23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I issued a cashier 's check from my online checking account at Capital One in order to make a payment to a title loan company. This check was sent through overnight mail from Capital One to XXXX, Idaho. The title loan company deposited this check into their XXXX XXXX account but Capital One issued a stop payment. When I was notified of this by the title loan company, I called Capital One and they confirmed they stopped payment due to what they claim was a " red flag '' by their fraud department. They told me to issue a new cashier 's check and refunded the total amount of my original payment so I could do this. I did issue a new cashier 's check. However, Capital One then proceeded to take that money out of my account, after first refunding it. This caused me to have double the amount of the original cashier 's check ( plus {$20.00} in overnight fees ) outstanding. And I have no access to the original amount anymore due to the bank withholding the monies until they " see the check. '' I emailed them the XXXX XXXX PDF of the check and the stop payment notification to the title loan company. They still wo n't give me back my money, even though they stopped payment, they issued the original check, and they have all this in their own records. I need my money back as soon as possible. They claim they need me to fill out an affidavit, which I refuse to do as this implied " lost, stolen '' checks. This is not the case. It 's an issue of Capital One not allowing me to write checks against my own checking account balance.
Product: Debt collection

I am a consumer, and I feel my federally protected rights have been violated. I sent a " Cease and Desist '' letter via Certified Mail on XX/XX/21 telling Chase to no longer contact me regarding the debt on my account. I received a letter from them dated XX/XX/21 which stated that they would no longer contact me. In spite of that letter from Chase, they contacted me on 2 separate occasionsXX/XX/21 and XX/XX/21. I felt extremely stressed out after receiving those 2 separate notices. I thought they would no longer contact me, but they did.
Product: Debt collection

I was called and told that I owed money and that I had to pay a settlement today. I said I needed documentation because I honestly didn't know if it was a scam or not. The lady said I was PLAYING GAMES with her and was very aggressive and NOT HELPFUL on the phone. I just needed to verify that it was a true debt. She said the debt dated back to XX/XX/2016 and that I tried to claim bankruptcy on it and mentioned a XXXX XXXX account and none of that sounded familiar so I said that I needed something in mail. I felt attacked as she was not helpful in the slightest and kept talking over me so I hung up. She kept calling on different numbers but I did not answer. This is NOT the way to try to handle a debt. I'm willing to pay off debts of course but this was absurd and abusive.
Product: Credit reporting or other personal consumer reports

RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged 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 PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX  IN PERSONS. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX XXXX REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Credit reporting or other personal consumer reports

Seeing inaccurate accounts on my credit report this morning has left me completely confused and scared. Ive always trusted my regular checks to ensure everything is right, but now I dont know whats going on. I refreshed my browser again and again, hoping it would fix itself, but nothing changed. Im desperateplease look closely at the documents I provided so I can finally stop worrying.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX  # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX  # XXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

company reaged account and refuses to ive any informaion on account. original credit XXXX has already been removed from the 7 year reporting guidelines
Product: Credit reporting, credit repair services, or other personal consumer reports

Between XX/XX/XXXX and XX/XX/2020. AFNI, INC reported a new credit account to XXXX. The original debtor was XXXX XXXX in the amount of {$500.00}. This was an account that I believe someone else had in my name that was first reported over six years ago. It has now been illegally re-aged and is showing on my credit report as a brand new delinquency. As a result, my credit score has dropped by 19 points. I disputed the action with XXXX, but they often take many months to respond, if at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account from GM Financial had been reporting in a charge off status and shows 57 reports on XXXX  before updated as settled with XXXX balance on XXXX  and XXXX. This account had been charged off and allegedly had a deficiency balance however, GM Financial never sent and was not received the legally required notices for the state of Missouri to be able to claim such a balance and is currently in a class action lawsuit ( AmeriCredit Financial Services , Inc. v. Bell CASE NO : 15SL-AC24506-01 ) due to this occurring to many people in Missouri. Specifically no pre-sale or post-sale notices were never received and nullifies and claim to a balance and the reporting is therefore incorrect.
Product: Credit reporting or other personal consumer reports

On or about XX/XX/2024 my daughter and I called financial institution to find out why it was a charge off on my report. We were transferred to the fraud department and were told it was indeed fraud and they would send a letter to me explaining I was not liable and also they were to have it removed from my report. XXXX week later no letter. After numerous phone calls to same person as before i received a call from him on XX/XX/2024 saying he would resend it out and to this day still have not received a letter and it is still appearing on my report.
Product: Checking or savings account

On XX/XX/XXXX at XXXX XXXX I called for the second time to ask PNC to close my checking account.

I then went into the branch on XX/XX/XXXX and deposited XXXX dollars to settle a pre existing negative balance. I was told they were closing my account that day. They did not and I was then charged for a subscription service. and an overdraft fee. It has been over a week of fighting with pnc to close my account.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns with Zelles handling of disputes in light of the recent cfpb lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies my financial institution and Zelle fail to investigate my claims in adequately they informed me that these claims could not be looked into or reversed and my lost funds were untraceable and reversible
Product: Credit reporting, credit repair services, or other personal consumer reports

Synchrony bank is reporting late payments on an open account. 

Pursuant to 15 USC 1666b A creditor may not treat a payment on an account under and 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 titled is mailed or delivered to the consumer not later than 21 days before the payment due date.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint with regards to erroneous accounts I found on my Credit Report. The XXXX, XXXX, and TransUnion Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are erroneously reporting on my Credit Reports : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$520.00} XXXX  XXXX XXXX Balance Owed : {$2500.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00XXXX XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/2016
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several accounts fraudulently furnished to my credit report. I have contacted the CRA 's as well as creditors responsible for the fraudulent reporting. I have not been provided legal binding documents showing the validity of this fraudulent reporting from the CRA 's. The information is not consistently reported and one bureau is in compliance, where the others are not. I have informed each CRA of my final attempt at peaceful civil mediation, without prejudice with All Natural Inalienable Rights Reserved. I am requesting the removal of all of the information submitted to each CRA, XXXX, Transunion and XXXX are in receipt of my demand and complaint as of XX/XX/2023.
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 TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX, a secured installment loan opened at XXXX XXXX XXXX under the account number XXXX, a secured installment loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$930.00} that appears related to the aforementioned account opened at XXXX XXXX XXXX. These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts and collections. The aforementioned accounts and collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and collections 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 and collections are the result of identity theft and fraud.
Product: Credit card or prepaid card

Purchased two ( 2 ) XXXX XXXX XXXX from XXXX. Nearly 6 months later the items arrived and they are counterfeit. I contacted the XXXX XXXX rep and he confirmed the items as counterfeit. I contacted US Bank regarding the transaction on XX/XX/2022 and was issued a provisional credit of {$500.00}. I submitted documentation requested by US Bank. On XX/XX/2022 I noticed the provisional credit had been revoked. I called US Bank and was told the documentation I submitted was received but incorrectly formatted. I then reformatted the information and submitted it again via fax. Per the suggestion of the US Bank associate, I asked for a return call from the case processor. I did so for the express purpose that any additional information or requested could be fulfilled. I was told by US Bank to answer all calls even suspected spam calls because it could be from the claim processor. I followed these instructions to a T. Each week, usually on Tuesday I call US Bank and speak with another associate ; XXXX, XXXX, XXXX, XXXX and XXXX. All very nice people but despite what their notes may say I have never received a call from the case processor. Today, I called and was told the case was closed yesterday due to time. Any time limit was never disclosed. US Bank does not allow me to contact the case processor. US Bank has never initiated a single call or request for further information. I have explained that the US Customs and Boarder Patrol instructed me to not attempt to return the item as it is a felony to ship or return ship counterfeit merchandise. What US Bank is doing is re-victimizing me when they should be an advocate for me as a consumer. US Bank could have asked me at anytime for more documentation but instead they have stonewalled me again and again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to display an account that should not be on my credit report. I contacted CFPB who in turn received a statement back from the company stating that they sent a letter to the credit bureau to remove this item XX/XX/22. The amount is over {$4400.00} and I sent police reports and also this letter attached. This has caused me due hardship with getting credit as it shows bad and its not my account.
Product: Checking or savings account

Opened account Saturday XXXX. Sent initial funding same night. Funds deposited sometime between Monday or Tuesday. Account was promptly locked Tuesday morning for fraud not even XXXX hours after opening the account! I didnt even have an account number yet! I called and had no information so they couldnt verify me, after a few tries I was told theres nothing they can do and I would be contacted at some point. So now my money is locked in an account XXXX cant touch.
Product: Credit reporting, credit repair services, or other personal consumer reports

Involving docket # XXXX reported with all 3 bureaus : Under the new law effective XXXX XXXX, 2017 any public record data must include name and address as well as SSN and/or DOB in order for it to appear on your credit file. The credit bureaus have not updated or removed the info, even after i verified the courts do not report information to credit bureaus. Per the new law the bankruptcy listed does not include this information and should be deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The recent Equifax breach ( summer XXXX, reported XXXX XXXX XXXX means that my personal information ( along with that of XXXX XXXX other XXXX XXXX is now in the open. 

I never authorized Equifax to have this information in the first place ; by not properly safeguarding it, I am now at much higher risk of identity theft and fraud. I will have to take additional steps for many years to safeguard my finances, costing me time and money.
Product: Credit reporting or other personal consumer reports

Account Name : XXXX XXXX XXXX Amount : {$100.00} Action : Dispute filed with XXXX, Equifax and XXXX. 

Initial Dispute Date : XX/XX/XXXX, 2024- XXXX ; XX/XX/XXXX, 2024- XXXX ; XX/XX/XXXX, 2024-Equifax Dispute Resolution : XX/XX/2024 : XXXX verified the discrepancy and inaccuracy ; deleted the account. 
XX/XX/2024 : Equifax verified the account as being reported correctly. 
XX/XX/2024 : XXXX verified the account as being reported corretly. 

Action : Secondary Dispute filed with Equifax and XXXX : XX/XX/XXXX, 2024- Equifax ; dispute filed. 
XX/XX/2024 : Equifax Dispute Resolution : Equifax verified the account as being reported correctly. 
XX/XX/2024 : Equifax ; dispute filed. 
XX/XX/2024 : Equifax Dispute Resolution : Equifax verified the account as being reported correctly. 

XX/XX/2024 : Dispute filed with XXXX XX/XX/2024 : Results unknown ; PAST 30 DAYS.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit 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 correction action to remove or amend the disputed accounts, as experience in action violates federal law and my right as a consumer.
Product: Money transfer, virtual currency, or money service

Hi, our company were scammed on XXXX, someone pretended to be a customer and tricked us to XXXX him {$1900.00} as a partial refund ; and XXXX {$1100.00} to another account of his as the rest of the refund. As the Transfer were still pending ( it says undergoing a security review ), I talked to the police and realize this is a XXXX fraud. The police advised me to call the bank immediately while its still pending. I did and filed a claim. However, both XXXX transactions still went through. And the scammer received the money and vanished. Today on XX/XX/21, I received a letter from Bank of America saying they wont approve my claim. This is unfair. This crime could have been prevented from happening.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is listed as follows : Creditor Name : XXXX XXXX XXXX XXXX Account XXXX : XXXX and XXXX Date of Charge-Off : XX/XX/year> It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 
The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score.

Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper.

I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections. 
Thank you for your prompt attention to this matter
Product: Debt collection

The XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) sent me for a XXXX at XXXX XXXX XXXX  and XXXX have dispute of fee. I am not involved in dispute and have been harassed.
Product: Mortgage

We have been contacting phh mortgage for a assistance plan since XXXX or XXXX Everytime we send them what they ask for the assistance is denied. We 've received a letter with a supervisor name I called multiple times and I 've left maNY messages and no return call. Last week I called the number and now the msg says XXXX is no longer employed with phh. So I took down another extension for XXXX I believe. It 's going on 6 days and no call. We 're frustrated that they refuse to complete the assistance or give us a loan modification. Can someone pls help up? We want to keep our home. Just need a lower payment til XXXX gets XXXX. We 've given all the info to phh. We 've also had several loan managers and they dont return calls like the supervisors and reps. 

XXXX XXXX & XXXX XXXX