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

Where do I begin with this Company. First let me say within the past 2 years I've deposited almost XXXX in wages to my account. Every single time I have a problem they make it even worse and even more stressful. I recently called to file a dispute for a copious of unauthorized charges made on my card. Today XX/XX/2022 I called customer service 4 times back to back to get a tracking number for my card which I paid to be shipped overnight, just to be hung up on. With no returned phone call. They ask for a callback number each time you call. For what?! All 4 reps did the same thing hung up and didn't bother calling back! These calls are supposed to be recorded, correct? I hope ADP by Wisely check on their customer service reps because they are extremely unprofessional and rude. I don't know where my card is and I have bills to pay. At this point I feel betrayed by this company. Let me say it again almost XXXX in wages in the pass 2 years. I'm considering closing my account and having my paychecks sent to my regular everyday checking account my main bank would've been rectify this issue. I cant pay for groceries, bills, gas, etc because of this dispute and waiting on my card. Today XX/XX/2022 I will be filling out and sending the statement of fraud back in for my dispute. Which ADP by Wisely should receive by XXXX XXXX no later than XX/XX/2022. There are 2 options to send in the form email and mailing it in. I will be mailing it in using XXXX XXXX with proof of delivery simply because I don't trust this company customer service. This is an extra cost that I have to come out of my savings to pay for because I have yet to receive my card with over XXXX in wages on there. I have almost XXXX in unauthorized charges on my card. Who knows when and if I will ever see that money again. I was told the dispute investigation could take up to 90 days! I asked how about provisional credit as my other bank would've gladly provided given the situation and banking history with them. I was told they cant provide provisional credit as this is a " prepaid card ''. I don't know if these customer service reps make up their own rules or if this is indeed factual. Been with ADP for about 3 years because my employer uses them for paycheck deposit. I think I will soon be severing my relationship with this bank. I'm tired of the nonchalant attitudes and condescending tones when I call in with an issue. They are unprofessional, unorganized, rude, and unsympathetic. If possible stay away from this company because they do not treat their customers like valued customers. No matter how much money deposited to ADP by Wisely card, seems like all their customers are just another number to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$7400.00}, {$20000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT -- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7400.00} -This is not my account. 

-- COLLECTION ACCOUNT -- 2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$20000.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit reports generated by XXXX and Equifax on XX/XX/XXXX, display different information provided by the original claimed creditor, XXXX XXXX XXXX XXXX XXXX No : XXXX clearly suggest conflicting informations of 1.High balance and 2. Last activity which are inaccurate. Therefore, this item must be deleted as per Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681x. The discrepancies appeared among credit bureaus are listed below. 
Name XXXX Equifax High balance {$0.00} $ XXXX Last activity XX/XX/XXXX XX/XX/XXXX - Credit reports of the three bureaus are enclosed.

My consumer report is valuable to me. The willful non-compliance is a violation of section 1681n of the Fair Credit Reporting Act. Therefore, this item must be DELETED.
Product: Credit card or prepaid card

I have two capital one credit cards and one is a XXXX card and I am the kind of person where if I charge something on my card its usually paid off within the next week or so I paid off right away before I even get the bill. I had one return payment by accident because I entered the wrong bank account one that I had stored on my telephone that have been closed and I called them right away and rendered the situation and made the payment again and it cleared immediately and they have put a 26 day hold on 250+ dollars. The funds cleared my bank immediately and they have just had my money now for almost 26 days and I had a medical emergency this morning and they would not release the funds for a life-threatening event and they have clearly had my funds for almost a month. Not one person at that bank can tell me why they held my funds and theyre holding my funds and theres more than 250 theres several payments behind small ones because I just kept paying on this card to show loyalty and that Im a good you know, citizen who pays their bills. I was in a almost tragic head-on collision a year ago XX/XX/XXXX, and my all my accounts were very inactive for many months because I had to learn how to walk and talk and live again and when I was able to finally get someone to help me I had them call into all my banks all my accounts of them know that everything was it zero, but they started punishing me for an active activity and then punishing me when I started using it another punishing me for paying it off. How is it legal for them to hold my funds for that many days? Ive heard of three or four day holds but a 26 day hold on {$250.00} it cleared the bank immediately and went to their bank and they just can hold onto my money I consider that theft. And when I needed it for a medical emergency it was life or death and they would rather hold {$250.00} rather than help save somebodys life. There was no compassion there was no professionalism they were pretty brutal and I dont understand it. I want them to be held responsible for their actions and for the trouble they have endured me today with getting medical attention and the fear that I live in this very moment.
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in months that are reported late to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX, XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Vehicle loan or lease

