23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

This complaint is a continuation of my initial complain ( complain # :XXXX ) about XXXX XXXX. The bank keeps sending me letters confirming that they approved my dispute but they do not want to allocate proper credits to my credit card. They issue credit in the disputed amount of approximately, {$1600.00} under the revolving transaction history but also, at the same time, they add debt in the same amount of approximately, {$1600.00}, which zeros out the deputed transaction. When I called and spoke with the account supervisor, XXXX, since the dispute department does not have phone number, she reviewed the account and confirmed that this was an oversight on XXXX XXXX / XXXX XXXX end and that it will be addressed within 72 hours on my statement. 72 hours passed and my credit card statement did not change. I called again on Thursday, XX/XX/11 and spoke with another account supervisor, XXXX, Employee ID # XXXX who was arguing with me over the phone for more than 20 minutes, very rude and condescending. When I asked for proof of receipts for the fraudulent debt referenced above, she was not able to answer my question. I told her that, initialy, after i returned unwanted items with XXXX XXXX, I should have received a credit for approximately {$1600.00} not only under revolving transactions but also the plan ( back then, plan # XXXX ) should have been closed. 

The plan was closed but they refusing give me proper credits to my credit card statement. I am the account holder, so they have no right close this case without providing explanation and additional information as to why they fraudulently, without my authorization, charging my card in the amount of, approximately, {$1600.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a FTC report on XX/XX/2021 regarding a fraudulent account popping on my credit from the creditor XXXX XXXX. I disputed it twice with XXXX, XXXX, and Equifax. The account came off on the second attempt. On XX/XX/2021, the account was re-inserted on my credit. This is a violation of the FCRA. The account was deleted because it was considered fraudulent. and then placed back on my credit. I am happy to get my legal team together and litigate XXXX XXXX for debt collection malpractice along with Equifax, XXXX, and XXXX.
Product: Debt collection

XXXX XXXX XXXX purchased an account from XXXX XXXX and has Dynamic Recovery Solutions trying to collect on an account that is from XXXX that I paid to XXXX. XXXX XXXX XXXX is reporting this account on my Credit reports with the XXXX Credit Reporting Agencies and told me to contact Dynamic Recovery Solutions who told me that the account was sold to XXXX XXXX XXXX on XXXX/XXXX/XXXX. XXXX is reporting that this account was opened on XXXX/XXXX/XXXX which is not true and a violation of the FCRA. I was never notified as required by the FCRA, FCDPA before this account was reported on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Thursday, XX/XX/XXXX, I attempted to call the central number XXXX provided on the US Government website and gain copies of my credit report. Sadly, the phone system was automated with no means to communicate with a live person. The automated system was partially driven by key pad responses and that is impossible if the caller ( me ) does not have a touch tone telephone. I appreciate the opportunity to receive a copy of my report and appreciate the fact that it is free. What I find very frustrating is that the system is very inflexible in allowing those of us with older telephone sets from placing a request for the report. I wish that the service did offer a method where a caller could visit with a live representative.
Product: Debt collection

I recently sent a letter to Department of Revenue regarding me not receiving my state taxes. I submitted documentation stating I do not own any monies to Department of Revenue an I want my state tax return to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax stored secure personal information, including social security numbers, in a non-secure way. The information was hacked and top executives of the company, who were aware of this information hack, sold their own shares in the company in a form of insider trading. The hack was then hidden from consumers for over 3 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi CFPB Team, I submitted disputed for a collections account that is inaccurately reporting on my XXXX, Transunion, and XXXX profiles. I am using this complaint center so that there are additional eyes on the process from the bureaus. It is my hope that my account is corrected as I am in the process of purchasing a new home and this is hindering my chances to qualify for a lower interest rate than the one I've received. 

Best, XXXX
Product: Bank account or service

I signed up with Nationwide Biweekly Administration in XXXX of 2014 for them to be a service company to pay our mortgage every month. XXXX a month half of our mortgage payment is deducted from our bank account and sent to them to forward to our mortgage lender. On XXXX XXXX I received an email that they were having financial issues and suspending accounts but mine was okay. On Saturday, XXXX XXXX I received a letter that my account had been suspended. Today I called XXXX which was on the letter and received a recording that XXXX mortgage payments would be made but going forward we were responsible for our payments. Also, any remaining funds in trust would be returned to us. I am uncomfortable with listening to a recording and want an actual person to verify my account information. I also called another XXXX number that was on their website ( XXXX ) and XXXX answered who purchased some of NBA 's customers. He tried to get me to become one of his customers. 
I want my account deactivated and my setup fee reimbursed. As well as assurance that the money I sent to them in XXXX will be used to pay my XXXX mortgage payment. And any remaining funds returned to me.
Product: Checking or savings account

Wells Fargo would change the order checks and withdrawals would appear to maximize NSF fees
Product: Checking or savings account

Chase informed me 2 weeks ago that my account was closed. Thats fine. They don't have to do business with me but send me my XXXX money already. 

They said they would send the cashier 's check for the remaining balance in 7-10 business days from the account closure. They still have not and now they're refusing to speak to me over their secure messaging system. 

Give me my money back already. I will begin assessing hardship and expenses associated as a result of you not giving my money back. It's an emergency.
Product: Checking or savings account

Subject : Complaint Regarding Capital Ones Failure to Process Direct Deposits To Whom It May Concern, I am filing a formal complaint regarding Capital Ones failure to deposit my direct deposit from my employer, along with any other funds scheduled for deposit. Capital One has cited technical issues as the cause of this delay, which may violate the Electronic Funds Transfer Act ( EFTA ) that mandates timely access to funds. 

This situation raises serious concerns about adherence to consumer protection laws. As a customer, I depend on timely access to my deposits for essential financial obligations. The continued delay and lack of clear communication from Capital One have caused significant inconvenience and uncertainty. 

I respectfully request the Consumer Financial Protection Bureau ( CFPB ) to investigate this matter thoroughly to ensure that my rights as a consumer are upheld and to determine if Capital One is in compliance with the applicable laws and regulations. 

Thank you for your attention to this matter.
Product: Prepaid card

Today I received my XXXX debit card through money network. I opened the envelope and tried to activate it and it wouldnt work. When I called they said someone already activated it and spent money. This card is fresh from the envelope that only means a XXXX  XXXX XXXX  stole the info before sending it out. Im now fileing disputes and have gone almost XXXX  months without money. Im filling this and with other agencies after looking online and finding this happen to multiple people.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Report and noticed that i had late payments on an account that i was never late for Consumer Reporting Agencies have assumed a vital roll and a have a responsability to report Consumer information to the best of their ability with maximum accuracy. i have never been late on payments fot he account : XXXX  XXXX XXXX Account number : XXXX, please investigate and provide proof with statements showings that these payments were late. if proof can't be provide i demand these payments be updated on time as they should be as i was NEVER late. thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is refusing to put a freeze on my credit report! And XXXX is missing my credit report by put malicious malice vicious slander and intimidation! I asked for a freeze I was denied and XXXX continue putting untrue information on my credit report concerning COMMUNITY LOANS SERVICING THIS COMPANY IS NOT MY MORTGAGE HOLDER! Please remove the fraudulent slander from my credit report immediately! Cease and desist reporting fraud! And again REMOVE CHAPTER XXXX bankruptcy! I DID NOT FILE DISMISSED BECAUSE THERE WAS NO MEETING OF THE CREDITORS! I was granted FREEDOM IN THE NAME OF XXXX XXXX IN THE NAME OF XXXX XXXX YOU ARE COMMITTING A CRIME CALLED FRAUD! Cease and desist fraudulent report immediately! 
XXXX XXXX TRANSUNION ARE REPORTING USDA 2 times ISDA IS NOT A MORTGAGE LOAN CEASE AND DESIST FRAUDULENT REPORT! This LOAN IS FRAUDULENT PLEASE CEASE DESIST FRAUDULENT REPORT! USDA AGREED TO REMOVE THIS FROM MY CREDIT REPORT! STOP REPORTING USDA 2 times this is fraud USDA LOAN IS NOT LABELED A MORTGAGE LOAN YOU ARE VIOLATING MY RIGHT OF RATES REPORTING FRAUDULENT! 
I am forgiven of all debt in the name OF XXXX XXXX IN THE MIGHTY NSME OF XXXX XXXX DTOP THIS SLANDER AND ABUSE AND INTIMIDATION IS A CRIME! STOP!
Product: Debt collection

I paid this charge in a XXXX store when closing my line. They claim they never got the payment and now added this debt to my credit report
Product: Credit reporting or other personal consumer reports

I am writing to formally address multiple unresolved issues with the information on my credit report, despite previous communications and disputes I filed regarding inaccuracies. I initially reached out to EQUIFAX to correct discrepancies in my credit report, including errors with the dates of last payments, dates accounts were opened, payment history, and account status. After providing you with supporting documentation, I was assured that an exhaustive examination had been conducted. 
However, as of today, my credit report remains unchanged, and the errors I reported are still present. Furthermore, I have noticed that negative actions have been taken on my credit report, despite the unresolved inaccuracies. My full name is XXXX XXXX XXXX, and my address isXXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX. 
My date of birth is 12.06.1992.As a consumer, I have the right to dispute inaccurate or incomplete information on my credit report under the Fair Credit Reporting Act ( FCRA ). Under 15 U.S.C. 1681e ( b ), EQUIFAX is required to maintain reasonable procedures to ensure the accuracy of the information provided. Since I submitted clear evidence of inaccuracies, your failure to correct these errors constitutes a violation of this requirement. Under 15 U.S.C. 1681i, when a consumer disputes information on their report, EQUIFAX must investigate the dispute within 30 days. It has been over 30 days since I filed my dispute, and I have not received any update or resolution. This delay in investigation and failure to provide a clear response is a violation of my rights. Additionally, under 15 U.S.C. 1681 ( a ), my right to privacy is protected, and under 15 U.S.C. 1681b, a consumer report can not be furnished without my written consent unless specific exceptions apply. If any information from my credit report has been accessed or shared with third parties without my explicit consent, this would also constitute a violation. I ask that you confirm whether my written consent was obtained for any recent report disclosures. As part of my efforts to resolve this matter, I filed a formal complaint with the Federal Trade Commission ( FTC ) under report number XXXX. I trust that EQUIFAX will cooperate with the FTC in addressing these issues, as required by law. To resolve this matter promptly, I request that you conduct a thorough reinvestigation of my credit report, specifically addressing the inaccuracies in the dates of last payments, dates accounts were opened, payment history, and account status. I also request that any erroneous information be corrected or removed immediately. Furthermore, I ask for a detailed written response outlining the steps taken to correct these inaccuracies and actions taken to ensure compliance with the FCRA. If these issues are not resolved within 30 days, I will be forced to consider further legal action, including seeking damages for violations of the FCRA. I expect your prompt attention to this matter and a resolution within the legally required 30-day timeframe.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this account has violated my rights. 

WHATEVER THE ACCOUNT IS : XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States that I have a right to privacy. 
15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions
Product: Debt collection

on XX/XX/2021, i sent online information service a 2nd request with the alleged tradeline from XXXX XXXX, i am asking for This letter is being sent to you in response to my last notice on XX/XX/2021. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus ( XXXX, XXXX  or XXXX  ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. 

Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is.
Product: Credit card or prepaid card

I paid of my account last month Why there is a balance of {$150.00} I ask the rep she refuse to help She was rude and Im willing to help
Product: Credit reporting

I have been unable to update/view my credit report online with Equifax, I pay a monthly subscription for their service and have been unable to view/update my report since XX/XX/XXXX. The following error message is received, Eval Code : - Status Code : XXXX, Reason Code : XXXX. I spoke to several reps, they said it was a technical issue and would be fixed but it is now been three days and still unresolved.
Product: Debt collection

XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me XXXX XXXX XXXX  XXXX Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

My federal student loan was XXXX due tXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. I informed the credit bureaus XXXX, XXXX, XXXX and the loan servicer Aidvantage, and sent them all a copy of the XXXX Department of Education discharge letter. The credit bureau will not change the status of my student loan accounts and they will not close the accounts. They closed my disputes with no action. Totally ignored the evidence and request and gave no reason why the disputes were not resolved or honored.
Product: Credit card or prepaid card

Received an email that an application was opened with Wells Fargo. I have put freezes on all XXXX credit bureaus so I'm not sure how my information is still being used. This happened on XX/XX/2023. I called Wells Fargo they declined the application and stated it was ran through transunion. I called them and they have no report of an inquiry. I checked all XXXX credit bureaus as well, they are all showing freezes.
Product: Credit reporting or other personal consumer reports

I DEMAND Cease and Desist Demand ( 15 USC 1692 ( a ) ( B ) ) This letter also serves as a formal cease and desist demand under the Fair Debt Collection Practices Act ( FDCPA ), Section 15 USC 1692 ( a ) ( B ).

Under this law, I am requesting that you immediately cease and desist from : Reporting or sharing any information related to this account or debt under my personal information with any third parties, including credit reporting agencies.

Engaging in any further collection activities that violate the provisions of 15 USC 1692 ( a ), which prohibits abusive, deceptive, or unfair debt collection practices.

Failure to comply with this demand will constitute a violation of federal law and may result in legal action.
Product: Credit card or prepaid card

I made a payment for {$480.00} on XX/XX/21, it posted to my checking account XX/XX/21. Today is XX/XX/21 and the payment still has not be credited to my account. After multiple phones calls and promises of call backs I have not heard back from anyone to resolve this matter. Today is the XXXX day according to the information below and customer service is telling me it could still take until XX/XX/21 to credit my account. This is starting to make me feel like the company is not legit and I've been scammed. 

The following terms and conditions are posted on their website. 

When will my online payment post to my account? 
The payment cut off time for online payments is XXXX p.m., Pacific Time. This means, if we receive your online payment prior to XXXX XXXX., Pacific Time, your payment will be credited to your account as of the calendar date it was received. If we receive your payment after XXXX XXXX Pacific Time, your payment will be credited as of the next calendar date. 

When will the available credit on my account reflect my payment? 
In some cases, the available credit may not reflect your payment for up to 14 days in order to verify funds. This is disclosed in the " Making Payments '' section of Agreement that governs your account.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

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

On XX/XX/23 I received notification that account was deleted of Equifax report the account was lvnv funding this collection was deleted then Equifax allowed account to be resubmitted after I sent in all documentation to prove it was identity theft reference cfpb XXXX in this complaint Equifax acknowledged deleting XXXX account
Product: Debt collection

The information on my credit report is inaccurate. The address is incorrect, and the dates are also incorrect. Someone has compromised my ID.