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

I have filed over 5 disputes regarding the same transactions since XXXX. Each time the claim was denied, I asked for the documents used to make their decision and have yet to receive anything. I paid for a vacation package with XXXX XXXX for over 2 years. The event was to take place on XX/XX/XXXX but was abruptly cancelled on XXXX XXXX via email. XXXX XXXX never answered the Customer Service number. Took over a month to get any response from them via email. Even though they offered a Refund, they stated that if a claim had been filed with your bank that they were no longer responsible. The reason for my claim was for Services/Product that was paid for but not rendered. The dates of the transactions are as followed : XX/XX/XXXX - {$410.00} XX/XX/XXXX - {$220.00} After submitting all evidence, including the bankruptcy filing, they have denied my claim yet again stating that no error has occurred. Most if not all claims were denied within a 24-48 hour timeframe. Which signifies that a thorough investigation couldn't have possibly been done.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding capital one 's failure to deposit my direct deposit from my school and any other deposits. Capital, one has cited technical issues, which may violate Electronic Funds Transfer Act ( efta ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit card or prepaid card

I attempted to use my Capital one credit card in XX/XX/XXXX and spoke with an agent who advised me my card was expired. A replacement card was sent then which I never received. 

I called again in XXXX to ask where this replacement card was and agent assured me it would be resent. 

It is now XX/XX/XXXX and I have yet to receive this replacement card. I received an email stating my account is to be closed on XX/XX/XXXX because of inactivity. I can only assume my card was sent to the incorrect address multiple times. Now my account is being closed because I did not use a card I NEVER RECEIVED. 

Upon speaking with a capital one supervisor on XX/XX/XXXX I was advised even though the account is being closed on XX/XX/XXXX it can not be reversed. I was unable to use my card due to Capital Ones error in mailing my card to incorrect places so they should correct this issue caused by their own error.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to XXXX Credit Bureau from XX/XX/XXXX to the present, and I have not received any response up to this date. On the other hand, the inaccuracies about my Inquiry are continuously reported on my XXXX Credit Report. That means XXXX failed to comply with the Fair Credit Reporting Act law which states that the Bureau should provide to the client 's requests. Here is the concerned account : XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my written requests for you to notify about some errors on my account. The unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. The following accounts are needs to be corrected immediately ; XXXX XXXXXXXX Balance : {$13000.00} ; XXXX XXXXXXXX Balance : {$13000.00} ; XXXX XXXXXXXX Balance : {$13000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct the following items. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022
Product: Debt collection

AR Resources is a third party collection agency and has no legal right to make entries on my credit report for this alleged debt. After research AR Resources does not possess the proper documentation, or legal authority to collect, or make entries to my credit report for this alleged debt.
Product: Checking or savings account

Citibank paid an item that was presented as an ACH. They reflected the item paid with a credit balance of several hundred dollars after the payment. They then turned around and returned the item two days later. When the item was returned, it showed that I had a hundred plus dollars more once the item was returned. The item was only for {$59.00} so how was there not enough money available. As well as why did the item never show as a negative which would have alerted me that there was not enough money available. Citibank responded to my concern but never addressed the problem. I was able to get the credit for the NSF fee after calling and speaking with a representative that agreed that they had made a mistake. Citibank needs to own up to their mistake and fix their online account information to reflect charges and credits to show real-time accurately. I clearly had enough money for the item to be paid. The account statement that Citibank sent in their response shows the item being paid with funds left over.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sally mae can not produce my loan information they refer me to navient who can not produce my loan information who refers me to another company who also can not produce loan information. They continue to report to my credit from multiple companies none of which can find or produce any information on my loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$9600.00} XXXXXXXX XXXX XXXX  XXXX Creditor : XXXX XXXX XXXX A XXXX XXXX Balance : {$1400.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$7900.00} XXXX XXXX XXXX XXXX XXXX Balance : {$370.00} XXXX XXXX Balance : {$12000.00} RXXXX 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
Product: Checking or savings account

My husband and I submitted a fraudulent claim immediately after finding out his wallet had been stolen. We spoke with a NFCU representative in real time as someone was trying to use our debit card. We reported the card stolen, reviewed each fraudulent charge, and were even reassured by the representative we would get our funds back. After several phone calls and trying to follow up on our claim, we were told the claim was denied and given no information as to why they came to this decision. We attempted to escalate the issue, but were met with resistance and told there was not one person who would be able to take our call. Their " Zero Liability '' policy is grossly hypocritical to their business practices. Our money was innocently stolen from us and Navy Federal Credit Union has negligently handled business.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing the information reported to credit reporting agencies regarding a late payment back in XXXX. 

My payment was not 30 days late. 

I made my payment on time, what happened was gap and mixup during the transfer of loan servicing from XXXX to Loancare. 

I made my payment on time to XXXX, however, unaware that my loan servicer had changed over from XXXX to Loancare the money went from XXXX to Loancare and sat in a holding account because the XXXX loan number did not match the new Loancare. 

When I received the delinquency notification via USPS mail service, I immediate contacted Loancare and discovered my payment funds for XXXX and XXXX had been received but had not been applied to my new Loancare mortage account. 

The mix-up was corrected with funds applied and my account brought to good standing. However, what was not corrected was the information reported to the credit agencies that shows my loan payment was not 30 days late. 

This information reported is not correct and inaccurate. 

I've made 3 attempts to dispute this inaccurate reporting through XXXX and each time no success. 

Now I'm reaching out directly to seek out the correction of this information. 

I'm asking the information reported to credit agencies be updated to accurately reflect those funds were received, and not applied to my new LoanCare account. 

I also am very confused as to how LoanCare is reporting on-time payments going back as far as XXXX when I never made payments to Loancare during the reporting periods.
Product: Debt collection

Jefferson Capital Systems XXXX continues to try to collect a debt that is inaccurate. Jefferson is working on behalf of XXXX which is no longer in business. I switched to XXXX XXXX XXXX in XX/XX/2021. When I switched, XXXX which was purchased by XXXX XXXX was contacted by XXXX XXXX XXXX about the switch. I do not owe any money to this company and no proof of what is supposedly owed has not been provided. The original date of when I had XXXX as my XXXX is more than XXXX years old. The statute of limitations on the the original creditor has gone past the statute of limitations, which is more than XXXX years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX XXXXXXXX, Account name : # XXXX XXXX ( Finance ), Account name : # XXXXXXXX XXXX XXXX Account name : # XXXX XXXX XXXX  ( Bank ) Account name : # XXXX XXXX XXXX ( Bank ), has violated my rights. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries on my report has violated my consumer rights to privacy and were conducted without my consent. 
1XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX. XXXX XXXX. XX/XX/XXXX XXXX. XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX 15 U.S. Code 1681b violation furnishing reports in connection with credit transactions not initiated by the consumer. This is Identity Theft because these items were not initiated by me, I have no knowledge where they came from and I did not give consent for any of these accounts to check my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Kindly adjust or correct the following items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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
Product: Debt collection

This company called Midland has called me numerous times. I have advised them I do not know them and I don't have a debt with them. This company has placed this incorrect information on my credit report and had someone deliver some court information to a relative at my home when I wasn't there. I do not know this company and do not owe them anything and I feel this is harassment.
Product: Mortgage

I have a mortgage with wells fargo. my house burned down. I have had nothing but a bad experience with wells fargo in dealing with this great loss. I have multiple complaints  1 ) Wells far go is holding  XXXX  from the insurance company. They will only p rovide 1/3 of the funds until 1/2 of th e house is complete. I have demonstrated strong financial situation . ( high salary, high 401K, hig h equity in  XXXX  home, high equity after construction ). I have asked to continue to receive disbursements of my funds as I demonstrate that the initial funds have been applied to the build of the house. If I run short at the end of the project, I will eliminate " nice to have '' finishes from the contract.  <P/> Wells fargo continues to say no. They will not release any more funds until I am at 50 % complete. They do n't offer construction loans, they wont give me a line of credit/refinance on my  XXXX  home. It does n't benefit wells fargo to have a property sit in a burned down state because they wont give me the funds, unless they are hoping that I will default and they get to take over the property.  <P/>  2 ) The property loss department requires an overhaul. I talked to them at least 20 times and they never informed me that wells would only pay out 1/3 of the insurance money and would not give me the rest of the money until I had 1/2 of the house completed. Do they do this on purpose so I would end up in the situation I am in? People do n't know what to do when they have a total loss tragedy. Should n't wells fargo play a role in informing the customer that they will be hold ing all of these insurance funds but will NOT disburse them ( so I could have gone to  XXXX    XXXX   earlier ... ..when I was n't in a crunch to get the funds? ) Does wells just want to keep making interest as long as possible and does n't really care about its clients?? again ... .so unethical.  <P/>  2 ) Wells f argo continues to refuse to tell me what 50 % complete means. they say they will distribute more funds when they are 50 % complete but they have me on their recorded lines begging for a definition of 50 % complete and they continue to say they will get back to me with that definition and they never do. is this a scam as well? will they still not give me the funds when the contractor says I am at 50 % complete. will they find some excuse at that point to hold the funds as long as possible?
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted to Equifax a dispute involving XXXX XXXX. The account is incorrectly reporting with Equifax and I provided documentation and full credit reports to display the inaccuracies and request deletion Equifax says they did an investigation of my claims but they did not address any of the errors or delete the account in question as I asked for. They have not fulfilled their obligations under the Fair Credit Reporting Act so I am filing a complaint. 

Thanks XXXX XXXX
Product: Money transfer, virtual currency, or money service

Purchased merchandise through a company. Received an invoice from them. Went to the TD Bank to do a wire transfer. this happened on XX/XX/2022. Did not receive my merchandise, apparently this Company is Fraud. The Main office is located in XXXX XXXX XXXXXXXX, NY and the instructions I received was to transfer the money to a Bank in XXXX called XXXX BANK. Did not receive my merchandise. Went to the Bank filed a complaint on XX/XX/2022. It usually takes time to make a XXXX XXXX XXXX for a XXXX, that's why it took some time for me to go and file a complaint. The company was in touch with me throughout the entire time and confirmed that the funds were received and merchandise is being shipped ( never shipped ). I tried to reach out XXXX times and there was no answer. Called TD BANK a million times, they said case closed because XXXX BANK did not answer their calls ( hardly believe that ). The amount wired was {$11000.00} ( not a small amount ). I have to take a loss of XXXX and I have to deliver the merchandise to my customer that has paid for the transaction. Please help me retrieve my funds. I am a small business trying to make ends meet during this difficult time. Also visited the branch numerous times and was told that they cant help me w International wires and I am not insured nor am I protected in any way at all. Its hard to believe that the Bank that I bank with for many years can't help me!! 
My Company name is : XXXX XXXX XXXX Located : XXXX XXXX XXXX XXXX, XXXX, NY XXXX - Tel # XXXX
Product: Debt collection

This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such an account and also other documents so I may review it to see if it actually belongs to me. In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15. U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agent can not purchase an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am writing to formally escalate my previous dispute regarding inaccurate and unverifiable information that is currently being reported on my credit file. I previously submitted multiple disputes, but I have received a response stating that the items in question were " verified. '' Upon review, I must inform you that this verification is insufficient and does not meet the standards required by the Fair Credit Reporting Act ( FCRA ). As such, I demand a more thorough investigation and immediate removal of the following items : XXXX  XXXX ( Late {$73.00} ) XXXX  XXXX ( {$360.00} ) XXXX XXXX XXXX ( {$3000.00} ) XXXX XXXX XXXX ( {$1900.00} ) XXXX XXXX XXXX ( Late ) XXXX XXXX XXXX {$200.00} ) Under the FCRA, you are legally obligated to report only accurate and verifiable information. The items listed above have not been substantiated with sufficient evidence or documentation to prove their accuracy. Simply marking these items as " verified '' without providing supporting documents such as original account records, payment history, and other pertinent details is not sufficient to satisfy the legal requirements for credit reporting. 

I hereby demand the following actions : Immediate removal of the above-mentioned items from my credit report, as they can not be verified as accurate or substantiated with proper documentation. 
If you claim that any of the information is accurate, I request that you provide me with the following evidence for each item : A copy of the original contract or agreement associated with each account. 
A detailed payment history for each account. 
Documentation showing the dates of account charge-off, late payments, and any payment arrangements. 
I expect a detailed response outlining the steps taken to verify this information, including the specific documentation that was reviewed. 
If the information can not be verified within 30 days of your receipt of this letter, I demand the immediate deletion of these items from my credit report in accordance with the FCRA. 

Please be advised that if this matter is not resolved promptly, I will be forced to take further action, which may include filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office. Additionally, I will explore the option of pursuing legal action to address the violations of my rights under the FCRA. 

Failure to comply with this request in a timely manner will leave me no choice but to escalate this matter further, as I will not allow inaccurate information to continue damaging my credit profile. 

Please confirm receipt of this dispute and provide a written response within 30 days. 

And stop sending stall letters to prolong this issue!
Product: Debt collection

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 

1. XXXX XXXX Account Number : XXXX Bal : {$4900.00} 2. XXXX XXXX XXXX Account Number : XXXX Bal : {$300.00}
Product: Credit reporting or other personal consumer reports

I've obtained a copy of my consumer credit report from the three major credit bureaus to check the information reporting to ensure it was accurate according to USC title 15 1681i ( 5 ). 

I've waited 30 days to receive the investigation results which everything was still on reporting exactly the same on my credit report as the previous month. The credit reporting agencies XXXX, Equifax, and XXXX did not modify and/or remove any items on my credit report. 

The primary information being reported incorrectly are the payment histories on my XXXX XXXX XXXX, XXXX XXXX, and XXXX accounts. 

This is a violation of the Fair Credit Reporting Act which is harming me from obtaining funding to further my XXXX XXXX