23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The debt was being paid thru chapter XXXX bankruptcy. When we were dismissed from the bankruptcy, the HOA turned the debt over to a law firm. A judgment was entered for the debt. I contacted the attorney ( XX/XX/18 ) to dispute the amount that they said that we owed. I was informed by the attorney that she would speak to the HOA board and call me back. I never received any call back from the attorney. We were not provided with validation of the amount. Approximately 21/2 weeks later I discovered that both myself and my husband had been garnished at the same time without notice. This created extreme financial hardship because we were left with XXXX dollars in our bank accounts. I contacted the law firm and the paralegal denied that anyone had ever spoken to me even though I informed her of my telephone record ( the date and length of the call, 13 minutes and 7 sec ). The paralegal stated that they did not have my new address or any notation in the computer regarding me disputing the amount owed ( it was given to the attorney during the telephone call on XX/XX/18 ). She also informed me that both husband and wife are garnished at the same time so that they " can collect the max amount quickly for their clients '' and that they didn't care that all income was deleted and left a family in distress. Unfair practice used to collect a debt.
Product: Checking or savings account

Time is money ; Meaning they werent as prompt or as descriptive as they couldve been as far as explaining the policy until the last minute; assuming that I or the other customers already were aware of what their company policy is in this current year. Although it was better explained to all of us promptly and I depth later, I still feel that we should be $ $ $ $ compensated for our wait.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted a dispute 4 times to experian XXXX XXXX XXXX XXXX  adjusted and it came back that debt collector confirm the information being report is correct and its not I have provided screen shots and still nothing I am requesting to see what my next steps are with Experian they have done absolutely nothing to correct or delete the inaccuracies on my report They are clearly out of FCRA compliance I did not get nothing from the this company nor Experian
Product: Credit reporting

Someone stole my identity and had opened a XXXX XXXX credit card. I had opened multiple cases with Equifax to remove this fraudulent account from my credit file. Equifax always comes back with same response '' Account # XXXX The results are : We verified that this item belongs to you. Additional information has been provided from the original source regarding this item. '' This has caused my credit score to drop from XXXX to XXXX. 
Also this was the address used to open this fraud account : XXXX TX XXXX. I have never lived in this address. Equifax is not removing this address from my credit file. 

I had opened multiple cases to fix this issue, but Equifax never removes this negative account from my file. Below are the case numbers : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

By submitting this XXXX complaint today, I am requesting to correct the following accounts in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, the Credit Bureaus are obligated to finish your investigation within 30 days ; please do so, otherwise the Credit Bureaus will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : 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

According to Equifax, my account with XXXX XXXXXXXX XXXX is closed yet they keep reporting to Fico that it's open. Fico suggests that they delete the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/16 - I was scammed by XXXX XXXX. I filed a complaint with the Federal Trade Commission. The FTC and the State of Florida has halted the company at this point and filed a lawsuit. Please see attached link and documentation. 

XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXXXXXX were reflected as late payments on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
Product: Credit card

American Express has charged our account a late fee while an amount is in dispute and has marked our account late. The law states a credit card company may neither mark an account late or charge a late fee, interest and/or penalties so long as the amount disputed is in question. Yet, American Express repeatedly states to me they will remove the late fee and late statement AFTER the investigation is complete. This is contrary to law. This is an investigation of cyber fraud on our account which has taken several approaches, and this has been going on since XXXX 2013. Every 60 days we are removed from dispute status and put into late status. This also prevents obtaining the rewards earned, which is again wrong, and each month since XXXX 2013 we have pad all amounts we have charged in full. All we are asking is to pay what we owe and nothing more.
Product: Debt collection

Some small-time collection agency CCS Inc.is using illegal tactics by refusing to provide any debt validation despite my written requests to them to do so. They keep sending threatening collection notices for a debt that is not mine for {$110.00}. Not sure why they have chosen me for this or why they refuse to validate debt. Now they are threatening to crush my unblemished credit history by reporting this fake debt to the credit reporting agencies! Please help.
Product: Mortgage

Ocwen is the loan servicing company. They foreclosed on my ex and I had to take the property back in court in order to sell, to stop the foreclosure. The first buyer got frustrated with their lack of response and backed out. With the second buyer, we got them to approve a short sale. The problem lies in the fact that they have no letter of assignments proving they legally hold the note. I tried to work with their dept of consumer ombudsman, they sent a letter saying there is a problem and told me to stop calling and its not their problem if it isnt sufficient. I have nowhere else to turn, Ive lost time and money on a property that the bank made unsellable.
Product: Money transfer, virtual currency, or money service

Hello! 

On XX/XX/2022, I sent a bank transfer of XXXX XXXX XXXX from my XXXX account in XXXX to my account at XXXX XXXX XXXX XXXX XXXX. 

XXXXXXXX XXXX declined my transfer and sent the money back. But the money never went to XXXX XXXX XXXX. 

The whole chain is XXXX XXXXJP Morgan XXXX XXXX XXXX XXXX XXXX JP Morgan - .. payment not returned to XXXX... 

JP Morgan is an intermediarybankin this transaction and has been holding my funds since then XXXX XXXX XXXX declined my transfer and sent the money back. 

The XXXX number for this wire is XXXX I also made the request to XXXX, which sent a response that my funds were not blocked.

I also made the request to JP Morgan, but they answered me, that they are not permitted to assist me personally in this matter. Since i do not have a direct relationship with J.P. Morgan they are not permitted to provide specific details. 

I also sent repeated inquiries to XXXXXXXX XXXX, but they informed me that JP Morgan was not responding to their inquiries. 

I dont understand why I have to write requests to banks myself. Why can't they resolve this issue among themselves in half a year. 

I am more than happy to provide any additional paperwork required to get my well earned money back to my XXXX XXXX XXXXXXXX  accounts, though it's been now more than 5 months since the wire was sent, and I do not know what to do. 

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

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E.These actions have caused significant inconvenience and financial loss, and I seek appropriate redres for these violations.
Product: Debt collection

My name is XXXX XXXX XXXX and I an a client of XXXX XXXX Help debt collections agency whom is handling my accounts that I have with them to settle. One of my lenders who knows that I am a client of XXXX XXXX Help is consistency calling me and this Lender is XXXX XXXX. They have been sent the legal documents to there company informing them I am a client of XXXX XXXX help to for them to only to communicate with them concerning my debt owed. They are not doing what was asked of them in the documents that was sent to them. They call me everyday but I don't answer but I know its them that is calling everyday. this XXXX XXXX number that appears on my caller Id when they call it XXXX. So please I want o file a compliant against this company for harassment due they know they not suppose to contact me and are to only talk to my representative with XXXX XXXX Help
Product: Debt collection

DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY. 

LEGAL DISPUTE REQUESTING FULL DISCLOSURE OF TRUE TIMELINES PERTAINING TO TRADELINE PROCUREMENT, IN ADDITION TO ACTUAL PAYMENT HISTORY PROVING ACTUAL INITIAL DATE OF FIRST 30-DAY LATE PAYMENT HISTORY, THUS TRIGGERING THE 7-YEAR RULE THAT RELATES TO ERRONEOUS OR OBSOLETE INFORMATION. 
605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. 
( 2 ) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period.

( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years.

( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 1 ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.1 ( b ) Exempted cases. The provisions of subsection ( a ) of this section are not applicable in the case of any consumer credit report to be used in connection with ( 1 ) a credit transaction involving, or which may reasonably be expected to involve, a principal amount of {$150000.00} or more ; ( 2 ) the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of {$150000.00} or more ; or ( 3 ) the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal {$75000.00}, or more. ( c ) Running of reporting period. ( 1 ) In general.

The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action.
Product: Credit reporting or other personal consumer reports

I am writing to express my ongoing frustration and dissatisfaction with the repeated, unsuccessful attempts I have made to remove fraudulent items from my account. Despite my persistence and the compelling evidence I have provided, these fraudulent items continue to linger, adversely affecting my financial well-being and personal security. 

I initially identified several unauthorized and fraudulent entries associated with my account. These entries encompass fraudulent items, such as unauthorized inquiries, collection accounts and inaccurate addresses. 

In response to the discovery of these fraudulent items, I promptly initiated disputes through your official channels, presenting compelling evidence to substantiate my claims. I specifically requested the removal of these fraudulent items. However, my initial disputes were not resolved in my favor, and the fraudulent items remained on my account. 

Undeterred by the initial lack of resolution, I made several follow-up attempts to dispute and rectify these fraudulent items. I supplied additional evidence, communicated with your customer support, and sought further assistance from your representatives, hoping to correct this situation. 

Despite my continuous efforts, including this second round of disputes, the fraudulent items remain on my account, causing significant financial and emotional distress. Their presence continues to adversely affect my financial reputation and security. 

I demand immediate action to remove these fraudulent items from my account. A thorough investigation into their origin is necessary, and my account history should be updated accurately. I also request written confirmation once these fraudulent items have been successfully removed. 

Failure to address this matter promptly not only jeopardizes my financial stability but also erodes my trust in your organization 's ability to protect my sensitive information and manage accurate financial records. I am asking for your assistance to remove the following fraudulent 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Hello, a few months back I returned a bag I had purchased from XXXX. I returned it as the item was missing a strap and was just too small. A stuffed tortoise was with it that was too small for the gift it was intended for. I confirmed with them the package was received but the items not credited to my card. This was roughly {$300.00} or more. I disputed it with the company and got no resolution. I gave up trying to fight because I didnt think I had other options. Recently, I made a purchase and XXXX of the items was not received. I immediately wrote to them and alerted them. However, within a day they told me that they confirmed with the tracking information. My item was received. It was not in the box. This is another {$50.00} transaction. I am being billed for items. I dont have returned or didnt receive. I am interest on these purchases and I dont feel it is fair. I tried to resolve both issues multiple times without success. 


Please let me know what else I can do. {$350.00} may be a lot to some people, but its a lot to me.
Product: Checking or savings account

I am filing a complaint with CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. 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 laws, and I request your assistance in investigating my matter to ensure my rights are upheld. Thank you. 


Attachment showing my check supposed to be direct deposited.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT and I'm including it again. 
XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX Balance : {$34000.00}
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below. 
US DEPT ED XXXX Balance Owed : {$1800.00} US DEPT ED XXXX Balance Owed : {$1100.00}
Product: Debt collection

This company keeps harassing my credit report. I payed some of the debt but was disputing it because of some previous issues. They sent me back the check and then added the amount to my credit report saying I was late and dropped my score 22 points. I not am going to pay for a car I didnt drive for a month when I even told ally that the car was defective. Ally said I gave up the car in XXXX and that was incorrect. It was within 3 weeks of purchase date. I keep telling you guys that I didnt get a buyers guide from the dealership and a lot of info was omitted. Yet, you all purchased the debt and keep harassing my credit report. Can you guys stop harassing my credit report? Do I really have to search for a XXXX lawyer for you guys to stop harassing me?
Product: Mortgage

Filed a recent complaint pertaining to same issue. Dyck O'Neal has continued to erroneously report my account late for the last 2.5 years. I am paying them on time and have been for the past 2.5- 3 years. Balance is almost paid off and I am in the process of buying a new home and am not able to due to all the lates they continue to report every month. Every time I call customer service they are rude and do n't provide any assistance they only yell at me.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX late payment XX/XX/XXXX XX/XX/XXXX. 

Removing hard inquiries on my credit. 
Removing old addresses
Product: Credit reporting or other personal consumer reports

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

List of Unauthorized Inquiries : 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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

Well I got my last check from my employer went to deposit it in my bank sofi on XX/XX/year> so all you can do is mobile deposit they said it would be XX/XX/year> to be available so I decided to cash the check {$390.00} instead well since I endorsed it saying " mobile deposit to sofi '' I could not cash it anywhere. I deposit it assuming they would make something available but they did not so I reached out to an agent was told it will be available the XX/XX/year> ( see screenshots ) so I told my new employer I would be available on XX/XX/year> to start well the check did not clear it's showing in my account but account was negative so I get ahold of them again and they said sorry for the misinformation there is nothing we can do to expedite it itll be available XX/XX/year>. So I my employer I was misinformed by the bank being new not a good look. XX/XX/year> I received an email saying my account no longer needs attention it has been brought out of the negative new balance of {$340.00} so I thought it cleared well it still says negative {$50.00} and the check shows being deposited it's not pending nothing so I reach out again now I'm being told XX/XX/year> it will be available. So XXXX different dates from their agents but what is getting me the fact they were able to pay themselves back from my over draft the check cleared it's showing in my. Account im just not allowed to use it till they decide to let me I guess probably needless to say I now have to find another job be out of work that much longer. My bills come in every month on time I can't just pysh them back a day or XXXX then another day or XXXX just cuz I don't feel like paying them. How can they take my money to pay my overdraft off then hold the rest so I can't do anything get gas groceries anything.