23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I disputed the following inquires with Equifax and within a few days their response was that everything was confirmed. You would think with their Breach that they would be more vigilant regarding accurate reporting of the inquires. They already have a black-eye because I was one of the people who's information was leaked. 
So not only did they not do a proper inquiry into my issues, they did made me feel as if it was my fault that 10+inquries some from the same company would be on my report dropping the score. 
XXXX XXXX from XX/XX/XXXX + XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX  XXXX. 
XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX + Television & Radio XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX/game Inquiry from XX/XX/XXXX + Miscellaneous XXXX XXXX Bank XXXX XXXX from XX/XX/XXXX + All Banks XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX 
XXXX XXXX Inquiry from XX/XX/XXXX Half of these I don't recognize and some of them have repeats ... .how could you not investigate these issues given the fact that they are not accurate and they did not even do their due diligence. I'm insulted that they answered the inquiry in days like they didn't even bother.
Product: Checking or savings account

Have not received direct deposit for 2 days now. CApital one sent an email out last night but that was it, said it would be fixed by this morning ( XX/XX/year> ) and still not working at XXXX. 

I have not received my paycheck, but they can still take bills out from my car loan etc.
Product: Credit reporting or other personal consumer reports

I requested that information reported on my credit report be updated. I sent in the updated information to Transunion XXXX and XXXX. No response back. Also they are reporting information from creditor accounts that have been closed as need attention or flagged as charge off. Those accounts are XXXX XXXX, XXXX XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. 

XXXX XXXX {$2300.00} XXXX XXXX XXXX  XXXX {$960.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX {$8800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been seriously compromised due to XXXX breach and my wallet being stolen..Now the after fact is a demise of unknown and unauthorized accounts reporting on my credit file. I'm demanding the immediate removal of these fraudulent accounts. I have no such contract with either of these companies. 

1 ) XXXX XXXX XXXX {$790.00} 2 ) XXXX XXXX XXXX {$2300.00} 3 ) XXXX/ XXXXXXXX XXXX 4 )  XXXX XXXX {$6400.00} 5 ) XXXX  XXXX XXXX {$17000.00}
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 right to privacy and confidentiality under 15USC 1681. XXXX, XXXX : XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, RXXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602A. States I have the right to Privacy 15 U.S.C 1681 section 604A. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Sections 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 convicted 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 the information is inaccurate.

15 U.S.C 1692c you have violated my rights by unlawful communication
Product: Credit reporting or other personal consumer reports

XXXX XXXX, Social Security Number : XXXX, Date of Birth : XX/XX/1989, Urgent Demand for Immediate Correction of Inaccurate Reporting : Upon reviewing my Consumer Reports, I was enraged to find egregious inaccuracies regarding alleged late payments on an account where I have ALWAYS made punctual payments. Under the Fair Credit Reporting Act ( FCRA ), Consumer Reporting Agencies are REQUIRED BY LAW to ensure the HIGHEST degree of accuracy in reporting consumer information. I have NEVER missed a payment on the following account : XXXX XXXX XXXX XXXX, [ XXXX ]. 

I DEMAND an IMMEDIATE and THOROUGH investigation into these blatant discrepancies within XXXX DAYS, as mandated by the FCRA. You are REQUIRED to provide undeniable evidence, such as detailed account statements, substantiating the alleged lateness of these payments. FAILURE to furnish such proof within the specified XXXX timeframe will lead to my INSISTENCE that these payments be corrected to reflect their accurate, ON-TIME status, in rigorous adherence to FCRA Section 611, which mandates accuracy and completeness in consumer reports. I have consistently met my payment obligations ON TIME and WILL NOT TOLERATE this unacceptable situation. RECTIFY THIS IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

According to the fcra all information reported to the credit bureaus must be accurate upon checking my consumer report I noticed that they were accounts that were not reporting at all to my consumer file and the ones that are there are out dated which is manipulating My overall credit score. The accounts that are in question are the XXXX XXXXXXXX credit card, XXXX credit cards from XXXX  XXXX XXXX. And XXXX credit cards from XXXX XXXX XXXX XXXX  that are not reporting on my consumer file I am providing you with the account numbers please update this information so it can report accurately to my consumer file
Product: Credit reporting or other personal consumer reports

I submitted a letter to the Credit Bureaus to delete this suspicious account. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT and I'm including them again. 

XXXX XXXX XXXX
Product: Checking or savings account

The terms for opening a new savings account via referral is an extra 1 % APY for both parties across 3 months ( each additional referral, up to 5 per year, provides the same benefit ). I was referred to open an account by a friend, so we both have 4.3 % APY for 3 months. I then referred my other friend and she then referred her mother and brother. However, we were not credited for me referring her. We have plenty of evidence supporting this happening and have spoke to the bank multiple times via phone and chat, accumulating many hours of our time. We continue to be given the run around and denied the timely adherence to the terms we agreed to when creating our accounts and giving/receiving a referral. This is unacceptable and breaks people 's trust in banks who hold our hard-earned money.
Product: Credit card or prepaid card

I have been a consumer with UMB Simply Rewards since XXXX. Make all my payments on time, pay my balance in full each month. Good credit. 

In XX/XX/XXXX, I needed to switch my payment bank account information, as my old bank was closing. I could not figure out how to do this on the useless web portal and ended up calling customer service multiple times to ( I thought ) sort it. 

In XXXX, my old bank was charged for the new balance. I had to sort this through my old and new bank, and called UMB to get it paid immediately. At this time, they said the new bank was not on my account so I had a CSR help to put this on and I was told my automatic payments were set and ready to go. I was told that my old bank account information had been deleted from their system. 

In XXXX, I get a letter from UMB saying that my payment failed because I tried to pay from a closed bank account ( this would be the one I had been told was deleted! ). After spending much more time talking to multiple CSRs, I was told that it had been resolved, I authorized an immediate payment, all should be set. 

Since I had wasted about 4 hours on the phone already, I decided that, by XXXX, I wanted to spend down my rewards balance and be done with it. Surprise surprise when I tried to sign into rewards, I could not. After bouncing through 3-4 more CSRs, I was told that my account had been closed! Some more CSRs later, I was told it was not closed, but would need to call back before XXXX p.m. to speak with someone useful. 

So I called again, at XXXX p.m. XXXX, today, XX/XX/XXXX, only to be put on hold for XXXX minutes and then told that I needed to speak with the XXXX XXXX department, and they were only available until XXXX p.m. Central time. 

I am concerned that this company is : Inappropriately retaining financial information that I have requested they delete from their servers Holding my rewards balance XXXX, when this was a clear agreement of our previous terms Purposely providing poor and limited customer service in order to hold this reward balance Going to mess up my credit despite my best efforts to pay them what they need Meanwhile, I have made my payments, and I have $ XXXX in rewards awaiting that I suspect will be more hours on the phone to access. I hope everyone reads this and chooses never to do any sort of banking with XXXX in the future because they are the absolute worst bank/credit card financer I have encountered in my 20 years of finance and credit.
Product: Checking or savings account

To Whom It May Concern, I am writing to file a formal complaint regarding an issue I encountered with Capital One involving delayed processing of my direct deposit. The delay has caused significant inconvenience and financial harm, and I am seeking resolution and accountability for this matter. 


My employer consistently processes and sends my direct deposit on every Thursday morning On XX/XX/XXXX, my direct deposit was delayed significantly. Despite confirmation from my employer that the funds were sent on time, Capital One failed to make them available within the standard timeframe. 
This delay resulted in missed payments which has resulted me to experience financial difficulties in the process of completing payment in bills that were scheduled. 


I have contacted Capital One customer service on XX/XX/XXXX to ensure they were able to see my scheduled deposit delay to address this issue. Unfortunately, the responses I received were vague, unhelpful, and contradictory and no satisfactory resolution was provided. 

I am seeking : XXXX. A thorough investigation into the cause of the delayed deposit ( XXXX ). 
XXXX. Reimbursement for any fees or financial harm incurred as a result of this delay. 
XXXX. Assurance that future deposits will be processed promptly and according to the industry-standard timeline. 

I can provide the following upon request : - Confirmation from my employer verifying when the deposit was sent. 
- Screenshots or statements from my Capital One account showing the delayed deposit.

I believe this delay reflects a failure on Capital Ones part to uphold its obligations under federal banking regulations, specifically regarding timely availability of direct deposit funds. I would appreciate the CFPB 's assistance in resolving this matter promptly. 

Thank you for your time and attention. I look forward to your response. 

Sincerely, XXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently I investigated my credit report after being denied for an apartment, and employment. I found that all adverse information on my credit report is still being furnished to employers and landlords. 


I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  | Balance : {$17000.00} | Monthly Payment {$500.00} Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX My preferred contact methods are email : XXXX XXXX
Product: Credit card or prepaid card

Very confusing and not getting transfer with low interest for XXXX months
Product: Credit reporting or other personal consumer reports

Recently i took a look at my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate the account to ensure accuracy. 

Here is the account im asking that you investigate XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

This is an erroneous collection by XXXX XXXX XXXX. This account was before the XXXX XXXX XXXX  XXXX XXXX XXXX district that was placed by XXXX XXXX XXXX filed in XX/XX/XXXX. 

On XX/XX/XXXX, XXXX XXXX XXXX transferred it to National Credit Systems XXXX the account number. 

The XXXX Judicial Court, in XXXX XXXX, MO, was not finished with the case when XXXX XXXX XXXX transferred my account to a collection agency. 

The case was dismissed by the court on XX/XX/XXXX, by the court XXXX. 

All this time up until now, I have been denied to rent an apartment. 

So I reached out to the courts this month XX/XX/XXXX to let them know what was going on. The court reissued an order of dismissal again on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. states, I have the right to privacy.

15 U.S.C 1681 Section 604 A.Section 2 it also states a consumer reporting agency can not furnish a account without my written instruction.
Product: Debt collection

On XX/XX/year> I saw XXXX XXXX XXXX of XXXX XXXX for an office visit. I made full payment in advance of the visit via credit card. During the visit, the provider performed no service other than to commit to perform certain tests on biopsy samples and report back to me with the results. The provider charged- and received - {$290.00} for a XXXX minute visit. The provider made me wait over XXXX hour XXXX minutes past the appointment time, costing me precious time during a workday. The provider then failed to conduct the medical tests in the days and weeks that followed. Upon calling his office on multiple occasions and being put on hold for hours, I was told that I would have to wait for the results. Upon still no response and calling further on multiple occasions, I was told that I would have to make another appointment - and pay another {$290.00} - simply in order to inquire about the follow up from the last visit. In frustration, I had to withdraw my payment. 
The provider is now using a debt collection agency to illegally collect payment for a service that was never performed.
Product: Debt or credit management

I was traveling from XXXX XXXX  to route to XXXX XXXX and accidentally went through an XXXX XXXX toll instead of a cash toll, so I was charged {$50.00} as a fee for breaking XXXX XXXX law, and not paying the toll as I went through. I was sent a letter from Linebarger Goggan Blair & Sampson stating that I owe this {$50.00}. The toll technically came from the XXXX XXXX, XXXX however, they use this company as their debt collector. Upon looking them up on the XXXX XXXX XXXX there are multiple complaints of fraudulent activities from them, including one person who was continuously charged from a toll they had in XXXX, he would pay it, and they said that their balance was a XXXX, but they continuously charged him, because they only take a certain amounts of the money to pay off the debt, and the other money they pocket for themselves. This is not made explicit whatsoever in any of the letters that they sent it is completely misleading to the public as well as rather predatory. Im concerned that most people receiving these letters would pay through them Goggan Blaire and Sampson rather than XXXX XXXX XXXX directly resulting in scamming them out of their money for years to come. Had I not look this up and called the source of the toll, I probably wouldve fallen victim to the countless people that have had issues with this company. They are not operating a fair business practice, they were purposefully elusive, the only way to file dusputes is through Fax, they do not have an email, they do not have a place for complaints other than through Fax. Although it is not against any law to only have fax as contact, I highly suspect that they do this in order to purposely inconvenience people and not having to directly talk to them to complain about their fraudulent behaviors. The lack of explicit statement on the letter, missing forms, the public into thinking that they should use this company to pay their toll, when, in fact, they are unknowingly paying the company, and only a certain percentage of their toll. This is quite despicable, and should be looked into.
Product: Credit reporting, credit repair services, or other personal consumer reports

