23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I filed a complaint with the CFPB in that complaint I informed XXXX as well as the CFPB that XXXX was in violation of multiple federal laws in theyre response to my complaint not only did they not resolve the matter in a way that was beneficial for me the consumer but also admitted to selling my information to a non affiliate third party without my consent or without giving me proper notice or a chance to deny them from disclosing my information to another party that party being DNF Associates , LLC which is a third party debt collector that I have no contract with nor was there ever an agreement for me to pay a debt to DNF Associates , LLC I also never received services or any kind of product from DNF Associates , LLC . In my original CFPB complaint I asked that XXXX stop reporting the inaccurate account to my consumer report being that it is a charge off and according to the IRS a charge off is considered a certificate of indebtedness which is income they did not stop reporting the inaccurate account it still shows up on my consumer report and they tried to put the blame on DNF Associates LLC for the inaccurate account saying I would have to contact them to remove the account when DNF Associates, LLC isnt reporting any negative account on my consumer report XXXX is and the account they are reporting is INACCURATE they also violated my privacy rights under the privacy act of XXXX when they illegally and unlawful disclosed without my consent my personal information to a non affiliate third party which was DNF Associates, LLC I am demanding that this account be removed from my consumer report for multiple violations of federal and state laws unfair debt collection practices and violations of my privacy rights as well as potential TAX FRAUD for not sending me a 1099 so that I may file the certificate of indebtedness on my taxes this year I suspect XXXX XXXX attempt to file the XXXX instead as a tax write off. Furthermore XXXX Did Not inform me of the transfer of my information over to DNF Associates, LLC until AFTER the transfer was already made this is not proper notice but IN FACT an admittance of guilt XXXX admitted not only in the CFPB response letter but also in a email sent to me on XX/XX/XXXX almost a month after they charged off the alleged debt that they did indeed SELL my personal information to a non affiliated third party DNF Associates, LLC
Product: Debt collection

I 've called both companies the creditor and credit management company showing the date and that was paid and it was still referred to the credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting monthly activity on 3 alleged accounts under my ssn. 2 XXXX XXXXXXXX XXXX  credit cards and 1 XXXX  XXXX credit card! 

This account has yet to be verified after multiple requests to have it verified. Experian states that it is a closed account, so there can not be any monthly activity. This further proves that this alleged account is fraudulent and reporting inaccurate information, which is a violation of my consumer rights. It continues to lower my score when they engage in such illegal activity! 

Do not respond that Im an unauthorized individual when I have attached my id and provided ssn, email, date of birth and consent to investigate this matter! 

This issue is causing my mental anguish, affected my employment and my consumer right to apply for additional financial products.
Product: Credit card or prepaid card

I am writing about a dispute between Citi Bank and XXXX XXXX. My credit card is issued by Citi ... and is called the Chairman card but is pursuant to a license from XXXX XXXX. When I make charges, it functions as an XXXX XXXX card. My bills, which are automatically paid in full every month, come from CITI. Here is the issue : Due to some kind of dispute between Citi and XXXX XXXX, they have refused to issue new cards with the chip. The customer service rep at Citi told me recently that they have a contract issue that is still ( after two years ) not resolved, so they can not issue a new card with a chip. In answer to my question about when a decision would be made, the Citi customer service rep said he would file a complaint on my behalf and that there were others who had requested he to the same on their behalf. What can be done to get at Citi Chairman card with a chip? I can not get an answer from either company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried on a numerous occasions to file a dispute with Transunion but they will not remove XXXX collection account from doctors that's is not mine. They removed them and then the next month put them back on my report. I told them I have never seen these doctors. I was also told it's against Hippa laws any medical collection to be on my report. I don't know if that's true all I know is that these are not my doctors. And now I can't see my credit report from Transunion at all but today I was denied credit because of a recent charge off that they're reporting I had. This can't be fair at all.
Product: Credit reporting or other personal consumer reports

Yes I have a couple Closed Accounts Reporting on my Credit Report I need removed I have no knowledge of none of these accounts negatively impacting my credit report I have been trying to remove these accounts for years everytime I try to dispute them they credit company never understands & it is making my life now harder so I am here today to let you guys know I need them to remove any fraud accounts I have already explained to them
Product: Credit reporting or other personal consumer reports

I disputed information on my credit report that was inaccurate inXX/XX/XXXX I asked the credit bureau to investigate every piece of information on the account I have listed below According to the FCRA the term investigative consumer report means a consumer report or portion therof in which information on a consumers character, general reputation, personal characteristics or mode of living is obtained through personal interviews with neighbors friends or associates of the consumer reported on or with others with whom she is acquainted or may have knowledge concerning any such items of information They say my account is verified but how if they did not properly do an investigation according to the law. They are still reporting this information on my credit report And according to the FCRA 15 USC 1681 everything has to be 100 % accurate
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One # XXXX is reporting a 30 day late to my account in XX/XX/20 that should not be on there. I had made my payment online and thought it went through and I did not realize there had been a system error until I got a late on the account. I would like this late removed, I have had this account for a very long time and have never been late before and this late was not my fault.
Product: Checking or savings account

I am writing to describe a distressing situation that occurred today, XX/XX/2023, at approximately XXXX XXXX  EST. I was attempting to deposit {$300.00} into my Capital One checking account ending in XXXX using an ATM located at the bank entrance in XXXX, New Jersey. During the deposit process, my money became stuck in the machine. 

Two employees of the bank, XXXX ( a XXXX woman, aged between XXXX years ) and XXXX ( a man of XXXX origin ), approached and were made aware of the situation. Despite acknowledging my predicament, they unfortunately stated they were unable to assist me and instructed me to call Capital One 's customer service department for resolution. 

Acting on their advice, I immediately contacted Capital One 's customer service, explaining the situation in detail. However, to my dismay, the customer service representatives also refused to return my funds, leaving me with a loss of {$300.00} with no immediate solution provided.

I am seeking your professional advice and assistance to resolve this matter. I am hoping for a full refund of the lost funds from Capital One bank. I trust that this can be resolved amicably, however, I am prepared to take legal action if necessary. 

Thank you for your attention to this matter, and I look forward to your guidance in this distressing situation.I have proof of videos and pictures. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I had an account in 2010 with fifth third bank. In Now over 10 years began receiving harassing calls from company XXXX  stating they just received collection account and submitting lawsuit against me for over {$3000.00}. I was in the XXXX XXXX XXXX XXXX, asked them to stop contacting me as I have never heard of them. They began calling my relatives 3 and 4 times a day, continued contacting me from different numbers. When I asked what the matter was, rep said it was from 2010 account with fifth third bank. I have never received correspondence from anyone stating I owed money. Contacted the branch, they stating they can not do anything as the account is so old they no longer have record of. The account was closed in XX/XX/2010. My credit has never been reported by any company claiming I owed the debt. Again the account was closed. I recall being a class action for the bank at one point as well. They continue to call from XXXX or XXXX area codes or toll free. No prior notice has ever been received previously. As stated above, account was closed over 10 years ago!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently informed of negative information reported by XXXX XXXX XXXX included in the file XXXX XXXX XXXX maintains under my Social Security number. Upon ordering a copy of the report, I found an entry from this bank listing a Checking Account Fraud on XX/XX/XXXX. 
I am unaware of ever having a Checking Account Fraud from XXXX XXXXXXXX XXXX XXXX validate this information with XXXX XXXXXXXX XXXX and provide me with copies of any documentation associated with this Checking Account Fraud bearing my signature. In the absence of any such documentation, I ask that this information be immediately deleted from the record you maintain under my Social Security number and provide an updated report. 

Failure to comply with federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC, CFPB and the state of Minnesota Attorney Generals office. should you continue in your non-compliance. further remind you that, as in Wenger v. Trans Union Corp. No, 95-6445 ( C.D, Cal. Nov 14. 1995 ), you may be liable for your willful non-compliance. 

Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking {$5000.00} in damages for the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act
Product: Debt collection

XXXX XXXX XXXX collection for {$540.00} was removed and reinserted from all 3 bureaus and I never received a reinsertion letter. 

1. Transunion XXXX XXXX removed XXXX XXXX reinserted 2. XXXX XXXX XXXX removed XXXX XXXX 3. XXXX XXXX XXXX removed XXXX XXXX reinserted According to : 15 US Code 1681i - ( A ) ( 5 ) ( b ) ( ii ) If an item as erased and is reinserted afterwards, the FCRA requires that the CRA send you written notice of the reinsertion within 5 days. 

I never received the reinsertion letter so I am asking that the account be permanently removed.
Product: Debt collection

I dispute this account this should be delete immediately. 
XX/XX/year> What I ask is not real document. 
Here are the following documents I need. 
1.proof of ownership 2.original credit agreements 3.account statement 4.itemized list of charges 5.a verification of the debt amount 6 The statute of limitations and of the debt is expired.

Delete this immediately to my credit report.

This agency is violating the FDCPA.
Product: Student loan

I was falsely notified that I could make an additional payment on the principal of my loans. In XX/XX/XXXX, I used the Maryland Student loan tax credit to make a payment of {$1500.00} on the principal balance of my highest interest/balance loan. The payment was applied only to the " outstanding interest '' after several calls and messages in which Mohela said they would adjust the payment to the principal balance, I was informed later that it was not possible. I requested a refund on XX/XX/XXXX and as of XX/XX/XXXX that refund request was still " open and pending '' per Mohela 's records. The Mohela agent I was notified me she would put in an " escalation request '' it would take another 5-7 business days for the status to change and that would mean the refund would be past the 90 business day timeline for refunds. 

As of XX/XX/XXXX I still have not received any refund from MOHELA. 

I have contacted them via phone several times with wait times going from XXXX minutes to well over XXXX minutes with either no call back or worse, disconnected calls with no follow-up. 

When I was finally able to get an agent on the phone on XX/XX/XXXX, after XXXX minutes of re-explaining the situation to her, the agent transferred me to a " resolution specialist '' The Supervisor, XXXX, informed me that the refund was still listed as awaiting review she said she put in an expedited request which again would take another 5-7 business days to process. This call alone took over XXXX hours. 

I can not stress enough how exhausting this has been to keep reaching out to get my refund that was requested 148 days ago now. 

I have XXXX additional pending refunds for erroneous billing from Mohela ( payments in XX/XX/XXXX and XX/XX/XXXX and refunds requested for both in XX/XX/XXXX ). I feel that Mohela deliberately delays the processing of refunds and is vague with communicating the status. Information is not available on the Mohela site. They have poorly managed communication via email or other means. Almost every other month, I am reminded that Mohela is incapable of servicing my loan with integrity and am forced to do additional follow-up and inquiry.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block inc. ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( XXXX ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the electronic fund transfer act ( XXXX ) and XXXX XXXX These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the XXXX XXXX. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my XXXX to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$3500.00} ; XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX {$220.00}
Product: Checking or savings account

I spoke to XXXX a small business supervisor spoken to around XXXX ; XXXX PST on XX/XX/XXXX. He stated that I wouldn't be receiving the {$750.00} bonus for the new account opening because I had received the bonus previously on the other account that was closed and opened in the year XXXX. He stated the bonus was posted automatically and eventhough given the circumstances was unable to manually adjust the bonus considering the misconception. XXXX also stated that it was a XXXX time bonus for the lifetime of a Bank of America business banking account. I received a new promotional email from Bank of America on XX/XX/XXXX about another {$750.00} bonus for opening a business checking account. In the terms it states that its " intended for new customers only '' Intended is misleading because why not state " New Customers Only '' Please make this right. Thank you.
Product: Money transfer, virtual currency, or money service

They signed me up for things I didnt even know I was signed up for they took almost XXXX $ dollars of of my account and I already waited 4 weeks to get XXXX $ back now they took XXXX $ out and they are saying it will take 4-6 days to get it back I reached out it takes forever for someone to contact you back and it take forever for them to put the money back that they took
Product: Credit card

Re : Exxon/Mobil gas credit card - credit price vs. cash price. 
Previously, when I have used our business gas card my regular Mobil station ( s ) has applied the lower, cash price, to the gas card transaction. On XXXX/XXXX/15, while at an unfamiliar Mobil station, I was charged the higher, credit price, for my gas card transaction. 
This seems to be, at some level, a bit of consumer information fraud. The lack of consistency is XXXX thing, the failure to disclose to the consumer is yet the large issue. The consumer has no way of knowing the amount he/she will be charged ( cash or credit price ) when using their Exxon/Mobil gas credit card until starting the actual transaction. 

I 'm surprised this has not become a class-action lawsuit yet. 
Thank you for investigating.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 
As in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 


XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

HAVE A MEDICAL BILL THAT WAS PAID FROM XXXX XXXX XXXX, AND THE FACILITY THAT I WAS SEEN AT IS CHARGING A HIGH AMOUNT ON MY CREDIT BECAUSE THEY WAITED TOO LONG TO BILL INSURANCE. I HAD XXXX XXXX XXXX AND THE BILL WTLL NEED TO WRITTEN OFF. IT IS WITH A COLLECTION AGENCY CALLED XXXX XXXX AND THEY ARE VERY RUDE AND IMPOSSIBLE TO DEAL WITH. THEY REFUSE TO TAKE IT OFF MY CREDIT AND IVE TRIED CALLING THE ORICIAL FACILITATOR. NO HELP THERE EITHER. I HAVE TH XXXX FROM THE ISURANCE PROVING THE PROVIDER WAS PAID.
Product: Money transfer, virtual currency, or money service

A GB/pound transaction on XX/XX/XXXX, on XXXX, paid by via direct credit card but interfered by PayPal, in the amount of XXXX BG which at the time of transaction was XXXX XXXX but the actual charge to my credit card was XXXX XXXX thus some hidden fees were applied and charged to my account without clearly being stated. My attempt to solve the dispute with PayPal representative, XXXX XXXX ( as she presented herself ), and get the XXXX $ refunded to my account failed despite the obvious differences. PayPal representative continue to state the the exchange rate at that time was different from what I had at the time we had the discussions ( XX/XX/XXXX vs. XX/XX/XXXX, the actual day of transaction ) I think this XXXX $ are hidden fee and need to be clearly disclosed by PayPal when charging a person 's credit card.
Product: Credit reporting or other personal consumer reports

Creditor Name XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Contacts Show Experian XXXX : XXXX XXXX : XXXX Date of Inquiry XX/XX/year> XX/XX/year> XXXX/XXXX/202
Product: Payday loan

I told them I do n't get paid till Friday but they wo n't wait they want to take it out on Wednesday they purposely are going to bounce my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is once again reporting my account in error. 

XXXX shows the account last PAYMENT was made on XX/XX/XXXX yet the account was CLOSED on XX/XX/XXXX. How could I have made a payment on a CLOSED account? 

These dates are wrong and according to the FCRA, they must delete any information on my credit report that is incorrect. 

Once again, XXXX is harassing me and my financial life by prolonging derogatory credit reporting to pay me back. They have intimidated me in the past and had little compassion for me as a military service member. Over the years, these dates have shifted numerous times and its all to take advantage and bully me. Please ask XXXX to send you a paper trail of all these date changes then please fine them.
Product: Credit card or prepaid card

unlawfully Interruption of Charge Privileges I HAVE AN AMERICAN EXPRESS CARDS THE DUE DATE IS THE XXXX OF EVERY MONTH XXXX IS CHARGE CARD THE I HAVE TO PAY IN FULL EVERY DUE DATE THE OTHER XXXX IS A CREDIT CARD THIS IS THE SECONT TIME THEY PUT A HOLD ON MY CREDIT CARDS WHEN IS NOT EVEN CLOUSE TO MY DUE DATE AND THEY ASK ME TO MAKE PAYMENTS EARLIER THEY REQUESTED ME TO MAKE PAYMENTS BEFORE THE DUE DAY OF MY PAYMENT AGRETMENT ACCORDING TO THE AGREEMENT OF THE CONTRACT THAT I DID WITH THEM AND THEY DO THIS ONLY TO THE XXXX AND OTHER XXXX THIS COMPANY AMERICAN ESPRESS HAVE A HISTORY OF PROFILING IN THEIR COSTUMERS SPECIALLY ON XXXX AND XXXX PLEASE OPEN AND INVESTIGATION AND MAKE SURE THEY DONT BREAK THEY CONTRACTS AGRETMENTS AND PROFILING ON THEIR COSTUMERS, HERE IS THEIR LATTERS AND I THINK IM A VICTIM OF PROFILING. unlawfully Interruption of Charge Privileges
Product: Credit reporting, credit repair services, or other personal consumer reports

Hired LexingtonLaw to mediate and help fix my credit due to wanting to purchase a rent to own home as well as establish an installment auto loan. Ive had extensive good credit history being my first credit account was established at the age of XXXX. LexingtonLaw charged me XXXX and my score has decreased 80 points. Please help me