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

On XXXX, I was supposed to have my paycheck direct deposited to my Navy FCU account ( checking ). My online account snapshot stated I had {$0.00} in Checking and {$0.00} in Savings. No other accounts were mentioned. On XX/XX/XXXX, I logged in to my account and it showed my direct deposit scheduled to hit the account. I called Navy Federal 2 ( twice ) times to ensure my funds would be available at midnight on XX/XX/XXXX. Both Representatives I spoke with, stated, " they would be available from XXXX on XX/XX/XXXX ''. When I logged on to my Navy Federal Checking Account at approximately XXXX on XX/XX/XXXX, my account showed I had a balance of {$0.00}. Upon further investigation, my account stated that my ENTIRE direct deposit was transferred to a credit card. I called Navy Federal and they stated I had an unpaid credit card debt and the ENTIRE amount was used for " collection purposes ''. None of this information was given to me and I feel was mislead. I am a single Mom who had bills scheduled to be paid from my Navy Federal Account which is causing hardship on my life and that of my child. I have not had any garnishments from my pay or any Court papers stating that I owed money. I feel like I was fraudulently mislead and lied to by my Credit Union who took my entire paycheck from me from debt I have not been given information about and that was n't apparent on my online account. I have screenshots if needed!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/2022 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. Accounts XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$0.00}.
Product: Debt collection

I pulled my credit from XXXX and noticed they were on my credit report. I have never done business with this company and they never sent a right to dispute. I sent them a certified l letter and and and they never responded. 

Please see the attached documents Thank you, XXXX XXXX
Product: Prepaid card

I have been lied to several times about why my acct has a {$0.00} balance again, they gave the fees back to me, ( {$88.00} ) then took it back away from me 3 days later, when i called several times to ask why, they tell me that XXXX took it back out of my acct, i called XXXX more than once & they tell me they cant & dont do that,,, i want to know who is lying to me??? is this legal to treat elderly this way????
Product: Checking or savings account

I am writing to formally file a complaint regarding ongoing direct deposit delays with Capital One, which have persisted for the past three days. As a customer who relies on timely deposits for essential expenses, I find these disruptions both unacceptable and financially distressing. 

I, along with many other Capital One customers, have not received our expected direct deposits on time, despite our employers confirming that the payments were sent as scheduled. Capital One has provided vague or inconsistent responses, leaving customers without clear resolutions or estimated timelines for deposit processing. This delay has caused undue hardship, including late payments for bills and essential expenses. 

Capital Ones failure to process direct deposits efficiently and communicate transparently about the issue is a breach of consumer trust and financial reliability. I urge the CFPB to investigate this matter promptly and ensure that Capital One takes corrective action to prevent future occurrences.

I request that the CFPB : Investigate Capital Ones handling of direct deposit processing and identify the cause of these delays. 
Require Capital One to provide affected customers with clear, accurate, and timely updates. 
Ensure that Capital One compensates customers who suffered financial consequences due to these delays. 

I appreciate your attention to this matter and look forward to your response. Please let me know if any additional information is needed to assist with your investigation.
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. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax, XXXX, and XXXX complies with federal law and provides consumers with the necessary proof of investigation. 


I want reported accounts to be removed. From XXXX, equifax, and XXXX. 
-XXXX XXXX XXXX XXXX - {$220.00} -XXXX XXXX XXXX XXXXXX/XX/XXXX {$350.00} XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX {$240.00} -XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$700.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$560.00} XXXX XXXX XX/XX/XXXX {$17000.00} XXXX XX/XX/XXXX {$250.00} XXXX XX/XX/XXXX {$10000.00} XXXX XX/XX/XXXX {$530.00} -XXXX XXXXXX/XX/XXXX {$270.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1300.00} ; If the credit bureaus feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Bank account or service

I am a single, XXXX mother of an XXXX, XXXX child. My XXXX XXXX was being repaired, needed a new seal put in. 

Meanwhile, XXXX XXXX, XXXX had come to stay with us because he had XXXX and asked if I could help take care of him until he was better. He ended up being hospitalized for almost a week, but came back here until he could regain his strength. His cousin would come and pick him up most every day to go to the store for us. I gave XXXX my debit card to get groceries and such from the XXXX, grocery store, and convenience store when he 'd go. I NEVER gave him permission to get money from the ATM. That was my only way of getting our necessities at the time. XXXX had gotten better and left my home on XXXX XXXX. 

I began receiving Overdraft notices from the bank, but knew that I had not even paid all my bills for the month. I checked my mobile banking and found that {$75.00} had been taken from the ATM on XXXX XXXX, which sent my account into overdraft for XXXX. I ended up being charged {$72.00} overdraft fees due to XXXX transactions that I 'd made without knowledge of his withdrawal. I usually get paid on the XXXX each month, but it fell on Sunday, so I got paid on Friday, XXXX XXXX. 

I went to the sheriff 's dept. and did a police report, which I took to XXXX XXXX. I signed an affidavit stating that the money was stolen from my account. The outcome is that my claim was denied due to " Negligence to safeguard my debit card. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/22 to update this suspicious information. I think they have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, and XXXX, and I'm including it again. 

XXXX XXXX XXXX Balance {$47000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$9400.00} XXXX XXXX XXXX Balance {$400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint that the credit bureaus are reporting inaccurate credit information. I am very upset that you have included the below information in my credit profile due to its damaging effects on my credit standing. I have disputed with the credit bureaus about account XXXX # XXXX XXXX  all 3 credit bureaus have different date of last payment, date of delinquency, payment history and one has no information this are all inaccurate reporting which is means for DELETION The FCRA requires consumer reporting agencies to maintain accurate and complete files. According the FCRA, you have a right to review your credit reports and have inaccurate, incorrect and corrected and DELETED The credit reporting agencies ( CRAs ) are responsible for investigating, correcting, and deleting incorrect information contained in your credit reports. The credit reporting agencies must report only accurate information. Inaccurate information must be corrected or deleted. The have been given several opportunities to fix the matter but they come back as accurate I would like for this information to be DELETED Please see attached pictures that indicated the inaccurate reporting They have also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer agency reporting agency can not furnish a account without my written instructions. They have also violated my rights under 15 U.S.C 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they received my disputes They have also violated my rights under 15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( l ) ( ii ) The law clearly states if items are found to be inaccurate or can not verified the consumer reporting shall promptly delete the information from the file of the consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following Acccounts have been violated. 
XXXX XXXX # XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. States i have a right to privacy.

15 U.S.C 1681 section 604 A Section2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

ATG CREDIT {$1700.00} XX/XX/2021 XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, Texas XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer lam demanding the deletion of the accounts listed IMMEDIATELY!
Product: Money transfer, virtual currency, or money service

Hello, On XX/XX/XXXX I mistakenly sent a XXXX payment of {$1000.00} to the wrong recipient XXXX XXXX XXXX ) XXXX. I immediately contacted her and let her know that I mistakenly send her the funds and if she could please return them. She said she opened a case with TD Bank Case # XXXX. I also opened a case with my bank XXXX Bank XXXX number : XXXX. XXXX says the funds are not in her account, and TD Bank is in possession of the funds. XXXX claims they have been unsuccessful in retrieving the funds. I called TD Bank to sort out the recovery of the funds, but they are unwilling to assist. The recovery ID on TD Bank is XXXX XXXX Any intervention will be greatly appreciated. Thank you
Product: Credit reporting or other personal consumer reports

I am writing to dispute the continued presence of inaccurate addresses on my credit report. Despite prior disputes, the following incorrect addresses remain listed : These addresses do not belong to me and are irrelevant to my credit history. I have previously submitted documentation confirming my correct address, but these errors persist, violating the Fair Credit Reporting Act ( FCRA ). Their continued presence could negatively impact my credit report. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX & XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX
Product: Debt collection

I dont know who this company is i have never done business with them, and its false information that needs to be removed right away.
Product: Money transfer, virtual currency, or money service

I received a Visa debit card in the mail on XX/XX/2021. 
Somehow, its connected to " U.S. Bank Reliacard. '' I did not request this card. I have no idea why I received it. 
I am and have been retired for several years. 

I attempted to call U.S. Bank at the complaint number listed on the back of the card,XXXX. Also XXXX. However I had to enter my Social Security number in both cases, so I hung up. 

I went to a U.S Bank branch Office on XX/XX/2021, in XXXX XXXX, Illinois. I spoke to an Officer about the card She checked on line but was not able to find any information to access. She could not find what entity issued the card. 

She advised me to contact your office since you are listed in the letter that accompanied the card. 

The Card was not activated by me. The Bank Officer advised me to destroy the Card. I cut the Card in half. 

Earlier this year, someone filed a claim with the Illinois Unemployment Department for benefits. and the letter indicated that benefits were rejected. I filed a complaint with the Federal Trade Commission. No further action was taken. 

I don't think its covid 19 stimulus check related, since my wife and I received those checks through the mail. 

I enclose a copy of the letter received with the card attached.
Product: Bank account or service

I 'd opened a bank account for my business with Wells Fargo couple weeks ago. To do so i 'd provided all the required documents needed in order to open a Bank account. The Wells Fargo agent who opened it has failed to scan the documents into the system. As a result i kept on receiving mails from Wells Fargo threatening to close my account. I 've made phone calls to explain the fact that everything was already provided ; i went to XXXX Wells Fargo branches couple times to explain the issue. At the end, my account has been closed for failure to provide documentations.
Product: Debt collection

On XX/XX/XXXX I contacted Portfolio Recovery Associates LLC to resolve ( 2 ) accounts showing in collections. The first account was paid in full of {$620.00} for XXXX as no settlement could be reached. The second account was with XXXX XXXX acct # : XXXX original debt owed was {$1100.00} requested for settlement of debt and was advised if I paid {$840.00} that would resolve the debt. I sent in payments via check as debt could not be paid over the phone with XXXX XXXX. I was told once payments were received it would take 30-90 days to come off credit report and I would receive a letter from the creditor ( Portfolio Recovery ) that both accounts were satisfied. As of XX/XX/XXXX I have not received any letters from company. I received a call from them on Thursday XXXX attempting to collect on the difference {$330.00}, I contacted vendor today who advised me that I did not satisfy the debt and this was new debt even though I verified the same account number listed above. He told me I did not have to pay the remaining debt however it will show on my credit report till XX/XX/XXXX. I'm confused as to if I was offered a settlement of the debt why my credit report is still showing an unpaid part in collections. Why offer a settlement if it doesn't satisfy the debt. I feel I was mispresented on XX/XX/XXXX and XX/XX/XXXX by this company.
Product: Debt collection

I called lawyer office on XXXX/XXXX/16 ( wed. ) which was recorded and told them I would be mailing a notice of the debt being beyond the Statues of Limitations in MI. The phone call was recorded and I told them not to contact me and she said she 'll put a cease and desist order effective that day. 4 days later I was served with another summons to appear in court on XXXX/XXXX/16. When I tryed to get the recoded conversation on XXXX/XXXX/16 it was told to wait until I talked to a supervisor. She returned and said she cant give me that information which violates the cease and desist order I placed per telephone if I can recover the phone conversation
Product: Mortgage

I refinanced in XXXX with Truhome solutions and they prepaid my property taxes ( received by XXXX XXXX XX/XX/XXXX ) Truhome sent an additional payment on XX/XX/XXXX to the county. I called the day after they sent this payment and again on XX/XX/XXXX and asked for payment information and they were unable to provide. 

Today I have still not seen the refunded taxes and my escrow has a large shortage. I was hoping to get this resolved before they recalculate my escrow payment information XXXX but they are not assisting me at all.
Product: Credit reporting or other personal consumer reports

Experian 's report contains several inaccuracies, including incorrect and irrelevant addresses as well as misspelled names. Moreover, they have failed to include my current address. Despite my attempts to provide them with updated information, their staff has been unfriendly and unhelpful. They have insisted that the listed names are accurate and relevant to my report. However, I am concerned about my identity being compromised and would like these errors to be corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017, I made a complaint that the credit agency continues to allow an creditor to incorrectly and inaccurately report late payments on my credit report. The credit agency sent me a copy of my credit report which verified the correction however after purchasing a new vehicle I was offered a higher interest rate due to late reporting with this same creditor and credit agency. I contacted the creditor which advised they sent corrections over and no recent late credit payments. 

As I stated back in XX/XX/2017. My payments are due on the XXXX of every month. Based on the Fair Reporting a creditor can not report a 30 day late for not paying a late fee. 

It has been discovered that the credit agencies are allowing incorrect and inaccurate credit reporting by XXXX XXXX. My credit reported shows numerous 30 day late 's. This is the same issue back in XX/XX/17 which at that time showing 31-60 days late on my credit report in XX/XX/2017. 

They previously advised they report the XXXX of every month and if the payments are not paid in full then its reported late to the credit bureau. I advised this is against the Fair Reporting Act.15 U.S.C. 1681. And they are violating 623 section 3 and 8. I continuously explain my payments are due on the XXXX of every month and they can not change my contract. I advised purchasing the loan doesn't change any terms. I asked for the contract showing my signature that changed the terms of my loan. 

The credit agency makes it very difficult to dispute online or by phone. I have asked for a updated credit report several times and never receive one or they advised I have to pay for me. I do not believe I should have to pay for a credit report to verify the inaccuracies reporting.
Product: Debt collection

i did order 3 totes from the company but I never recieved them. I keep getting phone calls and when i called they said it would be took care of. I am not paying for merdinscise i never recieved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Child support is still showing on my credit report, however the credit agencies should not be reporting such .Reason being is I have a court order inwhich states these facts.
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 FEDERAL TRADE COMMISSION or https : //www.ftc.gov 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 the blocking of 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  ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$4000.00} XXXX XXXXXXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX  XXXX Balance XXXX {$2700.00} XXXX XXXX XXXX ( Original creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
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. XXXX : # XXXX, XXXX XXXX : # XXXX, US DEPT ED : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX : # XXXX, DPT EDXXXX : # XXXX, # XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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.