23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XXXX, XXXX, and XXXX, I wrote to Professional Placement and XXXX XXXX XXXX that they wrongfully sent out the bill and do not owe the money they have built. I also informed the Professional Placement Services in a separate bill that the debt is in dispute and I am in contact with XXXX XXXX XXXX to solve the issue. However, they chose to report the disputed debt to credit agencies which are against the law. 

Before Professional Placement Services, XXXX XXXX XXXX work with XXXX XXXX XXXX to collect the wrong debt and when I wrote them that the debt is not mine and I am disputing it, they chose not to report the debt to credit agencies. 

XXXX XXXX XXXX and Professional Placement Agencies chose to ignore my requests and continue to report the disputed debt ( wrongfully charged debt ) to agencies. 
Their illegal activities do harm to me and my credit reports and need to be removed from credit agency reports.
Product: Money transfer, virtual currency, or money service

I hope this letter finds you well. I am writing to formally file a complaint regarding an issue I have been facing with XXXX XXXX XXXX XXXX, a business with which I have a registered account. I have attached supporting documentation, including screenshots, to provide a clear overview of the situation. 

Wise deactivated my business account without prior notice or a valid explanation, and as a result, I am unable to access the funds currently held in the account. Despite several attempts to resolve this matter directly with the company, I have encountered significant challenges.
Product: Debt collection

Contacted the company and disputed the debt in question was not mine at all someone had illegally and with out my knowledge or permission opened the account. The company responded that they investigated and the account is not mine. They didn't and have not taken the account off my credit report and out of my name and that's what they're supposed to do so please get this removed off my report and out of my name
Product: Credit card or prepaid card

On XX/XX/XXXX and XXXX, I purchased {$3200.00} of flooring to install in my home. The agent did not allow me to inspect the products, but assured me that the flooring  would look like the samples in store and online. The products were delivered to my home and left outside in the rain when I was not present, on XX/XX/XXXX. 

I called the merchant the next day to complain that the goods did not match what was in the store or online. They admitted that the photos online are photo shopped, and offered to refund the products but not the return shipping cost. I said that was unacceptable, and that I would open a dispute with Visa. 

I spoke with an agent for my Chase Sapphire account on XX/XX/XXXX. She took my details and said that I didn't need to worry, they had everything they needed. 

On XX/XX/XXXX, I was sent a paperless notification that Chase needed more information. I was not notified of the message by email, but only saw it when I was checking my account balance. 

On XX/XX/XXXX, I spoke to a Chase Sapphire customer service agent. I submitted my email correspondence with the merchant, indicating that the products could be returned. I was again told that Chase had all the necessary details and that my account would be credited. 

I heard nothing from Chase at all. I called today, XX/XX/XXXX, and was told that the dispute had been closed on XX/XX/XXXX. I never received any indication of this. 

I am now worse off than if I had called Chase. This should be resolved, and Chase should be admonished for its misleading handling of a customer dispute.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute my federal student loans and request a full discharge due to a serious breach of my personal and financial information. My information was compromised without my authorization, which violates multiple federal laws designed to protect student record and personal privacy. 
Under the following legal protections, my information should have been safeguarded : XXXX XXXX XXXX and XXXX FERPA ) : Ensure the confidentiality of student record and probits the unauthorized disclosure of personal information. 
XXXX XXXX XXXX ( XXXX ) Establishes the responsibility of educational institutions and loans servicers to protect student data. 
Privacy Act of 1974 : Prohibits the unauthorized sharing of personal information held by federal agencies. 
Breach of XXXX : The unauthorized sharing of student loan borrowers personal and financial information with third parties, including XXXX XXXX, constitutes a violation of the contractual obligations to protect borrower data. 
Given the severity of this data breach and failure to uphold federal protection, I formally requested the immediate discharge and cancellation of my student loan debt in full. Complete removal of all advantage related entries from all three of my credit reports. 
Please provide written confirmation of receipt of this dispute, as well as information regarding the next step in the resolution process. 
I appreciate your prompt attention to this matter and look forward to your response.
Product: Checking or savings account

On [ XX/XX/year> ], I deposited a State of Washington Unclaimed Property check ( # XXXX ) for {$22000.00} via Wells Fargo ATM ( receipt attached ), which their system shows as fully cleared ( see available balance screenshot ). Despite Regulation CC requiring next-day availability for government checks over {$5500.00}, Wells Fargo : 1 ) Illegally held {$16000.00} for 5 business days ( exceeding the 2-day max ) 2 ) Falsely claimed the hold was because the " deposit is over {$5500.00} '' - a violation of 12 CFR 229.10 ( c ) ( 1 ) ( vii ) 3 ) Now refuses to release funds despite the State confirming no reclaim exists ( see warrant documents ), violating UCC 4-215.

Their ATM receipt proves willful non-compliance with federal law, while their closure letter admits they're 'awaiting ' a non-existent request. Demand immediate release plus {$1500.00} in penalties for these violations.
Product: Credit reporting or other personal consumer reports

I was shocked to see inaccurate accounts on my credit report this morning, and I cant understand how they got there. I check my credit report regularly, and today I noticed several unexpected discrepancies that just dont make sense. I even tried refreshing my browser, hoping it was a simple glitch, but the incorrect accounts stayed right where they were. This has really unsettled me, and Im requesting a thorough review of the documents Ive sent to ensure this never happens again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Experian in reference to inquiries that I saw on my report that does not belong to me. As a consumer I have been doing due diligence to watch my credit. They said they would help me with the inquiries. I know as a consumer that each inquiries reflects at least 2 to 5 points from your credit. Experian removed my inquiries in the amount of 20 inquiries yet they did not move my score. I find that the credit bureaus are showing discrimination actings towards XXXX Americans. This is blatant truth because my score stayed at XXXX and has not moved since they took the inquiries off my credit. Im am taking this evidence and filing a lawsuit for discrimination to this consumer.
Product: Credit reporting or other personal consumer reports

This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained these results. Did you receive written notification from the company or was it a verbal confirmation? Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 


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

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL, XXXX XX/XX/XXXX TRANSUNION SOLUTIONS XXXX XXXX XXXX XXXX, PA, XXXX Subject : Dispute of Inaccurate Information on My Credit Report To Whom It May Concern, I am writing to formally dispute inaccurate information that appears on my credit report as prepared by your agency. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, I am entitled to dispute errors and request an investigation into the accuracy of the information.

The specific item ( s ) I am disputing are as follows : 1. [ Creditors Name or Account Name ] o Account Number : [ Provide account number if available ] o Dispute Reason : [ Briefly explain why the information is incorrect. For example, " This account was paid in full, '' or " I have no knowledge of this account. '' ] I have included copies of supporting documents ( e.g., payment receipts, correspondence, or statements ) that substantiate my claim. Please review these documents and conduct a thorough investigation into this matter.

If the disputed item ( s ) can not be verified or corrected, I respectfully request that it/they be removed from my credit report as required by the FCRA. Additionally, I would like a written confirmation of the results of your investigation and an updated copy of my credit report.

Thank you for your prompt attention to this matter. Please feel free to contact me if additional information is required. I can be reached at [ Your Phone Number ] or [ Your Email Address ]. 
Sincerely, XXXX XXXX XXXX
Product: Credit card

I recently filed a complaint about this credit card company and their fraud team. They had placed a fraud hold on my account and refused to lift it until I made a XXXX way call with them on the line with my bank. Capital One kept saying they needed to confirm with my bank on the line that it was me making the payment. I filed a complaint with CFPB. I did not feel comfortable having a complete stranger on the line while I gave my bank all of my personal data to get access to my bank account. After they responded to the complaint, I spoke to a gentleman in the fraud department. He took the restriction off my credit card and put a request to open my Quicksilver card. The restriction on the card was lifted but another restriction is on the account now and Capital One keeps saying that the card is closed. It has been escalated to a supervisor XXXX or XXXX times already. 

I opened a CD with Capital One and I also opened a new Venture card. On XX/XX/XXXX I made a payment off {$1000.00} on my Venture card. My balance reflected the payment but not my available credit. I called Capital One and spoke to XXXX, a Senior Supervisor ID XXXX. I told her I was not a new customer to Capital One. I have had credit cards with this bank for several years. I have used the same checking account to make payments before, I have a CD and a high yield savings account with this bank as well. She told me it didn't matter what I had with Capital One that since this was a new card it was treated as a new account and it didn't matter how long I was with Capital One or what products I had. 

They had placed a 7 day hold on my available credit even though they already had the payment. I switched all of my automatic payments to this card and transactions were being denied because of the available credit. XXXX forced me to make a XXXX way call with my bank where she got to hear my account balance and full debit card number. I told her this was how fraud happens. She justified it with " We are your bank ''. So I guess because it's my bank I can give all of my personal information to them at their leisure? After the phone call with my bank XXXX reads disclosures she was supposed to have read before listening to all of my personal data with my checking account. 

The payment was verified and the hold was lifted. I made a second payment of {$1000.00} on XX/XX/XXXX. The same thing happened. I called Capital One XX/XX/XXXX and was transferred to fraud. I spoke to XXXX ID XXXX. Nobody can tell me why there is another hold on my payment. They won't release the funds unless I make another call with my bank so a complete stranger can listen to how to get access to my checking account. 

I want to know what is up with this bank? Are these practices legal? Does Capital One want to alienate its customers? 

I thought this whole ordeal was resolved with my first complaint and that's why I had opened a CD and a high yield savings account. Had I known nobody fixed anything, I would not have done that. Now I am stuck with a Venture card that I can't use because they keep placing fraud hold on it and my Quicksilver card is still closed and restricted.
Product: Debt collection

Good day I have submitted letters of validation to Ally Financial with in those information I asked this company to not personally communicate with but to do everything online on CFPB site even after letters was sent Ally Financial has called my cellular device I find that as a nuisance. I feel my right have been violated and this company has over stepped the the law and communicated with when I specifically ask them not to 15 USC 1692c s805 communication in collection with debt collections I feel that they called me under ill will and the law states " If you think a debt collector has violated your the FDCPA, you can sue them for damages.if you prove a violation has occurred, you may be awarded {$1.00} in damages, plus additional compensation for any actual harm they caused. If you win the collector may also be responsible for paying your lawyer fees and cost. 
Attach is picture of call log happen XX/XX/24 @ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I found lots of inquiries that i have no knowledge about it. and a wrong payment status in my report.
Product: Money transfer, virtual currency, or money service

I paid XXXX thru Venmo to an individual for a place to rent. The place was advertised on XXXX. I now know the individual should have registered as a business account. Venmo needs to do more to verify the accounts they allow to use their services. The individuals name is XXXX XXXX. He had me make the payments to XXXX. XXXX XXXX email address is XXXX. I moved to AK with the intent of moving into XXXX XXXX XXXX XXXX. I had verified XXXX XXXX owned the property thru the XXXX XXXX website. Upon arriving in AK, I went to the residence. XXXX XXXX doesnt own the property and someone else lives there. I am in desperate need to get my money back, to be able to find a different place to rent.
Product: Credit reporting, credit repair services, or other personal consumer reports

You are reporting a DELETED account from other bureaus. Per FCRA, reporting must be 100 % accurate or IMMEDIATELY update the account as soon as possible. 
XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit card

Community capital bank is holding my credit. We proved the timing and the credit of XXXX XXXX I want to zero the account so I can close the account. 
The bank has to many fraud complaints.
Product: Credit reporting or other personal consumer reports

To Whom It May Concem, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : inquired on XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX for a auto loan I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 168lb ( c ) and a serious breach of my privacy rights. 
Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.
Product: Credit reporting or other personal consumer reports

My personal information was bought and sold illegally because i was a victim of the Equifax data breach. I want these items Deleted from my Equifax credit report effective immediately. Equifax did admit that in fact i was a victim of their data breach and Equifax has done Nothing to help me. Please help me delete these illegal account inquiries from my Equifax credit report. 

I requested Equifax to investigate them and remove them, but Equifax did NOT investigate them properly and did NOT remove them. 

This an FCRA violation. There is a class action suit and proposed settlement for the data breach and I am applying for the civil penalties fund at the CFPB. Since they were not removed i am entitled to be compensated under the victims fund. 

The following inquiries were not placed by me. I did not authorize them. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I signed up for a checking account based on a promotional offer that was advertised online. I met the necessary requirements to receive the advertised bonus, however, US Bank stated it was a direct marketing campaign and was only valid for targeted individuals. I believe this was intentionally deceptive advertising as I think any logical consumers would consider themselves to be targeted if it was advertised to them online. 

Below is the excerpt they stated disqualified me from receiving the bonus despite meeting the requirements : " This offer is valid for the intended recipient only and is not transferable. Restrictions may apply. Promotion code may only be used once. Bonus will not be paid if promotion code is retrieved by unintended recipient or if promotion code is retrieved from a deals website. '' I requested a review of my account which was decided on XX/XX/2023 when they stated I was not an intenteded recepient of the offer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a Kohls credit card and they declined me based on the decision that it could of been fraud. I called them after I applied to get a decision they should of known it was not fraud. I recently called them back to at least have the inquiry removed since they did not attempt to give me credit and was told there was nothing they will do. How can a company pull your credit which puts a inquiry on it and they did not even check if i qualify for credit.
Product: Credit card

Firstly, I had to call their customer service at least 24 times and file 2 CFPB complaints before these guys told me that I cant request a direct deposit for my rewards. They wasted countless hours of my time by simply asking for the same information again and again and filling out the same forms again and again.

Secondly, now it has been way past 90 days. I submitted another request on XXXX and followed up on XXXX, both times I was told that the direct deposit will be in my account by XX/XX/XXXX. Today is XX/XX/XXXX and still no sign of the direct deposit. When I called, the first agent told me that he can see the request but I need to wait another 15 days for the direct deposit. When I asked for a supervisor, she was even worse. I asked her what happened with my previous request and without telling me she started filling out a brand new request without giving me any answers. The she proceeds to hang up. When I asked her the same question for the 10th time then she lies to me that my previous request was in XXXX which was not after 90 days. When I told her that she was incorrect and that the latest request was on XXXX which was way after 90 days, her answer is that she cant see that request and starts hinting that I am making this up. She wont give me one straight answer. I have attached a copy of their previous lies where they told me that I wont face any issues if I submit my direct deposit request after 90 days. 

This simply shows how little this institution cares about its customers and how garbage their customer service is. They lie every single time I have called them. I will keep filing CFPB complaints for every single time I have to call them and hear their pathetic lies.
Product: Credit reporting or other personal consumer reports

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. 
XXXX XXXX XXXX XXXX  CA XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX  XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX Balance : {$640.00} XXXX  XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX Balance : {$640.00} XXXX  XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX : {$1200.00} XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX  XXXX XXXX XXXX XXXX : {$5700.00} XXXX  XXXX XXXX  ( Original Creditor : XXXX XXXX JXXXX XXXX  XXXX XXXX ) XXXX XXXX XXXX {$1200.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$640.00} XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted this credit bureau in regards to incorrect and improper reporting on my account. I initially submitted my complaint on XX/XX/2022 to XXXX, XXXX and Equifax. After I submitted my complain via the CFPB, I was asked to provide documentation to verify my identity in which I did. I sent these bureaus 3 different sets of copies to verify my identity via certified mail and the first two we're unsuccessfully received. My last set of verification documents was sent off last Monday yet all agencies have closed my complaint without removing this information that doesn't belong to me. 
The credit bureaus 's stated that my account has was properly investigated but how can that be when I've been a victim of identity theft and this information doesn't belong to me? I've submitted a Identity Theft Affidavit along with this complaint stating this information. 

This is grounds for removal under the following : 15 USC 1681c-2 -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 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

All of these requirements have been met and still this inaccurate and incorrect information is being reported on my account.