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

On XX/XX/2023 I called into NC State Employee Credit Union at about XXXX XXXX to order a new debit card because I had lost my debit card. I had to wait about 7 to 10 days to receive my new debit so I didn't receive it until about XXXX XXXX. On XX/XX/2023 fraudulent chargers came through my account that total {$320.00}. I immediately called the bank and spoke with someone and ask how did this happen. I was told that my old debit card was not cancel out properly and My old card was link to my new debit card. I just got this new card so I had even use it so I was very frustrated that I have to deal with someone else mistake by disputing the charges and waiting 10 days for the bank to investigate all because of their mistake. This was not fair to me. I asked to speak with a supervisor and the lady decline. 

Checking Account PROBLEM : Unauthorized Transactions
Product: Money transfer, virtual currency, or money service

I used Zelle to send {$200.00} the payment failed twice the XXXX time it processed and went through however the recipient was unable to receive the payment and their bank sent the payment back to me. They provide proof it was sent back via Zelle however Zelle shows the payment is pending on their app. I was advised by Zelle XXXX days ago that it would only take XXXX business day max before it would be sent back to my bank account. XXXX days later my bank have no records of the refund and can not access the payment cancel it or anything because it shows it completed through Zelle. Zelle keep saying the payment completed and was sent to the recipient however on their app it shows pending. No one knows where my money is and they are not acknowledging their app has been showing my payment as pending since XX/XX/25. The payment is stuck in limbo somewhere and Zelle is the reason and they are only saying the payment completed. I have proof that XXXXXXXX XXXX sent the payment back to my Zelle and that my bank has not received any funds from Zelle. Its XXXX months later and Zelle just charged my card again for this same transaction causing me to have an overdraft and I keep getting the run around about me being scammed again
Product: Money transfer, virtual currency, or money service

I tried to send money through cash app, but cash app refused payment. And I still haven't received my refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have s few credit cards for emergency use. I am a responsible credit card user. But, when ever I use my credit card, Transunion & XXXX reduce my credit score by a few points. My question is : We get credit cards to be able to use them and if we get penalized by using credit cards, then what is the purpose of using the cards? Also, why is it not disclosed by the credit card companies that we will be penalized if we use their credit cards?
Product: Debt collection

XX/XX/20 - one phone call XX/XX/20 - one phone call and message XX/XX/20 - one phone call and message XX/XX/20 - two calls and messages XX/XX/20 - several calls. Answered once, told person NOT to call again. Hung up. She called 5 times in a matter of three minutes. Then called me again a half an hour later. The company has been calling my job several times over the past couple of weeks. They have been told before, about a year ago, to NOT call this number. They told me that they had removed the number from their records. Obviously they had not. 

When I called them after work today, I talked to one person who told me she had removed the number from my account. I was then transferred to a supervisor who then told me he saw the number and HE would remove the number from my account. It's apparent that they do not remove numbers from the accounts. I expect I will get a call from them again.
Product: Payday loan, title loan, or personal loan

I have tried to resolve this debt but was advised that this is now with their attorneys thats threatening wage garnishment and over {$500.00} in fees. I just started hearing from this company that I got a loan from in XXXX a couple of months ago and Im not left with any options and an enormous fee from lawyers. I also am requesting the account summary for the entire loan
Product: Credit reporting, credit repair services, or other personal consumer reports

YOU BROKE THE LAW!!! 


This letter is to inform you that I recently received a copy of my consumer report that your company publishes and after reviewing it, I found a number of items on my consumer report that are inaccurate. The accounts in questioned are listed below. Please send me copies of the documents that you have in your files as of this date that you used to alleged verify the accuracy of the accounts listed on my Consumer Report. 

Under the Fair Credit Reporting Act, 15 U.S.C. *1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my consumer report file. Please do not respond to my request by saying that these accounts have been verified, because I do not have the documentation that you claim to have used to verify the accuracy of the accounts in question. Send me copies of the documents that contains my hand written signature acknowledging the below listed accounts. If you do not have any documentation in your files of these now disputed accounts, then you need to delete them immediately as required under section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my consumer report and distributing them to third parties you are damaging my reputation and credit worthiness. You are furnishing consumer information on an account where you infringed upon my rights pertaining to privacy. According to 15USC 1681 the Transaction was private and was solely between the person and myself.

Under the FCRA 15 U.S.C*1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you will remove these accounts from my consumer report. 
You need to provide me with a copy of an updated and corrected copy of my consumer report showing these items were removed, I demand the following remove all the credit inquires not attached to verified accounts. I did not authorize anyone to run my credit. 

According to Burden of Proof Under the Fair Credit Reporting Act, 15 U.S.C.1681e ( b ) ) requires that a credit reporting agency follow " reasonable procedures '' to ensure maximum accuracy in credit reports. It is a matter of National security when a consumer who is apart of the Country 's XXXX XXXX privacy is violated and or breached.
Product: Debt collection

At XXXX a message was left by a female who said her name was XXXX from LJ Ross and Associates. There was no mention of who the call was for or what the nature of the call was.
Product: Credit card or prepaid card

XXXX XXXX I went to check my XXXX score, only to discover that it was lower than usual. It is VERY low as of today, XXXX XXXX, XXXX. 
I found out that I was still linked to a XXXX account that my ex-husband opened as the primary holder with me as the joint member in XXXX. This card looked like a regular Costco card & could only be used for purchases at Costco. I was n't aware that it was backed by Capital One. 
Twenty years later, after I divorced in XXXX, I opened my own account with XXXX. The representatives at XXXX assured me several times that I had no attachment or responsibility for my old joint account. No one informed me, as I 've subsequently been informed by XXXX XXXX, that I needed to have contacted my ex-husband to have him terminate the joint account. Huh?! Are they kidding?! How was I supposed to have known this? No one ever informed me of this at Costco. Costco should have advised me & my ex-husband that we BOTH needed to open new accounts after the divorce. The joint account should have been terminated by them, or, at the very least, they needed to have informed Capital One of the divorce & to take me off the account. ( Which Cap One has told me is impossible! ) This was a major oversight by Costco that is having horrible consequences to my credit. Cap One told me in one conversation that since my name was on the original joint account as co-owner, I 'm responsible for the unpaid debt of some {$5200.00}. Talking, pleading, yelling with Cap One lead nowhere. I 'm caught up in a true " Catch 22 ''. They refuse to budge off their position. 
It is impossible for me to have run up a bill on that account. I do not have a viable card. When I opened my new account with Costco in XXXX XXXX, I could no longer use my old card. In fact, when I used it by mistake just after I received my new Costco card & not having yet destroyed the joint card, the old joint card did not work for me. I gave it to a Costco rep who shredded it. 
Early in XXXX I acquired an XXXX XXXX card linked to Costco in my name only. I 've used that & a subsequent XXXX ( also linked to Costco ) & my debit card almost exclusively for purchases at Costco since XXXX. I also have not seen or paid that bill for years. My ex-husband was responsible for handling that bill. We kept our finances separate for the most part. 
I pay all my bills automatically every month. That I am being adversely affected due to my ignorance & not having been advised well by Costco is an injustice to me that needs to be corrected by Capital One. They need to expunge from my credit history the debt that is not mine but my ex-husband 's. And take me off the joint account as of XXXX XXXX. 
Thank you.
Product: Credit reporting or other personal consumer reports

Following the Fair Credit Reporting Act, the unauthorized inquiry below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, the unauthorized inquiry below have violated my rights. 15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C1681c. ( 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 ) ( a ) 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. Please delete the unauthorized inquiry listed below : Creditor Name : XXXX XXXX, Date of inquiry : XXXX  Experian. 
Creditor Name : XXXX XXXX XXXX. Date of inquiry : XXXX  Experian. Creditor Name : XXXX XXXX XXXX XXXX Date of inquiry : XXXX, Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX, I am writing to dispute the fraudulent accounts that have been reported on my credit report. I have never applied for any of the accounts listed. In addition, I have not authorized any person or company to access my credit report. These accounts are inaccurate fraudulent information and has hurt me the previous few months in obtaining housing and business funding. 
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 an account without my written instructions. According to the law U.S. Code 1681i- Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30 day period beginning on the date in which the agency receives the notice of the dispute from the consumer or reseller. 

I request that you investigate and remove any fraudulent inaccurate accounts from my credit report immediately. Please provide me with written confirmation that this issue is resolved. 
XXXX XXXX  XXXX Account # XXXX Date Opened XX/XX/2022, Balance due {$830.00}. 

XXXX Account # XXXX Date Opened XXXX XXXX Balance Due {$18000.00} This account is fraudulent and inaccurately reporting on my credit report. Under the fair credit reporting act this account is closed and past the 7-year statute of limitations and must be removed immediately. XXXX states that this company is not licensed or regulated to collect a debt in my state, Florida.
Product: Debt collection

XXXX XXXX XXXX is violating my rights under the FCRA by falsely/inaccurately reporting the First Date of Delinquency, failing to open an investigation when a dispute was failed, failure to respond for PROOF of FIRST DELINQUENCY. 

CPA has reported a First Date of Delinquency to XXXX and XXXX CRA 's as XX/XX/XXXX and NONE to XXXX. They report a DATE OPENED of XX/XX/XXXX - 7 days following their " reported '' FIRST DATE OF DELINQUENCY. 

The ACTUAL 1st DATE OF DELINQUENCY is XX/XX/XXXX and supporting documentation has been provided to ALL CRA 's and CPA yet all they do - IN LESS than 24 hours of filing dispute with CRA is VERIFY what they reported is ACCURATE. It is IMPOSSIBLE for an account to be 1st DATE OF DELINQUENCY and 7 days later be in collection this alone should warrant a REAL INVESTIGATION as I have established the account as being past due since XX/XX/XXXX. 

XX/XX/XXXX - Returned Payment to XXXX XXXX ( Original Creditor ) XX/XX/XXXX - LATE NOTICE / PAST DUE NOTICE from XXXX XXXX The latest dispute placed XX/XX/XXXX at XXXX - SUPPLIED with SUPPORTING DOCUMENTATION The latest VERIFIED from CPA to CRA XXXX XX/XX/XXXX - XXXX FCRA states when the account is assigned to a COLLECTION AGENCY ( CPA ) it is a continuation of the ORIGINAL DEBT - XXXX XXXX XXXX 

Companies - Credit Protections Assoc ( CPA ) CRA 's : XXXX - XXXX, XXXX - XXXX, XXXX - XXXX
Product: Credit card

Called Citi Bank to complain about a mix up on a payment, and they then reduced our credit line. While we are no longer using the card, I still do n't want my credit to show I 'm at my limit, and I asked them why they did it. They said it was information from XXXX I checked my credit report from XXXX, and I found no negative information. I called them back, and they told me the same thing again. I ca n't fight with XXXX because there 's nothing to fight about, and I ca n't fight with Citi Bank because they wo n't tell me what the problem is. I ca n't win.
Product: Mortgage

For at least 10 months, maybe longer now, I have not been able to get into my online account on a regular basis with Specialized Loan Servicing, my mortgage servicer. I do receive a paper statement, but my online account has had so many issues I can't even access it any longer. First my issues were that it told me it didn't recognize my SSN upon login to find my account/loan ( or my loan # if I used that ). Then it wouldn't recognize my password at all and I'd spend hours trying to reset it just to get the same notification. My most recent/current issue is that I can't even get past security questions because SLS tells me my first born son 's middle name is incorrect - sorry, but I didn't forget. 

Due to how I'm being paid and the XXXX young children I have at home, I don't have the ability to pay before the XXXX of every month. With prior loan servicers I could set my own due date when I on-boarded into their system. SLS does not provide this option. The first check I receive each month goes to my daycare. I can't afford to pay both daycare and my mortgage in one check. I get that this issue is mine and not my servicer 's, but that's the position I'm put in and I can't help it either. 

I have had to call their company every single month for nearly a year to pay over the phone or see if my online payment ( on the off-chance I could get into my account ) went through. I think that happened a total of 3 times in the last year, if that. I have spent countless hours on the phone with SLS to try and resolve this issue and/or pay them my mortgage trying to avoid the issues I repeatedly encounter. Since I can only talk to someone during the day, I'm doing all of this during my business hours. If I billed SLS for all the time I've spent on the phone with them during my business hours just to pay my bill or try to get into my account, they would owe me over {$600.00}. This doesn't even include any of the fees I've had to pay due to having no other option than pay over the phone ( {$12.00} each occurrence ) or due to late payments b/c I couldn't get out of work obligations in time to get my payment through by EOD on the XXXX. 

The fact that their company, in nearly a year, has done absolutely NOTHING proactively to fix this situation, even though I call EVERY SINGLE MONTH. Speaks volumes about who they are as a business. The fact that they don't care, so I end up paying them fees every month, speaks volumes. I have never in my life dealt with a more corrupt, fraudulent, absolutely amoral business EVER, in my entire life. Not to mention in all this time and between all the different representatives I've talked to, only TWO have had any sort of kindness or sympathy for the situation their employer is putting me through. 

