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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXXXXXX : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section 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 convictions of 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 that the information is inaccurate.
Product: Credit card

I had booked a ticket with CapitalOne credit card # XXXX on XX/XX/XXXX on a website makemytrip.com for a package to XXXX, XXXX # XXXX. Immediately after purchase I understood the fraudulent nature of this company- they said that we were paying for 3 beds but went back and said we have to pay for the extra 3rd bed after purchase. They sent new terms and conditions stating that everything advertised was reversible and we could not ask for refund. After seeing this, I cancelled the ticket at XXXX on XX/XX/XXXX and took a screenshot and I called capitalone telling them what happened. CapitalOne assured me that they got my back. I emailed the merchant since I did not receive a confirmation from them and that email was unanswered. On XX/XX/XXXX, I got an email from the merchant asking about the credit card dispute- I told them what happened and asked for refund again, to that there was no response. On XX/XX/XXXX the merchant kept making intimidating calls to me to go and I still did not go on the trip as Capitalone assured me that it has got my back. On XX/XX/XXXX I got a mail stating that the amount has been rebilled by CapitalOne to my account since the merchant sent paperworks stating that I agreed to pay the original amount. The merchant has not disclosed any acknowledgement that I had made attempts for cancellation. I submitted all the emails and screenshots that I had to Capital One but it refused any of those documentation to be valid documents. Now it wants me to pay the {$1900.00} for a trip that I did not make. Instead of protecting me from the fraud that has happened- CapitalOne now is making me bleed for such a large amount when I never got the service. CapitalOne is stating that my documents ( screenshots and emails to the merchant ) are not valid documents. I am attaching them to this email. They are also refusing to press charges against the merchant even though they said that they would do that before. They re-billed the transaction of XX/XX/XXXX to me on XX/XX/XXXX I am attaching the statement for it. Capital One though initially returned the full amount but now making me pay for something that I did not even get a service of. Please help.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, a payment of {$35000.00} was wired to my XXXX XXXX XXXXXXXX Account. 

XXXX ) The following day, XX/XX/2023, I wrote a {$25000.00} check from my XXXXXXXX XXXX account to Wells Fargo. 

XXXX ) On XX/XX/XXXX, the deposited funds were noted as available in my account. 

XXXX ) However, on XX/XX/XXXX, around XXXX XXXX, I received a text message from Wells Fargo, informing me that I would not be able to access the funds in my account. 

XXXX ) Frustrated and concerned, I visited a local Wells Fargo branch around XXXXXXXX XXXX on XX/XX/XXXX, specifically the branch located at XXXX XXXX XXXX, XXXX, VA. The banker I spoke to informed me that the bank had the right to hold any check deposited via my mobile device for up to 10 days and that my funds would not be available until XX/XX/XXXX. When I inquired about the criteria triggering the hold, she explained that there was no fixed criteria, and they had the discretion to hold funds as they saw fit. 

XXXX ) On XX/XX/XXXX, I visited the Wells Fargo branch at XXXX XXXX XXXX, XXXX XXXX, MD, and met with XXXX XXXX, the Branch Manager. I presented my bank statement, clearly showing that the funds were already in my XXXX XXXX account at the time of the deposit into Wells Fargo. XXXX XXXX, too, was puzzled by Wells Fargo 's refusal to release my funds. He dedicated 45 minutes to advocating on my behalf, even contacting Wells Fargo 's fraud prevention unit, but unfortunately, his efforts were in vain. 

XXXX ) To this day, I have not received a satisfactory explanation for why my funds are being held by Wells Fargo. I was simply told that the money would be released on XX/XX/2023. 

Wells Fargo 's actions amount to fraudulent behavior, as they are withholding my money without any valid reason
Product: Credit reporting, credit repair services, or other personal consumer reports

In a accordance with the fair credit reporting act XXXX  account # below has violated my rights 15 U.S.A 1681 section 602 A states I have the right privacy.

15 U.S.A 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692 section 805 A section 3 states as the consumers place of employment if the dept collection knows or has reason to know that the consumers employer prohibited the consumer from receiving such communication 15 U.S.C 1692 section 805 A states dept collector may not communicate with a consumer in connection with the collection in any dept at any unusual time or place known to be inconvenient to the consumer 15 U.S.C 1692 section 806 section 5 causing a telephone to ring or engage any person in telephone conversation repeatedly or continually with intent to annoy, abuse or harass any person at the called number XXXX XXXX # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

My Name is XXXX XXXX XXXX the following addresses below are inaccurate. 

addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under 15 U.S Code 1681i I demand an investigation be done and these addresses be removed immediately. This has been a great inconvenience to me. My proof of address has been attached.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account info XXXX has been paid in full. The case was settled but is still on my Experian account. Could you please remove from my account? 

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

In Accordance with the fair Credit Reporting act XXXX  account XXXX XXXX XXXX XXXX account number XXXX, has violated my rights.

In Accordance with the fair Credit Reporting act XXXX  account XXXX XXXX XXXX XXXX, has violated my rights. 

In Accordance with the fair Credit Reporting act XXXX account XXXX XXXX XXXX, has violated my rights. 

In Accordance with the fair Credit Reporting act XXXX accountXXXX XXXX XXXX, has violated my rights. 

In Accordance with the fair Credit Reporting act XXXX  account emergency XXXX XXXX, has violated my rights. 
In Accordance with the fair Credit Reporting act XXXX  account XXXX XXXX XXXXXXXX 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 connot furnish a account without my written instructions.
Product: Debt collection

Good Evening ; I just finally got off the phone with representative XXXX XXXX at First Financial Resources Inc in regards to a recent entry on my credit report account # XXXX on a debt that i don't owe to them. After 10-15 conversations with XXXX, she mentioned that the social security numbers on file are completely wrong and she said that she will escalate this issue to her supervisor. The only reason I found out about this issue is because i recently went to finance a newer vehicle and the finance manager told me that I have a {$9600.00} medical collection on my file and I became perplexed and stressed for the last couple of weeks.

I'm not 100 % sure, but this is a total violations of both state and federals laws especially under the provisions of FCRA and FDCPA. Because of this is the only negative item on my credit report, it dropped my credit score way below the mark and caused my recent finance interest rate to sky rock.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the FCRA to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The CFPB has recently filed a lawsuit against Experian alleging systematic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience where Experian has neither corrected nor removed disputed items despite the evidence I provided causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts as Experian 's lack of action violates federal law and my rights as a consumer.
Product: Vehicle loan or lease

I was affected by XXXX  I was in the hospital for a week which caused me not to work do my finances decreased. I had a payment plan set up but didn't hve the money when it was dueXX/XX/2021  due to other bills I had that were also past due which are still past due! When I received the call that I needed to set up a payment I did say a date but again being in the hospital from XXXX my finances didn't meet now XXXX  affected me very bad I had XXXX. I did let them know I was in the hospital but it seem like they were not concerned just wanted money! Till this day XXXX still haven't returned to work because of my breathing so I'm past due even more I was admitted on the hospital XXXX XXXX 2021 and released XXXX XXXX 2021 XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX The company is called CREDIT ACCEPTANCE! 
THE DATES THEY CALLED XXXX XXXX XX/XX/XXXXXXXX and XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in the month of XXXX
Product: Checking or savings account

I deposited a loan check from a reputable company in my Chase checking account via a branch ATM on Friday XX/XX/XXXX around XXXX. I had several hundred dollars in the account at the time. I was told there would be a hold on the check until Saturday XX/XX/XXXX and then Tuesday XX/XX/XXXX the remainder of the funds would be available. I agreed. On Saturday XX/XX/XXXX I attempted to use my debit card to find that my account had been frozen restricting access to all funds. I called customer service, was treated poorly and was told they didn't know why my account was frozen but I'd have to go to a branch in person on Monday. Today Monday XX/XX/XXXX I spent my entire lunch break at a Chase branch attempting to resolve the problem. I had to go back to work and they said they'd call. They didn't. I returned to the Chase branch after work and was told that although the check had cleared my account was still frozen because " the font on the check didn't look right '' and I would need the lender to accompany me to the bank to tell them it was real. According to Chase my two forms of ID are not good enough, a phone call from the lender isn't good enough, I need a third party from a lender to come with me to cash a check that has cleared. The branch manager got involved and realizing how ridiculously unfair this was attempted to resolve the problem. She did her best and I am grateful for her work however my account is still frozen and I have no answer as to when it will be unlocked. I was given {$280.00} of my money to basically get me to leave. I took this loan because I have very important bills to pay but I can't because Chase is playing games. The check cleared XXXX XXXX XXXXXXXX and Chase has the funds but they refuse to allow me access to my money because they simply don't want to. I have never bounced a check, never overdrawn my account, have no criminal record and yet Chase can treat me like this. I can't even close the account because it's frozen. I don't know what else to do and really need help.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX Subject : Request for Debt Validation Account Number XXXX : { XXXX Account Number XXXX : XXXX. 

Dear XXXX XXXX XXXX XXXX, I am writing to request validation of the debt referenced above, which I understand you are attempting to collect. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request verification of any debt you claim I owe. I request that you provide the following information. 

1. The name of the original creditor.

2. The amount of the debt.

3. A detailed explanation of how the debt was calculated.

4. Any supporting documentation proving that I owe this debt.

5. Proof that you are legally authorized to collect this debt in my state.

Please consider this letter a formal dispute of the debt until validation is provided. While awaiting this information, I request that you cease all collection and activity on this account, including reporting this debt to credit bureaus.Please delete from bureaus. 

Thank you for your cooperation in this matter. I look forward to receiving the requested documentation. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I have a credit card from a company called One Main Financial/ XXXX  I reported that this credit card was stolen out of my car along with other items almost a whole year ago on XX/XX/XXXX. They claimed that they will block the account from further use. I then received the bill around XX/XX/XXXX showing that there were merchant charges on the account around XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I then called One Mains customer service at XXXX. I asked them why is there new charges on my card AFTER I called them and reported it stolen on XX/XX/XXXX. The rep stated the account is still open and there is no note that says it was stolen. I strengthened said that Im not paying for those new charges and that they need to block my stolen card from usage. The rep said okI blocked the account from usage. On about XX/XX/XXXX, I received another bill, and this bill had some more Brand New additional charges at other Merchants. So obviously the last 2 representatives LIED to me and told me that they blocked my account. So I called these One Main/ XXXX card people for the THIRD TIME over the same issue. I asked this rep, is my account blocked, closed or open? The rep said the card is open. I said why is my card open after I reported it stolen TWO times before in previous months. The rep said its no notes on the account that says the card was stolen. I asked what the XXXX is going on? The rep claimed that she is not allowed to block the account, and she will have to transfer me to get them to do that. I said that is the weirdest thing Ive ever heard of. I was then transferred to the retention department. I asked why hasnt my account been blocked since it was stolen.rep said, there is no note, but I will block the account. After that call, I then, suspiciously called them right back and I asked the new rep is my account blocked. This rep says no, its still open. I said close the account then.this rep stated that they will NOT close the account and they will not block it, for being stolen either. Then I told them I wont pay anymore on this account and they just need to take me to court that way I can explain to the Judge about their deceitful business tactics and their dishonesty as far as blocking my stolen account. So to make a long story short, even with all of this back and forth, this crooked Company, ONE MAIN FINANCIAL XXXX credit card has refused to block my account after I reported stolen. They also refused to close the account after my last phone call with them on XX/XX/XXXX. 
So this stolen card account is still OPEN almost a year later. They charge a XXXX to XXXX dollar annual fee every year, and apparently that is revenue for the company and apparently, they feel it easier to rack up charges and annual fees. Because againthats revenue.even if the card is stolen.
Product: Credit reporting or other personal consumer reports

These furnishers continue reporting false, inaccurate information on my credit report. YOUR COMPANY continues to report the inaccurate information on my credit report that violations of my rights under the FCRA. In addition, here are some of the laws that continue to be broken at my expense!

- Per Section 623 15 U.S. Code 1681s2 : 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.

- Per Section 623 ( a ) and 623 9 ( a ) ( 2 ) : Duties After Notice of Dispute from Consumer. If a consumer notifies a furnisher, at an address specified by the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. 
- Per Section 623 ( a ) ( 5 ) : Duty of furnishers to provide date of delinquency on charge-off, collection or similar accounts. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Student loan

I just recieved in the mail my first contact by aidvantage who i didnt know was going to be taking over from XXXX XXXX With XXXX  I was almost complete in the process of having my loans forgiven. When I opened the letter it welcomed me to aidvantage and stated my payment schedule for the first payment due on XX/XX/2022. I received this letter *first contact* on XX/XX/2022. I logged on to this new account and see that I am past due and and missed 1 payment! What. Payments are suspended until XX/XX/2022! Also my payment schedule is XXXX dollars a month when I have been paying XXXX dollars. I am XXXX, XXXX, and am a military XXXX. I am filing a complaint with you, the state board, XXXX, and the cfpb. I want any missed payments removed and expunged from record and I want any reporting to credit bureaus reversed. I want my loans to be forgiven or discharged immediately. 

Desired Settlement : Billing adjustment ; Correction to a credit report ; DISCHARGE
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Apt XXXX XXXX, Texas XXXX Phone : XXXX Email : XXXX XX/XX/year> Equifax XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Investigation and Dispute of Charge-Off under 15 U.S.C. 1681i To whom it may concern : I am writing to formally dispute a charge-off account that appears on my credit report managed by Equifax. After reviewing my credit report, I have identified this account as inaccurate and potentially damaging. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I have the right to request a thorough investigation of disputed information on my credit report. 

Pursuant to the provisions of the FCRA, I respectfully request the following : A detailed reinvestigation of the charge-off account in question to verify its accuracy, completeness, and validity. 

XXXX correction or removal of this charge-off if it is found to be inaccurate, incomplete, or unverifiable. 

Written confirmation of the results of your reinvestigation, including any changes made to my credit report as a result of this dispute. 

The FCRA mandates that consumer reporting agencies must conduct a reasonable reinvestigation within a specific timeframe to ensure the accuracy of the reported information. Therefore, I trust that Equifax will handle this matter with due diligence and compliance with federal regulations. 

Attached to this letter, you will find a copy of my government-issued identification and proof of address to assist in your verification process. 

Thank you for your prompt attention to this matter. I look forward to receiving your response within the timeframe prescribed by law. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX U.S.C. XXXX ( Procedure in Case of Disputed Accuracy ) This section of the Fair Credit Reporting Act outlines the procedures that consumer reporting agencies must follow when a consumer disputes the accuracy of information on their credit report. Key provisions include : The agency must conduct a reasonable reinvestigation of the disputed information. 

If the information is found to be inaccurate or can not be verified, it must be corrected or deleted from the consumer 's credit file. 

The consumer must be informed of the results of the reinvestigation within the required timeframe. 

Failure to comply with these procedures can result in a violation of the FCRA and entitles the consumer to seek corrections and legal remedies.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have rights.

15 U.S.C 1681 section 604 A section 2 states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) section 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 convictions of 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 that the information is inaccurate.
Product: Debt collection

On XXXX I contacted my dentist about a past bill. They told me to contact radius global solutions to pay the bill and provided a number. After calling that number I was directed to another phone number. After talking to the customer service agent I was charged {$180.00} to settle the debt. Within 2 hours my same card was charged fraudulently multiple times for clothing and food from XXXX and XXXX. The employee clearly stole my credit card information and went on a spending spree.