Car loan on my credit. The car was repo 'd and sold for over $ XXXX with over $ XXXX.
Product: Credit reporting or other personal consumer reports

trying to buy a house and realize that I had some damages on my credit report. I have disputed this several times with XXXX, Equifax and XXXX, with no avail. according to the 15 USC 1681 law there should not be any damages on my credit report. XXXX has a XXXX XXXX collections account listed twice with the same account number, but two different amounts with two different open dates. How is that possible? one amount is for {$5600.00} with an open date of XX/XX/2019 and the other is for {$1300.00} with an open date of XX/XX/2019. Equifax has only one listed with is {$5600.00} with an open dated of XX/XX/2019. XXXX does not list the unverified debt at all. This is a violation of the 15 US code 1681i ( 5 ). Removal of inaccurate and unvalidated information. XXXX has deleted these accounts.
Product: Credit card or prepaid card

I have a Rewards Mastercard issued by HSBC Bank. On XX/XX/XXXX, I redeemed 20,000 points that I had accumulated as rewards for two ( 2 ) {$100.00} XXXX gift cards. My redemption request was acknowledged in an email from HSBC. After 6 weeks of waiting, I contacted HSBC and ( after about 45 minutes waiting ) I was told that my inquiry was being forwarded to their rewards division and that I would be notified by email when my gift cards were being mailed. As of this date ( XX/XX/XXXX ), I have neither received the gift cards nor have been told when to expect to receive the gift cards.
Product: Credit reporting or other personal consumer reports

Received a copy of my credit report and would like to request an investigation on the following accounts : Account Name : Nelnet Account Number : Please verify the completeness and accuracy of this account : Account Name : Nelnet Account Number : I was never late paying on this account. This account was paid on time and in full. Balance should be {$0.00} Please ensure all aspects of these accounts are reported 100 % accurately and completely.

I'm afraid these three credit reporting agencies have not been exercise their grave responsibility that was given to them impartiality. 

Also, this company does not have my permissible purpose to identify this on my credit report. Please update the errors, then delete from my credit profile. 
Attached to this is a copy of my personal identification information. Please also mail me an updated copy of my credit report upon completion of this investigation.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed XXXX {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Bankruptcy XXXX Date Filed/Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I was shocked once I viewed my XXXX XXXX and XXXX credit reports and discovered that I was reported as having a late payment on the date below : 30 days past due XXXX and XXXX XXXX I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this occurred, I believe that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it was n't recorded on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a Experian & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT be furnisher people 's information to 3rd party companies so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.
Product: Checking or savings account

I am writing to formally address the ongoing payroll deposit issues with Capital One, which have directly impacted me. My paycheck, scheduled for deposit on XXXX XXXX, XXXX, was not in my account as expected. When I checked at approximately XXXX XXXX, there was no deposit notification email. I waited until XXXXXXXX XXXX before calling Capital One, where I was informed that a technical error was causing the delay but that my deposit should be reflected by the end of the day. 

However, by XXXXXXXX XXXX, my deposit had still not arrived, so I called again. I was reassured that the issue would be resolved and the funds would appear in my account by the morning of XXXX XXXX, XXXX. Despite these assurances, when I checked this morning, the deposit was still not there. 

I called Capital One again at XXXXXXXX XXXX, and after waiting until XXXX XXXX I finally reached a representative. Their response was dismissive, advising me to wait a few hours. I requested to speak with a manager, explained my frustration with the previous representative, and asked for a clear update from the team working on this technical issue. Instead, I was met with vague statements about the ongoing problem. At one point, the representative appeared to have muted the call or left the line entirely, failing to return. 

It is unacceptable for a financial institution to delay payroll deposits for over 24 hours without implementing a workaround. Many individuals in our country live paycheck to paycheck, and this delay has caused significant hardship and stress. A timely resolution should have been prioritized, and clearer communication from Capital One is necessary.

When I mentioned out loud in the dead space of the open phone line that I planned to file a complaint with the Consumer Financial Protection Bureau, the call was promptly disconnected.
Product: Credit reporting or other personal consumer reports

In XX/XX/year>, I submitted a formal dispute to the credit reporting agencies regarding several inaccuracies on my credit report, including accounts that do not belong to me and unauthorized inquiries. On XX/XX/year>, I received a response from them notifying me that most disputed items remained on my report, despite my request for verification under the Fair Credit Reporting Act ( FCRA ) requirements. The response did not provide the " method of verification '' ( MOV ) for these items, as required under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), which mandates that XXXX explain how it verified the disputed information and from whom. 

I continued to request proper validation of the disputed items, citing my rights under the FCRA. However, the reporting agenices have yet to fulfill my request for the MOV, nor has it provided documentation proving the accuracy of the disputed accounts and inquiries. To this date, XXXX has not removed the inaccurate information from my credit report, which continues to impact my creditworthiness. 

In summary : XX/XX/year> : Original dispute submitted to the credit reporting agencies. 
XX/XX/year> : Agencies notified me that the disputed items remained, without providing the required MOV. 
Follow-up requests for proper verification and removal of unverified items have gone unanswered. 
I am seeking assistance from the CFPB to hold XXXX, XXXX, and Transunion accountable to FCRA requirements, ensure the disputed items are thoroughly investigated, and, if unverified, removed from my report.
Product: Credit card

On   XXXX   XXXX   XXXX     I made a payment to Synchrony Bank on  my HH Gregg credi t card for  XXXX . This was to include my   XXXX   payment, late fee and payment for   XXXX  . On   XXXX   XXXX  , it was explained to me that my  XXXX  payment was now late because I paid it too early in  XXXX  ; I was told I should have waited until after the  XXXX  to make this payment. Now I am being charged a late fee for   XXXX  . As a consumer I have never been given an explanation as to how early I can make a payment for the next month. Now I have to pay a late fee on a payment I thought was already made. I do not feel this is fair to me as a consumer.
Product: Debt collection

I contacted Affirm in XXXX of 2022 because I received emails about an account that I did not set up or authorize. I also mentioned to Affirm that the account was fraudulent and no payments were ever made or received from any credit cards or bank cards or bank accounts associated with my name. They didnt resolve the matter & told me I was responsible although I never made any payments on the account, as I couldnt because I never made the account. I explained that the affirm account isnt linked to any of my bank cards as a method of payment so I dont understand how a victim of identity theft is responsible for the payments.
Product: Credit reporting or other personal consumer reports

My personal Information was exposed data breach. My information was exposed to identity theft resulting in several accounts of fraud on my report. I sent dispute letters to EXPERIAN, XXXX AND XXXX to dispute and remove these accounts. I made a fraud report with the FTC for fraud and or identity theft.I am disputing the accuracy of the reported item under Section 605B of the Fair Credit Reporting Act. According to this section, negative information such as XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and a XXXX XXXX XXXX  could not remain on my credit report beyond seven years from the date of the event. The item in question is either outdated or inaccurately reported. Please investigate and remove this information from my credit report, as it no longer meets the legal reporting requirements under FCRA Section 605B.
Product: Credit reporting

Trying to get a judgement/tax lien off my report, it has been satisfied/paid off and is preventing me from getting loans and credit in my name.
Product: Debt or credit management

Unfortunately Wells Fargo continues to play these vindictive games. Because in relation to the several hearings that has been scheduled in order to get the final rear balance resolved they play these games and bails out at the last minute. Now theyre claiming as you can see in the attachment that they agreeing to a Loan Modification. Well I submitted the modification documents to my attorney and I advised him that my XXXX XXXX XXXX XXXX needed to sign and submit the necessary documents. Pathetically now all of a sudden the modification has been objected. However it wasnt on my neglect because I submitted everything. And now Wells Fargo is claiming that they did not receive the {$770.00} XX/XX/year> payment towards the mortgage. These bunch of XXXX ( minority ) hating XXXX needs to stop their games. My late mothers prayer was for me to keep this property. And if Im out of Foreclosure then why do these XXXX still has my home on the Sheriffs Sale list? Sadly I was sold out by a former Real Estate Attorney by the name of XXXX XXXX to whom has an account with Wells Fargo and now has XXXX. However Wells Fargo worked with them to XXXX me over
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to XXXX, XXXX and TransUnion on XX/XX/2021 regarding inaccurate unverifiable items on my credit report. It has been over XXXX days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed.
Product: Credit card or prepaid card

We purchased a ticket through XXXX using their XXXX XXXX XXXX credit card. We had to cancel the ticket and submitted the necessary paperwork to get a full refund. We were told at first that it would take 4-5 business days to resolve. After a week we contacted customer service and were told that it would take 6-8 weeks to get a refund. In the meantime we would be obligated to pay the full price for a ticket that was never used. We contacted XXXX XXXX XXXX ( Barclays ) to dispute the charge and faxed paperwork to them multiple times. They never called or acknowledged that they even received any faxes. Want them to put this charge in dispute until this matter is resolved with XXXX.
Product: Debt collection

I have received information regarding a debt that is being claimed against me. Through my rights due to 15 U.S. Code s1692, I hold the right to verify the total debt amount, including any fees, and who the original party that is making the claim. After receiving such information I will review and respond within 30 days period allotted me under federal law.

If it is no evidence of this debt under my name then I demand it be gone or a compliant will be made to the local and federal agency.

Furthermore, I request that you cease and desist any future telephone communication shall be considered harassment in violation of 15 U.S. Code s1692 and shall be subject to federal and state penalties. 
I appreciate your efforts in this matter and look forward to your response.