23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I called Capital One on XXXX XXXX, 2015 about a bank error resulting in my account being rebilled in error for {$1000.00} on XXXX XXXX, 2015. I was transferred to the dispute department and spoke to XXXX. He confirmed it was a bank error and told me he would resolve the issue one the same day by issuing me a credit. 
After waiting on hold and being disconnected once, XXXX transferred me to his supervisor XXXX ( Agent ID XXXX ). XXXX told me that she would not resolve my issue, but would forward it to a department that could. She stated that it would take 30 days for me to receive a credit for the error. XXXX stated she was unable to issue a credit for the mistake or to send me a message or email confirming that the issue would be resolved. 
I also wrote a secure message to Capital One on XXXX XXXX, 2015 requesting resolution to the error, and received a generic reply on XXXX XXXX, 2015 referring me to a telephone number for the disputes department. 
I called Capital One again on XXXX XXXX, 2015. I was transferred to the dispute department and spoke to XXXX. She told me again that it would take 30 days to get a credit, and stated she could not provide a message or email confirming that the issue would be resolved. 
I closed my credit card account with Capital One at this point and paid off the remaining balance minus the {$1000.00} rebilled by Capital One to my account in error. 
I am very disappointed that this error occurred, and dismayed at Capital Ones refusal to immediately correct the error. I am sure that if the error were made in my favor, they would take quick action to remedy the situation. 
Here is a list of the transactions related to the original charge and culminating in the charge made in error. 
XXXX/XXXX/2015, XXXX XXXX XXXX, {$1000.00} billedXXXX, Contested Charge, {$1000.00} creditedXXXX, Charge Refunded by Merchant, {$1000.00} XXXX, Credit Rebilled, {$1000.00} billedXXXX, Credit Rebilled Again, {$1000.00} billed
Product: Debt collection

I have repeated asked the Debtor to provide proof ( by way of the original bill ) of this debt - both on my own and through your agency. The collection company has put this collection on my credit report without verifying to me that it is a debt. That was a ludicrous move because they were far likely to get paid ( if the bill is even legitimate ) had the only reported IF I did n't pay. Now, regardless of the outcome, what is the incentive - it is still on my credit. I read complaint after complaint about these people and there is no one that does anything about it. Shame on everyone involved. Putting this bill, without an proof, on a credit report for a alleged bill I owe back to 2009 is extortion. Shame!!
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute unauthorized hard inquiries listed on my credit report. These inquiries were not initiated, approved, or consented to by me, and they violate my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 



The inquiries in question are as follows : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

XXXX report was updated by removing the incorrectly reported XX/XX/2022 payment to current but now the creditor is reporting the XX/XX/2022 payment incorrect despite sending a letter stating that my loan has never been late which it has not been late.
Product: Checking or savings account

On XX/XX/2018 I went into BBVA Compass Bank to inquire about a 2nd chance Checking account. I had just come from the XXXX SSA branch receiving a SSI payment in the form of a check. I handed the Sr. Sales person that check endorsed, though prior to her getting up to go to a teller, she did not reveal that there would be a 5 business day hold on any new account prior to depositing the opening deposit check. When she came back, she informed me of that policy, and I said that I needed access today to the funds, as ND she asked if I wanted to " retract '' the deposit, and I stated yes. She went back to the teller, came back with a piece of paper, asking how much money do I need. I can't really know for 5 business days, but stated {$300.00}. Not once did anybody notify me of that " hold '' being overridden. I was never heard I guess, for once a owner of the account makes a decision, who has the authority to " over-rule '' the account holders decision? I never asked after my statement " retract the deposit '' for cash or anything else. I, XXXX XXXX XXXX XXXX own the account, not BBVA COMPASS!! IT IS MY DRIVER 'S LICENSE, MY ADDRESS, MY PHONE NUMBER, MY SOCIAL SECURITY NUMBER, NOT ANYBODY ELSE 'S, WHICH MEANS I OWN THE ACCOUNT.. 

I EXPECT THE CFPB NOT ONLY TO INVESTIGATE THIS MATTER, BUT ALSO ALLOW THIS I TO COURT FOR LEGAL ACTION AGAINST BBVA COMPASS BANK! 
I EXPECT THE CFPB TO TAKE ACTION AGAINST BBVA COMPASS 'S BUSINESS LICENSE.
Product: Debt collection

I've had numerous calls in the last 3 months from this number. They have my name, and say they are trying to collect a debt for a university I've never heard of.
Product: Checking or savings account

I bank with Chase and deposited over one-thousand dollars into one of their ATMs, but the machine malfunctioned and kept my cash but did not credit my account. I remained at the ATM as I called customer service. They opened a claim and said they'd be in touch when the investigationwas completed. I received an email this morning stating that they closed the investigationand determined that there were no issues with the ATM reported ; I was owed no money. When I called them about the response, they refused to investigate further. When I requested records on who, how, and when the research was conducted and completed, they said I would have to subpoenathat information. 
I was patient and understanding, considering that I'm not a wealthy man, and that was all the funds I had at the time. I went a few days without food, so I would have money for gas and wouldn't have to miss work. Now a multi-trillion dollar company, the fifth largest bank in the world, has taken XXXX dollars from me and refused to correct their mistake. I'm upset by this situation and the hardship and theircallous disregard for the unnecessary burden they've placed on my livelihood. 

They refuse to take additional action unless I have something that proves I was at the ATM, despite the fact that, their system shows me there. I asked them to Check the ATM camera to provide that I was there. They would see me inserting my card, selecting deposit, inserting the cash, and waiting. I stayed at the atm for about thirty minutes as I called to fill out the claim. I have tried to find an attorney that could help with subpoenas but so far consumer law practitioners are hard to find. 

If I expected there to be a problem, naturally I would have kept proof, but I never thought that this would happen. I can prove I received my paycheck that day, and cashed it at XXXX, I can prove I when straight from XXXX to the atm and reminded at that ATM until the claim was filed. I don't know what else to do. I need that money but Chase has made it clear they will not be investigating further. Please help me.
Product: Prepaid card

I received a {$500.00} AMEX gift card from my employer and I put it aside for a big purchase and then misplaced it for a while. The expiration date on the card of XX/XX/year> so it should be usable as the funds never expire. I called the number on the back of the card and asked them about my balance and why I was unable to use the card. I was told that the funds were considered unclaimed property and it was turned over to the state. I assume it went to Massachusetts because that's where I live. The card is not in my name because its a gift card and I'm not sure how to get the money. It should have never been sent to the state in the first place. 

Thank you for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized inquires are on my report from   XXXX   XXXX   XXXX   XXXX   for the dates of  XX/XX/XXXX  and  XX/XX/XXXX . I have reported this to   XXXX   XXXX   directly numerous times by phone and mail. I have also disputed the items with all   XXXX   credit bureaus. These items were not authorized by me and should NOT be reported.
Product: Credit reporting or other personal consumer reports

I have carefully reviewed my credit report in TRANSUNION. I have been turned down for a credit due to misreporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that 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  Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Checking or savings account

I had an account with Wells Fargo bank in Virginia. The account was joint account between me and my son who was underage at the time we opened the account ( he is an adult now ). My son was a victim of a scam. The party that scammed him sent him a check for {$10000.00}. Date of the check XX/XX/XXXX. The check is very clearly a bad check, with no signatures of any sort in the check. Any person who looks at the check can tell that its not legitimate. I will attach a copy of the check. However, the bank deposited the check with no effort to verify its legitimacy. And showed that the fund is available. The bank allowed my son to cash out {$10000.00} without any notification to me, without verifying the availability of the fund ( needless to say no history of that account with huge transactions ). Few days later, they found that the check was a fraud, put the account in negative and asked me to pay the balance. I strongly feel that the bank is enabling fraud and didnt provide any protection whatsoever to my account. When I looked closely at the account, I also feel that the bank is taking part of what is clearly money laundering operation. I spoke with the branch manger multiple times with no solutions. I contacted the corporation and filed a complaint number XXXX on XX/XX/XXXX. With no response from the bank as of today except for acknowledging the complaint. I did pay the balance and close the account after the manager threatened me. I strongly feel that the bank need to be investigated as they seem to enable fraud, enable money laundering and not providing any protection to me as a customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon learning of the Equifax breach I placed a credit freeze on my account for myself and my wife. This was relatively easy for XXXX XXXX XXXX, Equifax was very cumbersome for my and could not be activated for my wife 's. I guess my biggest question is why must a consumer be burdened with contacting the 3 bureaus independently? Why ca n't there be a one stop  method for initiating the freeze?
Product: Mortgage

I am trying to looking for lending information for a mortgage company, XXXX XXXX, ( XXXX XXXX XXXX/ ), to help make a mortgage application decision. 

I went to CFPB Home Mortgage Disclosure Act Mortgage data to look up this company. However, the last mortgage origination I can find is in XX/XX/XXXX. There seems to be no mortgage origination from this company after XX/XX/XXXX. And I find that there were several lawsuits filed again that company.

It is very important to know the company 's lending history before making a decision. I do not know if this company actually did not originate any mortgage from XX/XX/XXXXto XX/XX/XXXX. Or they reported under another name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
Those accounts are resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ]
Product: Credit reporting or other personal consumer reports

I am exercising my right to have this issue investigated and disputed as these accounts are incorrectly reported on my credit file. According to the Fair Credit Report Act, I should receive {$1000.00} for each erroneous report on my credit file. I am aware that FCRA 605B mandates reporting any incorrect accounts on a consumer 's report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT. SOMEONE HAS STOLEN MY IDENTITY. THESE ACCOUNTS ARE FRAUDULENT.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

Experian 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 systematic issues such as evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of disputed outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

Im requesting your support to address this incorrect account reported on my credit report. It has harmed my reputation as a customer, and I need your help. This account should be removed, as it is inaccurately and negatively reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

i disputed incorrect items on my credit report and its past 30 days and i havent recieved and results from this investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint on this site before. Complaint # : XXXX. 

I received a response from the credit bureaus regarding the account that does not belong to me. I need assistance in having this account removed. 

They updated the information on the account, but I would like to receive a copy of the documents they received from the creditor to update the information on my credit report. 

Attached you'll find my Drivers 's License & Proof of Address.
Product: Credit reporting or other personal consumer reports

I did not authorize or recognize the following inquiries on my credit 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 XXXXXX/XX/year>
Product: Debt collection

This matter pertains to my company XXXX XXXX XXXX of which I am XXXX XXXX and XXXX. Our bank statement shows that on XX/XX/XXXX we executed a Wire Transfer payment to " Scratch Services LLC XXXX XXXX XXXX XXXX '' in the amount of {$290000.00} to pay off in full our XXXX Business Loan # XXXX. The payment included {$290000.00} principal and of {$240.00} accrued interest. We don't understand why the payment was never credited to our loan account and why Scratch continued to charge us interest payments on this loan until XXXX refinanced it as part of a consolidation of all our outstanding loans on XXXX XX/XX/XXXX, As the result, we have ended up having to repay this loan twice. We are trying to understand what happened to our XX/XX/XXXX payment and why Scratch didn't credit it to our account. We wrote to Scratch and asked them to look into their internal records and give us more information, as it is difficult now to obtain any information out of XXXX which went bankrupt following our payment to Scratch. Scratch sent the following, unsatisfactory reply to our query : XXXX ( Scratch Borrower Operations ) XXXX XXXX, XXXX, XXXX XXXX Hello XXXX XXXX We understand that this may be an inconvenience, but effective XX/XX/XXXX, XXXX  is your loan servicer. XXXX is also the current owner of your loan. XXXX XXXX is unable to assist at this time. 

How can I contact XXXX? 

You may contact XXXX claims agent XXXX at ( XXXX ) XXXX ( XXXX ) or ( XXXX ) XXXX ( XXXX ), email XXXX, or visit their website at XXXX XXXX XXXX 

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

This is my second complaint against Equifax for doing the exact same thing twice. The first time I complained to the cfpb about them retaliating against me for complaining to them and fileing a dispute against a collection agency. The first time Equifax dropped my credit score by XXXX points because I dared question Equifax about their business practices and I felt they were retaliating against me for questioning them. On XX/XX/2018 I filed a dispute against the same creditor. On XX/XX/2018 my credit score dropped by XXXX points again. I know Equifax will make up some excuse for doing this to me again. But it has become very clear that " Retaliation '' seems to be a common practice at Equifax. There is no reason for my credit score to drop XXXX points again when in all actuality my credit score should be improving and the other two credit reporting agencies both show my credit score improving. I have printed copies of my credit score from the other two agencies and they both show my score going up by XXXX points, only Equifax shows my score going down by XXXX points. Equifax who has alot of control over peoples finances should not be allowed to ruin peoples lives financially, especially when they are doing it in retalliation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered quite by accident by reviewing our credit reports that the credit score dropped from XXXX to XXXX or 78 points. The reason provided was that our mortgage company reported an increase in the balance owed of {$2000.00}. Of course I immediately contacted XXXX XXXX  ( this is a VA guaranteed loan ) who stated that they had made a mistake that our status should be in " Forbearance '' pursuant to the Cocid-19 Cares Act. Which in essence pauses everything for up to 180 days. They confirmed that they had my request in writing and was immediately making the change in their records. I asked them to rescind or correct the derogatory information that they provided to the credit bureaus. They said they would do so. It is now XX/XX/2020 and after at least three follow up calls I still have not received a requested confirming e-mail to that affect nor a correction of the credit reports. 

Simply stated we should be protected by the Cares Act while we are in Forbearance status. They can't change the terms of the note, trust deed etc. without having both parties agree in writing.
Product: Debt collection

Received a odd collection saying I owed XXXX from our local XXXX XXXX from XXXX! I requested an itemized bill. What I received back was a very vague bill from another 3 party collector. I went to the XXXX in question they have zero records of this. They said dates are wrong no insurance is noted and there is no doctor name. They said it looks like I'm being billed for a visit from XXXX during XXXX  for the full amount not what insurance paid. Everything on it was not credible do not pay it. There is no record for this amount and no record of me attending on this day
Product: Debt collection

Franklin collections is trying to collect a debt for XXXX which is not my account. It is fraudulent account! 
It appeared on my credit report as a collections I have disputed it through the creditor but have heard nothing back.
Product: Money transfer, virtual currency, or money service

I recieved a letter saying I have until XX/XX/year> to cash a check I didn't recieve i emailed my current DL and info to have a check reissued before the void date. And how much is the check for??
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX US DEPT ED XXXX Balance Owed : {$1000.00} US DEPT ED XXXX Balance Owed : {$280.00} US DEPT ED XXXX Balance Owed : {$2000.00} US DEPT ED XXXX Balance Owed : {$4900.00} US DEPT ED XXXX Balance Owed : {$2000.00} US DEPT ED XXXX Balance Owed : {$10000.00} US DEPT ED XXXX Balance Owed : {$3100.00} US DEPT ED XXXX Balance Owed : {$4000.00} US DEPT ED XXXX Balance Owed : {$3100.00} US DEPT ED XXXX Balance Owed : {$5200.00} US DEPT ED XXXX Balance Owed : {$7500.00} US DEPT ED XXXX Balance Owed : {$8800.00} US DEPT ED XXXX Balance Owed : {$2500.00} US DEPT ED XXXX Balance Owed : {$6400.00} US DEPT ED XXXX Balance Owed : {$2500.00} XXXX XXXX XXXX Balance Owed : {$420.00} XXXX # XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that CREDIT BUREAUS are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that EXPERIAN< XXXX and XXXX decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. Please remove the listed items below : XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX Balance Owed : {$4800.00} XXXX  XXXX Balance Owed : {$5500.00} XXXX XXXX XXXX Balance Owed : {$210.00} XXXX XXXX Balance Owed : {$4800.00} XXXX  XXXX Balance Owed : {$5500.00} XXXX  XXXX XXXX Balance Owed : {$570.00} XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX/XXXX Inquiry Date XX/XX/XXXX