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

I was incarcerated on XXXX, and could not find my bank cards, ID, etc. I finally gave up XXXX and called to get a new card and I inquired about the balance and if there was any recent activity on the account since I could not find my card. At that time I was informed there had been activity on my account going back all the way through to the date I began my incarceration. I told them I obviously could not have made the charges and wanted to dispute the charges, which they claimed they would start a dispute ( which they did not do at that time ) they claimed that my card would be deactivated, and they sent me a new card around XX/XX/XXXX which was when I finally gained access to my account for the first time since XX/XX/2021, and I made a {$300.00} withdrawal the day I received my card. I had no access to their app due to being locked out of my email that was on record and I no longer had the phone number on record. I spent hours trying to update my email and phone number, sending pictures of my ID, photos of me holding my ID with mail addressed to me with the same address on record as well as the ID but because my current number was linked to a current Chime account I was not allowed to update neither my email or phone keeping me locked out of their app. After every purchase I would call to balance my account with what I had written down and they would never match up so purchases were still being made online with cards that I was told were no longer active via XXXX. I spoke with multiple service agents and received XXXX different new cards and had been told all 3 times disputes were being started each time. It was not until the end of XXXX that I finally was able to get a supervisor to process a dispute with me on the phone going through each purchase going back to XX/XX/2021. I was given the dispute number of XXXX and was told to email any documents supporting my claim such as documentation of my incarceration. Since they refused to allow me to update my email address on record, they refused to accept my documentation since it did not come from the email address they had for my account. On XXXX I spoke with XXXX who finally gave me a XXXX for my dispute which came to a total of {$4800.00}, and when I asked for an update she transferred me to her supervisor XXXX who simply informed me my XXXX was denied. When I asked why it was denied he said he wasn't sure. I asked for the documents and evidence available to them when they made their decision and he told me they were not allowed to provide that to me, and I asked to elevate my dispute and I was hung up on. I also have {$400.00} sitting in a savings account I am unable to access because I am locked out of their app and they will not allow me to transfer the money to my checking account any other way except through the app.
Product: Debt collection

I attempted to use ADP payroll services in XXXX of 2023. I never actually filed payroll with the company because the platform is too complex for small businesses. I immediately canceled the service after the first billing statement hit my business checking account. Even after multiple cancellation attempts over the phone, the company kept billing my business and withdrawing the monthly ACH payment. It was so aggregious that I had to close that business checking account to stop the payment. ADP has now sent the bill to collections and is still attempting to collect monthly payments!
Product: Credit reporting or other personal consumer reports

15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA XXXX False misleading information FDCPA XXXX furnishing deceptive forms must remove late payments under CARES XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
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 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: Credit reporting or other personal consumer reports

I called all three credit bureaus between XXXX and XXXX to remove outdated information from my credit reports. However, the information has not yet been updated. I am writing to request updates and corrections to my personal information on file with your company. Please make the following changes to my profile : - Update my address to : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX. 
- Correct my name to : XXXX XXXX. 
- My only valid Social Security XXXX is : XXXX. 
- My correct date of birth is : XX/XX/1980. 
- My sole employer is XXXX XXXX XXXX. 

Additionally, I request the removal of all telephone numbers and my employer from my credit report. Please remove all other addresses from my report, as they are not deliverable by the XXXX. Postal Service and are inaccurate according to FCRA regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Request that LexisNexis furnish notification of the deletion of disputed information or a dispute statement to any person specifically designated by Mr. XXXX who has received a LexisNexis consumer report for employment purposes within the past two years, or received a LexisNexis consumer report for any other purpose in the past six months I need you to update XXXX  that this Bankruptcyneeds to be removed, they are still reporting it on my credit report andciting your company as the furnisher of this false information DESPITE numerous communications indicating that this is inaccurate info. 
XXXX  also refuses to update my personal information on my credit file, they are blatantly ignoring all communications sent to them to resolve this conflict. I have sent numerous letters to them and no response or update on my comments nothing.
Product: Checking or savings account

I am writing to express my frustration and concern regarding the current technical outage at Capital One, which has caused a delay in the posting of my direct deposit. My employer confirmed that the payment was processed and sent on time, and this delay is entirely due to Capital One 's inability to process transactions promptly. 

This situation is unacceptable as I rely on my paycheck for essential expenses, including rent and bills, which are now at risk of being delayed. I contacted customer service, but I have yet to receive a clear explanation, resolution, or timeline for when my funds will be accessible. 

I demand immediate action to resolve this issue. At a minimum, I expect Capital One to provide a temporary credit equivalent to my direct deposit amount until the technical issue is resolved. I also request a detailed explanation of the cause of this outage and the steps being taken to prevent future occurrences. 

