23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Fund were fraudulently transferred out of the account. This has happened before and on the previous occasion the bank refunded the funds. The bank says there was no fraud and sent me the transfer instruction. The instruction is fraud ; it is not the account holders handwriting, signature, phone number or e-mail address on the document. The home address isn't even spelled correctly. So, whoever the person is that committed the fraud, only needed the account holders name, address and the account number, if I remember correctly BMO send account statement with the banks name on the envelope, making it easy for anyone in the postal service to attempt fraud like this, or anyone in the bank. 

My question would be ; when the transfer document was received, how did the bank verify that it came from the account holder? How did they verify a fraudulent e-mail address and a phone number, that doesn't belong to the account holder? 

XXXX XXXX, if you are the person that is going to respond on this complaint ; I did follow your advice to try and verify myself and sent the documents to the e-mail address you provided, I also gave an explanation of why I sent it and told them to contact you, if they needed further information. I have heard nothing back. 

I have now been trying to verify myself as a co-account for more than a year, having to go to the XXXX XXXX and still can't get it done ; yet someone that got hold of the account holders Name, address and account number managed to transfer thousands of dollars ; this makes no sense. 

If you don't mind, please give me the contact details of someone at the bank, so I don't have to keep going through the CFPB ; nobody at the bank is prepared to speak to me telephonically.
Product: Credit card or prepaid card

I worked for XXXX XXXX  in XXXX XXXX, CA on XX/XX/XXXX. Due to issues that I have already filed a complaint with the XXXX XXXX XXXX about, I was unable to return to work. On XX/XX/XXXX, I spoke with XXXX XXXX XXXX  that assisted with deleting my inaccurate direct deposit information ( which Comdata does not allow unless we have a card, which hinders the paychecks that we are forced to accept to receive or set up direct deposit for ) and ordered me a new XXXX XXXX. I should have received this card the week of XX/XX/XXXX. When I did not receive it I contacted Comdata and they claimed another was sent out supposedly expedited on XX/XX/XXXX. By XX/XX/XXXX, I called to confirm the order again and get an XXXX because at this point I'm having to borrow money to pay bills while trying to get back to work. They confirmed it was on the way and I am sure I confirmed the address each time and they verified they had the correct address. The rep provided me with a tracking number and said it was set to be delivered on Thursday, XX/XX/XXXX. Today, I check the tracking and it says it has been delivered way to XXXX XXXX, IN even AFTER numerous address verifications. So now they claim to have ordered ANOTHER CARD and it will be sent out in ANOTHER XXXX days. She didn't even bother to make it expedited even though I explained I have been waiting almost a month now. The rep has the most " XXXX XXXX XXXX XXXX '' attitude about it. 

Why does XXXX XXXX XXXX their employees to take a COMDATA card for paychecks and then show no concern, do not provide updated payroll information or make it convenient to receive our paychecks? I had not worked for XXXX XXXX since XXXX and the personnel said they updated their payroll system since then but THEY DID NOT SEND OUT INFORMATION TO UPDATE PAYROLL AT ALL. ASKING IF I STILL HAD A CARD FROM XXXX XXXX  AGO EVEN THO I HAD DIRECT DEPOSIT SET UP THE WHOLE TIME. THEY DO NOT CARE IF THEIR EMPLOYEES GET PAID ON TIME AS LONG AS WE WORK. XXXX WEEKS LATER AND I'M STILL WAITING ON A PAYCARD. THIS IS UNACCEPTABLE. 

Then COMDATA systems will not even allow us to log in and adjust our payroll or direct deposit information UNLESS we have their card. SO THEY ARE FORCING XXXX TO USE THEIR CARD but then WILL NOT EVEN SEND OUT CONFIRMATION EMAIL THAT IT HAS BEEN ORDERED, NO TRACKING NUMBER OR ANY INFORMATION. NOW XXXX WEEKS AFTER WORKING, I STILL HAVE NOT BEEN PAID. I HAVE BILLS TO PAY!! THIS IS HURTING ME WHEN I GET LATE FEES AND BILLS CUT OFF DUE TO NON-PAYMENT WHEN I'M LITERALLY WAITING FOR A CARD THEY HAVE ORDERED XXXX DIFFERENT TIMES. 

I already filed a complaint against XXXX XXXX for working their employees XXXX hours without our second break and now they are also making it extra hard to even get paid. 

