23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

In XXXX I had an issue with Capitol One processing payment from Bank account. Instead of the XXXX to XXXX business days in the fine print it was taking over XXXX  days. XXXX my bank is an online bank and doesn't hold deposits or funds to be processed for payment. There is no XXXX to XXXX business days to process, their policy is instant customer service and processing. No wait. After this dispute with Capitol One never even getting back to me, just closed the credit line. But still wanted payment, minimum being in the $ XXXX, and interest. So I paid. Opened another XXXX XXXX line thru my XXXX. Today they closed the XXXX card because of the XXXX dispute. 6 months later. No notice, or explanation. Never had a late payment or returned payment since XXXX. When I spoke to a supervisor he advised me because they can. And said no compliance department or anyone to speak to other than a lawyer. Goodbye.
Product: Debt collection

Affirm ( the collector ) states on my credit report 3 times that on 3 occasions I owe a balance of the first for {$270.00} on XX/XX/2021, the second for {$390.00} on XX/XX/2021, and lastly {$160.00} on XX/XX/2021. These balances resulted in a negative impact on my credit score which is now inaccurate to report as so due to IRS meaning of a write off ( stating as ordinary income ) which is inaccurate for this instance it goes against 15usc 1681eb.
Product: Money transfer, virtual currency, or money service

I made a deposit of {$17000.00} in XX/XX/2024 to my crypto.com account from my XXXX XXXX using the the account number and routing number supplied by crypto.com. 
The transfer was successfull and the money reflected on my crypto.com app. I bought litecoin ( ltc ) and then proceeded to initiate withdrawal but it was cancelled and my account was put into review. after 3 days review, they told me that they will refund the {$17000.00} back to my XXXX  account where the money came from and I will have to re-initiate the transfer to crypto.com. 

After XXXX business days I did not see any refund in my account since they said the refund will take XXXX business days. I reached out to support and they said the money should be in my account. But nothing came in. They asked for screenshot and Bank statement of the account. I said since we are just in XXXX, the bank statement for XXXX is not ready. We got to XXXX ending still nothing came in and the reached out to support on crypt.com.com and they said same thing that the money is in my account. I now supplied the bank statement and screenshot of my account. In the month of XXXX I had no transaction in my XXXX  account and this reflected on my bank statement. XXXX I reached out again and they kept on insisting the money has been sent to my account. But I keep on telling them with facts and proof that nothing came I even had to reachout to customer support of XXXX XXXX  and they said same thing that no transaction came in to my account with such amount. XX/XX/XXXX, I received a deposit of {$1400.00} and on XX/XX/XXXX, I tried withdrawing to same crypto.com using the same account number and routing number provided. XX/XX/2024 XXXX XXXX  sent me an email that my transfer did not complete and my account was suspended. I reachout to XXXX XXXX and they said my account will be closed and a closure check in the amount of {$1400.00} which is the available balance on my account will me mailed out to me. I reached out to Crypt.com customer support and told them everything that happened and even provided screenshots that my account and closed and the bank said they never received and refund of {$17000.00} back to my account and that the Only available amount on my account which is {$1400.00} is what will be sent out to me. 
Till date crypto.com is unable to account for my {$17000.00} and they don't want to give me my money with the excuse that the money returned to my account since XXXX which it did not. Please help me get my money back. Thank you I have attached bank statement and screenshot of the transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX, I requested my free annual credit report on XXXX from XXXX and TransUnion, and received my XXXX report promptly ( same day ). 

TransUnion has failed to send anything to this day, it is going on XXXX weeks and not a word from TransUnion. I tried to reach out to them but can not get through and I need this information in preparation for its use... If anything needs correcting, I will likely be unable to correct things in time. 

Please help. No customer should be treated like this especially when XXXX and XXXX were very prompt and responsive. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is in response to the notice I received from XXXX XXXX XXXX after filing a CfPB complaint in which I demanded due assurance that the alleged borrowers promissory note did not fund the alleged loan to the borrower. XXXX XXXX XXXX sent me a copy of the alleged promissory note in their response to my CfPB complaint, and upon seeing the note for myself and reading the agreement it appears that XXXX XXXX XXXX XXXX who is the party that demands payment from XXXX XXXX XXXX XXXX and is reporting a derogatory account to XXXX XXXX XXXX XXXX consumer report is not entitled to any payments whatsoever. This is because the stamp on the note at the very top left hand corner says the note was pledged to XXXX XXXX XXXX XXXX. It is a fact that XXXX XXXX XXXX XXXX XXXX XXXX is the real holder of the original note not XXXX XXXX XXXX therefore XXXX XXXX XXXX has no right to demand payment in accordance with a note they dont own. If I pay XXXX XXXX XXXX I would be paying the wrong party I would then end up having to pay the proper party again. I could be paying twice if I am not paying the correct party. ( See UCC 3-302 ) I know you receive financial assets from these notes all the time. Now that XXXX XXXX XXXX has disclosed to me the chain of ownership in regards to the note which I have attached a copy of the note with this complaint. XXXX XXXX XXXX can no longer attempt to collect on the alleged debt or report negative things to my consumer report because they do not hold the original note XXXX XXXX XXXX  owns it. If XXXX XXXX XXXX doesnt delete this account from XXXX XXXX XXXX XXXX consumer report I will take this matter to the office of comptroller currency ( XXXX ). None of the claims I have made against XXXX XXXX XXXX have been fraudulent claims. This issue is identity theft ( the note was stolen and forged to appear as if I owed another party while paying the wrong party and was then stamped endorsed and used as money all without my authorization which any thing done with my information without my authorization is identity theft. Then XXXX XXXX XXXX who has no claims to any debt because that party no longer owns the original note has also accessed the borrowers credit and charged off the account and received income from the account and has therefore reported incorrect fraudulent information to the alleged borrowers consumer report for more than 4 years. As well as the issue of XXXX XXXX XXXX not being the correct party to collect payment for any debts said to be owed in the alleged agreement. Only XXXX XXXX can do that since they hold the original note. I do not recall having ever been loaned the amount of XXXX XXXX  cash value of XXXX XXXX XXXX own money. XXXX XXXX XXXX didnt loan XXXX XXXX XXXX XXXX any of XXXX XXXX XXXX own money. Therefore XXXX XXXX XXXX XXXX doesnt owe XXXX XXXX XXXX anything. The alleged debt is fake debt and I demand this debt be deleted from the consumer report belonging to XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I attempted to contact customer service to dispute fraudulent / unauthorized information on my credit report to be told that this information could not in fact be disputed. This is unethical and should be investigated by the CFPB, these inquiries have a negative affect on my credit report and will result in possible denial of future credit and or loans if needed due to the financial hardship of COVID-19. I wish these inquiries to be disputed. 

Following inquiries are fraudulent and unauthorized XXXX on XXXX/XXXX/2020 XXXX on XXXX/XXXX/2020 XXXX XXXX XXXX   on XXXX/XXXX/2020
Product: Credit reporting or other personal consumer reports

The delinquent payments shown on my credit report XX/XX/XXXX was a result of my job loss due to XXXX. The CARES Act, which was signed into law on XX/XX/XXXX, and ended XX/XX/XXXX amended the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the XXXX crisis under these circumstances. Please update this information to PAID/AGREED for the following time period. 
XXXX XXXX XXXX account XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX XXXX Account XXXX, XX/XX/XXXX Also information inaccurate for CB not mine. XXXX keeps saying they did investigation and account was not
Product: Bank account or service

Denied a promotional offer for new money in a savings acctg. Major bank with minor customer service. Latest response was that I was ineligible due to not receiving offer in mail while I was offered this promotion in person from their bank representative. Have spent several visits to branch office, hours on the phone, and countless time with chats and emails with extremely long turn around time for any answers to this problem. Was told in branch, that this unfortunately business as usual and I am one of many with similar problem with same representative.
Product: Debt collection

XX/XX/XXXX i was never in a hospital since XXXX  and my medicaid paid but these collection saying that i was recently in the hospital which I know it wasn't me at all the amount is XXXX and the other saying XXXX I don't know who they belongs to but I want them off my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax, I am writing to formally dispute the inaccurate information reported on my credit report. As per the Fair Credit Reporting Act ( FCRA ) Section 605B, I am requesting the removal of the following accounts, as they are either fraudulent or inaccurately reported : 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 XXXXXXXX I am enclosing a copy of my credit report with the relevant accounts highlighted, along with supporting documentation, including my government-issued ID and proof of address, to assist in verifying my identity.

I request that these accounts be removed from my credit report promptly, as they are inaccurate and do not belong to me. Please notify me in writing regarding the outcome of your investigation within 30 days, as required by law.

Thank you for your attention to this matter. Should you need any additional information, you may contact me at [ your phone number ] or [ your email address ]. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

XX/XX/22 -- XXXX fraudulent claim was made with wells fargo for a total of {$60.00} to an unknown individual. Case was opened and will be going through further investigation.
Product: Debt collection

I am filing a complaint regarding a collection issue with national criticisms related to a debt I am disputing the debt was incurred while I was legally unable to access the property due to a protection order and my custody status during the time the alleged deck was incurred I was in custody and had a legal protection order in place which explicitly required me to stay away from the property as a result I was unable to fulfill any responsibilities or obligations related to the apartment I contacted national credit systems to dispute the debt providing evidence of my custody and the protection order however they refuse to consider this information stating that they only protect the property owner I'm requesting that the debt be removed from my credit report and that all collection efforts related to this matter cease I am providing you with copies of my legal documents custody records and protection order is proof that I was legally prohibited from addressing this issue at the time I appreciate your assistance and resolving this matter as I believe the collection agencies refusal to consider my situation violate my rights under the fair debt collection practice act fdcpa.
Product: Credit reporting, credit repair services, or other personal consumer reports

the following account is appearing on my credit report without any authorization, it does not belong to me, it is hurting me dentity Theft SYNCB/XXXX  Account Number : XXXX This is not mine.
Product: Debt collection

Several years ago I put into a web online shopping cart system a class at XXXX ( University XXXX XXXX ), I never fully checked out or agreed to enroll in the course. Somehow they are claiming I enrolled, I never fully completed the online checkout or to my knowledge ever agreed to enroll. It 's analogous to an abandoned shopping cart. It 's simply a case of being an online customer who never completed their purchase.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX Apt XXXX XXXX XXXX, Nc XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Va XXXX Subject : Dispute of Incorrect Information on My Credit Report Dear XXXX XXXX XXXX, XXXX writing to dispute incorrect information on my credit report. Specifically : Account XXXX : XXXX XXXX it could be found using my birthday XXXX XXXX. I am requesting a XXXX form in accordance with the charge-off you have on file for me.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX Account Number : XXXX I have never been late on this account, despite the company claiming otherwise. I have submitted proof that Ive always made my payments on time, but the company has ignored my evidence. Additionally, how can the company report me as late in XX/XX/year>, but not in the previous month or the following month? All other months show on-time payments. This discrepancy needs to be properly investigated. This account needs to reflect on-time payments only, as I have never been late. Please update and correct this information accordingly. 

XXXX Account XXXX : XXXX This account was never properly investigated, as there are no remarks on my credit report indicating that the bureau ever conducted an investigation, yet the information was marked as 'verified. ' How could you verify something that was never investigated? I request that this account be thoroughly investigated. If you can not verify this account, I ask that it be removed from my credit report immediately. 

XXXX XXXX Account Number : XXXX This account is showing as a charge-off but is still reflecting a balance, which constitutes a violation. Furthermore, this account was never investigated after I requested proof of its accurate reporting and validation of the debt. I have not received any response to my request for validation. I request that this issue be addressed immediately. 

I am requesting validation and verification for each account listed below. If your company or the original creditor can not provide verification or burden of proof, I request that these accounts be removed from my credit report immediately. Additionally, please remove any personal information that is outdated, old, or inaccurately reported from my credit report as well. 

Additional Accounts Listed Below : XXXX XXXX, XXXX XXXX Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX NCA ( Original Creditor : XXXX SPEEDYCASH XXXX / Account Number : XXXX If a company is claiming that I was late on payments, please provide proof of where and when these late payments occurred. I request a complete list of my payments and transaction history, including the date when I first became delinquent. If you are unable to provide this information, I ask that any and all late payments be removed from my credit report. 

Furthermore, I urge the Consumer Financial Protection Bureau ( CFPB ) to investigate the bureaus ' failure to properly investigate these accounts. It is crucial that the CFPB takes appropriate action to ensure compliance with investigation requirements and address these reporting discrepancies. 

