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

My husband was supposed to get paid on Friday, XX/XX/XXXX, through direct deposit. Capital One usually deposits the money early on the Thursday of pay-week. We did not receive the deposit on Thursday and read online that many other Capital One accounts were experiencing the same issue. I called customer service and asked when the issue would be fixed. The agent told me they estimated a complete fix by the morning of the XXXX. It is now XXXX on the XXXX and we still have not received our deposit. They said its an issue with a third party vendor but where is our money? My husbands company sent the deposit on Wednesday. Why is our money being held? I understand that technical issues happen, but it should never affect peoples paychecks. We are a XXXX income family with XXXX young children. We count on that money! This has been a massive inconvenience and rendered us unable to properly care for our kids. There needs to be a better explanation and compensation for those affected.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've continuously been sending letters to XXXX XXXX XXXX on XXXX the XXXX, XX/XX/XXXX, XX/XX/XXXX Same for XXXX, XXXX and Experian. 
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Product: Credit reporting or other personal consumer reports

I request the immediate removal of these unauthorized inquiries from my credit report, as they are negatively impacting my ability to access loans and obtain credit. Furthermore, I would appreciate receiving confirmation or supporting documentation once this matter has been resolved. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

I was behind on my XXXX XXXX credit card in XXXX before my new due date i caught all my payments up and paid XXXX on my report it said ok for my XXXX payment until I made my XXXX payment now XXXX says 60 days late
Product: Credit reporting, credit repair services, or other personal consumer reports

I just pulled update of my credit report and I dont see any changes! I already send few rounds of dispute and told you that I have no idea where these accounts came from. Im sure that someone use my personal information
Product: Debt collection

I do not have a signed contract not any contract with Enhanced Recovery. I have never done business with this company. I am not liable for collection from this debt from XXXX. I am not responsible for this dent with Enhanced Recovery.
Product: Debt collection

I have a collection on my Credit Bureau showing that I owe {$650.00} Dollars that is the result of Identity Theft. I have been disputing these false charges on me for over 2 years. This loan was taken from an individual in another state also an out of state Bank and deposited to an out of state bank at which I have never gone to. I feel nobody has investigated this issue THOROUGHLY or you would see this is not me. I reported this issue as soon as I found out about it. Now it is showing a collection on all three Bureau 's this is not me I do not know how else or what else to say. Please help me with this issue it is XXXX I do have enough money to pay this amount but I refuse to, due to the FACT THIS IS NOT ME that took out this loan. Thank you for your help and your time I hope to hear back from you soon.
Product: Credit card or prepaid card

To whom this may concern, I am writing this letter on behalf of Macys credit card on my credit report. Back when the pandemic first started I was making a payment on Macys for more than XXXX a month. I reached out to Macys and discussed the possibility of closing the account to make things financially easier for me. I spoke with a representative and was told they can close my account lower my interest to 0 % for 58 months for payments around XXXX a month and I agreed. But they promised if I gave them my account, routing and checking number they would close the account and I would not show up on my credit profile it would be paid In full since I made an agreement to give them my banking information but if I missed a payment they would send to collections. I reached out to them over and over. They verified that was said but say it was a mistake. They cant do that or make mistakes when it comes to credit so Im wanting to have this removed as told and promised. This is not ok and is negatively hurting me on buying a house.

They admitted to me they agreed on closing my account and saying paid in full. Its all on recording. Manager told me that they honor mistakes but wont honor this because they didnt meant to say that false information.
Product: Credit reporting, credit repair services, or other personal consumer reports

BACKGROUND : On XX/XX/XXXX complaint XXXX submitted to the CFPB requesting confirmation from Equifax that XXXX will not be willing participants in the XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX Equifax responded to complaint XXXX please be advised that an investigation with the furnisher of the information was completed and results were mailed to you. On XX/XX/XXXX complaint XXXX submitted to the CFPB requesting : Equifax CFPB XXXX responded on XX/XX/XXXX : Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate or incorrect items reporting on your credit file. Please be advised that an investigation with the furnisher of the information was completed and results were mailed to you. The mailed results have not been received. On XX/XX/XXXX Equifax responded to complaint XXXX : Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate or incorrect items reporting on your credit file. Please be advised that an internal review was completed and results were mailed to you. On XX/XX/XXXX complaint XXXX submitted to the CFPB requesting : Equifax disingenuously responded on XX/XX/XXXX to CFPB XXXX " ... Please be advised that an internal review was completed and results were mailed to you ... '' No internal review results were mailed to be received. On XX/XX/XXXX Equifax responded to complaint XXXX : Please be advised that an investigation with the furnisher of the information has been initiated. When the furnishing company provides their findings, we will send those results to you. XX/XX/XXXX + XX/XX/XXXX Equifax represented internal review was completed that on XX/XX/XXXX has been initiated. When the furnishing company provides their findings, we will send those results to you. On XX/XX/XXXX as Equifax had clearly demonstrated on XX/XX/XXXX + XX/XX/XXXX no intent to communicate internal review results further responded to complaint XXXX : Closed with explanation. Closed with explanation was XXXX intent to conceal it malfeasance. On XX/XX/XXXX submitted complaint XXXX respectfully requesting : " If this is not intentional malfeasance, please respond with the alleged completed results that have NEVER been mail received by me. '' On XX/XX/XXXX Equifax responded : " Please be advised that an investigation with the furnisher of the information has been initiated. When the furnishing company provides their findings, we will send those results to you. '' FURTHER BACKGROUND : Equifax responded XX/XX/XXXX : " Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate or incorrect items reporting on your credit file. Please be advised that an investigation with the furnisher of the information was completed and results were mailed to you. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX-paid off in XXXX  : XXXX balance, never late, not charged off-please delete line from XXXX & Equifax
Product: Credit reporting or other personal consumer reports

I would like all fraudulent accounts and inquires removed from my credit file. I've sent certified letters and the information remains still.
Product: Credit reporting or other personal consumer reports

t 's my understanding that according to FCRA 605B, we're obligated to eliminate any erroneous accounts from my credit report. Would you mind verifying the documents? A few of the listed accounts seem to be incorrect, and it's causing me some distress.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App XXXX XXXX XXXX XXXX ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). 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 Fund Transfer Act ( XXXX ) and XXXX XXXX These actions have caused significant inconveniences and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 I submitted request letter for my personal information to be corrected via certified mail with proof of identification and social security card, but they continue to refuse to correct information. I called XX/XX/2019 to address the issue and instead of them correcting information that removed my correct name and information. 

XX/XX/2019 I submitted request letter for my personal information to be corrected via certified mail with proof of identification and social security card, but they continue to refuse to correct information. 

XX/XX/2019 I submitted via certified mail and online dispute about inaccurate personal information and they continue to send copy of full report with no corrections made as well.
Product: Money transfer, virtual currency, or money service

Ive sent money to wrong person and was denied my money back. My account was also hacked and purchasers where made I didnt authorized
Product: Credit reporting

After several requests, TransUnion has not removed my credit freeze. This has negatively impacted my credit rating.
Product: Debt collection

I have already disputed the account, but it was a result of identity theft so the debt collectors were able to verify that yes my information was used with their company or the company they bought the debt from, but I did not consent to this nor did I have this account. I tried contacting the company, but they only wanted to communicate by phone, not written communication like I had requested in my initial email to them regarding the fraudulent debt and derogatory statements reported on my credit report.
Product: Money transfers

I sent money transfer around XXXX XXXX. I always send Money transfer without Id. I have doing it for years for family members. I also have received money transfers. Agent states as long as its {$100.00} or less, you can send without ID. There is no change in sending funds regarding Id, unless funds go over a certain amount. Receiver was unable to pick up money transfer, and was told by agent it is being HELD. The receiver was asked for ID. Receiver does not have Id. We requested to have Money Transfer name change so money transfer funds can be picked up. Numerous calls were made, along with emails, and faxes to change info without success. I sent another money transfer in person that has id, due to the long time it was taking to have info changed. The XXXX transfer was sent XX/XX/XXXX. two - three weeks later. The original transfer funds are not being released back to me, ( sender ). Western Union requested to have a letter of explanation. I have sent that also. I continue to call, Western Union reps state the same info each time did you send Id. I explain I have already sent another transfer. This transaction needs to be cancelled. Western Union is now requesting additional info. I am requesting money transfer to be cancelled and refunded. it has been over 45 days that original transaction was done, it will soon be 60 days.
Product: Debt collection

Hi, I was alerted that an item had been added to my Credit Report upon checking this it seems the original creditor is XXXX. I have over the pass 10+ years received collections letters from other collections agencies and had this erroneous debt promptly removed. I have disputed the debt with the present Enhanced Recovery Systems ( ERC ) and XXXX. 

I have requested the aforementioned item be removed from my Credit and XXXX has stated that the creditor provided them with information confirming that the debt was valid none of which has been supplied to me by either XXXX or ERC. I requested the following : In accordance with the Fair Debt Collection Practices Act formally known as and codified under 15 USCA 1692 ( a-p ), I am asking for, and you are required to provide me with the following information : a ) Why do I owe the money? The date of service and services rendered. 
b ) How this amount has been calculated in a way I can understand.

c ) Copies of the papers where I agreed to pay what you say I owe.

d ) A copy of the judgment if applicable.

e ) The name of the original creditor. 
f ) Demonstrate that you are licensed in my state, and provide this license number to me. 

The dates on the entry are not possible, I have not been a XXXX subscriber in more than 2 years. The date of their debt is posted on my credit report by ERC as XX/XX/2019. The XXXX account at my request was noted by their CSR Representative. 

Please advise? 

Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a complaint through cpfb because Experian refused to move a collection account in the amount of XXXX from XXXX XXXX that did not belong to me after I put in a dispute with all three credit bureaus, and the other two removed it  because it could not be verified, however Experian told me to work with the collection agency & the collection agency said I needed to contact Experian. The results came back on XX/XX/XXXX with Experian responding saying that wanted proof of my addresses from the last past two years, a copy of my Id & SSN card, I sent all that into Experian & I was informed they did n't receive it. And it was definitely sent to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2020 i sent out a dispute letters about incorrect persoanl info on my credit report and on XX/XX/2020 a 60 day no response letter with no prevail of a response. I also sent dipute letters on XX/XX/2020 about some accounts that are not mine and need to be validated. and they have not responded for that either
Product: Checking or savings account

My wife accidentally clicked on a link that was claiming to be the usps advising for a {$1.00} charge for an address change for a package being delivered. My wife inadvertently gave the debit card information as she did have a package being delivered. The next day I attempted to use my debit card with are both linked to our checking account and it was frozen. XXXX with Bank of America and they advised me of the incident. They advised me that both my wifes card and mine will be cancelled and new ones will be ordered. The next day i went into the branch and the carda had not been ordered. The branch associate ordered my card and again advised that both cards have been cancelled. 

10 days later on my wife 's supposedly canceled card, approximately XXXX individual charges were made in a XXXX hours period ranging from XXXX cents to {$68.00} for a total of almost {$6000.00} dollars. I notified my bank the very next day advising of the fraud. On XX/XX/XXXX i received a temporary credit. On XX/XX/XXXX i received a letter in the mail advising my claim had been denied and the temporary credits will be debited from my account on XX/XX/XXXX. The person i spoke to stated that the claim is textbook fraud and escalated it for a second review. The alleged purchases were made at a company called XXXX XXXX, and as per my bank states a XXXX transaction out of XXXX XXXX. 

I beg for you to assist me in this matter as I am closing on my house in the coming months and the impact this could cause could ruin this.
Product: Mortgage

We received a loan modification from 21st Mortgage. We made XXXX of the XXXX while working with them to verify the amounts they claimed were due. The loan modification says specifically that the amount of the escrow is subject to change, and we were negotiating that figure from the outset. Today we received a letter saying that we rejected the loan modification when that is blatantly false. We were negotiating the correct amount of the escrow. In fact, part of what was in escrow was amounts charged by XXXX, who notified us that those amounts were fraudulently charged, and refunded us a small portion of those charges by a class action lawsuit. 21st removed all the charges but taxes and we were negotiating on our claim of slander of title against the amounts of the escrow. Our point of contact XXXX XXXX is travelling and his auto-email notification says that he is not available until XX/XX/XXXX, so I called to his office. I was told by his assistant that so long as our payment was received before the end of this month, we would not lose our loan modification. Now 21st is saying they are going to return our loan modification payments and try to sell our home. HELP. We do not want to lose our home or our loan modification.
Product: Prepaid card

