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

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX TN ) XXXX ... XXXXXXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Money transfer, virtual currency, or money service

Specifically Cash App failed to take timely and effective measures to prevent address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. Causing significant financial loss and duress. I seek appropriate compensation.
Product: Checking or savings account

Back in XXXX I booked a trip through XXXX airline I had caught XXXX couldn't make the flight XXXX said I was a no show and took the money out of my account I gave my bank which is capital one documents from the XXXX representative stating it was over 30 days therefore nothing that they can do on they end capital one received that document as well as a discharge from the hospital when I was admitted due to XXXX they are refusing to give me my money back and keeps wanting me to reach out to XXXX where it's been 90 plus days since the booking XXXX no longer can assist me capital one has documents stating what I'm saying is true and they have yet to return my money back to account which is over 300 for a flight I never got on.
Product: Student loan

I am currently undergoing financial hardship ( actually have for the last 5 years ). back around XX/XX/XXXX I had applied for both forbearance and deferment ( hoping at least one would be approved ) ; received a letter " claiming '' one had been approved yet monthly bills still showed the full payment amount was due and thus my so called approved application was ignored. The ( current/present ) lender is MyGreatLakes. As a result of this hardship I fall short each month on needed supplies and some times even other bills - regardless of whether or not I pay the full monthly amount or more than that! Seems not to make a difference! I applied at what was once called XXXX XXXX ( connected to XXXX XXXX ) now going by the name of XXXX XXXX and since graduating have not once found employment and they have not provided assistance in any way in that area either. XXXX is one of those for-profit higher education services that have fallen under investigation. I must also note I am considered XXXX and receive an annual amount of {$13000.00} for XXXX! MyGreatLakes is impossible to deal with, ever since they bought out the student loans life has become a living XXXX and it has proven pointless when dealing with them ; they bought out these student loans back around XXXX XXXX and before that XXXX was the lender and no problem to deal with!
Product: Credit reporting or other personal consumer reports

My account with EXPERIAN was never late! I have had exceptional payment history 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 to be updated. 


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 XXXX XXXX before the payment due date. 


EXPERIAN Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX XXXX 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! 


Update the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

On 2 separate occasions ( XX/XX/2018 & XX/XX/2018 ) I have submitted letters asking XXXX, Experian and XXXX  credit bureaus to verify that XXXX XXXX is indeed my account. I do not have a contract or signed agreement with this company. They were asked to supply the method of their verification, instead I only received a credit report stating verified. On XX/XX/2018 I sent a letter asking them to delete the account as I have not received any information verifying the validity of this account. All 3 letters of communication were sent via certified mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

We started using XXXX XXXX XXXX in XX/XX/XXXX. This Account was on both my husbands credit report and on my credit report. It has been taken off my husbands credit report but is still on my credit report As of today XX/XX/XXXX it's still on my credit report. When XXXX XXXX sent them letters they responded Dispute Resolved / Consumer Disagrees. The company we are disputing is XXXX XXXX XXXX XXXX  XXXX, the Account is paid off. So why is this still on my credit report and has been taken off my husbands credit report? My name is XXXX XXXX XXXX XXXX and my husbands name is XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform credit bureaus that the following companies made unauthorized inquiries on my credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
XXXX XXXX XX/XX/XXXXXXXX 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 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
Product: Checking or savings account

I defeated some charges that were valid and I made sure that I personally checked into each one before I submitted my claim the bank is now gone back and forth multiple times crediting and then taking the money back for the last month. More money than what was credited to me {$2100.00} to be precise explain why they are stealing I have made them aware that my father who has the same exact name as I do has been a several of my other bank accounts and and using my identity stealing my identity for a long time I've already submitted police reports about him and now this bank is holding my dispute money plus an additional {$2100.00} that they can not give me a clear explanation for. Now the bank is telling me that they're going to hold my wages for another 30 days 60 days in total and I am a 100 % XXXX veteran I need that money I am in a very tight very bad position at the moment and they're about to make a veteran homeless that does not need to be. I have never had a bank do this to me and they are literally stealing my money because the disputes that I made were 100 % valid I had proof I submitted the proof and it was willing to work with them on anything that they required for me yeah no one can tell me why they're just taking my money like a plain old thief.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, and Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. Reporting a fraudulent account appearing on my consumer XXXX credit report which I do not recognize as reported and data breach which is the result of identity theft and fraud.These fraudulent accounts consists of a credit card accounts opened at XXXX XXXX XXXX XXXX Around XX/XX/XXXX & XX/XX/XXXX, XXXX XXXX XXXX XXXX around XX/XX/XXXX, and loans opened at XXXX XXXX  around XX/XX/XXXX and XXXX XXXX  around XX/XX/XXXX & XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries XXXX XXXX XXXX XXXX XXXX and fraudulent collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA lawsI 've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

On or about XX/XX/year>, Alliant Capital Management and its representatives ( " Alliant '' ) contacted my estranged husband, XXXX XXXX ( " XXXX XXXX '' ), with whom I am legally separated and currently undergoing divorce proceedings. ( See XXXX XXXX. XXXX, XXXX XXXX XXXX NC. XXXX A legal separation agreement was incorporated with the Complaint in this matter, explicitly paragraph XXXX, titled Debts that states that our finances, including any debts, are to remain separate and will not impact the other party. If so, they can file suit and recover attorney 's fees. 

Despite this, Alliant contacted XXXX XXXX and disclosed my personal financial information in violation of the agreement. During the XX/XX/XXXX call, an Alliant representative ( either XXXX or XXXX ) informed XXXX XXXX that I had obtained a personal loan in my name only. They further disclosed details, including the loan amount, the number of months I was behind on payments, and Alliant 's prior attempts to contact me.

That same day, Alliant also contacted my mother, XXXX XXXX, who suffers from severe medical conditions. To exacerbate the situation, XXXX attempted to contact XXXX XXXX again on XX/XX/XXXX and once more on XX/XX/XXXX. Following these incidents, XXXX XXXX informed me that Alliant had shared details of my debts, including information I had not provided to him nor authorized Alliant to disclose. 
Outraged by these actions, I immediately contacted Alliant to address this clear violation of my rights under the Fair Debt Collection Practices Act ( " FDCPA '' ). During the call, their representative, XXXX XXXX, denied any wrongdoing. When I attempted to explain the violation, he raised his voice and interrupted me. I subsequently informed him that any further communication with me should be in writing.

Alliant 's conduct was both malicious and willful, constituting a clear violation of my rights under the FDCPA. Concerned about potential retaliatory actions by Alliant in their debt collection efforts, I contacted the Consumer Financial Protection Bureau ( CFPB ) to seek guidance on submitting a formal complaint.

This violation by Alliant has negatively impacted my divorce proceedings, tarnished my reputation, and raised broader concerns about similar misconduct toward others.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with 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 XXXX XXXX XXXX Account number : XXXX XXXX Bank Account Number : XXXX XXXX  XXXX  Account XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX. Has violated my rights. 

15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c ( a ) ( 5 ) Section States : No consumer reporting agency may make a consumer report containing any of the following information. Any other adverse item of information, other than convictions of crime which antedates the report by more than seven years. 
15 USC 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: Credit reporting, credit repair services, or other personal consumer reports

I called the company several times and explained that the account does not belong to me. I called all three credit bureaus and reported incorrect information on my report. I submitted a paper dispute to all three credit bureaus and asked for the incorrect information to be removed from my credit reports. I wrote to the companies as well and requested to have the account removed from my credit report. This is an error. My last name, my social security number and birth date does not match the person that owe this debt.
Product: Credit reporting or other personal consumer reports

I DONT RECOGNIZE THIS ADDRESS PLEASE REMOVE IT, THANK YOU. 

XXXXXXXX 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
Product: Bank account or service

When I signed up for my checking account with Chase, I specifically opted out of overdraft protection as I did not want to incur any overdraft fees. I specifically asked when I signed up to make sure that charges would not go through if I did not have the funds in the account. 

After I signed up for my account, I learned about " insufficient funds '' fees and how those are different than " overdraft fees ''. If you pay some of your monthly bills automatically, but if you do n't have the funds in your account, the bill payment will still go through, and Chase charges you the " insufficient funds '' fee of {$34.00} per occurrence regardless of the amount you over drafted your account. 

I honestly do n't see the distinction between overdraft fees and insufficient funds fees ; it 's the exact same thing with a different name. I would rather pay a bill a day or XXXX late and incur a small late fee with whatever utility company than be charged a {$34.00} fee. 

Furthermore, I honestly believe Chase 's practice of clearing pending charges at XXXX at night and then having any direct deposit come in shortly after XXXX is an Unfair, Deceptive, or Abusive Act or Practice. There have been times where I have had a charge go through at XXXX, incurred insufficient fund fees, and then have a paycheck be deposited at XXXX. In the span of 3 minutes, I have incurred {$100.00} in insufficient funds fees and then have hundreds of dollars deposited din my account.
Product: Debt collection

On XX/XX/XXXX I received a Garnishment Summons in the mail from XXXX XXXX XXXX for XXXX, issued on XX/XX/XXXX. I immediatly contacted the Law office, Levy Law Firm Co, XXXX, listed on the summons, to get someone who answered the phone, pulled up the account, then proceeded to transfer me to someone who did not answer the phone. This went on for 4 ( four ) hours. The lady I spoke with, did mention that this was for a XXXX XXXX XXXX  credit card, which I have not had an account with XXXX XXXX XXXX  in over 16 years. 

I contacted XXXX XXXX XXXX, and when asked for information, directed me to call XXXX XXXX, as the only account they have listed under my information shows to have been closed back in XXXX. 

I contacted XXXX XXXX, and explained that a garnishment has been taken out against me for a debt that I have never been contacted on, and have no knowledge of. The lady from XXXX XXXX  proceeded to pull up the information and then stated that they could not talk to me as the account was transferred the Levy Law. I explained that I have been attempting to contact Levy Law for 4 ( four ) hours at this point with no one answering. The lady from XXXX dismissed me and stated that she could email a person in the office and they would call me back within the next week. I asked for a supervisor at this point. 

Once the Supervisor was placed on the phone, I let her know that I was recording the phone call, and I explained once again, that a garnishment summons was issued to me, there is no record of any collection being placed on my credit report, and I would not have been able to purchase the home I purchased back in XXXX of XXXX. I explained once again that I could not get anyone at Levy Law to answer when calling for the past 5 ( five ) hours at this point. She stated she would pull up some of the account information that they have, and immediatly told me that the account that they are garnishing me for is from XXXX. 

Virginia State Law has a statute of limitations on unsecured credit card debt of 5 years. Additionally, in order to get a garnishment in the State of Virginia, there must be a Judgement issued for the debt. The debt that they are attempting to collect on is 16 years old, was paid off back in XXXX, and additionally, no judgement had ever been issued for this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX and Transunion are reporting incorrectly a collection/charge-off in the amount of {$10000.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The vehicle was sold at auction and sold for more than the balance owed so consequently, there is no outstanding balance due and owing and therefore nothing to charge-off. This incorrect reporting of a charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove these items however, I have not been successful.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX & XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX 
Account XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX, XXXX  have not removed the inquiries. I can't call any of the agencies. The phone numbers do not allow you to proceed nor speak to a live person. The only thing that was corrected was my name. Equifax, XXXX  nor XXXX  did not attempt to fix the problem regarding the inquiries. This has happen before to my credit report in the past regarding wrong names, addresses and inquiries. 
Thank you for your help!
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital Ones failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFT ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Credit card

My credit cards were closed with capital one because of Payments not going through due to my bank. Im getting charged interest fees and late fees when they close my account in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The XXXX Credit Bureaus have failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if the bureaus are investigated properly before posting derogatory information.
Product: Debt collection

Repeated calls from XXXX several times a day for months! I don't have an account with this company ( XXXX  the number & it belongs to Midland Credit Management ). I also checked my credit report and I am not in default on any loans or credit cards.
Product: Credit card

When i got my statement for XX/XX/2023. They want me to pay them for a credit of {$180.00} they say they gave until my dispute was solved. 
I have e-mails from Discover & the sealer where XXXX XXXX played games with Discover about given me a credit & then retract it then but it back. Now they want me to pay Discover {$180.00} by XX/XX/XXXX I talked to twelve different agents.some say i do not owe it.When ask them to take off of my bill for XXXX. They set me to some who has the power & means to do that but they look at the account they say i owe it But they agree i got two credits & when i tell them since i have not used Discover XXXX XXXXXXXX XXXX take XXXXXXXX XXXX  & pay Discover But what got me, they told me after one of them that i did not have to pay the {$180.00} and a supervisor would call me in 24 hrs. & when i called this morning no one there new any thing about that procedure