23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I HAVE FILED A COMPLANT BEFORE WITH NO RESPONE BACK currently demonstrated in the above-mentioned report andbeing seemingly deficient ofcertainty of facts, with concerns to the adequately certifiablereporting process ( es ) and or format ( XXXX ), it can NOT be assumed your claims are within theminimal criteria forlawful and or ethical reporting, even should collection rights beunaffected, if evenapplies. In appreciation of the sufficient reporting safeguards, the belownotedclaim ( XXXX ) divulged versus me are contested as not being of a sure confirmation offactsand truth much less being certifiable in its essential compliant reportingprocess ( es ) and orthe mandatory XXXX XXXX format reporting. Being divergent of theexpected reporting caliber, the below contested reputed claims probity each is in astate of peril due to multipleaspects of ailment as indicated beneath, efface fromreporting ALL ASPECTS OF NEGATIVITY immediately and permanently. In accordancewith the Fair Credit Reporting ActSection 611 ( 15 U.S.C. 1681I ) and the understood STANDARDS of acceptable lawfulCOMPLIANT REPORTING STANDARDS such as theXXXX XXXX XXXX Points of Compliance andother potentially applicable standards XXXX regulatory engrossments of reporting I amrendering this officially writ consumerCHECK OF COMPLIANT REPORTING andCHALLENGE versus any and all insufficientreporting and ineptitude to sufficientlydocument factual reporting verifiability ofvalidness, authenticity, accuracy, ownership ofresponsibility, completeness, and orcertifiability of the mandated compliant Procedure ofREPORTING and mandatorilyperfect complete certifiable XXXX XXXX FORMAT compliance ofreporting standard ( XXXX ). XXXX not recognize the information listed below as having ever beendemonstrated tobe factual in solidity much less certified compliantly reported in themandatoryprocesses of reporting and with factual, accurate, and completely certifiedorderedformat of the XXXX XXXX COMPLIANCE STANDARD of reporting standard ( XXXX ) .PLEASEDELETE THE FOLLOWING ACCOUNT BELOW : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am filing this complaint because my husband and I had a joint checking account with Capital One. The joint checking had a reward program which Capital One no longer offers anymore. Capital One was supposed to send a check in the mail to us regarding the reward program. We did not received anything regarding this reward program. My husband place a called and spoke with a representative they told him that it was mailed to a XXXX XXXX address. Prior to this phone call with Capital One allegedly mailing this off my husband had change our address two years prior to mailing it off and they could not explain to us why they mailed to an address that we no longer live at. The representative was not sincere in the matter and could not rectify the situation. At this point we felt that Capital One has bamboozled us and lied to us about mailing something they never intended to mail in the first place. Yes we know the account with Capital One was left in the negative but we still want to know what happen to the money that was supposedly mailed off that we never received.
Product: Checking or savings account

I deposited {$260.00} into my  BBVA  checking account on  XXXX   XXXX ,  2016  and they never appeared on my account so I filed a dispute claim and they have not given me my money back. I was unable to pay my car on time because of this and now I have late fees.
Product: Debt collection

A debt validation letter was sent to the company on XX/XX/XXXX. They then responded by updating the payment history information which caused by credit score to drop down XXXX points. The debt was included in a bankruptcy back in XXXX so, no payment history information should have been updated at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person. 
Edited
Product: Credit card or prepaid card

XX/XX/2022 amount {$670.00} Iam really disappointed about capital one credit card.i file for dispute for my one transanction 6 months ago. whatever documents they ask me i provide them but they said its not enough so i upload more documents. They respond me with letter change the date of the letter and give me same answer provide more documents. so after 3 weeks i start calling customer service whatever they ask me to provide i provide all documents i used to stay with them line for 1 hour talking to them and upload all documents they asked me to send. after 4 months they send me letter they cant do anything about my dispute because i didnt submit this within a month which i inform them within a month after transaction. so i called customer service to closed my account she told me i will received my statement bill by mail i was waiting for that. after 1 month i see their online account they charge me interest and late fee. i called them up and pay my full bill. supervisor pickup call their she said if i paid full iam not going to responsible for any charge. next month i see they charge me again interest fee then i call them they said its their policy thats why they charge me interest fee even though i paid on time before due date full amount and my account closed is well. they are scam people and disrespectful. every customer service represtatives every time give different kind of answer for same problem. Even though supervisor is really rude they even dont know what they doing. Every supervisor give different kind of answer as well. When I told them listen to the recording call what other customers representative Ive or supervisor tell me. They said they dont care. big scammer they just want to get the money
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the FRCA the term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained Through personal interviews with neighbors friends or associates of the consumer reported on are with others with whom he is acquainted or who may have knowledge concerning any such items of information. 
They stated my account was verified but how is that possible if they did not do a proper investigation? According to the law every piece of information reported on all accounts is supposed to be investigated, verified and 100 % accurate, after sending certified request to conduct proper investigation and remove inaccurate accounts they are still reporting these accounts as 100 % accurate, and according to the FRCA 15 USC 1681 everything has to be a 100 % accurate I have the credit report Showing the inaccuracies still reported.
Product: Money transfer, virtual currency, or money service

Good day, On XX/XX/2022, when i open my email and my PayPal account i received a message that " You can no longer do business with PayPal ( Ref ID - XXXX ) '' without any explanation why my account was permanently limit i use my account for my business and i need it can you please help me to recover my account and lift my limitation so i can withdraw the hold fund on my account and i can use again it for my business. 

Thank you Very Much!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX 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. 15 U.S.C 1681 section 602A states I have the right to privacy. 15 U.S.C 1681 Section 604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

BoFa was supposed to close my home loan on XX/XX/XXXX. BoFa 's underwriting department decided on XX/XX/XXXX to change the terms of my loan, and classified my home as non-owner occupied. They told me I need to pay a 25 % down payment, they took away {$2000.00} in lender credit and charged me {$2100.00} in loan amount points. They changed my interest rate from 3.375 % to 3.500 %. BoFa had a promotion going on that if I brought in $ XXXX in new money to BoFa, then they will give me a .25 % reduction in my loan. I brought the $ XXXX over to BoFa and my new interest rate should have been 3.125 %. Underwriting never gave me an explanation on why my place is considered non-owner occupied. I told BoFa that I do n't plan on moving. The seller was purchasing another property, so I did not have time to shop around for another bank. I had no choice but to close with BoFa. BoFa dragged out closing this loan, and I closed on XX/XX/XXXX. I purchased the property that I lived in for the last two years, and the owner did not involve a realtor in the sale of the property. I kept telling BoFa that the non-owner occupied classification was a mistake, but they would not correct this. The loan officers told me that underwriting has already made their decision. It is not right they told me this right before closing. I have no idea how to fight this or what my rights are at this point.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I had many payments that would not allow me to accept them from my clients. This led to me losing hundreds of dollars since the payments were eventually cancelled.
Product: Checking or savings account

I have an health savings account with XXXX XXXX that is being charged a large monthly fee that was never disclosed to me. XXXX claims that I have a service agreement, but I never signed off and agreed to this. In fact when I left my employer, they informed me that there was no fee on my account. 

To continue collecting this fee, XXXX XXXX has made it very difficult for me to get repaid for my medical expenses. They have denied itemized bills and insurance bills. They have also NOT sent me a debit card to make it more difficult to access to my funds. 

I spoke with XXXX XXXX on XX/XX/XXXX about getting repaid for the fees and asked them about the debit card. They refused to pay me back the full amount of the fees, {$150.00}, and didn't offer to send me a debit card, even though the manager, XXXX, agreed that I have not used my account as XXXX XXXX has made it difficult for me to access my funds. I didn't even receive a XXXX tax document because I have not had access to my account. I don't know why I am even being charged a fee as no custodian services are being done that I should have received ( i.e. the debit card and approval of my medical expenses )? I can not move this account either, and feel that I am stuck. 

Is this the new level of American fraud and greed? Why is the US Government pushing health savings accounts, especially with these unscrupulous banks. When I asked XXXX XXXX why they are doing this, the manager, XXXX, replied it is because they are " for profit. '' So, making it difficult for me to access my hard earned money so you can charge me a monthly fee is not fraud? Especially, when you didn't even inform me about his fee?
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 USC 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- such financial institution clearly and conspicuously DISCLOSES to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party ; and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
Notice, congress said that the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. The fact that I was never given an explanation of how I can exercise that nondisclosure option is immediate grounds for removal. The Medical/Health account reporting is a violation of HIPPA privacy laws as well. 
Accounts Rentdebt Autom Balance {$3200.00} Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance {$530.00} Original Creditor : XXXX XXXX XXXX XXXXBalance {$100.00} Original Creditor : XXXX XXXX XXXX XXXXBalance {$130.00} Original Creditor : XXXX XXXX XXXX XXXXBalance {$210.00} Original Creditor : XXXX XXXX XXXX XXXX ... Balance {$280.00} Original Creditor : XXXX XXXX XXXX XXXX ... Balance {$220.00} Original Creditor : XXXX XXXX XXXX XXXX  ... Balance {$1300.00} Original Creditor : XXXX XXXX XXXX XXXX # XXXX Balance {$200.00} REMOVE UNAUTHORIZED Inquiries attached to this notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE A XXXX XXXX CREDIT CARD THAT WAS PAID ON TIME AND IS SHOWING A 30 DAY LATE ON MY CREDIT REPORT FOR THE MONTH OF XX/XX/XXXX. I MADE TWO PAYMENTS ONE FROM MY ONLINE BILL PAY AND THE OTHER ON XXXX XXXX CREDIT CARD BILLING SITE. THE ONE I MADE ON XXXX XXXX SITE WAS ACCOUNTED FOR THE ONE THOUGH BY BILL PAY WAS NOT AND THIS IS THE ONE THAT RESULTED IN A 30 DAY LATE. XXXX XXXX REP STATED THAT THIS WOULD BE CLEARED BUT I HAVE NOT RECEIVED ANYTHING IN WRITING STATING THIS FACT.
Product: Prepaid card

I tried using my {$1000.00} and {$590.00} American Express reward cards at multiple online retailers but was continually declined. I called customer service and they were no help at alltelling me that some retailers just dont accept this card. I would not have elected to receive a gift card with AmEx had I known I couldnt use this huge amount of money at any of the stores I shop. The false advertising that this reward card would be accepted wherever AmEx cards are accepted was misleading and untrue.
Product: Credit card or prepaid card

My credit card at Wells Fargo was used for fraud in that a series of on-line transfer were made to the credit card which I did not authorize. My credit limit was {$15000.00} and the on-line transfers were for more than {$41000.00}. Wells Fargo now claims that my credit card balance is over {$41000.00} and is demanding payment.
Product: Debt collection

Velocity Investments LLC out of New Jersey represented by XXXX XXXX  XXXX XXXX is suing me for a debt I do not owe them. They tried suing me in metropolitan court in XX/XX/year> case was dismissed and now suing me in XXXX XXXX court. Debt collector would call excessively and threaten action against me in years XXXX. Told them I have no knowledge of debt and what they want. Judge dismissed case in 2023 and now debt collector trying to sue me again, sending me excessive documentation requesting me to admit to statements. I am with limited sources and having to tackle this by myself, trying to get sanctions against me. This debt collector has multiple FDCPA violations reported against them online and its practices are misleading, abusive, and unfair to consumers. Help me please. My credit report shows {$0.00} balance for said debt from original carrier.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> CFPB case XXXX was opened and sent to TransUnion regarding 15 U.S. Code 1681a - Definitions ; rules of construction ( XXXX ) Exclusions.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Accounts in dispute were XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Due to the code, this shows that late payments can not be reported. A response was not received until XX/XX/year>. This was past the 30 day time frame granted in the FCRA. Delete the following accounts as the time frame to respond was not met. Additionally an investigative consumer report was requested. Per the FCRA as a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. This obligation was not met. If the items are not deleted and funds are not provided, I am prepared to begin arbitration.
Product: Credit reporting or other personal consumer reports

My personal and financial information was compromised without my authorization. FERPA protects the confidentiality of student records. The breach violates the contract and renders it null and void. 


XXXX site keeps crashing and will not allow for disputes at this time. XXXX XXXX keeps crashing anytime I put in a dispute as well. Says oops something went wrong. Try again later
Product: Debt collection

This company is violating my rights when it comes to the FCRA in N.C. It put a fraudulent collections account on all 3 of my credit reports I was told by a very nasty attitude rep from this company that they will not remove a fraudulent account even if its determined to be fraudulent when their company policy says that they will only remove fraud accounts reported or identity theft accounts theres a thousand responses on XXXX from the compliance officer saying they will delete those accounts but the rep I spoke with was very rude and condescending I was threatened that if didn't provide certain information to this rude woman that me wanting to speak with a manager or supervisor would not be granted and the she was just gon na hang up on me because she was tired of waiting on me I have the right to speak with a manager or supervisor when the rep is being unprofessional and I was denied that and hung up on I would like this company to remove this fraudulent account from my credit reports immediately.
Product: Credit reporting or other personal consumer reports

Subject : Request for Deletion of Closed Account with Late Payments FCRA Compliance To Whom It May Concern, I am writing to dispute inaccurate and harmful information appearing on my credit report regarding my XXXX XXXX account. This account has been closed and fully paid, yet it continues to reflect late payments, which are negatively impacting my credit score. 

Under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), I have the right to request verification of the accuracy, completeness, and timeliness of any information reported in my credit history. According to 15 U.S.C. 1681i ( a ) ( 5 ), if the information can not be verified with absolute accuracy, it must be deleted or corrected immediately. 

Details of the Disputed Account : Creditor Name : XXXX XXXX Account Number : XXXX Status : Closed and paid Inaccurate Information Reported : Late payments that do not reflect the current status of the account
Product: Credit card or prepaid card

Synchrony ( Care Credit ) Every month for 6 months. I've paid they charge Me every month a interest fee then a card fee. 
{$2.00} intrest card fee {$14.00}. 
XX/XX/XXXX. 6 months later I get charged with a intrest charge fee of XXXX and card fee of XXXX. Literally everything I have paid. Now we're in XXXX and my intrest fee is XXXX and card fee is XXXX. When I called them they said because they weren't charging all in the intrest fee and because I didn't pay it off in 6 months. I never saw anything stating that we owe extra for 6 months.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that is currently listed on my credit report. There is incorrect information that I would like to have removed as it does not reflect my true credit history. A dispute letter has been sent via certified mail requesting the information be deleted as it is reporting inaccurate dates the accounts was opened and some of the accounts have been paid and is reporting that they have not, receipts have been attached. 

Under 15 U.S. Code 1681e ( b ) is a provision of the Fair Credit Reporting Act ( FCRA ) that outlines the responsibilities of consumer reporting agencies ( CRAs ) to ensure the accuracy of the information they provide in consumer reports.

Also, under 15 U.S. Code 1681i ( a ) ( 5 ) is another provision of the Fair Credit Reporting Act ( FCRA ) that deals with the procedures for the reinvestigation of disputed information by consumer reporting agencies. 

Please delete inaccurate information from these accounts listed below : XXXX. XXXX XXXX ( XXXX ) - account have been paid as well XXXX. XXXX XXXX Accounts XXXX. XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly late payments in XXXX and XXXX on the XXXX XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) XXXX XXXX XXXX consistently did not apply the payments correctly to this account. One billing department was not in sync with the other department and consequently the lates that are reporting in both XXXX and XXXX are false. I have been working with a representative from XXXX ( her name is XXXX ) and she is working diligently trying to resolve this reporting error of late payments. In addition to resolving the late payment issues, the current reporting of the balance due on this account is incorrect. The account balance information needs to be updated to report accurately as well. This account is current and in good standing. There are no late payments to report. I have contacted the ( 2 ) bureaus to remove the lates however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The Equifax Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Equifax has failed to properly identify and provide any within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with written authorization or remove these inquiries from my credit file. 
XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX