23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018, i received a copy of my credit report and I found several errors on my credit along with several inaccuracies which i've sent letters out asking them to be deleted/corrected/updated from my credit report. Until this date ( XX/XX/XXXX ), I'm actually surprised to find out that i've attempted to dispute several items with multiple inaccuracies with the 3 major credit bureaus ( XXXX, XXXX, and Experian ), and they haven't resolved the issue or even replied to my request.
Product: Bank account or service

I canceled a transaction with Paypal and they did n't fully cancel the transaction. On XXXX XXXX I sent money to my wife using Paypal and canceled the transaction within 5 minutes. Paypal did n't cancel the withdrawal from my bank account. They allowed the money to be withdrawn from the bank and deposited the money into Paypal. A cancelled transaction should go back to the original state with the funds remaining in the bank not at Paypal. This is wrong and cost me XXXX dollars in overdraft fees! The transaction ID is XXXX.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, I had a wire in the amount of {$86000.00} sent from my local Chase branch to a XXXX XXXX in XXXX. The wire never got there. The money had to go through XXXX XXXX in XXXX XXXX and the XXXX XXXX in the XXXX. Through tracking I found that XXXX XXXX never received the " Cover Funds '' but had received the instructions. The funds were finally byreturned to my account on XX/XX/2022. More than a month after they were sent. I have been asking for details about where my money was and only get the response that the money has been returned to my account. I want to know who had it for over a month. If Chase sent it to XXXX and XXXX never received it, it seems that XXXX had my money for a month and I want to know why.
Product: Debt collection

Regal Credit, I was in a financial hardship and company basically tried to threaten me with law suit to garnish my credit. Wants me to pay lawyer court fees and interest and we never went to court.
Product: Debt collection

XXXX XXXX XXXX # : XXXX Certified Mail Receipt XXXX XXXX XXXX XXXX XXXX XXXX I disputed alleged debt on XX/XX/XXXX Certified Mail Receipt- XXXX XXXX XXXX XXXX XXXX XXXX and it was delivered to XXXX XXXX XXXX, XXXX on XX/XX/XXXX. I attached such exhibit below. XXXX XXXX XXXX # XXXX I requested specific information according to 12CFR 1006.34c and I have attached the document below to show specifically what I requested and their response to my previous claim did not legally comply and this account needs to be deleted from my consumer report. XXXX XXXX XXXX, XXXX has only provided me with statements and transactions from XXXX XXXXXXXX which is not what I requested in regards to Complaint ID : XXXX nor in my letter. They did not address the fact that my private information has been shared with out my consent and violated the FDCPA 12 CFR 1006.30A. The notice is to inform that XXXX XXXX XXXX XXXX have unlawfully reported an alleged debt to my consumer report. Under the New Rule REGULATION F which took effect XX/XX/XXXX, You XXXX XXXX XXXX, XXXX have violated the FDCPA 12 CFR 1006.30A and its new rule by parking this alleged debt on my consumer reports. Cease and Desist the reporting I of this inaccurate alleged Debt immediately. I refuse to pay this alleged debt. This account does not comply with XXXX XXXX XXXX XXXX  and can legally not be reported. 

This account was deleted from XXXX due to inaccurate and incomplete information.I have attached exhibits below to show proof.
Product: Checking or savings account

I have a checking account with NFCU ending in XXXX. I have a debit card ending in XXXX. Recently I have been frozen my debit card because I need to keep track of my withdrawals and all transactions since the bank failed me before by letting many transactions happening and not notifying me. Now since I started freezing my card, I would received a text message ( attached ) notifying of any declined transactions. Today ( XX/XX/XXXX ) I was notified of a declined transaction of {$86.00} however upon checking my account the transaction went through successfully. This has been ongoing since the week of XX/XX/XXXX. The bank would sent me a message saying that the transaction was declined because of my card being frozen but when I check the transaction would be posted and most of the time causing me overdrafts fees which the bank benefits from. The merchant in question is XXXX. I have attempted to get a new card but the wait for a new card is too long and the overnight option is too costly.
Product: Credit reporting

XXXX/XXXX/16 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services , LLC . 
XXXX XXXX XXXX, XXXX XXXX Adjustment B Account Number Num : XXXX Balance {$2800.00} Dear XXXX, I am writing in regards Adjustment B account on my credit report. On XXXX/XXXX/16 I have file a complain to the CFPB I sent a letter explaining that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 

I must remind you that in my previous letter I requested the following information : ( 1 ) The amount of the debt ; ( 2 ) The name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) ( 5 ) Provide the actual Bills Statements ( 6 ) Payment Receive I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( creditor ) that you say I owe money so they are also aware of my dispute with this debt. 
As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on { insert date from mail receipt }. 
Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 

As of today XXXX/XXXX/16 I have not received any information or correspondence regarding this account. 


I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my XXXX, the Federal Trade Commission and the XXXX XXXX. 

