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

I tried to send a money order to my friend in XXXX for food and medicine for my dogs that she is keeping while i'm here like I have sent to her for the last day or two the very same transactions. My Charles Schwab debit card was declined so I called right then while i was still in the store. I had an appt in a few minutes so i wanted it fixed so i could finish then get on to my appt. The girl said it was flagged as a " fraudulent transaction ''. I told the XXXX  girl that i'm standing right in the store making the transactions myself just like i've done for the last several days so why are they just now saying it's fraudulent? Why not say that to all the ones i'd done before when it was the very same thing! XXXX!!!!! I had to hang up because i was late for appt. that was XXXX on XXXX. When i returned home about XXXX i tried to access my online account and couldn't. Said to call number so i did. NOW the XXXX  had locked me out of my online account too!!!!!!! What happened to me in the next 4 plus hours should never have to happen to a customer of any company ever!!! It was a nightmare! I lost count of how many people I spoke too but do know i was on hold off and on for 3 hours!!!!! Each person passing me to the next, the next, the next, without anything being done. Finally one of those  people got my online access to my account restored only to find that my debit card WAS STILL BLOCKED!!!!!! Now i have to start talking to a different round of people for that I find out!!! What I went through and what people told me can only be explained by listening to the " recorded line '' tapes and there are plenty of those. No one would believe these conversations without listening to them. Finally this XXXX person calls me after XXXX and says to me '' you will just have to wait til monday to use your debit card because the ONLY department that can fix ( what we erroniously XXXX XXXX ) your card has gone home til Monday!!!!!!!! So now let me understande what you are telling me, I said, that I am a XXXX yr old single woman with no family, trying to send money for food and medicine for my dogs, ca n't drive because of XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, have no food for 4 days, can't pay contractors that have already started working in my condo, can't pay plumber that is fixing my bathroom already, and can't do anything that requires money until at least Monday when these powerful people finally come back to work, is that what you're telling me? She said YES!!!!!!!!!!!!!!!!!!!! So here I am not able to send money for food for my dogs, not able to pay my workers, not able to buy food for at least 4 days and not able to access MY OWN MONEY FOR at least 4 days!!!!!!!!!!!!!!! For proof of this horrible nightmare you need to demand a copy of all of the " recorded line '' conversations that i had with all the people who rejected me!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

As it pertains to the  XXXX  's account on my profile, it contains many inaccuracy that  XXXX  has not made a fair attempt to correct.  <P/> I have requested both verification and validation information to be forwarded to me and  XXXX  has failed to provide this information.  <P/> Furthermore the CRA has violated several federal laws in regards to debt reporting acts in regards to this account on my profile.  <P/> Included you will find several correspondences in regards to this account and how the CRA has responded.  <P/>   One major fact to consider is 15 U.S.C. 1681s-2 and FCRA 623 ( a ) ( 3 ).
<P/>
If this creditor does not deleted from my profile, I will proceed to a small claims action against TransUnion 's reporting practices.
Product: Debt collection

reached to company explained that I didn't know about debt and it wasn't mine. Dispute open with all creditors. 
Professional Debt Mediation {$9400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been attempting to release or unfreeze my Equifax credit report since XXXX of XXXX. After, approximately, XXXX plus hours of long conversations with many different representatives I have been told different things from different representatives. Some have stated that I am not who I say I am. I have mailed, twice, a photo copy of my drivers license and social security card with a written later stating that I want my credit report from equifax. Both times they have responded that this is not sufficient and that I need to send them again. I have been told by XXXX representatives that my report is open and available yet I am still unable to access my credit report or apply for new credit. I have been told by XXXX separate representatives that I am not XXXX XXXX XXXX even though I have told them all the information that they requested correctly according to my XXXX other credit reports from XXXX, and XXXX. This is costing me up to {$80000.00} i should be saving by refinancing my mortgage but I am unable to because of the impossibly absurd business practices of equifax. Please help.
Product: Credit reporting or other personal consumer reports

Request for Method of Verification Under FCRA Dear Sir/Madam, I recently disputed the accuracy of certain information on my credit report, and I have received your response. However, I am not satisfied with the outcome of the reinvestigation. Therefore, I am writing to request the method of verification for the following disputed item ( s ) : Disputed Item ( s ) : XXXX. Please remove the following inaccurate address from my credit report : XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX Reason for Dispute : Multiple inaccuracies. You did not conduct a proper investigation as such I request removal of this account from my credit report. 
XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX Reason for Dispute : Multiple inaccuracies. You did not conduct a proper investigation as such I request removal of this account from my credit report. 
XXXX. Account Name : XXXX XXXX Account Number : XXXX Reason for Dispute : Multiple inaccuracies. You did not conduct a proper investigation as such I request removal of this account from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 7 ), I have the right to request " a description of the procedure used to determine the accuracy and completeness of the information. '' Additionally, FCRA Section 607 ( b ) requires that credit reporting agencies " follow reasonable procedures to assure maximum possible accuracy of the information '' contained in consumer reports. 
Please provide the specific details on how the investigation was conducted, including : XXXX. The name, address, and telephone number of the person or entity that verified the information. 
XXXX. The method and sources used for verification. 
I appreciate your prompt attention to this matter and look forward to your detailed response as required by law. Sincerely, XXXX XXXX
Product: Bank account or service

I took XXXX money orders in the bank I received and specifically ask the clerk to check them to see if they are good. she came back and yes and deposit the money Into my acct. And said that the money was available immediately. I took out XXXX then 4 days later they said XXXX money orders came back bad .I went to bank with XXXX to pay for all the MoneyOrders. even thou the last one still was n't back. The banker took the balance of the XXXX money orders and put the rest into my acct. Knowing that the last money order was coming back as well. The next day I called to inquire about the last money order and was told that it came back and it was clear. So I used the money in my acct. And XXXX days later they called and said that the last money order came back bad. I was threaten that if I did n't pay for money orders it would come out of my ssi that 's direct deposited I refused to pay the last of the money order so they turned me into check systems. but I was removed and beat that. I was n't aware that the money orders were part of a scam. So I was a victim and then the back lousey excuse for there failure is more then impossible to believe. It still haunts me today. I tried to do the right thing and the bank made it worse then the scammer. They tried to deny that the bank told me the last money order was clear. It was a lie because when I was over drawn for the XXXX money orders they blocked my atm card until I paid the balance they activated it again well that bite it did n't work so that 's when I called the bank to see why and that 's when they told me that last money order was cleared. And apparently it was n't according to there statement. But the atm alloys me to take XXXX extra from it. Does n't make any since the atm will not do that. They were holding on to this last m money order until I spent the money. It does n't make " since if there was XXXX money orders only XXXX came back. No way ... this is how I came to be aware of the debit credit that they all of a sudden made up. There is no such thing and everybody who has one is being ripped off. If you look on most banks web sites they donot say anyhing about a bedit credit card.only is it a credit card is when you ca n't put your pin no. In for a transaction. Who new this?? Who new that when you pay your Bill 's at home or online that they are n't being paid for maybe XXXX days. That your money comes out of the bank and made a iou slip until the merchant comes picked it up. In the mean time use your card as debit and you can use the money you had for Bill 's. Then you become overdrawn and the bank charges you a fee. Its ironic how America waant aware of banks doing this to your card. I knowv citibank and XXXX XXXX XXXX does n't even mention this type of card. it 's either a debit card or a atm card. Wake up America the banks are stealing your money and living on your bank fees..
Product: Credit reporting or other personal consumer reports

I am sending to formally request an investigation into the accuracy of certain accounts listed on my credit profile, which appear to contain errors. Under the Fair Credit Reporting Act, 15 USC 1681i, you are required to complete your investigation within 30 days. 

The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I am formally complaining against SANTANDER CONSUMER USA I for a number of consumer laws that they are in violation of. 15USC1681 ( A ) ( 2 ) dealing with exclusions and how I never gave them the right to report any of my transactions to any 3rd party ( XXXX, XXXX and XXXX ) along with 15USC6801 and 15 USC6802 ( A ) ( B ) ( C ). 

I have contacted SANTANDER CONSUMER USA who has been totally non compliant through this entire process and has been adamant about breaking consumer laws. I asked the CFPB to step in and make sure that SANTANDER CONSUMER USA stand by and address the issues that I noted in consumer law and not to continue to disregard the rights of consumers.
Product: Debt collection

This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior to posting, I was not notified of this alleged debt. As the original creditor, only I can validate this debt. I do not validate this debt. 

Carter-Young received a cease and desist, sent via certified mail. This debt collector 's response failed to VALIDATE this debt and they violated HIPPA by sending documentation of my medical records. This collection agency did not receive any authorization from me to access my medical records.
Product: Credit reporting or other personal consumer reports

VALIDATION AND CEASE AND DESIST XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Dear XXXX XXXX XXXX XXXX XXXX recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information The name and address of the original creditor and the current creditor.

1. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

2. Full complete and correct social security number to help identify me as the correct person you are trying to collect from 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

Since this is my second request, I will also beI provided the reasons for disputing the information. I have enclosed it again sending a copy of this letter to the Federal Trade Commission to inform them that I have proof of sending letters to you and that you have not complied with my request. Additionally Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), Fair Debt Collection Practices Act ( FDCPA ) I am entitled to dispute inaccurate information on my credit report and expect a thorough investigation of my claims, I have reported this matter to the Consumer Financial Protection Bureau ( CFPB ) and the XXXX XXXX XXXX XXXX XXXX XXXX to seek their assistance in resolving this issue. 

Please find below my reasons for dispute XXXX XXXX XXXX XXXX XXXXXXXX and the following inquirires XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I have been using US Bank ReliaCard Bill Pay for years. I have myself setup as a payee with my home address. In the past they have always issued a paper check that has been sent to my house. On XX/XX/XXXX, I logged into US Banks bill pay as normal and requested {$2000.00}. They deducted the money from my account but I never received the check. I called multiple times to see what happened to my money and tickets where opened. On XX/XX/XXXX, I requested another bill payment for {$2000.00} and the funds were automatically. On this same day, I called US Bank again to find out the status of my XX/XX/XXXX dispute. During this call the rep told me the funds were wired to an account so I would probably have the same issue with the XX/XX/XXXX request. Within 3-10 minutes of me submitting the request she sent a cancelation request. When I called again today they said they didn't process the cancellation in time and they deducted another {$2000.00} and wired it to somewhere I did not request. On one of my calls today, we discovered this may have happened to another bill pay request of {$2000.00} on XX/XX/XXXX. In summary, {$4000.00} for sure and possibly {$6000.00} were withdrawn from my account and not sent to me. They were wired to some account that is not mine. In summary, I had myself set up in as a payee in bill pay to receive a paper check when I needed to get money and instead of following the delivery method, they auto wired it to some account that I didn't set up. Thus far, I have been unable to get my money back into my account and I have no idea where the bank/bill pay partner deposited it. They need to get my money back from wherever they sent it and deposit it back in my account. There should have been no wire transfers. This has been an extreme hardship.
Product: Credit reporting or other personal consumer reports

My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by XXXX. Dispite sending them the letters, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, XXXX, XXXX and TransUnion have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the accounts that are still reporting on my accounts : XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ; Inquiries : XXXX XXXX XXXX Inquiry Date XX/XX/2023, XXXX XXXX XXXX Inquiry Date XX/XX/2023 XXXX XXXX XXXX XXXX Inquiry Date XX/XX/2023 XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/2023, XXXX XXXX Inquiry Date XX/XX/2023, XXXX XXXX XXXX XXXX Inquiry Date XX/XX/2023, XXXX XXXX XX/XX/2023, XXXX XXXX XXXX XXXX Inquiry Date XX/XX/2023 XXXX XXXX XXXX Inquiry Date XX/XX/2023, XXXX XXXX  XXXX Inquiry Date XX/XX/2023 XXXX XXXX XXXX XXXX Inquiry Date XX/XX/2023, XXXX XXXX Inquiry Date XX/XX/2023, XXXX XXXX XXXX Inquiry Date XX/XX/2023 and XXXX XXXX XXXX Inquiry Date XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called your department after I purchased a credit report with XXXX XXXX on XXXX. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that this was CHARGE OFF account on my credit report. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud account on my credit report all this time just today I have a charge off that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with this account listed below, so please help me remove this charge off, including this incorrect information from my personal profile. A copy of my Bank Statement, drivers License, and SSN for my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 

PLEASE DELETE THIS FRAUDULENT ITEM : XXXX XXXX XXXX XXXX XXXX .Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau XXXX and the XXXX XXXX XXXX  XXXX Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my driver 's license, W2, and current Bank Statement as verification of my ONLY address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to check my credit report and they had disputed stuff that I didnt dispute and called to ask the credit repair company if they disputed those items and they did not and would not dispute those because they do not dispute positive items. I believe this was done in retaliation for the last complaint and would like to talk to a manager. Because since last complaint they still are reporting incorrect information like they are reporting XXXX XXXX  as correct these were placed in bankruptcy and they are still reporting it as if it is active. Now this is getting crazy why would I dispute positive information to increase my score. I will give my sign in information so that it can be looked at. They are really trying hard to not remove anything while the others have removed the very thing I have disputed then added a new account thT they say is mine such as XXXX XXXX that was opened this year. I have not used XXXX XXXX at all this year and disputed it and they stated they are looking into it I know this is fraudulent activity in their part. They are disputing all the new credit XXXX the positive ) I have against me. I want the disputed on my new information taken off immediately and I want to talk to a manager.
Product: Credit card

XX/XX/XXXX I purchased artwork from Wayfair for {$170.00} using my Wayfair Mastercard / CBNA Account # XXXX XX/XX/XXXX I paid {$170.00} through my bank 's " bill pay '' module. Wayfair recorded it to an old Wayfair Account # XXXX. I am unable to pull up that account for backup ; however, I have 2 attachments from my bank documenting this. 
XX/XX/XXXX Wayfair refunded the {$170.00} to my bank account. 
XX/XX/XXXX I made a second payment of {$170.00} through my bank 's " bill pay '' module specifically to the new Account # XXXX This is the payment my bank subtracted from my account on XX/XX/XXXX and Wayfair " could never find '' or they applied it to the wrong account or they just lost it. I spoke with them and mailed backup to them at several different addresses about twice weekly. My backup for this is almost an inch thick! 
For example, I mailed one letter certified return receipt. I received it back saying they were temporarily not accepting mail at this time! 
XX/XX/XXXXXXXX XXXX  reported me 2 months delinquent on my credit report reducing my score over XXXX points to XXXX. I take my credit score very seriously, at one time this year having it at XXXX. 
More home calls, more letters. I got XXXX involved, but, even with proper backup documentation they couldn't change my report- Per my phone calls, CBNA certifies their information was correct. CBNA apologized twice and said they would contact XXXX to correct this, but after weeks, I have heard nothing. 
XX/XX/XXXX I finally decided their help was useless and had my bank stop payment on the check and I mailed a payment for the THIRD TIME- check # XXXX  for {$170.00} and it was finally cashed on XXXX XXXX. 
XXXX, XX/XX/XXXX, and XX/XX/XXXX Among the personnel in management that now promised to fix my credit report were : XX/XX/XXXXXXXX XXXX XXXX XXXX in Idaho, and XX/XX/XXXXXXXX XXXX in Idaho. Still no fix. 
Present I need someone to fix my credit report to show I paid on time. THREE TIMES! 
Please, please contact me if you need any addditional information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Began the relationship I'm XXXX of 2021, at a monthly charge of XXXX. Was told on the phone that one of the specific issues on my report could be handled and removed by the firm. It was not. Continued paying for 8 months now. Attempted to leave once before and was given a discount with a " we can try this instead '' more paperwork to sign. Documents supposedly sent off to credit companies. Canceled today. Upon attempting to cancel was again given a " we can try this different option '' to gain more headway. At every checkup simply told.to wait another 60-90 days with no update. Collecting money all the while. It seems to be the majority of the process is automated and extra action is only taken when you threaten to leave. 8 months later and there has been no removal of any item from my report as well as no information given as to why. I can't even prove for sure if any of these documents were actually sent to the correct places or not. Di not recommend this service at all. It's simply a money grab to keep you on the hook for services that are never performed.