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

i am filing a complaint with the CFPB regarding my Capital Ones failure to deposit my Direct Deposit AS WELL AS a transfer deposit from a third party savings. Capital One has cited technical issues, which violate the Electronic Transfer Act ( EFTA ) as it requires timely access to funds. This situation rises concern about customer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. thank you.
Product: Bank account or service

Charged {$37.00} on XXXX & {$32.00} on XXXX. Total charge {$69.00}. Made XXXX Payment of {$69.00} on XXXX. Also made a XXXX Payment of {$1.00} on XXXX from XXXX XXXX Checking. XXXX XXXX, XXXX XXXX ONLINE PMT XXXX. On XXXX Bank of America made a Small Balance Adjustment of {$1.00} taking my + {$1.00} balance to $ XXXX. Contacted BA & on XXXX they made a Small Balance Adjustment & returned the {$1.00} stating it was a computer error which left me a + {$1.00} balance. On XXXX another Small Balance Adjustment was made & they took the + {$1.00} from my account leaving me again with a $ XXXX balance. Unable to obtain any answer from BA Customer Service Dept. as to why this keeping happening except that it is a computer error. Need to know when they are going to return the {$1.00} to my account and what steps they are taking so this will not happen again. Was told this has happened to other clients also.
Product: Credit reporting, credit repair services, or other personal consumer reports

See attached XXXX NOTARIZED Identity Theft Victim Affidavit. After 4 years, I am understandably not happy with the 90 Fraud Reinvestigation Discover responded with on Consumer Financial Protection Bureau Complaint # XXXX. After theft of cards in XX/XX/2017, I was in hospital for 5 days in XX/XX/2017 for emergency XXXX XXXX XXXX. And again, in XX/XX/2017. I was in the XXXX XXXX XXXX beginning in XX/XX/2017. The thief is XXXX XXXX XXXX aka XXXX XXXX XXXX. I have already sent information that I easily XXXX  reflecting credit card abuse, forgery, impersonation, and false pretenses. Also attached is a letter I sent to XXXX XXXX XXXX XXXX regarding more fraud and impersonation from XXXX XXXX. She was able to get on my company insurance for several months and was getting pills from a doctor.
Product: Checking or savings account

I'm deposit check from my insurance work compensation, with the money them own me total is XXXX when I do deposit, citizen bank tell me my fund is available on XX/XX/XXXX and also the give me receipt with the transaction and the said fund available XX/XX/XXXX, when check online bank, the bank extend day on holding check to XX/XX/XXXX, I was scheduled some payment from debt to clear on XX/XX/XXXX. Now the bank want charge me overdraft fees {$35.00} each on the overdraft amt XXXX.i think this is very unfair, why I have to paid for this is citizens bank mistake day on available fund. I also I'm call supervisor from citizen he talk me he cant help and I have to paid for my fees
Product: Debt collection

I attempted to contact the company to verify where the debt came from and what was the collection for. I was told to give a debit card payment of {$1.00} to get any information or I will have this on my credit for XXXX years I stated this is not legal I will contact legal help or a attorney to please let me know what the debt was from and if the debt was legit and was told to give my debit card information to pay {$1.00} to get any information or this will stay on my credit report for XXXX years and I hung up the phone and I am seeking for help with my rights.
Product: Money transfer, virtual currency, or money service

Lexington law was paid but didn't provide service.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a letter disclosing inaccurate items on my credit report. We are nearing 60 days since the original letter and I have heard nothing from your agency. I feel that its extremely unprofessional how little your agency cares about the accuracy of the credit reports you provide. Section 611 ( a ) of the FCRA clearly states, that failure to investigate disputed items within 30 days give reason to immediately remove those requested items from my credit report. Being that we are approaching 60 day at the time of this complaint, the item should be removed at once. If the below referenced item is not removed immediately, I will file for litigation due to the emotional and financial stress this has caused. I have already reached out to XXXX & XXXX as well and the matter was resolved promptly. Like many others, my information also may have been impacted by the XXXX Equifax data breach and could have been compromised. 

Disputed item : Inquiry - XXXX XXXX- requested on XX/XX/XXXX Reason - Invalidated/unauthorized inquiry Thank you,
Product: Debt collection

I received a collection letter on XXXX XXXX XXXX from Stellar Recovery INC stating that I XXXX to XXXX. I did not receive notice of the right to dispute. I am buying a home and it hit my credit which now has prevented me from buying. I have had the same phone number for three years and when I called and talked to Stellar I spoke with XXXX individuals there. I have the conversation recorded. Both of whom told me that they were not obligated to send out a validation of debt letter. I have not used XXXX XXXX for over 4 years. Had I known that I even owed the debt I would have just paid it but I had no opportunity to even have that option. It hit my credit in XXXX XXXX and then I got the letter stating I owed them money in XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau representative, I recently reapplied for credit at a few companies but all credit applications were denied, despite having excellent credit. For the credit denial, both companies XXXX XXXX XXXX and XXXX XXXX XXXX XXXX ) claimed that they could not approve my credit application because they DID NOT RECEIVE MY EQUIFAX CREDIT REPORT.

I have already filed 2 complaints against Equifax but Equifax has never done anything to resolve my situation, see Exhibits 1, 2, 3 and 4 ). Equifax only replies requesting more information and documents. I send all the requested documents and they get back to me asking for additional documents. In fact, on XX/XX/2023, I mailed the third round of requested documents ( XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX, and Exhibit 6 ) Why doesn't Equifax send my credit report to these and other companies where I apply for credit?

However, I have online account subscriptions with Equifax ( Exhibit 6 ), XXXX and XXXX and I can access my credit information with all three companies without any problem. At the time of writing this complaint, my credit scores with Equifax, XXXX, and XXXX are 810 ( Exhibit 6 ), 834, and 826 respectively. These credit scores were obtained directly from my online subscriptions with Equifax, XXXX and XXXX. All are considered excellent credit. I recently applied for a car loan in the amount of {$42000.00} and the credit application with XXXX XXXX XXXX was immediately approved with my credit information obtained from XXXX. 

This abusive and discriminatory situation on the part of Equifax has created great anguish, despair, frustration and health problems for me and my family in my XXXX XXXX XXXX XXXX. I needed to buy construction materials at XXXX XXXX to make repairs and improvements to my home. I have not been able to make repairs to my home because XXXX XXXX denied my credit application because they could not access my Equifax Credit Report. Such suffering, anguish, despair and emotional problems have caused me great economic losses and health problems. For the damages caused by Equifax 's attitude, I demand compensation in the amount of {$50000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Experian and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/2020 XXXX XXXX XXXX XX/XX/202XXXX XXXX  XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 any purpose. 


REMOVE THIS FROM CREDIT Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am writing to dispute the following information on my credit report and have the following information removed from my file. The items I need deleted are listed below. I am a victim of identity theft and DID NOT open these accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and have also enclosed copies of the documents supporting my dispute. Federal Trade Commissions identity affidavit. Please delete the items as soon as possible.

Based on, 15 U.S. Code 1681c-2 a consu
mer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an allegod identity theft, not later than 4 business days after the date of receipt.

It has boen 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN
GENERAL.

Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Debt collection

I ran my annual credit report via XXXX and noticed a collection account on my report. It shows the account was opened with a debt collection company " I C System INC '' on XX/XX/2022, and the balance is {$100.00}. 
I already called XXXX to report this issue and notified XXXX there was some incorrect personal information on my report as well, including names, addresses, employer 's information, and social security number variation. Besides that, I already called I C System INC to find out if they have any related records, but they couldn't find anything unless I can get provide them with the full account number or reference number. I noticed the original creditor of the debt was XXXX XXXX, but I never open any account under this company. For now, this is all I have done related to my fraud.
Product: Debt collection

Dear Portfolio Recovery Associates ; This is fraudulent account!!! I am writing to formally dispute and request the removal of an alleged debt from my credit report, which I believe to be fraudulent. I have no knowledge of this account and have never entered into any contractual obligations with your company or the original creditor. 
The reporting inaccuracies concerning this account violate both FCRA and FDCPA regulations. To resolve this matter expeditiously, I require the following documentation : 1. Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for handling this matter.

2. Legal basis for the collection of this debt.

3. Proof of your authorization to operate in [ State Name ].

4. Evidence of the alleged debt, including any contracts or agreements bearing my signature.

5. Complete account history, inclusive of all collection-related charges.

I am formally filing a complaint citing violations of my consumer rights under the FCRA and FDCPA. Pursuant to 15 U.S.C. 602 ( a ), I demand immediate cessation of all communication and collection activities related to this account. Furthermore, per 15 U.S.C. 604 ( a ) ( 2 ), no account can be furnished without my written instructions.

Your actions have infringed upon my rights under several sections of the FDCPA : * 1692d : Harassment or abuse in connection with debt collection.

* 1692e : Use of false, deceptive, or misleading representations.

* 1692g ( b ) : Failure to properly disclose my rights.

* 1692f : Use of unfair or unconscionable means to collect a debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Report # XXXX on XX/XX/XXXX has a negative account reporting from XXXX  XXXX XXXX ( XXXX ) with the original creditor XXXX  XXXX ( # XXXX ). This account has been under dispute multiple times for unauthorized reporting on my consumer report. XXXX, TRANSUNION and XXXX have continued to report this account as a negative impact which has in return, ruined my reputation with future lenders to extend my credit. XXXX claims they bought this account from XXXX  XXXX. As I have attached an identity theft report due to XXXX  XXXX not following the internal revenue service tax law. It is a tax fraud to not send copies of XXXX, cancellation of debt and the XXXX Original Issue Discount forms. They have filed these forms without my authorization and then sold the alleged debt to a XXXX party to collect on an account that they have already received payment for through my social security number. This account has been reporting since XX/XX/XXXX which is more than enough time for either XXXX  XXXX or XXXX to produce these tax forms and/or correct them. I am asking for the immediate deletion of this unauthorized account being reported on any consumer report I have mentioned, in addition to any I'm unaware of.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have submitted the same complaints several times already but still, these items are visible on my credit report. I have no idea what is going on over there at the CFPB. This is so incredible! How can you guys let these multiple complaints pass? You guys seem like a lot of passing the blame or no accountability. Well, whatever the reason, I'm beyond bothered. I have sent my FTC report to them but still nothing has changed. These fraudulent items should be DELETED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. 

XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

Shellpoint has held my funds in a suspense account rather than applying to my account, which Ive learned is in violation of Consumer Financial Protection Bureau regulations. I made a good faith payment of {$66000.00} ( wire transfer XX/XX/XXXX ) in an effort to resolve final bill with Ditech/Shellpoint. 
Now my home is set to be scheduled for auction despite me paying the entire principal balance. 
I have been trying to resolve the final bill since late XXXX when my mother passed away and I knew the sale of her home was forthcoming and I would receive some of the proceeds so I could save my home. The bank has attempted to sell my home twice since then. Now the judge ordered my home to be auctioned so I will lose my home and my large sum payment.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding unresolved inaccuracies on my credit report held by TransUnion. Despite my numerous attempts to resolve this issue, including sending certified letters in XXXX and XX/XX/XXXX, the errors remain uncorrected, significantly impacting my life and infringing upon my rights under the Fair Credit Reporting Act ( FCRA ). 
The erroneous information has had a significant impact on my ability to secure employment, obtain credit, purchase a home, and more. For example, I was recently denied a job offer due to the inaccuracies on my credit report. I have also been denied credit for a car loan and a mortgage, which has limited my ability to purchase a home. This has caused me significant financial hardship and XXXX. 

Therefore, I urge the CFPB to intervene and ensure a thorough investigation by TransUnion into the disputed accounts listed below : 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 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 I request the CFPBs assistance in rectifying this matter promptly. Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XX/XX/XXXX I sent in my first dispute to all 3 credit bureaus, ( XXXX, TransUnion, and XXXX ) addressing the incorrect personal information that was being reported on my account. I asked for them to update my credit profile with my correct name, address, and employment info. I know due to covid things may have been backed up so I reached back out to them XX/XX/XXXX. In my XX/XX/XXXX dispute I addressed the same issues with my personal information and asked for verifiable proof of a few accounts that was being reported. I was sent an updated credit report that said accounts has been verified and no change to my profile in XXXX XXXX. I asked for a re-investigation and verifiable proof for selected accounts in XXXX XXXX XXXX. I informed them that according to the FCRA Section 609 ( a ) ( 1 ) ( A ), they are required by Federal Law to verify through the physical verification of the original signed consumer contract for any and all accounts that's reported on a credit profile. I have not received any response to my dispute as of today XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are the companies that I disputed. I do not validate any of them accounts and none of my personal information been updated. I have spoken with someone from XXXX and TransUnion asking why haven't those accounts been removed yet or my personal information update and the response I got was they don't have to send me out any physical proof of the debt. So instead of continuing going back and forth I figured I'll reach out to you guys to see if you can help me.
Product: Debt collection

On each of the weeks of XX/XX/2019, I inquired about an outstanding debt with XXXX XXXX. The debt was referred to XXXX XXXX XXXX XXXX, IN, who had the debt for an unknown amount of time, after which, it was sold to Lloyd & McDaniel of XXXX, KY. On every communication attempt, I have asked to please verify an outstanding debt that, according to XXXX XXXX , it is the amount of ~XXXX USD. The only response is that my account is on hold. 

I have an urgent business matter on hold that requires my obtaining information enough to include the outstanding amount within a real estate deal which calls for paying off the debt at closing. My home is currently securing the XXXX XXXX debt. In order to lift the lean, I need to provide the closing professionals with the address and amount of payoff. 

Please compel Lloyd & McDaniel to respond with this information as time is of the essence. 

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

This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXXXXXX XXXX XXXX XXXX XXXX
Product: Debt collection

TRANSWORLD SYSTEM INC/ reached out to me via mail on XX/XX/2021 about they own the debt and I needed to reach out either requesting to validate the debt or make a payment. I then received a call from said debt collector above on XX/XX/2021 and advised I was sending out a debt validation letter to validate debt requesting proof. I responded with a debt validation letter dated XX/XX/XXXX. Neither time from the letter I received on XX/XX/XXXX and call on XX/XX/2021 did the debt collection agency stated they was reporting this debt to the credit bureaus which they did on XX/XX/2021 especially since this was the first time I got communication from them. I was not given a proper time frame of validating the debt before it was reported to my credit report. This is unfair and violates my consumer rights of a proper investigation of any debt claimed to be mines. I have even reached out after the collection was reported to have them validate said debt and they did not provide any payment history with the original creditor or a copy of the original signed contract between the original creditor and debtor. They also did not provide an account statements from the original creditor or even n itemized accounting of how the total amount of debt was calculated including fees and interest. 

I even reached out to them multiple times asking for proof and they gave nothing that validated the debt to be mine.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I called Kabbage because my personal phone number came up on my bank statement instead of my business phone number for my customers. I simply needed this changed, A phone rep told me they would call me back in a day or 2 while they fix the issue. I never received a call. That same day about 2 hours later my account was restricted and they asked by email for my business documents. I sent those over. Today Wednesday XX/XX/XXXX I had to reach out to two of my customers to be reimbursed because kabbage refunded my customers after I submitted proof to them these transactions were legitimate. I am confused and not sure what is going on.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Defpite using Zelle numerous timesand reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBS findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 
This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.