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

Hi 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 Transfer 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 card

I am confused. I had to pay my XXXX payment twice to you guys and now you want me to pay XXXX in three days. What is going on? I need someone to call him. 

Also XXXX XXXX dispute, he has not paid me. I want to continue with the dispute .I also not the leasing contract as proof.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX  # XXXX Account Name : XXXXXXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXXXXXX XXXX XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/year> XXXX  XXXXXXXX XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXXXXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX  XXXX XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XXXXXXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>
Product: Debt collection

I was a victim of identity theft twice during the time frame this supposed rental unit was rented. National credit services nor the apartment complex can provide me validation of the debt and evidence that it was me who rented the unit. I have filed XXXX FTC complaints which have also been provided to all parties. I can't be in Michigan and Nevada and New Jersey at the same time.
Product: Money transfer, virtual currency, or money service

This has been an ongoing issue with Venmo. They were funds deposited into my Venmo account from car insurance settlement. My Venmo account experienced fraud and the charges were disputed and a balance of {$4000.00} was on my Venmo account. It was unable to be transferred electronically either to my debit card or checking account. I requested in XXXX to have the account closed and a check issued. This was supposedly done. I made a complaint that time and was advised of the details information regarding everything that happened on the account. I was assured that a check would be issued or was issued. I should say After 4 1/2 weeks no check up again making a complaint to the cpfb I received the respond from the executive office. At that time, I was told that in fact, the check had not going out and that they had spoken to the individuals at Venmo and advised a check was sent. My initial complaint was filed through my brother XXXX XXXX, who received a response back that of course they can not help him because he was not the customer of record. Well, a check did arrive about 10 days later and XXXX and behold. It was made out to XXXX XXXX. it is impossible for me to cash or deposit this check, my brother is unavailable as he is at XXXX XXXX in basic training now. I even set up a PayPal account and try to cash it through them and have it added to my PayPal account. I offered either for immediate cashing or 10 day wait. In both instances, the check was denied. How can PayPal not honor a check that they wrote. It is incredibly frustrating incredibly unbelievable and completely. Unacceptable.
Product: Credit card or prepaid card

Bread Financial XXXX Comenity Bank has been unable to accept payments or balance and statement requests through their online website since approximately XX/XX/2022 due to an outage from a planned upgrade. The provider has been making claims on social media that other avenues to make payments and check balances are available, however, this has not been my experience. Second to that, the provider has attempted to deflect attention by claiming this was a planned outage and when confronted with questions regarding whether or not this was ransomware, they have vehemently denied. Financial institutions are required to notify consumers of planned outages, are required to perform regular backups of systems so that outages are temporary transient events not weeks long, and submit notification within XXXX hours of any cyber events to federal regulators. None of these steps have occurred, and consumers have been left with cards they can not pay and vague assurances from Bread Financial on social media that their credit scores wont be impacted negatively. To date, no formal notification of the outage, presumed XXXX, or steps consumers can take has occurred, which would be expected in the case of a ransomware attack, as Bread Financial has no ability to roll back ( depending on when the intrusion occurred ), or access their systems to provide notification.
Product: Credit card or prepaid card

On XX/XX/XXXX, I received a credit card in the mail from U.S.BankReliacard.com. 

The card was issued to XXXX XXXX, my former name prior to my marriage 5-1/2 yrs ago. I have never banked with U.S. Bank or requested this card. 

How can this happen?
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax was hacked and allowed all my personal information to be stolen. I have had to place credit freezes on all my Credit Reports from all 4 agencies. I am now a victim of identity theft. I can not believe that Equifax is still in business ... ..XXXX XXXX Americans were hacked in something that could have been prevented but their incompetence has allowed XXXX XXXX Americans to be victims - This is unacceptable and not only should the heads of that company be held legally responsible but the company should be forced into closure.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave XXXX written consent to any XXXX party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : XXXX XXXX XXXX XXXX XXXX XXXX And XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XXXX XXXX XXXX Late Payment from XXXX  XXXX XXXX  Late Payment from XXXX XXXX Chapter XXXX Bankruptcy I sent a letter to the CRAs disputing fraudulent accounts as on XX/XX/XXXX and mailed them certified. It is now XX/XX/XXXX and I have not received a response from the CRAs. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), it is plainly stated you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per undeleted item.
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 accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXXXXXX XXXX Balance : {$130.00} CXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$83.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm submitting another complant because my disputes aren't being verified and researched. I've submited several dispute each time with proof and more and more proof each time. Each time they respond back with a default response stating a verification back in XX/XX/XXXX of this year. I have since then provided more information and screenshots of my credit report. They refuse to look into the dispute and just immediately close it stating they already researched the matter. I do not want my results online. I refuse online dispute results. please submit all results in writing. 