The start of the year I found out I was one of the lucky few who happen to have identity theft Clarity Services claimed to be part of a credit bureau and they werent now they are maliciously causing me stress to the point I was hospitalized for XXXX XXXX XXXX. Im more then welcome to share dates and times of that as well but it was around XXXX when they ran my credit without my knowledge that they were in fact not part of a bureau and ever since have been causing me XXXX XXXX with there crooked antics for not allowing me to gain access to a loan to help ease the financial burden of paying to have my credit repaired.
Product: Vehicle loan or lease

I want to a dealership back in XXXX of XXXX to purchase a car, at that time I had no job I was desperate to get a car to work for XXXX and earn money, Unfortunately the only finance company I was approved for was Santander, But the interest rate was so high, but again I had no other choices but to take to the offer not knowing what will happened later. 
my payment was {$640.00} for 72 month. I mean that's totally not fair the amount was financed {$25000.00}. I mean if you cant offer me a fair deal at the begging why would you take advantage of people like me at the first place. 
I have been paying {$640.00} since XXXX of 2018 yet I still owe on the car {$20000.00} as of today. I feel like this company is a total scam company at this point they should have denied me.
Product: Checking or savings account

I went online to open a Schwab Bank High Yield Investor Checking Account on Wednesday XX/XX/2018, per the advice from the banker I spoke to over the phone. After entering all of the required information, a Terms & Conditions disclosure screen displays. The screen has several section 4-6, with each section requiring lengthy scrolling and acknowledgments of each section, prior to opening a checking account with Charles Schwab. After I opened the account, I was prompted to set-up my online login information ; afterwards I was in my account Dashboard. 

Within 5 minutes of doing this, I received two email alerts from XXXX and XXXX  stating that a hard pull was just performed on my credit report from Charles Schwab Bank. This, in my opinion, was not a truthful or transparent transaction that occurred with this bank. See attachments of online sign-up process, note the lack of disclaimers at multiple consumer touch points. 

Immediately, I reached out to the bank through their " Live Chat '' feature to inquire about what had just occurred. The support banker simply stated that on line 17, or section 17, there was a notice that Charles Schwab bank can, will, and plans to use  the customer 's credit information how they seem fit, and at will, in order to make proper financial decisions. 

I believe Charles Schwab Bank should be held to the same standards as other Bank, Credit Card companies, Loan Products/Companies, and even Instant Loan Companies who offer any sort of credit inquiry products. Currently, these financial  companies clearly and transparently state the affects its/their products will have on the consumer 's credit BEFORE a transaction is started or completed.
Product: Credit reporting or other personal consumer reports

in accordance with the Fair credit reporting act Account # XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A states i have the right to privacy.

15 U.S.C 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

I am getting letters from Enhanced Recovery Company saying I owe {$86000.00} to XXXX. I am now getting phone calls about this. I have never had XXXX and it 's not anywhere in my area.
Product: Credit reporting, credit repair services, or other personal consumer reports

You keep ignoring my requests and let this fraudulent account distress my credit score. This fraudulent account should be DELETED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physical & financially ... and I would truly not what to pursue a legal remedy ... Delete this immediately : XXXX XXXXXXXX XXXX XXXXXXXX