23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

I lost my Ace Elite prepaid debit card on XXXX XXXX. On the same day, I contacted customer service at Netspend Corporation, the company that sponsors the card. I requested that the card be cancelled and that I receive a new one. I was told by the customer service representative that a new card was being sent and would arrive in 7-10 business days. When the card did not arrive on the tenth day, I placed another call to Netspend, informed them that my card never arrived. The customer service rep checked the address, and realized that the apartment number had been left off. The rep then promised to send another one in 7-10 days. I informed her that I had just waited ten days, and that I was not willing to wait another 7-10 days to receive my card. I asked if they would be willing to expedite the shipping of a new card. She said that they could do that, but that I would have to pay a fee of {$25.00} for express delivery. When I inquired if Netspend would be willing to cover the {$25.00} fee since I had given my apartment number with my original address, and that they had left it out, she checked with a supervisor and then said, yes, that she could do that, and that my card would arrive within two business days. When my debit card did not arrive within two business days, I called back and was told that it had been sent out on Monday and would arrive the next day. Later, I called back when I realized that it could not have been sent out on Monday, because Monday was XXXX XXXX XXXX XXXX, a national holiday. When I called back, I was told that my card would arrive today ( Thursday, XXXX XXXX ). I asked the rep when the card was sent. He said that he did n't know. I asked how then did he know that it would arrive today. He simply repeated, " It will arrive today, '' and offered to give me a tracking number. At that point, I asked to speak to a supervisor. He put me on hold for 30 minutes, at which point the call was disconnected. When I called back, I spoke to a woman named " XXXX '' ( I assume that this was a fake call center name ). I asked her if she could tell me : 1 ) when the card was sent ; 2 ) when it would arrive ; and 3 ) what is the tracking number number for the delivery. In contradiction to what I had just been told, she said that they do n't have any information about tracking numbers, and that my card would arrive in 7-10 business days. When I pointed out that I had been told that the card was being sent by 2-day XXXX, she simply repeated 7-10 business days. Once again, I asked to speak to a supervisor, she said that no supervisors were available. When I insisted that she get a supervisor, she said that she would look for a supervisor. She then kept me on the phone for 20 minutes, at which point the call was disconnected. My entire paycheck is deposited onto this card through direct deposit. It is now three weeks since I lost my debit card, and Netspend keeps giving me the run-around. I have had to borrow money from friends to cover daily expenses. I simply want a new debit card so that I can make daily purchases and handle my financial responsibilities.
Product: Checking or savings account

I made a mobile deposit on XX/XX/XXXX for {$1800.00} and was informed that funds will be available the next day. As indicated my funds were available. On XX/XX/XXXX I was informed that my account was overdrawn due a the check deposited is a duplicate. The representative couldn't tell me the exact date and time the check was deposited again. still have the original check in my possession nor has my employer received any notification of the duplicate check cased or received This is causing stress and XXXX because of a bank error, and someone maybe using my information. No one has responded to me yet to this error.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting for Account # XXXX To Whom It May Concern, I am writing to file a formal complaint against XXXX XXXX XXXX and TransUnion for their continued failure to correct inaccurate late payment information on my credit report concerning my FlagstarBank account ( # XXXX ). Despite multiple disputes filed on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, no corrections have been made. This constitutes a violation of my federally protected rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Account Information and Discrepancies : The late payments reported for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX are inaccurate and inconsistent across all three credit bureaus, as highlighted in my previous disputes. These discrepancies directly contradict the actual payment history for this account, which reflects a current status with no delinquencies. Additionally, the discrepancies in the " Date Last Active '' and " Last Reported '' fields further underscore the lack of accuracy and uniformity in the information being reported.

Legal Violations : FCRA Violations : Under 15 U.S. Code 1681i, credit reporting agencies are required to ensure the accuracy of the information included in consumer files and investigate disputes thoroughly. The failure to resolve these errors after multiple disputes is a blatant disregard of this obligation.

15 U.S. Code 1681b and 15 U.S. Code 1681c emphasize the importance of maintaining accurate and complete credit reports. Reporting inaccurate late payments undermines these protections.

TILA Violations : 15 U.S. Code 1666b requires creditors to provide timely and accurate periodic statements. The late payment reporting indicates a failure to comply with this requirement and has caused undue harm to my creditworthiness.

Protection Against Non-Payment of Obligations Act ( PAANL ) : Creditors and reporting agencies have a duty to ensure that consumers are not unfairly penalized for alleged delinquencies when they have fulfilled their obligations. The repeated reporting of inaccurate late payments is a violation of this principle.

Desired Resolution : I am demanding the following actions be taken immediately : The removal of all inaccurate late payment notations ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) from my credit report. 
Written confirmation that these corrections have been made and that the account reflects accurate information across all three credit bureaus. 
Failure to address this issue promptly will leave me no choice but to escalate my complaint to higher authorities, including filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies. 
This is the fourth dispute regarding this matter, and your continued inaction is unacceptable. I expect a resolution to this matter no later than 30 days from the date of this letter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My identity has been stolen and accounts, amounts, and inquiries are not recognized or made by me
Product: Debt collection

I am writing to request validation of the debt that you are claiming I owe, as per my rights under the Fair Debt Collection Practices Act ( FDCPA ), Section 809. I dispute the validity of this debt and am requesting verification of the following details : Amount of the debt {$4400.00} Creditors name XXXX XXXX XXXX  Please be reminded that, pursuant to the FDCPA, you are required to cease all collection activity until such validation is provided. Should you fail to provide adequate proof of the debt within thirty ( 30 ) days from the date of receipt of this letter, any further attempts to collect the alleged debt will be in violation of the FDCPA, and I will pursue all available legal remedies to protect their rights, including the possibility of reporting this matter to the relevant regulatory authorities. 

This letter serves as a formal request for debt validation and should not be construed as an acknowledgment of the debts validity. Should you fail to provide the requested documentation, I expect that all collection efforts will cease, and any reporting of this alleged debt to credit agencies will be retracted. 

Please respond within the statutory time frame. Should you require any further information, please direct all future correspondence to my office. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

Mortgage was transferred to Option One showing a refinance 30 yr. in the amount of {$100000.00}. We never agreed to this in XXXX. 
I have been in contact with XXXX XXXX XXXX Consumer Account Analyst at the Consumer Ombudsman office at PHH Mortgage. The last conversation I had with him was on XX/XX/XXXX and he stated they were still working on it and he would send me a letter when it is completed. The Pandemic hit and I knew they were closed. I waited until XX/XX/XXXX and called his office, there was a message that he was working from home, but I could not understand what he was saying to reach him. I did call the main phone number and spoke with a representative, she would not give me any email or phone number for him but said she would send an email to the office of Ombudsman. I waited on the line while she did this and I was assuming that she was referring to the office there at PHH Mortgage, she told me I should be hearing back within 10 days, this occurred on XX/XX/XXXX. I also mailed Mr.XXXX  a letter on XX/XX/XXXX, thinking that he may check in for any mail. 
So at this point I am at a standstill.
Product: Checking or savings account

Deposit total of {$3700.00} being held for 5 business days. I am traveling internationally with my XXXX  XXXX  children without access to other means of money for shelter, food and travel home. Deposits made on the XXXX and the XXXX and am told I will not have access to it until the XXXX. Attempted escalation multiple times with no resolve.
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 accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and removed from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

XX/XX/2020 I went to make a mobile deposit. I have been trying to make this same mobile deposit every month for as long as Wells Fargo has installed Mobile banking. As normal I could not make the deposit. So I decided to walk to the branch. As I arrived the branch was closed to walk ins but you could make an appointment. I decided to walk through the drive thru. They would not take me at the drive - thru. I then called WF to see how I could deposit my checks. They told me that I could not, unless I made an appointment or drove a car. I could not make an appointment and I did not have a car so could not drive up. I then walked home. When I arrived at home I called WF to try to get a mobile deposit completed or withdraw my funds from the bank. They could not administer either a withdrawal of my funds nor a deposit. So I can not complete any banking with WF. I was in XXXX OR last week and I could enter the WF bank and complete my banking, in Texas which is a State that is open I can not walk into a bank. So I can not put money in or out. My money is locked.
Product: Bank account or service

