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

Axos bank was requested to send a wire XX/XX/ the deducted the funds basedmy wire request and fee. They then later returned the funds but not the fee I called and they said there was a mistake and they reprocessed the wire but charged another fee. When I questioned why I would pay two fees they said they can not do anything about it.
Product: Debt collection

I received two notices from a collection agency Guardian Capital Management Hawaii LLC XXXX XXXX XXXX XXXX about a debt I had with with XXXX  XXXX XXXX XXXX XXXX I never received a bill from XXXX  XXXX, so I called them on XX/XX/XXXX. The person I spoke to said they had sent bills to an address at XXXX XXXX for services rendered in XX/XX/XXXX. I haven't lived at XXXX XXXX since XXXX of XXXX. The first time I went to the doctor that provided services was in XX/XX/XXXX, and my ID has had my current address, which has been my address since XX/XX/XXXX, so there is no way any paperwork I completed at that doctors office had the XXXX address on it. Also, I received other bills from those visits to my XXXX address just fine. I don't know where XXXX XXXX pulled the XXXX address from, but it was not an address I provided. They made no other attempts to contact me, for example by phone or email. When I contacted them on XX/XX/XXXX, they said they would review internally and let me know the outcome. I received a call from them at XXXX XXXX on XX/XX/XXXX stating they had reviewed my claim and would not reverse their decision to send it to collections because the account had been with the collection agency for more than 90 days.
Product: Checking or savings account

Capital one asked me to verify my deposit now they are asking for more documents than my loan originator asked for this is unfair and invasive and a witch hunt that was triggered by a call from an ex girlfriend to them and she even told me they discussed specific information about my account with her which is against the rules. I intend to seek legal representation. I will gladly provide the cfpb with documentation verifying the deposit belongs to me. I will also provide a statement showing the disbursements with the last 4 of my capital one account showing. The Sba even approved my loan forgiveness application sba  # XXXX  and sba # XXXX ( screenshots below with loan numbers and my email address ) so therefore capital one is unlawfully holding my funds. I contacted the i team as well. Furthermore my account reflects legitimate use for ppp funds which is rent for a part of my business- not that I have to explain that to my bank because it has already been explained to lender and sba and approveed which is reflected below in attachment.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXXXXXX XXXX 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
Product: Credit card or prepaid card

Capital One Credit card company refuses to reveal the factors that determine how a secured credit card is changed to an unsecured card. Customer service insisted that this is patented process that can not be reveled to the public.
Product: Credit reporting, credit repair services, or other personal consumer reports

After months of follow up, phone calls to Apple/Goldman Sachs they have failed to remove the three 30 days late reported on my credit report. This is no longer a dispute as Apple/Goldman Sachs acknowledged that their system caused a failure in my ability to pay the account. They promised to correct this, but several months have gone by and this still shows up on my credit report. This has impacted my ability to obtain a mortgage, now rates have jumped up 2 % higher causing me thousands of dollars in damages. My next step after this complaint is to file a lawsuit for damages.
Product: Credit reporting

I went to Experian to get a free credit report. They charged me {$1.00} for it on my credit card. Then they signed me up for a monitoring service I did n't want. I did n't even know I was being signed up for it until I started getting billed on my credit card. They have billed me {$21.00} XXXX in a XXXX month period. I called them to cancel this unwanted service. It was after-hours and the automated phone prompt directed to me to send an email to cancel the membership. I did. They replied back that they could n't find a record of my account and to send them more information. I did. They said they still have no record of me based on my name or email. I called them to cancel. I waited on hold for almost half an hour. When I finally got someone, they asked for my name, phone number, email, date of birth, etc. They said they do n't show any record of me. I asked them if I have no membership with them, why are they billing me. They said to give them my credit card number. I said I 've already done that and you started billing me with unwanted things, so why would I give you the number again. If they 're already billing me, they should have my credit card number along with name, address, etc. They keep saying they have no record of me, but they keep billing me! I did a google search and found dozens of others going through the exact same thing and none of us know what to do to get it to stop. I 've filed a complaint with the XXXX and contacted my credit card company which is now in a billing dispute with them, but I have n't heard back to see if anything has been done. I just want to cancel the membership that I NEVER wanted. The only reason I went to Experian was because the FTC website said I could get a free credit report. They need to be more upfront that they are charging you and signing you up for memberships because from what I 've seen, this is common practice for them. Now they have emailed me saying maybe it 's another company with a similar name. I 've tried explaining to them it 's not another company, because it 's their same name and same customer service number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested my 3 disclosures to opt out of reporting my personal information to unaffiliated third party consumer reporting agencies, pursuant 15 u.s.c. 6802 ( b ), but they dishonored my request, sent me a copy of a promissory note. This is my second time notifying OSLA student loan servicing. They are violating my rights to privacy. They have no PERMISSIBLE PURPOSE to furnish my personal private information to the CRAs
Product: Money transfer, virtual currency, or money service

I informed Cash App that someone stole or unauthorized transferred {$800.00} dollars from my account and I asked for my funds back but was denied.
Product: Credit reporting or other personal consumer reports

There are unauthorized inquiries on my credit report that i did not consent to.
Product: Debt collection

I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here are the lists that indicates the company name, balance, and date last reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In my personal research, I discovered several Fair Credit Act violations in the contracts I obtained from XXXX XXXX XXXX and Navy Federal Credit Union. These violations include : - Promissory note - Requiring a deposit to be made - Using consumers ' social security numbers to obtain loan funds- Disclosing consumers ' personal identification and sensitive information to credit reporting agencies without written permission. 

