23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/year>, I sent National Credit Adjusters a letter with the following request. 
I am writing to formally dispute the debt listed on my credit report in the amount of {$300.00}, being submitted as a collectible debt by your agency on XX/XX/year>. This information is inaccurate and I request that you immediately remove it from my credit reports. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. 

According to the Consumer Financial Protection Bureau, a debt collector must use at least one of the following ways to contact a consumer about a debt before it sends information concerning the debt to a credit reporting agency. You neglected to abide by consumer protection laws by not performing one of the following. 
Speak with the debtor in person Speak with the debtor by telephone Mail the debtor a letter and wait a reasonable amount of time ( according to the law this is 14 days ) for a notice that the letter was not delivered Send the debtor an electronic communication and wait a reasonable amount of time ( according to the law this is 14 days ) for a notice that the message was not delivered I have not received proper documentation verifying the details of this debt, including the name of the original creditor, the account number, the original amount owed, and the date of delinquency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed some negative items on my credit report with Experian on  XXXX   XXXX ,    2017  and on  XXXX / XXXX / 17  I received a email stating all my dispute was resolved and not was removed or corrected. I believed they never took the time to properly dispute my item. it was more then several items disputes, theirs no way they could have investigate my case.
Product: Student loan

there is no way of doing any corresponding online with your account. You are help to speaking only to them. I DO NOT have the hours to spend on hold to change my CC #. I have been trying for 4 weeks now and have been on hold for a total of 12.5 hours!!!!!!!!!!!!! That is insane on this day and age.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX Date Opened XX/XX/XXXX Balance : {$0.00}, XXXXXXXX XXXX MO XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}, and XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance : {$0.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX of XXXX I notified all three major credit bureaus of a breach of my personal information both through the Equifax Data Breach and the theft of my personal passport and affects on site at my work office. Late in the year I found that no locks were placed on my Equifax and XXXX reports. Identity theft including two fraudulent credit cards, a car loan and a car rental were placed in my name. Both Equifax and XXXX made it difficult to access my credit reports directly through their agencies, this was off for me because I could access Equifax through XXXX and XXXX  through a third party site as well. Over the last twelve months I have had to send correspondence requesting corrections to my credit report from incidents resulting from the breaches notified to their agency previously. On XX/XX/XXXX, XXXX and XX/XX/XXXX and XXXX of this year ( XXXX ) I have continued efforts to correct my credit report which resulted in majority of the accounts to be removed however Equifax denies my right to contest the 30+ inquiries that they refuse to block from my credit report that were allowed while I had a credit freeze on my report. My request for the reporting agency both Equifax and XXXX have yielded NO documented investigation practices, nor the results of the disputed inquiries. Upon calling the agencies they disclose that even thought the inquiries were fraudulent that they must remain on my credit report. I have provided the laws and regulations highlighted in my disputes and police reports and an FTC fraud report. All of which have proven to be unsuccessful in Equifax, and XXXX high and might oversees customer service team which refuse to correct my report.
Product: Checking or savings account

Holding my paycheck back Won't release my money on cash app
Product: Checking or savings account

On " XX/XX/2016 '' I purchased Identity Theft Protection. 

My member number is " XXXX '' and my order number is " XXXX '' Unwanted advertising and it was hard to turn off credit monitoring, as well as problems with canceling thr account.
Product: Credit card or prepaid card

CAPITAL ONE BANK USA is harassing me claiming I have a loan with them. Over the last 12 months I've corresponding back and forth with them to gain clarity on a loan they claim is in my name & social. After extensive research I learned this account was fraudulent & I filed an identity theft claim with identity theft.gov. I submitted the required report to CAPITAL ONE BANK USA along with a notarized affidavit claiming fraud. CAPITAL ONE BANK USA is still claiming I have any account with them & they're threatening to send me to collections ... I need this matter resolved ASAP & would like CAPITAL ONE BANK USA to close their files which have any information with my name & social on it ...
Product: Credit card

I am writing to file a formal complaint regarding Wells Fargo Bank 's failure to execute automatic payments on my account for two consecutive months, despite my autopay being properly set up. This has resulted in the wrongful imposition of excessive interest charges on my account, totaling {$43.00} as of the latest statement dated XX/XX/year>. 

I have attempted to resolve this matter directly with Wells Fargo on multiple occasions, but no resolution has been provided. The bank 's inaction and lack of accountability are unacceptable, as this issue has caused financial and emotional distress. 

I kindly request your assistance in : 1. Investigating Wells Fargos practices regarding automatic payments and interest charges. 


2. Supervising the bank to ensure the immediate rectification of this issue.

3. Issuing appropriate refunds for the wrongful interest charges applied to my account.

4. Ensuring Wells Fargo adheres to proper banking practices moving forward.

Please find attached documentation, including screenshots of my account details and transactions, to support my complaint. 

Thank you for your attention to this matter. I look forward to your response. 

Sincerely, XXXX
Product: Debt collection

I received another letter from Resurgent Capital Services. I have requested the proper documents to show and prove they are an Entity that is able to enforce a claim upon my person. I have asked for standard contract, receipts, bill of sales, these are easy to come by and provide to me. I will make it easy please send me the Date Of Late Activity?? My name is XXXX XXXX XXXX. I am requesting Resurgent Capital Services provided me with said account XXXX Ref # XXXX Can I see a Original date of default and collection activity begin, whether you purchased the debt, and if so, the amount, paid for the debt, the date the debt allegedly accrued interest? I do know the law and I can read both FDCPA and FRCA. I live in the state of OHIO we have a UCC LAW 1319.12 Taking assignment of debts and there are standards that you can look up XXXX IT! Once again I fail to see were Resurgent Capital Services is in compliance with OHIO law which is based on Federal LAW
Product: Money transfer, virtual currency, or money service

YOUR COMPLAINT Consumer Financial Protection XXXX are issued to all parties with authority to enforce federal consumer financial law. The Consumer Financial Protection Bureau ( CFPB ) is the principal federal regulator responsible for administering federal consumer financial law, see 12 U.S.C. 5511, including the Consumer Financial Protection Acts prohibition on unfair, deceptive, and abusive acts or practices, 12 U.S.C. 5536 ( a ) ( 1 ) ( B ), and 18 other enumerated consumer laws, 12 U.S.C. 5481 ( 12 ). However, these laws are also enforced by state attorneys general and state regulators, 12 U.S.C. 5552, and XXXX regulators including the Federal Deposit Insurance Corporation, the Office of the Comptroller of the Currency, the Board of Governors of the Federal Reserve System, and the National Credit Union Administration. See, e.g., 12 U.S.C. 5516 ( d ), 5581 ( c ) ( 2 ) ( exclusive enforcement authority for banks and credit unions with {$10.00} XXXX or less in assets ). Some federal consumer financial laws are also enforceable by other federal agencies, including the Department of Justice and the Federal Trade Commission, the XXXX XXXX XXXX, the Department of Transportation, and the Department of Agriculture. In addition, some of these laws provide for private enforcement. Consumer Financial Protection XXXX are intended to promote consistency in approach across the various enforcement agencies and parties, pursuant to the CFPBs statutory objective to ensure federal consumer financial law is enforced consistently. 12 U.S.C. 5511 ( b ) ( 4 ). Consumer Financial Protection XXXX are also intended to provide transparency to partner agencies regarding the CFPBs intended approach when cooperating in enforcement actions. See, e.g., 12 U.S.C. 5552 ( b ) ( consultation with CFPB by state attorneys general and regulators ) ; 12 U.S.C. 5562 ( a ) ( joint investigatory work between CFPB and other agencies ). Consumer Financial Protection XXXX are general statements of policy under the Administrative Procedure Act. 5 U.S.C. 553 ( b ). They provide background information about applicable law, articulate considerations relevant to the Bureau 's exercise of its authorities, and, in the interest of maintaining consistency, advise other parties with authority to enforce federal consumer financial law. They do not restrict the Bureaus exercise of its authorities, impose any legal requirements on external parties, or create or confer any rights on external parties that could be enforceable in any administrative or civil proceeding. The CFPB Director is instructing CFPB staff as described herein, and the CFPB will then make final decisions on individual matters based on an assessment of the factual record, applicable law, and factors relevant to prosecutorial discretion. 

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Product: Credit card or prepaid card

The issue revolves around the dispute of 3 charges of {$15.00} totaling {$45.00}. I have purchased three {$100.00} cards on XXXX ( XXXX ) which were fine. However the 3 x {$15.00} XXXX gift codes that came with the card were invalid. XXXX refused to address the issue blaming XXXX digital for it. 
Subsequently I disputed the purchase with Wells Fargo ( Acct # XXXX XXXX XXXX XXXX ) and I received the note that the dispute was resolved in my favor and {$15.00} instead of {$45.00} has been credited. When I called the CSR line that later transferred me over to dispute line, the issue was not resolved. The dispute person blamed the issue on " the system '' while attempting to re-open the case once more with details over the transaction. I have provided a very detailed account of the dispute including purchase details and I was astounded to hear that the dispute has not been addressed. Subsequently I was transferred to WF 's executive customer service line where I was mocked as the person on the other line, XXXX XXXX claimed she could n't hear me very well. I have made numerous calls that day and my phone line was completely fine as I could hear both CSRs and dispute dept person very well. 

The issues worth asking : 1 ) How many times does it take for WF to get a dispute such as this right? 
2 ) What is an appropriate amount of time WF feels its consumer can be put on hold? 
3 ) Where is the accountability to make sure that the dispute process is dealt with in honest and transparent manner and not in bad faith and deceptively? 

Resolution : {$45.00} credited to my account.
Product: Money transfer, virtual currency, or money service

I recently withdraw Bitcoins ( BTCs ) to be sent to my account on Coinbase on BTC address " whitelisted '' according my banks 's ( XXXX  ) procedure. 
- XXXX  requires crypto addresses to be whitelisted before allowing any transaction in/out of the bank - The whitelisting process requires a transfer of a small amount of cryptos from the source address ( Coinbase ) to a XXXX  predetermined address - I executed this transaction on Coinbase transferring the required little amount of BTC - After successful transfer of the above-mentioned small amount of BTC, XXXX properly whitelisted the Coinbase 's address used for the transaction - On XXXX, XXXX I submitted an order to XXXX, so to transfer my XXXXBTCs ( XXXX $ ) to Coinbase into the address generated by Coinbase and whitelisted by XXXX  My BTC never arrived at Coinbase ; asked for support, but still no answer received after several attempts to get one. 
Talking about XXXX $!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX - Account # : XXXX, XXXX XXXX XXXX - Account # : XXXX, XXXX XXXX XXXX - Account # : XXXX, XXXX - Account # : XXXX XXXX XXXX - Account # : XXXX XXXX - Account # : XXXX XXXX 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not know how this works, but I need it done or somehow corrected. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. I had some issues with myincome being effected by the XXXX PANDEMIC SHUTDOWN. I was under the XXXX CARESAct, Pub. XXXX XXXX, section XXXX, codified at FCRA section XXXX ( a ) ( XXXX ) ( F ) ( i ) ( I ), XXXX XXXX XXXX ( a ) ( XXXX ) ( F ) ( i ) ( I ). I am requesting some accommodations so I can protect the integrity of my credit file. XXXX XXXX # XXXX late payment reported on XXXX, XXXX XXXXXXXX XXXX XXXX XXXX late payment reported on XXXX, late payment reported on XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX account is reporting a XXXX late-payment after I requested assistance due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process
Product: Debt collection

On XXXX XXXX I received a notification from XXXX XXXX regarding an account with Southwest Credit System. I do not know this company and have NEVER done business with them. THIS IS FRAUD, I disputed this error on XXXX XXXX and it was immediately removed after this company could not produce a contract, deposit statement or any documentary evidence between us including my wet signature. This is a notice to cease and desist any further communications regarding this account immediately. This includes but is not limited to telephone calls, emails, social media or any Consumer Reporting Agency. Any further contact by your Agency or company, except a communication confirming your acknowledgment of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ). If you do not cease communication a lawsuit will be filed commenced against you. Thank you for your cooperation sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I am maintaining a careful record of my communications with you for the purpose of filing acomplaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX v. Trans Union Corp., XXXX. XXXX ( C.D.Cal. XXXX XXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the original application, contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible. Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days.This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g
Product: Mortgage

Please Help!! Have a Buyer for my home, doing a short sale with Rushmore Loan Management Services, who in turn, has us negotiating with there foreclosure law firm XXXX, XXXX XXXX XXXX, PC only to find out we have the short sale denied, we have countered with a higher offer but have been shut out with no further communication from there attorney. We have attempted to reach out to Rushmore Directly only to find out that they will not talk with us because we are in litigation, and will only talk to us if we withdraw attorney representation which would leave us unprotected. At this point I can not afford any additional attorney representation and my options are dwindling. I still have my buyer who wants the home who is willing to go higher in price.I believe that the reason there foreclosure attorney will no longer negotiate with my attorney is because they will obtain a higher fees if they foreclosure on the home. I have contractor estimates and photos to show Rushmore but they will not look at it, just by way of background this was with XXXX and then transfered to Setarus, and on the verge of an approval and was transfered over to Rushmore. I have even attempted to reach out to XXXX XXXX, Rushmore 's Ceo '' s office but would not be put thru.
Product: Student loan

I attended XXXX XXXX as well as XXXX  from XXXX to about XXXX between both schools I currently owe {$90000.00} in student loans. I havent been about to land a job with neither due to the school not being considered acceptable to a lot of different companies. This has really been hard for me as well as being able to even afford to pay the loans off. Can someone please help me with this issue! XXXX XXXX has closed down and has even made things worst for me when trying to get a job!
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCORDING TO U.S.C. Sec. 6801 PROTECTION OF NONPUBLIC PERSONAL INFORMATION ( UNITED STATES CODE ( 2023 EDITION ) ) ( a ) Privacy OBLIGATIONS policy It is the policy of the Congress that each financial INSTITUTION has an affirmative and continuing obligation to RESPECT the privacy of its CUSTOMERS and to protect the security and confidentiality of those CUSTOMERS NONPUBLIC PERSONAL INFORMATION. 

( b ) Financial INSTITUTIONS safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this TITLE, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the Financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards- ( XXXX ) to insure the security and confidentiality of customer RECORDS AND INFORMATION ; ( XXXX ) to protect against unauthorized access to or use of such records or INFORMATION which could RESULT IN substantial harm or inconvenience to any CUSTOMER. 
These Accounts have violated my rights by Reporting to my consumer report, which make NONPUBLIC PERSONAL INFORMATION..Public!

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
THESE ACCOUNTS HAVE CAUSED SUBSTANTIAL HARM AND CREATED INCONVENIENCE TO ME THE CONSUMER.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on this XXXX  XXXX account for months. XXXX  and XXXX  have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX. on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX  on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Product: Credit reporting or other personal consumer reports

In XXXX XXXX XXXX XXXX XXXX applied an annual fee to a credit card I never use and have not had a balance on in over a year. I called on XX/XX/XXXX to close the account and request the annual fee be removed to zero out my balance. I was assured that would be done. On XX/XX/XXXX I received an email stating that the account had been closed, as requested. XXXX weeks later I received an email stating that payment was passed due on the account. I checked and saw that not only had they not reversed the fee, on XX/XX/XXXX they added a late charge. I called on XX/XX/XXXX and spoke with a supervisor who assured me he would reverse the late fee and send a request to reverse the annual fee, that this would not affect my credit rating, and would be resolved in about a week, I asked for an email or letter stating this and he said he is unable to provide that. He did reverse the late fee, but I never heard anything about the annual fee and it remained on my account. XXXX XXXX added another late fee on XX/XX/XXXX. I called again and was transferred several times, I finally spoke with a supervisor that said he had reversed everything, account balance was XXXX, it would take a couple days to reflect in my account. He said he would file a report to investigate any negative reporting to my credit report and personally monitor it. It hit my credit report this week, dropped my score by XXXX points. I filed a dispute with Experian, and they sided with XXXX XXXX. So I will be calling them back and I suppose retaining a lawyer if I am not satisfied.