23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

I never requested a benefits card. I prefer direct deposit, but was not offered that option. 

I activated my card, and and immediately transferred a test transfer of {$25.00} to my bank account. That landed the next morning, so I transferred {$5000.00} to my bank account. The next morning I checked on that transfer to find that Money Network had reversed. No explanation was given on the website. I called in and was told that my account, less than 24 hours old, had been flagged for closure by Money Network 's Fraud department. I was told there was suspicious activity, though the rep said that she could not tell me what that suspicious activity was. I asked to speak to her supervisor, then that supervisor 's supervisor, who was finally able to tell me that the fraud department had found my card number on the dark web. 

Now I had had the card less than 24 hours, used it for no purchases, and it had never left my house. The number had to have leaked before I even received the card. The only resolution Money Network offers is to close the account and mail a check, which will arrive in 10-14 days. The balance on my card is almost {$13000.00} and I can not wait 10-14 days to receive that money. But money network refused to allow me to transfer the funds to the bank account I had set up ( in the same name as is on the card ). They also refused to expedite the check delivery, and refused to offer over night service. 

I'm left waiting on my money while Money Network holds it for an extra two weeks, earning interest on it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Academy Mortgage is reporting inaccurate late notations on my credit file. I disputed some lates that were on my credit but Academy Mortgage kept verifying them. I was in forbearance due to Covid, and I was reassured that I would not have any late notations on my credit file. However, there are 3 lates for 2020 and like I said I was under forbearance. I was having a very difficult time because of Covid and the pay cut I took when my employer decided to cut hours. I have been working very hard to make my payments on time but got in forbearance just to be safe. I ask that Academy Mortgage please remove the late notations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to express my extreme frustration regarding the lack of resolution provided for my open investigation under CFPB case number XXXX. 

This case was opened on XX/XX/XXXX, XXXXover 30 days ago now. According to the Fair Credit Reporting Act, credit bureaus are required to conduct a reasonable investigation into consumer disputes within 30 days. 

It has now been well over the legally mandated time period, yet Experian has completely failed to provide any resolution or even an update on this investigation. I have not received any communication regarding the disputed information I initially contacted Experian about. 

This negligent handling of my case has significantly harmed my ability to keep track of my credit report and has caused undue stress. I deserve a prompt resolution, not endless stonewalling. 

Experian needs to delete the debt that is connected to XXXX XXXX XXXX detailed in the original CFPB case number XXXX. 

I hope this can be resolved swiftly and amicably without needing to take formal legal action. Please provide a written response within 7 days that this alleged debt has been deleted from my credit report. I look forward to a timely resolution of this egregiously delayed case.
Product: Mortgage

Wells Fargo Home Mortgage keeps sending me information on a loan modification I did not request. Wells fargo home mortgage keeps advoiding what I have requested. They also send documents that has nothing to do what I have requested. 

No loan modifications documents has been requested.
Product: Credit card

I selected an interest free option to pay back my balance owed for my medical treatment. Synchrony has already charged me interest and it has not been 12 months
Product: Checking or savings account

Randomly charged my account numerous times for fees that went set up when opening account and closed my account afterwards and claimed it as fraud
Product: Credit reporting or other personal consumer reports

I have reached out to the credit bureau TransUnion, XXXX, XXXX On XX/XX/2024 And they have not removed the information, different addresses are still on my report from XXXX, XXXX, and XXXX charges that doesnt belong to me. I am not given these companies more time to figure this out. And they need 60 days to do so. This must be removed and deleted now. I did everything that was asked of me. I keep getting the run around. I came to you and expecting you to enforce the seriousness of this. Its holding up my credit and the ability to due something. I wrote in what was wrong and I provide everything in writing as well. If something is not done I will be suing them. Im connect the Attorney General next. They have exactly 5 more days to remove the negative items on my report and update my personal information. Only one address on all reports to be showing, no previous address whatsoever. This is final
Product: Credit reporting or other personal consumer reports

Complaint Reference Number : XXXX and XXXX Date of Complaint Submission : XX/XX/XXXX and XX/XX/XXXX Date of Complaint Resolution : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Dear CFPB, I am writing to formally address a complaint regarding my credit report and the handling of the dispute by Transunion. I submitted a complaint on XX/XX/XXXX ( reference number : XXXX and XXXX ) concerning inaccurate credit reporting related to XXXX XXXX XXXX ( XXXX ), but my complaint was closed within 24 hours and second one within 9 days, without a thorough investigation or resolution. 
The issue in question pertains to discrepancies in the dates reported by XXXX regarding the purchase of my account. According to XXXX, they claim to have purchased my account around XX/XX/XXXX ( or approximately that date ). However, my credit report states that the account was purchased on XX/XX/XXXXXXXX XXXX XXXX This discrepancy is significant, as it affects the accuracy and completeness of the credit reporting, which is a violation of the Fair Credit Reporting Act ( FCRA ).

Under 15 USC 1681e ( b ), the FCRA requires that all information provided to consumer credit reports must be accurate, complete, and up-to-date. The vague and conflicting information reported by XXXX on my credit report is a direct violation of this requirement. I am entitled to accurate and complete reporting of all account details, and I am concerned that this issue was not properly investigated by XXXX when I raised the complaint also along with it reporting 120 days past due as a debt buyer collection company? 
Given that the account 's reporting is inaccurate and does not meet the requirements of the FCRA, I am requesting that the account be deleted from my credit report as it violates 15 USC 1681e ( b ) for inaccurate and incomplete reporting.

I have attached in PDF form 4 documents showing either date is reporting wrong, or 120 days late. 
I appreciate your prompt attention to this matter and trust that the CFPB will ensure that this issue is resolved in accordance with the law. Please let me know if further documentation or information is required. 
Sincerely, XXXX 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 federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account Name XXXX XXXX XXXX Account Number XXXX 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Debt last reported on credit report on XX/XX/XXXX. 

I have disputed debt of {$440.00} from Choice Recovery Incorporation in the past ( XX/XX/XXXX). No written notification was given 5 days before of said debt before being posted to credit companies. Debt was sold from original company to current debt collector ( violation of my rights ). Once debt was sold to another debt collection agency I am no longer responsible for this debt as this debt was sold off to another agency with whom I did not sign a legal contractual agreement with. 

Personal information was then exchanged from original company to debt collection agency which is a clear violation of my personal information/confidentiality without my consent or knowledge. 

Furthermore, I called Choice Recovery Inc. in XX/XX/XXXX to ask how to get in contact with original creditor : XXXX XXXX XXXX   and they were unable to provide a phone number and state that debt was sold to Choice Recovery Inc. and had no way of pulling up my records. The only thing they could do was see how much was the balance I owed which was {$440.00}.
Product: Debt collection

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of Federal Law. The 3 Credit Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

EDUCATIONAL CRED MGMT XXXX Date Opened XX/XX/2016 Balance : {$0.00} ; EDUCATIONAL CRED MGMT XXXX Date Opened XX/XX/2016 Balance : {$0.00} ; EDUCATIONAL CRED MGMT XXXX Date Opened XX/XX/2016 Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Denied for credit through a report FactorTrust provided. Reason given was that its derogatory information, but I havent had a late payment in well over a year & this reporting is defamatory
Product: Credit reporting, credit repair services, or other personal consumer reports

The equifax data breach is the most egregious in US history affecting more than half of the country. I first read about this breach in the news, went to the equifax website to see if I was affected -- which I was -- and then afterwards see reports that simply checking this information may make me ineligible to collect damages!? This is simply evil! And then to hear equifax executives knew of the breach **for a month** before acting, giving them time to cash out their stock? Outrageous!!
The US federal government **must** act in severely punishing those involved and preventing this situation from ever happening again. Equifax should be completely dissolved as a company. This data breach is in clear violation of both the Fair Credit Reporting and the Financial Monetization Acts, and as a consumer I fully expect swift justice.
Product: Debt collection

XXXX XXXX XXXX has refused to supply any proof of any kind except to deliver a standard letter that the matter is under litigation. As a result of their unaudited practices ( nationwide ) by state and federal regulators, XXXX XXXX XXXX has filed and won ( mostly by default judgment ) hundreds of court cases here the XXXX Texas region with the aid of Scott & Associates , PC. Soon, those judgments will materialize in garnishment of peoples income and/or a lien on their bank account - unbeknownst to them right now during a Pandemic. 
PLEASE ACT AGAINST THESE COMPANIES.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed this fraudulent activity on my credit report XX/XX/XXXX. Once I reviewed my credit report I reached out to XXXX and XXXX and they stated that the charges was dated for XX/XX/XXXX in the amount of {$2200.00}. I informed them that I did not go to a hospital or seek any major medical attention that year. 

Original Creditor : XXXX XXXX XXXX Creditor Info : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX
Product: Mortgage

I have contact ed Caliber Home Lo ans multiple times regarding an incorrrect balance increase they reported to the credit bureau and an increase in my escrow account because of an error of their end for the amount they set my escrow account at and also then paying the e ntire 2016 propert y tax amount when I did n't close on the home until  XXXX   2016. Ea ch time a representative assured me they will find the problem and contact me back. I was never contacted back so I started asking for a supervisor. A supervisor returns my call and assured me she would correct my problems and close my escrow account. I never heard back from her again. I started calling again. Exact same recourse. Another supervisor contacted me and the same spill. Never heard back from her again. My credit is still lower and they are charging me over {$150.00} a month extra each month and wo n't return my call or fix tne issues.     I have documented emails from differ ent Caliber representati ves and there is a customer survey that should be on file of all problems and errors I experienced at closing prior to this new issue. All phones calls were recorded so every minute of this should be documente d. Caliber has  spent my escrow account in error and now charging me more money, lowered my  credit score for a n incorrect balance increase and will not return an email, or phone call. Each new person says enough to get off the phone then ignores me and does not do what they assure me they will do. One representative even disclosed they do n't even have my proper uodat d closing documents on file that they messed up multiple times at my closing when we tr aveled 3 h ours for closing to almost not be given the keys to our new home. My next step will be obtaining legal counsel if this is not resolved and I 'm mislead once more about this being handled.
Product: Credit card

This account represent a clear breach of contract and are fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The accounts are : CAPITAL ONE XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My information is wrong, social security to start
Product: Debt collection

XX/XX/2016 I went to take my nephew to the hospital about a out of place shoulder dislocation and he was not treated or touched the entire time and I have witness that he was not give any type of treatment or service. I am being charged {$480.00} XXXX XXXX XXXX and {$560.00} XXXX XXXX XXXX XXXX  XXXX. I sent a validation letter to see what is on my credit and list of what services I supposedly received and they violated by sending my information to a company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a credit report with IdentityIQ on XX/XX/2023. After receiving a copy of my report, I saw these UNVERIFIABLE accounts on my personal profile. I believe they have failed to authenticate these accounts. I included this in my last complaint and hoping that these accounts lates will be removed. 
XXXX XXXX XXXX Balance : {$30000.00}, XXXX XXXX XXXX XXXX : {$2200.00}, XXXX XXXX Balance : {$600.00}
Product: Payday loan, title loan, or personal loan

I thought the interest is XXXX percentage it's XXXX percentage
Product: Credit card or prepaid card

On Monday, XX/XX/2019 I noticed a series of fraudulent transactions on my CapitalOne credit card. I immediately contacted the CapitalOne fraud department via phone, reported fraudulent transactions, and identified the legitimate transactions. The bank re-issued a card. 

Today, on XX/XX/XXXX, it was brought to my attention by XXXX that a donation that I made via XXXX was one of the transactions that my bank marked as fraudulent. I called the bank, and asked them to cancel the dispute. I even asked them to listen to the recording they made of the original call where I explicitly identified the XXXX transaction as legitimate. The CapitalOne refused, saying that they can not " change the process ''. As result, my XXXX account is frozen, and the status of my donation is unclear.
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 federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXXXXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, WORLD FINANCE CORPORAT XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights 15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( A ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years, 15 U.S.C 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint that XXXX XXXX is in violation of the law. I find that XXXX XXXX is in violation of 15 U.S. Code 1692g - Validation of debts : ( a ) Notice of debt ; Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; XXXX XXXX  XXXX is illegally reporting on my consumer credit report alleging that I owe them money for a loan. I have never consented to do business with this entity, signed any loan documents with them, or granted them permissible purpose to obtain my personal information let alone furnish it on my consumer report. I demanded that XXXX XXXX validate the alleged debt they are reporting on my consumer report and they failed to comply with any sections of 15 U.S. Code 1692g. 
XXXX XXXX is willfully reporting misleading and inaccurate information. They responded to my request with : all credit reporting is valid and accurate along with we do not offer courtesy credit reporting retractions. This is unacceptable and unlawful as this does not validate any debt. I am very concerned and damaged by their actions. I am seeking legal counsel and would like to file a formal complaint.
Product: Debt collection

Peterson Enterprises Inc has repeatedly called and shown up at my property attempting to serve me for a debt that was paid. I paid it using certified mail having all the proper documentation. I will be moving forward and opening a lawsuit against them. 

The company called me XX/XX/XXXX after showing up on my property twice, asking if I would meet with them to be served for an already paid debt. On XX/XX/XXXX i went over all documentation advising the debt was paid. Then again for the third attempt the collector came to my property XX/XX/XXXX again attempting to collect and telephonically harassed my husband via his phone XX/XX/XXXX after already making telephone communication with me XX/XX/XXXX twice that day. 

I have cameras on my property and have detailed logs of the payment and each telephone conversation.
Product: Credit card or prepaid card

My son use our citibank credit card for two transactions, one for {$14.00} and one for {$18.00} or a total of {$32.00}. Citibank charged a {$20.00} fee and a {$0.00} interest resulting in {$20.00} on {$32.00}. That's a 62 % interest rate for a month or 33,676 % interest rate annually. I can'be believe there are no laws against this or required warnings. 

I don't expect any action, but would like to register the complain so perhaps it comes to the attention of someone that this kind of usury really should be outlawed.
Product: Debt collection

After checking My credit report in mid 2018, I noticed that convergent outsourcing had a negative mark on my credit report for a XXXX cell phone bill. Convergent never initiated contact with me either by phone email or regular postal mail. After checking my credit file I spoke to convergent outsourcing. They told me That as long as I paid the bill in full by a certain date that all negative marks on or credit reporting agency credit files will be completely deleted. They deleted the file from one credit reporting agency credit file, however they failed to delete from the others.