This complaint is against XXXX XXXX AND Comdata.
Product: Debt collection

I got a hold of my consumer credit report from your bureau and I got ta say, I'm pretty disappointed with what I saw. There are some errors on there that are hurting my consumer report and I'm asking you to correct them ASAP. Specifically, I'm disputing the following info : XXXX XXXX XXXXXXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. The bank made an error when recording the payment. They are aware of the issue & have agreed to update to paying as agreed never late.
Product: Credit reporting or other personal consumer reports

I submitted in XXXX request to block information on my credit file due to being a victim of XXXX XXXX They asked me to provide a document proving I was a victim which I provided on XX/XX/XXXX. They are now asking me to provide proof of my address, which I do not have Because I am currently living in a hotel for my safety. I dont have a utility bill with my current address I moved out of the state that I was in and I am using a temporary address for my safety. They worker who is handling my case to provide me an alternative, but she said there is none Removed from my credit file so I can get accepted into a program for victims of XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Credit Inquiries To Whom It May Concern, I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXXXXXX XX/XX/2023 XXXX XXXX XXXX  XX/XX/2023 XXXX XXXX XX/XX/2023 XXXXXXXX XXXX XX/XX/2023 Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.
Product: Debt collection

CLARK COUNTY COLLECTIONS ( XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$2200.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/2016 and has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Debt collection

I had 5 accounts that had been placed with Midland Credit Management ( MCM ). When I contacted them to reach an agreement to pay these accounts I was told that if I paid them they would immediately delete them from my credit reports. I paid them but they did not live up to their end of the agreement. They sent letters stating that I " have no further obligation to this debt. '' Only one letter was sent saying that they would remove the account from the credit bureaus. They removed this one account from XXXX and XXXX but not from XXXX. This company is causing me financial hardships by not living up to their end of a mutually agreed upon settlement. I have filed multiple disputes with the credit reporting bureaus only for MCM to " validate '' these debts. They will not work with me in correcting these issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX was allowed by equifax to perform a hard inquiry without consent.
Product: Debt collection

In accordance to the credit reporting act this creditor has violated my rights. Under 15 USC 1681 section 602 states I have right to privacy. 15 usc, 1681 section 604A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a credit may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. 

I requested proof of debt several times over the phone when contacted but never received any information.
Product: Debt collection

XXXX XXXX account was open XX/XX/XXXX. No payment was made on this account XX/XX/XXXX. LVNV, XX/XX/XXXX. THE debt is time bared an should not be reporting on my consumer credit report. 6 years is Tennessee law to collect a debt.
Product: Debt collection

Account name : XXXX XXXX XXXX  Account number : XXXX Account balance : XXXX Date reported : XXXX, XXXX XXXX I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency Experian, it remains unsolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history.
Product: Debt collection

On XXXX XXXX I received a collection notice from my credit profile alerting that credit collection services was attempting to collect a debt in regards to doing business with XXXX XXXX XXXX XXXX, in the amount of {$870.00} and have not given this company consent to disclose my location information this is a direct violation of XXXX XXXX XXXX Acquisition of location information this company should have not contacted me about an alleged debt not owed to their company without consent of the consumer. This debt is disputed.Please delete from your information system. XXXX XXXX XXXX validation of debts written notice by including the name of the creditor to whom the debt is owed ; the amount of the debt ; I have not signed any contracts with this company and have received no verification or validation that it was lawful to collect such a debt. The securities of the contract was provided with the XXXX number when originally signed with the original company so this company is trying to steal a securities of such. NO CONSENT FROM CONSUMER OR NOTIFICATION ALERTING THE CONSUMER OF transfer of ownership.
Product: Checking or savings account

I called Capital One in XXXX after I noticed my savings account had been closed. I was told I had exceeded the amount of withdrawals on this account, and Capital One chose to close it. The bank has no copies of its correspondence with me about this matter. I sign up for customer alerts and have received other secure messages about this account. Had they contacted me through the portal and given me an alert that this account was going to be closed, I would have been able to stop the withdrawals : It was an honest mistake where this account was linked to my XXXX account, and when my CC expired, this became the default payment for many small payments, like to XXXX or XXXX. 

It was closed in XXXX, which is the same month where I moved from XXXX  to XXXX. I never received such correspondence and have never received the check they were supposed to write to me to a new address. I asked Capital One to send me documentation and copies of their correspondence to me, and this is all they could provide : Regretfully, we are unable to obtain copies of these specific communications that would have been sent to you. However, we were able to confirm where these communications were sent to and when they were sent. All excessive withdrawal and account closure communication ( s ) were sent to the address we have on file. Communication regarding each excessive withdrawal was sent around XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Subsequently, the account closure letter was sent around XX/XX/XXXX. 


** Capital One boasts about its user-friendly experience and use of technology. If it can't even provide its customers with consistent and accurate electronic communications, I think it needs to reevaluate how it serves customers and how it positions itself in the market. 

I have provided a Capital One Customer Service Manager with an updated address. I was not allowed to change it on the portal since they closed my account and I am no longer a customer. I am hoping they will retrieve that information and send me my check from my account closure soon.
Product: Checking or savings account

On XX/XX/24, I purchased a membership with XXXX for bank foreclosure listings. I was told that I had to take a course, which was over 2 weeks out, in order to become visible to the banks. I took the course and then reached back out to XXXX and was told by a different person ( not in sales ) that they couldn't guarantee I would receive exposure to the listings- which was the reason I purchased the membership. I cancelled the membership and was given a ticket number ( this email was provided to Navy Federal ) and advised that someone from sales would take care of the refund. After a few weeks of no communication, I called and called and called. I kept getting transferred to a voicemail and leaving messages- never received a phone call from the merchant. I started the dispute with Navy Federal and they have continued to deny my claim seeking an invoice ( never provided from the merchant ), a contract ( never provided from the merchant ), or a detailed description of the service ( provided to the bank several times ). Navy Federal refuses to assist me with obtaining my money back from this merchant. The membership was cancelled. I did not receive anything in return for the money that was spent. I spoke with XXXX at XXXX on XXXX  and he was of no help at all. That was my last call. I have begged Navy Federal to assist me with getting my money back from this bait and switch transaction. They refuse to do so.
Product: Credit card

I called BMO on XX/XX/XXXX to initiate a dispute regarding an unknown charge for {$43.00} made in XX/XX/XXXX. 

I never use this credit card, so this charge was a surprise. It also caused an automatic payment to fail, as I was not expecting card activity for XXXX. 

When I called BMO to dispute this charge, I was informed that it was an " in person '' transaction at an Italian restaurant in XXXX. Because of this, I can only dispute the charge with a local police report. The merchant is located in XXXX. I am in the XXXX. 

I have never heard of this restaurant, though I was in XXXX in XX/XX/XXXX. I never used my card at a restaurant. In fact I have not used my card in the past six months.

I asked BMO to contact the merchant to request an invoice or receipt, but BMO refused unless I have a XXXX  police report. 

I have since closed the credit card account, paying the charge in question.
Product: Mortgage

I refinanced my loan and was told that the payment was not due until XXXX and that if I started to pay the note earlier I would not have to pay interest and the entire payment in XXXX, would go to the principal. I called on this matter and they said that they would correct it but I looked over my payment record and it still shows that the payment was collected to interest and not all of the payment in XXXX went to principal. The main reason I paid the note earlier than required was to have the early payment go towards the principal only. I checked the history on the web site and they did not do what they said that they would do.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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.
Product: Credit card or prepaid card

This is a letter they request and I sent to them. On XXXX, We want to continued with this dispute. I purchase 2 tickets with XXXX XXXX on XXXX. Purchase on-line with my Master Card. Did not get a printed receipt. 
I called XXXX to cancel flight. My wife was was coming down with the flu. Was told there was a cancel fee. Was also told for a credit for balance to be credit on my card 2 to 3 days. Will be notify via email account. Never received, Call back XXXX asking about credit on my account. Was told credit be applied to future flights. Good for 90 days. Never told this on XXXX. Then I call Master Card to start a dispute. There should be a recording to the airline XXXX.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had one late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : Account Name : XXXX, Account Number ; XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian, through U.S. Mail correspondence, to some information they were reporting on my credit report. After the initinal ivestigation they sent me a letter stating they verified the information and it was correct. I then requested any copies or original documentation, ie a consumer contract with my signature on it, as required under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) in four more requests by U.S. Mail signed and notarized stating I was not requesting an investigation since they had already stated they completed one, but again the documentation that is required by law showing what I have previously stated ; each time this was requested Experian would send me a letter stating the information was verified and updated but I was never sent the information requested. 
The last correspondence I received from them was XXXX XXXX, 2017 and again they only stated they completed an investigation and it was verfied and updated.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXXXXXX XXXX XXXXXXXX Date : XX/XX/year> To : FactorTrust , Inc. XXXX XXXX XXXX XXXX, GA XXXX Subject : Request to Update Public Records with Phone Number Dear FactorTrust Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Thank you for your attention to this matter. Please feel free to contact me at XXXX or via email at XXXX if you have any questions or need further information. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX
Product: Payday loan, title loan, personal loan, or advance loan

This company wants me to repay a {$300.00} loan for almost {$1000.00}. I have never come across any loan company that would have you repay a loan XXXX of the original amount. This can't be legal
Product: Debt collection

Original creditor was XXXX who attempted to charge us for a months worth of service that was never provided as the service was terminated due to poor service from the company and moved to a new provider. 

XXXX had sent a final bill over a month after leaving them claiming we owed them for a full months worth of service that was never provided. They then claimed we agreed to be billed for a full month even if cancelled. I asked them to provide me with such a signed agreement and to date XXXX has been unable to provide any proof other than bills issued after that date showing the balance. 

XXXX then sold the debt to Diversified Consultants who attempted to place this bad debt on our credit report. Both agencies removed it immediately. Then they either reposted it using Diversified Adjustments ( which is likely the same company ) or sold it and was reposted by this new agency. It was again immediately removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I haven't sent XXXX or more letters certified to all 3 bureaus about inaccurate information on my report that is severely impacting me with getting a home. I have requested validation and nobody has responded this is a FCRA VIOLATION and I want these inaccurate items of my report. 

XXXX Acct # XXXX - I have spoke to XXXX and removed my late payments I should have XXXX late payments on my credit report. It is still showing late payments for XX/XX/2021 and XX/XX/2021 XXXX XXXX XXXX Acct # XXXX - I DO NOT HAVE ANY AGREEMENT WITH THIS COMPANY AND ARE REPORTING INACCURATE INFO ON MY REPORT. THEY WILL NOT RESOND TO ME - FCRA VIOLATION. 

I would like these items to be deleted asap off my report. I've attached screenshots for your reference, thank you.