23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I been trying to get my money every sense XX/XX/XXXX and still as of today I still have nothing I have all the supervisors names I have talked to I kept a record of every time and date and names of whom I have spoken to no one seem to want to help me get my money i 'm on the erge of being homeless I have my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX .I keep calling and calling to the point they know that I have been calling every sense XX/XX/XXXX its now XX/XX/XXXX I just called them today as at XXXX XXXX I really do n't know what more to do I have  done everything that they have asked me to do I now have 4 pay roll checks on a card that I ca n't even use here is the amounts : {$240.00}, {$550.00}, {$800.00}, {$840.00} and I ca n't get none of my money they keep giving me a run around and I do n't this is fair to me what so every.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction and frustration regarding the repeated failures in opening my accounts with Credit Bureaus. Despite numerous attempts, it is disheartening to inform you that the issue of delayed account activation has not been resolved. 

To provide context and a timeline of events : After completing the required documentation and following all the procedures outlined by your team, I expected my accounts to be activated within a reasonable timeframe. 

However, despite your assurances, my accounts remained inactive well beyond the promised activation date, causing significant inconvenience and disruption to my financial affairs. 

Despite my initial complaint, I received no communication or updates regarding the status of my accounts. There was no improvement in their activation. 

Subsequently, I made several follow-up inquiries to your customer service department, seeking information about the status of my accounts. Each time, I was met with vague responses and no concrete action taken to resolve the issue. 

After the lack of progress and numerous attempts to rectify the situation, I filed a second complaint. At this point, I had already faced considerable financial losses and substantial inconvenience due to the unavailability of my accounts. 

This ongoing delay in opening my accounts has caused me immense frustration and financial hardship. I am deeply disappointed by the lack of attention and resolution from your end despite my continuous efforts to seek assistance. 

I urgently request that you take immediate and concrete actions to rectify this situation. I expect a swift resolution to the issue, including the activation of my accounts and access to all associated services within the specified timeframe. Furthermore, I insist on receiving regular updates regarding the progress of this matter to ensure transparency and accountability. 

If my accounts are not activated and accessible within the specified timeframe, I will have no choice but to escalate this matter further, including reporting it to relevant regulatory authorities and seeking legal remedies to protect my rights as a customer. I trust that such actions can be avoided, and I hope for a timely and amicable resolution. With this, I am asking for your assistance to correct these accounts in my credit file : DEPTEDXXXX XXXX Balance Owed : {$3700.00} ; DEPTEDXXXX XXXX Balance Owed : {$2000.00}.
Product: Checking or savings account

I opened dispute for {$140.00} with capital one for a purchase that i never receive online order. I never received by merchant it said it was delivered I did contact the merchant and reported this matter. They did nothing. The company never send my me a replacement or refund. Upon asking they keep asking for a PROOF report. I open disputes with my bank capital one and provisional credit was given but on XX/XX/XXXX they took the provisional credit from my account. I called and asked why they're customer service is wrost in thier fraud department. This woman don't know what she doing. Upon speaking with manher she also lied that someone get back with me 3-5 business day I have called multiple times and want to talk to my case worker all I get is someone FROM BACK DEPARTMENT WILL CONTACT IN MY EMAIL???? What! It been 2 weeks I never heard from anyone i have wrote multiple emails myself and never heard back. All I was told that they finished my dispute saying the package was delivered. The case is close?? I'm trying my best to explain this matter to this bank. But I don't have the package either it lost or stolen?? And they never send me replacement or refund. But bank went with that statement and never helped me get my money back??? This is wrost way to handle a dispute. And the only Communication through email??? I need my lost money back from this company???
Product: Credit reporting or other personal consumer reports

The following investigations were done by all 3 bureaus and only XXXX has removed the specified accounts. All of these accounts are still listed with Equifax XXXX XXXX, if XXXX has removed them all why do these 2 bureaus still have them listed on my report. 

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 Including all inquiries that have been disputed as well
Product: Money transfer, virtual currency, or money service

On the XX/XX/2018 I withdrew XXXX from a company called Coinbase. I was promised the funds in 2-5 working days. After a week I contacted them and they had said the transfer was complete and it was my banks fault. After many calls to my bank I found out that Coinbase used XXXX as a middle bank to transfer it to mine and they forgot to tell XXXX where the money was going. After numerous emails to their support team Coinbase have left me in the dark.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please correct the accounts, or inaccurate information, from my file immediately & send me the results to the address. 

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

I continue to ask both the credit agency and the furnisher, to please provide me with verification of the debt in question, because I have an adult son with the same exact name. Experian continues to put addresses that I have not lived at, but my son has on my credit profile. When I have reached out to both about not only the method or verification, but also some kind of proof. 
They both just send me letters saying it has been verified. I sent these same issues to XXXX and they have all been removed. XXXX and Experian continue to play these games saying its been verified or they update it with even more wrong information. 
I have attached screen shots from both credit bureaus of the accounts in question, and XXXX asking for physical proof to not only be sent to me, but also a copy sent to the CFPB as well. I want all these negative accounts that have no proof of belonging to me removed from ALL my credit reports. 
XXXX XXXX  XXXX not only have different dates closed, and is also missing payment history, and the information on the account is incomplete. Offer some physical proof this account does indeed belong to me or remove it! 
XXXX XXXX XXXX XXXX # XXXX is also missing information on payment history. Please provide some physical proof that is account belongs to me, or remove it! 
XXXX XXXX XXXX XXXX XXXXXXXX this account is showing different close dates and missing payment history. This account is incomplete. Please provide physical proof this account does belong to me or remove it! 
XXXX XXXX XXXXXXXX Is missing payment history, shows inaccurate information and shows late 120 days XXXX months. Please provide physical proof this account belongs to me or remove it! 
XXXXXXXX XXXX XXXX # XXXX This account shows inaccurate XXXX shows the account closed XX/XX/20 and Experian shows it closed in XXXX with back-to-back 120 months. Not sure how this was verified as accurate with all this mistakes. Please show proof this account belongs to me or remove it! 
XXXX XXXX XXXX This account is on my report multiple times with different information. I have an active XXXX account that I sin good standing and they have this mixed negative account on my reports also. I have missing information, inaccurate information. Please provide proof that the NEGATIVE accounts on my account belong to me with some kind of physical proof. If not remove the NEGATIVE accounts from my profiles! 
XXXX XXXX XXXX # XXXX This account is missing payment information, and has yet to verify that it belongs to me. Please provide some type of proof this account belongs to me. How was it opened and closed in the same month with missing payment history.
Product: Debt collection

Wo n't return my escrow, even though I 've asked for the balance for over 14 months. In addition, unsubstantiated {$90.00} per month fee. Have submitted documentation multiple time without satisfation
Product: Credit card or prepaid card

My credit score went down 88 points because of a missed or delinquent payment to a credit card that I didn't know I had. When I reviewed my credit report, it showed an account opened for a credit card through SYNCB/PPC. When I called the number listed, it said it was PayPal Credit. Although, I do have a Paypal account, I NEVER opened a credit card, nor gave permission for a credit card account to be opened with PayPal, or Synchrony Bank. 

My credit report shows this fraudulent account was opened on XX/XX/XXXX. It also shows 3 payments made on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, which I never made because I didn't know the account existed. Now the account is showing as closed and this information was last reported to the credit bureaus on XX/XX/XXXX and my credit report shows that I have missed 3 payments and have a delinquent account, thus hurting my credit score. 

When I called the number provided on the credit report for the credit card company SYNCB/PPC  the operator named XXXX quickly asked twice what my name was, but didn't give me a chance to speak, then said " Since I have received no response, I am ending this call '' and hung up on me. I tried immediately to call back and the call would not go through. I also called PayPal to dispute this account and the agent told me that I do not have a credit card account with PayPal and the resolution center on the PayPal website will not let me make a dispute because it is showing that I do not have the credit card account. 

I have filed a dispute with all 3 credit bureaus. What else can be done with this situation?
Product: Mortgage

I requested for an Assumptions Package, which I did via email sent to their XXXX email address. That was XXXXXXXX XXXX XXXX and I sent follow-up emails on XXXXXXXX XXXX XXXX and XXXXXXXX XXXX XXXX plus sent messages related to this using the company 's Secure Message facility. On XXXX XXXX XXXX I got an email saying they have a backlog and asked me to just be patient and wait. On XXXX XXXX XXXX and then again on XXXXXXXX XXXX XXXX I sent follow-up emails and messages again and finally got a reply to my last note saying I would get a reply on XXXXXXXX XXXX XXXX. However, I did not get anything so I sent another follow-up request on XXXX XXXX XXXX and still no reply. Its been almost 3 months now since XXXXXXXX XXXX XXXX when I first sent my original request and I can't understand why the company keeps avoiding to satisfy my request. Even if they have a backlog it should not take this long a time to get back to me especially on a very important matter. I had requested for a name and phone number to call regarding this and they keep ignoring that request also, and the general XXXX number that you can call will just tell you to submit a message request using their Secured message facility.
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'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX Credit Bureau is reporting inaccurate information on AMER FST FIN. Please change the status to Paid or simply " Remove '' the account, and where is the proof of payment history for this account? These statuses are damaging to my report, which would not be happening if the bureau investigated properly and before posting derogatory information. Per FCRA, reporting must be 100 % accurate or this MUST be deleted.
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. 

XXXX  # XXXX, and XXXX XXXX XXXX XXXX # XXXX. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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: Debt collection

I sent this company a letter asking for validation of debt and received an unsigned document I also asked this company to stop calling me and only contact me via mail.. I have been repeatedly called this is against 15 usc 1692c also a violation of the fcra I have saved voicemails if needed
Product: Credit reporting or other personal consumer reports

I have identified these items on my credit report that are a result of XXXX XXXX. These items are not related to any transactions completed by me. 
The items are as follows : XXXX XXXX XXXX and XXXX XXXX XXXX XXXX as well as the Hard Inquiry listed from : XXXX. I am requesting the immediate removal and/or blockage of all listed items. Each of these companies listing these transactions have already violated my right to be notified of the debt and my right to dispute the debt by just attaching themselves to my credit profile.
Product: Credit reporting or other personal consumer reports

The company, XXXX Fed XXXX XXXX, claims that I and my son are joint account holders on my wife 's credit card account. My wife passed away last year, XX/XX/XXXX, and since then we have obtained a court order of XXXX 's XXXX, signed by a probate court judge, declaring that my late wife 's estate is empty. This order was filed XX/XX/XXXX. XXXX XXXX  claims that my son and I are joint account holders, which makes us liable for the credit card balance of {$21000.00} as of last XXXX. Neither myself nor my son has ever signed a joint account holder agreement, but it is XXXX XXXX XXXX contention that we are signatories on documents they have and they will not share copies of these documents. After several times on the phone with them, I did get XXXX representative to describe the signature purported to belong to my son. What she described has no correlation whatsoever to my son 's handwriting style. It is my opinion that if such a document even exists, it was my late wife who signed both our names to the joint account document without our knowledge. At XXXX point, another representative said he would file a fraud claim on my behalf for signature identity theft. This claim was dated on XX/XX/XXXX and was subsequently denied by XXXX XXXX XXXX fraud department. The disputed amount is appearing on both my and my son 's credit report scores, and it is preventing him from getting an apartment due to the bad credit from this unpaid account. We wish only to have this removed from both of our credit reports, as we have never signed such an agreement.
Product: Bank account or service

My landscaper ( XXXX XXXX ) notified me that he had received a notice, dated XXXX/XXXX/16, from his bank ( Wells Fargo ) that a {$300.00} check that I have given him on my XXXX checking account had been returned for insufficient funds. Since he had deposited the check in his Wells Fargo account, Wells Fargo notified him that they were placing a hold on the funds and resubmitting the check for payment. 
Since I keep XXXX dollars in my XXXX account and have an overdraft protection feature, I went to my XXXX branch to investigate why the item was returned. On XXXX investigation, it appears the check was paid on XXXX/XXXX/16 and not returned for insufficient funds. I find the sequence of events and dates to be highly suspicious. The sequence is as follows : Check written on XXXX/XXXX/16, Deposit Date XXXX/XXXX/16, Check paid by XXXX on XXXX/XXXX/16, Hold notice sent for insufficient funds dated XXXX/XXXX/16. Plus, there is no indication in my XXXX account history of any returned items. I am suspicious that Wells Fargo is placing unjustified holds on customer accounts, as in this case and collecting hold fees as indicated in the notice or use of the funds while not credited their customers accounts.
Product: Checking or savings account

I have a XXXX XXXX XXXX XXXX through work that is managed by ADP. The limit for XXXX contributions for 2025 is {$23000.00}. However, there is no option to set your contribution to the maximum. The only option is to select a percentage of your paycheck to go into your XXXX. The user interface does not allow for users to put decimal points in the percentage either, so it's not possible ( or not easy ) to maximize your XXXX contributions for the year.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX Date Opened : XX/XX/XXXXXXXX  Balance Owed : {$0.00} - Charge off XXXX XXXXXXXX Date Opened : XX/XX/XXXXXXXX  Balance Owed : {$0.00} - Late/Closed
Product: Credit card

I am writing to file a formal complaint regarding a promotional bonus that was not issued to me by Bank of America ( BOA ) as advertised. 

In XX/XX/XXXX, I opened a credit card at a BOA branch with the understanding that I would receive a {$200.00} bonus for spending {$1000.00} within the first 90 days of account opening, as per the promotional offer. The banker I worked with assured me after confirming multiple times that the promotional bonus code had been properly applied to my account. However, after completing the required spending within the 90-day period, I did not receive the bonus. 

Upon returning to the branch for clarification, the banker informed me that the reason for not receiving the bonus was likely because I had opened a secured credit card. The banker advised me that I could contact BOA after 6 months to a year to convert the secured card into an unsecured card, and at that time, I could be eligible for the bonus. 

On XX/XX/XXXX, I contacted BOA customer service, and they successfully converted my secured card to an unsecured card. However, they informed me that the promotional bonus could not be issued, citing that I had not opened a " credit card '' under the promotional offer. 

This is unacceptable for the following reasons : The advertisement for the promotion did not explicitly exclude secured credit cards. 
The banker at the branch assured us multiple times that the promotional code was applied and that we would receive the bonus upon meeting the spending requirement. 
BoA 's reasoning contradicts the initial communication we received at the time of account opening.
Product: Money transfers

In XXXX 2015, I received XXXX separate deposits of {$100.00} each on the same day to my paypal account. I immediately requested the total amount of {$200.00} to be transferred from my paypal account to my checking account. It is months later and I still do not have the {$200.00}. I reached out to paypal numerous times by phone and email to try to resolve this issue and still have no resolution. I just want my money. I have even had successful transactions since so there is n't an issue with my accounts nor my account numbers. They are in violation of the California state 's Money Transmission Act section 1841 which reads : '' Every licensee or its agent shall forward all money received for transmission or give instructions committing equivalent money to the person designated by the customer within 10 days after receiving that money, unless otherwise ordered by his or her customer. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a credit report dispute with the Experian XXXX and XXXX. I have inaccurate information reporting on my credit reports and it is hindering my ability to obtain credit. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. My initial dispute was sent XX/XX/2020 and the 30 Day demand to comply was sent on XX/XX/2020.
Product: Debt collection

Collection agency- Southwest XXXXecovery Services,XXXX  XXXX XXXX , XXXX, Tx XXXX , continues to call ( using Robo caller ). 
Called this date ( XX/XX/28 ), @ XXXX Pm. 
This collection agency was notified with a Cease & Desist letter, weeks ago. 
I have received numerous Robo calls originated by this collection agency. 
Received a threatening call concerning a Medical claim that came from Southwest recovery- This is in violation of the Federal Fair Debt Collection Act!