23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I have disputed an account showing on my credit report with Experian from XXXX XXXX XXXX XXXX in the amount of {$8100.00}. I have send XXXX XXXX XXXX letters requesting the contractual agreement with me and their company for that loan. XXXX on two occasion asked me to send them a copy of the credit report that is reporting this information. Each time I request the contract information they never able to send it. I then dispute this Item with Experian letting them know that I have no knowledge of this account with XXXX XXXX. Experian somehow able to verify that this account belongs to me. when I call Experian I was told that I have to provide proof that I try to reach out to XXXX XXXX asking for the contract and payment information or else I can not dispute this item again.I then send a copy of all the letters sent to XXXX XXXX XXXX XXXX along with the mail receipt showing that I did try to get them to respond to my request. All information that was send to Experian was via online Experian.com. Again Experian say that this account is verified by the creditor. Since neither Experian nor the creditor are unable to provide me with the information that I requested I need Experian to remove this item from my credit report. This account is showing that 150days late, collection and sold to another company. Please remove this account from my credit report.
Product: Bank account or service

While reviewing my personal checking account through BB & T I noticed an electronic check processing to XXXX ( XXXX XXXX ) and in the from section it had an unknown individual ( s ) from XXXX, VA and the account number on the electronic check was not mine. I have accounts payable to XXXX but they are not in this amount so I called BB & T and XXXX in the corporate office began looking into the matter. While I was on hold for several minutes I called my wife who is a joint owner of the account to bring her up to speed. After approx XXXX min. the BB & T associate came back on the phone and stated that he had begun an investigation into the matter. That the funds would be returned to my account by the next business day and the bank would cover any overdraft items. He inquired if I had any outstanding payments that would be affected by this debit and my response was not to my knowledge however I have taken the time out of my day to audit my account find your employers huge error, missed time at work, my wife 's missed time at work and the matter of distress that this has caused me and my wife to think that a banking institution can have an unk glitch in their system that indiscriminately takes money from one customer and pays the federal debt of another is a major problem and all my bank offers me is an apology???? But if I make an error you bang my account for an XXXX overdraft fee!!!! Unbelievable
Product: Credit card or prepaid card

I file complaint number. XXXX on XXXX XX/XX/XXXX Capital One payment investigation has repeatedly ignored complaint and keep answer with same rip-off vocabulary. Last letter dated XXXX XX/XX/XXXX indicated that that on XX/XX/XXXX and XXXX XX/XX/XXXX the payment was posted correctly. 
The problem is that that they have ignore the real complaint that is fail to post my payment for {$3000.00} as per copy of Electronic Fund Transfer Report from XXXX XXXX XXXX dated XX/XX/XXXX. 
On there letter dated XX/XX/XXXX, payment Investigation claim to have not hear from me with documentation requested, it is not truth, in fact they ask for Electronic Fund Transfer Report from my bank, I send it in a certify letter on XXXX XX/XX/XXXX. 
How ever they chose to ignore it. 
I am requesting Consumer Financial Protection Bureau to sanction Capital One for abuse customer. And requesting Capital One executive to fire the Payment investigation personal responsible. 
I am demanding Capital One to correct posting of my payment dated XX/XX/XXXX and reimburse my account for the interest charge since then. 
XXXX sending additional certify letter to capital One, Capital executive office, and other consumer protection agencies.
Product: Debt collection

Why bother claiming that you only provide the most accurate and verifiable information if you really dont? I requested proof of payment history. Where are they? You dont keep accurate records, do you? Let me tell you, according to the FCRA, you cant ignore a consumer 's request for an investigation ; you actually have to do it and send the results within 30 days. Your time is up and you didnt do your job. Take this off my file!
Product: Debt collection

My husband is approved for indigent medical care under XXXX XXXX. A division of theirs keeps calling and will not give name, but asks personal questions over the phone about who I am. I keep telling them to contact me via mail and they refuse. Their phone # XXXX in XXXX XXXX TN. They just say they are XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian/XXXX/XXXX  Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00}, XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00}, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX  XXXX CRP ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1200.00}, XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/2016, XXXX  XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$120.00}, ACCT XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$98.00}
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit reporting Act this creditor has violated my rights under 15 USC1681 section 6 o 2 states that 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 under 15 USC 1666b a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose. Yet my XXXXXX/XX/XXXXand my XXXX XXXX account reports as late on Equifax multiple times.
Product: Checking or savings account

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

I fell victim to an internet scam and was persuaded to transfer money from my checking account at Citizen 's bank to XXXX and from there to buy bitcoin and send it to a person pretending to be a professional miner. There were multiple transactions made and the amount totaled to over {$13000.00}. I filed three claims with Citizen 's based on the dates of the transactions. The first transaction was made on XXXX/XXXX/21 and the last was on XXXX/XXXX/21. I can attach the documents that show each of the transactions and the amounts if necessary. I was told that this scam is not covered under regulation XXXX and all of the claims were denied. I have a close friend that works for another bank and she is adamant that this scam is covered under regulation XXXX and that Citizen 's should be doing everything in their power to refund me the money. I was told that there is nothing they can do and am very upset and appreciate any guidance you can provide me with.
Product: Credit reporting or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and
willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Product: Debt collection

I am writing regarding a commercial loan that has been reported on my personal credit report. I believe this account was improperly added to my personal credit history. For my records and clarification, I am requesting the following information about this account : Account Information : Account Number : dont know Account Type : Commercial Loan Requested Information : The date of first delinquency on this account. 
The date of last payment made on this account. 
The date of charge-off, if applicable, for this account.
Product: Credit reporting or other personal consumer reports

I have submitted several different complaints that has not been addressed accurately. Complaint number ( s ) are as follows : TD Bank N.A XXXX XXXX XXXX I am the beneficiary and surety of this account and I have equitable interest. The company violated the Fair Credit Reporting Act by failing in numerous instances to assure subornation and recovery against the reporting agencies for frivolous reporting. They failed to ensure the accuracy of information reported to credit bureaus, leading to frivolous filings and inaccurate reports. This resulted in harm to my credit score, including denials of credit, higher interest rates, and reappearing late payments. Additionally, the company included unrecognized inquiries, concealed false information, and repeatedly reported inaccurate details. Their failure to maintain accurate public records made things even worse. Inaccurate and duplicated information, along with illegally listing charge-offs as income ( which should be reported to the IRS ) , and derogatory statements stemming from their inaccurate reporting, all significantly damaged my credit rating. To top it off, the company 's failure to disclose the source of inaccurate information from third-party vendors left me with no way to identify the source of the errors.
Product: Checking or savings account

I have an account with Charles Schwab. I sell items on XXXX and XXXX. I recently received a small SBA Covid assistance loan amount of {$5400.00} and my XXXX account has since been blocked. I use this account to pay my credit cards/expenses and to receive payments. I was given no warning about losing account access. How do I pay for things? I have called multiple times and no one will help me. I first called on Thursday, XX/XX/XXXX after trying to pay a credit card payment that was due and found I could not login to my account. I called again on Thursday. I also called on Friday. I kept being transferred to different departments. First, someone told me someone had tried to login from XXXX. Then they tried to help me reset my username and password, but that didn't work either. Then I was told my account was being investigated for fraud and the issue was above their pay grade. They have made me feel I have done something wrong and that I am a bad person, when I haven't done anything to deserve this treatment. I can't believe no one there can help me in a timely manner. I don't have days/weeks to wait to access my account. They have not asked me for any documentation of any sort, which I would have happily and quickly supplied. It would have been nice if they asked me for whatever they needed prior to blocking/freezing my account. There is just no sense of urgency, when there absolutely should be.
Product: Money transfer, virtual currency, or money service

My husband was contacted by a company from a remote job. They sent him a contract and electronic check for {$5900.00} to be deposited in my Chase account on XX/XX/XXXX. On XX/XX/XXXX, the check showed cleared and they requested we wire it to their IT center in XXXX, XXXX to get things going asap. I completed the wire for {$5900.00} with the information given to me. They said the amount did not have to include the {$25.00} wire fee. About an hour later we started researching the company and discovered the people we spoke to did not exist in their company and that it was a scam. I immediately called Chase and told my story multiple times since I was transferred blindly. I was trying to get them to stop the transfer. Finally the filed a recall on the transfer and gave me a claim number. The next day the check that I deposited came back as fictitious and put my account in the negative I received an email this morning from Chase that did not make sense so I called the number in the email. The XXXX XXXX XXXX told me that Chase asked XXXX XXXX for the money back due to fraud and XXXX XXXX asked the customer for the money back and they said no.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/XXXX and XXXX/XXXX/XXXX Springleaf financial services reported hard inquiries to my credit report. I have never applied for credit at springleaf. I have contacted the lender and have had no success on removing inquiries
Product: Vehicle loan or lease

This company has threatened harrrased and cohersed us to pay more ate fees interest charges and repossession fees after already paying repossession twice! 

The harassment after a cease and desist makes them liable for all penalties and they are harassing someone with a XXXX. 

I want this loan written off immediately and title sent. This has gone on long enough and they have charged 5 times the value of vehicle. If not stopped they will continue to take advantage of innocent consumers across XXXX.
Product: Debt collection

I had total XXXX XXXX on XXXX XXXX. My state XXXX insurance allows for XXXXXXXX XXXX sessions. I went to XXXX XXXX and the 3rd party billing was handled by XXXX XXXX XXXX XXXX XXXX ). I went to XXXX  2 times a week from early XXXX until mid XXXX and was told I didn't need to pay anything since my maximum out of pocket was hit. About 6 months later I received a bill for approx. {$3000.00}. I asked XXXX to provide a detailed record of visits and billing so I could reconcile with my insurance company. XXXX provided 3 separate bills indicating roughly 7 visits. I called XXXX again and asked for specific dates since XXXX couldn't reconcile properly. I never received the information needed. XXXX then sent my account to Medical Data Systems for collection. I spoke with them in XX/XX/2022 and they put one of the bills in Insurance status and I gave them the name of the person I spoke to at XXXX. Now they sent my number 2 of 3 bills out to collection ( all 3 for the same XXXX  provider ). I called Medical Data Systems and they can't do anything. I have not received paperwork from XXXX XXXX, just a phone call. I have been trying to clear this up for more then a year. Not sure what else to do. 

Thanks, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never applied for a loan/ credit with NetSpend . This inquire happened during the same time as another one from XXXX XXXX of which I did not apply for either.I have contact the company via phone and email to request them to stop pulling my credit without consent. I was told they would look into it and they have stop responding to my request. I never applied nor desire to do business with this company and they are hurting my credit with there hard inquires.
Product: Money transfer, virtual currency, or money service

The complaint claims that as a result of the XX/XX/XXXX data breach, XXXX XXXX personally identifiable information belonging to current and former Cash App Investing customers was made public without consent. A former employee who had access to the plaintiffs` personal information while working at Cash App also downloaded the data without my knowledge, according to the lawsuit. 

The Cash App XXXX XXXX XXXX is in response to allegations of security and data exploitation impacting millions of XXXX customers. XXXXlock Inc. has agreed to pay {$15.00} XXXX to resolve claims arising from data breaches that happened between XX/XX/XXXX and XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Data Breach Impact I am writing to urgently address fraudulent accounts that have been opened in my name due to the Equifax data breach. As a victim of this breach, I have identified several unauthorized accounts associated with my Social Security number, which I did not open or authorize XXXX XXXX # XXXX XXXX XXXXt # XXXX XXXX  XXXX # XXXX XXXX  # XXXX XXXX  # XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX  # XXXX In accordance with 15 U.S.C. 1681c-2 ( a ), I demand that this account be blocked and removed from my credit report within four ( 4 ) business days of receiving this letter. If you fail to adequately resolve this issue within the required time frame, I will consider taking legal action and pursuing damages of {$1000.00} per violation under 15 U.S.C. 1692k. This action will include claims for the following violations : Defamation of Character Negligent Enhancement of Identity Fraud Violations under 15 U.S. Code 1681o, 1681n ( b ), 1681b, 1681c, 1681a ( 4 ) Failure to comply with 15 U.S. Code 1692 ( g ) Violation of 15 U.S. Code 1681ii ( 7 ) ( Method of Verification ) This matter is extremely time-sensitive, and I appreciate your immediate attention to this dispute.
Product: Checking or savings account

FirstBank, XXXX XXXX, PR This has been going on for 4 months, 7 phone calls, and 3 e-mails. 
They just flat out refuse to get it right. 
At this juncture, I find myself wondering if an employee has stolen the disputed $ XXXX. 

In XXXX, I wrote a check on my LOC for {$8800.00} and deposited it in my local XXXX XXXX It was returned, unpaid, for " signature irregular, '' but charged to my account. 

Upon its return, needing the cash, I wrote a 2nd check for {$3800.00}. It was paid, but NOT charged to my account. 

The result is an erroneous {$5000.00} debt, higher finance charges, and an almost 100 point hit to my previously XXXX credit score. Proof of their error has been submitted multiple times, even including a notarized letter from my XXXX XXXX  proving their error, but the saga continues unabated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I put in a dispute was put in with Transunion on XX/XX/2023. I didn't receive the results of the investigation after 30 days. I then filed a complaint with the CFPB on XX/XX/2023 stating that Transunion was in violation of FCRA. The results were supposed to be updated within 15 days which would have been XX/XX/2023. I'm now filing a second complaint with the CFPB because it has been 24 days and i have not received results.
Product: Credit card or prepaid card

I accidentally made an overpayment of $ XXXX to my XXXX XXXX  ( Bank of America ) on XX/XX/2022. On XX/XX/2022, the account was transferred to XXXX XXXX XXXX XXXX XXXX. According to XXXX XXXX, they are waiting for Bank of America to confirm my overpayment so they can issue me a credit balance refund check. Their accounting department said the request to Bank of America 's account department went XX/XX/2022 but that Bank of America is not returning their calls. Bank of America won't let me talk to a customer service representative because I am no longer a customer.
Product: Credit reporting or other personal consumer reports

I sent a letter to the company stating that I believed my rights under the FCRA and FDCPA were being violated pursuant to 15 U.S.C. 1692g. In that letter, I asked for the purchase agreement bearing my signature to show that I am the owner of the debt. I have the tracking number to show that the letter was sent and delivered to the company 's address. When I did not receive a response to my letter, I filed a complaint via the CFPB in XX/XX/XXXX again requesting a purchase agreement to prove that I am the account owner or for the account to be deleted from all credit bureaus if that information can not be provided. The company responded on XX/XX/XXXX2025, and I still have not received the requested information. Under 15 USC 1692g ( b ), the debt collector must provide verification of the debt, including evidence that they have the authority to collect the debt ( e.g., proof of assignment or a contract with the original creditor ). Please provide me with proof of the assignment for you to collect on this debt and/or the contracts that were signed in writing by me indicating that I am the owner of the alleged accounts. If this information can not be provided, the accounts should be promptly deleted from my credit report or you are in violation of my rights under the FDCPA. This is my third request for this information and if it is not received, I will pursue a civil lawsuit for violation of my rights under the FDCPA and FCRA.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX  XXXXXXXX XXXX # XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.