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

I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has citied technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to my funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigation this matter to ensure my rights are upheld. Thank you.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I attempted to send {$750.00} through PayPal. The transaction status went to " pending/currently being reviewed '' immediately after I authorized the transaction. This is the same recipient that I had sent money to 4 times previously without hiccup. 

On XX/XX/XXXX, I received an email from PayPal asking for the date of birth for a person mentioned in the note that I sent along with {$750.00} ( see attachment ). Date of birth ( DOB ) is a piece of personal identifiable information ( PII ) that is protected by California Consumer Privacy Act ( CCPA ), and PayPal has no right to ask for this information without justification. 

I subsequently asked PayPal to cancel this transaction and return my money by sending several messages through PayPal app and two phone calls ( see attachment ). I was told that the transaction was under " compliance review '' and the compliance department does not talk to individual consumers like myself, or offer any explanation other than already provided. I asked for specific regulation or law that mandates PayPal 's " compliance review '', and was pointed to PayPal 's user agreement on PayPal 's website that gives one paragraph vague description of their payment review with no specific law cited that gave them justification to ask for DOB. I asked for an estimated time of completion of their " review '', and PayPal refused to comment on the timeframe, or offer any alternative solutions, or inform me of next steps. PayPal insisted on completing the " review '' for a transaction that I asked them to abort. PayPal did not give clear indication if or when they will return my money, if or when the transaction will go through. In the meantime, PayPal appears to intend to hold my money indefinitely. 

I did not purchase any goods or services from PayPal. I was trying to use PayPal as an online platform to send money electronically to a third party. PayPal failed to fulfil its services while holding money that does not belong to them. Customer communication was very poor, and PayPal is not acting in the best interest of consumers. PayPal is simply using " compliance review '' as an excuse to benefit itself.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. 

Inquiry from XXXX on XX/XX/2023. 
Inquiry from XXXX XXXX XX/XX/2023 Inquiry from XXXX XXXX on XX/XX/2023. 

I didn't apply for anything but it's showing in my credit report and it shouldn't be there. This is a fraudulent acccount
Product: Debt collection

The XXXX was on contract with my insurance to provide maintenance at no charge to me and only accept what the hmo paid. I had a XXXX XXXX problem ( my XXXX  were painfully loose and leaning every morning ) they submitted as a routine XXXX clean instead of medical. My insurance sent me a letter explaining I am not responsible for their error and I owed nothing. I then received a collection letter and responded immediately. I faxed the insurance verification that I owe no money. XXXX XXXX thanked me for the fax and said they would take care of it. The next morning, the collection was on my credit report They didn't even wait the 30 days the collection letter allowed to resolve the matter. Suddenly a collection was on my account. I received a letter last week from choice recovery verifying I saw the dentist. That was not the issue. The issue was the responsive party for payment. I called and they ignored my call. I can't ignore this because I started applying for a usrda loan 2 days before this occurred. I have documents to upload to verify.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  is in Violation of the FCRA and Privacy Act of 1974. I have not given XXXX XXXX Written Permission to furnish anything to my consumer report niether have I received a Privacy Notice from XXXX XXXX before they furnished there information as required by law 12 CFR 1016.4, 15 USC 1681 ( a ) ( b ) I can prove Wilful Noncompliance with the numerous about off complaints I have made which for every violation as shown on my consumer report is to be paid in the amount of XXXX $ per violation. 15 USC 6802 to 6805 grant us the opt out ability I opt out of all reporting done by XXXX XXXX on all my accounts as the information is inaccurate payment history is inaccurate as I never missed a payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opens my credit report and noticed my XXXX account says I was late on XX/XX/XXXXXXXX  and XX/XX/XXXXXXXX  I have never been late on this account
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to XXXX, Experian and XXXX on XX/XX/23 stating they were reporting inaccurate and incomplete credit information on my profile. I have yet to receive correspondence on their investigation and it has been 30 days.
Product: Mortgage

