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

I initiated a balance transfer upon an offer for a better rate thru XXXX in the amount of {$500.00} on XX/XX/2018. The transfer went to Capital One Installment Loans for the servicing of my Kohl 's charge ( where the payment was to post ). The payment has not posted to my Kohl 's account. I have received researched info from XXXX including a trace number and an address, explaining to me that I would have to pursue the transaction further on my own. I then contacted Capital One and Kohl 's by telephone and was informed that their research department does not accept telephone calls, but was offered a fax and an address. I sent both. Kohl 's response was basically " We were unable to locate your payment, Refer to your most recent statement for the due date and amount. Please consider this the final resolution to your inquiry ''. 

I have not yet received a response from Capital One Installment Loans.. I was able to provide the transaction information from the transfer and the amount was over {$500.00}. It seems that I need some better form of recourse. 

Kind Regards, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone put me down as a co signer on a fraudulent car loan and this company refuses to fix it no matter what I send in. I have sent a police report, documents and a ftc identity theft report yet this fraudulent account is still on my credit report fraudulently blemishing my record and I was n't given a chance to send all the information in within the first 30 days before it was reported to my credit due to all mailings going to an address I am not associated with that went to the fraudster. So I could n't dispute the fraudulent nature of this account. Which in turn causes me to miss other accounts that were fraudulently opened after that such a XXXX car insurance, a light bill, cable and an apartment after that point of first compromise. If this step does not resolve my issues I am taking legal actions regarding this unauthorized account. I should n't have to be thrown between 3 different departments when I call trying to get this removed, lied to and not provided the fraudulent application that was put in. It was not provided within 30 days of my original request for it and still have nothing on my end to try and pin point who may have done this.
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 has violated 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 or other personal consumer reports

I'm distressed about this late payment on my account, as my payment history has been punctual. Please rectify this mistake and remove it.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Subject : Follow-Up Complaint Regarding Verification of Fraudulent Accounts AND FINAL WARNING FOR INMEDIATE REMOVAL ACCOUNT To Whom It May Concern, I am writing to formally follow up on my previous complaint regarding the failure of TRANSUNION to remove fraudulent accounts from my credit report. Despite my submission of a Police Report and an FTC identity theft report ( FTC Report Number : XXXX ), TRANSUNION has claimed that the disputed accounts have been " verified. '' The following fraudulent accounts remain on my credit report, which I have previously identified as resulting from identity theft : XXXX XXXX XXXX  - ACCOUNT NUMBER XXXX Date Opened : XX/XX/XXXX Date Report : XX/XX/XXXX According to the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681a ( 4 ) : Protects my privacy rights by ensuring that my credit information is accurate and not misrepresented.

15 U.S.C. 1681b ( 2 ) : Details permissible purposes for accessing my credit report, indicating that only authorized parties can access my information.

15 U.S.C. 1681i : Requires credit reporting agencies to conduct a reasonable investigation when information is disputed.

Additionally, I am invoking 15 U.S.C. 609 ( a ) ( 1 ) ( a ) and 15 U.S.C. 609 ( a ) ( 2 ) to request the removal and to demand proof of its verification. Section According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

Furthermore, under 15 U.S.C. 1681c-2, credit reporting agencies are mandated to block information identified as resulting from identity theft. The claim of " verification '' does not satisfy these requirements, and it is evident that TRANSUNION has not conducted a thorough investigation, nor have they taken the appropriate actions to remove this fraudulent information.

I also believe that the actions of TRANSUNION may constitute a violation of the Truth in Lending Act ( TILA ), as they have failed to adhere to the obligations concerning accurate reporting and consumer rights.

I request that the CFPB investigate this matter further and take necessary actions to ensure that these accounts are properly deleted from my credit report. I also seek guidance on the steps I can take to protect my rights as a consumer in this situation.

Thank you for your prompt attention to this ongoing issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an issue with XXXX, XXXX, and TransUnion. I have sent multiple letters to which none of them have replied. The only thing they've done is reinsert information that was deleted from my credit report, in which none of them have sent me reinsertion letters and this is a violation of the Fair Credit Reporting Act. After numerous attempts I am filing this complaint because it is beyond me how someone can just ignore you and there is incorrect information being reported on my credit report. Per the Fair Credit Reporting Act all information across all three credit bureaus must be identical, however, neither of these credit reporting agencies are reporting anything the same which is a violation of my rights as a consumer. I ask that all incorrect information be removed from my credit report immediately, or I will have to handle this situation in my best interest.
Product: Money transfer, virtual currency, or money service

I run a used car dealership in XXXX ohio. I use XXXX to process customer sales and payments. The merchant is XXXX backed by FiServ. On XX/XX/XXXX, a customer bought a vehicle using their credit card. The transaction was flagged for risk and was sent to fiserv to review. Documents were requested of me and I provided them. I was then told that they would not approve the transaction so the customer needed to be refunded, I followed the necessary steps and refunded the customer. It took an additional week before the customer got their funds back due to FiServ holding the funds in reserve. I biggest problem is all the funds that we are collecting for sales and car payments since XX/XX/XXXX are still being help by FiServ. Every day I call and speak with XXXX XXXX, I have been in email contact with XXXX XXXX. At first I was told they would be released once the refund went through and the case was closed. Now, that the refund went through over a week ago, I still am calling everyday am told the funds will be release and everyday there is no funds. It is to the point that they have almost {$20000.00} of our money that they are holding. Our accounts are now negative, we are being charged fees and interest, and our business and livelihood is threatened.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$69.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX  was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in months that are reported late to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Checking or savings account

Hi, I think Simple Bank is discriminating based on the customers country of origin. I applied for a checking account on Simple Online Banking website. ( https : //www.simple.com ) I got denied and was provided no reason for the denial. I have a perfect credit score ( 800+ ), a relatively high income, a valid name, address and social security number. I don't see any reason why would a financial institution deny a checking account application for someone like other than the fact that I'm not US citizen.

In the application, they asked if I'm a US citizen, I said no. Then they asked which country I a citizen of, then they asked if I'm a resident alien ( Permanent Resident ) and I said yes. I know for fact that discrimination based on country of origin is illegal and should not be tolerated My partner with similar credit score and salary as me, who is a US citizen applied a few days before me and she got approved immediately. 

I would appreciate it if you could follow up on this so this doesn't happen again to another customer. 

Company 's Name : Simple Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX https : //www.simple.com/
Product: Debt collection

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on BAY AREA REC. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

BAY AREA REC ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX - Balance : {$110.00} BAY AREA REC ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX - Balance : {$110.00} BAY AREA REC ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX - Balance : {$250.00} BAY AREA REC ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX - Balance : {$110.00} BAY AREA REC ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX - Balance : {$110.00} BAY AREA REC ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX - Balance : {$860.00} BAY AREA REC ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX - Balance : {$110.00} BAY AREA REC ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX - Balance : {$110.00} BAY AREA REC ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX - Balance : {$120.00} BAY AREA REC ( Original Creditor : XXXX SERVICES XXXX ) XXXX - Balance : {$300.00} XXXX AREA REC ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX - Balance : {$100.00} BAY AREA REC ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX - Balance : {$110.00} BAY AREA REC ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX - Balance : {$120.00} BAY AREA REC ( Original Creditor : XXXX XXXX XXXX  ) XXXX - Balance : {$120.00}
Product: Debt collection

I have 3 accounts that only show as medical NA and have the amount needed to pay if I owe it, I contact XXXX and they told me that they did not have enough information to dispute the transaction. they advised I needed to go to every facility where I have received medical treatment in the past and see if the amounts they had were the correct amount to get the original lender. I went and none of the amount submitted are the ones thath are needed here. I contacted XXXX again and they are not assisting me. I also have a dispute for progressive they indicate thath I owe an amount for a car thath I did not have. I told them I could submit a bill of sale indicating the car had been sold and they said that is not going to help. I also called and told them that I had sold the vehicle to cancel the policy and they never did.
Product: Payday loan, title loan, or personal loan

Discover Financial Rep responded from Delaware and he indicated he would let me know why I was turned down. He did not, just sent the attached letter -- indicating I call XXXX. They had one error on there and I have just disputed it. It was a mistake and a letter went to XXXX  prior to this to tell them to remove it, they didn't look at the letter. 
I meet the credit scores even with this on, but it will be taken off as well. 
I have attached the letter from XXXX at Discover, no indication as he stated in his response back to CFPB. ( if it lets me attach )
Product: Credit reporting or other personal consumer reports

I don't want this on my credit history because these accounts are negative for me and are not mine. 
XXXX - XXXX XXXX - XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX at XXXX XXXX XXXX Bank of America in XXXX Texas, I was attempting to get {$100.00} from my checking account, but the door of the ATM did not give me any money. The door on the ATM that disburses cash continuously opened and closed, but never gave me the {$100.00}. I tried to contact the number listed on the ATM, but due to the XXXX holiday nobody answered the phone. 
On XX/XX/XXXX I noticed that {$100.00} was deducted from my account for the XX/XX/XXXX attempted transaction, so I drove to the XXXX XXXX XXXX  branch of Bank of America in XXXX. I informed the young man ( I did not get his name ) what transpired with the ATM and the fact that I never received any money. He informed me that the branch is unable to resolve a dispute with the ATM and that I should call the number listed on my receipt. 
About 10 minutes later I contacted the number listed ( XXXX ) on my receipt and waited approximately 15 minutes before an automated voice asked if I wanted to have someone call me back, and I replied yes. Around 30 minutes later I received a call from someone, but I missed the call. They left a message to call back at XXXX. I was unable to get connected at this number. 
At XXXX XXXX on XX/XX/XXXX I received a call from a representative of Bank of America and I explained what happened. She said I need to talk to a different department, so she transferred me. After approximately 10 minutes, the person who answered the phone stated that she was not the correct person to talk to about my situation, but I should talk to the ATM grievance or dispute department. I told her about the problem and how I had been transferred multiple times and nobody was helping me to get to the correct department. She said that she would make sure I would be transferred to the correct group. I waited and waited and waited on the phone, but nobody answered. After about 20 minutes of listening to music and the same voice message stating that they had high volume of calls, the phone went silent, but I was still connected. After 39 minutes of being on hold, I was so frustrated that I decided to hang up the phone and log into my mobile B of A account to see if there was an available online option to log my dispute. 
After going through numerous menus, especially the " Help Menu '' on the Bank of America mobile app, I never could find a place to explain my issue with the ATM and having {$100.00} deducted from my account. I decided to give up after 2 hours of dealing with this issue. 
OnXX/XX/XXXX I checked my account and it appears that the {$100.00} deduction has been rectified, although no one from Bank of America contacted me about this issue, nor did I receive a written explanation. 
At this day and age, with all of the technology that exist, an ATM machine that does n't have cash for a customer should shut down and a menu should pop up stating that the machine is out of order or something to that affect. 
I been a member with B of A for more than 10 years and I am extremely frustrated with this experience with Bank of America and my account will be closed soon.
Product: Credit card

Today, XXXX received a call from your office saying & verifying if I tried to apply for a new credit card w/XXXX. I told the person no. He transferred me over to XXXX XXXX XXXX. 
I must clarify : Why do I need to close my CC with my FHB and XXXX? You need to have employees who can speak good XXXX so I can understand. It was so hard to understand XXXX, I told himhe was talking too fast for me to understand. 
Yes, my Social Security number and driver 's license were given to whom I thought was the FBI. But after realizing I had been speaking to a person hacking accounts, I notified the Credit Bureau and XXXX XXXX. 
Can someone help me? 
Thank you, XXXX XXXX
Product: Debt collection

Case XXXX XXXX XXXX XXXX XXXX XXXX XXXX set aside the Judgment. XXXX XXXX also stated that the statute of limitation 's was up and the debt from Discover could not be collected by any other means. On XXXX XXXX I received a call from XXXX XXXX XXXX XXXX XXXX XXXX XXXX,  XXXX MA XXXX trying to collect the discover debt. I told them about the ruling of XXXX XXXX and faxed a copy of Certificate of Service they said they would review the document. The firm North Carolina phone is XXXX XXXX. They have no legal right to try to collect the debt. I faxed the documents to XXXX XXXX at XXXX XXXX XXXX.
Product: Payday loan

Hello, I filed a complaint against Money Mart for a fraudulent inquiry on my credit report. Money Mart replied stating I came into their organization on XXXX XXXX, 2016. They indicated I applied and did not receive a loan. I am asking the organization to pull their video on that date and to provide a copy of my license in which they should have if I came in to apply. I am also asking company to provide the phone number on my credit report and match against their application because they should have seen a fraud alert on my credit report in which they have the credit inquiry listed on and the phone should have been called and verification implemented. I have never been to this organization, nor did I know of this organization existed until viewing the inquiry on my credit report. I have never been to Money Mart and have no clue where this place is. Again, I am asking for the removal of this fraudulent inquiry as I never applied for anything with this organization
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The account liability on my credit report is absolutely confusing and incorrect. Please produce the contract used to verify this account because I have none with them and the information you have is inaccurate. In addition, your institution has also established that this account is verified how many times already. Please correct this within the time frame required by the law before I am going to speak with an attorney at law regarding the willful non-compliance within your agency in not giving me the information I requested during my past dispute. 

Original creditor : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed two disputes with XXXX. Informed XXXX that accounts do not belong to me, they were originally opened when i was not of legal age and I could not have a phone in my name at that time
Product: Credit reporting or other personal consumer reports

This is my second time I'm disagreement with the account listed below with my credit report still appearing, even after your investigation. I would like item immediately- re-investigated. the inaccuracies are highly to my credit score. 

BANK XXXX XXXX Account number XXXX {$10000.00} in accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, Sections 611, please provide the name and business addresses of each individual with whom you verified above so that I may follow up. Please send an updated copy of my credit report after your re-investigation.