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

I receive my bi-weekly direct deposit through Capital One Bank. I usually receive my deposit Wednesday night or XXXX  morning. Today is XXXX my original pay day I was not informed of an issue until Thursday evening which stated they are having technical difficulties and the issue should be resolved by XXXX morning. I have not received my direct deposit and after calling Capital One several times staying on the line for XXXX hours to still not get any answers. No updates, no resolution and no direct deposit.
Product: Credit reporting or other personal consumer reports

Upon checking my credit report on XXXX XXXX XXXX agency. I noticed several inaccuracies involving multiple accounts in direct violations of the Fair Credit Reporting Act section15USC 1692 ( C ) If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt. 
Accounts in violation such as follows : Account names, numbers, and addresses : XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX FL XXXX XXXX XXXX, CA XXXX XXXX. Acima Digital Fka Simp, XXXX, XXXX XXXX XXXX XXXX FL XXXX, UT XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX I never gave any of these companies written consent to furnish such information by no means whatsoever please cease and desist all communications immediately!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAD A CREDIT CARD ACCOUNT WITH CBNA WHEN I WAS IN THE MILITARY. I MISSED A PAYMENT WHILE I WAS AWAY ON XXXX IN XXXX OF XXXX BUT I GOT MY ACCOUNT BACK ON TRACK. IN XXXX OF XXXX AFTER I WAS XXXX FROM THE MILITARY I FELL ON HARD TIMES AND I WAS UNEMPLOYED FOR A FEW MONTHS. THIS CAUSED ME TO FALL 120 DAYS BEHIND ON MY CARD PAYMENT. WHICH CAUSED CBNA TO CLOSE THE ACCOUNT. THIS WAS ALSO DONE WITHOUT MY KNOWLEDGE. I WAS NOT NOTIFIED OF THIS AND CBNA WAS AWARE THAT I WAS UNEMPLOYED AND FELL ON HARD TIMES. WHEN I WAS FINANCIALLY ABLE TO I PAID THE ACCOUNT IN FULL IN XXXX OF XXXX. SINCE THEN THIS ACCOUNT BALANCE HAS BEEN PAID. THIS ACCOUNT HAS MANY DEROGATORY MARKS AND IS SEVERELY HURTING MY CREDIT SCORE. I AM REQUESTING THAT CBNA IMMEDIATELY STOPS FURNISHING THIS ACCOUNT WITH THE BUREAUS AND REMOVE THIS ACCOUNT FROM MY REPORTS. THIS ACCOUNT IS HINDERING ME FROM OBTAINING CREDIT. I AM TRYING TO PURCHASE A HOME AND IM UNABLE TO MOVE FORWARD WITH THIS NEGATIVE ACCOUNT BEING ON MY REPORT.
Product: Credit reporting or other personal consumer reports

I was marked 60 days late for American Honda account # XXXX for the month of XX/XX/23 and XX/XX/23 respectively. I believe this was done in error and I am requesting the correction of the negative reporting on my credit. The car lease was initiated on XX/XX/23 and the initial monthly payment was paid at signing. However, the billing statements for XX/XX/23 and XX/XX/23 were sent to an erroneous address that I am NOT affiliated with whatsoever. I didnt receive them, and was not informed that the payments were due until I reached out to XXXX and inquired as to why I am not getting statements. 
I am not sure where this address came from and why the statements were sent to that address. As per my conversation with XXXX reps, the statements XXXX sent to XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX  an address I am not affiliated with. They said that the dealership put this address on the application, but the dealership denies putting this address, and they stated that they included the address listed on my driver license. 
The billing statement should have been sent to my home address, the address specified on my driver license, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX. Please note the attached driver license which clearly specifies my address as being the one listed above. 
The aforementioned late reporting occurred due to an error, and hence I am requesting the immediate correction of the negative reporting on my credit report as it is inversely affecting my credit profile. I didn't provide the incorrect address, and if the statements were sent to the correct address, the monthly fees would be paid on time!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter to formally lodge a complaint against Lexis Nexis Risk Solutions for reporting significantly inaccurate and erroneous information to my insurance company, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

Lexis Nexis Risk Solutions is responsible for providing consumer reports, including details of motor vehicle accidents, traffic tickets, personal identification information, and other relevant data. However, the information that has been associated with my report is profoundly incorrect and unrepresentative of my personal and driving records. 

To outline the severity of this issue, the incorrect details on my consumer report include motor vehicle accidents that I have never been involved in or have any relation to, traffic tickets that I have never received, several incorrect names, addresses, Social Security numbers, identification numbers, and phone numbers that are not related to me in any capacity. 

These gross inaccuracies have had serious implications on my financial health, personal reputation, and most importantly, my insurance premium with XXXX, which relies heavily on this data to determine my insurance rates. The incorrect data from Lexis Nexis has caused undue stress, financial burden, and has been a considerable inconvenience, as I am now tasked with correcting these errors ( my yearly insurance premium increased from ~ {$1400.00} to ~ {$3600.00} ). 

I have attempted to resolve this matter directly with Lexis Nexis Risk Solutions, but unfortunately, to no avail. Therefore, I am now seeking your assistance to investigate this issue and to require Lexis Nexis Risk Solutions to rectify the inaccuracies promptly.
Product: Debt collection

XX/XX/2020 XXXX, {$290.00}, XX/XX/2020 XXXX {$100.00} I have reached out to XXXX XXXX  in reference to these accounts. These accounts are an result of identity theft which is reporting on my report inaccurate and is violating fair debt reporting act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to equifax back in XX/XX/XXXX stating that I have unauthorized hard inquiries on my report along with the FTC report. I never heard from anyone. I called twice, once on XX/XX/XXXX and was told that they would remove these inquiries. I called again on XX/XX/XXXX and put in another dispute stating what I have been through with the other reps at equifax and he assured me that these inquiries would be deleted but they are still on my report. I really need help with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contact the credit bureaus to do a review of credit report they did, but i did research and found improper even after they did review, the account numbers, in accordance with the fair credit reporting act XXXX XXXXt # XXXX XXXX, XXXX, XXXX are found to be improper, and violate my rights 15.u.s61681 section 602A section 2 : it also states that a consumer reporting agency can not furnish a acct without my written instructions.
Product: Credit reporting or other personal consumer reports

I Received A Update/Email From Experian Stating That This Fraudulent Account Remains I request a detailed description of the investigation conducted regarding the account under the name and number : XXXX ACCOUNT XXXX I would appreciate receiving a comprehensive report outlining the actions taken during the investigation, the findings, and the reasons why the account status remains unchanged. 

Please provide all pertinent details, including any correspondence exchanged, steps taken to verify information, and any relevant factors influencing the outcome of the investigation. 

Your prompt attention to this matter is greatly appreciated. If there are any forms or additional information required to process this request, please do not hesitate to contact me.
Product: Credit reporting or other personal consumer reports

Ill call XXXX XXXX and spare about an existing account that was fragile. They refused to remove it after the fact that they had an FTC report and I asked him multiple times for the past four days to remove the account which they refused to remove the account. The account number is XXXX. I spoke to all three of them on XXXX The XXXX. I also spoke with them on XX/XX/XXXX and I spoke to them again on XX/XX/XXXX. They kept giving me the runaround about they never received an FTC report along with my documentation they had also lie on recording Line stating that they did not receive it when I called Back Up there again they lied again, saying that they never received the documentation and then told me one thing that they did receive it
Product: Credit reporting 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 XXXX XXXX  : # XXXX, XXXX XXXX XXXX  : # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have a 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 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 ) Section states 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: Debt collection

Debt collectors can not falsify information or present themselves in a way that is deceptive including making false claims about the amount of the debt, who they work for, or what they will do if you do not pay the debt. 

Americollect on XX/XX/2018 called and claimed without telling me who they were that they knew my mother and it was a personal call. It was only till I insisted later in the call that they properly identified themselves but at this time I had already given them a number I would otherwise not have. This violates the law as they presented themselves in a deceptive way.
Product: Credit reporting or other personal consumer reports

In my Transunion Credit Report on XX/XX/year> appear and inquiry from XXXX XXXX XXXX that I never authorized or is identity theft, I am asking to be removed from my Transunion credit report. Just to make sure I would lock my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX {$680.00} XXXX XXXX {$0.00} XXXX XXXX {$7300.00} XXXX XXXX XXXX {$2300.00} XXXX {$0.00} XXXX XXXX {$7000.00} XXXX {$0.00} XXXX XXXX {$970.00} XXXX {$53.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX {$1000.00} XXXX  XXXX ( Original Creditor : XXXX XXXX BANK ) XXXX {$1000.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  ) XXXX {$1400.00XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX {$2100.00}
Product: Checking or savings account

On XX/XX/XXXX I was scammed on XXXX I answered a prize puzzle correctly and supposedly won {$4000.00} but I had to invest in bitcoin and pay the service fees to win the {$4000.00} I paid {$210.00} and then {$320.00} and a friend told me it was a scam so that I let my bank TD Bank know I followed through with their instructions and they credited me on XX/XX/XXXX the amount I was scammed but then on XX/XX/XXXX my bank TD Bank reversed my credit they issued me on XX/XX/XXXX and I am a XXXX XXXX XXXX  and I was advised to complain about TD Bank reversing the credit because they credited me then took it back and I am told to make a complaint
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I purchased a {$990.00} Western Union money order at XXXX. On XX/XX/XXXX, I deposited the money order in person into my XXXX XXXX XXXX XXXX XXXX XXXX checking account. The following week, I saw a transaction on my banking ledger indicating the money order was returned unpaid. I spoke with the bank and learned Western Union refused to pay the money order. Then I filed a dispute with Western Union in accordance with their online dispute process. On XX/XX/XXXX, Western Union sent me an email stating " ... we cant recover the funds or refund money order XXXX because it has already been cashed. '' They also said they would mail a copy of the money order to me, but I never received a copy. I requested they email their copy to me, but they never responded. It's just not possible that this money order I purchased from Walmart was already cashed. The money order never left my possession until I presented it to my bank for deposit into my account. With this CFPB this dispute I have included a copy of the bank deposit scans from my bank, as well as my receipts for purchasing the money order.
Product: Checking or savings account

My name is XXXX XXXX I'm XXXX veteran. And usaa not only XXXX me on my auto insurance policy but they think it's ok to garnish my wages that va XXXX and social security XXXX for a debt my wife owed and and iv tried closing the accounts I have with them and they refused my request 3 times now. And they keep returning all payments. XXXX  is a XXXX and they need to be taught how to treat veterans. And XXXX and XXXX are some XXXX XXXX. I need instructions on how to file answer to garnishment in arkansas. I was never served with any paperwork before the garnishment.
Product: Credit reporting

Experian has fraudulent information listed on my credit file from XXXX XXXX XXXX XXXX Numerous attempts to dispute this Inaccurate and Unverifiable information have been made with no remedy. Supporting documentation will be sent via U.S. Mail
Product: Debt collection

Regional Acceptance is in violation of the Fair Debt Collections Practice Act and also the Florida Consumer Collections Practices Act. 

Both regulations/acts prohibits debt collectors from repeatedly or continuously calling you with the intent to harass, oppress, or abuse you.

Under the Debt Collection Rule, collectors are presumed to violate the law if they place a telephone call to you about a particular debt : XXXX. More than seven times within a seven-day period, or 2. Within seven days after engaging in a phone conversation with you about a particular debt Regional Acceptance has placed at least 20 calls to my mobile number since XX/XX/. This pattern has repeated itself on a weekly basis for several months. 

On XX/XX/2024, I contacted Regional Acceptance and established a Right Party Contact with 2 different agents and discussed my account. The last representative, XXXX advised me he was going to send my account to Management for review of a possible settlement. XXXX advised me that someone would contact me back via phone to discuss that settlement. Permission was given for this contact. 

On XX/XX/2024, I received a phone call from XXXX who advised me of the past due nature of my account and advised me that she was not contacting me regarding the settlement proposal and she was calling via an automated dialer to collect the debt. 

I explained to XXXX that I was shocked to be receiving a collection call since I had contact yesterday about the status of the account and was only expecting a call back about the settlement proposal. I also explained that the phone call was in violation of FDCPA which prohibited contact with me for 7 days since I had just spoken with them yesterday. XXXX advised me that she was allowed to call me because I didn't secure an arrangement on my account during previous discussions. XXXX also went on to explain that she was only doing what she was trained to do and wasn't familiar with any of the regulations/acts that I was describing. 

During this conversation with XXXX, XXXX also called me from Regional Acceptance about the settlement proposal. I explained to XXXX that I needed to release the call with XXXX. 

XXXX explained the settlement request I had made was counter offered. I explained to XXXX that I was no longer interested in a settlement and that I intended on filing this complaint and potentially pursuing litigious activity for violation of the above mentioned. 

I deem the repetitive phone calls and conversations harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed fraudulent items with equifax on multiple occasions. from XXXX until now. I have contacted the companies and they have verified that they have removed these items from their computers but equifax has refused to clear the items of the credit files maintained by their company. The items have been removed from the other XXXX bureaus. Equifax has refused to a knowledge the dispute, they have not removed the items nor have they even marked them as disputed. I have talked with them and verified with the agents that they received my fraud packet with the police report included and they have refused to remove any of the items or reach out to the reporting companies even though the companies no longer have the files active in their systems and have closed them as fraud. I have had contact with equifax. and faxed and mailed the information on these dates XX/XX/2018XXXX XXXX XX/XX/2018, and XX/XX/2018, XX/XX/2018 They have refused to acknowledge any of these contacts and disputes and have verified that it has been received every time
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 I noticed accounts on my credit report that didnt belong to me. I immediately sent in a dispute to XXXX, XXXX, and Experian. 


I didnt hear back so I sent a demand to comply with investigation on XXXX Today is XX/XX/2020 and I still havent heard from these companies.
Product: Mortgage

We need help. 

Husband and I have sent now 4 messages by email and through the portal on the Mr. Cooper website. Our loan was originally serviced by XXXX never had any issues, but it was sold by XXXX to Mr. Cooper and we have had nothing but problems. They continually are impossible to get a hold of and do not respond to any of our messages asking for specific details about our escrow account. We need you help to have them answer our specific questions as the math they are provided does not add up. Further we have been charged late fees by XXXX XXXX XXXX tax due to their incompetence amounting to over {$250.00} and now they are saying we need to pay an additional almost {$410.00} because of their miscalculations to our escrow account. We can not afford this. It is absolutely awful what they are doing. And the math does not add up. We have asked many time for them to contact us by email but we are continually ignored. We are very concerned as this lender as many lawsuits related to mishandling of mortgages and particularly escrow accounts in the past. 

Our tax amounts have not changed. On XX/XX/XXXX we have a {$94.00} surplus per letter they sent. Now just a few months later ( again no changes have been made by county tax office ), they are saying we have a deficit of {$5000.00} on XX/XX/XXXX. The numbers make no sense. 

We have asked repeatedly by phone, email and the customer service portal to speak with someone in leadership to have our account properly reviewed and our questions answered directly by phone or email. But for months we have been ignored. 

I am attaching a copy of these escrow statements as well as a copy of the original email I sent that still hasn't been responded to since XX/XX/XXXX to customer service and a XXXX. 

Look forward to hear back very soon. 

Sincerely XXXX XXXX XXXX
Product: Checking or savings account

My direct deposit from employer not deposited as its supposed to be on the XXXX of XXXX and when bank called I was told to wait because ther is an outage in their system and today is the third day and no funds deposited, calling the bank is a hassle because of the amount of people suffering from the issue, customer service being rude too
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/21 - Received notification from ProCollect regarding alleged debt. 
XX/XX/21 - Submitted formal written dispute advising alleged debt was incorrect and requested proof of damages to apartment and outstanding debt amount. 
XX/XX/21 - Received response from ProCollect that included a Waiver of Reservation and handwritten notes on a Account Statement with no proof of debt. 
XX/XX/21 - Responded to ProCollect with pictures and proof of payment as evidence that the alleged debt amount is incorrect and the damages are not accurate. 
XX/XX/21 - Without receiving a response to my formal dispute, ProCollect report the incorrect debt amount to the Credit Bureaus. 
I responded in writing and sent the responses certified to verify receipt, but still received a negative report to me credit report. I provided proof that three payments were not reflected in the alleged debt amount and pictures showing no damages to the unit.