Direct Express Debit Card Services ( Comerica ) where my monthly XXXX benefits are deposited are in violation of regulation XXXX section XXXX ( c ) ( XXXX ) XXXX day requirement for issuing provisional credit after I XXXX. Notified them by phone of an unauthorized XXXX. XXXX. Cancelled my card. XXXX. Completed and faxed in the required signed fraud statement. 
Direct Express failed to provisionally credit my account within the XXXX  day parameter set forth in XXXX c XXXX. I notified them on a Monday and they indicated that provisional credit wouldn't be issued until the Monday after the XXXX day making it XXXX days until my account was credited. DE is notorious for these violations.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX XXXX XXXX XXXX ( XXXX ) concerning their improper handling of negotiable instruments I provided and the subsequent inaccurate reporting to credit agencies. 

As an informed consumer, I understand the obligations financial institutions have under the Uniform Commercial Code ( UCC ), particularly regarding the processing of negotiable instruments. According to UCC 3-104, a negotiable instrument is defined as an unconditional promise or order to pay a fixed amount of money, payable to bearer or to order at the time it is issued or first comes into possession of a holder, and payable on demand or at a definite time. 

In accordance with these provisions, I submitted certified negotiable instruments to XXXX as payments. However, XXXX failed to process these instruments appropriately. Some were ignored without justification, and others were neither processed nor returned to me. This negligence has led to unauthorized transfers of my securities to third-party agencies without my consent. 

Furthermore, XXXX closed my account without proper notice and reported inaccurate information to credit reporting agencies, adversely affecting my credit standing. 

I request the Consumer Financial Protection Bureau to investigate XXXX actions concerning : 1. The mishandling and non-return of negotiable instruments I provided. 
2. Unauthorized transfer of my securities to third parties. 
3. The closure of my account without due process. 
4. The dissemination of false information to credit reporting agencies. 

I seek remediation for the financial and reputational harm caused by XXXX actions and assurance that such practices are rectified to prevent future occurrences.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has 3 accounts of my credit report. One that is active is fine and needs to stay. I need the 2 that are closed off my credit report. The old account is 9 years old and settled, it needs deleted. I am trying to purchase a home and this is hindering my ability to do this. There is another old XXXX  account that I am an authorized user of that is 20+ years old just on my equifax credit report, it is not mine, I do not know whos this is but it needs deleted.
Product: Bank account or service

Several months ago I received a debit card from TD Bank which I did not request or apply for. I promptly cut it up and threw it away. 
Two days ago I received a bill for {$33.00} from TD Bank for Sustained OD Fee, Maintencance Fee, Paper Statement Fee. 
I have called TD Bank twice and after lengthy telephone hold periods I was asked for the last XXXX digits of my social security number ( how did they get that ) and told to go to a branch office to cancel this fraudulent account. It is not convenient for me to go to a TD Branch office. Please see the attachment. Thank you very much for your help.
Product: Credit card

XXXX XXXX Apple Card / Goldman Sachs did not provide me with exact issue only broad speculation as to the hold on the payment. And reiterated that card member agreement gave them to hold payment I perpetuity which I find unacceptable being I have made thousands of dollars in payments using same XXXX XXXX  account. 
XXXX made argument that payment amount was larger than others which is not true. 
I believe this is an unfair trade practice. I earned over $ XXXX in rewards and Goldman Sachs reduced my credit limit because of it. They site credit history however I have never missed a payment to them. 

I was utilizing their reward program and their system parameters unfairly. Reduced my credit limit and then held payment effectively stopping me from using their credit card. I believe this is discriminatory in practice unfair and fraudulent advertising to advertise rewards then punish consumer for using the reward program.