Delaying access to funds is a serious issue that impacts customers ' financial stability, and I urge you to resolve this matter as a priority.
Product: Credit reporting or other personal consumer reports

XXXX XXXX last 4 of my social is XXXX XXXX XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, equitable and experian credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal loan account opened at national credit adjusters on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX XXXX in the year XXXX a personal loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at possible financial XX/XX/XXXX with a balance of {$130.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

PRMI is refusing to complete an escrow analysis after one year. I have even made a written request and informed it would be 30 more business days. My first payment was in XXXX of 2022.
Product: Debt collection

My information has been apart of XXXX XXXX XXXX and Social security data breach. I notice inquiries on my credit report and debt that I don't recognize.
Product: Debt collection

MCM needs to remove their fraudulent account. No such account exists on my XXXX  or XXXX  credit report.
Product: Credit reporting or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this XXXX The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
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. 

I told Experian, XXXX XXXX, and XXXX to re-investigate these accounts : XXXX AXXXX 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. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that are not reporting correctly.

15 USC 1681, section 602 A. States I have the right to privacy. 

15 USC 1681 section 604 A section 2 : it also states, that a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 USC 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. 

Also, they arent even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case.
Product: Debt collection

I get seven to eight calls a day from XXXX. The original amount owed is XXXX. They want XXXX.
Product: Payday loan, title loan, or personal loan

XXXX overage i can not afford the loans i made a huge mistake i'm severe with XXXX
Product: Credit reporting or other personal consumer reports

This account Is identity theft. I have filled out all paperwork with state federal government and this needs to come off my credit report or I will be following charges against your company.You have 30 days from receipt of letter. 

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

I have called EQUIFAX and I explained to them about the inaccurate information on my consumer report and I demanded them to permanently DELETE/REMOVE the closed negative items accounts and they refused to do so. I also explained to them that I am a consumer ( natural person/creditor ) pursuant to 15 USC 1602 ( e ) and 15 USC 1602 ( g ). I demanded these deletions based on my federal protected consumer rights and they was nonchalant about the matter for which these items are affecting my reputation and destroying my character as a consumer. 
Also, while on the phone with EQUIFAX, I made it clear to them that NO consent was NEVER given to them ( EQUIFAX ) pursuant to 15 USC 1692b, I proceed to demand for these DELETION due to the violation they committed on my consumer report and explained to them that they was in violation pursuant to : 15 USC 1692b ( no consent was given ), 15 USC 1681 ( a ) ( 1 ) ( 3 ) ( 4 ), 15 USC 1681 ( 2 ), 15 USC 1681 ( 3 ), 15 USC 1681 ( 4 ), 15 USC 1681 ( B ), 15 USC 1681a ( d ), 15 USC 1681a ( 2 ) ( A ) ( i ), 15 USC 1681a ( 2 ) ( B ), 15 USC 1681a ( e ) ( failed to deliver proof of verification of alleged debt ), 15 USC 1681a ( 2 ), 15 USC 1666a ( B ), 15 USC 6821a ( violation of privacy protection ), 15 USC 6821a ( 1 ), 15 USC 6821a ( 2 ), 15 USC 6821a ( 3 ), 15 USC 6821b 15 USC 1692b ( 2 ), 15 USC 1681 ( a ) ( e ).

EQUIFAX fall under the term of Financial Institution pursuant to 15 USC 6827 ( 4 ) ( B )
Product: Credit reporting or other personal consumer reports

I notice my Consumer Report that there's several of Hard Inquiries that I don't know and did not give premission for them to pull my credit. According too 15 US CODE 1681 they're to report records and promote accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies.
Product: Credit reporting or other personal consumer reports

I followed up on my credit report on the day of XXXX XXXX, 2024 and saw that the account XXXX XXXX XXXX ( XXXX XXXX  XXXX ) credited my account of {$9800.00} dollars without my permission. That account shouldn't be on my credit stating the law 15 U.S.C 1681 section 602 A. XXXX I have the right to privacy. 15 U.S.C 1681 section 604 A. Section 2 : it also states a consumer agency can not furnish an account without my written instructions. 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. These laws protect me from being abused by the consumer reporting company which have assumed this responsibility of furnishing my consumer report and and it has to be XXXX percent accurate. 15 U.S.C 1681 ( a ) ( 3 ) consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers This is the laws set in place by Congress to protect my rights.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
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: Credit card or prepaid card

I have not received an accurate statement noting an accurate minimum monthly payment since XXXX XXXX 2017. I was informed by a CSR that the amount was for XXXX. As a result I began making monthly payments in the amount of XXXX on an ad-hoc basis using citi bank's web payment portal. I noticed once receiving my XX/XX/XXXX statement that it inaccurately notes the minimum payment to equals the total outstanding balance on the account (~XXXX). I called citi customer service to report my concerns around the integrity and accuracy of my statement and they verbally informed me of my monthly payment (< XXXX). I did this on a monthly basis as my statements continued to be inaccurate, an I continued to be advised that the error will be resolved and that the minimum payment is not equal to the outstanding balance; I've yet to receive an accurate statement to date. On XXXX XXXX 2017 I setup recurring payments via the citi online payment portal in the amount of XXXX. Based on the information verbally furnished by Citi, I was under the impression the amount was greater than the minimum monthly payment due. Unfortunately for me the issue was not resolved by citi and as a result the entire outstanding balance (~XXXX  around XX/XX/XXXX) was deducted automatically, in an unauthorized fashion, by Citi Bank. I was under the impression that the amount of XXXX I authorized would be automatically deducted and not the entire outstanding balance; I brought to their attention numerous times that my account records have data integrity and accuracy issues and which I thought were resolved. As a result, I was not prepared to make a payment in that amount (XXXX) causing a series of cascading overdrafts resulting in a material financial impact to me and my credit. I incurred over $500 in fees and spent approx 10 hours trying to rectify the situation and seek remedy. To add insult to injury, Citi levied a return check fee on the payment. Also, the claimed the payment was submitted as a physical check when it was an ACH autopay pull per my Bank (XXXX XXXX). They continue to tell me to cancel the auto pay, make one off payment, call in monthly to obtain the minimum due to service the account and that they cannot correct the inaccurate records associated with citi diamond preferred account. I view this incident as an authorized money transfer or ACH transaction. I did not provide authorization and Citi has stated their records are in accurate; This is captured on a recorded line.

As of X/XX/17 @ XXXX XXXX  the issue remains unresolved and I am not aware when the issues with be addressed and when I will receive an accurate statement noting the mimimum payment due to service the account to keep it current. CSR rep stated this afternoon that it appears the is an issues regarding record integrity and they do not know why the XXXX was pulled from account and that it was likely an error and unauthorized. 

I am not sure how I seek remedy other than through litigation.
Product: Credit reporting or other personal consumer reports

The company continues to report the account as Charged Off every month. The account was charged off XX/XX/2023 and is not supposed to continue to report at Charged Off 5 years later.
Product: Mortgage

On XXXX Mr Cooper mortgage company who I pay escrow and my mortgage payment to, did not pay my Town taxes nor my home insurance. Due to this I will be charged fees. I pay monthly and early. Mr Cooper is happy to take my payments but not do the right thing by paying my insurance and escrow. Thisis illegal they are taking my money and not making these payments.
Product: Debt collection

After reviewing my credit profile on XX/XX/2023 I identified a discrepancy with account listed under Absolute Resolutions and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/2023 and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent out on this day. After reviewing credit report again on XX/XX/2023 there have been no updates and account is still reflecting on the report. I do not believe the account belongs to me nor do i believe that the creditor has authorization to access the account nor authorization to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct. I have attached a debt validation letter demanding competent evidence.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently started pay more attention to my credit file and discover that Santander Consumer Usa was inaccurately and incompletely reporting an account.From XX/XX/XXXX to XX/XX/XXXX they have no payment information whatsoever for this account.The vehicle was traded in at XXXX XXXX XXXX between XX/XX/XXXX and XXXX.The company continues to report more late payments to this account further damaging my ability to obtain credit. 
XXXX  report shows date of ! st delinquency XX/XX/XXXX, XXXX  has date of ! st delinquency as XX/XX/XXXX and XXXX  shows the account was closed in XXXX when it was paid off in XXXX.FCRA requires any accurate reporting account to be deleted.I have disputed this account with XXXX  twice and they continue to respond as updated and add more late payments decreasing my score drastically.The XXXX  account history is being reported inaccurately and has been incomplete since XX/XX/XXXX.
Product: Debt collection

This complaint arises out of a dispute I sent the collection agency after finding out inaccuracies in my credit report. To date, they have not sent a response to validate the debt. I believe this debt to be not mine but rather was obtained illegally ( identity theft ) by someone who used my name and social security number to obtain cable services. I have another complaint filed with another collection agency for the same original creditor ( XXXX ). I would like to get a copy of the original bill from the creditor so that I can move further with disputing the debt. Attached is the letter ( with attachment ) I sent to the collection agency.