23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

My minor child received gift cards from a program he was in. The gift cards were fully used. I had to return a defective item and a refund was issued to the card. When I attempted to use the card, it was denied. I tried to login online to check it and couldn't. I called and was told it would be escalated and a check issued for any balances. I haven't heard back. I called XX/XX/XXXX and spoke with XXXX who said he couldn't help me as he would need to speak with my child. When I called my child over to the phone, he hung up. I called back and he spoke directly to my son, stated my son couldn't give me permission to speak on his behalf and when he was advised again that my child was a minor, he said he couldn't help him over the phone and hung up. I just want the balance mailed to me as promised.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS XX/XX/XXXX I HAVE NOTICE FRAUDULENT INQUIRES IT IS NOW XX/XX/XXXX THE 3 CREDIT BUREAS AND THE COMPANIES LOSTED BELOW TOOK MORE THAN 45 days to respond according to the " FAIR CARES ACT '' ALL COMPANIES INVOLVED ARE NOW VIOLATING THE LAW! 
REMOVE THIS FRAUDULENT ACCOUNT IMMEDIATELY BEFORE I HAVE TO MAKE LAW SUIT!!!! 

Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type All Banks Contact info Address XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX Phone number By mail only ( tel : XXXX XXXX XXXXXXXX ) XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Banks and XXXX XXXX XXXXXXXX XXXX XXXX Address XXXX XXXX XXXXXXXX XXXX, XXXX Phone number ( XXXX ) XXXX ( XXXX ) XXXX  XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Banks and XXXX XXXX  XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX ( XXXX ) CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.
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, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX Balance : {$380.00} ; XXXX XXXX XXXX  XXXX Balance : {$270.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$610.00} ; XXXX XXXX  XXXX Balance : {$530.00} ; XXXX XXXX XXXX XXXX : {$4500.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$220.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One XXXX failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which XXXX violate the Electronic Funds Transfer Act ( XXXX ) 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: Debt collection

I received an email regarding policy changes from Truist, however I've never had an account with Truist, BB & T, or Suntrust. I reached out to Truist and was able to verify my social security number, however the address didn't match so the would not release any information pertaining to the account. I have absolutely no clue as to what it is or what type of debt it is.
Product: Credit reporting or other personal consumer reports

Credit Card Opened by the Thief Company or Organization : XXXX XXXXXXXX Account Number : XXXX Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$1000.00} Credit Card Opened by the Thief Company or Organization : XXXX XXXXXXXX Account Number : XXXX Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$300.00} XXXX XXXX XXXX XXXX XXXX XXXX or Organization : XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$18000.00} Fraudulent Information on Credit Reports Other Identity Theft Company or Organization : XXXX Account Number : XXXX Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$160.00} Fraudulent Mobile Phone Account Company or Organization : XXXX Account Number : XXXX Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$1200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017 I settled a XXXX XXXX  account with a collection company, at that time the company asked me for a {$1800.00}, payment to consider the account paid in full, since that time I have contact Experian and XXXX XXXX to fix the reporting on my credit report. First, XXXX XXXX corporate they do not how to even know who handle situations like this, on the other hand, Experian is saying to go back with them after I got one more answer on my dispute, even though I submitted the letter from the collection company that this account is paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

I JUST GOT POSTAL MAIL IN RESPONSE TO A PREVIOUS COMPLAINT WITH EQUIFAX. This is not a duplicate complaint!! They just sent me dispute results that DID NOT delete accounts that contained many violations! Equifax is refusing to delete the inaccurate accounts being disputed ; they contain a HOST OF VIOLATIONS. See my attachment, which contains my identifying info at the end. I supplied lots of supporting documentation as well jic. Example : Please tell me how an account was not deleted that is STILL being reported as OPEN and CLOSED at the SAME TIME. That's just one example! I demand these accounts be deleted!
Product: Credit reporting, credit repair services, or other personal consumer reports

Please note that I am the author of this complaint and all attachments. 

The credit bureau has violated 15 USC 1681i and 15 USC 1681e. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. All I have been getting are frivolous, XXXXXXXX automated responses. No real investigation was conducted after my initial dispute. 

The furnishers are in violation of 15 USC 1681s-2b ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. 

After my dispute of the accuracy of these accounts, the furnishers falsely verified the reporting to be accurate and complete instead of deleting the account from my credit report. This is will non-compliance and I now have a claim under the FCRA with civil liability under 15 US Code 1681n
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. 

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. 

15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer.
Product: Mortgage

" The California Homeowner Bill of Rights became law on XXXX XXXX, 2013 to ensure fair lending and borrowing practices for California homeowners. 
The laws are designed to guarantee basic fairness and transparency for homeowners in the foreclosure process '' IS IT FAIR THAT IF YOU WANT TO HAVE ANY REPRESENTATION BY AN ATTORNEY, IT MAY COSTS A MINIMUM OF {$8000.00}? AND THERE IS NO GUARNTEE THAT YOU WILL SUCEED IN YOUR MORTGAGE MODIFICATION. 
IS THE PROCESS TRANSPARENT & FAIR WHEN YOU HAVE TO EDUCATE YOURSELF AND RESEARCH FOR HOURS AND HOURS JUST TO FIND ANY INFORMATION THAT MAY HELP YOU IN THE LOAN MODIFICATON PROCESS, IT APPEARS IT TAKES A LAW DEGREE TO FIGURE ANY OF THIS OUT?? 
IS IT TRANSPARENT & FAIR WHEN YOU DO N'T KNOW WHAT THE UNDERWRITER 'S CRITERIA IS, SO YOU MAY PROVIDE THE NECESSARY DOCUMENTATION TO MEET THEIR GUIDELINES FOR THE APPROVAL OF YOUR MORTGAGE MODIFICATION PROCESS?? 
IS IT TRANSPARENT & FAIR WHEN THE LENDER REQUIRES THAT I SEND A COUPLE OF REAMS OF PAPER ( DOCUMENTATION ), SPEND A {$1.00} A PAGE TO FAX IT AND/OR SPEND {$50.00} OR MORE FOR POSTAGE TO SEND IT TO THEM, IS THAT FAIR?? I DO N'T HAVE A FANCY COPIER, FAX, SCANNER OR COMPUTER IN MY HOME LIKE YOU HAVE IN YOUR UNDERWRITER 'S OFFICE. 
IT IS FAIR THAT I HAVE TO WAIT 6 MONTHS TO HEAR FOR AN UNDERWRITERS DECISION, FIND OUT THAT YOU NEED ANOTHER REAM OF PAPER FAXED TO YOU. THAT 'S FAIR??? 
I DARE YOU LENDER TO COME IN MY HOME - INSTEAD OF SENDING SOME FIELD REP FROM THE XXXX AREA TO TAKE PICTURES FROM THEIR CAR - YEP YOU CAN SEE THE XXXX FLAG I FLY FOR MY SON, WHO MADE THE DECISION TO SERVE HIS COUNTRY AND YOU SEND ME A LETTER ASKING IF I 'M IN THE MILITARY?? COME INTO MY HOME AND SEE HOW I LIVE, SEE HOW I STRUGGLE AND WORRY ABOUT LOSING MY HOME BECAUSE I 'M WAITING FOR AN UNDERWRITER 'S DECISION??? WHO ARE THESE UNDERWRITER 'S???? 
THIS CA HOMEOWNER 'S BILL OF RIGHTS DOES NOT HELP THE HOMEOWNER WHO IS TRYING TO SAVE THEIR HOME FROM FORCLOSURE. I 'M TRYING TO KEEP XXXX ELDERLY RETIRED FOLKS AND A FAIMLY OF XXXX FROM BEING HOMELESS!! 
I 'M SORRY LAWMAKERS, NON-PROFITS, ( AKA HUD CERTIFIED COUNSELORS ), ATTORNEYS & STATE AGENCIES YOU GET TO UTILIZE THE XXXX XXXX DOLLARS YOU RECEIVED FROM THESE LEDERS AND COVER YOUR SALARIES, OFFICES AND OVERHEAD - YOU ARE THE ONES PROFITING!! 
GET REAL - THERE IS NO TRANSPARCY AND WHAT IS YOUR DEFINITION OF BASIC FAIRNESS????
Product: Money transfer, virtual currency, or money service

I have attempted to contact Square numerous times, including email, phone, and chat. I have been blocked by all their communications due to them deactivating my account after they accepted a payment from my customer. They have suspended access to my funds and stated they would be released 2 days after 90 days, which still has not happened, nor has there been any response to emails or communications. 

I recently used a different phone number to call their support department to get a live person on the phone and was told they could not find any problems as to why the funds had not been released to my bank account. However, they had to escalate this to the next level. Once a representative was on the phone and opened my account, I was told my account was deactivated and did not allow for live support, and to respond to previous emails and hung up on me. I have responded numerous times to their previous emails, with no reply from their team, nor have the funds been deposited into my account. I have not received any communication of chargebacks or any other issues that gives them the ability to hold these funds longer than the 90 days as stated in their email. 

This business should be shut down immediately, as this form of deception and illegal activity should be what is in question, not the legitimate consumer transaction that they say is why they are deactivating accounts. I will be joining a class action lawsuit against Block for unlawfully keeping customers ' funds. If they felt this activity was fraudulent, then they should have never allowed the transaction. 


See email below from XXXX XXXX XXXX, We recently reviewed your account and found activity that our platform is unable to support. Because of this, we are sorry to inform you that your Square account is now deactivated. 
What does this mean? 
You still have access to view your Square Dashboard, but you will not be able to process new transactions using Square. Any funds currently in your account balance will be held for a period of 90 days, and are due to be released to you within two business days after XX/XX/2024. 
Please note that the release date and amount available for release are subject to change based on any additional activity, including chargebacks or bank returns that occur. If there are any chargebacks, they will be covered using the funds held in your Square account. If the held funds are not sufficient, your linked bank account may also be debited.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information that was supplied. These items are inaccurate. In accordance with the Fair Credit Reporting act 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 XXXXXXXX XXXX XXXX XXXX, US SM BUS ADMIN ODA, have 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 an account without my written instructions.
Product: Credit card

On XX/XX/2024 my balance owed showed as {$1900.00} I paid that balance IN FULL to bring my credit card to a XXXX balance. On XX/XX/2024 I was charged interest in the amount of {$33.00}, which I believe is unfair trade practice due to the fact the reason I paid in full the balance that showed was owed as {$1900.00} was to avoid paying high interest charges! Six days later after I have a XXXX balance Im charged interest charges? That should have already reflected in my balance owed.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Have sent several letters to portfolio recovery for verifiable proof that the said debt is mine. I have failed to hear back from this company. It has been months with no response.
Product: Debt collection

when i closed by XXXX XXXX account i paid my bill and full balance as i always do. months later i was contacted by verizon for non payment. i showed them proof of payment from my bank checking account. i was told that when i close an account that because i had phone internet and tv i should have paid the balances seperatly to different addresses. i never had done this in the past. i paid my bill as i allways have done.
Product: Credit card or prepaid card

I have been trying to resolve an issue with my XXXX XXXX Credit card for quite some time now. 
In XX/XX/XXXX I moved to a new address for College and changed my email from an old email to a new university email. I stopped into the XXXX XXXX MN XXXX XXXX store to change my address and email. I spoke to the girl at the desk, she took down my information and said she would put it into the system. 

After a few months, that spring ( XX/XX/XXXX ), I logged into my XXXX XXXX online account and saw that I had missed several months of payments. I had received NO mail or emaila notifying me of these missed payments/late fees so over those months they were adding up. I called XXXX XXXX and told them that I had no idea that I owed anything all this time because I wasn't receiving any notifications from them, they would not remove the late payments from my record, they only lowered the late fee cost, which I paid over the phone that day. 

Since then I have been denied for a car loan and not qualified for my home loan application. I have no other issues with my credit, I've never missed a payment before this incident. It's extremely distressing that a small late fee under {$5.00} had brought my credit from a steady XXXX to under XXXX. Since I took action to change my address and email at XXXX XXXX XXXX MN XXXX XXXX XXXX the fault for this issue is not mine and XXXX XXXX should remove all delinquent payments from my record. 

I have investments and savings and a steady job, there should be no reason that I can not get a car or home loan. XXXX XXXX had a chance to right this wrong the many times I called them and they still haven't. 

Thank you,
Product: Credit card or prepaid card

Hi, I am attempting to resolve an error where Discover is violating the law, nor are they practicing good business principles and they have not protected me by standing on their {$0.00} XXXX XXXX XXXX XXXX are in violation of the Fair Credit Billing Act. 

I have called Discover fraud department ( in XXXX ) regarding a fraudulent charge of {$400.00} from a XXXX transaction on XX/XX/XXXX, they closed my account and issued me a new card. 
On XXXX XXXX I called them back advising it was NOT fraud and I allowed a family member to use it. ( ERROR ON MY END ) When I discovered the error on XX/XX/XXXX as my other credit card company and family member confirmed it was XXXX XXXX card used not Discover, I immediately called discover back to advised know it was an erorr on my end and to re open the original dispute as the initial charges still stands and it was indeed fraudulent from the beginning. 
I was dealing with several family member deaths and my mind wasn't in a sound place as I was mourning my loss with my family/ loved ones. I have called 4 months in a row on this matter and I am beyond exhausted on getting this resolved. Discover has not provided me any Legal written documentation or proof providing I have did business with this company and they refuse to issue me back the {$400.00} charge. 

Per the recorded calls they don't even have a phone number or proper documentation/ proof to give me to call to contact this company about the charge, this is not a fair business practice I hope we can get this handled collectively here. I am seeing the {$400.00} to be credited back to my account. 

This is exhausting and it is causing me so much stress/ time and extra charges on my account. 
Thank you for your attention on this matter.
Product: Credit reporting or other personal consumer reports

Source : Experian Date Submitted : XX/XX/2023 Report Number : XXXX Account Number : XXXX Company : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX TX XXXX Experian is in violation of the FCRA and XXXX for failing to investigate and delete or corrected the above disputed item. A dispute was open via Experian.com and via certified mail asking Experian to conduct an investigation and delete or correct the items above. Experian did not conduct an investigate, deletion or correction for the dispute above.
Product: Credit reporting

I tried to get my free annual credit report online from both XXXX and Experian. It has been more than 12 months since I requested a report from either of these companies. Neither company would provide this info to me online ; both require me to submit by mail or phone and wait at least 2 weeks for them to process and send to me through the XXXX. This is an unacceptable delay and makes me nervous that something may be wrong as I have been able to obtain my credit reports online for the past XXXX years. They provided no explanation for this " change '' on their part. In addition, I no longer keep paper versions of these reports but they will not provide to me electronically. There is no way to contact a human being to investigate this problem so it can be resolved so I can access my info electronically.
Product: Money transfer, virtual currency, or money service

On XX/XX/2018 I transferred {$1400.00} to my aunt in XXXX XXXX and I paid {$16.00} as fees. XXXX told me that the person should receive it in 10 minutes. My aunt went to XXXX  in XXXX the next day, they told her that she has to go to XXXX. She went and they told her that the transaction wasn't well done to call XXXX. From XXXX, I called myself, the first person told me that it can be resolved to wait a moment. Then another person came, I believe he isn't in USA, asking me same questions plus my license # and the reason for the transaction. When I said that it was a gift, he declined to process the transaction and told me to go back to XXXX they will reimburse the money. All the burdens for nothing.
Product: Mortgage

Rushmore Loan Services called me on XXXX/XXXX/XX/XX/XXXX at XXXX XXXX ET to demand my XXXX payment, which I had made the day before -- the due date -- via electronic fund transfer. Just a month ago, Rushmore sent me a letter stating my account was delinquent, and I filed a complaint with this agency. The XXXX time they made a bogus collection call was XXXX XXXX XX/XX/XXXX. I had sent a check one week earlier, and the caller stated I was delinquent. I pointed out to the caller that according to Rushmore 's payment coupon there was a ten ( 10 ) day grace period! When I returned to work, I checked my bank account online and saw that my check had actually cleared MY BANK on XXXX XXXX XX/XX/XXXX! 
Rushmore is abusive and bullying. I recommend that they be severely penalized -- even shut down for this on-going pattern of abuse. How many victims do not know their rights, or have access to prove Rushmore 's abusive behavior?