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

I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfert Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you
Product: Credit reporting or other personal consumer reports

Called XXXX XXXX XXXX @ XXXX after being transferred from XXXX XXXX XX/XX/XXXX to inquire about credit card account that was sold to them by XXXX XXXX XXXX  XXXX This account was written off by XXXX XXXX XXXX, original date opened was XX/XX/XXXX. Balanced updated by XXXX XXXX on XX/XX/XXXX. I advised the rep that I wanted to pay the balance to alleviate the debt to remove from credit report. Representative advised me that they have no record of the account. My first call was 5 days ago at and I was told to call back today. I was told that they have no record of this account again. There is an uploaded copy of the XXXX XXXX XXXX information on this account.
Product: Checking or savings account

during the day of XX/XX/2019.I create a checking account.with the numbers.and this the only i got.from this bank.account XXXX.i decided to links. through external account.my checking account, that i do have.with, XXXX  XXXX.and also XXXX  XXXX.so the money from this two accounts were sended.through the bank trnsfer procedured.ally bank.still having my money.could almost $ 80.00.but most important.of all this, from XXXX till now callin.bringing.false excuses, lies to me.that the account is closed.not the acccoun is no closed, also saying.we found fraud, my credit is good.paying on time everything i go.credit cards.and bank account in good standing.i summit.my information.to XXXX.and notthing wong with.upset.with this bank.and all they people.ally bank.XXXX, XXXX, pa.XXXX.phone numersXXXX./XXXX.been calling. them from XXXX till now.XXXX.puting me on hold.and half of hour.and after that hanging the call.
Product: Debt collection

I am a victim of identity theft. My information was compromised when my wallet was stolen containing all of my personal information. I have contacted LexisNexis asking for them to block the fraudulent bankruptcy from reporting that I never filed. However, after multiple attempts at getting my information to them ( Mailed - XXXX XXXX, Faxed - XXXX - XXXX ) they have yet to process my documentation. According to FCRA 605B, any CRA only has 4 days to process the paperwork and verify it, before having to block it from reporting. If this is up-healed, the bankruptcy should have already been blocked since XXXX, yet it continues to report. I believe this is in violation to the FCRA laws.
Product: Credit reporting or other personal consumer reports

Refusing to remove all old soft and hard inquiries, as well as inquiries by companies without my permission through experience, equines, and transition! These are also showing up through XXXX XXXX and unable to dispute anything through their site with a live agent! 

Experian, Equifax, and Transunion has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed
Product: Mortgage

rushmore loan management services extended to me a 3 month furlough due to covid 19. 
i started paying the loan last month and they refused my payment saying i was late and the payment wasnt sufficient. 
i called the company and they stated they never gave me a covid furlough. 
i have all the paperwork at home regarding the payment relief they issued to me. 
they also file a missed payment with the credit reporting agency. 
which is false. 
they returned the check to me. so the payment was made they just refused the payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified account indicated below continues to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX
Product: Credit card or prepaid card

My initial credit limit was {$2000.00}. I never missed any payments or paid late or went over my credit limit. When my balance was around {$1500.00}, they decreased my credit limit to {$1600.00} which made it look like i was close to maxing out my credit limit. This significantly affected and lowered my credit score and my usage limits.
Product: Debt collection

The debt amount of {$120.00} was originally from Insurance Company " XXXX XXXX '' In my credit report it appears as if I owe the debt to Credit Collection Services. The original debt was with the initial lender. The account got sold to Credit Collection Services and I have no obligations with them, other that they just having a balance in my credit report that is harming it. 

My obligation of paying the debt was with XXXX XXXX not with Credit Collection Services.
Product: Checking or savings account

Bank of America keeps changing my account types without notifying me. I initially signed up for 2 free checking accounts in XX/XX/2009. One of the accounts had a free service ( overdraft protection ), which was supposed to automatically transfer funds into it from the other linked account, in the event it's balance is low. 

The free checking account was changed, without notifying me, to a different checking account ( now referred to as Core Checking ). The free " overdraft protection '' now had a fee for each occurrence, and an additional monthly maintenance fee ( based on the new Core Checking account ) was being withdrawn from my account. 

These fees were withdrawn from my account for about a year before I noticed them. Perhaps it's just me ; I could have sworn that I had never seen the fees show up on my online account as I don't look at my online statements ( I opted to receive only eStatements ). 

I called to ask about the change and was advised that the account was no longer free and the fees associated with the Core Checking account. I was offered a new checking account option " eChecking '' to avoid fees, which I took. 
The eChecking account was online only. It couldn't be used with checks, meaning you couldn't write a check to someone from the account. 

Just this month, I got charged a monthly maintenance fee on the same eChecking account. Good thing I caught it on time this time around right? When I called the customer service center to find out the reason for the fee, I was advised that the eChecking account was no longer offered and they had defaulted me back to the Core Checking account - again, I wasn't notified of the change. 

I believe this is a standard practice for BOA. They probably make these unannounced changes, on purpose, to collect fees from their customers and increase their revenue. These are probably carried out through carefully written algorithms to target certain customers after considering potential revenue they could generate from a particular group of customers. 

I would like this issue to be considered seriously and investigated. I can guarantee I'm not the only consumer affected and used for this BOA 's revenue generation scheme.
Product: Debt collection

Financial management is trying to collect on behalf of XXXX University. I did not attend school for the amount they are asking for I was an online student and already paid them XXXX  with students loan
Product: Credit reporting

Hello team, I came to US few years back and have started using credit cards since then. I have been using XXXX every year to review my credit reports without any issues. 

In XXXX 2014, I was retrieving copies of credit reports for the year. It worked for the XXXX and XXXX, but erred out with Transunion. 
Following is the error message I got : We are unable to complete your requestWhat happened : Unfortunately, your request can not be fulfilled online at this time, based upon the data provided. 
What to do : To request your Free Annual Credit Report by phone, please call ( XXXX ) XXXX. 
Alternately, to request your Free Annual Credit Report by mail, return to XXXXXXXXto download the request form. 

When I called the number provided, I ended up in selecting the option for getting the report by mail. However I followed up with Transunion to check what was the issue. But they did n't help since the free annual report was already sent. 

This year, I tried to obtain the annual reports again. Unfortunately, I saw the exact same error while getting Transunion report. The other XXXX bureau reports are working fine without any challenges. I immediately contacted Transunion customer service ( XXXX ) and explained them the problem. 

They just transferred me to another department ( XXXX ) called - " Transunion interactive '' which deals with their website ( I believe ). The representative told me that they are seeing error number XXXX while pulling my report, which is usually seen because of multiple profiles getting created for the same SSN or usage of multiple names etc. He asked me to contact " Transunion customer relations '' number ( XXXX ) and have them fix the data on my report. 

On contacting the consumer relations, I was surprised to hear that my Transunion profile/ report did n't have any issues, and so they do n't see anything to update. 
They asked me to contact the interactive team again with the confirmation that nothing is wrong with my report. 

Even after having such confirmation from Customer relations, the Interactive team kept on pushing back saying that they ca n't do anything about it. I contacted both these teams few more times, but was just getting transferred between their teams. They never agreed to come on a single call, which might have fixed the issue. I have even talked to supervisors from both the teams, and also talked to few folks from " Special handling '' department, but no one could tell me what the actual issue was. I have n't got a resolution so far. 

For now, I have asked them to send me a physical copy. But I my preference was to get an online copies because I think online copy is more secure and easy to manage. 

I need your help so that someone from Transunion can really look into the issue and resolve it so that I can use the online credit report like everyone else. 

Regards,
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX # XXXX is reporting a collection to my credit report that is in violation of my 30 Day Right to Dispute, I never received any kind of notice for this collection and I settled it as soon as I found out about it. This should not be on my credit report and needs to be removed immediately.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments l 'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action XXXX XXXX XXXX and XXXX
Product: Mortgage

I applied with New American Funding XX/XX/XXXX through XXXX XXXX and after taking my financial information has ceased communicating and did not provide any required disclosures under the regulation ( or indicate why a loan could not be performed ). They required me to submit financial information as part of the application process which is against TRID rules. It has been six business days since submitting an application and they quit responding. The email link to the company bounces back and indicates they only accept internal emails.
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 has violated my rights. 

15 U.S.C 1681 section 602 A. i have the right to privacy.

15 U.S.C 1681 section 604 A. it also states a consumer reporting agency can not fumish a account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containingany of the following items of information any other adverse item of information, other than records of convictionsof crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) Aperson shall not furnish any information relating to a consumer to any consumer agency if the person known or has reasonable cause tobeliveve that the information is inaccurate.
Product: Mortgage

This is a complain against Ocwen Loan Servicing. Ocwen transferred my loan balance to XXXX and failed to supply the correct insurance information to the new lein holder - XXXX. In addition even though an escrow account had previously been established by Ocwen to pay the annual insurance premium, Ocwen instructed XXXX that no Escrow account was in place to pay for the insurance.
Product: Credit reporting or other personal consumer reports

Consumer Name XXXX XXXX, Consumer Social Security Number XXXX, Consumer Date of Birth XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an auto loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX,, a collections account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX,, a collections account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Money transfer, virtual currency, or money service

My funds were stolen out of my account in large amounts i filed three disputes with these guys and I also provided my police report proving that these charges was not me at all and my phone was stolen as well.
Product: Checking or savings account

I am having issues with cash app services and when Im expressing that I would like to add money to my account with my banking card its giving a error and not explaining why I even called after making a withdrawal the same way sending it to my account but there blocking me from funding my account see attachment
Product: Debt collection

I received a Bill in the mail like Ive applied for a installment loan in which I did not with the company named ZuntaFi. Ive nerve heard of such company not have I applied for any installment loan with any such company in fact, Ive already filed Bankruptcy in 2020 because of the same reason, for installment loans Ive never applied for, which damaged my credit profile tremendously. My Bankrupcy was discharged XX/XX/XXXX, XXXX, Ive had fraud alert and my credit freeze in place with all three credit reporting agencies since, and its currently in place now as of this day.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Money transfer, virtual currency, or money service

I am a customer of XXXX XXXX in XXXX Transfer of funds to banks JP MORGAN XXXX $ After I realized that the company I worked with was making a fraud I complained to the SEC complaint number XXXX I asked the American banks for my money back And they refused me. The bank knows that these accounts are of crooks, and does nothing.
Product: Credit reporting or other personal consumer reports

Information such as the open dates are being incorrectly reported and should be removed. I disputed on XX/XX/year>, XXXX on these accounts in various amounts. Accounts that I have no knowledge of and have disputed several times also remain unchanged and no notification was given after accounts were placed back on to my account after being removed. 

Dates reported : XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I still have found alot of inaccurate information reporting on my credit file. I need you to conduct a reasonable reinvestigation! How could you have all of this information incorrect? This is a form of defamation/slander. But ill allow another 5 - 30 days per the law to get these iteams removed and do not use your e oscar system ; this is human error! Conduct a reasonable investigation because I am trying to buy a house this is really hurting my score! Mail me an updated report once all inaccurate information has been deleted! Dont forget about 15 U.S.C 1681 Section 604 A Section 2 : It says a consumer reporting agency can not furnish an account without my written instructions. Lasty, 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. I circled everything inaccurate with red INK!
Product: Debt collection

Good morning, I had 2 accounts in collection which I paid in full and was told that they would be removed and I would receive a letter stating they are at XXXX balance and would be removed. As of today I had yet received a letter or the accounts removed. 
XX/XX/21 paid {$470.00} to XXXX XX/XX/21 paid {$390.00} to XXXX
Product: Credit card or prepaid card

I have had a Chase XXXX XXXX XXXX credit card for several years. The card provides for a free XXXX XXXX hotel room on the anniversary date of the card, which is in XXXX. Chase upgraded my card without my permission and unilaterally changed the anniversary date to XXXX. Therefore, I didn't receive the free hotel room in XX/XX/XXXX and will have to wait until XX/XX/XXXX. I intended to utilize the free hotel room in XX/XX/XXXX. I have contacted Chase and they refuse to rectify the situation.
Product: Checking or savings account

My BBVA Compass bank account, ending digits 9591 was frozen due to a mistake I made attempting to transfer monies in my BBVA account to a similar XXXX account. I have been very dissatisfied with BBVA, i.e. poor customer service. I received a call early in XX/XX/XXXX ( XX/XX/XXXX ) from BBVA letting me know the account has been frozen. I let the representative know I made a mistake doing an electronic transfer with apparently prompted the freezing of my account. I very busy at work at the time and requested a return call. I never received a call. I called back on XX/XX/XXXX and requested a call back. Still no call. Today XX/XX/XXXX I called again and spoke to a representative. I was transferred to some fellow named XXXX. I left a message requesting a return call. No call again. BBVA I believe has {$130.00} of my remaining balance. I just want my money back. I am a good customer for BBVA. I had a personal loan for Solar panels on a 4 year term. I paid the loan off in 2 1/2 years ahead of time. I still get solicitations from BBVA even though they don't respect my business. Please assist me in receiving any funds I have left in my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid my mortgage in full in XX/XX/XXXX and under Experian the account still shows open with a {$260000.00} balance it also shows a payment in XX/XX/XXXX from when I opened a dispute through Experian against XXXX  but I have not made a payment since the payoff in XX/XX/XXXX. The XXXX XXXX report shows closed with an outstanding balance of {$260000.00}. The XXXX report shows closed with a {$0.00} balance. When I call XXXX XXXX, also operating as XXXX XXXX, they confirm that the account was paid in full in XX/XX/XXXX and they have closed the account. I have disputed this through the credit agency and I have also called them and tried to get this resolved to no avail.
Product: Debt collection

I have a bankruptcy that was discharged in XXXX. I purchased a house after the bankruptcy. When I tried to refinance my home I found out that XXXX XXXX with Pressler & Pressler put a lien ( XXXX ) on my home for a debt for a XXXX XXXX  XXXX  dated XX/XX/XXXX. This debt was included in my bankruptcy. 

In the letter, I gave them this information and request for them to remove the lien. 

I sent the same notice 4 times on the following dates XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$5900.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$1900.00} XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX 15 U.S.C , 1681section 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.