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

I have tried multiple times to get Dignifi, my bank XXXX XXXX XXXX XXXX, and XXXX ( Payment processor for my bank ) schedule some time to work together to find the missing payment that has been missing since XXXX. 

XXXX XXXX has not responded to my emails asking for this, she has not responded to my Banks emails asking for this. 

XXXX has confirmed that Dignifi Payment Processor received the payment, and forwarded it correctly to Dignifi. However Dignifi is still not cooperating in terms of locating the payment. Insisting we have not provided information that is needed, insisting that the payment was sent to the wrong address and they don't take electronic payments.

Dignifi own payment processing company opened a case asking for the payment to be investigated over a week ago, Case ID # XXXX request that Dignifi respond and we have not heard back from Dignifi. This case was provided to XXXX XXXX on XXXX.
Product: Mortgage

I got a notice from the mortgage company, TruHome Solutions , LLC on XX/XX/XXXX threatening to force place insurance if I didnt have my insurance company send the mortgage company a copy of my declaration page. I emailed my insurance agent and asked them to send the declaration page to the mortgage company. I checked my insurance account and the mortgage company had not made a payment. I was confused since I escrow so I called the mortgage company phone number on the letter. After calling, they told me that the mortgage company had changed their address and that was why they probably didn't receive the declaration page and that it was my responsibility to get them the deceleration page and tell my insurance company about the address change. They also said I could email them the policy. I immediately downloaded the declaration page and emailed it to the address I was given by the mortgage company customer service. The next day I heard back from my insurance agent and they also sent the declaration page to the mortgage company. Today, XX/XX/XXXX, my insurance agent called me and said that the insurance is past due and that the mortgage company still has not sent payment.
Product: Credit card

Hello CFPB, I am not sure who else to send a complaint to. I have several XXXX accounts at XXXX XXXX. It was through XXXX XXXX. Last XXXX of 2024, XXXX XXXX had XXXX take of the recordkeeping and administration of the XXXX XXXX. Account numbers were changed and had new formats, and investment options changed names of funds. When I first started the XXXX accounts, I also signed up for XXXX, as well as my wife and mother. We all got XXXX XXXX XXXX XXXX with Barclays, which had a great cash back program that would help fund my XXXX XXXXXXXX accounts. After a certain threshold ( {$100.00} ) is reached in cash back, XXXX then transfers those funds to XXXX XXXX. Now, ever since the recordkeeping and administration has been taken over by XXXX, XXXX has not been able to transfer funds over to XXXX, and has been keeping it in our XXXX accounts. Personally, they have {$360.00} holding which should be in my XXXX account. XXXX no longer has a telephone customer service number, and only a web-based portal to submit tickets. I have been going back and forth with them since XXXX of 2024, and I have yet to get any resolution from them. The XXXX website won't accept the new account # format, and I even forwarded the notice from XXXX XXXX regarding XXXX ' new management of the recordkeeping and administration, including the new account number formats. I have called and written a formal XXXX complaint to XXXX, and I also called Barclayscard to explain their rewards servicer is not doing their job. Now I know my wife, mother and I CAN NOT be the ONLY 3 people that can't get their XXXX cash rewards to their XXXX  XXXX accounts. XXXX is probably holding thousands, or tens of thousands or even hundreds of thousands of dollars that should have otherwide been invested and growing in value. Furthermore, any contributions that still could ave taken place in 2024 could have been tax deductible to NJ residents on their NJ State Income Tax returns. Another missed opportunity. Needless to say, depending on the amount of dollars or people affected, this could be grounds for a massive class-action suit. I have many correspondence saved and documents I have sent XXXX. I have two ticket numbers with their customer service as well : # XXXX and # XXXX. Please feel free to reach out to me with any further questions or if you need any documents. I will Attach what I have sent them in your portal. Thank you - XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  is still reporting information that they themselves told me they removed as fraud from my report on XX/XX/XXXX based on the dispute I opened and the FTC affidavit, Police report, and proof of identity I submitted. They state that since collection agencies purchased this information and opened these entries as new accounts - they are showing them. Even though they have retained the information that the Original Creditors and related accounts were deleted due to fraud. I submitted the exact same information to XXXX and they reinvestigated and immediately delete the information ( see attached ) I submitted my original dispute on XX/XX/XXXX and subsequent dispute on XX/XX/XXXX which I am attaching which has my detailed complaint. I also opened a complaint with you and you just closed it because they did a system review. This is wrong, they legal need to show proof that these accounts are mine and neither they nor the collection agency can show that proof - that is why XXXX had to delete the accounts in the first place. Please read my complete complaint attached and also review the documentation from XXXX that they deleted the collection agency 's information from my report. I also just received the same deletion information from XXXX as a result of Credit Dispute # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting and XXXX Account # 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. 

