23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

As of today, XXXX XXXX, 2016 I pulled my credit with XXXX and noticed that a new collection has been placed on my account. I also noticed that this was under a name and address not associated with me. I have recently, as of XXXX XXXX filed multiple complaints with the CFPB, FTC and all three ( XXXX, XXXX and XXXX ) concerning identity theft. I also understand that the original creditor is XXXX XXXX XXXX, to which I have never had an account. My wife and I have always split our utilities and she has always had XXXX XXXX XXXX in her name. Even so, her name as is mine, is not similar to the name being reported on my credit report. This needs to be removed immediately because this is indicative of identity theft.
Product: Credit card or prepaid card

On XX/XX/2019, I visited the United Airlines website to purchase an airline ticket. United was offering the United Explorer Card through Chase with the following perks : XXXX bonus miles and {$100.00} Statement Credit after your first purchase. I clicked on the link, filled out the application, and my application was immediately accepted. Upon receiving the card in the mail, I proceeded to make my airline purchase. I noticed after I received my statement that I did not get the {$100.00} statement credit. On XX/XX/2019 I went back to the United Airlines website to look at the specific offer and the offer was still advertised ( XXXX bonus miles and {$100.00} statement credit ) it was the exact same offer I applied for. The offer is available to everyone and anyone who clicks on the link. When you click on the link you are not give an offer code or invitation number. I was able to access that same offer from my personal home computer, my work computer, and my phone. On XX/XX/2019, I wrote Chase an email to inquire about my {$100.00} Statement Credit but they refused to give me the statement credit. They claim that since I applied online something could have happened with the link and I was given a different offer and there is nothing they could do about it. I even sent them a PDF of the offer with the terms. Chase is advertising one thing, then giving the consumer something else and that is false advertising. Im going to cancel the credit card after I complete my trip but that will have a negative impact on my credit score. I have a very good credit score and have never had any problems with any other credit card. Chase is running a scam by advertising one thing and then changing the terms after you apply online.
Product: Checking or savings account

I am filing a complain with the CFPB regarding capital ones failure to deposit my direct deposit from one of my employers. Capital one has cited technical issues, which may violate the electronic funds transfer act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.

It should be noted I received one deposit from company friends and family my part time employer however I have not received direct deposit from my
full time employer XXXX XXXX XXXX XXXX. I was supposed to have early pay on XX/XX/XXXX today is XX/XX/XXXX and I have still to be paid.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report. XXXX XXXX Balance : {$110.00} ; XXXX XXXX XXXX XXXX Balance : {$20.00} ; DEPT OF ED/XXXX  XXXX Balance : {$670.00} ; DEPT OF ED/XXXX XXXXXXXX Balance : {$1900.00}.
Product: Checking or savings account

This complaint is Part of complaint # XXXX Chase is making it impossible for me to reclaim the funds they have, Chase has told me the only way to get my funds returned is to have the company that issued the check to do a stop payment.

The Issuing banks wont put a stop payment on the checks because all the checks have already cleared and chase received the funds ... I have been on the phone with chase support for hours and i have not been able to get any where. I have emailed any Chase employee i could find to try and get this resolved. This seems like it is being done on purpose. Their are hundred of complaints about chase doing this same thing. Closing a customer 's checking account and holding the deposited funds making it impossible for the funds to be reclaimed. If i did this to chase i would be called a bank XXXX and thrown in jail for 20 years. Chase gets to do this with impunity and not only do they not get in trouble the customer either loses the funds or spends hours and hours of their time trying to rectify. 

I am really at my witts end. My bills are late. I have not paid my rent for XXXX. 


Is there anything that is going to be done about this?
Product: Consumer Loan

I am the primary contract holder on an account with VolksWagon Finance Company. The secondary signer filed bankruptcy. This account was not included in the bankruptcy case. VW Finance blocked my access to online payments and stopped sending my monthly statements, eventhough this account is not included in the bankruptcy case and I have not filed for bankruptcy. I have called several times to get a print out of my account. The rep states that account is current, but they are unable to email or mail me a statement. I am referred to a Debt Collection Company. I keep trying to explain that the account is not being paid by a collection company. I have not received any statements of my account from the company. When I call the number that is given for the company, the rep says they will email a statement to the lawyer who handled the case and he will forward it to the client who filed bankruptcy. She has not received anything. When she contacted the lawyer, he stated he would mail it or forward it in an email when he received it, but he never did. I do not understand why I can not get a statement of my payments and balance as a contract holder when I am making payments every month and have never been late.
Product: Debt collection

I am not liable for this debt with XXXX XXXX and I do not have a contract with AFNI plus they did not provide me with the original application like I asked. 

Account XXXX Amount Disputed : {$2100.00}
Product: Debt collection

Transworld System , Inc. ( XXXX ) has repeatedly called my home several times a day for over a week. Knowing that we do not have any late bills, we called them back to day ( XX/XX/2016 ). The agent who answered asked for the ID number that they left on our answering machine. She asked me if I was XXXX and I said no. when she asked me who I was, I told her I was her mother. I then asked what debt my daughter supposedly owed and she refused to tell me. When I told her that my daughter was dead for over 11 yrs. and again asked what the supposed debt was, she refused to tell me and hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXXL XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX there is some inaccurate information reporting. XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. XXXX there is some inaccurate information reporting. XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 9. there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Please remove it from my credit report. XXXX there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Please remove it from my credit report. XXXX there is some inaccurate information reporting. XXXX XXXX  Account Number : XXXX Please remove it from my credit report. XXXX there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Please remove it from my credit report. XXXX there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. XXXX XXXX  Account Number : XXXX Please remove it from my credit report. XXXX there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Please remove it from my credit report. XXXX there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Please remove it from my credit report. XXXX there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Debt collection

While reviewing my credit report, I noticed this debt collector reporting wrong information damaging my credit. I have never heard nor received any correspondence from this debt collector. Instead, they have been reporting this debt on my credit.
Product: Debt collection

After research on Florida Office of Financial Regulations website, it has come to my attention that the collection agency, Commonwealth Financial, is not licensed to collect in the state of Florida ( where I currently reside ). I have attached a screenshot of the information provided on the website where it states the license has been revoked/voided. <P/>
Currently there are 2 accounts that are showing on my credit report for all three bureaus for this collection company. Less than a month ago I called the company to clarify this information and a representative assured me that they are allowed to collect in the state of Florida. <P/>The address which is found of the website for the Florida Office of Financial Regulations is the same as the one listed on the credit reports.
Product: Debt collection

i lost my business and lost almost XXXX doller and my debt collecting companies were keep calling frequently and any how i managed to pay off all their debt and i made settlement on time, but the have destroyed my credit score history and they put as a charged off account on my credit report. i need please attention to the issue
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote a letter to Experian on XX/XX/XXXX, asking them to investigate errors on my credit report. They were supposed to respond in 30 days, but they have not.
Product: Credit reporting, credit repair services, or other personal consumer reports

So I sent a letter off XX/XX/2022 to remove personal information off my credit report that I no longer want on my credit report. According to Fair Credit reporting act 12 USC 1681, I have the right to privacy. Also, according to 15 USC 6802, no financial institution is supposed to share my information with a third party.

These are clear violations of my federally protected rights.
Product: Debt collection

I have gotten several calls from visible and unknown numbers claiming to have an urgent and important message from Nationwide Credit and Collections. They demand I call XXXX. I receive multiple calls a month from this collector and do not have any outstanding debts that I can think of. I have attempted to call back and they will not move forward with removing my information unless I " confirm '' specific personal information I do not feel comfortable revealing. I have attempted to send an email requesting my phone number be removed but received no response.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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



XXXX XXXX # XXXX -- IDENTITY THEFT XXXX XXXXXXXX # XXXX -- IDENTITY THEFT XXXX  # XXXX -- IDENTITY THEFT XXXX XXXX XXXX # XXXX -- IDENTITY THEFT XXXXXXXX XXXX  XXXX ( Original Creditor : XXXXXXXX XXXX  XXXX # XXXXXXXX -- IDENTITY THEFT XXXX XXXX # XXXX -- IDENTITY THEFT UNAUTHORIZED INQUIRY : XXXXXXXX XXXX XXXX XX/XX/2022 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I am trying to use my Barclay Aviator Master Card via XXXX  XXXX  to transfer money to my fiancee. However, the transfer was declined by XXXX XXXX and they refused to tell me what the issue was. After a lot of digging, it appears that Barclay declined/blocked the transaction and did not tell me about it for several hours. This is an emergency situation and need to get this done asap. 
i called Barclay and they said that it is standard procedure. I had already told them i was doing this, however it was still blocked. 

This issue has caused me a loss of 2.5 hours of pay due to having to leave work to get this done, but they don't care. They claim this is a security feature, however it is a huge inconvenience and i have asked repeatedly to intervene. It is NOT a customer security feature, but rather an internal loss prevention geared towards their own benefit which the customer just has to suffer with. 
any help is greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is 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 TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX FUNDING ( Original Creditor : XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX  ) XXXX I XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

LATE PAYMENT LETTER Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Credit Bureau : Transunion Credit Bureau Address : XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX Dear, Transunion I got a copy of my credit report and I have found the following items listed below to be in incorrect. As I do know my consumer report and will take legal action if not fixed within 30 days Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
I NEVER gave You, Credit Reporting Agency OR ( { XXXX } ) any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. Credit Reporting Agency has caused severe XXXX and XXXX due to the abusive and unfair practices. 
You, CREDIT REPORTING AGENCY, should be ashamed of yourself for ASSUMING this role and position to constantly commit fraud and cause harm to consumers! 
These accounts are listed with late or missed payments and that is incorrect. The following accounts were NEVER late and should be listed as PAYS or PAID AS AGREED. 


ACCOUNT NAME : XXXX XXXX/ XXXX ACCOUNT ADDRESS : XXXX XXXX XXXX, XXXX XXXXXXXX I know you can not report any late payments on my consumer report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report and I demand that you provide me with concrete evidence and all documentation proving that I am or have been late. It is my understanding that you will recheck these items with the creditor who has posted them. 
Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report reflecting the requested changes. 
Best Regards, Your XXXX XXXX XXXX
Product: Student loan

In XXXX I revoked a Navient authorization to direct debit my bank account. Navient continued to automatically withdrawal the money anyway. I called and complained and they put it back. I never agreed to direct debit again. In XXXX through XXXX, in order to fraudulently induce me to provide direct debit to my bank account, the collections team promised me 3 % interest on my private bar study loan. I agreed to these terms and granted direct access again to my account. Thereafter, without warning or notice, Navient increased my interest rate to 14 % as on XXXX XXXX and continued using the fraudulently procured direct debit access I provided under the false premise the loan interest rate was 3 %. On XXXX XXXX XXXX, I called Navient irate, and told them I never agreed to the 14 % interest rate and they are demanded to immediately cease all direct debits. I followed with a written email for proof. They continued debuting my account on XXXX XXXX, XXXX. This is blatant fraud in the inducement and theft. They need to be help accountable for this unlawful conduct.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in Experian and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Experian has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete its investigation within 30 days. Please check the payment history, date open, last activity, and Status of the accounts listed below. I believe it was reported in error. 
XXXX XXXXXXXX .... Balance : {$17000.00} ; XXXX XXXX  XXXX XXXX .... Balance : {$5100.00} ; XXXX XXXX XXXX XXXX XXXX .... Balance : {$2000.00} ; XXXX XXXX XXXX XXXX XXXX ... XXXX Balance : {$1400.00} ; XXXX XXXX XXXX XXXX XXXX .... Balance XXXX {$2600.00} ; XXXX XXXX XXXX XXXX XXXX .... Balance : {$4600.00} ; XXXX  XXXX XXXX .... Balance : {$1900.00} ; XXXX  XXXX XXXX. Balance : {$1900.00} ; XXXX  XXXX .... Balance : {$420.00} ; XXXX  XXXX .... Balance : {$3700.00} ; XXXX XXXX XXXX .... Balance : {$500.00}
Product: Checking or savings account

My account was overdrawn and I deposited via banking app my paycheck to cover it on  XXXX . I checked the next day  XXXX  to make sure everything was ok and my account shows s a ten da y hold on the deposit. I deposit my paycheck the same way for the same amount every week and there has never been a hold before. I contacted the bank on  XXXX  and was told that it was for my protection so it could be verified. I told them that the check is from my business and it is good it did n't need verification. I asked to speak with a supervisor and spoke to a gentlemen named  XXXX  and he checked into the situation and stated that nothing could be done and suggested that I deposit more money or I would keep being charged for the overdraft. How can this bank continue to do this to people. I have been banking with the same branch for over thirty years and have stayed th ru six different b anks being bought out but this will be the last B ank of Americas creativ e banking techniques have to be stopped. This bank will continue to take advantage of people because they are allowed to by our government agencies.
Product: Debt or credit management

I was attempting to call a collection agency in order to pay off an account. The number that was listed under XXXX actually was the number of a company called Credit Wellness. The representative that I spoke to and I were both confused because I was tricked into thinking that I was speaking with the collection agency. The gentleman that I spoke to informed me that I was actually speaking with a credit repair company called Credit Wellness. I was confused and did not realize at the time that this company was tying their number with XXXX to mask the fact that they were a credit repair company and to dupe unsuspecting customers into calling them instead of the collection agency. This was deception from the beginning. After a convincing sales spiel I agreed to utilize their services. He also instructed me to " look up '' their reviews on XXXX. Credit Wellness seemed to have great reviews, so I opted to obtain their services.

It was a disaster from the very start! They instructed me to sign up for a service called " XXXX XXXX  '' as well. The website would falsely claim that items were removed that indeed were not and then claim it was a " glitch '' in their system. I attempted to cancel with them more than once, but was assured that after the third round that I would see results. I contacted them before 90 days and explained to them that nothing had changed on my credit and that the ONE entry that was deleted was due to an agreement ( pay for delete ) that I had made with the agency. The representative insinuated that I was lying or misrepresenting that facts. I have proof from the collection agency that this agreement was made. This companies own employees state that this company is a sham/scam. The representative requested that I give them more time, because reports are only updated every 30-45 days. I explained to them that my money back guarantee would have expired by then. She assured me that she would note the account so that that did not happen. 
Also, I kept receiving letters from the credit bureaus stating that they were not able to verify that it was me, or that they needed more verification that I gave permission for this company to act on my behalf, and several other letters requesting information, all of which Credit Wellness instructed me to ignore. 
Needless to say, they scammed me out of money and nothing was ever removed from my report by them. 
They also requested me to leave a review on XXXX, and I told them that I couldn't do that until I actually utilized their services, as I had just signed the contract and that no work had been completed at this point. 
I will include all the documentation that I have when this company responds to my complaint.