23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

On XX/XX/XXXX, I reported fraud on my Vanilla Gift Visa Debit Card # XXXX, Exp : XX/XX/XXXX, security # XXXX, telephone # XXXX. Your customer service representative took all my information and assigned Case ID # XXXX for the {$500.00} balance. They told me it would take from 45 to 90 days to complete their investigation On XX/XX/XXXX, I called again to complain that I still hadnt received the card and was told that it would arrive very soon, to give it a few more days. 



On XX/XX/XXXX, once again, I called this time using the number XXXX XXXX, and was told a new card was mailed on XX/XX/XXXX. I told them I never received it. They responded by saying that they would send another new {$500.00} gift card. 



On XX/XX/XXXX, I spoke with your Supervisor XXXX for one hour and ten minutes while he investigated this matter and would get back to me. 



He apologized for the inconvenience Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX e-mail : XXXX Telephone : XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX AND XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. 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 in 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 AND 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
Product: Checking or savings account

I keep receiving repetitive email from TransUnion saying my bank cards are reported over the limit but the 2 cards ( XXXX XXXX and XXXX XXXX  ) are closed and its reporting to my credit report and I dont know what they are because I cant sing into the accounts.
Product: Debt collection

This account have inaccurate reporting. The company has failed to properly investigate. This account do not belong to me. If not resolved I will sue for damages
Product: Credit card or prepaid card

I call Capital One on XX/XX/2023 to make a complaint about a hotel stay and to a dispute I was told they will investigate and there's nothing I need to do after two months Capital one final to Resolve my claim Not accepted any of my documents poof the hotel sent back my refund and I will not be charged for the stay. 
Capital One did not help to resolved my claim at all if you they been very Disturbination. Against me
Product: Credit reporting, credit repair services, or other personal consumer reports

Investigation took more than 30 days and nothing was changed when clearly there are misleading information and inaccuracies on my XXXX XXXX CREDIT REPORT that violates my rights .... attached is a copy of that report... THE EVIDENCE IS IN BLACK AND WHITE!! STOP VIOLATING MY RIGHTS AND DELETE IT IMMEDIATELY!!
Product: Mortgage

Summary : New American Funding ( XXXX ) has failed to re-issue a stolen {$6300.00} check that was fraudulently cashed. 

XXXX : XX/XX/XXXX - Insurance claim check sent to XXXX  for endorsement ( their name was also on the XXXX line, this is a normal thing for their loss draft department ). 
XX/XX/XXXX - XXXX cashed the check and re-issued a new one to me XX/XX/XXXX - XXXX mailed the new check to me via XXXX without notification, after nearly XXXX  months without update. 
XX/XX/XXXX - check was fraudulently cashed after apparently being stolen in the mail and altered by someone else ( police report filed, suspect imprisoned on unrelated charges ). 
XX/XX/XXXX - I first learned about the XXXX  check being cashed fraudulently. XXXX said they would investigate. The fraud is blatantly obvious ; XXXX  has image copies of both the issued and cashed checks. 
XX/XX/XXXX - Filed police report with XXXX XXXX XXXX, report # XXXX XX/XX/XXXX - XXXX XXXX XXXX via email to report fraud. This is the online service the suspect used to cash the check digitally. No response. 
XX/XX/XXXX - Called XXXX, no update XX/XX/XXXX - XXXX XXXX ( bank that cashed the check ), they said XXXX needs to file an " XXXX XXXX XXXX  - Fraudulent Check claim '' XX/XX/XXXX - Contacted XXXX XXXX  ( bank that issued the check for XXXX ), they claimed XXXX is the only one who can resolve. 
XX/XX/XXXX - Emailed XXXX with police report number and request for XXXX XXXX XXXX. No update XX/XX/XXXX - Called XXXX, no update XX/XX/XXXX - Called XXXX, no update, hung up on me XX/XX/XXXX - XXXX XXXX called me back, said they would resolve this and re-issue a new check XX/XX/XXXX - Called XXXX, no record of XXXXXXXX XXXX commitment to issue new check, no other updates XX/XX/XXXX - Called XXXX, no update I have contacted XXXX numerous times via phone and email ( XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XXXX ), without any meaningful progress on resolution of this issue. I have contacted all of the banks involved, and they can't do anything without XXXXXXXX XXXX  involvement, since XXXX is the check issuer. NAF is essentially holding my insurance claim money XXXX, while I have contractors to pay.
Product: Credit reporting or other personal consumer reports

I have sent letters to each company asking for validation of myself giving authorization to run my credit. I have also sent letter to each credit reporting bureau asking for validation. I have called the credit reporting bureaus asking for validation and also asking that the information either be validated or removed my my credit reports. 

Transunion XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting a collection in my name that isn't mine to both XXXX XXXX, and Experian. I have a common name and it seems someone with the same name has a defaulted account that is showing up on my credit report in error. I demand this gets removed right away. I have never defaulted on any accounts. I am trying to refinance my house and my credit scores are 100 points less than they should be due to this reporting issue. I have attached my identity documents to prove that this was never my account as well as my credit report profile data. All my previous addresses are valid for me. Over the past 12 years, I have never received mail at any other addresses.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the validity of a medical collection account listed on my credit report. This letter is submitted in accordance with the provisions of the Fair Debt Collection Practices Act ( 15 USC 1692g ) and the Fair Credit Reporting Act ( 15 USC 1681 ).

Account Information : Creditor Name : [ Name of Medical Provider ] Account Number : [ Account Number ] Date of Service : [ Date of Service ] Amount : $ [ Amount ] I believe that this collection account should be removed from my credit report for the following reasons : 1. Lack of Verification : Pursuant to 15 USC 1692g, I have the right to request verification of this debt. I have not received any written verification of the debt from your agency or the original creditor, XXXX XXXX XXXX  XXXX. It is my legal right to seek verification of the debt 's validity. 

2. Inaccurate Reporting : The reported debt amount is inaccurate. I have documentation indicating that the amount in question has been disputed with the original medical provider, and an agreement has been reached for a different amount. This discrepancy calls into question the accuracy of the debt as reported by your agency.

3. Statute of Limitations : Please note that the statute of limitations for the collection of this debt may have expired. I request that you provide documentation establishing the date of the last activity on this account to determine whether it falls outside the statute of limitations for collections.

4. Failure to Provide Proper Notice : As required by 15 USC 1692g, your agency is obligated to provide me with a written notice, including the amount of the debt, the name of the creditor, and my rights under the law, within five days of your initial communication. I have not received such notice from your agency.

I kindly request that you investigate and verify the debt in question promptly or provide evidence of the debt 's validity within 30 days of receiving this letter, as required by 15 USC 1692g. Failure to do so may result in a violation of federal law and may necessitate legal action.

Additionally, I would like to bring to your attention the case of Clark v. XXXX XXXX XXXX XXXX XXXX, Case No. [ Case Number ], where the court ruled in favor of the consumer due to the lack of proper debt verification by a collection agency. This case sets a precedent for the importance of verifying the accuracy and validity of debts in compliance with the law. 

I expect your agency to adhere to the legal requirements outlined in this letter and promptly resolve this dispute. Please provide me with a written response, including any supporting documentation, to confirm the resolution of this matter.
Product: Mortgage

While my husband and I were looking to sell our home and purchase a new home, his brother happened to also be looking for his first home at the same time. Our home happened to meet his need, so we decided to sell to him. His lender, XXXX XXXX with Wells Fargo Home Mortgage, stated on XX/XX/18 that in order for the final commitment to be made for his loan, XXXX XXXX needed to have " a 12 month payment history on the mortgage from the current owners ''. When trying to determine why our payment history is needed for him to get a loan, we were told by XXXX XXXX on XX/XX/18 that " When the sale is between relatives, XXXX XXXX requires the seller provide a payment history to show that the sale is not a bailout ''. I contacted my lender, my real estate agent, my lender 's underwriter, and other various people in the real-estate field on XX/XX/18 and none of them have heard of such a stipulation. When asking XXXX XXXX for what regulation this was under, we were told to read under XXXX XXXX XXXX   non-arms-length transaction section. Wells Fargo has it as a requirement for their loans because of this. But we were not provided the specific regulation number, nor does anyone we know understand why this is required of the seller whether it is an arm-length transaction or not. We were told the closing would not take place if we did not provide this documentation which put the purchase of our new home in jeopardy. In the end, I had to provide this information to XXXX XXXX with Wells Fargo on XX/XX/18 in order for the selling process on my home to be able to continue. I am still bothered by the fact that I had to provide this information when no one else in this field has ever heard of or done this before. We feel this is a violation of our privacy as our payment history has nothing to do with my brother in law 's loan and his ability to pay on it. I would like this invesitgated further and more information to be provided to me if this was a legitimate need for Wells Fargo to approve my brother in law 's loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX 2021
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$520.00} XXXX XXXX XXXX Balance : {$2500.00} XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I asked for verification of this debt with Leafy Financial. And if the debt is mine to verify that they are legally allowed to collect and how the debt was calculated. They did not respond to my request. I followed up 30 days later and disputed with XXXX and stated I expected more than their usual half hearted effort in investigating and to show details of who they spoke with and how they verified the debt was accurate. All I received from XXXX is that Leafy Financial verified the debt as accurate. But nobody has shown me the person effected by this any proof or information
Product: Credit reporting, credit repair services, or other personal consumer reports

DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS TransUnion : # XXXX XXXX XXXXXXXX EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACC OUNT. CONTACT CONSUMER AT ( XXXX ) XXXX XXXX : XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX.
Product: Debt collection

I informed the XXXX XXXX XXXX that they and Jefferson Capital System are trying to collect on the same debt. I have also informed my own State 's Attorney General of this in appropriate and double jeopardy they are causing Americans. If I have noticed this, how many other Americans has this happened to, and have just paid the amounts to feed the machine to make them richer?
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts. 3rd request..
Product: Debt collection

I received a voicemail on XX/XX/XXXX from a person named XXXX XXXX stating that there was a complaint notice that needs my immediate attention. I am to call XXXX and if there are any further attempts, they will contact my HR department at my employer. 

Upon receiving this message I called the number provided since I know I do not owe anyone past due debts. This was from an overdrawn checking account from XX/XX/XXXX which has been paid since then. XXXX is the representative that answered the phone and handled my phone call. The first time she hung up on me. Upon calling back she told me that there would be litigation and they are going to come after me. I informed her that this has been paid since XX/XX/XXXX and asked for a validation of the debt. She said they wouldn't provide it until court proceedings and I am not entitled to it until then. She then told me it was sent to their legal team after I repeatedly told her it has been paid. The company in question is XXXX and she would not give me the corporate address.
Product: Credit card

Dear Sir or Madam, I am filing this complaint to address significant issues with Chase 's handling of my XXXX XXXX XXXX credit card application ( Reference Number : XXXX ). Below is a detailed summary : Failure to Process Verification : My credit card application was initially declined due to an alleged risk of identity theft. Despite my attempts to resolve this issue through multiple calls and inquiries, and finally going through the whole verification process, Chase failed to process my verification despite assuring me that the verification process was successfully completed.

Moreover, Chase later claimed they could not find records of these calls. This raises serious concerns about their record-keeping practices, a lack of thorough investigationor possibly even dishonesty in handling my multiple inquiries. 

Application Expired Due to Chases Errors : My application expired on XX/XX/year>, due to Chase 's delays and mishandling, effectively denying me a fair chance to complete the process. 

Failure to Reopen The Application : Chase refused to reconsider or reopen the application. Ultimately, the resolution was to suggest reapplying, despite acknowledging the inconvenience caused. 

Inadequate and XXXX Customer Service and Complaint Handling : Chase 's Executive Office - script-read - voicemail ( XXXX XXXX, XXXX  ) and written responses failed to offer meaningful solutions or compensation. 

How This Has Affected Me : I was denied access to the credit card despite fulfilling all application requirements which impacted my business negatively. 
The back-and-forth caused unnecessary stress, time loss, and damage to my financial plans and credit inquiries.

Resolution Sought : A thorough investigation into Chases mishandling of my application.

Reopening and Completion of the Credit Card Application. Compensation for the inconvenience caused, including coverage for any negative impact on my business or credit score.

Assurance that Chase will implement better verification and complaint handling practices to avoid this in the future.

Supporting Documents : I have attached : - A copy of Chase 's correspondence regarding the declined application ( dated XXXX XXXX, XXXX  ). 
- Voicemail transcript summarizing the Executive Offices investigation ( XXXX XXXX, XXXX  ). 
- Relevant reference numbers and call logs. 

I hope the CFPB can assist in holding Chase accountable and ensuring better consumer protections for such situations. 

XXXX XXXX : XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

My company, XXXX , Inc. has been using WePay, through XXXX, for payment processing since XX/XX/XXXX, the date of the first payment processed. On XX/XX/XXXX, we received an email notifying us that 2 payments ( in the amounts of {$31000.00} and {$3600.00} ) were being withheld, and our account was being closed due to high risk of chargebacks and disputes. We have never had any chargebacks or disputes on the account. We are in good standing with the clients who sent these payments, and they did intend to send them. 

The email notice we received stated that these funds would be held by WePay for 120 days. The only recourse they provided was the option to file an appeal, which we have initiated. 

After receiving this email and initiating an appeal, we researched the company online, and have found many instances of this same practice, often withholding these funds for months at a time. These complaints seem to only be resolved after being reported to some outside body.
Product: Credit reporting or other personal consumer reports

NAME : XXXX XXXX XXXX : XXXX S.S : XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX HAVE THIS INFORMATION UPDATED TRANSUNION XXXX XXXX XXXX XXXX THANK YOU I SHOULD HAVE : 1 ADDRESS 1 NAME
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Incorrect Employers SELF EMPLOYED - Incorrect Employers XXXX XXXX XXXX - Incorrect Address XXXX XXXX XXXX - Incorrect Address XXXX - Incorrect XXXX XXXX, XXXX, XXXX - Incorrect Name XXXX XXXX XXXX - Incorrect Name
Product: Credit reporting or other personal consumer reports

15 U.S. Code 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 resulted from an alleged identity theft, not later than XXXX business after the date of receipt. It has been XXXX days and you are in VIOLATION of this law because i am a victim of identity theft!! Please delete these items IMMEDIATELY! 

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 report ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under 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 consumer I am demanding the deletion of the accounts list IMMEDIATELY! 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Payday loan, title loan, or personal loan

During the end of covis 19 pandemis.Struggling to maintain, out of work and credit score dropping.Recived a unsolicited laon check in the mail for XXXX from Marieiener FinanaceXXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX XXXXAlthough the origianl instrcution about the loan process were reported.Once the loan was deposit I never heard another word either written of by electronic for over a year.Almost a year to the date I recive a summons by the local Sheriff to a [ ppear in court for non payment of a loan..Along with every document that should have been recived prior to the first loan payment.there is no excuse for non payment other than my finanaical inability to pay, due to chronic unemployment.