According to 15 USC 16026, I am considered the creditor. Additionally, 15 USC 1662 states that it is illegal for the lender to request a down payment. Referring to 42 USC 408, it is deemed fraudulent to request my social security number. Furthermore, based on 15 USC 1605, the lender was obligated to provide me with insurance. I am perplexed as to why I was required to pay a down payment and why the lender never provided me with insurance, instead requiring me to obtain my own insurance. 

The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. It was intended to shield consumers from the willful and/or negligent inclusion of erroneous data in their credit reports. To that end, the FCRA regulates the collection, dissemination, and use of consumer information, including consumer credit information. [ 1 ] Together with the Fair Debt Collection Practices Act ( FDCPA ), the FCRA forms the foundation of consumer rights law in the United States. It was originally passed in 1970, [ 2 ] and is enforced by the U.S. Federal Trade Commission, the Consumer Financial Protection Bureau, and private litigants.
Product: Debt collection

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. Please confirm the information shown in these collection accounts. The unverified accounts listed below are still reporting on my credit report in violation of Federal Law. These accounts were already PAID. I am no longer indebted to this company or its practices. Send any and all documentation that validates your investigation and comments and that the XXXX Credit Bureau is legally allowed to report these on my credit report. If unable to, remove the accounts immediately.
Product: Checking or savings account

On XXXX, XX/XX/year>, I had called Synchrony Bank to request a CD be closed early, to access funds for a home purchase. This transaction can not be completed online. I was told that the transaction would take a few days. 

I have never heard of a bank not processing a closing transaction immediately or at the most, by the end of the day. There is no mention of this in their account disclosures, also. 

I followed up on Friday, XX/XX/year>. I was then told it would take up to XXXX business days to close the XXXX, so by XXXX, XX/XX/XXXX. I attempted to see if there was possibly a supervisor/manager that would be able to expedite this transaction, and was told there was not. 

I am unaware as to why Synchrony Bank would require XXXX business days to complete the transaction and also not disclose that funds would not be available. This is very misleading to consumers.
Product: Debt collection

In response to CFPB:XXXX This dispute is not about my XXXX.Validation of people using my information is not a proper investigation, do not just put into XXXX. I have put you on notice then I reserve the right to file a suit against you for FDCPA violations in my courts venue. You will have to travel to defend yourself in that scenario. Please also be advised that this request is an official validation of debt request and not a verification of address request. Proper proof of said debt is required. Please understand as well that under the FCRA any furnisher of information must put the account rating on hold while the debt is being investigated. Continuing to report this disputed debt to my credit reports is a FCRA violation also open to damages collected from you. when making a dispute no number needs to be provided. you have an address to respond to or a cfpb portal response. whatever previous address you have for me was a fraudulent address, if you can kindly provide that address, i can do a proper investigation of my own.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX CA XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX BANK XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX SP XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX letter from XXXX 's XXXX XXXX admits I had an account and it was closed. XXXX 's has my record of my account and I hiding material facts regarding my account. All my installment payments were paid on time. 
XXXX 's chose not to report to any of the credit bureaus of my good account. Violation of FCRA. 
On XX/XX/XXXX letter from XXXX states XXXX 's credit program was acquired by Wells Fargo N.A. on XX/XX/XXXX including my account. 
My complaint now rests with Wells Fargo N.A.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$39000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- PERSONAL ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2019 with a balance of {$39000.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I woke up on XX/XX/XXXX to two new inquiries on my XXXXExperian credit report, neither of which were initiated by me. One was from " XXXX '' and the other was from " XXXX '' on my XXXX XXXX credit monitoring ( interestingly, the second one showed up as XXXX XXXX XXXXXXXX '' on my XXXX  credit monitoring. ) I received a phone call from XXXX XXXX XXXX XXXX later that morning with a voicemail claiming to be XXXX XXXX checking in to verify the application, and asking me to call them back at that number. I called XXXX XXXX 's fraud number from their website instead, and learned that I did not have an open credit application with XXXX XXXX. Based on the link below, it seems like this may be a common scam to try to get me to reveal personal information on a phone call. 

https : XXXX I now have two hard inquiries on my account that are not valid, and it's been difficult to get them removed. I need a letter from the FTC noting that I did not initiate the hard inquiries, which I then need to mail or rail to the credit bureaus.
Product: Bank account or service

I applied for a job with Bank of America in XX/XX/XXXX and was asked to complete a background check prior to the company making an offer. I agreed to the background check and was notified after approximately 3 days that Bank of America would not be moving forward with me as a candidate due to the results of the initial background check. I contacted the companies listed in the disclosure provided by Bank of America and both companies indicated that they had not received a request for a background check for me from B of A. I have contacted the recruiter and the corporate security department on four separate occasions by email ( 3 times ) and by phone requesting either : 1. a copy of the background check results or 2. The name of the organization to contact regarding the background check results. It has been approximately 4 weeks since I agreed to the background check and I have been unable to obtain a response from B of A. I would like to have a copy of the report on which they based their decision so that I can dispute any erroneous information if appropriate.
Product: Money transfer, virtual currency, or money service

lam filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected Furthermore, their dispute resolution proces was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations. 
XXXX XXXXXXXX I purchased a item from XXXX which I never received the item I contacted the dispute department all I got was a automated system I was not able to talk to anyone I sent them information to show them I didn't receive it and was still denied.
Product: Credit reporting or other personal consumer reports

XXXX still refuse to remove and allow me access to my own report and update and complete outdated reports even after verifying my info
Product: Debt collection

Please see attached.     I received a letter and a check in the amount of {$37000.00}. I am not sure of the exact date I received the letter and check. The check is fro  m Portfolio Recovery Associates, LLC due to a Consent Order with the Consumer Financial Protection Bureau regarding their Litigation Department collection calling practices.
I was not aware of this consent order or that I would be receiving these funds back. Hence the check was not cashed within the 180 days after issuance and is not void ( I am assuming so, as I have not tried to cash it ). The letter and check came in a plain envelope and appeared to be junk mail.
Upon opening the letter, I contacted Portfolio Recovery o  n  XXXX   XXXX ,    2017  about this issue. I was told  by Portfolio Recover  on  XXXX   XXXX ,  2017  that a check has been reissued and I should receive it with in 7 bu siness days.     Today,  XXXX   XXXX ,  2017 , I called  Portfolio Recovery to inquire about the check as 7 business days has passed. I was told that they are not re-issuing a check because the original date on th e check exceeds 365 days. This is in stark contrast on what I was told on  XXXX   XXXX . I asked for a letter explaining their decision and they said there is not  one. I also asked for a copy of the Consent Order as I never received one. Portfolio Recovery has not provid  ed a copy of the consent order and was told they are not sure if they could provide one. The request will be forwarded to a manager.
Product: Debt collection

This company has failed to provide me with adequate information to assist me in investigating the alleged debt of {$360.00}. I have also reached out to the company and provided them with enough time to provide me with debt validation.

They sent me a document that was seemingly manipulated ; consequently, I requested pages 1, 2, 4, 10 and 11 of what appears to be a Purchasing Power Agreement as evidenced by the attached letter and proof of delivery.

I am eagerly awaiting proof that this alleged debt is mine and has not been paid. Failing which, I implore Dyck O'Neal, to undue all negative action that it has taken thus far.

It is to be noted that this is not a duplicated complaint but this refusal to supply documentation to validate the alleged debt is contrary to the FDCPA. Furthermore, it appears that Dyck O'Neal has deliberately withheld material information relating to this case because pages 1, 2, 4, 10 and 11 were missing from the inadequate documentation they sent me through CFPB following my previous complaint ( s ).
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in the light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's finding indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

I obtained a copy of my consumer credit report from XXXX, TransUnion and XXXX on XX/XX/2023. While going through my credit report I've noticed unauthorized inquiries that wasn't initiated by me. I even sent certified mail letter to each credit reporting agency with return receipt to delete the inquiries, but they have failed investigate to remove the information 's that is being furnished. Here 's the tracking number for the letter I've sent to XXXX [ XXXX ]. The certified mail tracking number that I sent to XXXX is [ XXXX ], however they didn't remove the false inquiries. The TransUnion tracking number is [ XXXX ], they have also failed to investigate and delete the inquiries. Below I have attached the letters that were sent to each credit reporting agency alone with the Certified mail receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Some one open an account with information that was stolen. XXXX   was notified on several occasions and it was deleted. XX/XX/XXXX the collection agency resubmitted the same information and it was posted to my credit file. I have sent them this information over and over again I have even submitted the police reports that supports my claim. 


Results Report Number : XXXX Date Generated : XX/XX/XXXX XXXX XXXX XXXX XXXX Account XXXX The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains + 'icon ' Remains
Product: Debt collection

XXXX continues to bill me for a paid service, my medical insurance paid this bill, They have turned me over to collection, and added $ XXXX in added fees .I previously contacted them to contact XXXX and Medicare. My XXXX per their clause XXXX : XXXX { B } { XXXX } requires provider to accept XXXX allowable as full payment.
Product: Debt collection

I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here are the lists that indicates the company name, balance, and date last reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting Act XXXX XXXX XXXX, XXXX XXXX XXXX and One Main Financial, 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 a account without my written instructions.