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

Hello, I am writing to dispute the inaccurate information on my credit report that has been reported by XXXX. According to all three credit bureaus, I was reported as 30 days late on XX/XX/XXXX, even though I did not miss any payment on this account. Furthermore, XXXX and Equifax reported a High Credit of {$1200.00}, while XXXX reported {$1200.00}. Additionally, XXXX and Equifax reported the Last Reported Date as XX/XX/2022, while XXXX reported XX/XX/2022. Lastly, XXXX and Equifax reported the Date Last Active as XX/XX/2022, while XXXX reported XX/XX/2022. These inaccuracies have significantly impacted my life and financial well-being. 

I am requesting that you enforce the legal requirements of the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ) to ensure that the information reported by XXXX is accurate and complete. Specifically, I believe that XXXX has violated the following provisions of the FCRA and FACTA : Section 607 ( b ) of the FCRA, which requires data furnishers to provide accurate and complete information to credit reporting agencies, and to correct any errors upon notice from a credit reporting agency or a consumer.

Section 611 ( a ) of the FCRA, which requires credit reporting agencies to investigate and correct any inaccurate information in a consumer 's credit report, and to notify the consumer of the results of the investigation within a reasonable time period.

Section 312 of the FACTA, which amends the FCRA to require data furnishers to establish and maintain reasonable procedures to ensure the accuracy and completeness of the information they provide to credit reporting agencies, and to correct any inaccuracies upon notice from a credit reporting agency or a consumer.

Section 312 ( c ) of the FACTA, which provides immunity from liability for data furnishers that comply with reasonable procedures for accuracy and completeness of information.

Section 312 ( d ) of the FACTA, which authorizes the FTC to promulgate guidelines and regulations regarding the accuracy and completeness of credit information. 

I want to emphasize how these inaccuracies have affected my life. As a single mother, I am constantly struggling to make ends meet and provide for my family. Having inaccurate information on my credit report has made it extremely difficult for me to obtain loans and credit when I need it most. I have been denied credit and loans due to these inaccuracies, which has caused me to miss out on opportunities and financial stability. 

In light of the violations of the FCRA and XXXX by XXXX, I respectfully request that the unverified account information be removed from my credit report immediately. I also request that XXXX takes corrective action to ensure that my credit report accurately reflects my payment history. 

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

Sincerely, XXXX XXXX
Product: Checking or savings account

I opened a checking account ( Account number : XXXX ) at U.S. Bank using a promotion code that was offered online. I later remembered, I got from a letter that was sent to my address ( to the household of my fianc and I ) and I called the XXXX XXXX XXXX XXXX U.S. Bank to ask whether I am eligible for the promotion. They confirmed I am ( the household at that address will be eligible for one such promotion ) and had the promotion code changed to the one from the letter, which was slightly more favorable in terms of the offered bonus amount. I am attaching the email from my local XXXX XXXX XXXX office that confirms that they made the change in accordance with the letter which they reviewed with me. 

After meeting all the requirements ( 3 direct deposits totalling more than {$10000.00} ), I had waited the stated period. I called several times ( both my local branch and the general customer service hotline ) to check that I satisfied all the requirements. I was told that they were able to confirm that I satisfied all the requirements and that it was only a matter of time. Now, after almost 1 year between the account opening, and not receiving the promised bonus, I called again. A research item was opened on my case and I got an answer that I was going to be denied the bonus because my address that I used for opening the account supposedly did not match the address of the letter, which is not true. The address matches exactly. I still have the physical letter in hand and it is outrageous that I am now being given this answer after having diligently checked with the U.S. Branch and having called several times. Even if the offer in the letter was going to be denied, just leaving me with nothing after all the account opening effort plus the direct deposit requirements, and not offering me any plausible alternative ( slightly less ) bonus that was offered to the general public at all times would have been an easy thing to do for the research team that looked into my case.
Product: Credit card

JCP Payment Screen/Account Summary ( first screen once logged into account ) is deceptive and has cause me financial harm, thereby being abusive by CFPB terms. 

There are XXXX choices to choose from to make a payment, non of which state that your account may be delinquent. Per the representatives that I spoke to today, XXXX/XXXX/2017, ( lastly was XXXX in collections ) my account was delinquent even though my payment history would reflect otherwise. My monthly amount due went from {$68.00} to {$190.00} due to being " delinquent '' - something I only found out by calling and speaking to both representatives. I had been charged XXXX late fees {$37.00}, {$37.00}, {$27.00}. I was told that I missed my XXXX payment, however in XXXX I made XXXX payments to correct the missed payment as I did not know that I had missed the payment. 
I was never advised that by doing so, I would still not be bringing my account current. I have been using my card without issue once payments have been made. Per the account payment screen, if I click option XXXX, I make my minimum amount due payment- which I do monthly. 

I believe that the " delinquent amounts '' should be shown on any XXXX of the XXXX lines of options to pay each month. 

While XXXX did waive XXXX of my late fees, I am still very dissatisfied with the fact that I had to make a {$59.00} payment over the phone to bring my account " current '' and no where on my account page did this amount show past due. 

I have been a loyal customer of JCP for years and I feel taken advantage of and sadly believe that the only reason I had XXXX late fees waived was because I understand UDAAP and was able to explain the Deceptive and Abusive features of their online payment system. For others without this knowledge, I fear they are being taken advantage of. 

I am very unhappy and will no longer be shopping at JCP. I will work monthly to pay off my account. I was told by both representatives that they would place a " complaint '' in their system. 
I too am placing a complaint with the CFPB to ensure that this abuse does not continue and harm others.
Product: Checking or savings account

I made a purchase with XXXX on XX/XX/2019 for a XXXX XXXX XXXX XXXX for {$270.00}. I received a broken tv and returned it to XXXX. I requested a refund, however, my Bank of America checking account that was used to make the purchased was closed on XX/XX/2019. I informed XXXX, I was told they would get back to me. XXXX sent me an email saying they issued the refund to the closed account on XX/XX/2019. I contacted XXXX and told them I cant get a refund in the account because its closed. I was told to take it up with the bank. Since then I have made countless calls to XXXX and the Bank trying to get my money back. I even went to the Bank physical location about it and I was told that the money is not showing as returned and it would have been automatically rejected and sent back to XXXX because the refund was sent over a week after the account was closed. I went to a XXXX branch and the manager told me its an online order so I have to call corporate. I called XXXX and spoke with supervisors and managers who keep telling me the money was sent to the bank so I have to take it up with the bank. I dont understand how it would be possible for XXXX to send a refund to an account that no longer existed, that makes no sense whatsoever. The bank has provided me with proof showing the account was closed before XXXX did the refund, as such it means the money would still be with XXXX, but XXXX is adamant they didnt get back the money from the bank. I have been trying since XX/XX/XXXX to get my refund and have been getting a run around with both the bank and XXXX. I have even been hung up on. I just want to get my refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

In short, CAPITAL ONE disclosed non public private consumer information without consent of the consumer of whom it relates or lawful authority, as no disclosures providing an opportunity to Opt Out from the consumers information being shared with affiliated or nonaffiliated third parties was ever provided.

An Affidavit stating all applicable laws and fact is being uploaded and attached to this complaint and a hard copy has already been mailed via USPS certified return number XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint against them. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary financial AND mental distress. For starters, they 're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I 've asked for proof of claim and in which they have not been able to provide, per the FCRA. Despite my efforts to resolve this unfortunate nightmare for several months now, has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical business. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Product: Debt collection

On XXXX/XXXX/16 I sent a letter to Bonneville Collections requesting validation for an entry on my credit report. I 've attached several supporting documents as well as the letter I sent them. According to the USPS tracking number, they signed for my letter on XXXX/XXXX/16. I then waited 4 weeks from that date hoping to hear from them, which I did not. After the 4 weeks I filed a dispute with XXXX and XXXX, fully outlining everything that has taken place and including copies documents that I sent Bonneville. The XXXX bureaus started a dispute on my behalf. During the time my XXXX credit reports of both bureaus described above where updated by Bonneville. They never validated the debt, and during this time that they are supposed to be doing such, they made changes to my reports. According to the FDCPA act they are to suspend collection activities until validation as been supplied. Furthermore, upon looking into this company, they are NOT licensed or bonded in my state to be operating as a collection agency. You can view the XXXX code in my letter. So not only are they violating FDCPA laws, but they are also violating state law.
Product: Checking or savings account

Dear CFPB, I am writing to file a complaint regarding an unauthorized charge that was made to my Charles Schwab account by XXXX XXXX XXXX. I had been a member of the gym, but due to an injury where I XXXX XXXX XXXX XXXX XXXX in XXXX, I was unable to attend XXXX Jiu-Jitsu classes for two months. I did not make any payments for XXXX or XXXX, as payments are due on the XXXX of each month, and I had no intention of making any additional payments during my recovery period. 

However, on XX/XX/XXXX, XXXX XXXX XXXX backdated both the XXXX and XXXX payments and withdrew a total of {$190.00} from my Schwab account without my prior authorization. I immediately filed a dispute with Charles Schwab, but I have not received a provisional credit or any updates on the situation. 

I attempted to resolve this issue with Schwab in late XXXX and early XXXX. During these calls, a representative informed me that I would need to lock my card because they were unable to stop the transactions from going through. Despite following their advice, the unauthorized charge still went through on XX/XX/XXXX, and I have yet to receive any resolution or provisional credit. 

I am requesting your assistance in ensuring that this unauthorized charge is reversed and that I receive the {$190.00} back into my account. I believe Schwab has not appropriately handled the dispute, and I feel that I am being unfairly charged for services I did not use. 

Thank you for your attention to this matter. I look forward to your prompt assistance in resolving this issue. 

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

Please investigate thoroughly the accounts that I disputed. I dispute XXXX XXXX, number XXXX. This account was closed on XX/XX/XXXX however it's showing delinquent activity after the closed date. Your procedures have allowed this since XX/XX/XXXX and this has been highly damaging to me. I want this account deleted.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc . ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulations E. these actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Credit card or prepaid card

I booked a flight on XX/XX/XXXX with Capital one travel. I am a new Capital one XXXX  card holder. While booking a flight all it told me was i can cancel the ticket for full credits. However it didnt tell me that there is XXXX hours window for it. When i cancelled it few days later they gave me credits worth only XXXX $ instead of 2000 $ which i paid. During booking the flight on capital one travel site, it was only mentioned ill get full credit while i was booking the flight. XXXX was not mentioned prior to booking. This feels like mis-leading the customer and taking advantage of them not reading a fine print hidden somewhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a vehicle secured by a loan through Santander. The vehicle was subsequently repossessed and resold. 

In 2020, I received a postcard stating that I was apart of a class action lawsuit with Santander and that Santander is REQUIRED to REMOVE ALL information from my credit reports at all three credit bureaus. 

The information is still reporting as a repossession. 

I called Santander and they stated that they sent the appropriate paperwork and there was nothing else that they can do.
Product: Debt collection

I was a XXXX XXXX patient in XXXX when I suffered a XXXX. I was admitted to the hospital and kept 9 days. Ever since I have been discharged, I have had 4 providers billing me directly. My insurance company sent them warning letters for them not to bill me directly, I also emailed them copies of the letter which stated that they are breaking the law by doing that. They also are submitting the bill incorrectly, and one provider just refuses to submit bill to my insurance company despite the supervisor of my insurance company calling them directly. They sent the bill to collections, first one agency and then another. I did not receive any notification other than one call. I did not get a chance to dispute the bill. They also could not provide any info on who they were collecting the debt for. I told them I will not pay until they can provide me with proof on who they are collecting the debt for. A few weeks later, I was sent an email from XXXX that there was a collections notice on my report. I contacted the first agency that was listed on the report ( XXXX.ph : XXXX ), and spoke to XXXX who denied any knowledge of sending my information to the other collection agency, he only stated that they could not collect any debt in XXXX. I then called up the other collection agency on the report ( Allied Collections, XXXX ) and spoke to XXXX, I called up he told me that I had to pay the bill or it will ruin my credit history. Under severe duress, even though my insurance company told me not to pay the bill, I made a payment of {$350.00} on XXXX which included a {$16.00} payment processing fee. I work as a XXXX at a XXXX, and if my credit history is bad, they might not renew my contract. The collection agency promised to send me a receipt within 72 hours, but as of now, they have not sent the receipt even though I have requested that multiple times. The provider who was billing me and not my insurance company is called XXXX phone : XXXX. Because this involves companies in multiple States, I simply do not know who to turn to.
Product: Credit card or prepaid card

On XX/XX/2022 I received a credit alert that Kikoff Lending Llc opened an account under my name. I've been dealing with identity theft since XX/XX/2022. I contacted two different numbers that were given to me numerous times. One number no one answers and then goes to a voicemail not set up and the other number tells you to go on line to their support. The card opened XX/XX/2022. It had a recent balance of {$22.00} as of XX/XX/2022. 
Credit limit or original amount {$500.00}. High balance {$24.00}, monthly payment {$2.00}, recent payment amount {$2.00}. XX/XX/XXXX I sent them an email stating my complaint to them about a false account. XX/XX/2022 I got a response from XXXX, from Kikoff, wanting personal information to try and resolve this, like full legal name, the lat 4 of my SSN, and my current address. XXXX XXXX I replied I did not trust giving anyone my personal information but would give them the information I received on the alert because I had not received any other information about this except through XXXX. XX/XX/2022 I received an email from XXXX from Kikofff, telling me they couldn't close the account unless I fill out a formal affidavit of identity theft through a secure link. Again, this form wanted personal information so I did not send this form into them. XX/XX/2022 I emailed them again I would like someone to help me close this false account. I asked someone to please call me XXXX, from Kikoff again sent an email requesting me to fill out a formal affidavit of identity theft on their " secure link ''. I did not fill out the form because I didn't trust it. XX/XX/XXXX, I sent another email asking for this false account to be closed. On XX/XX/2022, XXXX XXXX again asked me to file a formal affidavit. On XX/XX/2022 I sent them a police report on their " secure link ''. On XX/XX/2022 I also filed a complaint to the XXXX XXXX XXXX, which also showed Kikoff is not an accredited company. On XX/XX/2022 I received an email telling me " based on the information included in your fraud claim we have determined there is clear and sufficient evidence to remove this tradeline from your account history. ''
Product: Bank account or service

I am no longer a Wells Fargo customer. I received my social security back payment statement saying I was ineligible for back benefits for XX/XX/XXXX/ XX/XX/XXXX/ XX/XX/XXXX/ XX/XX/XXXX. When I examined the amounts I realized that accounts were opened that I never had and large amounts of money were in those accounts. I have been unable to work since XX/XX/XXXX. This is causing a major problem with my benefits.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX  ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXXXXXX ACCOUNT NUMBER : XXXX