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

Around XXXX I made a complaint about illegal ATM fees wisely ADP was charging me. ADP wisely is a payroll card merchant where I receive my funds for work as well as a debit card. When I made the complaint someone from compliance reached out to me and ultimately ended up refunding me for the last 90 days in the total amount of XXXX dollars even though I requested during the whole life since account was opened. What happened was I would use a atm get charged XXXX dollars for using the atm for that atms fee. then another XXXX dollars for using an outside network by ADP wisely, and then another XXXX dollars if I entered the pin wrong. So a total of XXXX dollars per transaction was taking place on my hard earned money. I informed ADP wisely it goes against the electronic transfers act as well as it being a billing error 15 usc 1666B and they did a brief investigation and gave me a refund for the past 90 days. What followed after this a week later was a serious of calls and a email from wisely. They stated that I can not receive incoming withdrawals from XXXX XXXX XXXX XXXX  I asked why I was not given a very solid reasoning to this and if I continue to do so they would close the account. I have had this account since XXXX and have been using XXXX, XXXX and XXXX XXXX since then for transfers from friends and family or etc but now it became a issue. I believe the company is taking adverse action against me for asserting my rights as a consumer. I tried to consult and was ignored and ultimately the account was closed on a day I was set to receive my direct deposit from work. I ended up being late on my rent and it took 3 business days before I saw the money and it was inconvenient. I still to date have not receive a lettter stating why it was closed so the company was not operating in good faith and it is very evident it was due to my complaint in may the account was closed on XX/XX/XXXX. I am writing CFPB to have this on record
Product: Credit reporting, credit repair services, or other personal consumer reports

How come everyone recognizes my complaint as a repeat, nobody recognizes they never answered my question. What is truly amazing is nobody at cfpb recognized that TransUnion response is a form letter. Here we go again. OK so lets start out again this is a repeat probably 1015 times over. Trans Union keeps telling me I need to go to XXXX XXXX. I keep telling TransUnion I did go to XXXX XXXX. Trans Union keeps stating that all they do is report was given to them. Yet the last time I called Trans Union they claim that a report was never given to them stating that I was delinquent. Yet Trans Union did show me delinquent. And again to re-iterate XXXX XXXX  has given me documents showing that they never showed me as delinquent. So again I ask why did Trans Union report me as delinquent with no such report or information was ever given to Trans Union. So lets repeat everything Trans Union keeps telling me to go to XXXX XXXX. I have multiple times. Trans Union keeps claiming that all they do is report was given to them. Yet they refuse to give up a copy of this so-called report. Why will not Trans Union give me a copy of what they claim they have. Yet when I called Trans Union they claim they didnt have it. Trans Union cant tell me why they showed me as delinquent all of them as a guess someone screwed up at TransUnion. What happened at TransUnion is my question. Again I have gone to XXXX XXXX  many times so stop telling me I need to contact XXXX XXXX. Nobody ever reported to Trans Union that I was delinquent. Yet Trans Union showed me as delinquent. Why Again, TransUnion told me they have no report from XXXX XXXX. Yet TransUnion showed me delinquent with XXXX. TransUnion doesnt read my complaint. 

TransUnion never received a report showing me delinquent, yet TransUnion showed me delinquent. Why? Answer the wuedtion
Product: Debt collection

I sent the company a letter for verification of debt an as well I disputed it with my credit bureau as well an they stated its been verified however I have never received any documentation. I would like the debt deleted from my credit reports due to noncompliance of the Section 809 of the Fair Debt Collection Practices Act
Product: Credit card

My card got declined for a few transactions. 

Called in the customer support rep for more than 10 times on XX/XX/year>. 
Got placed on hold multiple times for more than 5minutes.

One of them went to the point of verifying the declined transactions. 
But they have very bad XXXX seems to have been hired in XXXX or XXXX. 

I am stuck with this card now and the window to do transactions for a bonus offer is ending soon.
Product: Credit reporting or other personal consumer reports

In XX/XX/year>, I requested the removal of an old account that is well past the statue of limitations from my XXXX and Transunion Credit Files. I paid the account off in full 6 years ago. I have disputed the old creditor by the name of XXXX ( account # XXXX multiple times now and have been met with a FALSE verification letter from both bureaus stating that all information is correct, HOWEVER the account/creditor should be removed due to bein past the statute of limitations.

Under FCRA 15 U.S.C 1681p - The FCRA provides for a two-year statute of limitation from the date of discovery of the FCRA violation, as well as a statute of repose requiring that FCRA claims be brought within five years of the date of the FCRA violation. 

Both XXXX and Transunion have both blatantly violated FCRA 15 U.S.C. 623, 15 U.S.C. 609a as well as 15 U.S.C. 1681p.

I will be escalating this matter if need be due to the improper reporting and negligence of both reporting agencies.
Product: Mortgage

Originally the issue started with XXXX XXXX  after the XXXX forbearance, XX/XX/XXXX. I was expecting to receive a loan modification after sending in the required paperwork to start the payments. I received paperwork from XXXX with a return XXXX envelope to send back. I took these papers to my local insurance agent to get them notarized. After receiving no response, I called and they stated that the paperwork was not as it had gotten wet upon delivery. The loan mod was sent out again, and again I filed it out with banking info, and got them notarized again ( not understanding why XXXX did not send a notary to my home as this would have never been an issue ) thinking payments would start. Once they did not, I called XXXX and was told the Loan mod would be restarted based on the confusion with the first paperwork and that would have been XXXX. Well I then received a statement advising my loan would be transferred to Mr. Cooper, XXXX. 
Once received I gave them calls about the loan mod and was even given a dedicated specialist, XXXX XXXX, who never returns calls. Repeatedly I was told that they were waiting on XXXX XXXX to submit their original loan modification but it was never transferred with my mortgage. 
Call, after, call, From XXXX until XXXX, from XXXX or XXXX, to XXXX XXXX ( whom even stated that she called XXXX  and seen that they mod should have been completed in XX/XX/XXXX ). Final straw, XXXX was my last POC with Mr. Cooper. I called XXXX and was told that apparently since I failed the first payment, they automatically denied the modification and then the loan was transferred. This rep at XXXX even stated that all notices that the mod was not approved would have been included in my file but according to everyone at Mr. Cooper ( XXXX ), they were waiting on paperwork from XXXX and stated that XXXX had 90 days to complete things on their side. 
So I have consistently been asking about the payments, told not to pay until this is complete and now they are stating that since it has been so long ( WOW ) that Mr. Cooper possibly would not be able to honor the original mod terms and would have to create new mod with a JR LIEN and now I am confused and have no idea where to go. 
XXXX at Mr. Cooper gave me her direct contact as she stated she would have to go ahead and start a new mod. This was as of XX/XX/XXXX. Please help. I need to start making payments but no longer trust who I am paying and am now facing issues of speaking to rep after rep that has no idea and the train keeps de-railing. Please help me so I can get on track!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX  Subject : Request for XXXX, Chain of Assignment, and Insurance Claim Information To Whom It May Concern, I am writing to formally request documentation regarding a charged-off account that I do not recognize. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and relevant state consumer protection laws, I demand full disclosure and resolution of this matter. Additionally, I request the following : XXXX Cancellation of Debt Form : If this debt has been canceled or written off, you are required under IRS regulations to furnish me with a XXXX form. Failure to provide this document may be a violation of federal law. Please send me a copy of the XXXX immediately. 

Chain of Assignment : I demand a complete chain of title for this alleged debt, including but not limited to all assignments, transfers, or sales from the original creditor to the present entity attempting to collect. 

Insurance Claim Documentation : If an insurance claim was filed concerning this debt, I require a copy of the claim, payment details, and any related documentation to verify whether this debt has been satisfied by an insurance provider. 

Financial Hardship Consideration : I am experiencing significant financial hardship, which further challenges the legitimacy and collectability of this alleged debt. Under consumer protection laws, I request a review of this matter in light of my financial condition. 

Identity Theft Claim : I suspect this account may be a result of identity theft. Under the FCRA and Identity Theft Laws, I request all records associated with this account, including applications, account statements, and transaction records. If this debt is fraudulent, it must be removed from my credit reports immediately. 

Data Breach & Consumer Rights Violation : I have been made aware of a data breach involving Flagship Credit and the credit bureaus. Given this security compromise, I question the validity of any debt associated with my identity. Please provide documentation proving that this alleged debt is legitimately mine and was not affected by the breach. 

Failure to provide the requested documents within 30 days may result in a formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), the IRS, and my state attorney generals office. Additionally, I reserve my rights under the law to seek legal recourse should this matter not be resolved satisfactorily. 

Please send all requested documents to the address listed above. I expect a response in writing within the legally mandated timeframe. 

Sincerely, XXXX XXXX
Product: Debt collection

A company I never did business with marked me as 30 days late
Product: Money transfer, virtual currency, or money service

I XXXX XXXX XXXX  business in the US for the past 5 years and my job is to dispatch trucks all over the country to pick up and deliver loads. 
That has been a lot of scams but I've been able to follow processes to avoid them but this time around my company was involved in one. The background story is that I get payments advance from my factoring company called XXXX XXXX and they have system where they will validate loads before paying.This happened on the XX/XX/year> Following this claim this was multiple loads taken by the same client who provided for which they seemed legitimate until after 48 hours of paying me that the factoring company finally received information from the actual shipper that's the loads were in fact fraudulent and unidentifiable loads in their system. A few hours after doing an ACH transfer from my business account to the clients business account who was involved in the scam XXXX XXXX XXXX - XXXX XXXX XXXX I contacted my bank NAVY FEDERAL and notified them that I would need to cancel the transaction but I was dismissed and they didn't give a solution but rather just told me that it was out of their control- The money had not left my account when i reported this it was still pending!. At the time that I reached out to them the money had not left my account I couldn't cancel it on my end but I had a feeling that they could do it on their side. As it's a lot of money on the line, {$5000.00} XXXX reached out to the recipients Bank XXXX XXXX XXXX ( Got an agent who was very rude and said we protect our customers and if i do not have the recipient calling he can not do anything ) of the fraudulent accounts to notify them that they should contact my bank to stop the transaction from falling through. Again I got dismissed and they told me that there's nothing they could do even though I provided all the details which matched with their system. TodayXXXX I went to the bank of the recipient to have them flag the transaction because I need to retrieve the money back to be able to pay my factoring company back as this is money they paid out thinking the loads were legitimate. I'm reaching out to CFPB to find a solution to help me because the recipients is not responding to any of my calls to return the money and none of this Banks seem to provide help on an agreeable a solution. I use Navy Federal Bank and the recipients bank is XXXX XXXX. If there's any way you can assist I would love for this business to be stopped as there's a lot of fraudulent activities going on and if this can be flagged by someone with authority I think the world will be a better place
Product: Credit card

I saw a charge of {$3800.00} on a card listed as XXXX in my credit check run by My XXXX card. I called Transworld System Inc and found out it was a charge in my name to XXXX XXXX. I dont have any accts with XXXX XXXX now or in the past. They gave me the address connected with this charge. XXXX XXXX XXXX, XXXX, Tn. 
They have now started a dispute on this charge. I reported this to XXXX and they are reporting this as a fraud dispute and will notify the other credit services. They also advised me to report this to XXXX. 
Let me know if there is anything else I should do..
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, NY, XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$26000.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$2700.00} XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX XXXX XXXX XXXX, XXXX
Product: Credit card or prepaid card

The company closed my account without any notice for no reason. I have been a customer of the company for 19 years with perfect payment history.
Product: Credit reporting or other personal consumer reports

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see XXXXrifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Product: Checking or savings account

I I have a {$2100.00} check and it Chase account that they cook for me to check said they were 16 days in the account still open but it's locked and then won't give me my money I can't open no bank accounts because I have a general delivery address there discriminated against me cuz I have no residential address
Product: Credit reporting or other personal consumer reports

I would like to dispute these inaccurate accounts on my credit report. 

Equifax : XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX  Account Number : XXXX {$210.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX Account Number : XXXX {$320.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$890.00} XX/XX/XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX {$970.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$800.00} XX/XX/XXXX XXXX XXXXXXXX Account Number : XXXX {$1500.00} XX/XX/XXXX XXXX XXXXXXXX Account Number : XXXX {$10.00} XX/XX/XXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX : XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX  Account Number : XXXX {$210.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX  XXXX Account Number : XXXX {$1500.00} XX/XX/XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX  XXXX Account Number : XXXX {$10.00} XX/XX/XXXX XXXX Account Number : XXXX {$320.00} XX/XX/XXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$890.00} XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX {$970.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$800.00} XX/XX/XXXX XXXX : XXXX Date of inquiry : XX/XX/XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXX XXXX Account Number : XXXX {$210.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$10.00} XX/XX/XXXX XXXX  XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXXXXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX Account Number : XXXX {$4.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX {$620.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$800.00} XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX  ) Account Number : XXXX {$970.00} XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) Account Number : XXXX {$890.00} XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

There is a credit acceptance voluntary repossession remark on my Experian report that is inaccurate.I spoke to the lender ( credit acceptance and they stated that I have no voluntary repossession the account was paid off. XXXX and XXXX already removed this remark Experian still hasnt.I am asking for this remark to please be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion are reporting incorrectly a collection/charge-off in the amount of {$16000.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The vehicle that was purchased had broken down and was deemed a total loss. I had GAP insurance and the total cost of the vehicle was covered by this insurance. There is no outstanding balance due and consequently nothing to collect or charge-off. This false reporting of a collection/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 have this line item removed from my credit report however, I have not been successful.
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 rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 an 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 reporting, credit repair services, or other personal consumer reports

To whom this may concern, This is the SIXTH and FINAL attempt of my request to achieve COMPLIANT reporting of my consumer report with Transunion. I recently received a copy of my credit report and I noticed there are STILL some accounts on my consumer report that should not be on there. Transunion is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do NOT validate this debt. Therefore, the following accounts must be deleted from my report immediately : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681 and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me e

xplain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. This makes your social s
ecurity card, drivers license/ID, and license plate credit cards that are/wer

e used for the extension of credit. So, with that being said, with great power comes great responsibilities. It's really up to you how you want to use this information. I recently received a copy of my credit report and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was no
t notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately : The reporting of these account ( s ) is/are violations of 15 USC 1681 , and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. This makes your social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. Please be advised that I am prepared to litigate this matter if you do not comply with this demand of compliant reporting of my consumer files.