I'm writing in regards to several XXXX  XXXX accounts listed below : XXXX XXXX XXXX XXXX First and foremost I would like for them to verify each account. They keep saying things are verified without showing any proof of verification. I'm requesting to see the application or the signed contract of each account listed above, because they are not reporting correctly on my report and until I can see this information nothing has been verified. I'm not requesting a blanket statement of " Verifed each account on XX/XX/XXXX '' I would also like to know who performed this verification on XX/XX/XXXX. What kis there employee number? Who performed the verification at XXXX  XXXX? What is there employee number? How was this information verified? From the looks of it, it appears that it was verified by copying and pasting a default response. What was your verification method? KI would like to see your method of verification and what was sent to XXXX  XXXX to verify this information. 

I do not want my results online. I refuse online dispute results. Please submit all results in writing. 

I'm attaching the following documents : -my previous CFPB complaints with responses from the credit bureau . 
-- CFPB Complaint - XXXX-XXXX  -- CFPB Complaint - XXXX-XXXX  -- CFPB Complaint - XXXX-XXXX  -Screenshots of my credit report showing these accounts only exist in Experian credit report. 
-The XX/XX/XXXX investigation -- Report Number - XXXX-XXXX-XXXX  I'm requesting from the Credit Bureau -Verification method - How was the accounts listed above verified? 
-Signed application or contract of the individual accounts above -Who verified these accounts from both the credit bureau and XXXX XXXX. Employee numbers? 

I do not want my results online. I refuse online dispute results. Please submit all requested information in writing.
Product: Credit reporting, credit repair services, or other personal consumer reports

A new and presumably duplicate entry for the account " XXXX XXXX  XXXX XXXX XXXX '' was entered onto my Equifax bureau report. My credit score dropped 17 points as a result. I tried calling Equifax and could not get this adjusted. Last month I had the same issue ( duplicate entry ) with XXXX XXXX. It is hard enough to keep my credit rating positive without erroneous entries. The two account numbers on the account aren't even the same - does the " new '' entry belong to someone else? This is extremely frustrating as Equifax is now reporting clearly unverified information, something they assure consumers they will not do. Please delete duplicate entries.
Product: Mortgage

The company change my payment after refusing the modification in XX/XX/XXXX the equity loan original started with XXXX XXXX XXXX and then it was transferred to nationstar in XXXX. The original loan equity was in XXXX for 20 years can the company change your payment with 5yrs left on the equity loan I don't think so but they yes without explanation ... 
Hope you can help Not only this time of year again I only ask if they can help after in XX/XX/XXXX I came to know I have XXXX. 
And this is the help from the company
Product: Payday loan, title loan, or personal loan

Speedy Cash of KS Missouri and XXXX XXXX have decided that though I never gave ANYONE authorization to use my debit card, I have been charged XXXX for an account that I dont nor never had. After trying for one week to get through to XXXX XXXX to reverse the charges, reissue my card and file a formal complaint after 6 weeks they send me a letter telling me that Speed Cash presented them with documentation that I authorized this payment. Whatever they presented had to be fraudulent as I have never given anyone authorization to take XXXX from my meager SSI account. How can I get my money back and make sure this does not happen to me again. Speedy Cash stated that since it was done online, they did not need authorization and refused to return my money. Now, they have docs that say I authorized!! this is straight up fraud. I want them to present to me or an attorney this documentation. Whether it was my sister, son or brother that took my card and used it, it was not authorized. I have had to borrow money to buy groceries, do laundry and other expenses. I start XXXX with XXXX in the hole. How can they get away with this? PLease help me!!
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : XXXX XXXX XXXX Account Number:XXXX Date of Charge-Off : XX/XX/year> It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 
Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score. Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper.

I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections.

