23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

A debt collection company named XXXX XXXX XXXX sued me in court. Before court I sent a written request asking for a signed contract. I never received a signed contract. We went to court on XX/XX/2021. I told the judge I asked for a signed contract and I never received it. Consumers have rights. This is the second company that the debt was sold too. I didnt authorize them to purchase the debt and my personal information. The judge ruled in the debt collector favor but Im going to appeal. They didnt have the correct address in court. Its illegal for a collection agency to buy debt and come after the consumer. I need a signed contract.
Product: Credit card

I am reaching out for assistance once again as CapitalOne has allowed the fraudster to close my XXXX credit card account and continuously allows the fraud person to change my profile information and grant them access online. I have done EVERYTHING I can to mitigate this and each time CapitalOne one security measures fail me. This has caused my life so much stress to the point on breakdown and tears. It is very disheartening and I'm certain I'm not the only one dealing with this. I have provided verification numerous times and time and time again they still accept the old ID. There has to be a better way. As a long time customer of CapitalOne one it male 's me very unhappy to get to a point where I need to dissolve my relationship because of security issues and the lack thereof. At this time I want to make sure any charges on ALLL card I have/had with CapitalOne one after XXXX are flagged as fraud. I have not had access to my cards or online profile since XXXX. ANY amd ALL charges on the Quicksilver and XXXX card after XXXX are fraudulent and need to be adjusted as such. I would also like for a supervisor, manager, CEO to contact me and get this matter resolved. CapitalOne one has to find a better way to protect customers because what's in place now IS NOT WORKING Most recent claim numbers Case number XXXX Claim number XXXX Claim number XXXX
Product: Debt collection

I have serious concerns regarding this account, as it does not appear to comply with federal consumer protection laws outlined in the Fair Debt Collection Practices Act ( FDCPA ) and 15 USC 1692c ( c ) and 1692g. 
Basis of Dispute XXXX. Violation of 15 USC 1692c ( c ) ( Cease Communication Request ) : Under 15 USC 1692c ( c ), a debt collector must cease further communication with a consumer upon receiving a written request to do so, except to confirm compliance or to notify of specific legal actions. If Midland Credit Management received such a request from me or failed to provide proof that communication continued lawfully, they may be in violation of this provision. 
XXXX. Violation of 15 USC 1692g ( Validation of Debts ) : Under 15 USC 1692g, a debt collector is required to provide a consumer with written validation of the debt, including the amount owed, the name of the original creditor, and the consumers rights to dispute the debt. If Midland Credit Management failed to provide adequate validation within the required timeframe or did not verify the debt before reporting it to the credit bureaus, this would also constitute a violation. 
Action Requested I am formally requesting that XXXX : XXXX. Investigate the validity of this account based on the lack of compliance with the FDCPA and the provisions of 15 USC 1692c ( c ) and 1692g. 
XXXX. Verify that Midland Credit Management provided proper debt validation, as required by law, before reporting this collection to my credit file. 
XXXX. Remove the account from my credit report immediately if Midland Credit Management is unable to provide the necessary documentation to validate the debt and compliance with the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian reports as negative information ( showing late payment ) the date of the filing of my bankruptcy. 

The creditor is XXXX XXXX XXXX XXXX XXXX ( XXXX ) with three accounts, auto loan, and personal loans. 

I disputed the late payments of all the accounts of XXXX. They corrected or not disputed my statement of never being late. 

Experian shows both, payments current in the month of XX/XX/XXXX ( the month of my bankruptcy filing ) and in red as negative. 

On XX/XX/XXXX at XXXX XXXX  I spoke to an Experian employee ( she refused to give me her name ) and said angrily that it would be corrected by the end of XXXX. It has not happened as of today. 

The Student loans information reporting is being mishandled by the previous holder, XXXX, the present holder, XXXX XXXX XXXX ( both under the umbrella of the US Department of Education, and Experian. What they show, is incorrect.
Product: Mortgage

I have been making my monthly payments though automatic payment though my bank 10 days before the due date every month. Last year I discovered that my credit report was stating that my payments were late every month for over a year. I contact Popular Bank and they were missing 2 payments. After I emailed them this information, the issue was fixed. After that it took them 3 months to fix the mis information that had been reported to my credit. This was in XXXX 2016. Since then they have once again started to report my payments late again for the last 2 months. I have contacted them again and was told my account was up to date and to send them my credit reports again. I should have to call this company every month to make them do their job.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried XXXX to have this incorrect bankruptcy removed off my credit report. 
XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

XXXX : Each time I receive a post card in the mail from XXXX illegally responding saying " we do not have sufficient information to process your dispute '' even though I provide all my information including my drivers license and a recent utility confirming my address. My dispute gets received by them through regular XXXX XXXX  and electronically. XXXX over the phone confirmed with me that they go to XXXX XXXX to get their information which is illegal as my XXXX XXXX report is frozen and I have opts out in sharing of my information to any XXXX party company like XXXX. Also the fact that XXXX XXXX nor XXXX have my consent to share my information and that XXXX seems to feel that its okay to violate my federal rights by accepting XXXX party information when they are only allowed to receive information from the direct creditor ( court house ) The court house does not report to the credit agencies so this bankruptcy needs to be removed immediately. 

Transunion : This credit agency is by far the worse as each and every time rather then do a investigation they state that I would need to dispute with LCI Consumer Center which is OWNED by Transunion and LCI stores that information. Again, Transunion is in direct violation of my federal rights by obtaining information about me without my consent, sharing it through there sub sister company LCI. LCI gathers it from another XXXX party source know as PACER which again are both not direct creditors or debtors. Transunion fails to properly investigate and remove this inaccurate bankruptcy off my credit report. 

XXXX : XXXX out of all the XXXX major credit agencies does at least investigate and get back to me on each dispute I have faxed over and mailed. But again XXXX is guilty of the same thing XXXX does by accepting and reporting from a XXXX party vendor information that I did not give sent to, have frozen and opted out of. 


XXXX XXXX XXXX credit agencies have violated my federal rights of reporting inaccurate, false and incorrect information on my credit report by accepting data from multiple XXXX party sources. Seeing that the credit agencies can not go directly to the data furnisher which would be the federal court house which is not enrolled to report with the credit agencies. The credit agencies has illegally reported inaccurate information and can not properly investigate with the direct data furnisher ( federal court house ) due to the fact that the direct data furnisher of the information ( federal court house ) is not enrolled or subscribed to report to to the credit agencies let alone able to respond and handle consumer disputes. 

Result wanted : I want the public record of the bankruptcy that is showing on my credit report to be removed off my credit report immediately.
Product: Checking or savings account

On XX/XX/2023 I logged into my online banking with US Bank, to add a XXXX Contact, my son 's hockey team manager, so that I could transfer her {$300.00} to deposit into the XXXX XXXX XXXX ahead of an out of state trip for a hockey tournament. I added her contact email address and tried to proceed with the transfer. The bank prompted me to confirm the transaction since her email address is in her name but the account is in the Team 's name " XXXX XXXX '' I confirmed that I wanted to proceed. Nowhere was I advised that I had limited number of confirmations, or that I could be locked out of my account. In fact the error message I got was that the error was on the bank 's end and did I want to try again. Yes. So I attempted to do this a second time, from the online app for my bank, on my phone, and I was again given the error that the problem was on their end, and did I want to try again. This time I attempted to login to my online banking on my laptop, only to find out that my username had been disabled and I needed to call the bank. I called the bank immediately and was told that I was on a 48 hour hold for online banking while the bank investigated the issue- the issue I was calling them to tell them I did attempt to transfer {$300.00} to my son 's hockey team manager. I was also advised that they could not lift the hold, even though I was calling to advise them that this was a valid attempt of using my account. So now I have no online access to my money, we are leaving for an out of state trip Thursday, that I can't pay for ahead of time as required by the team ( they don't want checks or cash ), and I have no ability to correct this or see my money until after I will have arrived for my trip. This is ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is an invalid debt. I have made every effort to have this information corrected. However, XXXX XXXX XXXX XXXX refuses to acknowledge this error and has left it on my credit report, this has effected my life in a negative manor.
Product: Payday loan

The interest is 782 % they already in one month took {$290.00} with only XXXX to my loan principle. I borrowed XXXX However. the issue is that I was given false information on the payment amount. I was told that my payment was going to be {$100.00} each of my pay period in which I agreed. But in reality ONLY the first payment was going to be {$100.00} and all the ones were going to increase to {$190.00} each pay period. Which is totally insane! I would have rejected the loan if they would have given me that info in the very beginning! I do not have any paper documentation because I saved the email XXXX XXXX had first sent with all the information and It has disappeared from my box. But I am willing to swear under oath that he had sent me the information indicating the payments of {$100.00} NOT {$190.00}. XXXX became very verbally hostile when I questioned their false tactics. He then added more fee 's to my balance for asking him to take out the remaining XXXX on the next pay period. ( I had to borrow the money from family members so I can get out of this terrible situation. )
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX : Account Number : XXXX : Balance : {$9900.00} Account Name : XXXX XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX : Account Number : XXXX : Balance : {$550.00} Account Name : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX XXXX Account Number : XXXX : Balance : {$2000.00} Account Name XXXX XXXX XXXX XXXX XXXX Account Number : XXXX : Balance : {$410.00} Account Name : XXXX XXXX  XXXX XXXX Account Number : XXXX : Balance : {$9.00} And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be 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 XX/XX/year> XXXX XX/XX/year> XXXX U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

On or around XX/XX/2023, I was locked out of Betterment account with no access to funds. My husband, XXXX, called on or around XX/XX/2023 with myself on the line to have the account unlocked, we were informed the account was under investigation and is locked, there was no one else we could speak with and nothing the gentleman could do. I called again on XX/XX/2023 to inform the accountant I was the main account holder and inquired the reasoning for the investigation, after a brief hold again I was told this would be sent to a XXXX  XXXX XXXX  and I would receive an email in XXXX business days. On XX/XX/2023, XXXX business days later, I have not received and email nor has the account been unlocked. I called again before emailing this ( XX/XX/2023 ) to have the account unlocked, ascertain the reason for the investigation and access my funds. I was given the same answer, they would reach out to a XXXX  XXXX XXXX  and I would receive and email in XXXX business days. I am requesting assistance and exposure to this issue regarding Betterment business practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loans have changed hands several times over the years ( not by my doing ), and therefore so has payment history. This private loan is unknown to me, and no mail correspondence was sent regarding these bills. All private loans were paid in full. I would like it removed as they can not provide loan specific signature pages. I have also been the victim of identity theft and had several accounts opened in my name, so I am concerned this may be the case here as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. XXXX, transunion, XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to the 16 U.S.C 1681 section 602 A. States I have the right to privacy. 

These addresses do not belong on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX  XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX  XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Checking or savings account

So I contacted Chime regarding an atm issue where funds werent dispersed from an atm. My account says that I have a {$510.00} withdrawal limit but when I went to the atm that wasnt the case and it kept on declining and giving errors. I later on seen that I was being charged with no cash ever being disbursed. Chime promised to give me provisional credit within XXXX hours but instead, representatives filed a fake dispute. I had to speak to XXXX representatives in which one was able to successfully file a dispute. This resulted in time being wasted and Chime customer service refused to give me any more detail even to escalate the case. They even hanged the phone on me a couple of times with rude attitude. Thought I would be given assistance due to financial hardship that I am facing with eviction and medical prescriptions but CHIME customer service have neglected me and hanged up on me in multiple occasions. I dont know if this is a form of racism also playing a part because a representative made a Mockery of my Name. 



This feels like an act of XXXX and a hatred due to my XXXX XXXX.
Product: Checking or savings account

I have a XXXX XXXX XXXX XXXX XXXX. I was approved for a {$10000.00} grant by the SBA since my business took a dramatic loss because of the corona virus. The {$10000.00} was credited to my account on Monday XX/XX/2020. I used my account for two days with no problems. Then Wednesday, XX/XX/2020, my account was put in the negatives {$2000.00}. TCF took the money back and put my funds on hold. I called to settle the problem, they then told me I had to go up to my nearest branch with proof of business. I went up to the branch on XXXX XXXX in XXXX XXXX, Illinois with a business card, a flyer that I had for deals on my XXXX  from XXXX, my social security card, my ID, and a print out of my SBA application with the application number and my XXXX on there. TCF then called me later and requested more information, and still refused to move the hold. It is now XX/XX/2020, 10 business days after the funds were deposited and TCF has yet to remove the hold off of my grant. Can someone please contact TCF on my behalf and get this hold removed.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Funds Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX, XXXX, and experian in reference to incorrect information being reported on my report. I have not gotten a response from XXXX or XXXX. Experian responded back and refused to reinvestigate the incorrect information in my report. I have sent method of verification letters to them as well as factual dispute letters. Furthermore they have failed to respond in the appropriate allocated to them under the FCRA. They have also failed to provide me with how they verified an alleged charge off when requested or investigate my disputes which is a direct violation of the FCRA. It is the bureaus responsibility to report accurate info at all times.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.

The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : Bankruptcy XXXX  XXXX Reference XXXX
Product: Checking or savings account

Hey, On XX/XX/XXXX, I made transfers totaling {$500.00} and {$600.00} using my debit card through XXXX. However, my bank account shows XXXX transactions of {$400.00} each disappearing. I've tried to resolve this with XXXX but couldn't get any information. I then filed a dispute, but it was closed in less than XXXX hours without any further explanation.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Equifax for failing to properly investigate and verify the accounts I have disputed as inaccurate on my credit report. Despite providing detailed information and evidence to support my disputes, Equifax continues to report inaccurate information without demonstrating that the information has been thoroughly reviewed or verified, as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

Equifax 's failure to comply with the FCRA is causing me significant harm, as these inaccuracies are negatively impacting my credit profile and financial well-being. Specifically : Equifax has failed to notify me of the methods used to verify the disputed accounts.

Equifax has not provided any proof from the furnishers of the disputed information to confirm its accuracy.

My disputes have been dismissed without proper reinvestigation, as required by law.
Product: Credit reporting or other personal consumer reports

There are a number of derogatory accounts reporting on my file that the credit bureau repeatedly fail to comply and properly validate. The information reporting does not belong to me and a result of identity theft its violation of my consumer rights pursuant to the FCRA. I would like this information removed immediately.
Product: Credit reporting or other personal consumer reports

I dont not recognize these credit inquiries and Ive asked to be removed and Bureau did not do what I asked.so i am providing a identity theft report that will be attached to this complaint and Im requesting it to be removed because they are inaccurate and not mine.