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

XX/XX/year>- Thursday is my normal payday and has been for almost 3 years. When I checked my bank account I didn't see my paycheck deposited into my checking account. I kept getting a message saying they were having technical issues. 
XX/XX/year> - I called Capital One to find out what the issue was and the representative on the other end of the phone couldn't tell me anything but that they were having technical issues. 
XX/XX/year> - I checked my bank account to see if the check was deposited at XXXXXXXX XXXX and it wasn't and I was still getting the automated message that they were having technical issues. 
XX/XX/year> - I had to call my Electric company to ask for an extension on the bill because I didn't have the money to pay my electric bill.

Currently - I am not able to buy groceries, or pay any bills that are due today or tomorrow, because my paycheck has not been deposited into my account. 
Both the XXXX and XXXX have been incredibly stressful for me. 
The XXXX I was planning on taking my dog to the Veterinarian because she was not eating, buy I had to cancel because my check was not in the bank. I am extremely worried and trying to maintain calmness during this whole catastrophe. But, at this point I am seriously thinking about switching banks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed multiple inquiries on my report that I do not recognize
Product: Credit reporting or other personal consumer reports

I contacted XXXX by phone to inform them of errors in my credit report concerning the reporting of a bankruptcy that has been inaccurately documented. Upon my own investigation, it has been brought to my attention that the bankruptcy details on my credit report are incorrect, as bankruptcy courts do not typically supply this information to credit bureaus. Despite my previous request for accurate validation of all details, your company responded by asserting that all information had been verified. In light of this, I am requesting disclosure of the contact information used to confirm this inaccurate bankruptcy reporting. 

I know that they did not verify this inaccurate information because the XXXX XXXX XXXX XXXX do not respond, report or contact any credit agencies to dislose information in regrads to bankruptcy
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a collection agency stating my Kohl 's account had been sent for collection. Didn't think I had a delinquent account, thought it was a scam. I have had an account with Kohl 's for 14 years, always paid on time and in full. I contacted Kohl 's they informed me I was late two months and my {$47.00} charge was now {$100.00}. I questioned why I didn't receive a bill or late notice. They said I was being electronically billed. Which I had no idea was happening. Until this time I had always received my statements in the mail and paid them in full on time. The person I spoke with said if I paid the {$47.00} in full they would remove the late fees. I spoke with them again a few days later about the problem about getting the late fees removed. They insisted that I had been sent emails with statements of my account, they have a record of that, in fact that day XX/XX/21 another had been sent. I had not received any emails from them about an amount due or that my account was delinquent. In the meantime I discovered they had sent in a late payment to the credit reporting agencies my credit rating fell drastically. I called them asking that they correct that report and remove the late fees. The late fees were removed and the credit reporting was sent for investigation. I received notification today that the information previously furnished to the credit reporting agencies is accurate. They are unable to comply with my request to update this information with the credit reporting agencies. I maintain ... this is their error in not sending me a statement in the mail. I did not know I was getting bills electronically and never received any emails stating so. Had I been notified of an amount due it would have been paid in full on time. My credit score plummeted 92 points. I have had an excellent credit rating for years! I believe this to be an attack on my character.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Date of Birth : XX/XX/1993 SS # : XXXX To Whom It May Concern, I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 
Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a XXXX XXXX XXXX XXXXXXXX where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 

****** XXXX XXXX XXXX XXXX Action Requested : Please provide proof that its reporting correctly from the CourtHouse and not a third party and delete if anything is incorrect *** XXXX XXXX XXXX XXXX Action Requested : Please provide proof that its reporting correctly from the CourtHouse and not a third party and delete if anything is incorrect *** XXXX XXXX XXXX  XXXX Action Requested : Please provide proof that its reporting correctly from the CourtHouse and not a third party and delete if anything is incorrect XXXX XXXX XXXXXXXX XXXX  XXXX Action Requested : Please provide proof that its reporting correctly from the CourtHouse and not a third party and delete if anything is incorrect ***XXXX XXXX XXXX XXXX Action Requested : Please provide proof that its reporting correctly from the CourtHouse and not a third party and delete if anything is incorrect Inquiries : ***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 I did not request the companies listed above to access my credit report. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Please investigate if every piece of information is correct on the reported late payment history. If the late payments are not reporting 100 percent accurate, please remove them from this account and update the account as paid as agreed I also read where I can get the updated report after you investigate this from the XXXX XXXXXXXX XXXX. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area. 
Thank you for your time and help in this matter. Sincerely, XXXX XXXX XXXX.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud in their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolutions process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and i seek appropriate redress for these violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with Equifax about a month ago on line that the following accounts is fraud on my account. I have been a victim of identity theft 3 times over now and they continue to report false information after you tell them you have no record of account. 

XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX  ACCT # XXXX
Product: Debt collection

All State insurance agent created a mortgage and auto policy for me and my wife without our consent, signature or verbal approval. I have text conversation with this agent where I specifically request this person that we are NOT interested in buying his policy. They took out information on the pretext of giving us a competitive quote however despite our request to NOT create any policy for us they started a policy without our consent. The agent withdrew money from our escrow account to pay for mortgage and auto loans despite r being asked NOT to do so. When we reached out to dispute this with the XXXX agent, he refunded us the amount. However since then we have been receiving bills, calls, texts and emails from debt collection services to collect {$200.00} debt to XXXX XXXX. This XXXX agent must be audited and debt collection services should be able to dispute this with their clients. Instead, debt collection services is asking us details and a copy of our actual insurance policy!
Product: Checking or savings account

I opened a checking account with Ally bank on XX/XX/2023. Ally automatically sends a debit card once your account is funded. I funded my account XX/XX/XXXX and but I never received a debit card. 

Due to this, I was unable to pay several bills and had no way to access my funds. I requested a new debit card to be mailed and expedited to me, which I was told would take up to 7 business days. 

Because my bills were now overdue, I issued 2 wire transfers to my secondary bank account so I would have access to my funds during the additional waiting period for my debit card. 

Ally flagged my wire transfers and sent me an email telling me I needed to verify my identity and the wires. I spoke to several people, multiple times, and verified my identity, answered all security questions and patiently explained that I was sending money to myself so I can by my bills while I wait for my debit card. 

My account was then unlocked, I was told the wire transfers were approved and that no additional information was needed from me. 

Two hours later, I received another email from Ally stating that my account was restricted and that I needed to call to get my account verified again. I called and the agent gave me a # to speak to the loss prevention department, However they were now closed. 

So, this morning I called the loss prevention department and spoke with 2 different agents. They told me my account is under investigation, and refused to give me any further information. I explained to them that I need to speak with someone immediately as I could potentially lose my vehicle and Im behind on several bills because Ally will not give me access to my funds. I asked how long the investigation process takes and how I can speak with someone to resolve it and they again refused to give me any answers or to give me a timeline on when I can expect a response. 

So at this point, Ally is holding over {$20000.00} of my money that I can not access. Theyre an online bank so I cant even walk in and speak with anyone. They will not give me any answers or any updates regarding my case and wont give me the contact information for the department responsible for releasing my funds or account. 

Please, if the CFPB can help me resolve this before I lose my car, I need to pay my rent and my bills and I do not have much time to get this fixed.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/year> Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment delay due to postal service issues : In XX/XX/year>, I mailed my payment well in advance, but due to delays with the postal service, the payment arrived late. This delay was beyond my control, and the payment should not have been marked as late, as I acted in good faith to ensure timely payment. 
Payment made within the 15-day grace period : Despite the postal delay, my payment for XX/XX/year> was received and processed within XXXX 's 15-day grace period. As such, this account should not have been reported as 30 days late. 
Evidence provided : I have attached bank statements and payment confirmations showing that I sent the payment well before the due date and that it was processed within the grace period once received. This evidence clearly demonstrates that the reported late payment is inaccurate. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPER BY SILENCE, ENGELHARDT v GRAVENS ( mo ) 281 SW 715, 719, 1 presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. - 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
Product: Credit reporting, credit repair services, or other personal consumer reports

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

1.Account Name : XXXXXXXX XXXX # XXXX 2. Account Name : XXXX. XXXX XXXX # XXXX 3.Account Name : XXXX XXXXXXXX # XXXX 4. Account Name : XXXX XXXXXXXX XXXX # XXXX 5. Account Name : XXXX XXXX XXXX XXXX # XXXX 6. Account Name : XXXX XXXX XXXX XXXX XXXX XXXX 7. Account Name : XXXX XXXX XXXX XXXX XXXX XXXX 8. Account Name : XXXX # XXXX 9.Account Name : XXXX XXXX XXXX XXXX XXXX 10. Account Name : XXXX XXXX XXXX XXXX XXXX 11.Account Name : XXXX XXXX XXXX XXXX XXXX 12.Account Name : XXXX XXXX XXXX XXXX XXXX 13. Account Name : XXXX XXXX XXXX XXXX XXXX 15.Account Name : XXXX XXXX XXXX XXXX XXXX 16.Account Name : XXXX XXXX XXXX  # XXXX 17.Account Name : XXXX XXXX XXXX  # XXXX 15 U.S.C 1681 section 602 A : States that I have right to privacy. 

15 U.S.C 1681 Section 604 A Section A section 2 : 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 items of information, other than records of convictions of crimes which antedates the report more than seven years.

15 U.S.C 1681 s-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 or other personal consumer reports

Subject : Complaint Against EQUIFAX INFORMATION SERVICES, LLC for Violation of 15 U.S. Code 1681i ( 5 ) and Failure to Remove Inaccurate Account Information Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against EQUIFAX INFORMATION SERVICE, LLC for its repeated failure to remove inaccurate Inquiries information from my credit report following two reinvestigations, which is in violation of 15 U.S. Code 1681i ( 5 ) of the Fair Credit Reporting Act. 

INACURATE INQUIRIES : XXXX. XXXX XXXX - XXXX. 
XXXXXXXX XXXX XXXX XXXX XXXX 
XXXX. XXXX, XXXX - XXXX. 

Despite providing clear evidence of the inaccuracies in the above-referenced account and requesting its removal from my credit report, EQUFAX INFORMATION SERVICES , LLC has failed to comply with the law and has retained the inaccurate account information.

The Fair Credit Reporting Act mandates that if a reinvestigation does not resolve a dispute, the credit bureau must delete the disputed information within five business days. The repeated failure of EQUIFAX INFORMATION SERVICES, LLC to adhere to this requirement is a clear violation of 15 U.S. Code 1681i ( 5 ) and has caused me financial harm and distress. 

I am requesting that the Consumer Financial Protection Bureau investigate this matter and take immediate action against EQUIFAX INFORMATION SERVICE , LLC for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate deletion of the inaccurate account information from my credit report and appropriate measures to ensure that EQUIFAX INFORMATION SERVICES, LLC upholds its obligations under the law. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying this issue. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

I am a current victim of Identity theft that was discovered in XXXX of 2024. 
I have filed an affidavit with the Federal Trade commission and will include that in this complaint. 
This debt in the amount of {$950.00} is not mine and this original account XXXX XXXX XXXX was opened and used fraudulently. 
Again, I was only made aware of the identity theft I am a victim of once the stolen accounts were used and had gone into collections. 
This one in particular I never received any communication from until I received a letter from debt collection company First source that this debt is in my name trying to be collected. 
My name, address, social security number and phone number have all been stolen and used to impersonate me. 
I also have my local police department on stand by should I need to file a report I already have an inquiry to them and they are made aware of this crime.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a complaint with Experian and it has been over 30 days and I am requesting inaccurate information be removed from my credit report.
Product: Credit card or prepaid card

US Bank blocked the use of my account because its a new account, and inconsistences with my address, phone number, and the county I live in. All of which was created by US Bank, and their own doings. I spoken to the fraud department, and the manager refused to let me use my card. I was told to wait for a phone call at their convivence, because calling back will not unblock my account. I'm at mercy of their managers, and whoever is doing the account review. Mind you, I have a life and job. 

I applied for this card for the sole purpose of it earning 6 % cash back at XXXX. I went to use my card at XXXX on XX/XX/2023, it was declined. I spoken to XXXX from the fraud department that day, he told me everything will be good to go in 5 minutes. I went to use my card again on XX/XX/2023 at XXXX, again it was declined. I spoken to XXXX ( I forgot her exact name ), and she was not helpful. She can't do anything, and her manager wouldn't let me use my card. 

I logon to my US Bank online account management during the application for a faster application process, and my address it populated, the system refuse to accept. US Bank online application system wouldn't accept my address they have on file, so I have to change the format in order get thru the application process. I did not change the phone number on my account, it was the old work number they have on file. The county I live in is XXXX XXXX, but I guess they want me to lie and say I live in XXXX XXXX, because according to their system that's the the answer they were looking for. 

I will also be losing {$90.00} in cash rewards because I can't use my card, and Q1 6 % bonus ends in about a week.
Product: Mortgage

Our loan has been sold to different servicer. We had to modify our loan several times the latest was with the loan servicer we now have according to them we where delinquent with our loan for XXXX and when I asked for what months were where delinquent they sent me months of delinquency I sent them proof that those monies had been paid, then they came back and said that funds had been placed in the I applied which we dont know what that means. This forced us to modify or we were going to be foreclosed on. We told them that if we were behind for that large amount we would still be living in our home. The servicer didnt care therefore forced us into a new modification which put us in XXXX more years of mortgage. We have asked for an explanation and they havre provided it but we dont understand it we have asked to speak to someone in the loan servicing dept but they will not speak to us only they e-mails but lately have not even answered those. This has been going on since 2018 in which our loan has been back and forth with other loan servicer and now back to his servicer we are currently on which is the one that formed us into modification.