Thank you for your prompt attention to this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to my bank to get a loan to help my grandma and they did not approve me. I looked at my credit and I see some things on there that is not mine XXXX XXXX XXXX, XXXX XXXX. Please help me with getting these items removed. I have contacted the FTC and local police.
Product: Debt collection

I received a letter in the mail to settle with Portfolio Recovery. The letter states that if I paid the settlement amount that the balance would be removed in full from my credit report. I sent a money order for option one on the mailed settlement letter and the amount was delivered by the date they stated, which I have tracking and a receipt from the post office showing. They also show that they did receive the payment. Instead of making the balance {$0.00}, they only subtracted the amount that I sent them. My credit report states that I have another late payment with them and that I still owe them {$810.00}. I should not owe them anything since I sent the amount to settle in the time frame that they required to settle with a one time payment. When I contacted the company they requested all of my information and tried to get me to give them my bank card information and access to my entire credit report. They would not discuss the amount owed on my account and when I asked to speak to a supervisor they told me they would call me back in a couple of days. The lady on the phone repeatedly spoke over me, said I was the one speaking over her and asked me if I realized it was Saturday when I questioned why I could not speak to someone other than her. It seems like it would not be legal to mail paperwork to settle and then when the company receives the settlement that the company mailed to you, that they do not honor what they sent you.
Product: Mortgage

I received a call today from XXXX at DITECH on Thursday, XXXX XXXX, 2016 that my XXXX XXXX, 2016 payment had not been received. I checked with my bank and verified that the automatic payment was sent and the funds were deducted from my account on XXXX XXXX, 2016 the same way that it had been done for years. I told XXXX that I could have my bank contact her. She suggested that I make the payment again while they " tried to find the original payment ''. I talked to her supervisor, XXXX XXXX, and he said that they would track the original payment and contact me within " XXXX hours ''. No one contacted me. So I called on, XXXX XXXX, 2016 at XXXX and they said that they would have to have XXXX call me back. I waited the entire day and she did not call. So at XXXX, I called for XXXX and I was curtly told to hold for her. I waited ten minutes with dead silence and no one responded. I called back at XXXX and the auto message said that there is no one there to help me. On XXXX XXXX, 2016 I spoke to a customer service supervisor, XXXX XXXX. He said that after they had changed all of the account numbers and that it was " a mess ''. But, he promised that my payment would be properly credited by XXXX XXXX, 2016. He also promised to reverse the late charge and to send me an email telling me what had happened. I checked on XXXX XXXX, 2016 and nothing had been done. On XXXX XXXX, 2016 I left a voice mail message for XXXX XXXX. No response. On XXXX XXXX, 2016 I left another voice mail message. No response. Today I received a call from XXXX in the collections department that my XXXX XXXX, 2016 payment was past due. I told her about everything that had happened. She said that she would check into it. Her contact number is XXXX XXXX XXXX. I have also received a collections letter and a statement indicating the past due amount and the late charge.
Product: Credit reporting or other personal consumer reports

Hello XXXX, Trans Union and XXXX keep sending me stall letters every time I send them dispute letters. I have sent about XXXX dispute letters regarding inaccurate information. They either respond with stall letters or they send back investigation results stating accounts have been verified. They are not telling me how they have been verified. 
I need an investigation because I still see inaccurate dates, balance, incorrect and incomplete information on my report. They are not doing their due diligence in making sure everything is 100 % accurate. They are violating the FCRA laws
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition I did not give Transunion permission to furnish this information onto my credit report. This is a violation of the credit reporting act section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights. I formally request that these inquires be immediately deleted from the credit file you maintain under my social security number. 
XXXX # XXXX XXXX XXXX  opened XXXX {$30000.00} XXXX # XXXX XXXX XXXX XXXX opened XXXX {$370.00} XXXX # XXXX XXXXXXXX XXXX  opened XXXX {$23000.00}
Product: Debt collection

I filed a Identity theft report and sent it to company and XXXX credit bureau. ACCT. # XXXX. AMOUNT IS FOR {$1100.00} from XXXX XXXX being collected by Credence Reasource Mgt.
Product: Debt collection

The Collection Service of Nevada is using the court system,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  and local law enforcement  XXXX   XXXX   ( fi le  XXXX  ) to steal money from me. Please see attached documents -  (  paycheck stubs, etc. ) In  XXXX  Garnishment {$1500.00} -  Collection Service  reports only {$1100.00} received and is now  XXXX ,  XXXX  trying to garnish wages for same judgment in the amount of {$1600.00} - Please do something!
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, XXXX, XXXX XXXX These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 


Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through Transunion, XXXX, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX