23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This was suppose to be paid again by the XXXX assistance program. Please inquire with them where they are in this process.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the XXXXXXXX XXXX account XXXX with all 3 Credit Reporting agencies they updated I accurate information noting that the furnished of the information Guaranteed that the information was accurate. The FCRA says that these companies must do an independent investigation not jut take the furnishers word for it .they are willfully violating the FCRA an also my rights they have the proof that this account is not accurate but in fact erroneous an should be deleted according to federal consumer protection laws .this account has been reporting in error since it opened with the creditor breaching the contract with an unscheduled monthly payment before payments were scheduled to begain.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX  XXXX XXXX : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2100.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two dismissed bankruptcies on my XXXX report. I have disputed these bankruptcies for years. Finally XXXX told me that I had to dispute them with LexisNexis, which I did. LexisNexis removed them. XXXX still refuses to remove them, saying that LexisNexis is certifying that they are in their data base. LexisNexis is telling me that they are not certifying to XXXX that these bankruptcies are in their database. Im caught in the middle. I have letters from XXXX saying they were removed, which XXXX is ignoring. I want these items removed. It should not take years to have this corrected.
Product: Bank account or service

I opened a business account with Wells Fargo in late XXXX 2016 and my first deposit of {$10000.00} on XXXX XXXX 2016 was placed in a " hold '' until XXXX XXXX 2016 ( I just started a small business, so this is a very long period to wait for the availability of funds ). When I asked them about why this was, Wells Fargo claimed that when they tried to deposit the funds on XXXX XXXX that the account attached to the check has insufficient funds and they they would wait a week to try it again, but that the funds, whether deposited or not, would still continue to be " held '' and unavailable until XXXX XXXX 2016. I checked my my client who issued the check and their bank shows that the money was withdrawn from the account on XXXX XXXX ( the day I deposited the check ). Wells Fargo claims that this is n't the case ( despite proof the the money is no longer in the account attached to the check ), and that there is nothing they can do about the hold. I suspect that Wells Fargo is holding the money for investment purposes since I 'm a new account holder and have very few options in terms of recourse. It makes no sense to me that the funds are not in the originating account and Wells Fargo is claiming that the money must be " with the federal reserve ''. I spoke with " XXXX '' in their complaints department and he could n't or would n't help me. He said that the funds would be available on XXXX XXXX 2016 ( different than what the previous gentleman told me ) but refused to give me a complaint number or a number to reference in case the money is n't available on XXXX XXXX. I let them know I would be filing a complaint with the CFPB. Wells Fargo is behaving in an unethical and unhelpful manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm not able to see my credit report on Equifax.
Product: Checking or savings account

On XXXX XXXX, 2018 I tried accessing my online banking with Bank of the West. I encountered a verification communication that I was required to agree to, unconditionally and ongoing or not be able to access my account. I was not willing to agree to the demand and have now been unable to access online my business or personal accounts. After getting no result with phone customer service, or from the folks at the branch where I bank, I did some research and got the name of the bank president and figured out her email address and sent her a direct communication, as no one under her had been able to help me. I received an anonymous response from an associate of hers saying my complaint was forwarded to compliance and I'll hear back from them within 5 weeks. I wrote back that was not acceptable, as my business is in high season and now my livelihood was on the line, could they please help. I received a call from the online department who was able to bypass the verification block by having me reset my security questions, which allowed me online access at that time. However, I am still blocked. If I want to get online I must call and connect with the online department who then bridges the gap. The communication policy now being required offers no options other than unconditional release of my phones, email and other devices to receive unscreened, unsolicited communication of any sort, at my expense from their outside vendors and independent contractors for an open ended purpose. No guarantee that those vendors won't pass along the information either. HERE IS A COPY OF THE AGREEMENT I COULD NOT ACCEPT.. notice the term " for other reasons '' which leaves the door wide open.. 

By entering into an agreement with us, you expressly agree and consent that we, any of our affiliates, agents, independent contractors or service providers : May monitor and record telephone calls to assure the quality of our service or for other reasons ; May use written, electronic or verbal means to contact you ; and May contact you by using any email address or any telephone number you provide, including a telephone number for a cellular phone or other wireless device, regardless of whether you incur any charges as a result. 

By your entering into an agreement with us, you are expressly consenting to, without limitation, contact by manual calling methods, prerecorded or artificial voice messages, text messages, emails and/or automatic telephone dialing systems regarding any current or future accounts, loans or other banking services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information.

In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private.

Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title.

Due to the breach of my privacy, I am requesting the following items be Deleted Immediately.

1. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT Account Number : XXXX Delete this account.
Product: Money transfer, virtual currency, or money service

I need assistance with XXXX XXXX. I lost my phone and need it on my new phone to access my account or to send more than XXXX bitcoin. I can not even change security settings to help myself because of this. Their admin could help me in 60 seconds. I have been waiting a week. Their online XXXX @ coinbasesupport serves as a support contact and they literally skip over me and help new requests. I have a significant portion of my life savings on this platform. I 'm floored as to the lack of support. My initial support ticket was submitted 1 week ago and I have not heard a peep from support. I have access to see from one device but I can not change settings due to losing my phone. This access expires every 30 days which I anticipate will be shortly. I need access to my funds! I 'm verified! <P/>Also note the platform coinbase had a crash with the very coin I have a lot of investment in and it lost 99 % of the value periodically. I could not do a thing due to the lack of access from every device around me that night. I need a human to answer my ticket and fix my XXXX authentication so I can access my money immediately. I can provide any documentation necessary. Case # XXXX XXXX
Product: Checking or savings account

Dear Capital One Claims Department, I am formally requesting the reopening of my claim and have attached the necessary documentation proving that the entire transaction was mishandled. The business in question improperly retained my {$3000.00} deposit and charged two application fees instead of one. One of those fees was for my XXXX daughter, who has been declared legally incompetent by the State of XXXX  meaning she can not legally enter into binding contracts. This charge was unlawful. 

The business ignored my attempts to contact them for three weeks, which led me to dispute the transaction with my bank. I successfully recovered my {$3000.00}, but my {$310.00} dispute was left unresolved. After learning of my bank dispute, the business sent me the letter attached, further proving their mishandling of this situation. 

As a result of this unresolved claim, Capital One has frozen over {$7300.00} of my funds, including my legally returned {$3000.00}. This action has placed me in a financial crisis, preventing me from making essential payments : My vehicle is at risk of repossession due to a reversed payment caused by my frozen account. 
I am unable to pay my rent, which has been due since the XXXX. 
I can not buy gas or food for my XXXX children. 

This situation is unacceptable, and I demand immediate action. I expect my funds to be fully released within 24 hours, except for the {$310.00} under investigation. If my funds are not released, I will escalate this matter by filing formal complaints with : XXXX XXXX XXXX XXXX  The Attorney Generals Office Capital One Corporate Headquarters Given my circumstances, including the fact that my family was already severely impacted by Hurricanes Milton and Helene, I find it appalling that Capital One would freeze my funds over a {$310.00} claim, especially after I have provided all necessary documentation today since I for some reason never received a request asking for more information. 

I urge you to take immediate action to correct this injustice and release my funds. Please confirm receipt of this email and provide an update without delay. 

Sincerely, XXXX XXXX
Product: Debt collection

Some used my personal information on XXXX. XXXX billed me for {$100.00} when I was not doing any business with them or using their services in any way. I provided them legal documents proving it was identity fraud. I filed bankruptcy and my attorney told me to list the debt to get it XXXX. I did, notifying both XXXX and CBE of the filing and then once the Chapter XXXX XXXX  was granted. I have made it clear to CBE at least three times after the discharge, mailing them copies of the judge 's order and how they were violating the law by continuing to bill me. I get another bill today, they are still billing and reporting on a debt owed which is not.
Product: Credit reporting or other personal consumer reports

I checked my credit karma which reported that there was a hard inquiry on my account from capital one on XX/XX/2024. I did not make any account with them so I called them. They said there was a XXXX XXXX account made using my information but did not use my phone number. I told them that it was fraud and not made by me and they will be doing an investigation. I checked my transition and saw random numbers I didn't recognize under my account and inquires on my account. Someone has my identity and have been using it to open bank accounts.
Product: Debt collection

Penny Mac Loan services, has claimed they paid the property tax bill on my house. 

They have not. I have been informed by the city of XXXX XXXX, XXXX XXXX @ XXXX, XXXX The amount in question is still delinquent and XXXX XXXX @ XXXX XXXX has threatened to put a lean on the house. 

I called Penny mac and they said they had in fact paid, but could not show me any evidence that they did. They simply stated that they did, I asked them to refund me the money and then I would pay myself to avoid the lien. 

They refused claiming without any evidence they had paid.
Product: Money transfers

DO NOT USE MONEYGRAM. I sent XXXX to CA to a friend. I had the transaction go to review on a very time sensitive transfer even though I was told the transaction went through and the money was available. I had to answer 20 minutes of interrogation questions to finally get the transaction approved. This was MoneyGram. I voiced my concerns. My friend had to send the money back and again was told it went through but instead went to review. I found this out when I tried to get the money. I called 3 times, she called twice and was told that the transaction was in review and she had to return to the same Walmart for unknown reason. Worse consumer service I have ever worked with. Suspect they capture a lot of people 's money and never release it.
Product: Credit card or prepaid card

This company is unreal for today 's marketplace : When calling to cancel they say you can by going to activity but it is not true.

It is the worst website, jumps when you go to it, and with all the transactions they are the pitts. 


How do I cancel a payment on CareCredit? 
The easiest way you can cancel your CareCredit Credit Card is by calling customer service at ( XXXX ) XXXX. Alternatively, you can cancel your credit card by mail. You can not cancel your CareCredit Credit Card onlineXXXX XXXX, 2022
Product: Debt collection

During the start of the pandemic of XXXX, I received a call from Honda Finance regarding an auto loan I had with them. The rep proceeded to tell me that I was five months behind on payments when I only got the car in XX/XX/XXXX. Looking at my credit report on XXXX XXXX the payment history is inaccurate originating from Honda themselves. As I continued my original payment schedule, a rep called and attempted to collect {$10000.00} from me to keep the car. When questioned about the error I was told that it was a system error since my last payment made was XX/XX/XXXX which was current at the time of the call. In XXXX the vehicle was stolen by a third party, hired by Honda to recover the vehicle while I was home sleeping. Looking at my XXXX XXXX report today I noticed that Honda is still reporting late payments in regard to the account that was charged off. 

Pursuant to 15 US CODE 1666 ( b ), 15 US CODE 1637 ( a ), 15 US CODE 1692 ( g ), and 15 US CODE 1681 ( c ) 2 this account needs to be removed.
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. 

Account Name : XXXX XXXX XXXXankruptcy Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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: Checking or savings account

I opened an account with XXXX XXXX, ( XXXX XXXX : $ XXXX ) approx.., XX/XX/XXXX with a direct deposit status. 
On, XXXX XXXX, XXXX I was XXXX  in the XXXX XXXX XXXX XXXXXXXX ( XXXX ). Until XX/XX/XXXX. 
I couldn't get into this account until XXXX XXXX, by identification of another match account 's ID verification. 
Upon accessing the account, I discovered multiple fraudulent activities from XX/XX/XXXX, to XX/XX/XXXX. 
On, XXXX XXXX XXXX, I reported these facts and filed a fraud complaint # : XXXX. 
Explaining ( the above ) and present facts : I was XXXX in the XXXX during these transactions. ( having no access to my account ) XXXX XXXX XXXX XXXX  XXXX XXXX can provide verification of my XXXX 
I gave no one authorization or access information to my account. 
Over Approx., {$21000.00} was fraudulently stolen by persons Identified in the transaction activities of the account. 
On XX/XX/XXXX I called for an update and discovered the claim was closed on XX/XX/XXXX, without reason or action. 
I was never contacted for any type of investigation or reason as told on XXXX XXXX, XXXX No investigation was done, nor was I contacted with the actions of closing the complaint. 
No reason was put in the file for closing the complaint after 90 days. 
I was only advised to file a new complaint.
Product: Credit reporting or other personal consumer reports

I am REWRITING to complaint to BSI FINANCIAL SERVICES about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX TWIN XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX. My birthdate is XX/XX/year>. The FTC report numbers related with this complaint XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with XXXX XXXX XXXX Section. XXXX that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX : Dispute of Inaccurate Information on Credit Report To Whom It May Concern, I am writing to dispute inaccurate and incomplete information on my credit report. Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I have the right to request validation and accurate reporting of all items on my credit report. 

Specifically, I dispute the following entry : * Account Name : LVNV FUNDING LLC * Account Number : XXXX * Original Creditor : XXXX XXXXXXXX The collection agency has failed to comply with several consumer protection laws : 1. 12 CFR 1006.34 ( b ) ( 5 ) : The collection agency has not provided the required validation information but has placed a collection on my credit report. This is a clear violation of the validation requirements.

2. 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : I have not been given a proper opportunity to dispute the account as mandated. This lack of opportunity violates my rights to contest the debt.

3. 15 USC 1692e : The collection agency is using false, misleading, or deceptive means to collect this debt, which violates my consumer rights.

4. 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) : The collection agency has no authority to report this debt to consumer reporting agencies without providing all legally required disclosures. They are in clear violation of these statutes.

In light of these violations, I request the immediate removal of this account from my credit report. Enclosed are copies of my credit report with the disputed items highlighted, as well as any relevant correspondence. 

Please conduct an investigation and remove this inaccurate information promptly. According to the FCRA, you are required to respond to my request within 30 days. 
Thank you for your prompt attention to this matter. 

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

Experian has a spouse and I do n't have a spouse. 

XXXX who is this and there not my spouse.
Product: Credit reporting or other personal consumer reports

I have been a long standing customer with a perfect payment record to XXXX XXXX. I received an alert that I had been late on 2 payment occasions. I have been an auto pay customer since I can remember and pride myself on never missing a payment. This has thoroughly affected my credit score as I am trying to purchase a home for my family. I would appreciate if these can be removed and updated to pay in full. Thank you
Product: Debt collection

On XX/XX/2023 I came home and noticed my internet, phone and cable service wasn't working so I contacted XXXX XXXX XXXX I was told it was an outage and it should have been back on in the next 30 minutes. My services were not turned on I was told that everything had been suspended due to no payment I explained to XXXX XXXX that I never received a bill because they allowed all customers to keep there service on due to the pandemic and kids were homeschooling and parents were working from home and I explained to them there company allowed for services to stay so I shouldn't be responsible for the bill and they have been calling harassing me to pay {$2100.00} and they have also put this on my credit report and it doesn't show any late payments or passed due payments so this should not be on my credit reports.