XXXX XXXX XXXX {$7300.00} Account Number : XXXX XXXX XXXX XXXX XXXX  {$10000.00} Account Number : XXXX XXXX XXXX XXXX XXXX {$6000.00} Account number : XXXX XXXX XXXX XXXX XXXX {$4400.00} Account Number:XXXX XXXX XXXX XXXX XXXX {$3500.00} Account Number : XXXX XXXX XXXX XXXX {$1200.00} Account Number : XXXX
Product: Credit card or prepaid card

We hired XXXX XXXX to initiate a new United States Visa application to Travel To The United States and correct the issues involved with the previous Visa. We had an agreement with the merchant that all issues will be resolved and they would assist with the application process until my friend was able to re-enter the United States under the terms of agreement and the given cost agreed. XXXX XXXX has continued to charge my card additional fees and has stopped responding to my emails. I have been charged over {$4000.00} on my credit card for these services and they are asking for additional fees after the associates at XXXX XXXX made mistakes and did not submit the proper forms in the initial application. 

I called Barclays Bank in regards to a dispute and they told me I only have 60 days to dispute. In this specific matter it takes longer than 60 days to know iff the merchant will perform the agreed duties being paid for.
Product: Debt collection

I checked my credit report and saw a fraudulent account named Berlin-wheeler-ks, that was opened on XX/XX/2017. I have disputed the above with all three bureaus. The above mentioned is still being reported as a negative account trying to collect funds in the amount of {$98.00}. This is not my account and under the Fair Credit Reporting Act, this fraudulent account needs to be removed. The company I have hired to handle this issue, has recently informed me that an identity theft affidavit has just been sent off.
Product: Checking or savings account

td XXXX said account is restricted and will be closed due to fraudulent activity which is a lie as all I did was numerous attempts to send myself money through XXXX and failed like 5 times then it went through and they restricted account.i want my account re-opened or my money back as they want me to close account at a branch which I can not due because I'm taking care of a sick relative and I can't leave them alone for periods of time but TD Bank doesn't understand that.they don't care about anything. I want my account reactivated end of story I never did anything wrong despite you guys accusing me when it's you guys that have been fined by cfpb for fraud.td bank employees commit fraud and they accuse me with no evidence and won't open account back up or mail me my check as I can not go to branch because I'm taking care of a sick relative who needs assistance 24/7 and I can not leave them alone.
Product: Credit card or prepaid card

An account was fraudently opened in my name and then the company continously contacted me to pay them via mail with a symbol on the packaging as well as excessive phone calls, both of which are consumer rights violations
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an account with XXXX XXXX XXXX XXXX on XXXX XXXX, about an account being reported on my credit profile from XXXX and XXXX XXXX XXXX, which were opened due to fraud. I submitted an identity theft report, acknowledging the fraudulently information that is currently reporting. I am making this complaint because the credit reporting agencies has violated my rights under the FCRA. XXXX and XXXX stated to me the account was removed and then reinserted back on by the DATA Furnisher. This is a violation because neither agency sent me a letter of the reinsertion of the item on my credit file.
Product: Credit card

I have a Jet Blue XXXX serviced by Barclays for many years. Barclays sent me a new card and created a new account. I never made this request. I never received a statement. Apparently they opened this account without my authorization on XX/XX/2023. I received a letter on XX/XX/2023 stating my account was past due. Apparently, there was a {$99.00} Annual Fee on this unknown mystery card. They also charged me interest and penalties totaling {$210.00} in addition to the {$99.00}. I called immediately to protest on XX/XX/23. They said they would research. I immediately cancelled the card. They sent me a letter dated XX/XX/2023 demanding payment or they would put an unpaid charge off on my credit report. I made another phone call on XX/XX/2023. They denied my claim to reverse the charges. 

I paid the amount in full on this unknown account under threat of damaging my credit. I never knowingly made a charge. I am requesting a full refund from Barclays in the amount of {$310.00}. Their phone # is XXXX.
Product: Money transfer, virtual currency, or money service

We want all moneys that was reported to be refunded
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX in amount of {$1200.00} XXXX has violated my rights and needs to be deleted from my credit report. Law 15 U.S.C. 1681 section 602 A section 2 : it also states a consumer reporting agency can not furnish an account without my consent.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX, XXXX. regarding serious discrepancies in the reporting of my account ( Account Number : XXXX ) to the credit bureaus. This complaint is in accordance with the Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), Truth in Lending Act ( TILA ), Equal Credit Opportunity Act ( ECOA ), Gramm-Leach-Bliley Act ( GLBA ), and other relevant laws. 

**Discrepancies in Violation of FDCPA : ** 1. **15 U.S.Code 1692b ( 1 ) : ** Request for clarification on the charge-off date discrepancy mentioned in XXXX 's response. 
2. **15 U.S.Code 1692e ( 10 ) : ** Discrepancies in the reporting of charge-off date violate the prohibition against false or misleading representations. 

**Dispute Handling and Reporting Violations : ** 3. **15 U.S.Code 1681i ( 7 ) : ** Request for specific details regarding the information provided to credit bureaus during disputes.

4. **15 U.S.Code 1681s-2 ( 7 ) ( A ) ( i ) : ** Violation of the duty to investigate and correct inaccurate information.

5. **15 U.S.Code 1681s-2 ( 7 ) ( E ) : ** Failure to provide a comprehensive response to disputes within a reasonable timeframe. 

**TILA Violations : ** 6. **15 U.S.Code 1635 ( f ) : ** Request for documentation regarding the terms and conditions of the debt in accordance with TILA.

**FCRA Violations : ** 7. **15 U.S.Code 1681e ( a ) : ** Failure to provide accurate information to credit reporting agencies.

8. **15 U.S.Code 1681g : ** Request for a detailed breakdown of the debt, including charges, fees, and interest.

9. **15 U.S.Code 1681i ( a ) ( 1 ) : ** Violation of the duty to conduct a reasonable investigation into disputed information.

10. **15 U.S.Code 1681n ( a ) ( 1 ) ( A ) : ** Willful noncompliance with FCRA reporting obligations. 

**ECOA Violations : ** 11. **15 U.S.Code 1691 : ** Seeking an investigation into any discriminatory practices related to the handling of my account. 

**GLBA Violations : ** 12. **15 U.S. Code 6801 : ** Seeking clarification on the sharing of nonpublic personal information.

**General Violations : ** 13. **28 U.S. Code 3002 ( 1 ) ( B ) : ** Ensuring that the entities involved comply with applicable laws.

14. **31 U.S. Code 3718 : ** Compliance with debt collection laws and regulations.

15. **16 C.F.R. 433.1 ( b ) : ** Compliance with the Cooling-Off Rule.

16. **12 C.F.R. 1026.13 ( d ) ( 1 ) : ** Request for clarity on any potential violations of the Mortgage Servicing Rule.

This formal complaint is a request for a thorough investigation into the mentioned discrepancies and violations. I kindly request your assistance in rectifying these issues and ensuring that the entities involved comply with federal laws and regulations. Per the IRS Publication 4681 any cancellation of debt is considered a certificate of indebtedness and its now income.

Income can not be reported per the IRS publication.
Product: Credit card or prepaid card

I had a card with capital one I had fraud on my account so a returned payment happened. They closed my account and put the balance on credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax confirmation # XXXX is reporting the following fraudulent inquiries. 

XXXX XXXX XXXX dated on XXXX XXXX, 2023 XXXX. XXXX XXXX, dated on XXXX XXXX, 2023 XXXX. XXXX XXXX XXXX, dated on XXXX XXXX, 2023 XXXX. XXXXXXXX XXXX, dated on XXXX XXXX, 2023
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

Hi there, My Savings account at BBVA Compass got charged an EXCESSIVE TRANSACTION FEE of {$6.00} on XX/XX/2019. 

When I opened this saving account, it was stated that " Access your money, with up to 4 withdrawals per statement cycle fee free. '' There is no definition of the length of the statement cycle on that webpage when I signed up. ( See attached a screenshot of the webpage ) In this case, I believe that most of the ordinary customer like myself would assume the statement cycle would be monthly by common sense, since I have never encountered a bank issuing statement that is not on a monthly basis. 

When I reached out to BBVA 's customer service regarding the fees that were charged. They stated that their four free withdrawals are on a per quarter basis, which was quite surprising to know. I then tried to do some research to find out their fee schedule and couldn't find it from their website. However, based on the information I got from the internet, I am not the only one that believes their four free withdrawals are on a monthly basis. See this website for your reference : XXXX XXXX XXXX Their free-withdrawal limit is unclear and misleading. 

I then asked them to confirm that whether the four free withdrawals are on a per quarter basis or a monthly basis. They provided me with a fee schedule that is not easy to find : https : //www.bbvausa.comXXXX I asked them to refund the fees because if I am aware of this unique withdrawal requirement, I would either not opening this account at all or be careful to keep the withdrawals under limits. It is unfair for customers to get charged a fee because of the unclear and somewhat hidden information provided by the bank. 

Please help me get the refund for the {$6.00} Fee. Thanks in advance for your help.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Date : XX/XX/year> DEPT OF EDUCATION/XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX Phone Number ( XXXX ) XXXX Subject : Dispute of Student Loan Account XXXX Due to FERPA Violation Dear DEPT OF EDUCATION/XXXX, I am writing to formally dispute the reporting and validity of my student loan account XXXX listed on my credit report and to request its immediate removal from my credit file, as well as the full forgiveness of the associated debt. I believe this account is being inaccurately maintained and reported due to a violation of my rights under the Family Educational Rights and Privacy Act ( FERPA ), 20 U.S.C. 1232g, which protects the privacy of my educational records, including financial aid and loan information. 
Specifically, I have reason to believe that my personally identifiable information ( PII ), including details related to this student loan, was improperly accessed, disclosed, or mishandled by, the U.S. Department of Education, or a third party such as the Department of Government Efficiency ( DOGE ) without my consent or proper authorization, in violation of FERPA regulations ( 34 CFR Part 99 ). This unauthorized action undermines the integrity of my loan records and constitutes a breach of the privacy protections I am entitled to under federal law.

MY loan data has been compromised, rendering the current reporting of this account on my credit report inaccurate and the loan itself unenforceable. 
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, you are required to investigate and correct inaccurate or unverifiable information reported to credit bureaus within 30 days. Furthermore, given the potential FERPA violation, I assert that this breach invalidates the enforceability of the debt, as my educational and financial records were not safeguarded as required by law. I therefore request the following actions : 1. Immediate deletion of this student loan account from my credit reports with XXXX, XXXX, and TransUnion. 
2. Full forgiveness of the outstanding balance of {$26000.00}, as the mishandling of my data constitutes a material breach of federal privacy standards.

3. Written confirmation of the investigation results and the actions taken to resolve this matter. 
If you determine that the information reported is accurate despite the FERPA violation, I request a detailed written explanation of your findings, including evidence of proper authorization for any data disclosures related to this loan. Please note that I am also submitting a complaint to the U.S. Department of Educations Family Policy Compliance Office to investigate this potential FERPA violation separately.

Thank you for your prompt attention to this serious matter. I expect a response within 30 days as required by law. Please direct all correspondence to me at the address listed above or via email at XXXX. 
Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

bought 2 cameras recieved they were not working, tried to find out persons address thru XXXX  unsuccesful disputed charge with discover credit card company as i used that as payment. discover denied my dispute and closed dispute. i called discover several times spoke with XXXX and XXXX in customer service no help asked to speak to a supervisor they guaranteed a supervisor would call me in 24 hours they never called. i asked that my dispute stay open so i can send the damaged cameras back to seller as atleast XXXX  after several calls gave me address. discover basically told me waste of time as my dispute is closed. discover says you are protected when you use there card no protection and get the run around and tell you basically your out of luck. i am stuck with damaged goods and no recourse to get refunded my XXXX dollars from discover card in XXXX XXXX XXXX utah. this is unfair business practice and fraudulent. i recieved damaged goods and have to pay for them with no recourse from them.