I work in the tradeshow and convention industry which has been decimated due to COVID-19. I am lucky enough to remain employed, so I contacted Bank of America and let them know that I would be paying ahead each month because I am not sure when our industry is headed. Each payment was applied ahead correctly since XX/XX/2020. On XX/XX/2020, I made a REGULAR MORTGAGE PAYMENT on the Bank of America website. The website asked if I wanted to make a regular payment or apply the payment to my interest, principal, or additional. I chose REGULAR MORTGAGE PAYMENT. The newly implemented Bank of America system incorrectly applied the payment to PRINCIPAL CURTAILMENT. I immediately called Bank of America 's mortgage department to address the issue. The representative apologized and assured me that this issue would be corrected within 48hrs. It has almost been a week, since that promise, and the system has not updated my payment. I have spent the past 4 days on hold with Bank of America 's mortgage department for 4+ hours a day with NO ONE ANSWERING, NO ONE RETURNING PHONE MESSAGES. I have repeatedly tried to send emails via the Bank of America online messaging center and have been met with no response. I have gone online to try and set up an appointment, but each day claims that there are " no appointments available '' for 30+ days via phone  and in-person. I have visited numerous Bank of America branches, and most of them have been closed in spite of their displayed business hours stating that they will be open. 

I have paid ahead in an attempt to be proactive, so that I do not end up defaulting or missing a mortgage payment. Bank of America has decided to run things their own way and apply payments where they feel like it completely disregarding the efforts of their customers. Moreover, they refuse to maintain communications with their customers.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to address repeated violations of the Fair Credit Reporting Act ( FCRA ) by XXXX as a fraud victim who had listed this with XXXX. My concerns include the following issues : 1. Blocking Credit Report Access and updates Behind a Paywall : XXXX has restricted my access to essential credit report features, including the ability to view or manage my credit freeze, without requiring a fee or subscription. Attempts to manage my credit freeze result in an error message stating : " Sorry, we're having trouble showing the status of your credit freeze right now. You can contact us during support hours via the live chat icon at the bottom of the screen, or by giving us a call at XXXX. '' This restriction violates FCRA requirements, which mandate free access to critical credit tools, including freezes and fraud alerts. This is recurring theme. 

2. Failure to Conduct Reasonable Investigations : XXXX has failed to conduct reasonable investigations into disputes I have submitted, despite providing supporting documentation. This lack of diligence violates FCRA 611 ( a ) ( 1 ), which requires a thorough review of disputed information. They block second disputes claiming unrelated first disputes are under investigation. The outcome virtually always leads to " meets FCRA requirements '' despite clear violations of creditors CDIA Metro2 compliance. CDIA Metro 2 is a standardized data reporting format created by the Consumer Data Industry Association ( CDIA ). 

3. Reinsertion of Deleted Inaccuracies : XXXX has reinserted previously removed inaccuracies into my credit report without notifying me as required under FCRA 611 ( a ) ( 5 ) ( B ). These inaccuracies misrepresent my creditworthiness and have caused financial harm. I've noticed this with former mortgage company reports and addresses that have been removed. 

4. Confusing and Conflicting Communication : XXXX has issued unclear and conflicting communications regarding the status of dispute investigations. This lack of transparency obstructs my ability to resolve inaccuracies effectively. 

5. Reliance on Flawed Software or Automation : XXXX appears to rely on flawed software or automated processes to manage dispute investigations. This results in inaccurate, incomplete, or inconsistent findings, further undermining the integrity of my credit report. It appears to favor the creditors.
Product: Bank account or service

Wells Fargo bank emptied my account without prior notice on XXXX/XXXX/16 to a collection agency claiming to have a court order. Wells Fargo refused to give any court order or docket information and only suggested that I contact the collection company. After suffering all weekend without a penny the collection agency finally contacted me on XXXX/XXXX/16. They claimed I owed a credit bill and produced a docket from XXXX County Court ; Docket # XXXX. I contacted the courthouse and this docket does not exists and no court order was given to take my bank account. Neither Wells Fargo or the collection agency contacted me they just took the money. Wells Fargo should have a legal and ethical responsibility to have included me in this process. As a result of their arrogance I have suffered and continue to suffer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two problems with XXXX XXXXXXXX. The first problem is me and my mother submitted an authorized user form on her account in XX/XX/XXXX so my credit report would be positively effected. We are now in XXXX and it has not showed up on my report yet! I have been getting the run around with this as at first I wasn't on there then I was then wait 30-60 days now they can't tell me anything more ... ... .. the second thing is I applied and was approved for the XXXX credit limit XXXX credit card around XX/XX/XXXX. I received the credit card via mail, I sent them the front n back of my license and ssn which I have never had to do for a credit card company as that should be on my application when I got approved. I called in checking on my mom 's authorized user status in XX/XX/XXXX and the woman told me my mother created a new account for me instead of the authorized user form. I informed her my mother only wanted me on her account as a authorized user and not a whole new card. The lady said no worries and cancelled that card she said my mom signed me up for instead of the authorized user. Turns out she cancelled MY XXXX card which had nothing to do with me being an authorized user on my mom 's account! So, they closed my card out before I could even really use it! That costed me XXXX points deduction on my credit report! I also have a hard inquiry on my report for no reason at all since they cancelled it without my permission! Is the whole XXXX XXXX  company a joke or are they trained correctly? I want this fixed!!!!!!!!
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX
Product: Debt collection

I have a debt collection on my credit report that I dont recognize and how is this account is reporting on my report. I dont recognize the account number I dont recognize the account status or the account high balance nor do I recognize the late payments associated with this. Everything reported here does not meet the FCRA according to 15 us code 1681 1681 b 1681 c 1681 c2. I been in constant communications with this company and they cant even provide information. I filed a report with the XXXX  and identify theft.com as well as put a freeze on all credit report bureaus but its still remains
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX/2017 - Present. 360 Mortgage has not and refuses to produce the original promissory and 'alleged ' loan instruments for inspection. 360 Mortgage separated the original promissory and 'alleged ' loan instruments, instead utilizing XXXX XXXX XXXX XXXX ( XXXX ). 360 Mortgage refuses production of its bond and charter to conduct business at XXXX, continuing to escheat my estate. 360 Mortgage 's continued unlawful practices is indicative of an occupational government and its rogue corporations. I intend to forward this submission and all correspondences to the united states ( Organic ) Attorney Solicitor for action.
Product: Credit card or prepaid card

XXXX XXXX actively promotes the " XXXX Members Program Preferred Financing Plans. '' The plans are as follows : Members of the XXXX Members Program can enjoy No Interest for 12 Months, 0.99 % APR for 24 Months, 1.99 % APR for 36 Months, 2.99 % APR for 48 Months, or 3.99 % APR for 60 Months. 

27.24 % Standard Variable Purchase Rate thereafter, if balance not paid in full within promotional period, which can occur if you fail to make a payment when due. * No Interest for 9 Months for U.S.  Outlet in-store purchases. 

No annual fee Standard variable Purchase APR of 27.24 %, based on the Prime Rate. Minimum interest is US {$2.00} per credit plan. 

* Minimum payment set for repayment within the number of months of the plan, sooner for smaller balances. Minimum payment due on the account will not be less than US {$30.00}. Minimum Interest Charge : US {$2.00} per credit plan. Subject to credit approval. If multiple items are  purchased on a promotional plan and they ship separately, each item will be placed on a separate promotional plan. XXXX XXXX Credit Card Accounts are offered by Comenity Bank which determines qualifications for credit and promotion eligibility. Offer subject to change without notice. 

I made several purchases totaling approximately {$30000.00} between XX/XX/XXXX - XX/XX/XXXX. The balances were separated into over 10 sub-accounts. I scheduled auto-payments of $ XXXX {$2500.00} / month to try to take advantage of the " No Interest for 12 Months promotion. '' I had figured the auto-pay would bring my balances down to XXXX over time to avoid paying interest. 

This month, I began to notice some irregularities on my statement so I called the customer service line to review. I was notified that there were a couple sub-accounts that were past their promotion period and that I would owe a full year interest on the original purchase amount at an incredibly high APR. I asked what I could do to avoid the issue from happening again and was notified that I needed to continue paying the large minimum payments ( which are arbitrarily set ) and submit a separate payment for each sub-account and then call directly to the call center to tell them which sub-account to allocate the payment towards. As it turns out, each of my payments were used to pay off ALL of the sub-accounts pro-rata, rather than allocated towards the ones that were coming due sooner to avoid interest. I was notified that there is no other way to do it. They also notified me that if they were to take payment directly over the phone that there would be additional fees charged. 

Not only is the promotional plan incredibly deceptive, Comenity has gone above and beyond in making it incredibly difficult to pay off balances to avoid interest. 

As a result, I paid off my full balance on XX/XX/XXXX because it would be impossible for me to try and manage this program - frankly, I still do not understand how the minimum payment is set and how the payments are allocated and interest is calculated.
Product: Credit reporting or other personal consumer reports

In XXXX on XXXX I did a dispute against professional collector corporation and they couldnt validate the debts with XXXX so the bills were removed. XX/XX/2023 professional collector corporation then and reported 2 bills. One of the bills is for XXXX in the amount of {$1600.00} I have not been to the XXXX XXXX XXXX since at least XXXX of this year and it was for a XXXX so I went to XXXX XXXX. So that bill doesnt exist. There is a second bill for XXXX in the amount of {$4000.00}. This bill was already removed off of XXXX since it couldnt be validated. It already shows on the bill that I disputed already which I did through XXXX. Now XXXX said thats fine that they will take the bill and it put on my credit without validating again. Which they cant validate since it doesnt exist. Professional collector corporation is very angry with me since they are trying to collect that was already paid by XXXX XXXX XXXX and XXXX XXXX XXXX is trying to double dip.
Product: Debt collection

On or around XX/XX/XXXX of 2023 I was contacted by email about a debt from XXXX XXXX with XXXX XXXX XXXX XXXX. Upon receiving this email we responded with questions about proving the debt and also a breakdown of what the charges are for. This was never provided and XXXX XXXX and his firm stopped replying as they were not able to prove the debt. 
In XXXX of the same year, we received paperwork notifying me that this debt was sold to another debt collection firm ( Lloyd & McDaniel PLC ) and they were also notified through email that no proof of this debt has ever been provided and that we already requested that this debt be validated. We never received any response from the second debt collection firm. On XX/XX/XXXX, we received an approved Judgement regarding this and we were never given notice nor given time to proof that neither debt collection agency could prove the debt.
Product: Student loan

Of course the XXXX plan is an absolute cluster right now at the end of 2024 ... but here was have Mohela emailing loan holders- " During periods of forbearance, interest continues to accrue. 

Please refer to the electronic notification, which can be found in your MOHELA account, for specific loan details '' Everyone on the XXXX plan has an interest of XXXX during forbearance. Why send this out? So people freak out and start paying again? 

All questions through their portals have gone unanswered for other topics over the past year.
Product: Debt collection

My son acquired a student loan but was unable to finish school. ( attended XXXX out of the XXXX months ) The school collected the entire amount of the loan. He defaulted on his loan and it fell back on me. I attempted to make payments but my wife was not working at the time and all of our bills fell on my shoulders. I contacted XXXX XXXX but they only lowered the monthly amount due by a few dollars. I contacted them again with no result. The loan grew to double the amount from XXXX up to XXXX. I 'm still on my own paying bills and can not afford the amount that they are garnishing from my wages every XXXX weeks. I have not received a raise in XXXX years. All of our medical, dental, vision, homeowners and automotive insurance is taken out of my pay. Water, electric, gas etc is also what I pay each month.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal complaint disputing the inaccurate reporting to XXXX, Experian, and XXXX  by XXXX XXXX, XXXX. 

Due to XXXX XXXX, XXXX reporting inaccurate information, it has damaged my good credit standing and caused me a tremendous amount of stress. The inaccurate information is a mistake on either youre or the reporting creditor 's part. Due to the mistakes on my credit report, I have been charged higher interest and wrongfully denied credit/services recently. Which was extremely inconvenient and embarrassing. I am attaching proof that this information does not belong in my file and/or is inaccurate and needs to be updated. I have reported this numerous times with a direct dispute to XXXX, Experian, and XXXX along with XXXX XXXX, XXXX. XXXX XXXX, XXXX continues to provide inaccurate information and report misleading details. I hereby request that you make these changes within 30 business days to avoid additional violations of the FCRA. This account has been paid in full for the amount of {$450.00} and continues to be reported incorrectly either as open, settled for less and listed as a charge off with late historical remarks. 

Please verify the inaccuracy of this information and delete it from XXXX, Experian, and XXXX  and provide me written proof that this has been completed.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours, stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provide consumers with the necessary proof of investigation.