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

On XX/XX/2023. I drove to a Bank of America ATM after cashing a check from XXXX XXXX so I wouldn't get a 10 day hold. I deposited XXXX hard earn cash in the ATM, it only recognized {$2300.00}. I touch the button to continue to make more deposits and deposited {$400.00} it had returned to me. After that deposit the machine instantly went into an error and gave me a receipt to call electronic claims. I called and was told there would be an investigation up to 45 days but my account would be credited within 48 hrs. Well 48 hrs has passed now they are saying the amount is to much to credit me back. Clearly everything is on video it should take so long for me to have access to cash.Never will I put that much cash into an ATM Bank of America always give me a hard time.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2022, medical and health related debts are no longer allowed to be included on consumer credit reports. I have an unverified outstanding debt with SyncCare/CareCredit on my report as a charge off of more than {$2500.00}, which is having a severe impact on my credit. I have requested both a demand for verification and a deletion of this information from my report, but have yet to hear anything back. I would like to see all medical related debt stricken from all three of my consumer credit reports.
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to delete some of the data on my credit report, but there are still some items that need to be deleted. The 3 Credit Bureaus must verify these items by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be deleted as soon as possible 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  Credit report agency reporting incorrect account and refusing to remove it from my credit report. They say this negative report will stay for 7 years. 
Account is not mine, I don't have to pay for it. XXXX  refusing to resolve it and start blocking my dispute request ( computer states that I can not longer to dispute ). 
XXXX  investigates 3 times and they saying account is correct they will not remove the charge. 

CFPB also investigated this company reporting incorrect account - complaint with your agency number XXXX. Please investigate XXXX  for reporting incorrect activity on my credit report. Please provide all documentation that XXXX  received from agency which they think is enough to state that account is mine. Thank you
Product: Mortgage

We apply for and received assistance from Louisiana XXXX XXXX XXXX. Or application has been showing the same status for 30 days waiting on information from Applicant lender which is Well Fargo. When we call Wells Fargo all we get is the transfer from one department to another then a disconnect Wells Fargo Account XXXX XXXX
Product: Credit card or prepaid card

I am SERIOUSLY being harassed by CapitalOne. I have had a credit card with them for years. I changed my phone number almost a year ago and tried going online to report this during the summer of XXXX. I have called CapitalOne to tell them of the change and they have locked out my account and classified my account under fraud. I have called them back, including tonight, XX/XX/XXXX, to request the pay off total to close the account altogether. Despite providing CapitalOne my account number, social security number, bank account information where my payments come from, they REFUSE to provide me with any information. I can't get my pay off total using their online services or from the idiots they employee over the phone. 

I have made ALL of my payments to CapitalOne and don't believe I have ever been late. I am a XXXX good customer and they should be thanking me for using them. I am XXXX years old and believe I am being harassed by CapitalOne with continuous hassles. I AM IN A PROTECTED CLASS AND NEED TO BE ASSISTED WITH CAPITAL ONE PLEASE!
Product: Credit reporting

XXXX BANK WAS PAIN IN FULL NEVER LATE CLOSED BY USER. I CALLED BOU THIS AD WAS TOLD IT WOULD BE UPDATED- IT NEVER WAS
Product: Debt collection

Dispute : XX/XX/2020 CFPB Capital One Incorrect account balance : {$250.00} I contracted the services of XXXX XXXX XXXX, XXXX a debt consolidation company to assist me with the consolidation of debts that were causing me great financial hardship due to a decline in my income due to a reduction of hours worked for health reason. The program I committed to enabled the payoff of debts to ( 7 ) creditors, one of which is Capital One with an original debt of {$250.00} I have just completed my accounting for tax purposes and found that I have paid {$200.00} to the creditor via the consolidation program and my balance now due is {$56.00}. 
I have continually made my payments on time to this company and paid more than the agreed monthly payment amount and I have never received an update statement requested each month outlining my balance although I have contacted the company over the last 6 months and have not been able to receive a response to any of my communication. 
On XX/XX/2020 I wrote to the creditor and offered my promissory note and payment arrangement which was sovereign certified because it had come to light that the consolidation company is no longer trading and is under investigation for Fraud and Deception by the FTC. 
It has also come to light that my payments made to the creditor via this company were never applied to my debt which now has negatively impacted the balance owed. 
My direct offer made to the creditor on XX/XX/2020 to pay off a remaining balance of {$250.00} in installments was declined by the creditor of which I am grateful as my financial accounts highlights that balance was incorrect and if accepted at that time I would be liable for paying far more than what is actually owed. I request that the amount owed be corrected to reflect the payment made of {$200.00} via the consolidation company and report the actual correct balance of {$56.00}. 
Please see attached signed Agreement page for debt consolidation program and the date of the agreement.
Product: Mortgage

Mr. Cooper, my mortgage servicer, failed to erred in paying my property taxes resulting in a lien being placed on my house in XX/XX/XXXX. I received a notice from the XXXX of XXXX XXXX that taxes had not been paid on my house and the XXXX placed a lien on my property. I alerted Mr. Cooper. They did not post the payment until XX/XX/XXXX. Mr. Cooper said the payment was received by the XXXX of XXXX XXXX on XX/XX/XXXX. I called the XXXX of XXXX XXXX on XX/XX/XXXX after receiving a second delinquent tax statement. The XXXX of XXXX XXXX Tax Office stated they have not yet received the payment. 

Mr. Cooper has caused a lien to be placed on my property for months, was delinquent by months in trying to remedy the problem, and has yet to remedy the problem. Mr. Cooper has exposed me to risk of losing the property through their error and their delay. They were unhelpful and appear unmotivated to fix the problem with any urgency. 

Mr. Cooper does not have the best interests of customers in mind and are reckless with the mortgagee 's property rights. They have failed in any fiduciary duties they may have.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX VA XXXX XX/XX/XXXX XXXX XXXX Balance : {$190.00} XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am pretty sure if i received any mail from Vance and Huffman. I would have acknowledged it by now. But I havent nor have I heard of them. I am giving them the opportunity to reach out to me. But they seem to be repeating the same thing multiple times, but has yet to provide me with a telephone number. To their office nor have they issued me out documents that I supposedly signed. My only problem here is the company is standing firm with everything they have stated so far. So why not provide me with a number to speak to me directly. I need details to when the account was actually opened. They keep insinuating that I have a XXXX XXXX  account so provide me with details
Product: Credit card

I had signed up for a 1.99 % rate sometime last year. Received my statement/bill/summary yesterday and noticed the dollar amount of interest had gone way up. Called CITI and was told by agent that I was informed on my XX/XX/XXXX statement page 3. No it was page 4. One line among pages of lines. Offer XXXX promotional APR ended XX/XX/23. Nothing other than that. No email or text or letter saying that your promotional rate was ending. 
They make it so inconspicuous that unless you read all pages line by line they hope you will not see it. The rate went from 1.99 % to 21.9 %. 
I paid off the balance.
Product: Money transfer, virtual currency, or money service

I sent them emails to fix my issue with being able to withdraw my money but they dont respond to any emails I sent my first email out on XX/XX/XXXX Thursday XXXX And then another follow up email XX/XX/XXXX, Tuesday XXXX XXXX  No responses at all. 

Ive been trying to withdraw my amount of around XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XX/XX/XXXXand XX/XX/XXXXhave reported a 30-day late payment/payment status on my credit report, which I am not late.This late payment reported on XX/XX/2021, which the account is not 30-days late at all. In addition, I have contacted the company, which is XXXX XXXX XXXX, on XX/XX/2021, on that Saturday. Once I contacted XXXX XXXX XXXX regarding the late payment, they told me that they did not report that 30-day late payment and their records show that I am not late 30-days. Also, they stated that their system does not show 30-days late and their system shows as pays as agreed. So, I am puzzled on how that late-payment got on my credit report.
Product: Credit card or prepaid card

My name is XXXX XXXX I am consumer, a natural person. On Monday XX/XX/2021 I contacted PayPal Credit Card Services and spoke with XXXX, I informed her my payment in the amount {$3900.00} was not applied to my account and I question why. She looked up me account and informed me she did not understand why that error occured. I spoke with her Supervisor XXXX and she informed me that XXXX forwarded my information to the dispute department. I am concerned as I take my finances very seriously. I remitted my money order by there directive and in accordance with the law as UCC 3-603/3-311 directs
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly 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 failed to investigate my claims adequately. They informed me that recovering loss funds was impossible and that tracking these funds was unfeasible. The CFPBs findings indicate that not only has Zelle neglected to protect consumers, but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

Williams & Fudge I, has performed a Hard Inquiry from my personal credit report on XX/XX/2019 without my knowledge or consent to this action. I'm not currently performing any business with this organization.
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. 

Account Name : XXXX/XXXX  Account Number:XXXX  Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX  Account NumberXXXX Account Name : XXXX/XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX are incorrectly reporting me as an Authorized User on the XXXX  XXXX  XXXX partial account number XXXX. ( Please see page 3 of the attached credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User to this account. I have contacted the ( 3 ) bureaus to fix this issue however, I have not been successful. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report.
Product: Credit card or prepaid card

On XX/XX/2022 I received an email from a credit reporting agency stating new activity is showing on my profile. 

Upon checking I see a notification stating Capitol One had closed my line of credit. 

I contacted Capitol One to see why this could be. 

The Capitol One representative shared that the account was closed due to excessive return payments. 

I have an idea what excessive return payments could be but considering I never set up any auto pay with Capitol one or linked any bank Im not sure how Capitol one could be pulling funds of mine from anywhere. 

The representative stated excessive return payments are payments that have not successfully gone through. Payments that were not successfully completed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I fell behind on payments on my Chase credit card. I contacted them and closed the account and made arrangements to pay off the balance. I paid off all but around {$1000.00} and I called to try and settle as I could not make the payment anymore. They told me no, I could n't settle. So I stopped payments. That was in XX/XX/XXXX. Ten years later, this is still on my credit report. The report says I was making payments through XX/XX/XXXX which is a complete lie. The last payment I made was in XX/XX/XXXX. It also says the last contact I had with them was in XX/XX/XXXX. Again, a lie. This should 've been removed from my credit report years ago. Furthermore, if I had been making payments for those 5 years between XX/XX/XXXX and XX/XX/XXXX, the balance would have been paid off! They are blatantly lying about my account history.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft CB/VICSCRT Account Number : XXXX This is not mine. 
3. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine
Product: Credit reporting or other personal consumer reports

These inquiries were unauthorized and Im a victim of identity theft. 
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 XXXXXX/XX/year>
Product: Credit card

I am requesting the full removal of unauthorized, disputed credit card charges to my company. These charges consist of overseas charges to XXXX and XXXX. 

On XX/XX/XXXX, my company attempted to make a business credit card purchase. This purchase was declined. The businesss representative stated that the reason for decline may be because they are located in XXXX and sometimes the bank may think the charge is fraudulent or the card may have international restrictions. I was tasked with processing this transaction. I called cc company to inquire how to facilitate this one purchase. The representative informed me that all of the fleet cards were blocked outside of the US but we would be able to unblock them for use. Nothing regarding fraudulent activity in XXXX or XXXX was mentioned at all. I have asked the CC Company for a recording of this conversation and was told they do not record any calls. The XXXX invoice was paid and everything was assumed to be well. 

On the XXXX of XX/XX/XXXX, an early credit notification email was received and this is when the fraudulent charges were discovered. Disputes were made for all the charges through the on-line dispute system. A stop payment was submitted to our financial institution so that the scheduled automated payment would not include these fraudulent charges. The total amount of false charges equaled {$9600.00}. The legitimate charges owed were paid by bank wire on XX/XX/XXXXXXXX  in the amount of {$2100.00}. 

I was informed the disputed charges could take 30-60 days to settle. I followed the Alert Notifications tab on the company website for information on the dispute. No alerts were received. Transaction Online Dispute Processing forms were emailed to various CC company emails several times. Demands for delinquent balance were received. 

On XX/XX/XXXX, I received an email that all the charges after XX/XX/XXXX were being denied due to the card being unblocked on XX/XX/XXXX. The CC company claims they sent an email to ( a XXXX  email address ) regarding a block on the card due to suspected fraud. This is an email address that I do not have and that XXXX states has been shut down due to inactivity. Any email sent to that address returns as undeliverable. We have been customers of CC Company for over 17 years and I have received 100s of emails all going to the correct email. I have a suspicious activity notice dated XX/XX/XXXXXXXX  that was sent to the correct email address. The CC company stated they were given the XXXX email address when the account was first set up in XXXX. I do not believe this to be the case. I have asked for this documentation. 

I emphatically disagree with CC Companys assertion that we are in any way responsible for these obviously fraudulent overseas charges. I also find fault in their belief that if a credit card is unblocked for international purchases, the card holder loses any recourse against future swindle. 

Thank you for your time and consideration. I await your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent this company a settlement letter and they agreed to the terms and condition by cashing the cashiers check. Now they will not remove the items off my report
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Requesting a Method of Validation Letter Dear Sir/Maam : I  recently received a response to a dispute ( see attached ) that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with XXXX ( Original Creditor : XXXX XXXX XXXX ) Acct # XXXX - This information reported by this agency doesnt match the data on the previous report and has this listed as a new debt as of XX/XX/2020 which is also illegal. 
XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX   Acct # XXXX XXXX Acct # XXXX I was saddened to learn that you somehow verified the disputed item, electing to leave it on my report. 
I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute.

As per Section FCRA 609 ( e ) ( 15 U.S.C. 1681g ( 1 ) ), I am entitled to see the source of all the information, which is the original contract that contains my signature and the cashed checks used for bill payment. 
I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with XXXX ( Original Creditor : XXXX XXXX XXXX ) Acct # XXXX ; XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX Acct # XXXX XXXX Acct # XXXX Please include all names and contact information of employees that you spoke to at XXXX ( Original Creditor : XXXX XXXX XXXX ) Acct # XXXX ; XXXX XXXX Acct # XXXX XXXX XXXX   Acct # XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX Acct # XXXX XXXX  Acct # XXXX as part of this investigation. 
All previous letters and documents that I sent to you previously are once again attached along with this correspondence in order to help you process this request. 
I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 
I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record. 
Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible. 
Very Respectfully,
Product: Debt collection

They have called my employer numerous times, even after I have asked them to stop calling me at work, at the phone number. Not only that, but they have told my employer who they are, and that they are debt collectors, and have given personal information out. This damage, can not be undone. They should have never called work, and when asked to stop calling they did n't stop. They are not allowed to give out personal information /or say it is regarding a debt.
Product: Checking or savings account

From XX/XX/2018 to XX/XX/2018 Chase Bank had charged me XXXX NSF transactions total of all transactions is XXXX. 
I had called Chase Bank center 3 or 4 times did not resolved anything Best regards XXXX XXXX XXXX