23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting act these accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. 

XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have 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 consumerreporting agency can not furnish a account withoutmy written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reportingagency may make any consumer report containing any of thefollowing items of information Any other adverse item ofinformation, other than records of convictions of crimes which use to antedates the report by more than seven years.

15 U.S.C. 1681S-2 ( A ) ( 1 ) A person shall not furnish anyinformation relating to a consumer to any consumer reportingagency if the person knows or has reasonable cause to believe that the information is accurate.
Product: Credit card or prepaid card

XX/XX/XXXX I bought a pair of shoes from XXXX for XXXX on my XXXXcomenity bank credit card which i get a bill the next month XXXX and i paid that out of my XXXX XXXX account. I get a bill in XXXX that states that XXXX/comenity owes me XXXX and i thought that was odd but did nothing then i get another bill in XXXX stating i owe XXXX so i called XXXX and they told me to call comenity bank and i did which told me they gave me back in my XXXX XXXX account XXXX so i looked at my XXXX XXXX account and see comenity has never put any money in my XXXX  account. I call comenity again and they keep saying I owe them so i started a dispute with comenity bank which seems it's going nowhere I've called them many time in the last couple months and I've sent them copies of my bank statements .I 've even had my XXXX XXXX bank manager call them which he helped me start a dispute with them against comenity on XX/XX/XXXX that goes for 10 days .And now it's affecting my credit score and i'm very upset about that. please help me
Product: Mortgage

I been contacting my mortgage company regarding eliminating the PMI for the past 2 years. Although they agree that it should have been eliminated, it hasn't been. Each time I call, I'm promised that it will be removed but each statement since has included the PMI charge ( {$90.00} per month ). I'd like assistance in eliminating this charge & recovering the past payments. My primary contact at Bayview Loan Servicing is XXXX.
Product: Credit reporting or other personal consumer reports

I recently reviewed my consumer report and I noticed that there was one late payment on my account with XXXX XXXX  that I havent been late for. In addition to that, I have also noticed that several of my consumer rights have been violated in the midst of this late payment being added to my credit report. According to the Fair Credit Reporting Act ( FCRA ), as outlined in 15 USC 1681e ( b ), consumer reporting agencies are responsible for providing maximum accuracy when reporting consumer information, however my consumer report has an inaccuracy that I have attached below. In addition to that late payments are considered transactions due to the late fees that are associated with credit cards & according to 15 U.S. Code 1681a 2 ( A ) ( i ) consumer reports should not include information pertaining to any transactions or experiences between the consumer and the originator of the report. If this is the case, late payments that I am not responsible for should definitely not be reported on my consumer report! I am aware of several other consumer rights that have been violated and I am prepared to settle for civil liability damages that I have suffered as a result of your violations. Please investigate and provide proof with statements showing that these payments were late. If proof can not be provided, I ask that any late payments associated with XXXX XXXX  for the month of XX/XX/2024 be updated to paid as agreed on time and NOT DELETED so the account can remain active. Thank You! Please see the attached screenshot to view the late payments and inaccuracies that I am disputing. Your cooperation in this matter is crucial to ensure the accuracy of my credit report and to safeguard my rights as a consumer under the FCRA. I appreciate your prompt attention to this dispute and look forward to a resolution in a timely manner.
Product: Vehicle loan or lease

Received a tax bill from Chase Auto in XXXX of XXXX for XXXX XXXX XXXX. 
Property taxes of {$380.00} was paid on XX/XX/XXXX to Chase Auto. ( This is the attachment labeled : XXXX  ). 

Car was purchased from XXXX on XX/XX/XXXX after lease was up. 
In XXXX of XXXX received tax bill from XXXX of XXXX for {$350.00}. 
When questioning the town of this and showing them the {$380.00} was paid in XXXX they indicated Chase Auto should have only paid {$64.00} for the XXXX time frame and that a refund was to go back to Chase Auto and then come to me after it was paid to Chase Auto . Document labeled : XXXX shows this. This was mailed to Chase Auto and in speaking with them they indicated they received this in early XXXX and mailed the request form for repayment to my town Tax Collector. 

I am in weekly communication with the tax collector and to date they have indicated they have not received the signed form. 

I called weekly and sometimes multiple times to Chase Auto and I when I asked to speak with a manager they put on on who assured me it would be handled. 

I faxed the document : XXXX on XXXX. This is shown in the document labeled : XXXX 

I have not heard word back from her since then even though repeated attempts to inform her that the mail was never sent. 

I did speak with another manager on or around XX/XX/XXXX and spoke with a manager named XXXX and he advised that sending to an email address was the best method and that it was best to left in XXXX 's hands so the case didn't have to start over. 

I did verify the email address with him by having him read it back to me and we also confirmed that the mailing address for my tax collector was correct. 

I called back on XX/XX/XXXX to ask again and they told me my case was closed and when I asked to speak to another manager they told 48 to 72 hours on the call back. 

This is very frustrating as I keep being told different answers, from 2 to 4 weeks, to 12 weeks to 18 weeks. This is money owned to me that I put out. I don't understand how this practice is allowed and how they can take advantage of people that need that money. This has been hard times for a lot of us and it was money we put out to cover our bills but can use it back for paying federal and state income tax. 

I also want to know what penalties can be imposed on Chase Auto to correct their bad business practices. If there is another agency that I can contact after I am refunding what is owed me I would greatly appreciate knowing this. 

Thank You! 
XXXX XXXX
Product: Credit reporting

On XXXX XXXX, 2015 I submitted a dispute with TransUnion. However, TransUnion refused to process my dispute and requested the following items, a copy of my Drivers License, Bank Statements, a Cancelled Check, Pay Stub, and a Utility bill. I communicated to TransUnion that I do n't provide that type of information to private corporations such as theirs. Yet, TransUnion never ask me for any of these items before they reported this information on my credit report.
Product: Prepaid card

I bought a gift card in the amount of {$200.00}. I tried to use it in many stores, in person and on- line, was declined always. Was told by the company it is because it is not linked to a zip code. I requested a refund on XX/XX/XXXX, was told it could take up to 3 weeks. Still have not received it, every time I call to check on the refund I am given a different story by a different person. Still no refund.
Product: Credit card

I had a car rental with XXXX on the XX/XX/XXXX. My credit card got charged at XXXX, for a deposit of {$100.00}. On XX/XX/XXXX at XXXX I returned the rental car and XXXX XXXX XXXX  company sent my deposit of {$100.00} back to me. I saw the charge the same day I got the rental, but the charge disappeared. This is not good, because the XXXX company said the charge was done at XXXX. 

The charge on XX/XX/XXXX is gone, and not in my transactions history. Every transaction needs to stay on the transaction history ; thats really important. The CFPB said every transaction needs to be shown on the transaction history in the online portal. 

This is really interesting because the car rental company told me the transaction number, which is # XXXX. They are telling me that there was a charge and some type of transaction. 

-- -- -- -- -- -- -- -- -- -- -- -- -- - Also, I have one more similar topic.

-- -- -- -- -- -- -- -- -- -- -- -- -- - My next topic is that the interest transaction on credit card is also not showing up on my transaction history in my online portal. This is really weird because all the other bank portals show the interest charge transaction on the transaction history in the online account. The interest is only showing the amount charged in the monthly statements. It is not in the transaction history, which is needs to be, because it is some type of charge transaction to your credit card account. 

This topic is similar to my other one, because the transactions are not showing up in the transaction history on the banks online portal. CFPB says that all transactions need to be shown to the consumer. 

-- -- -- -- -- -- -- -- -- -- -- - The company is called FNBO Website is www.FNBO.com Number is XXXX
Product: Debt collection

Complaint : We have been in contact with Monterey Financial Services regarding a debt they are trying to collect on behalf of another company. Despite informing Monterey multiple times that the debt is under dispute and should be returned to its original creditor, they have consistently declined and insisted that we address the matter directly with them. XXXX XXXX is adamant that I settle the reassigned debt with them directly, despite my communication that the debt is in dispute. The original creditor has refrained from engaging in communication with us regarding the disputed debt and related issues, as the account is currently under the management of Monterey Financial Services.
Product: Credit reporting, credit repair services, or other personal consumer reports

My father has fraudulently filed for bankruptcy under my social security number in a different state.  XXXX  claims that they " verified '' that the bankru ptcy is mine after multiple disputes and sending proof that it isnt mine. It is not possible to verify this bankruptcy via US Bankruptcy Court of  XXXX  b ecause i have already called twice and they have stated over the phone that they DO NOT sent out verifications or have an online system for credit reporting agencies to validate bankruptcies.  XXXX  is in multiple violations of the FCRA and FDCPA.
Product: Checking or savings account

XX/XX/2022 I attempted to transfer funds from omy Amex Savings to one of my external bank accounts. The bank apparently does not do phone verifications, my transfer was not only cancelled, but blocked for fraud and my accounts closed. Both info matched both incoming and outgoing accounts, names, addresses etc. No fraud in the slightest. 

I was told I was going to be sent XXXX checks on my closed accounts. They never arrived. I had to fax account indemnity forms over and over before it was finally acknowledged they were received. Because the checks never arrived, I was told that I need to file a stop check and indemnity form for each account. Over and over I was told the forms were emailed, mailed etc but there was never an attachment. After finally requesting a supervisor, he personally emailed the form o to me. 

I filed a form for each account and again ... Nothing in the mail, no phone calls etc. Here it is XXXX, and this has been going on for long enough. 

Last communication was telling me I did not check the box asking if the checks were going to be reissued. Yes I left it blank because why would you ask me?? Of course I want the checks re-issued. I've been trying to get them for 6 months. I resubmitted the forms with the boxes checked and stiff nothing... not a call, email, letter, etc. 

This needs to be fixed. It has been long enough
Product: Credit reporting, credit repair services, or other personal consumer reports

While at my bank on XX/XX/XXXX, I was alerted by my credit monitoring service that there was a derogatory entry put out to my Equifax file tied to a collection company. At first, I was not able to determine the source of the collection, as I didn't owe anyone anything. When I got home, I immediately got on Equifax 's website to do a dispute. I entered all the correct information about myself, then answered all the security questions correctly, to prove who I was. Once in my credit file, I could see that a company, XXXX XXXX XXXX in XXXX, KS, was reporting a collection against me for {$26.00}. This was a fraudulent collection entry as I did not owe this money, so I went ahead and filed the dispute, only to learn a short time later, that this collection activity was due to the incompetency of their client, XXXX XXXX of XXXX, KS, for not having the correct address in my file. The bill in question was paid, in person, way back on XX/XX/XXXX, because I had not received anything in the mail from them. I was assured then, that she would pass on the updates, and that it was long before ever going to collection. I was " all set '' according to her. Come to find out on XX/XX/XXXX, that never happened, because XXXX had no records of such change. Again, the person at XXXX XXXX was supposed to have updated all parties with the correct information, but has no proof to provide she ever did. On Sat, XX/XX/XXXX, I got an email from Equifax indicating that my dispute has been finished, and to log in with the supplied reference number to view the results. I did as before, entered all of my correct information, as well as the supplied reference number, but this time I got a message that the information I had entered did not match what was in your system. So now, I've gone from bad to worse. I'm trying to buy property as well as a vehicle, but now I'm frozen, and am at risk of losing the property I want, as well as a promotional interest rate for the vehicle. All because XXXX will NOT correct their error. First XXXX told me on XX/XX/XXXX, they were going to expedite that correction with you, because it was their error, to then saying on XX/XX/XXXX, that you issued them a " cease and desist '' order, dumping everything on me. This whole mess is due to the incompetency of an office clerk at XXXX XXXX, and this collection company, who but the way, has dozens of legal complaints against it for this very type of activity. When I try calling Equifax, all I end up is being put through a series of phone options. NO HUMAN TO SPEAK WITH! According to the FTC, KS Attorney General, XXXX, bank, and others, XXXX is in violation of several FCRA, FDCPA Laws, to which they know, but don't care.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital Ones 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 consumers protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Debt collection

I initialized home insurance with XXXX but did not finalize. I decided to stay with my current insurance agency
Product: Mortgage

First, I 'm told by the bank contact provided that I will have an answer by XXXX XXXX. -- to the simple question I asked in XXXX. 

Then, I receive a notice that it will be XXXX XXXX. 

Today, I received a notice today that the bank will contact me sometime within 60 days. 

It took the bank TWO months to send a notice that they will respond sometime in the next TWO Months? What then? Another notice that the bank will take another 6 months to send another notice? 

This is not reasonable. The bank has the information -- they had it when the provided the work-out plan -- in XXXX XXXX and they had it when they sent the confirming paperwork in XXXX of XXXX and they had it when they sent the final paperwork in XXXX of XXXX. The bank is refusing to disclose essential financial information to me - the consumer. 

What purpose does it serve to not provide me with the proper, lawful disclosures of financial information? I did NOT ask to renegotiate or change anything -- I simply requested the specific numbers for principal, interest, insurance, and taxes.
Product: Bank account or service

I arrived home late tonight from a long trip and found that my internet cable connection and landline telephone service had been knocked out by a neighbor 's tree that fell in my yard. So I tried to get into my bank account through a mobile wifi device. However, despite the fact I have not asked JP Morgan to identify my computer, it insisted that it " did not recognize '' my computer and demanded that I call a phone number to get a code. I did so and wasted a lot of time answering idiotic questions, allegedly from " public records. '' Because I did not provide the answers that it wanted, they would not provide me the code to get into my account. I have been denied access to my account and money at JP Morgan for two or more weeks now. The data sources JP Morgan uses in this stupid little game are inaccurate ; I have no way to guess the right answers they want. 
JP Morgan should not be allowed to deny its customers access to their accounts by their fake " security '' procedures that do little to protect me from real cyber crime but reliably deny me access to my money and accounts. This is the worst kind of bad faith pretense of something that provides JP Morgan with an unreliable excuse for its bad behavior.
Product: Money transfer, virtual currency, or money service

I opened an XXXX XXXX XXXX account with XXXX XXXX  on XX/XX/2020. This was done online. I used the XXXX App to transfer {$1000.00} from my US Bank checking account to this new XXXX account. The money was withdrawn on XX/XX/XXXX. On XX/XX/XXXX I received an email from XXXX stating that the transfer could not be completed. I was instructed to contact the financial institution that the funds originated from in order to receive my refund. I have since talked to branch managers and customer service from both XXXX and US Bank. They tell me that my money is being held by XXXX ( a third party company they use for bill pay and online transfers ) However, not one of those three companies is able to return my funds to me. I even filed a dispute with US Bank on XX/XX/XXXX which the denied about 2 weeks later. I am at a loss as to how to proceed from here.
Product: Checking or savings account

I have been a Wells Fargo customer since about 2006. There have been countless times over the past 17 years that my account and/or debit card have been frozen, transactions were debited from my account in such a way as to overdrawn the account and cause me to incur overdraft fees, and a {$700.00} paycheck was even held for the weekend after they initially cleared it.The employer is XXXX and a Wells Fargo customer as well. Customer Service told me i had to wait until the funds " were collected '' before they could release them. I worked for XXXX for 4 years. I saw the 'back shop ' hold customer 's checks so many times for longer than was necessary, even longer than our policies suggested it be held. They are just as dirty today as they've ever been and if there is any way to hold them accountable, then I'm all for jumping on that bandwagon.
Product: Checking or savings account

Capital One, has our direct deposit from employer, but due to " technical difficulties '' they are unable to post and make available. Technical difficulties is an excuse, this has been a rolling problem, people are all over social media providing their experience since before the new year. Its an on going problem, and my family needs our paycheck. 

Second report : Back in XX/XX/year>, through bill pay function, one of my billers reached out to report nonpayment. Capital One deducted the amount from our account but never paid the bill, 2 and a half weeks later I only find out because I received notification of non payment. Problem was resolved then, Capital One refunded my account, but almost 30 days of hanging on to payment. Something is going on with them, and technical difficulties is not the reason. There are red flags in different areas. 

We are now in the process of transferring all accounts from Capital One, because they can not be trusted with customer funds. 
Thank you
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I have been a victim of identity theft. Unauthorized accounts and inquiries have been fraudulently opened or made in my name. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request the immediate blocking and deletion of these accounts and inquiries from my credit report. 
XXXX Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature.

I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report.

So I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please update my information to it correct, and obtain either, verbal or hand written verification directly from a person at that.

Please delete/remove the following accounts 1.XXXX   XXXX  2.XXXX XXXX  3.XXXX XXXX XXXX 4.XXXX  XXXX   5.XXXX XXXX XXXX 6.XXXX XXXX I have no idea where these accounts are from I was a victim of ID Theft. I am not sure if they are still using my name or not.