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

On XX/XX/27 I transferred {$220.00} from my XXXX XXXX XXXXXXXX XXXX ) checking account to my Current ( XXXX XXXX XXXX ) checking account. 

Initially, it said it was approved. Then pretty much instantly I got another email saying it was denied. 

It left my XXXX account just fine, no issues on their end whatsoever as far as I know. 

It never appeared in my Current account, and my statement has two " failed deposit '' charges on it. Yet, they somehow took my money from my XXXX account. So, it appears it was a " successful deposit, '' from what I can see If it had " failed, '' I would certainly expect the money to have returned to my account after XXXX XXXX, yet it hasn't. And nobody can explain to me just where my money has gone, or is at currently. 

I've emailed both banks involved and XXXX assures me that the transaction was indeed successful ( which is what I expected, since the money left my account ). 

I requested to talk to a supervisor at Current and got back a message saying basically the same thing the first guy told me, " it was a failed deposit, so it can't be disputed. '' So I asked to talk to HIS boss, because that's ridiculous, and now they've ghosted me. 

There is a bit more though : I was initially told by Current that this happened because I had reached the limit for funding via an external debit card. So, I asked what that limit was ... to which I did not receive an answer. I DID however get emailed a new customer agreement in the midst of all this, which has a pointedly ambiguous section re : external funding limits, their policy being : " there are limits. '' OK. WHAT limits? I should probably know, if I'm hitting them. So I ask. And this is where the story magically changes from me having hit an external funding limit to me " not having sufficient funds. '' Which is it? I feel like the answer is, in truth, " neither. '' PLEASE help me hold this company accountable.
Product: Credit card

A SunTrust credit card was opened in my business name. I do not have records of me opening the card, I have never used the card, I did n't even know I had the card. SunTrust shut my card down ( I moved and did not receive the statements ) and reported it, now they are saying I owe almost {$300.00} and they have reported it and now my score is affected. I started calling in XX/XX/XXXX after I moved to try and cancel my account, that was when I was informed that there was an overdraft that I would have to pay to close the account - which I did. Then all of a sudden I receive this bill for almost {$300.00} and they said they have reported me and have tried calling - I live on the XXXX XXXX now, I never had any messages from SunTrust. The missed calls I had were all either when I was sleeping and working - and again, they never left a message. They have lost records of me calling and trying to fix this - since XX/XX/XXXX - and the last conversation I had - this morning starting at XXXX am and spanning multiple calls, including XXXX for over an hour and a half - resulted in NOTHING happening. They have not helped me resolve this in any way. I should not be paying for a card I had no knowledge of and never used - in money or on my credit score. Their customer service has been horrendous in handling this, with their reps arguing with me and withholding information. I did n't even know the credit card existed until XXXX this morning when FINALLY someone at a branch in FL told me. This has been a complete nightmare.
Product: Student loan

I have student loans with AES, this is the third time that I have had to file a complaint. Once again, before the student loan freeze is over, AES is sending me threatening letters about repayment. The two times previous they have had to remove the current charges, but in both cases, I have had to file a complaint with your office. At what point, does the CFPB reach with AES that it sees they are nothing more that a predatory lending operation? Even with the loans suspended, I have tried to continue to make some form of payment, but these people feel they are above the law. Once again, please enforce the freeze on these people, they can't seem to police themselves!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account, Account Name : XXXX XXXX XXXX XXXX XXXX 
Account Number : XXXX, Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXXXXXX Account Number : XXXX, Account Name : XXXX XXXX  Account Number : XXXX, Account Name : AXXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX  Account Number : XXXX, Account Name : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX, Account Name : XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account Name : XXXX Account Number : XXXX XXXX, Account Name : XXXX XXXX  Account Number : XXXX XXXX, Account Name : XXXX Account Number : XXXX, Account Name : XXXX  XXXX Account Number : XXXX, Account Name : XXXXXXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX Account Number : XXXX, Account Name : XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX  Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, has violated my rights. 

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

I Sent my letter off on XX/XX/2023. I told the credit bureaus to " investiage every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out and here is the Tracking # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 
They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. 
And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. 
Accounts XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX
Product: Credit reporting or other personal consumer reports

I was trying to purchase a house, I have damaging information on my credit profile, there should be no damaging information on my credit profile Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CC : CONSUMER FINANCIAL PROTECTION BUREAU AND FEDERAL TRADE COMMISSION RE : YOU HAVE VIOLATED THE USA LAW FAIR CREDIT REPORTING ACT 15 U.S.C & 1681g DEMANDING ATTENTION FROM LIVE REPRESENTATIVE!!!!

Im not happy with the way your company is handling my consumer report. I was a part of a XXXX breach and your company is still not securing my information. I have already filed complaints with the Attorney Generals Office in your state and my state about your illegal attempts to damage my consumer report. I've also made a complaint to CFPB. You sent me a letter stating that the accounts were verified but you said nothing on how the account was verified.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer.

Thereis not a possible way a debt can be validated under 15 U.S Code 1692g ( 5 ) ( b ). YOU ARE BREAKING THE U.S FEDERAL LAWS. You will be hearing from the CFPB about these violations. You sent me no documents or information that your company relied on to verify the account below. These accounts listed below are federal law violations and damages as a natural person. I am demanding your company to remove these accounts IMMEDIATELY As stated before, I am aware of the FCRA law. Considering your responds you are NOT in compliance with these laws. Ihave the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report.I do not consent you to use the e-oscar system to verify or look over this matter. Also it has been way past 30 days for you all to respond to my disputes which again is a violation. I DEMAND THAT YOU DELETE THESE FOLLOWING ACCOUNTS IMMEDIATELY Account : Account Number : XXXX XXXX XXXX fraudulent account XXXX XXXX XXXX fraudulent account XXXX XXXX  fraudulent account XXXX XXXX XXXX fraudulent account XXXX XXXX XXXX. fraudulent account XXXX XXXX XXXX fraudulent account XXXX XXXX XXXX fraudulent account Its your duty, mandated by law be in compliance with the laws.The furnisher never provided any proof to me that that account listed above was reported 100 % accurate. Im telling you that Im ready to initiate my own investigation by filing complaints with the Attorney Generals Office in my state and yours if the above items are not deleted ASAP.

Tracking everything CC : FTC, XXXX, CFPB XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

My wife took out a loan from Regional finance, she had a past due balance of {$840.00}, she was still making her regular payment of {$200.00}, she made payments in XXXX, XXXX and XXXX, today XXXX from regional finance called my wifes cell phone, he did not properly identify himself nor did he read the mini miranda to my wife, the first words out of his mouth " where is my money '' My wife responded " I already sent the payment for {$200.00} '' he replied " that is not our agreement, I am sending your payment back '' my wife was very upset and brought me up to speed on this loan, i then called back and spoke to XXXX, asked him for his full name he refused to give me his last name or employee id gave me the number to their corporate office, i called and left a message for someone to call me back, I received a call from XXXX XXXX who claims he is the direct boss for XXXX, i began to try and explain my concerns over this collector managers actions, telling him his collector is calling my wife every day dates of calls XXXX/XXXX/16 XXXX, XXXX/XXXX/16 XXXX, XXXX/XXXX/16 XXXX, XXXX/XXXX/16 XXXX, XXXX/XXXX/16 XXXX and XXXX he left messages both times on the same day " this is XXXX regional finance need you to call me now '', XXXX/XXXX/16 XXXX, XXXX/XXXX/16 XXXX and today XXXX/XXXX/16, that he is threatening legal action on XXXX/XXXX/16, they never filled legal actions after saying they will, then i tried to explain to the regional manger his collector told my wife because she did not send in the entire past due bal he was going to send her payment back, he would not allow me a chance to fully express my concerns he kept telling me to get off his phone he is to busy to talk to me, that his collector did nothing wrong, for me to get an attorney, called me buddy told him do not call me a buddy, im not your buddy do not disrespect me like that told me to shut up, then attempted to put me on a speaker phone so the entire office could hear the phone call told him he does not have permission to put me on speaker phone we argued and then he hung up on me, i called back and recorded the call he continued to argue with me telling me i had 5 minuets to talk to him, would not allow me a chance to express my concerns we continued to argue and he hung up on me again, prior to hanging up he used a XXXX slur against me, he also told me to shut up and that i only had 5 minuets to talk to him, all this and more is on a recorded line
Product: Debt collection

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 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: Credit reporting or other personal consumer reports

Date of Birth : XX/XX/year> Last 4 SS # : XXXX Credit Reporting Agency : Equifax XXXX XXXX To Whom it May Concern, Account name : XXXX XXXX I received a copy of my credit report. To my surprise, the credit reporting agencies are reporting this account incorrectly. This account is not only being reported as in collections, but also shows a past due balance of XXXX, and while reflecting XXXX ( zero ) late payment. Additionally the utilization percentage is also inaccurate as a 40 % of {$300.00} = {$420.00} not {$420.00} as reported by the past due balance According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account remove upon completion. 

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

Several times I have communicated with chase bank, XXXX and TransUnion to notify a mortgage account that does not belong me. The account reported in my credit is XXXX XXXX XXXX XXXX * XXXX. This account I try to fix this problem and sending the evidence that I found in XXXX XXXX county clerk. Even with the evidence XXXX XXXX, XXXX and Transunion do not answer to the investigation as the law required. I want that they present the evidence that they have or otherwise this account must be erased of my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX Account # XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX has all violated my rights with multiple attempts to resolve, nothing. 

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

The Deptartment of Education / XXXX XXXX and XXXX  XXXX XXXX are displaying Late Payment for 9 student loans that are currently in Deferment or Forbearance since last updated on XX/XX/2022. Both companies have been contacted and have updated their websites respectively to display accounts currently in good standing. The late payments are effecting my credit rating and I am requesting that they reflect the accuracy of the accounts currently.
Product: Checking or savings account

Capital one, is supposedly having a outage, which isn't allowing me to get to my money, which is direct deposited into my checking account with them. And I have bills that keep trying to get paid, and aren't able to, so I'm going to get late payments accrued. As well as dings to my credit report, and there's long wait times on the phone. No answers at all
Product: Debt collection

Profit Service Group is reporting a collection on my credit report on a debt that was paid to the original creditor.
Product: Debt collection

I am writing to once again dispute a phone bill debt that has been mistakenly attributed to me. This debt, which appears to have originated over 10 years ago, is not mine. I have reached out to your company multiple times in the past to clarify this, but the matter remains unresolved. 

To reiterate, I was incarcerated during the time the debt was incurred. As such, it would have been impossible for me to have made any phone calls or incurred any charges associated with the bill in question. Given the circumstances, I firmly believe that this transaction is fraudulent and that my personal information was used without my consent. 

I have consistently communicated this to XXXX XXXX, which I actually utilize as a XXXX XXXXXXXX today. I have not received any evidence to suggest otherwise. I am requesting that this issue be thoroughly investigated and that the debt be removed from my account immediately. I also ask that any negative impact this has had on my credit or other records be corrected. 

Please let me know if any further documentation or clarification is needed from my side to assist in resolving this matter promptly. I look forward to your response and hope for a quick resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a {$550.00} million dollar lawsuit against XXXX by the attorney general that ordered them to forgive the auto loan debts of consumers due to their bad business practices and predatory lending during the time frame starting from XXXX to XXXX. I had a vehicle loan with them during that time frame and was definitely a victim of their subprime lending amongst other bad business practices, one being them not properly providing all loan parties proper documents. Attached is a link regarding the settlement via the Attorney general. XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Hello, my name is XXXX XXXX, and I am writing to delete the following information on my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I have also enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. Based on, 15 U.S. Code 1681c2 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 days after the date of receipt.
Product: Credit card or prepaid card

The fraud is being committed by Capital One bank. Recently they changed from fixed to floating billing cycles but 'promised ' the due date would remain the same. There is no notification nor way to find out when a billing cycle ends. I had set up, for the first day of the next cycle a payment of over {$600.00} for utilities for several months ' billing. I wanted this had checked online for the date and determined for my account with its payment due on the XXXX, that a transaction on the XXXX would be the next cycle ; i even gave it a day. The slammed it on the last day and the bill is due immediately. They refused to do anything. I should not be allowed for them to NOT provide cycle information for this exact purpose. 

My consent was not given to have that charge show up on that cycle and all attempts i made to ensure this were overridden by their ability to whimsically place a charge on one month or another that far from a due date.
Product: Mortgage

This occurred on Saturday XX/XX/2020. 

I called my current mortgage company, Quicken Loans, and asked about current rates since I heard they dropped. I was interested in potentially lowering my interest rate. 

The first person transferred me to a specialist. The specialist quoted me a rate of 2.5 % as their rate for a 15 yr mortgage. 

The specialist then asked if I wanted they could pull credit to get the process moving to save me money. I agreed. 

The issue came when the specialist came back on the phone and failed to mention that the 2.5 % rate was only possible by paying a bunch money to get the rate down that low. It was a bait and switch. I never would have agreed to have my credit pulled if I knew I would have needed to pay a bunch of money just to lower my rate by 1 %. 

The specialist did not read any credit disclosures to me on the phone and did not mention there would be a hard pill on my credit and impact my score. 

Furthermore, I escalated to their manager and the manager said that none of their rates were that low unless you paid additional money. He said that the rep should have mentioned that. 

This is clearly a deceptive practice from the sales rep and was not in the best interest of the consumer to inform them of the information before making this decision. 

I am requesting that this credit pull be removed and the rep coached to prevent this from happening to additional customers.
Product: Credit reporting or other personal consumer reports

To whom it may concern : Upon reviewing my credit report, someone tried to open different credit card accounts in my name. This led to increase in the inquiries I have on my Equifax report. It is unfair for it to impact my credit in this matter, and I would like for this to be deleted from my credit report immediately because this is not accurate. I greatly appreciate you in advance Equifax XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX