger chunk of my bill. I find this absolutely ridiculous and would like to find a remedy. Again, I have contacted Citi and they refuse to meet my needs or negotiate with me.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX - XXXX - XXXX - {$370.00} XXXX XXXX  - XXXX XXXX XXXX XXXX {$0.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Debt collection

Repeated calls from Portfolio Recovery. Calling at least once per day, excluding weekends, calling from multiple/different numbers.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally address the failure of [ Company Name ( s ) ] to comply with federal requirements regarding my dispute submitted via the Consumer Financial Protection Bureau ( CFPB ). Specifically, the companies failed to provide a resolution within the 30-day period required by law under the Fair Credit Reporting Act ( FCRA ). Additionally, I have not received the title to my vehicle or the requested 1099-C documentation for the charged-off account in question. 

Disputed Account Details Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under 15 USC 1681s-2, creditors must ensure accurate and verifiable reporting of information. The reporting of this account with an inaccurate balance is a direct violation of this law, particularly if a 1099-C form was issued. Per XXXX XXXX XXXX XXXX XXXX, the issuance of a 1099-C form constitutes an identifiable event of debt cancellation under IRS guidelines , specifically Event Code 7, which defines debt discharge due to the creditor ceasing collection activities and canceling the debt. 

My Requests : Provide the 1099-C Form : If issued, I request a copy of the form to confirm the identifiable event of debt cancellation.

Verify the Balance : Submit documentation proving the accuracy and collectibility of the reported balance.

Delete the Account : If the debt has been discharged or can not be verified, remove this negative information from my credit report immediately. 
Issue the Vehicles Title ( XXXX XXXX ) : As the debt has been charged off and effectively canceled, I request the immediate release of the vehicles title. 

Failure to Respond The companies have failed to meet the 30-day investigation period mandated under 15 USC 1681i ( a ) ( 1 ). This failure constitutes non-compliance with federal law. Furthermore, I have not received any communication regarding the resolution of this matter, nor have I received the requested documents or my vehicle title. 
Next Steps If these issues are not addressed immediately, I will escalate this matter further by filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office. 
I expect written confirmation of the resolution of this matter within 15 days. 
Thank you for your immediate attention to this urgent matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

Good Morning, Just want to report that on XXXX, I paid my XXXX XXXX monthly bill via the app. Since it was due on XXXX, the invoice had a {$15.00} late fee. So, I paid the bill in full, {$41.00} and change. The balance became. {$0.00}. 

Then today, XXXX, between midnight and XXXXXXXX XXXX. EST, XXXX, XXXX, or perhaps XXXX hacked my Bank of America account and stole/removed {$41.00} and change and then MANUALLY typed XXXX XXXX. Then they switched my debit card and handset. 

XXXX XXXX can not charge an account {$41.00} on a XXXX  {$0.00}, balance, AFTER they emailed me my receipt. It was not XXXX XXXX. 

Please have {$41.00} RETURNED to my account ASAP! What a crime!
Product: Credit card

The Apple credit card states that you have until XXXX to pay their credit card. However, when you make a payment after bank hours ( XXXX to XXXXXXXX XXXX. ), the payment doesn't post until the next day. Although, if you make the payment by XXXX, the app tells you that a timely payment has been made. Yet, since it doesn't post until the next day, the card charges you interest on your timely payments. 
I called and spoke to multiple people on XX/XX/year> and demanded a refund on the several months of fraudulent interest that has been charged and I was only refunded one month and then charged again on XX/XX/year> because the payment was made on Sunday, XX/XX/year> ( which is the due date ) and again I was told I made a timely payment, but since it was a Sunday, Apple didn't post it until XX/XX/XXXX. 
They will not provide me the information showing the timely payments and I haven't always screenshot my payments. 
They are fraudulent interest payments and I would like to be reimbursed for all of my interest since I got the card.
Product: Credit card or prepaid card

I logged in XX/XX/XXXX to make a payment that was due XX/XX/XXXX, when I selected the make a payment option I received several errors that prevented any payments. I took a screenshot of the messages, i attempted to email the items but Capital One didn't have an option to email or chat. Because I was traveling abroad I didn't have an option to call. I got back into the states Monday and attempted to make a payment again, and again received an error message, I called in and spoke to a technical support representative and they were able to help me get the error message cleared. I also asked can they waive the late because of the error with their website, and the representative was able to have the late fee reversed. My account is in a temporary restricted status for 4 months and should have been lifted after this payment. I asked the rep and she replied that it was still in a restricted status but used the term " permanent ''. This lead me to ask more questions because I had never heard of this status and I blatantly ask the rep if my account is closed, she replied no several times but was very elusive with the verbiage. But after being transferred to a supervisor, closed and permanently are virtually the same thing, closed is just customer initiated. I asked why there wasn't a notification sent telling my account is " permanently '' restricted versus temporary restricted as I'm signed up for virtually all notifications. She had no answer, and basically said it was on me to login if i wasn't receiving notifications. I am confused because waiving the fee was acknowledging that there was faulty on behalf of Capital One because of the website issues but they won't move my account back into the temporary status which was due to the error. I just want my account to be moved to a temporary status with the option to have it fully restored. This isn't the first time calling Capitol One about website payment issues but this is the first time I've put up a fight and Capital One showed their true colors. I attached the error messages from XX/XX/XXXX and from XX/XX/XXXX showing that the payment options never displayed just showed a loading icon then an error message.
Product: Credit reporting or other personal consumer reports

15 USC 1692c : ( a ) Communication with the Consumer : General Rule : A debt collector may not communicate with a consumer in connection with the collection of any debt : At any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. 
If the debt collector knows the consumer is represented by an attorney with respect to the debt and has knowledge of, or can readily ascertain, the attorney 's name and address, unless the attorney fails to respond within a reasonable period of time to a communication from the debt collector or unless the attorney consents to direct communication with the consumer. 
At the consumer 's place of employment if the debt collector knows or has reason to know that the consumer 's employer prohibits the consumer from receiving such communication. 
( b ) Communication with Third Parties : Prohibition : Without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, the consumer 's attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 
( c ) Ceasing Communication : Upon Notification : If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except to : Advise the consumer that the debt collector 's further efforts are being terminated. 
Notify the consumer that the debt collector or creditor may invoke specified remedies that are ordinarily invoked by such debt collector or creditor. 
Practical Implications : Time and Place Restrictions : Debt collectors are prohibited from communicating with consumers at inconvenient times or places, such as late at night or at their place of employment. 
Communication with Represented Consumers : Debt collectors can not communicate directly with consumers who are represented by an attorney regarding the debt, unless the attorney fails to respond within a reasonable period of time or consents to direct communication. 
Communication with Third Parties : Debt collectors are generally restricted from communicating with third parties ( other than the consumer, their attorney, and certain other permitted entities ) about the debt without the consumer 's consent.

Ceasing Communication : Upon receiving a written request from the consumer to cease communication regarding the debt, the debt collector must comply with the request, except to provide certain limited notifications. 
Understanding and complying with the provisions of 15 USC 1692c is essential for debt collectors to adhere to the Fair Debt Collection Practices Act and avoid potential legal liabilities.
Product: Debt collection

I was contacted by a female associate from XXXX XXXX XXXX on XX/XX/XXXX. When I answered my phone she said that this is an attempt to collect a debt. The message was that I would be contacted at my residence or place of work if I did not pay now. The message ended with YOU HAVE BEEN NOTIFIED! I was very upset at that harassment talk, hung my phone up and called them back. They transferred me to a supposed Manager and he yelled at me at one point WHAT DID I NOT UNDERSTAND ABOUT THIS! This was during my conversation that I did not remember in XXXX this negligent account. I at that time asked if I could negotiate a settlement but that was adamantly declined. He asked if I worked full time and wanted to know how much I made and so on, and so on. He told me the amount was 900 and some dollars. I received an e-mail from him on XX/XX/2018 stating that I owed over 9100.00. I am very upset. I have his e-mail if needed by your office or anyone else who can help me. I am willing to negotiate but my card may have been compromised ... ... ..
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, & Equifax continue to report inaccurate information on my consumer file. There are several names and addresses that do not belong to me. This is causing me harm and to be denied credit. My name is XXXX XXXX and my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX there should be no other information listed on my consumer file. 
The consumer agencies are required to report accurate information according to federal law. 

XXXX XXXX XXXX XXXX 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 XXXXXXXX ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( XXXX ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( XXXX ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Money transfer, virtual currency, or money service

I need urgent help with Venmo! They stole {$3300.00} from me! since XX/XX/2023 they refuse to let me add a new bank account for withdrawal. In XXXX I finally was able to add a new account but then they did not let me withdraw my money! they removed my access to the account! my password is not working anymore. they send an email I should reset it! but this is another verification loop which does not work! the just fool me to keep me funds! they require law enforcement intervention. these people are criminals
Product: Credit card

I logged into my credit card account to check my balance and see if my payment had gone through and I noticed a charge on XX/XX/year> for XXXX even. The only information I have is that the charge was made in Georgia. Whoever did this basically maxed out my credit card.
Product: Debt collection

On XX/XX/XXXX, I saw on my credit report that on XX/XX/XXXX a Midwest Recovery Systems put a dergatory report of {$880.00} for XXXX XXXX loan. Never heard of XXXX XXXX. The date opened was unknown and just showed up without any notification received from the debt collector. When I called Midwest Recovery Systems on XX/XX/XXXX and spoke to XXXX he said this came fr XXXX XXXX XXXX that XXXX XXXX   had sent to them. He said it was opened in XX/XX/XXXX and charged off XX/XX/XXXX. He said I used a bank account in XXXX XXXX. I didn't live in XXXX XXXX at that time, nor did I have a bank account in XXXX XXXX at that time, nor did I take out this loan. I have received no mail of this to be able to dispute and ask for proof but he wanted my current mailing address and last four digits of my SSN number. I have had my SSN number stolen from XXXX  security breach as well as my wallet stolen prior to this. I truly don't believe this company is legitimate or the debt is legitimate
Product: Debt collection

XXXX, a subrogation department, has been contacting me for the payment of {$35000.00}. According to XXXX, I owe this money to the insurance company USAA due to a traffic accident, but they haven't been able to provide an explanation of where this amount comes from. They also discussed a possible driver 's license suspension, which I consider a threat. It is worth noting that USAA hasn't personally contacted me regarding this. On the XXXX of XXXX, I sent a letter to XXXX by certified mail asking for these details, but they sent the same initial letter with no answer to what I asked for. This has been causing me a lot of stress.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I have recently pulled my TRANSUNION and XXXX credit report and noticed accounts that have been investigated by another credit bureau are still being reported by XXXX AND TRANSUNION. Attached to this letter is proof that these accounts were deleted due to inaccuracies. Please follow suit and delete these accounts for accurate reporting. XXXX has removed all accounts associated with : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PURSUANT TO THE FAIR CREDIT REPORTING ACT, I EXPECT YOU TO REMOVE THESE ITEMS FROM MY REPORT WITHIN 30 DAYS. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for the updated report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been dealing with this for months they was suppose to remove inquiries that I do not have I ask multiple times to be removed. They say my documents are not readable they have came with many excuses just like there systems down. They could not verify these inquiries when ask or the dates or what information was given. I have ask why is it there when I have a freeze no answer. Now I was force from getting a house because these disputes never resolved and it affected my credit report. This is my worse experience with any company. They have fail to deliver with the worst customer service or care in the world.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding. ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Vehicle loan or lease

I was charged by Exeter {$49000.00} for a {$25000.00} car that I put {$6000.00} down for that I was told the {$6000.00} was not even applied to my loan at all. Exeter told me XXXX XXXXXXXX kept my {$6000.00} for taxes on the car. So Exeter and XXXX XXXX have both charged me taxes on the same car. There has been months 100 % percent of my monthly payment has gone towards the interest and 0 % to the principal. When all is said and done I would have paid {$49000.00} for a {$25000.00} car. Almost 100 % of the amount of the car they are charging for the loan. As of today I paid {$34000.00} in which only {$12000.00} has went towards the principal and {$22000.00} they have put towards the principal. I need help, I need a lawyer, and I need to know what can I do about this. I feel line a crime is being committed and I don't know who to go to for help.
Product: Debt collection

I received an unknown bill from Southwest Credit representing XXXX on XXXX XXXX. The bill was for {$62.00}. I have never paid XXXX less than {$90.00} per month and I do have another XXXX account currently. No invoice was received from XXXX. I am of course happy to pay the bill with proper communication and explanation - I paid it to protect my credit. 

Southewst Credit called my parents before I was contacted. According to the XXXX XXXX XXXX Collection Practices Act this is not allowed.