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

On XX/XX/year> I received a notice on my Wells Fargo online account that my checking account is going to become dormant with a {$19.00} balance and was informed that I have to stop into a local branch to close my account and recover my funds and if I wanted to collect the funds before it became dormant, or I had the option of reaffirming my account and keeping it. I went to the local branch to close my account and collect my funds only to be informed that I had to file a form that would be mailed to me. I never received such form. Now Wells Fargo has closed this account and made it dormant and is asking me to go to a branch AGAIN to repeat what I have already done! I am being given the run around, I want my cash! It's mine, give it back!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter to Experian and XXXX  requesting for further review as to why the US DEPT OF ED still reporting payment history on a " Charged off Account '' the section that shows late payments and CO should in fact be removed per the FCRA and FTC.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experians actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experians actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation.
Product: Debt collection

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , FL XXXX ATTENTINO DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX CONVERGENT OUTSOURCING XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CONVERGENT OUTSOURCING XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Product: Vehicle loan or lease

Capital One 's inconsistent billing practices lead to my account falling behind without my knowledge. This only came to my attention when I was attempting to purchase another vehicle and the credit report showed a series of late payments. I immediately called XXXX XXXX that day, XXXX XXXX, paid all monies owed in full via phone ( over {$2000.00} ), and then 2 days later put the account on " auto pay '' to avoid further problems. When I followed up with a representative from Capital One on XXXX XXXX ( estimate ), I was told that my statements had been " suppressed '' in XXXX XXXX. My credit score has incurred significant damage due to this one creditor. Over 20 other creditors show no late payments ever. Because XXXX XXXX did not inform me of the status of the account, it went past due on several occasions with no notification. I own two homes and have a combined income with my husband of over {$340000.00}, and our credit is excellent with the exception of this one account. Given our complex financial portfolio, I rely on receiving statements to pay our bills timely. I never agreed for my statements to be " suppressed '' and was completely unaware of this. I have asked XXXX XXXX to dispute this internally but I do not have confidence that they will reverse these reports with the Credit Agencies, and I ask for your assistance. Please have Capital One remove these late payment reports from my credit score. 
Thank you for your help and consideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint last XX/XX/2023 for the removal of the unauthorized and fraudulent inquiries but they are still reporting on my credit report. I submitted a complaint again dated XX/XX/2023 but it was immediately. This is why I'm reaching out again regarding these fraudulent inquiries and for assistance to remove them from my credit report immediately. I am not the one who initiated the inquiry. I am submitting a complaint regarding this inquiry and for assistance to REMOVE it from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I'm reaching back out because I have again tried to use my credit and was not approved because of things on my credit that is not mine. I contacted the FTC and my local police. There are even several bankruptcies on there that are not mine. I we.s advised by the Bankruptcy Court that do not verify bankruptcy and advised me to contact another company called XXXX XXXX. I spoke with them and they also verified that I do not have any bankruptcy. The other accounts on there that is not is Chapter XXXX and XXXX Bankruptcy, XXXX  XXXX and XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, In regards to the entry of : XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX, ACCT # XXXX - XXXX XXXXXXXX XXXX XXXX XXXX, AS OF XXXX XXXX, XXXX {$320.00} AT : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX I am disputing 100 % of this credit collection entry. I am demanding that this entry be removed and blocked asap from my name and personal information on file with the CRA. With the on-going XXXX security breach, it looks like you are continually allowing bad data to take over your records. Consistent identity theft is on-going and you are not providing the needed level of security to make sure the wrong information is not reported on my account! I will not stand for this. Look at my history with you, in disputing junk and erroneous information. This does not belong to me and you are again, aiding in ruining my credit profile with this erroneous account. 
XXXX seems to be the only CRA that is the least bit concerned about bad information populating consumers account. You are n't as much ... why? 
REMOVE THIS ASAP!
Product: Money transfer, virtual currency, or money service

Sometime before XXXX, PayPal allowed someone else to add my email address to their account. This has caused them to receive transfers going to me, and there is no way to reclaim them. 

On XX/XX/XXXX XXXX XXXX Rewards sent a payment to my email, which I didn't receive. I called PayPal support to ask about this ; they said there was nothing they could do and to contact the sender or receiver. XXXX doesn't have customer support so I can't contact them. I sent a money request to the receiver for the amount but never got a reply, and of course I can't contact them since it's my own email address. 

Just recently ( XX/XX/XXXX ) the request I sent was cancelled. This caused PayPal to send me an email with the other person 's real-looking name and real email address. This seems like an inappropriate disclosure of their personal info, even if they do have my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified these items listed below still remain 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. In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly UPDATE all information which can not be verified. Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA. Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. Please update these accounts, or inaccurate information, from my file immediately & send me the results to the address listed... 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS HAS NEGATIVELY AFFECTED MY CREDIT AND ABILITY TO MOVE AHEAD IN LIFE. TWO COMPANIES THAT WERE INCLUDED ON A BANKRUPTCY, WHICH HAS BEEN DISCHARGED TWO YEARS AGO IN FEDERAL COURT. 

XXXX XXXX XXXX BOTH FIRMS HAVE CONTINUED TO REPORT THAT ACCOUNT IS ACTIVE WITH AN ACTIVE XXXX AND IM MISSED PAYMENTS! 

BOTH COMPANIES WERE ON BANKRUPTCY AND WERE INFORMED BY MAIL BY MY ATTORNEY AND THE US FEDERAL COURT. 

I WANT TO SUE THEM. I HAVE CALLED BOTH COMPANIES IN THE PAST TWO YEARS TO EXPLAIN WHAT THEY ARE DOING IS BREAKING THE LAW, AS FAR AS REPORTING ACTIVE ACCOUNTS AND ACTIVE BALANCES. I DONT CARE THEY REPORT BALANCE WAS DISCHARGED THATS OK. THIS HAS PREVENTED ME FROM GETTING THE PETSONAL AND BUSINESS CREDIT I DESPERATELY NEEDED AND NEED ESPECIALLY DURING XXXX, WHICH CAUSED MY BUSINESS TO LOSE 75 % OF ITS VALUE IN THE PADT TWO YEARS. 

HOW DO I PROCEED WITH LIABLE LAWSUITS?
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the 3 credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The Company is Capio Partners. They have been harassing me about a medical bill that has been paid by my hospitals FAP plan. ( Financial Assistance Program ). This account seems to be brought out by 2 debt collection agencies and is appearing on my credit report. The hospital shows it was paid, but the debt collector does not have any information other than the charges, does not show breakdown of charges. dates, etc. This is effecting my credit and I do not want it brought out again by another debt collector.
Product: Mortgage

When NewRez cashed my XXXX mortgage payment and didn't apply it to my account, this caused a bit of a mess. It took over a month, but they finally applied the XXXX and XXXX payments correctly and waived the late fees. However, on the same day they corrected the payments, they added an extra debit to my account for unknown reasons. What this did was make my principal balance the same today as it was back in XXXX. This means that principal I paid for XXXX and XXXX did NOT get credited to my account. What is going on with this bank? How do they not give credit for 2 months of principal and what do they do with that money? I'm requesting an audit of my account over their total incompetence! How can you " fix '' 2 mortgage payments without doing it properly? Why should an ordinary citizen have to fight for proper math and be smarter than a mortgage company? I attached my payment history from their website and you can see the mistake plain as day.
Product: Credit card or prepaid card

I received a Paypal debit card in the mail. I did not apply for this card. When I tried calling Paypal to report identity theft, they could not help me because 1 ) the card was not activated yet, 2 ) I could not validate the email or phone number associated with the Paypal account. The only thing I could validate was my name and address on the account. ( Which Paypal confirmed they are using my name. ) I tried to explain that someone opened the line of credit using my contact information but then they are using their own email and phone number so how would I know what those details are? It is not me. It is unauthorized use of my name. I asked to get the account shut down, they couldn't do that. They can't help me since I can't validate the account number, email or phone number on the account.

I have frozen my credit with the 3 major credit agencies. I don't understand how someone could open a line of credit using my information. I was on hold for 1 hr 30 minutes and I spoke to 7 people at Paypal. No one could help me. I am trying to help prevent additional fraud using my name and information and they don't know what they are doing at Paypal. If you don't meet the guidelines to the way they have been trained to respond to your inquiry, they can't offer solutions and they don't know how to help.

This is the 2nd time I have experienced identity theft with someone opening a Paypal account in my name. The last time, it took 3 years and the help of a collection agency to clean it up. Even then, Paypal handled the situation very poorly and wouldn't help me get resolution. It took multiple phone calls, police reports, etc. Paypal treated me like a criminal and I was trying to help clear my name and help them stop the fraud. They need a better fraud detection / resolution process. They want you to notify them of fraud but their people aren't trained to offer proper help or solutions. Criminals have discovered how easy it is to scam Paypal.
Product: Credit reporting, credit repair services, or other personal consumer reports

My data may have been breached and the following accounts are not mine : {$11000.00} XXXX XXXX XXXX, L ( orig. creditor XXXX XXXX XXXX XXXX XXXX )
Product: Bank account or service

Key bank holds all transfers in from other banks and credit unions for XXXX business days before giving you access to the funds. I have a XXXX XXXX Card with Key. We have a XXXX checking at a Credit Union. We also have a checking account at Key, but have not been using it for XXXX banking for a year because the same problem existed there with holds for XXXX days. XXXX. We get checks for XXXX regularly. We have to deposit then disperse some of this money within a day. This was impossible with Key 's rules so we moved to the XXXX for the XXXX checking. Now when we do a bank to bank online transfer from the XXXX to Key to pay down the XXXXcard, Key will not release any funds over {$200.00} for XXXX full business days. I recently paid {$5000.00} to the XXXX on XXXX/XXXX/15. on XXXX XXXX/XXXX/15 I still could not charge anything to the XXXX. I needed to order a new laptop and XXXX could n't get the charge to go through. I finally switched to a personal XXXX CC so I could get the laptop ordered and on it 's way - to run my business. Key insisted this is their policy and they are within their rights and the law to do so. I feel this is a predatory, non-consumer oriented policy that is hurting small businesses like ours. I do n't have lots of cash sitting around to absorb these things. I have to make payroll, pay my agents, and pay my bills.
Product: Checking or savings account

Dear CFPB, I have submitted a formal customer complaint regarding the handling of my FSA account held with Optum Bank/Optum Financial , which was through my former employer, XXXX XXXXXXXX XXXX XXXX 

The catalyst for this complaint stems from the bankruptcy of my prior employer, XXXX XXXX XXXX, on XX/XX/2023. This unfortunate event has had a considerable impact on my FSA account as it currently holds nearly {$3000.00}. Despite my continuous efforts to resolve this matter with Optum since XX/XX/2023, I have yet to reach a satisfactory resolution. 

Throughout this arduous process, I have been shuffled between different departments and provided with an array of phone numbers to call for assistance. However, each call has led to further frustration, as nobody has been able to assist me effectively. In a last-ditch effort to find a resolution, I submitted an email complaint that was subsequently followed by several more, but to no avail. After waiting for weeks, I was disheartened to receive an email on XX/XX/2023, stating that my FSA funds had been forfeited on XX/XX/2023 - an action that was taken without my consent or prior knowledge. 

In hopes of finding some semblance of assistance, I immediately contacted their customer service line once more. However, the direction I received was dishearteningly familiar - I was given yet another number to call during certain hours, only to be met with unhelpful responses. Frustrated by the lack of progress, I requested to speak with a supervisor, and I was directed to a gentleman named XXXX. 

To my dismay, even the supervisor failed to address my growing concerns adequately. When I asked XXXX to document a formal complaint, as required by regulations, he callously directed me to complain to the IRS or file a complaint through an online process. Moreover, he dismissed my plea for assistance, leaving me to fend for myself. 

It is blatantly clear that Optum has unlawfully held my funds in the aftermath of my former employer 's collapse, without offering any substantial assistance throughout this ordeal. I find it imperative that Optum rectify the situation immediately by promptly repaying the FSA funds they have illegally withheld. I have spent a significant amount of time and effort addressing this matter. 

This unfortunate situation has added an unnecessary burden to an already tumultuous time in my life, marred by job loss/uncertainty and the loss of my retirement funds from my XXXX and shares held with XXXX XXXXXXXX XXXX XXXX Optum, as a proposed reputable financial institution, needs to take swift action to resolve this matter and restore my confidence in our banking and healthcare systems. 

I have kindly requested a written acknowledgement of the complaint, detailing the steps that Optum intends to take to address and rectify the situation outlined above. As of this written submission, there has been no resolution. 


Please let me know if you need any additional information. 

Thank you.
Product: Debt collection

I called the phone number for Waypoint Resource Group at XXXX on XX/XX/2018 a third time to inquire about the debt. Calls were made earlier in 2018. They have not called me back after several calls. I do not know who this or what the debt is about.
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX # XXXX XX/XX/XXXX -- {$3800.00} XXXXXXXX XXXX # XXXX XX/XX/XXXX -- {$730.00} XXXXXXXX XXXX  # XXXX XX/XX/XXXX -- {$2400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a capital one credit card on XX/XX/2017 and never received any more information other than that I had been approved for the card. Never received a card in the mail or anything. And now it shows up as a hard inquiry on my credit.