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

I think current and potential customers should be aware that Capital One may make publicly available all credit card statements in a legal proceeding. I had a credit card for approximately 6 years and was unable to make payments due to unemployment problems. I relocated to find suitable employment and was contacted around XX/XX/XXXX by their attorney, XXXX XXXX XXXX. I attempted to set up payment arrangements prior to any legal action being taken and received a stipulation of judgment upon default agreement that included an erroneous filing fee for a case never filed. I did not sign this because it was inaccurate and I was working a temporary position and renting a couch - the likely hood of defaulting in the future was very high. I requested they only contact me in writing ( no email or phone communications ). The next notice I received from them was in XX/XX/XXXX and it was a summons to appear in court. Once again, I was unemployed and unemployment only covered the basics. Mediation was held in XX/XX/XXXX, I was fighting this in part because the original customer agreement stated only Virginia and Federal law would be applicable and also because I was recently diagnosed with a condition that required XXXX and time off work to recover. They did not have a copy of the original contract so when this case went to trial in XX/XX/XXXX XXXX XXXX XXXX filed 6 years of statements with the court to prove their case, which made them public record. They did not redact any information on the statements and did not file any motions to protect any of this information. During trial I commented on this and I have attempted to file a motion with the court to correct their error. They continue to tack on erroneous fees. Included in the judgment are 3 fees that occurred prior to the case being filed with county court and they attempted to simultaneously garnish my wages and levy my bank account. If I had been more forthcoming with them and made payments, they would have been successful in taking all of my money shortly before I was scheduled to have XXXX and was physically incapable of working for several weeks. Unfortunately, this also means they have filed three different writs since XX/XX/XXXX and the judgment now includes {XXXX} in alleged court costs. Of course I ca n't afford to hire an attorney and I have filed motions pro se with the court, but I do n't even think the court is reading what I file. None of my other creditors were this aggressive, I made arrangements or settled with almost all of the others. Now they will suffer for being decent because bankruptcy is the only option I have to deal with this one.
Product: Credit reporting or other personal consumer reports

Experian and trans union has inquiries on my account that is not supposed to be on there because it was also taken off of my XXXX  inquiry due to identity theft. I have tried to contact the collection and credit companies individually and there is no help, I also tried to get it removed from experican and tranunion multiple times but keep getting rejection letters.
Product: Credit reporting or other personal consumer reports

I previously submitted a dispute regarding inaccuracies on my credit report, and I have yet to receive proper validation or correction of the disputed accounts. Under the Fair Credit Reporting Act ( FCRA ), Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), I request that you verify these accounts with documented proof or update them immediately. 
Reporting unverified information violates federal law, and failure to provide substantiating evidence within the required timeframe is unacceptable. Please investigate and correct the following accounts on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XXXX XXXX, 2021 Money was transferred twice via XXXX from my checking account at XXXX Bank XXXX XXXX ). Each transfer was {XXXX} for a total loss of {XXXX}. XXXX Bank 's investigation indicated that the transfer was made from my computer and there was no bank error. I did not initiate these transfers and no one else has access to my computer. I have used XXXX numerous times in the past and had no problem. I have been unable to speak with anyone at XXXX because it is not possible to reach a person by phone. 

I recently learned from a customer service person at XXXX Bank that the money was transferred to " XXXX '' at Wells Fargo Bank. I contacted Wells Fargo Bank today and was told that they would not give me any information and that my bank had to contact them. My bank said that they had closed my investigation and would not make this inquiry. Ultimately, they advised filing a police report, which I will do as soon as possible. 

My complaint s are 1 ) that I lost {XXXX} through a fraudulent transfer ; 2 ) that I was - and still am - unable to contact a person at XXXX to request information about the person or place where they transferred my funds ; and 3 ) I have received no assistance in attempting to trace the transferred funds. I do not believe that a company ( XXXX ) should be permitted to operate in Pennsylvania or anywhere else if that do not provide appropriate consumer service, such as a person to contact with problems.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sallie Mae is reporting my accounts as having a balance. The accounts are closed and the balances are all XXXX. 

When I filed a dispute with the reporting agencies, Sallie Mae told them their reporting was accurate even though they know it isnt. 

All accounts have a XXXX balance and are closed.
Product: Bank account or service

I have been banking with Bank of America since XXXX or XXXX. At this present time, I find Bank of America to be the biggest criminals out there. In XXXX I opened up and IRA with this company, and I guess the interest rate was okay at the time. Currently my money only nets me {$1.00} a month. On the other end, I have a credit card with this company and they are earning over {$600.00} a year in interest off of me. This is a deplorable way to treat a customer, in fact it is a crime if you ask me. They send out correspondences stating you can get 0 % interest for a certain amount of time, but it is a trap only to get the consumer to pay more interest. I feel that everyone should know about this, this is a trap to keep consumers in debt. Bank of America is for hard working people, but they do not care at all about their clients.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, Tx XXXX Date of Birth : XX/XX/XXXX SSN : XXXX XXXX Date : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX PA XXXX Telfono : XXXX Dear Sir/Madam : Upon reviewing my credit report, I have identified certain incorrect information that needs to be corrected immediately. Below, I detail the inaccurate information that should be removed, as well as the correct information that should be reflected in my credit report : Incorrect Information to Be Removed : Incorrect Name ( s ) : XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX  Incorrect Address ( es ) : XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX  XXXX, TX XXXX ; XXXX XXXX XXXX, TX XXXX Correct Information to Be Reported : Full Name : XXXX XXXX XXXX Correct Date of Birth : XX/XX/XXXX Correct Social Security Number : XXXX Correct Address : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Tx XXXX Current Employer : I have attached a copy of my government-issued identification and a utility bill to substantiate the accuracy of my correct personal information. This documentation should help expedite the verification and correction of the information in my report. 

Additionally, I believe that these informational errors may be affecting my credit score and could potentially result in unjust credit denials or misrepresentations of my identity, with the risk of associating me with fraudulent activities. 

Request for Investigation and Procedures Pursuant to Section 611 ( a ) ( 6 ) ( B ) ( iii ) of the Fair Credit Reporting Act ( FCRA ), I request a detailed summary of the procedures used to verify the accuracy of the information on my report. This summary should include all steps taken during the reinvestigation. 

Additional Request Please note that any automated response generated through the e-OSCAR system will be considered insufficient to resolve this dispute. I demand a thorough manual investigation and a personalized response addressing each of the points raised, in full compliance with applicable legal requirements. 
I also request that all phone numbers listed on my credit report be removed, as I have been a victim of unsolicited robocalls. Additionally, I would appreciate confirmation of receipt of this dispute and periodic updates on the status of the correction, using the mailing address provided above. 

Request for Correction I request that you promptly correct this information, as these errors can harm my credit history and misrepresent my identity. Pursuant to Section 611 of the FCRA, I request the removal of any inaccurate or negative information from my credit report, and I expect to receive an updated report reflecting these corrections within 30 days, as required by law. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX
Product: Bank account or service

Bank of America debited my account on XX/XX/XXXX for a deposit that I made on XX/XX/XXXX. The explanation that I was provided was that the same check was presented at a XXXX XXXX bank on XX/XX/XXXX and that they sent me some information in the mail but they would n't be able to assist me further. I raised my concern about fraud and that my bank should assist in protecting my funds, however, the response I was given was that Bank of America was unable to help me and I had to call the bank that issued the check to discuss. 
The check was issued from a XXXX XXXX XXXX XXXX ( XXXX ), when I called to discuss as instructed by Bank of America, the individual whom I spoke to stated they could only speak to and assist the individual who wrote the check, whom I needed to contact. I have not had any luck in getting the indivdual who wrote me the check to call me back or contact XXXX for them to begin their investigation into the fraudulent activity that ultimately impacted me.
Product: Credit reporting or other personal consumer reports

CFPB XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Unauthorized Accounts Due to XX/XX/XXXX Data Breach Dear CFPB Representative, I am filing this complaint regarding inaccuracies on my credit report due to the XX/XX/XXXX data breach. My personal and financial information was compromised, and I have since identified unauthorized accounts, inquiries, and/or personal information changes on my credit file. 

I have attempted to dispute this information directly with the credit bureaus but have not received a satisfactory resolution. Therefore, I am requesting CFPB intervention to ensure my credit report is corrected. 

Details of Dispute : Full Name : XXXX XXXX ] Date of Birth : XX/XX/XXXX Social Security Number ( Last XXXX Digits ) : XXXX Addresses on File : [ List Your Addresses ] Credit Report File Number ( if available ) : [ File Number ] Credit Bureaus Involved : [ XXXX, Experian, XXXX ] Nature of Complaint : Unauthorized accounts appearing on my report. 
Hard inquiries I did not authorize. 
Inaccurate personal information changes. 
Failure of the credit bureaus to properly investigate my dispute. 
Requested Resolution : I am requesting that the CFPB ensure the immediate investigation and removal of any unauthorized accounts, hard inquiries, or inaccurate information on my credit file. 


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

I did not sign any agreement that XXXX could furnish my personal information to any company. This is a clear violation of 15 USC 1681B ( 2 ) AND this is also Identity theft. The report of six late payments to my account XXXX is not verified and is a clear violation of 15 USC 1681A ( 4 )
Product: Money transfer, virtual currency, or money service

Since XX/XX/2022 I sent an International transfer of {$4000.00} to XXXX, but the beneficiary never received the money until today, I contacted PNC BANK for a refund twice and wait for XXXX, but they never refund the money to my account, every time I called they told me something different. the first resolution was stated that ; The funds were credited to the recipient on XX/XX/2022, they are unable to be recalled. 
I submitted another recall, but this time the resolution mentioned another date the recipient received the money which was XX/XX/2022. Their resolution is not clear to me, based on the receipt of the transaction, the money will be available on XX/XX/2022, how come it was already credited on XX/XX/2022? and also I remember I was on a phone call with PNC, they told me that the XXXX  XXXX XXXX refunded the money to my account that was not true, they saw that. I requested them to track the money for me but they never send me the tracking result. I wan na know the account number that they say the money was credited to, the name of the person, and the time, and date. 
My question is Where the money is Exactly because it was not credited to the recipient I sent it to?
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi XXXX  ; and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Product: Credit reporting or other personal consumer reports

I have been a XXXXXXXX XXXX customer since XXXX and have always honored my payments and made sure I was using my credit responsibly. 
As I returned to The US on XX/XX/XXXX from traveling abroad, XXXXXXXX XXXX  reported my account as delinquent for missing a single payment to cover my statement from XX/XX/XXXX. They argued that my payment was 34 days late. By failing to contact me first or call the number on file, they simply automated the reported of my account as delinquent, thus making my credit dip XXXX points below. While they argue they sent a mail to my address, I did NOT receive anything and they did not make any effort to call me ( my phone was working, yet they did not make the effort to contact me to make the payment as I always do ). 
I am not a new customer and have a good history of making payments. In this instance, XXXXXXXX XXXX chose to handle this situation unethically and without any consideration for my rights as a consumer. 
Reporting my account as " delinquent '' without any prior communication was an institutional mistake, and I want XXXXXXXX XXXX  to remove it from my credit report. 

- XXXX XXXX XXXX XXXX
Product: Credit card

On our Barclaycard we had a balance of XXXX. We sent payment on XXXX XXXX Payment over balance in amount of XXXX with a due date of XXXX XXXX XXXX fully XXXX days or XXXX days to arrive in City XXXX XXXX. We called two days after XXXX XXXX ..XXXX XXXX. And balance indicated IT NOT only had not been recieved ( or so they would claim ) but there was additional balance indicating a late fee. IT however had to be in their possesion for it was cashed check XXXX on XXXX XXXX. We sent a XXXX payment of only the previous balance since i called and they said they would waive the late fee. This XXXX payment I sent check XXXX by certified mail and was recieved XXXX days later..the certification came back dated XXXX XXXX. I called that day to see if the XXXX check had been cashed and MY account showed a balance of negative XXXX that is a credit balance. I have another credit card with Barclaycard. and asked if this XXXX could be transferred against debt on this other card. They said NO. They agreed to send a check to us at our physical address of XXXX XXXX XXXX XXXX Michigan My name is XXXX XXXX XXXX. They did not they faxed it to our XXXX. Which was not agreed upon and charged us so fee..XXXX of which I recieved a letter date XXXX XXXX.in so doing. AND did not send us this months billing. but XXXX letters. DUE THIS month XXXX XXXX. and today is XXXX XXXX. So I called them today. NO explanation of how they arrived at XXXX. My intention had been to pay the balance and cancel the card..and they keep moving the DUE date and the payment address to XXXX. when it was in XXXX. and have trumped up some bogus charges made by someone XXXX like it was someone who got ahold of my account number evidently to make us feel like they were doing their job..or perhaps to sell us some other service. My neighbor has a Barclaycard..and a few other people I know and they have had similar problems with them So they need to be investigated. I called today ..no XXXX gave explanation of how they arrived at XXXX for some trumped up fee. WHEN the account was paid off. But they finally after calling DROPPED the XXXX and some guy named XXXX in XXXX said it was dropped but could not understand him. Something about XXXX fee. for reversing the check..I had tried to stop payment on the XXXX check..but it had already arrived and they cashed it giving a credit balance of XXXX aforementioned. So it was NOT like they were charging me for stopping payment on a balance owed them. in the XXXX place. IT was never stopped since they cashed it before STOP payment arrived evidently. Just all round bad business practice NEVER had a Credit card ever do this to someone WHO pays their bills. And NONE of them have ever charged to return MONEY overpaid to them. In fact XXXX credit card company without me calling XXXX returned the money because they simply wanted an even balance at XXXX. There is the story.
Product: Credit reporting, credit repair services, or other personal consumer reports

initially sent a dispute letter XX/XX/2020, with a picture of id and social security side by side and a bill and got no response. Then I sent another letter XX/XX/2020 certified mail. again with a picture of id and social security side by side and a bill. there reply was they cant locate my account and asked me for the same information ( id, social security, bill ) That i already sent. This has been well over 60 days of my initial letters and feel as if I am being stalled.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2018 my dispute of a questionable reporting from Prosper Marketplace via certified mail # XXXX was signed. The account is being reported as charged off for {$9300.00} and I am disputing this. I am requesting documents bearing my signature to show the validity of this account that is being reported to all three credit bureaus. More than 30 days has passed without a response. I mailed another certified letter via certified mail # XXXX and it was delivered XX/XX/2018. Still no response. Per federal regulation this item must be immediately and permanently removed from my credit reports for Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) and Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) The company also did not mark the item as " disputed '' on my credit reports with in 30 days of receiving the dispute. 
Please see attached dispute and supporting docs. My dispute requested that Prosper provide the substantive information used to verify and authenticate the purported account. The failure to respond within 30 days constitutes an immediate removal of this item from my credit report.
Product: Credit reporting or other personal consumer reports

Equifax Customer Data Breach ( XXXX XXXX ) XXXX XXXX. XXXX Customer Data Breach ( Case XXXX ) I have been impacted by Equifax and XXXX XXXX XXXX, ( XXXX XXXXXXXX XXXX ), my SSN being used as a personal gain. I have reported the criminal activity to the appropriate authorities. My file keeps showing over time FCRA violations : Late Payments : 15 USC 1681 a ( 2Xi ), 15 USC 1681 ; Permissible Purpose : 15 USC 1681b ; Reinsertion Deleted Items : 15 USC 1681i ( 5 ) ( b ) Responsibilities of Furnishers : 15 USC 1681 ( s ) -2 ; Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) ; Verification : 15 USC 1681i ( 7 ) The accounts are : XXXX XXXX : # XXXX, Balance : {$5500.00}, Open Date : XX/XX/year> XXXX XXXX : # XXXX, Balance : {$9200.00}, Open Date : XX/XX/year> XXXX XXXX : # XXXX, Balance : {$7700.00}, Open Date : XX/XX/year> I have attached to as well : Equifax Data Breach Impact Notice ; NC government-issued ID ; Utility Bill ; Identity Affidavit ; FTC Report ; Self-Attestation Form ; Affidavit of Truth.

The presence of the inaccuracy XXXX XXXX cards, due to Equifax and XXXX XXXX XXXX, as I am a consumer along as being a rewards member of XXXX, has affected my business credit report, as i just found out about the XXXX cards. I am seeking legal actions, if this issue is not rectified under federal laws and removed. I have contacted Federal agencies to assist me with this matter. My consumer rights have been tarnished and violated. Equifax has reported the negative information on my credit file without my consent. I have never signed any application permitting this agency to report such information. I have requested proof, including a signed application or contract along with my valid drivers license, but neither Equifax nor the reporting Furnisher ( XXXX ) has provided documentation. This raises serious concerns about Equifaxs compliance with FCRA regulations, which require a permissible purpose for accessing and reporting consumer credit information. Under the Fair Credit Reporting Act ( FCRA ), s15 U.S.C. 1681c-2 ( a ), I am requesting that you immediately, remove all fraudulent information from my credit file ; notify any third parties to whom this fraudulent information may have been reported ; and provide confirmation in writing that the requested changes have been made to my credit report. I certify under penalty of perjury that the information provided in this notice and its attachments is accurate. XXXX XXXX, PhD Candidate