I Applied for Business Bank Account through Capital One, XXXX, And was declined because of the following One or more applicants, account holders or beneficiaries has past or present civil or criminal charges. When is a bank required to do a Criminal Background before a Business Account can be issued?
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has violated federal laws along with their subscriber member XXXX for Child Support in the amount of XXXX The amount of XXXX is a charge off due to the reports and charges that i have filed with my case workers of child support frauds against me. The laws that Equifax and XXXX  violated against me are as follows. 

15 U.S.C. 1681s-1. Information on overdue child support obligations Notwithstanding any other provision of this subchapter, a consumer reporting agency shall include in any consumer report furnished by the agency in accordance with section 1681b of this title, any information on the failure of the consumer to pay overdue support which : ( 1 ) is provided : ( A ) to the consumer reporting agency by a State or local child support enforcement agency ; or ( B ) to the consumer reporting agency and verified by any local, State, or Federal Government agency ; and ( 2 ) antedates the report by 7 years or less. To report back to a prior date Equifax refuses to delete the information along with XXXX  i am trying to avoid legal action against them according to the following Statutes of federal laws by which your obligated to enforce which are below.

1. Federal Debt Collections Practices Act 2. Fair and Accurate Transactions Act 3. Fair Credit Billing Act 4. Fair Credit Reporting Act 5. Fair Credit Billing Act 6. EFTA Electronic Funds Transfer Act Federal Laws Regarding collectors Deceptions 1. Fair Credit Billing Act ( FCBA ) 2. Electronic Funds Transfer Act ( EFTA ) Accounts that was closed cant be reopened and billed separately in two parts with different billing or account numbers this constitutes fraud against the consumer according to the guidelines of the department of commerce, federal trade commission, department of justice public affairs, office inspector of the general, Ohio attorney general, Federal deposit insurance corporation 1005.15 3. 15 U.S.C subsection 1692b ( 3 ) prohibits a debt collector contacting a third party for location information from communication with the third party more than once, unless the third party request it or the collector reasonably believes the third party earlier response was erroneous or incomplete and that the third party now has correct or complete location information.

4. 15. U.S.C. 1692c ( a ) ( 3 ) and 15 U.S.C 1692 g ( b ) 5. 15 U.S.C. sub section 1692e ( 11 ) this does not apply it its in connection with filing at courts for a legal actions. 15 U.S.C. subsection 1692 ( d ) ( 6 ) this provides generally abusive practice to place telephone calls without meaningful disclosure of the callers identity. 

I demand to see verifiable Proof of { Original Signed contracts } with my Signature upon it from the state of Ohio for Child-support or enforcement. The account number XXXX account reference number.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a letter to Experian requesting an investigation into inaccurate information being reported on my credit report. In my letter to Experian I listed specific accounts and they are as follows : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  and XXXX XXXX. I requested the original signed contracts of these creditors and if the information could not be given then these creditors should be removed from my credit report. 

In XX/XX/XXXX, I received a letter from Experian which stated a complete investigation was performed in XX/XX/XXXX and the information on my credit report is accurate. Experian wants me to send relevant information supporting my claim and if I didn't send relevant information they would not reinvestigate this information again.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX : XXXXXXXX XXXX XXXX XXXX : RESIDENT VERIFY XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX : 18 USC 1028A provides that aggravated identity theft occurs when a person commits a crime and also knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the XXXX Account names and numbers listed, has violated my rights. 
Account Name : XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  account # : XXXX Account Name : XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX XXXX XXXX XXXX  account # : XXXX Account Name : XXXX XXXX XXXX Original creditor XXXX XXXX XXXXXXXX BANK XXXX. 
account # : XXXX Account Name : XXXXXXXX XXXX Original creditor : XXXX XXXXXXXX BANK XXXX 
account # XXXX Account Name : XXXX XXXX XXXX Original creditor : XXXX XXXX BANK USA XXXX XXXX 
account # XXXX Account Name : XXXX XXXX XXXX  Original creditor : XXXX XXXX BANK USA XXXX XXXX 
account # XXXX 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
Product: Credit reporting or other personal consumer reports

I sent a letter last month stating that they have non-mailable address reporting on my credit report. I also sent verification of the only address that should be reporting. They failed to remove the inaccurate information.
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXXXXXX XXXX XXXX  XXXX XXXX XXXX
Product: Checking or savings account

I sent money on Zelle to the wrong person and they said they couldnt help me retrieve my money back which I thought was really concerning I wasnt helped at all {$500.00} down the drain & when I tried to request my money back they didnt give it back to me. I closed my account when I realized the bank couldnt help me get my money back.
Product: Credit card or prepaid card

The most recent letter I received from Citibank, N.A., stated they have tried to call me at ( XXXX ) XXXX and received no such call. Please ask Citibank, N.A., for phone records proving their statement that they have tried to initiate communication.
Product: Credit card

A settlement agreement was reached by telephone and direct payments to total {$3600.00}. 
I have made and the bank has processed XXXX of these XXXX payments already. Agreement reference number is XXXX. Bank of America did not apply the money as a pay off but as a regular payment with {$54.00} interest. They have creavtively, left me a XXXX balance. I have confirmation of this arrangement and their statement, attached
Product: Checking or savings account

Back in XXXX or so not long after opening an account with wells fargo I noticed another account that I had never opened. Brought it to their attention they apologized and closed it. Not long ago I heard wells fargo was in trouble for opening accounts without customers consent, so I was telling them about it hapened to me some time ago, after looking into it further they noticed XXXX accounts that had been opened. After leaning all this, I have done some research and found out wells fargo employees were telling people that opened accounts that they had to open a saving account too in order not to be charged fees, well that happened too. So technically there were possible XXXX opened without my consent, and a savings account opened cause I was led to believe it had to be.
Product: Mortgage

My name is XXXX and a very low income responsible good credit history and a very Loyal Tax Paying US CITIZEN. In XX/XX/2012, I was approved a Loan Modification by XXXX due to loss of income from my divorce. My mortgage was lowered from about {$1200.00} to {$920.00} at 2 % interest. It helped me tremendously not to loose my home, which is my heaven and for my Child. Recently my Account was bought over by Nationstar mortgage when my 5 year term ended, I requested for extension of the Loan Modification as my income remained under $ XXXX annual before tax. I have pleaded and appealed but was advised to Refinance to remove my ex-husband 's name because he had abandoned the family, home and broke the mortgage contract refusing to pay his share ( there should be a Law for criminals like him ). Anyway, Loan Officer XXXX had processed my Refinancing documents and Convinced me that my payments are lowered to {$940.00} including Tax and Insurance at interest rate 3.67 % This is a joke and my Mortgage Balance increased from {$140000.00} to {$150000.00} due from Loan closing almost over {$6000.00}. 
I have received a statement from Nationstar Mortgage stating my Mortgage Amount has increased to almost approximate {$1200.00} to cover the escrow balances. I have been lied to and ripped off. This is a BREACH OF CONTRACT. First they denied me of extension or renewal of a Loan Modification and now the breached the contract of ensuring me that my payments will be at {$940.00} but increasing it to almost {$1200.00}. 
Please HELP!!! My Nationstar Mortgage Acct No. XXXX Sincerely - XXXX Home Address : XXXX XXXX XXXX OR XXXX cell XXXX
Product: Debt collection

I disagree with this company access to my consumer credit reports. As debt collector have no permissible purpose. So I dispute inaccurate and incomplete information on my credit reports that is being reported by this debt collector company. I disagree with the debt information and amount reported, and I disagree with how the credit bureaus collect, use, and share my credit information. So I believe I have spot potential identity theft and I also request to place a fraud alert on my credit file, And all forms of contact and communication from debt collector company seize.