Thank you for your attention to this matter.
Product: Debt collection

genesis credit management XXXX XXXX XXXX XXXX XXXX {$490.00} XXXX  XXXX XX/XX/XXXX chargeoff/closed XXXX  XXXX XX/XX/XXXX chargeoff/closed XXXX XXXX XXXX XXXX XX/XX/XXXX charge off/closed XXXX  XXXX {$600.00} closed and report negative after reviewing my credit profile today .i identified a discrepancy with these accounts listed under XXXX XXXX and validation was requested as this was an account i didn't recognize, i reviewed my credit report and its still reflecting on my credit report. I have not received my correspondence from creditor to validate these accounts as correctly belonging to me. nor has my credit report been updated to reflect that this account is disputed. this account is negatively affecting me.im not able to get loan to try to get house for me and my family. Under fair debit collection practice act ( FRCA ) ( 15USC 1692g ) stating my claim is disputed and validation is requested.
Product: Credit reporting or other personal consumer reports

Experian has deleted an account transaction from XXXX XXXX XXXX on XX/XX/2023 and has reinserted the information on XX/XX/2023. Experian failed to provide certified proof of the information that was allegedly verified. 

I have first hand knowledge that the account transaction is inaccurate and has been furnished and reported without any authority or written consent from me. 

Experian 's negligence is hindering me from obtaining credit for personal and household purposes. 

Please see attached.
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.

The letters are stated with items and issues. 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

I have contacted XXXX XXXX multiple times since 2020 to remove this collection off my credit. We moved in XX/XX/2020 to north Carolina clean apartment to perfect condition and lease was up. I even took pictures and video of the apartment day we left and still no one ever ask to see anything. I am asking to be removed from my report. 

Under 15 USC code 1681 I asked for an investigation into this and no one spoke to neighbor called or investigated anything.

( 1 ) it is clearly and accurately disclosed to the consumer that an investigative consumer report including information as to his character, general reputation, personal characteristics, and mode of living, whichever are applicable, may be made, and such disclosure ( A ) is made in a writing mailed, or otherwise delivered, to the consumer, not later than three days after the date on which the report was first requested, and ( B ) includes a statement informing the consumer of his right to request the additional disclosures provided for under subsection ( b ) of this section and the written summary of the rights of the consumer prepared pursuant to section 1681g ( c ) of this title ; and ( 2 ) the person certifies or has certified to the consumer reporting agency that ( A ) the person has made the disclosures to the consumer required by paragraph ( 1 ) ; and ( B ) the person will comply with subsection ( b ).

( b ) Disclosure on request of nature and scope of investigation Any person who procures or causes to be prepared an investigative consumer report on any consumer shall, upon written request made by the consumer within a reasonable period of time after the receipt by him of the disclosure required by subsection ( a ) ( 1 ), make a complete and accurate disclosure of the nature and scope of the investigation requested. This disclosure shall be made in a writing mailed, or otherwise delivered, to the consumer not later than five days after the date on which the request for such disclosure was received from the consumer or such report was first requested, whichever is the later.
Product: Money transfer, virtual currency, or money service

So on XX/XX/XXXX, mobile deposits has been processed into my bank account. This amount was {$2000.00}. After that was processed, I was told to transfer back {$1500.00} since I was only supposed to have {$500.00}. I sent a XXXX transfer of {$1000.00}. I sent another {$500.00}, but was told that they did not receive so they told me to send {$200.00} first and then {$300.00}. This happened on XX/XX/XXXX. After the XXXX  payments has been processed, the mobile deposits that have been processed was returned back to the user, resulting an overdraft to my account. Those XXXX transactions that were made was completed with the money that was deposited to my account. I filed a claim with Bank of America, but they said they aren't able to give me back my money since it was an authorized transaction. I read about the Electronic Fund Act and have read a similar incident where they were able to get their money back. They authorized the transaction as well and have been scammed just like me. I read about the incident and it said that " the way the consumer financial protection bureau sees it, if someone " induced '' you into transferring the money- even if, technically, you agreed to it- your bank has to reimburse you. I waited XXXX business days to be disappointed from Bank of America. I never used any of the money that was deposited into my account. All I am asking is for my money to be returned to me.
Product: Payday loan, title loan, or personal loan

I sent out a letter to XXXX XXXX  back in XX/XX/2018, to try and settle on an account. Well I actually have 2 accounts that fall under them, but 2 separate companies. Anyhow. I wanted to settle one account for a certain $ amount and have them update my credit report. The original amount on this particular loan was {$510.00}, and I wanted to settle for {$250.00} if they would delete or update my credit report.

I have received notification that they received my letter, but never received a letter or even a phone call from them to try and settle the loan. I have been with this company for a few years and have not had any problem with the previous employers until the manager transferred to a bigger location and some younger kids took over. They never sent me anything to settle or nothing. I mean if they had tried to reach out to me to settle this debt, I would have.