I've had enough. There has got to be some sort of regulation that prohibits a servicer from continuing to profit off of their own inability to provide online account access. I can't take another phone call to SLS.
Product: Credit card or prepaid card

I have tried to purchase LED lights on XXXX and used my Vanilla Gift Card through XXXX. The charges were declined. However, Vanilla Card put a hold on {$41.00} and will not release it. After spending 40 minutes on the phone the only answer I was getting, I need to wait 8 days. This is not a refund but a declined transaction. Why are they holding my money for so long? At this point, I hope to get it back but after reading many complaints from other customers, I wouldn't be surprised if they come up with more excuses. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit bureau is in violation of FCRA act by taking longer than the allowed time to correct my credit report.
Product: Credit reporting or other personal consumer reports

Experian is reporting incorrect and inaccurate information. XXXX XXXX  XXXX XXXX should not be on my consumer report.
Product: Checking or savings account

Wells Fargo checking account first opened in XXXX in XXXX XXXXXXXX XXXX XXXXXXXX. Sole Owner of account without any authorized permission given to anyone else. Never signed up for online or mobile banking. 
Spouse, later removed XXXX XXXX XXXX, accessed account via Online Banking without Authorization or Knowlege. never receivedbank statements from bank. 
XX/XX/XXXX decided to utilize account only to learn of Fraudulent Activity and transactions which overdrafted account, and declined MY PAYMENTS to my XXXX XXXX credit card, and XXXX monthly pyt plan. 
acct opened in XXXX  opened using former address, and still active online banking profile. 
a Total of {$8000.00} was contuously transferred out of my account without knowledge of transactions, forged withdrawalslips/ALL THRU ONLINE BANKING. 
Reported to bank who insisted there were no online banking " accts '' existing. 
Still trying to recover stolen funds. 

XXXX XXXX, ss # XXXX is responsible perpeperator
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX - XX/XX/2024 The following inquiry was not authorized and should not be reporting XXXX  - XX/XX/2024 The following inquiry was not authorized and should not be reporting XXXX XXXX - XX/XX/2024 The following inquiry was not authorized and should not be reporting XXXX - XX/XX/2024 The following inquiry was not authorized and should not be reporting
Product: Credit reporting or other personal consumer reports

Experian, Equifax and transunion did not properly investigate 15 USC 1681i ( a ) 6 ( B ) 3 these accounts never got properly investigated also 15 USC 1681i ( a ) 1 says they have 30 days to respond and its been 78 days. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX please remove these accounts they aren't mines.
Product: Checking or savings account

On XX/XX/2023 i walked into a chase branch asking for a bank statement when i noticed my balance over XXXX XXXX dollars I instructed the teller that i was not aware of the balance being so high and if she could give me more details as to deposits. This teller not doing her job correctly immediately contacted Chase fraud department and placed my account on hold pending investigation. What Chase has done is illegal and wrong morally and physically. 
I asked a simple question at the bank and the inexperience of the teller has lead to the hold of over XXXX XXXX dollars. 
Chase initially instructed me that the funds would be on hold for 5 business days after which they would send me a cashiers check. 
After 5 business days had passed they placed an additional hold of several weeks not providing a timeframe of when my funds will be released.Which is totally unacceptable.

They have not provided a justifiable reason for this hold other then a inexperienced teller.
Product: Credit reporting or other personal consumer reports

i found these accounts on my credit report when i was trying to buy a vehicle and i was surprised cause i dont have any credit on my report i dont know where they came from 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. 15 U.S.C 1681 SECTION 604 A 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, other than records of convictions of crimes which have dates the reports by more than seven years.15 U.S.C.1681s-2 ( a ) ( 1 ) A PERSON SHALL NOT FURNISH ANY OIONFORMATION RELATING TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON knows or has reasonable cause to believe that the information in inaccurate please remove it from my 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 XXXXXX/XX/XXXX
Product: Debt collection

Portfolio Recovery has been told this debt is way beyond the collection time for the State of Michigan. They have been told both in written form and verbal form that this debt is beyond the 6 year statute of limitations set by the state. Yet they continue to call daily.
Product: Credit reporting or other personal consumer reports

I PULLED MY CREDIT REPORTS FROM CREDIT KARMA AND NOTICED 2 ACCOUNTS THAT WERE NOT MINE. I BELEIVE SOMEONE OPENED THESE ACCOUNTS WITHOUT MY PERMISSION .IM ONLY XXXX XXXX XXXX.
Product: Debt or credit management

XX/XX/2024 Subject : CFPB to take off negative score. To : Credit Union XXXX XXXX XXXX XXXX Early Warning Services Per the FCRA, as a federally protected consumer, I am now opting out of any or all authorization I the consumer may have given you written, unwritten, verbal, or non-verbal per 15USC 6802. Thank you.