23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On XXXX I transferred {$300000.00} from my local bank, XXXX into my Capital One account. On the same day, the transfer was reversed. I called to see where the money was, as to date, XX/XX/XXXX, it has not gone back to XXXX. I have spoken to XXXX and they do not have a record of the money coming back to them and it is not in my account. Capital One shows the money coming in, and then going back out, but they do not know where the money is and are not able to trace it. I will attach the snip from my Capital One account showing the money coming in and going back out. 
I have called Capital One five times and gotten five different stories. They are telling me that it is a " known issue '' and on XX/XX/XXXX I was told that the " ACH '' department is looking into this. I was told, on one of my calls to Capital One, that the ACH department would return my call ( they have not ) and that the ACH department would post notes on my account as to what is happening ( they have not ). Today, XX/XX/XXXX, was told that I can now expect a call back from the ACH department ( again ). I called on XXXX, twice on XXXX, and spoke to two different people on XX/XX/XXXX. I also called today. I have tried to file a complaint with Capital One and was told that I would receive a call back in 21 days, and that I can not file a complaint with the office of the president unless I send a letter snail mail. I am at the end with this-not sure where to go. I am filing a complaint with the Office of the Comptroller and also with my congressman. The amount is {$300000.00}, so a lot of money and my retirement. They have lost it, I am not getting interest, and I need the money. It is rightfully my money, and the must account for it. Please help!
Product: Debt collection

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This was a corporate account and mistakenly reported on my profile. Had your record-keeping been accurate, and where is the proof of payment history? The 3 Credit Bureaus are willfully in violation of FCRA and condoning illegal behavior, they MUST correct or remove this collection account immediately.
Product: Credit reporting or other personal consumer reports

Experian, XXXX, and XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues XXXX as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my existence, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX are failing to review and/or research any of my dispute letters. I have not received any communication from Equifax ; XXXX or XXXX regarding the status of my dispute letters. It is very disappointing that the bureaus are not taking the time to actually research issues outlined in my dispute letters and as a result of this lack of due diligence, negative items from the bureaus still continue to appear on my credit report. Pursuant to the F.C.R.A. ( 1 ) You have the right to dispute incomplete or inaccurate information. If you identify information in your file that is incomplete or inaccurate, and report it to the consumer reporting agency, the agency must investigate unless your dispute is frivolous. ( 2 ) Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate. I respectfully request the following items be reviewed by Equifax and XXXX -XXXX partial account numbers XXXXXXXX ; XXXX ; XXXX ; XXXX and XXXX. Also, I respectfully request the following items be reviewed by XXXX and XXXX - XXXX XXXX partial account number XXXX and XXXX XXXX partial account number XXXX. ( Please see attached pages from my credit report. )
Product: Debt collection

After an unauthorized deduction from my bank account, I was advised to check my credit reports and after doing so, I found that Bank Of America was reporting my account as delinquent, closed and charged off. After doing some investigation I learned that I had been a victim of identity theft from the XXXX  data breach, in which all of my personal, financial and electronic data had been stolen. I received letters from The law offices of XXXX, XXXX XXXX XXXX attempting to collect an amount they claimed was due to Bank of America by me. A dispute letter was sent to both the law firm and Bank of America advising them of my identity being stolen and that I had been a victim of identity theft/fraud and asked them to validate the information they were claiming and to provide me with proof that I was responsible for the charges. I never received any of the documentation I requested. I filed an FTC report, police report, ID affidavit, contacted the credit bureaus The freeze my report due to the identity theft and advise them that I was disputing the Bank of America account listed on my credit report. My other credit card accounts also had an authorized and fraudulent charges. One of my credit card companies investigated and determined that the charges were fraudulent and advised me that I was not liable for the amount from the unauthorized fraudulent charges. I never received a response or any of the documentation validating the charges and proving my liability for the amount they claimed I owed. Now Im being sued with this law office paying the attorneys for the plaintiff Bank of America.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to a local car dealership in XXXX. Which to my guessing they pulled my credit report multiple different times. Including XXXX individual hard inquiries. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Debt collection

I've asked for my collections to be verified and have not received anything is over 30 days. You report to my XXXX and XXXX a balance of XXXX, that I am unaware of. I have been disputing this account since it appeared on my credit report. Over a year now, when I reached out to the company they advised they would take the new address that I provided and update their system. However I believe if they were not able to verify with the address that they have, then it should have been deleted on my credit report.
Product: Credit reporting or other personal consumer reports

