23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I sold only XXXX things on pay pal and had gotten a complaint so they held my money once I worked things out with the customer and they were happy and the customer dropped the complaint I then called PayPal and they released my money I then thought everything was ok a week went bye and i was trying to make other sales and it said my pay pal account has been terminated after a review of my account and they were holding the remaining XXXX XXXX I have left in my account for XXXX  days I called the lady said there's nothing they could do I asked for a supervisor and they said the supervisor couldn't help me neather and only would tell me they terminated my account after reviewing it and never a real reason this is not right when my customer them selves contacted PayPal and dropped the complaint so no PayPal has a right to steal my money for XXXX I don't agree
Product: Debt collection

I am writing to formally dispute a collection account that has appeared on my credit report from IC Systems , Inc. This account does not belong to me, and I have never incurred or authorized this debt. 

Details of the collection account are as follows : Creditor/Collection Agency Name : IC Systems , Inc .

Account Number : XXXX Date Reported : XX/XX/2024 Despite my efforts to resolve this issue directly with IC Systems XXXX XXXX, the collection account remains on my credit report, causing significant harm to my XXXX XXXX and financial standing. Under the Fair Credit Reporting Act ( FCRA ), I understand that I have the right to dispute inaccurate information, and that creditors are required to provide verifiable proof of any debt they report. As there has been no such proof provided, I am requesting that this account be removed from my credit report immediately. 

I would greatly appreciate your assistance in investigating this matter and ensuring that my rights are protected under the FCRA.
Product: Debt collection

Received my credit report in the mail and noticed a new collections account added from a company I had never heard of called CFSI. I received notice from them regarding a debt 2 months ago. I immediately sent them a dispute and verification letter 3 weeks before the 30 days were up to dispose, asking for any contracts signed, proof of the statue of limitations, and proof that this debt belonged to me. Afterwards, I never received any other correspondence from them to verify this alleged debt. The next notification I received was it appearing on my credit report. I have not received any services from this company. This alleged debt was added without notification to me and no right was given to dispute it. Not only did they not allow me to verify this debt, this debt does not belong to me.
Product: Checking or savings account

I received a certified letter from my banking institution UMPQUA BANK on XX/XX/2019 Stating they were closing my checking & savings accounts with no explanation as to why on the letter. I contacted my branch manager XXXX XXXX to find out why. She said she didn't know But had received a notification the previous day that they were closing my accounts. I asked her to please find out what was going on. She informed me it had to do with being Associated with the XXXX industry! I have never been involved with this industry!! 
I sell XXXX XXXX and have been a XXXX XXXX for the last 20 years. I can GUARANTTE you I have nothing to do with the XXXX industry. I believe they have the WRONG PERSON!
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One is reporting erroneous late 's on my credit file. They are reporting late 's for XX/XX/19 and XX/XX/19, my payments are set up to be auto drafted. They failed to draft the payments for these months and also failed to notify me until a couple months later. When I called to see why my account was delinquent they noticed it was an error on their end and refunded me the late fee 's and interest charges. I was not late on my account, Capital One should of drafted my payments and they awknodlge this error. I'm not sure why they refuse to remove the erroneous late 's but I really need them off of my credit file as I was never late and have never been late on my Capital One accounts. I will attach the statement 's where you can see the late fee 's and interest were refunded.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally request the deletion of certain remarks from my credit report maintained by your agency, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e . 

It has come to my attenion that there are inaccurate and damaging remarks on my credit report, which have adversely affected my creditworthiness and financial standing. These remarks are [ describe the remarks in detail, including any inaccuracies or misleading information ]. 

I would like to emphasize that these remarks are not only incorrect but also violate the provisions outlined in 15 USC 1681e of the FCRA, which requres consumer reporting agencies to maintain reasonable procedures to ensure maximum possible accuracy of the information in consumer reports. 

Furthermore, I am exploring legal options to address this matter, including the initiation of a lawsuit if necessary. Please consider this letter as formal notice of my intent to pursue legal action if the inaccurate remarks are not promptly removed from my credit report. 

I kindly request that you investigate this matter promptly and provide me with written confirmation of the deletion of the inaccurate remarks from my credit report within [ specify a reasonable timeframe, such as XXXX days ] from the date of this letter. 

Failure to comply with this request will leave me with no choice but to take further legal action to protect my rights under the FCRA. 

account-XXXX XXXX XXXX Update status on dates followed to current status. 

Dates : XXXX Thank you for your prompt attention to this matter. I look forward to receiving confirmation of the deletion of the inaccurate remarks from my credit report.
Product: Credit card

I live in an area affected by XXXX in XX/XX/XXXX. Although my own home thankfully suffered only minor damage as a result of the storm, our entire region experienced hardship for weeks and months afterwards, including roads blocked in many places by fallen trees, power outages, lost work and business, gasoline shortages, cancelled school and school buses, and more. As you can imagine, this had significant effects on my personal finances at the time. Due to a combination of personal hardships we were already delinquent on this and other accounts at the time, and we now struggled even more with our credit card payments. 

( It took us several months to get back on our feet but when Bank of America offered a settlement in the XX/XX/XXXX we stretched ourselves and neglected other bills to make the sizeable installment payments and close out this debt. ) Bank of America reached out to us shortly after XXXX offering special payment accommodations and fee waivers for customers in affected areas for several months ; however, Bank of America is now reporting delinquencies to the credit bureaus for the months after XXXX. 

In addition, the total balance that Bank of America is reporting for this account includes late fees and other charges that were improperly assessed in the period following XXXX.
Product: Checking or savings account

I received a paper statement from UMB associated with my HSA Account that is arranged with UMB through my employer. UMB does not disclose to its customers that it charges a {$1.00} paper statement fee. Additionally, on its Statement, UMB provides no phone number or website address for customers to gain information about one 's account. This is curious because there is a section on the statement that states, " In case of errors or questions about your electronic transactions, please call us or write us at the phone number or address shown on this statement as soon as you can. '' I found UMB 's contact information through a web search. There is no information readily accessible for users who seek to understand more about the paper statement fee on UMB 's website. One must first enroll in online banking and then dig deep to gain information about the paper statement fee ; a user has to go to a page of " Frequently Asked Questions '' to find out information. The fee is not disclosed anywhere else. I see this as a violation of Regulations DD and E and potentially of Section 5 of the Federal Trade Commission Act and components of Dodd-Frank that address Unfair or Deceptive Acts, Abuses, or Practices. I can readily afford the {$1.00} they charged me for paper statements, as I am sure most depositors can ( who have an HSA Account ), and I believe this is precisely why UMB is clever about their fee assessment practices. They should refund all customers this fee that they have charged without disclosure or explicit instructions as to how one goes about avoiding the fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One Auto is reporting late notations on my credit file for the year of 2020. Due to Covid and the events that unfolded I suffered financially. Towards the beginning of the year when they began to implement all this stuff for Covid my employer wanted to be safe and ended up cutting business hours, and cutting everyone 's hours for that matter. During this time, I ended up contracting Covid and was out of work for 2 weeks and it set me back even further. I am asking that Capital One Auto makes a one time good will adjustment for my 2020 lates. It was a very difficult year but I hope that these lates being removed will help me moving forward.
Product: Debt collection

On XXXX XXXX Franklin Collection Services received a debt verification letter from me to verify the debt they are reporting and they could not provide it. I have never used services with XXXX XXXX XXXX and all they sent me is a bill from them saying I owe them {$79.00} According to the FAIR CREDIT REPORTING ACT Section 609 Disclosures to consumers ( a ) ( 1 ) ( A ), they are required by Federal Law to verify through the physical verification of the ORIGINAL SIGNED CERTIFIED CONSUMER CONTRACT of any and all accounts you request to be posted and or reported on a credit report. And I hereby demand to see a copy of the validated Proof ... They have til XX/XX/2020 to verify the debt or it should be removed from all credit reporting agencies
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act Capital One credit card account Numbers ending in # XXXX and # XXXX has violated my rights. 

15 USC 1681 SECTION 602 states that I have right to privacy.

15 USC 1681 SECTION 604 A SECTION 2 : also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding XXXX XXXX XXXX XXXXXXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts I have marked as inaccurate : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( CLOSED ) XXXX Date opened XXXX XXXX XXXX XXXX XXXX LOAN ( CLOSED ) XXXX Date opened XXXX XXXXXXXX XXXX XXXX XXXX  LOAN ( CLOSED ) XXXX Date opened XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ( CLOSED ) XXXX Date opened XXXX XXXX XXXX XXXX XXXX XXXX ( CLOSED ) XXXX Date opened XXXX XXXX XXXX XXXX XXXX LOAN ( CLOSED ) XXXX Date opened XX/XX/year>XXXX XXXX XXXX XXXX XXXX ( CLOSED ) XXXX Date opened XXXX XXXX XXXX XXXX XXXX XXXX ( CLOSED ) XXXX Date opened XXXX XXXX XXXX XXXX XXXX XXXX ( CLOSED ) XXXX Date opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXLOSED ) XXXX Date opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXSED ) XXXX Date opened XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XX/XX/XXXXXXXX
Product: Credit card or prepaid card

In XXXX of 2022 I purchased an annual subscription to XXXX via XXXX XXXX. On XX/XX/XXXX my account was compromised due to fraud and I was locked out of the service. Neither XXXX nor XXXX was able to resolve access so XXXX told me to cancel my subscription which I did. I requested a refund for the pro-rata of the remaining ~9 months which I had paid for, approximately {$70.00}. XXXX advised me that my annual subscription purchase was outside their 60-day refund window and refused to refund anything. 

The issue is that XXXX encouraged me to sign-up for an annual subscription vs. monthly by providing a better rate. I had a good-faith expectation that XXXX, through it's subscription service, would be able to provide me access through the term of my subscription. XXXX failed to provide that service and hides behind the 60-day refund policy. That's unacceptable to me. 

I've filled out all of the surveys and escalated to Apple Card, the credit card arm of XXXX. I've escalated to their senior advisors and they even agree that I'm right, but are unable to do anything, so I ask that the CFPB look into this practice for the countless other people that may have had the same issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

The lender is not posting to the credit bureau my 4 consecutive payment. 
The credit bureau still saying that no payment has been made. 

XXXX XXXX XXXX XXXX XXXX Account # : XXXX Account ID : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX ofXX/XX/XXXXI have filed a notice with XX/XX/XXXX, Equifax, and XX/XX/XXXX for removal of all old credit cards reporting as charged off from bankruptcy. Which is illegal to report after bankruptcy in my credit report. Which most of the credit bureaus move it " closed account '' but not removed it from my credit report. I have sent another letter to remove but no response from any of the credit bureaus with this matter. 

On XXXX of XX/XX/XXXX I have sent a request to each of the 3 credit bureaus for verification to bankruptcy reporting in my credit reports. Due to Covid-19, I have intentionally waited 6 weeks before sending complaint to CFPB with no response from any of the credit bureaus. 

When I received the response letters from XX/XX/2020 CFPB, I was to call to obtain the status of response from the bureaus and when I was online waiting for almost an hour, I was told that I could NOT get the update from credit bureaus because I needed to be identified! Clearly this is delay tactic when there has been communication prior to from all credit bureaus issuing a file number and referring as the subject matter prior to now needing verifications to my identity. 

I can name number of Fair Credit Reporting Act violation with this matter and I need this matter resolved! If all credit bureaus can not supply the verification to bankruptcy in my credit report in timely manner as detailed in several laws, including but not limited to the Fair Credit Reporting Act, I must immediately demand the permanent removal of this item from my credit report.
Product: Money transfer, virtual currency, or money service

I used MoneyGram app to send {$100.00} plus {$.00} fee to send some money to overseas on XX/XX/2021. They had the option listed to send the money directly to their bank account. My recipient to this date never received the funds. I made multiple inquiries to get a resolution on this issue and started a complaint which they opened a case on XX/XX/XXXX. XXXX Finally they emailed me on my case on XX/XX/2021 stating the Money was transferred to the recipient 's account with delays but it is NOT in their account to this day. I called them and wanted to talk to a supervisor and they advised me to reply to the email instead of calling here. I did respond to the email again on that day and havent heard anything again. The resolution they had was since it was transferred with delays they will reimburse me the XXXX cent but I had to go to a physical MoneyGram location and fill out paperwork just for the XXXX cent but no solid evidence to support the money was in fact transferred to my recipient. 

Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigated and deleted for erroneous reporting in my file and are listed on my credit report : 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 or other personal consumer reports

Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Removal, Blocking, and Deletion of Items Under 15 U.S.C. 1681 To Whom It May Concern, I am writing regarding my status as a victim of the Equifax data breach, which compromised my personal information. Under 15 U.S.C. 1681 ( Fair Credit Reporting Act ), I am formally requesting that all inaccurate, unauthorized, or fraudulent information resulting from this breach be removed, blocked, and permanently deleted from my credit file immediately.

As the custodian of my credit report, Equifax has a legal obligation to ensure that my report is accurate, complete, and verifiable. The data breach compromised the integrity of your credit reporting, and I believe certain items in my credit file may have been affected. Pursuant to the Fair Credit Reporting Act, I am asserting my rights to : -Have fraudulent or unauthorized items removed. 
-Block inaccurate information resulting from identity theft or fraud. 
-Verify all items appearing on my credit report to ensure they are accurate and legally reportable. 

I am requesting that you : -Conduct a thorough investigation into my credit report to identify any inaccuracies or fraudulent entries. 
-Remove and permanently delete any unverifiable or inaccurate information that violates the Fair Credit Reporting Act. 
-Notify me in writing once the requested actions have been completed. 

To assist you in processing my request, I have enclosed the following documentation : XXXX copy of my government-issued ID ( e.g., drivers license or passport ).

-A copy of a utility bill or other document proving my current address.

-Any additional documentation that may assist in verifying my identity.

Please respond to this letter within the time frame prescribed by the Fair Credit Reporting Act. I expect confirmation that my request has been processed, including a copy of my updated credit report, once the changes have been made. 

Failure to comply with my request or to provide adequate verification of disputed information will leave me no choice but to escalate the matter to the Consumer Financial Protection Bureau ( CFPB ) and seek all available remedies under the law. 

Thank you for your prompt attention to this matter. I look forward to your written response confirming the actions you have taken. 

Sincerely, XXXX XXXX XXXX [ Enclosures : Copies of ID, SSN CARD, FTC REPORT ]
Product: Checking or savings account

hello the closure of my account was XX/XX/2016 amount {$2800.00}. I applied for a XXXX job on a website called XXXX due to my divorce. So I started telemarketing I did an online orientation for 2 days and my first check was like {$200.00} and that check was fine it cleared. The at home telemarketing job allowed the person to work unlimited hours so being I was behind on my bill I worked almost XXXX overtime along with my XXXX regular pay and I filled out a direct deposit form but my 2 day check and my XXXX regular pay check came via XXXX and the direct deposit would probably start the XXXX check I was told. Well I deposited my XXXX check for {$2800.00} and the telemarketing company or the person behind it took not only the {$2800.00} out of my account but also almost {$1000.00} the money for my bills out of my account I was broke well past broke at this point. I went to the XXXX police department and after explaining everything to the detective and showing him what little evidence I had he gave me the news I was scammed. I informed XXXX XXXX of what the officer told me and the bank manager was suppose to call me but never did. I went to the bank about 4-5 times. I called their corporate office trying to reach the right person to help and next thing I know I see it says suspected of fraud activity. I can't explain how I felt when I read that. Is every person that is scammed or conned by someone in a different country that the BBB talks about considered a fraud? The bank maybe a victim but I am a victim also and it's almost 3 years later and I'm still having problems with this issue.