23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

On XXXX XXXX, I received a letter from MB Financial Bank that was dated XXXX XXXX. This is relevant because it was time-sensitive. I was given 30 days from That date to respond. The letter was regarding Unclaimed Funds / Property that was due me. They asked for verification of my address and last four digits of my SS #. On Monday XXXX XXXX, I called and spoke with Customer Service, as well as a woman IN the XXXX department where the letter originated. I was assured that upon receipt of verification of my information and copy of State ID, that I would indeed be sent the check. I sent all info in the envelope They provided with their address including Dept. name XXXX. I know it was received. I called this morning to inquire. They would not speak to me, but Through Customer service, Denied they had even heard of me. The information I sent also included my phone #, e-mail address, and foolishly, a copy of my SS card .Customer service said they would " call me ''. I was ON the phone! why would they not only deny knowing anything about the letter, but not have the courtesy to speak to me. Tomorrow will be 30 days from the date of MB 's letter. I do n't want them claiming I did not respond in time. And shared this concern with the customer service woman., who assured me she would make sure that would not happen. She seemed as baffled as I am. In my conversation with the woman in XXXX on XXXX XXXX, they even told me where, locally, I could pick up the money. It had been sent, along with other deposits to a local Check Cashing store. Before I sent the information, I brought the letter to the store. They said the check was returned quite some time ago, and the bank should send it to me. In MB 's letter, was also included the ck. #. THEY contacted me, so why now are they denying all of this.?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX and Transunion on several occasions ( XX/XX/2019, XX/XX/2019, XX/XX/2019 XX/XX/2019 and XX/XX/2019 ) in regards to fraudulent accounts/public records on my credit report. They have done everything BUT follow the FCRA. They have refused to accept my FTC report/police report pursuant to Section 605B. Transunion is asking for another affidavit stating it does not look like an original when it  was printed from the website. XXXX has sent letters stating they can not locate my file. Then a letter confirming receipt of my letter mailed XX/XX/XXXX. They are not compliant with the FCRA. I have previously filed a complaint with CFPB and not only did they take longer than allotted to respond they did not fix the issue. XXXX  continues to ask for proof of identity which I have supplied SEVERAL times.
Product: Mortgage

Regarding Selene Finance : Recently I applied to refinance my home. The new company I'm working with says that I have a 30 day late payment for XX/XX/2017. I've submitted evidence of my XX/XX/2017 payment being paid on time yet they have continued to report it as 30 days late. They opened an investigation and somehow concluded that it wasn't paid on time, even though I sent them bank statements as well as the check from the bank, showing the date it was paid. ( This was last year when I tried to refiance then as well ) I've tried multiple times to speak with a supervisor of the company and every time I call, I'm told that I need to call back as they are too busy. I've called over 20 times now and still get the same response. Currently I have received a letter stating that they are investigating the situation again, just like they did back in 2017. This process takes up to 60 days and I'm currently trying to refinance my home with another lender, again. The new lender states that we are in jepordy of losing the rate lock due to the amount of time it is taking for my current company Selene Finance to fix their mistake. Please do something to get these people to fix what they messed up. 
Thank You, XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting and XXXX XXXX XXXX XXXX XXXX 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. 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

Re-aging can destroy a consumer 's credit. Violations of the FDCPA can result in civil penalties of up to {$2500.00} per violation. 

Also Data Breech
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : The information you see above is my most up-to-date personal information per the FCRA and Metro 2 compliance reporting standards ; if what you have on le for me doesn't match what's listed then there are problems with either your records or those who provide them for verication purposes because these two sets of rules must be followed precisely in order maintain accuracy when dealing with transactions like mine ( and others ). Therefore, please remove all personal information on le that does not match what I listed above. Furthermore, I want you to conrm the data you have on le. I am disputing any errors or omissions in reporting required by FCRA section 611 ( 15 U.S.C. 1681 I ) and METRO 2 compliance criteria. In order to comply with FCRA and METRO 2 compliance regulations, my prole must be accurate and thorough. You must nish your information verication within a reasonable time frame and be able to evaluate and conrm all of the information in my credit report. My credit history, as well as the following information, have never been validated or correctly reported. I will exercise my consumer rights by requesting that factually truthful, veriable, and compliant data be obtained and placed on my credit report. I also require that any mistakes be xed permanently and as of now! I will also need you to investigate the origins of each account and guarantee that each creditor has a legitimate basis for all queries on my credit record.
Product: Checking or savings account

On XX/XX/XXXX Capital One returned a payment for XXXX through XXXX. The charge was for {$760.00}. As the attached shows, at no time from XX/XX/XXXX to XX/XX/XXXX was my balance ever lower than the charge. As a result of the return, I was not only embarrassed, I was charged {$30.00}.
Product: Checking or savings account

On XX/XX/18 I opened an HSBC Advance online bank account. Shortly after, I have not been able to get access to this online account to transfer any money into it or do any other transaction. Since then I have called HSBC several times to have them resolve the issue with the online account. I have been put on very long holds up to 1 hour or more without any resolution. On one occasion, a representative took my number and told me that someone will call me back to resolve this issue. Nobody ever called since then. Subsequently, I have tried to close this account but have been unable to do so because again I am either being transferred or put on hold for a long time without any resolution. HSBC simply refuses to do anything. And I am sure, 30 days after my account opening they will begin charging their maintenance fees.
Product: Debt collection

I received a collection notice from Receivable Solutions , Inc. dated XX/XX/20. Yet, I received the notice on XX/XX/20. I also didn't receive a past due notice from the provider, XXXX XXXX XXXX prior to the collection notice. Due to Covid19, payment arrangements were made on the account to pay XXXX XXXX  monthly. In addition, the amount of the balance on the account is {$170.00} not {$220.00}. I paid {$50.00} on my account online on XX/XX/20 Receivable Solution used abusive collection tactics in failing to confirm the amount and whether a past due notice was mailed to me prior to placing this bill on my credit file, which has caused creditors to reduce my credit limits. I will be filing a lawsuit.
Product: Checking or savings account

hi my name is XXXX XXXX, phone number XXXX, chime acct number XXXX on XX/XX/XXXX there were some unauthorized transactions made on my chime account at differents locations in california, at differerents times starting XXXX XXXX all the way at XXXX XXXX to differents gas station so called XXXX XXXX XXXX XXXX. 

whoever did it, used my bank card information. I ve called chime bank they did not solved the problem, i ve filed a disputed still they didnot help me at all. 
im a single dad i work for XXXX, the total amount of transactions made that day was XXXX, i have prove that i was not at those locations, i live in XXXX  XXXX california , those transactions were mad at XXXX XXXX california , unfortunately chime bank have not solved the problems, i can not afford to loose my money with this difficult times we living, i work so hard for my money this is my son money, again im a single dad and my son depend on me, please help me solve this problem, sincerly.
Product: Debt collection

Since this is the second time filing the same complaint and it did n't go through I 'm going to keep this brief. This company bought out my student loan from XXXX XXXX who had then bought it out from XXXX XXXX. When I was on XXXX XXXX I was on a deferment when I got out of the XXXX the amount owed to this company almost doubled and nobody can give me an answer as to why. Now not only are they calling me 3 to 4 times a day, but, my parents are also receiving phone calls in the same company at their home phone number. So, we 're up to 6-8 calls/ day between the 2 numbers. They want me to sign a forbearance, but, I 'm not signing anything until I get an accounting as to why my student loans increased so dramatically while on XXXX XXXX. They should have been paid off a few years ago and now I owe a substantial amount still. And since I 've been unemployed for a year I have no way of making any sort of payment arrangements regardless.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been requesting the credit bureaus Equifax, XXXX and XXXX to remove outdated accounts from my report now for over 12 months. This is causing major problems with my credit scores as these accounts are now outdated and outside of the Statue of Limitations for the State of Delaware. I have sent several letters and copies of my credit reports to the bureaus to prove this matter and even sent these request to the collectors directly. Some have been deleted as request but a few are still reporting with no response as to why these have not been address since they are clearly outdated. At this point, I don't know what else I can do to have this corrected on my reports. I read online that I can submit a complaint here as I simply have no other options. Please help me with this matter as this is causing me issues with my employer and future purchasing options. 
I thank you in advance for your assistance and response.
Product: Debt collection

I have been battling United Revenue for a couple years now to get validity of a said debt. When I spoke with them they informed me to provide them with my Name, Social Security Number as well as my DOB and Address. I tried explaining to them that this is NOT my address and that I do not owe this money stated. They told me they would send me everything via mail but I never received anything to support this claim of me owing this bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting XXXX XXXX XXXX XXXX acct # XXXX Has violated my rights under section 15 U.S. Code 1681b that states- The creditor must have written instructions of the consumer to whom it relates to report any items on my credit report. 
This creditor does not have my written instruction or permission to report any items on my credit report furthermore I have no knowledge of this account and it belonging to me. I have sent letters requesting proof of this debt belonging to me and this agency refused to respond and provide the required documents according to the law.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information reported on my credit report regarding my XXXXXXXX XXXX  secured credit card account ( Account No. XXXX ). Below are the discrepancies I have identified : This account was opened as a secured credit card in XX/XX/XXXX, funded with {$300.00} of my personal funds. Currently, XXXX of the XXXX major credit reporting agencies, as well as Innovis, are reporting a past due balance of {$310.00} as of XX/XX/XXXX, despite the account being charged off with a {$610.00} write-off. Additionally, the reports reflect that the account was 30, 60, 90, and 120 days past due from XX/XX/XXXX through XX/XX/XXXX, while the balance remained at {$310.00}. When I contacted Innovis in XX/XX/XXXX to request documentation and allocation of payment, I was informed that an investigation would be completed and an updated consumer report sent. To this date I have not received a response, I also informed Innovis that I requested the account be closed and the {$300.00} security deposit I used to open the account was never refunded, leaving me uncertain as to how I owe {$610.00}.
Product: Vehicle loan or lease

XXXX XXXX XXXX for XXXX years lease have been trying to collect property taxes, after the affidavit for the term of the lease was sent, by XXXX and by email to the XXXX XXXX XXXX XXXX. XXXX has been trying yearly, either trying to commit fraud against the customer, or due to repetitive negligence by the personnel. Now after a year of ending the lease, they are again trying to unlawfully collect the taxes after the turn in settlement invoice was paid, and sending an extra one trying to collect amounts not owed, according to the State of Texas Law. Removal and correct application, for the exception to vehicles used for personal purposes was never present during the lease, and this company is negligent and breaches the FCRA, and the Law for the State of Texas.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.s. Code $ 1681c-2 a consumer 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 alleged identity theft, not later than 4 business days after the date of receipt. it has been 30 days and you are in violation of this law because i am a victim of identity theft!! 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 I've identified information on my credit report that is a result of identity theft. None of these transactions was made by me. Account Names as followed XXXX XX/XX/1923 XXXX
Product: Credit reporting or other personal consumer reports

I have no knowledge about these inquiries and the company conducted them without my consent. Kindly remove them, please.
Product: Prepaid card

I filed an original dispute on XX/XX/year> with Vanilla Gift Card regarding missing funds of {$300.00} from this gift card : XXXX. This card was given by parents as a XXXX grade teacher gift for my wife. Payment was refused at a garden center ; we thought the clerk did not know how to process a gift card. Later, I learned through the Vanilla website the card had a XXXX balance. Upon checking payment history, the entire {$300.00} balance was used at a spa in Michigan. We reside in Wisconsin and have never visited that spa. Someone must've been testing the balance with 3 separate sequential debits. As this was a gift, we don't have a receipt. 

I did not receive a reply from Vanilla for the original dispute beyond an automatic confirmation of receipt of my request. On XX/XX/year>, I replied to the XX/XX/XXXX dispute confirmation email and did not receive a reply. I called Vanilla at XXXX on XX/XX/year> to request an update and was told the dispute was closed. The agent advised the dispute has been reopened and this is the reason for this email. Vanilla sent an email confirmation of the closure of the case on XX/XX/year>. There was no return of funds ( dispute ticket XXXX ). 

This is a substantial amount of money, and Vanilla ( owned by " XXXX XXXX XXXX XXXX ) simply should not be allowed to dismiss this dispute without returning the funds. It is Vanilla 's failure to adequately ensure the prevention of fraud that has led to this financial loss. I hope CFPB can help us recover these funds from Vanilla and XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Im filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). 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 ( EFTA ) and Regulation E. These actions have cause significant inconvenience and financial loss, and i seek appropriate redress for those violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that i needed to take action. I pulled my credit report and there are many fraudulent accounts that do not belong to me. Please remove these fraudulent accounts from my report. XXXX XXXX XXXX XXXX {$230.00} XXXX XXXX {$1700.00} ARKANSAS XXXX {$720.00} XXXX  XXXX XXXX {$400.00} XXXX  XXXX {$1800.00} XXXX XXXX XXXX XXXX {$770.00} XXXX XXXX XXXX {$2000.00} XXXX  XXXX {$170.00} XXXX  XXXX {$670.00}
Product: Vehicle loan or lease

This letter serves as a formal complaint that I am reporting inaccurate and incomplete formation on my credit report. The notation of the following late payments are inaccurate. I ask that the two late payments be updated to PAANL status ( Paid as Agreed, Never Late ). I've submitted several disputes through XXXX and XXXX XXXX about the inaccuracies on my credit report which were denied. On XXXX, it's reporting the I have two late payments XXXX & XX/XX/XXXX. My XXXX is showing XX/XX/XXXX and XX/XX/XXXX. These are inaccurate and need to be removed and updated to PAANL. I've attached screenshots of these inconsistencies for the viewing of all. 

I want to bring the inconsistencies in my credit report to the attention of the cfpb, specifically pertaining to billing errors as outlined in 15 U.S. Code 1666 ( b ) under the billing error category : 1. The creditor 's failure to accurately reflect a payment made by the obligor or a credit issued to the obligor on a statement. 
2. A computation error or similar accounting error made by the creditor on a statement.
Product: Credit card or prepaid card

On XX/XX/2023 I contacted Capital One, address : XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX to advise Capital One that a transaction between myself and XXXX was no longer authorized after XXXX failed to provide a valid way in which to contact them to cancel a 30 day free subscription whereby Capital One credit card was given to XXXX, ending XXXX in the name of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NM XXXX. 
The Capital One employee who I spoke with, only identified as employee XXXX assured me that no charges would be allowed by XXXX and that I had nothing to worry about. The Capital One statement for XX/XX/2023 was received [ by mail ] with charges by XXXX in the amounts of {$26.00} ; {$100.00} ; and {$92.00} were applied to the small balance of {$380.00}! 
Capital One took action and a dispute against XXXX and issued me " temporary '' credits pending a response by XXXX. They've since rescinded the credits to my account after assuring me that XXXX would not charge any amounts to the card. Not only is this a bad business practice but they allowed unauthorized charges against my card and should be held responsible for crediting the amounts themselves.
Product: Credit reporting, credit repair services, or other personal consumer reports

I understand that is my right by law to dispute inaccurate information on my credit report and from my understanding the Transunion doesnt wish to allow me to exercise that right. I have mailed my dispute to them as of XXXX/XXXX/2023 and never received any correspondence from them in regards to my investigation into the matter as I was also a victim of a data breach from XXXX.
Product: Credit card

In XXXX/XXXX/XXXX I prepaid XXXX {$380.00} using my AMEX card. After I returned the car, XXXX charged my AMEX {$500.00}. I disputed the {$500.00} with AMEX and they reversed the charge, investigated and resolved the issue. Unknown to me, AMEX then disputed the {$380.00} but this amount was never credited back to my account. In XXXX XXXX, I received a letter and email from XXXX internal collections asking for the {$380.00}. I had multiple calls to AMEX about this issue and each time I was told I did not owe XXXX and they had been paid. XXXX collections presented me with a document stating they had not received the funds which I forwarded to AMEX. I heard nothing more and assumed it was resolved. On XXXX/XXXX/XXXX I received notification in the mail that my account had been sent to and outside collection agency for the {$380.00}. I called, explained the situation and was told that if AMEX provided written documentation that XXXX had been paid, they would stop the collection proceeding. I called AMEX and was told repeatedly that XXXX had been paid but everyone from initial phone rep, to supervisor, to supervisor of supervisor, refused to send me anything to confirm what they were telling me. They opened another dispute - even through I do n't dispute the charge and promised to expedite and call me back on a certain day and they did not keep the promise. I ca n't get anyone on the phone to help me - only promises and told I have to wait for the " investigation '' even through they investigated this same amount back in XXXX. I paid AMEX for the {$380.00} charge by XXXX but either AMEX did not pay XXXX or XXXX ca n't find the payment and I am being held responsible. No one at AMEX seems to be able to contact any one at XXXX. I have stellar credit history and do n't want anything to change this since it is not my fault. I need someone to intervene in this circle of corporate indifference and horrible customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX obtained a copy of my credit report without my permission on XX/XX/2018. I did not authorize this, and the inquiry needs to be removed immediately!
Product: Mortgage

1. My deceased husband 's property that he owned with his parents who are also deceased was foreclosed on XXXX XXXX 2016. According to the court records the foreclosure process was filed on the same date as when the paper work was supposedly served to my deceased husband. However, my husband was never served as he was hospitalized prior to his death during this time frame. 
2. Prior to his death, my husband, and our son tried multiple times to resolve the debt, but were mis-led by the debt collector on how to resolve the debt.