XXXX XXXX
Product: Checking or savings account

CapitalOne is refusing to update my phone number. I have tried 26 times at least and it is always excuses and even when I do go through the 15,000 steps and hours of arguing over the phone and get the number changed they still do not change my number. I am tired of it.
Product: Credit card or prepaid card

Hello, I applied for a Costco- city bank XXXX credit card. One week later when I called to check the status, they asked me to send my free card or ID through email!!! I told them email is not a safe and secure way for sending sensitive information pease give me a safe and secure Chanel. Even asked to talk with a supervisor, They gave me 3 options 1. Email 2. Mail 3. Fax I tried to explain to them that none of the channels are safe and secure for sending private sensitive data and this is not ok if you are collecting your customers data through these channels, I asked them to give me an office so I can go there and give them my document in order to make sure my data will be kept safe and secure which unfortunately they dont have any branch, institute or office in Arizona XXXX I believe sending ID, US passport, XXXX via Email or Mail or Fax is not safe or secure at all! Citibank is working like this! Im afraid they are putting millions of people in danger because they dont have a safe and secure channel for requesting and receiving sensitive data! I wanted to report this and really wish you teach them that its not the secure way and inform them that they are putting millions of families in risk of identity thefts and scammers buy collecting these data through unsecured channel. 

Note1 : I'm not a customer yet. 
Note2 : I've tried to contact them through different channels, no luck, they are not willing to do anything Note3 : I opened another complaint on XX/XX/XXXX, with number XXXX | it's closed because of Authorization needed STATUS Company responded there is an unauthorized third party on XX/XX/2022 I authorize them to proceed with my application and anyway there is no data to authorize as I have only filled an appication and I'm not a customer. 

CFPB please note I'm reporting a miss handle and missuse of customer privacy. 
It's not about my case, I will never use a bank like city bank which doesn't care about the security of my information but I want you to investigate and force them to care about their customers data.
Product: Vehicle loan or lease

Not sure of dates but I just recently last month disputed Santander to take it off my credit report I stated that I had continuous loss of employment and could n't pay it and the car was triple the amount that it was worth XXXX XXXX XXXX XXXX dollars for a car worth XXXX. I want to try to finance another vehicle and this is the only thing holding me back on my credit.
Product: Credit card or prepaid card

there are a total of XXXX soft inquiries and XXXX ( XXXX ) negative accounts that I the federally protected consumer did not consent to in writting XXXX for XXXX, XXXX for XXXX and another XXXX in addition to addresses name and information presented on my report that I didn't consent in writing to " No Consent is Identity theft
Product: Credit reporting

Good Morning, For the last 2 years Experian, XXXX, and XXXX has deliberately and constantly attempting to destroy my financial well being. I 've contacted them over and over again to get the matter resolved they would delete then reinsert items thats not mine consistently. On top of that speaking on the phone to the reps they are very rude and judgmental as if I 'm a criminal when in actuality I 'm the victim of Identity Theft. I did more research about credit reports i would be an educated consumer via the FCRA and I also come to realized that even the fraudulent accounts they ( all bureaus ) allowed charge off accounts to report balances and re-ages which is a blatant violation of the FCRA. Please I just want some help to restore my life. Just want the bureaus to be fair to me
Product: Checking or savings account

I had my identity stolen as number, driver'licence, credit cards, I've had accountsbooened in my name. My address has bern ch as the on XXXX server times. XXXX my XXXX children s ss cards been stolen and used. I'm getting notice them being used I DDT idnt use there identity or my own like this I've had 2 checks stolen and cashed from irs taxes s also.Im currently waiting on desicion on my social security afraid there stealing this too. Pleaseeh.
Product: Credit card or prepaid card

I opened an Amex Everyday card and forgot to set up auto payment. ( Customer service said I set up auto payment on the old card, wrong account. ) I was out on vacation for a month and missed a lot of mails which included one of the statement. And I only found out that I've been missing the payment for two month when I received phone call yesterday. Because I missed the payment, Amex canceled the card and all the rewards points are gone! I did not get separate email, mail, text or phone call about late payment or pending cancellation. All I received was regular statement mail ( which I missed the last one due to vacation ) and email which are easy to miss because they just have statement in title. After talking to customer service and paid my balance, my card was re-installed but the XXXX rewards points that I accumulated over the account was gone! 

Here 's what I think is unfair in this process : 1. I did not receive a noticeable warning about missing payment. It's the same as regular statement. 
2. I did not receive any warning about card cancellation. No text, phone call, mail or email at all. 
3. My XXXX rewards points are simply forfeited, even though there were proof and records of those points.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, Equifax signed and received a certified letter that contained a dispute along with a notarized identity verification letter that contained a copy of my drivers license and social security card. I spent money on notarizing the document specifically to verify my identity. On XX/XX/XXXX I received a letter from Equifax stating that because of the information I provided as of my identity does not match the information we currently have on my credit file. I have sent them dispute letters and verification for myself on at least 2 other occasions and i find it concerning that they are trying to use a stall tactic by asking me for information they should already have on file. How does submitting my drivers license and social security card that I have provided to them alreadygoing to verify what they already have on file for me. Its the same drivers license and socvial security card I have already sent them on 2 other occasions. It makes no sense to me and Im annoyed that instead of properly investing my dispute, the try and slow the process of allowing me the right to repair my credit by disputing the inaccurate information they have on file for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, my name is XXXX XXXX XXXX, and I reside at XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX, NC. NC Drivers License number is NC XXXX. Social Security number is XXXX. Policy number with XXXX XXXX  XXXX. 

When trying to renew our auto insurance we received an adverse action letter saying that we were involved in three incidents : one on XX/XX/XXXX, one on XX/XX/XXXX one on XX/XX/XXXX. Both incidents occurred in Texas which I have never visited. Reference number we were provided XXXX. This information is grossly incorrect. 

We reached out to LexisNexis at the instruction of our insurance agent, and LexisNexis was less than helpful. They were very rude on the phone and gave us no information about when it would be resolved. It's been more than 30 days and we are still having to pay a higher premium for two incidents on my record that I was not a part of.
Product: Credit reporting or other personal consumer reports

All the credit reporting agencies has my name wrong address and other information so this contract in non envoid for each one I have reported this many times and nothing they are telling me pretty much they can so whatever they want and they can't so I will be doing a identity theft report for fraud and they are sharing and using my personal information when they not supposed to black law and the consumer credit protection act they are all going against they caused me harm and need there surety bond
Product: Mortgage

I am disputing XXXX conflicting payoff amounts a week apart for a mortgage that increased the amount by almost XXXX $
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX IS REPORTING IS A 30 DAY LATE PAYMENT TO XXXX AND TRANSUNION FOR THE MONTH OF OF XX/XX/2021. I HAVE NEVER BEEN LATE ON THIS AUTO LOAN LEASE AND I HAVE DISPUTED IT MANY TIMES AND LAST YEAR XXXX XXXX XXXX XXXX UPDATED THE ACCOUNT STATUS TO XXXX AS CURRENT NEVER LATE WHICH IS THE ACCURATE REPORTING. THE ISSUE IS THEY ONLY UPDATED XXXX AND NOT XXXX OR TRANSUNION. THEY ARE REPORTING THE STATUS OF THIS ACCOUNT INCORRECTLY AND I HAVE TRIED EVERYTHING IN MY POWER TO CORRECT IT. PLEASE HELP ME. THEY HAVE NEVER PROVIDED ME WITH PROF OF THE LATE AND KEEP DECLINING TO REMOVE IT FROM XXXX AND TRANSUNION. THEY ARE NOT EVEN REPORTING THE CORRECT PHONE NUMBER. PLEASE HAVE THEM CORRECT THIS ISSUSE AS THIS IS AFFECTING MY RIGHT OF THE FCRA. IF THIS ISSUE IS NOT RESOLVED I WILL BE TAKING THIS CASE TO THE SMALL CLAIMS COURT.
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.

The information being reported is inaccurate and currently being paid. Please see attachment.
Product: Credit reporting or other personal consumer reports

I was a tenant at an XXXX XXXX  called XXXX XXXX in XXXX NC back in XXXX it was around the time COVID was extremely high and I was in crisis. I couldn't afford my rent nor my utilities due to not being able to get a job and previous homelessness. I then found out about rental assistance program called RAMP where I applied to get assistance. I end up getting approved and completed all the steps to get assistance for my struggles. After I had to leave the apartment in XXXX, XXXX  I thought everything would be took care of and I would be able to move forward in peace. Years ago by the same apartment reports almost {$9000.00} dollars on my credit without my permission as it states in the law 15 USC 6802 limits the disclosure of nonpublic personal information by financial institutions. The section states that financial institutions can not disclose nonpublic personal information to nonaffiliated third parties without providing the consumer ( XXXX XXXX ) myself a notice. I have the emails of the program confirming my assistance for my time of need and suffering due to COVID and it was not correctly and morally used therefore it should not be on my report because it's false information which why a credit bureaus should have called me first before reporting on my credit to these agencies. Secondly the law 15 USC 1681b permissible purposes of consumer reports. A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) in response to the order of a court having jurisdiction to issue such an order meaning credit agencies should have had my written instruction to allow to put this on my credit report but I didn't send nor write a letter stating that and if so I need that to be verified. Lastly my information should be passing my personal information without my lawful authority which is the law 18 USC 1028A. I do have the emails stating I was getting rental assistance so this needs to be off my credit report due to pain and suffering of not being able to rent/buy a home of my own.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 
I further remind you that, as in XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX - XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts. 
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT XXXXOLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature. 
XXXX XXXX XXXXXXXX XXXXt XXXX XXXX XXXX Minnesota XXXX In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt. 
I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. Trans Union CorpXXXX, XXXX. XXXX ( XXXX XXXXXXXX XXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my recent dispute regarding unauthorized inquiries on my credit report. I appreciate the prompt action taken to remove 11 of the inquiries that I identified as unauthorized. However, I am deeply concerned that two inquiries remain on my report despite being included in my initial dispute.
Product: Bank account or service

FIA CS does not have written authorization to inquire as to my credit. I wrote the credit reporting agencies, but no response XXXX Exhibit # XXXX XXXX.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports