23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

i called in to open a checking account with USAA back in late 2015, whne i was told that i already had a account with them. I told the Rep that i have never opened a previous account with them, so she ask me some personal info to verify what she had on file. the info did not match so she changed it to my current info so who ever was using the account could not continue to use it. i later contacted the fraud department about the discovery conducted a investigation. they gave me a call about a week later stating that i a am still responsible for the negative balance on the account since the infomation matches. i told them that i just updated my info with a customer service rep eariler. i have been trying to resolve this for quite some time but USAA is cooperating at all.
Product: Checking or savings account

My accounts from Union Bank were improperly ported to US Bank when they purchased XXXX Bank. This was due to errors committed by US Bank, which they previously admitted to. 

An improper email account was associated with my business account and remains there. Multiple attempts to correct this by myself via the bank website have been unsuccessful.

I attempted to have the issue addressed by chat support via the website. The agent gave me conflicting information about whether they could solve the issue before disconnecting from the chat. Attempts to reach another agent by chat was unsuccessful.

Multiple attempts to have the issue addressed by phone support have been unsuccessful as wait times to speak to an agent appear to be about 25 minutes, according to their automated support system. 

I am unable to properly manage my business account because of the incorrect email address appearing in my account settings.
Product: Credit card or prepaid card

On XXXX XXXX XXXX XXXX XXXX XXXX I purchased flights for 3 passengers on XXXX XXXX  using my Capital One Visa credit card for a total amount of {$1700.00}. The purchase of the tickets was facilitated by Capital One using Capital One Travel. The terms of booking explained at the time that I could cancel the purchase within 24 hours and receive a full refund. The next day, I decided to cancel the purchase and initiated the process through Capital One Travel, but was directed to cancel directly through XXXX. I then accessed the reservation on XXXX ' website and cancelled the reservation within 24 hours. On XX/XX/20XXXX XXXX XXXX XXXX I received an email from XXXX saying that my request was received and a refund for my cancellation of the reservation has been processed to the original form of payment. 

By XX/XX/2023, a refund was still not reflected on my credit card. I contacted Capital One, initiated the dispute process and the {$1700.00} charge was credited to my account ( XXXX XXXX. XXXX ). However, I was informed on XX/XX/2023 by Capital One that, based on information from the merchant, the charge would be reapplied and the case closed. I subsequently had numerous conversations with Capital One representatives and provided documentation supporting my position including copies of the email receipt of purchase, the email from XXXX evidencing cancellation of the reservation within 24 hours, and evidence of the terms of purchase reflecting the ability to cancel within 24 hours of purchase and receive a refund. However, Capital One ultimately determined that the information I provided was insufficient because I did not provide some additional information evidencing the cancellation. 

I have since learned of the confusing relationships of the various parties involved in this purchase. XXXX informed me that it, in fact, cancelled the reservation as I previously described and issued a refund to the original form of payment. However, the original form of payment was apparently a XXXX XXXX that is not mine. It appears that Capital One uses a 3rd party called " XXXX  '' to handle the travel purchased through Capital One Travel and it appears that XXXX  charged my credit card and then purchased the tickets on XXXX using its credit card. XXXX  has since received the refund issued by XXXX, but not passed it on to me. Although it facilitated this purchase and created the structure enabling me to purchase these flights, Capital One is now washing its hands of the problem, refusing to accept the evidence supporting my dispute, and refusing remove the charge of {$1700.00}. 

I am in an unwinnable situation. I am entitled to the {$1700.00} refund under the terms of purchase, but Capital One is refusing the dispute. I am left with paying this charge that I'm not obligated to pay or refusing to pay the charge which will result in the continued accrual of interest and penalties, the possible damage to my credit score and collection proceedings.

I'm looking for any assistance you can provide.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I'm writing in regards to XXXX XXXX, whom you are furnishing inaccurate and incorrect information to the consumer reporting agencies. The account is charge-off/collection account. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. You and your inaccurate reporting have damaged my livelihood & caused me anxiety. I wrote XXXX XXXX via certified mail on XX/XX/XXXX a Debt Validation requesting for a Validation and they IGORNED my Debt Validation Request. On XX/XX/XXXX at XXXX I wrote XXXX XXXX XXXX , Chairman and Chief Executive Officer & XXXX XXXX Executive Vice President and CEO of XXXX XXXX XXXX and I got no response from them. In my letter I stated they had 10 days to remove the unverified item and again I heard nothing. This is the 2nd time XXXX XXXX ignored my requests. In this complaint I attached a copy of the certified mail receipt along with my debt validation request that XXXX XXXX ignored. Along with a copy of the email I send to them that was also ignored. XXXX XXXX has violated my consumer rights, not once but twice! Please stop violating my rights and remove this item from my consumer report. By law the CRA 's, creditors whom ever has 30 days to complete a 30day investigation, & XXXX XXXX failed to do so. The 30 day mark has come and gone over 4months ago! Therefore XXXX XXXX XXXX XXXX, Trans Union LLC XXXX XXXX XXXX XXXX XXXX by law shall remove this item from my consumer report. I'm not repeating myself again! You think I'm playing watch me? I will continue to build my case and Sue all three of yall for damages! There is a laundry list of damages caused upon me from yall reporting this item! CC : Pa attorney General, FTC & the XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im just trying to fix my credit as a tax paying working American. I have rights under 15 USC 1681. They have violated my rights numerous times. I demand the accounts listed on Transunion XXXX and XXXX be removed. I have the right to Privacy and these 3 companies have tarnished my hood standing.
Product: Credit reporting or other personal consumer reports

The following inquiries are showing on my credit report. I contacted the companies and the credit bureaus ( XXXX  & Transunion ) to inform them of these inquiries so they could be removed as I don't recognize them and didn't authorize them. 


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

In accordance with the Fair Credit Reporting Act the following companies have violated my rights. 

XXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States that a consumer has 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.
Product: Money transfer, virtual currency, or money service

A wire was sent from my bank on XXXX before Coinbase 's cut-off processing time. My bank does confirm the funds are sitting with Coinbase. Coinbase is refusing to put the money into my account and claim no money was ever sent. They said to stop contacting them about " missing money ''.
Product: Payday loan, title loan, or personal loan

Im submitting this complaint on the Decline Letter i received, i'm sure the ADVERSE ACTION LETTER will be coming in the mail soon by law, I had to screenshot due to LIGHTSTREAM not allowing any kind of downloading from the email they sent so i apologize for that.

LIGHTSTREAM has stated they obtained my credit score from my XXXX  report and under the fair credit reporting act I'm entitled to know the information provided to them. I have thoroughly read over the FCRA and I did not find anywhere in that subchapter of a denial of credit in the adverse action section. So I'm confused as to how LIGHTSTREAM denied my Personal Loan? What is credit? The term credit means the RIGHT GRANTED by a creditor ( refers only to a PERSON who both regularly extends, whether in connection with LOANS ) to a debtor to defer payment of debt or to incur debt and defer its payment. I have the right to extend myself credit and use my open ended consumer credit plan.

LIGHTSTREAM has run my credit report and my credit card ( social security number ). I have proof from the Inquire I received on my report, making this a consumer credit transaction. A consumer credit transaction is primarily for PERSONAL, family, or household purposes.

I've explained where the credit comes from ( me ). I've explained how there shouldn't be any denials of credit ( extend myself credit ). Ive explained how all of LIghtStreams denial reasons are not found in the FCRA.
Product: Debt collection

On XX/XX/2018, I sent Portfolio Recovery a cease of communication letter, which they signed for and they continue to harass me by sending me mail everyday from their XXXX, CA address. I have tried repeatedly to get Portfolio Recovery to stop sending me mail, to remind them to follow the law and they continue to ignore my requests. See attached documentation as evidence.
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 Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account 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 XXXX 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

To Whom It XXXX Concern XXXX XXXX. XXXX XXXX XXXX, CA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX. Box XXXX XXXX, GA XXXX XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL XXXX To Whom It XXXX Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( XXXX ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XXXX/XXXX/XXXX Have enclosed a copy of two bills PLEASE UPDATE MY CURENT XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX IS NO LONGER MY ADDRESS XXXX XXXX XXXX NORTH, XXXX, FL XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with XXXX U.S.C. XXXX ( a ) ( XXXX ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to XXXX U.S.C. XXXX ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past XXXX months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item XXXX XXXX ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by XXXX U.S.C. XXXX ( a ) ( XXXX ) ( B ) ( iii ). You are bound by XXXX XXXX to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Delay Due to Billing Error : I was not notified of the correct payment amount, as the statement issued by XXXX contained an error. This resulted in a delayed payment, which should not have been reported as late since I resolved the issue promptly after receiving the correct billing information. 
No Late Payment Notification : I was not provided with any notice from XXXX XXXX regarding an impending late payment. Under the Fair Credit Reporting Act ( FCRA ), I should have been notified before any negative information was reported to the credit bureaus, which did not happen in this case.

Evidence Provided : I have attached my payment history and bank statements, showing that I made all payments once the correct billing information was provided. This clearly demonstrates that the late payment was due to a billing discrepancy and not negligence on my part.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 

XXXX XXXX XXXX  Bankruptcy. Reference # : XXXX XXXX XXXX 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. 
15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

The below information was also sent directly to XXXX XXXX on XX/XX/ XX/XX/XXXX. I have yet to receive a response from them. When I called a few weeks ago to check in, the agent said my paperwork was " lost '' but that they found my fax and were working on it. I have been very patient but felt it was now necessary to report this through the CFPB. -- -- -- -- -- On Monday, XX/XX/XX/XX/XXXX, I was informed about an offer to add authorized users to my Platinum card. I was informed by several agents both with Platinum Customer Service and New Accounts that adding authorized users would not result in a hard inquiry for myself or the authorized users. Therefore, I went ahead and added an authorized user to my account. Later in the week of XX/XX/XXXX, I was notified that I had received a hard credit inquiry. After learning about the hard inquiry, I contacted XXXX XXXX on XX/XX/XXXX to understand the situation. Several agents again said they had never heard of hard inquiries resulting from adding authorized users. I am requesting that this hard inquiry be removed from my Experian account. I was directly informed by multiple agents on recorded calls that adding authorized users would not result in a hard credit for either myself or my authorized users.
Product: Mortgage

Hi my name is XXXX XXXX I live XXXX Ma.. 
We own a home with Ocwen mortgage, When we bought our home we were paying about XXXX a month and slowly Ocwen jumped our mortgage to XXXX a month..yes it does include taxes and insurance..it is very high for us..Sometimes our mortgage is late, ,so our credit score is bad..We ca n't get refaince because of our credit score! ... .we ca n't even sale our homke because, we ca n't buy another! ..We probably will lose our home because our mortgae company does n't care..We work hard, ,and make ok money..we have XXXX college payments each month XXXX cars..etc ... .WE NEED HELP! THANK YOU
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting Act XXXX Account # XXXX XXXX XXXX XXXX, 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 crd account under an open end consumer credit plan as late for any purpose.
Product: Payday loan, title loan, personal loan, or advance loan

I had taken out a title loan from title max. I was struggling to pay it. So I kept taking out additional title loans to pay off the previous one. I did this 4 times. 

I have been XXXX since 2008. In XXXX of this year I was cut off of XXXX. I was not given any warning. I only found out when my benefit were not deposited and I call Social Security. In Addition to cutting me off. They say I owe them {$130000.00}. I have XXXX money. 

I tried talking to TitleMax and explain that I lost my XXXX. I asked if they could work with me. They said they will not. 

I will be evicted in a couple of weeks. If I loose my car I will have lost everything. I will not even have a car to sleep in. I dont know what I will doas I am more XXXX the. I have ever been. 

Please help me. I can not loose my car. It will make my life impossible
Product: Debt collection

I had insurance on this card that if I lost my job or had financial difficulties it would make payments. 
First the limit was only {$300.00}. I lost my job due to XXXX and contacted the company. Provided documentation they requested and they were to handle the payments. Now years later they want to come after me and threaten me with legal action if I dont pay over double what the limit was.
Product: Credit card

I have repeatedly attempted to establish, either online or by phone, the statement closing date for a Visa card that's issued by Bank of America, branded XXXX  XXXX. 

- This information does not appear on the website, perhaps because it's a relatively new card - When I call BofA, I get a useless AI assistant that can't understand the question I am posing. 

I am worried I will be assessed a late fee because I pay too late. 

Please advise. 

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

This account is not mines i have tried to resolve this issue with the debt collection company because this is identity thief but they refuse to investigate this account. 

CONVERGENT OUTSOURCI XX/XX/2019 XXXX {$2200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Wells Fargo Dealer Services a dispute letter regarding a incorrect delinquent/late payment. WFDS failed to look into this matter, and did not attempt to correct their incorrect delinquent/late payment information. I reached out to the Wells Fargo Credit Bureau Dispute Resolution Department ( CBDRU ) in regards to this matter, but they failed to make the correction. I expected results and immediately corrections, but they have failed to correct their mistake.
Product: Money transfer, virtual currency, or money service

I deposited USD on XX/XX/22. The withdrawal cleared my bank account on XX/XX/22 - however - still shows as pending on Crypto.com platform as of today XX/XX/22. As such- I am unable to withdraw my funds from your exchange. 

Money is inaccessible and I am without explanation or means of recourse. 

At this point I consider this money stolen as I am being provided no timeframe for resolution or any assurance that I will be able to recoup.
Product: Debt collection

For months NCB MGT Srv INC has called my office phone several times a day, they let me answer, wait a moment, and then hang up on me. I called them back on XX/XX/XXXX and explained that the number they are calling is for a real estate office, not a personal number and to stop calling as it is disruptive to my business. I was then asked my name, they told me I am not who they are looking for and said they would stop calling. My call log only goes back to last Monday, I have included pictures from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. They call from multiple phone numbers XXXX XXXX XXXX XXXX are a few and they are still calling.