Jefferson Capital System This account was not opened XX/XX/ 2023 and if so, it was unauthorized and is fraudulent. This account was previously deleted twice under the name XXXX XXXX ( XXXX ). This account is not open and DO NOT use this service provider.This is not the original account and is closed but it is reporting as open. XXXX is the original account, which I disputed and it was removed. This is the 2nd time this account has appeared on my report after being deleted under another company. I wouod also like this account to be removed because I have not opened an account on XXXX XXXX, 2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

Numerous times ive been disputing with Transunion to have these incorrect addresses removed from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX, mi, XXXX. 
XXXX XXXX XXXX  XXXX XXXX, XXXX, XXXX. 
I do not live at these addresses. At this point, Transunion is going against the fair credit act. ive provided proof that i do not live at these addresses. But yet, they still fail to remove it. I want this address removed immediately. Also numerous times ive disputed the employer XXXX XXXX XXXX on my credit report. This is not my employer. I dont understand why it hasnt been removed. I want this employer removed immediately.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I was informed by PAYPAL XXXX  via e-mail that my account is permanently limited and that my monies would be held 180 days, after calls and further attempts to contact them they would not inform me as to why they took the action other to say some violation of their user agreement. They did not elaborate. I do not sell items utilizing PAYPAL so there is no need for them to worry about recourse or returns. They are holding {$60000.00} US dollars and keeping me in the dark. After much research online I'm learning that this is happening to many people and after they wait the 180 days they are told their money went to a {$2500.00} fine per user agreement violation ( no mention of which violations ) and said monies are essentially stolen by PAYPAL. PAYPAL has artfully created a stipulation that in their user agreement any disputes must be arbitrated. This is a costly and confusing process for many. This is a travesty that is happening to people across the world.
Product: Consumer Loan

UPSTART STILL WILL NOT UPDATE CREDIT BUREAU THAT THIS ACCOUNT IS PAID OFF IN FULL WITH XXXX BALANCE AND ZERO PAYMENT DUE PER MONTH. 

I AM CLOSING ON A MORTGAGE LOAN ON XX/XX/2015 AND MUST BE PAID OFF OR A LOSE EARNEST MONEY. 

BUREAUS SAID THAT UPSTART CAN MANUALLY UPDATE BUREAUS REFLECTING PAID OFF STATUS WITHIN THEIR CREDIT DEPT EASILY RATHER THAN WAIT THE AUTOMATIC MONTHLY FEATURE. 

XXXX
Product: Debt collection

The credit bureaus XXXX, XXXX, XXXX has been defaming my character and reporting false consumer credit transactions without my consent.I am a victim of identity theft and i request these account be blocked from my credit file i have provided documents of identity theft and based on the consumer reporting agency and fair credit reporting act i need these actions taken care of immediately
Product: Credit reporting or other personal consumer reports

XXXX reported account past-due for several months despite my proactively initiating a repayment plan due to unexpected medical debt. My account was never not current, but XXXX reported it as such for multiple months.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries on my credit report that's fraudulent. I want these inquiries removed from my credit report. 

XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally discuss my concerns regarding sales handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claim adequately. They informed me that Recovering lost funds within impossible and that tracking these transactions was unfeasible. The CFPB findings indicate that not only has Zelle neglected to protect consumers has allowed repeat offenders to exploit the system, leaving users vulnerable to scams. Dislike of accountability and transparency is unacceptable and raise a serious concerns about consumer safety.
Product: Credit card or prepaid card

XXXX XXXX, a consumer and natural person, was denied credit by American Express when I applied for a Credit increase of {$90000.00} on Account Ending : XXXX and received an email stating my credit limit has been reduced to {$7800.00}. Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. 

American Express is subject to criminal liability for violating 15 U.S.C 1691 as I have proof that I was XXXX  against by American Express due to the response I received. American Express is in violation of 15 U.S. Code 1642, U.S.C 1681m and 12 cfr 1002 because I, the consumer, made an application in good faith, but credit was not issued and was reduced. Furthermore, because my social security number ( credit card ) was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of American Express. 

If American Express fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card I will indeed make American Express criminally and civilly liable for all actual damages pursuant to 15 USC 1681n and 15 USC 1681o. I will also follow up with an invoice for said violations ( { {$10000.00} } per violation ). 

Thank you, XXXX : XXXX / [ XXXX/Beneficiary ] Without Prejudice, All Natural Inalienable Rights Reserved
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent multiple certified letters to remove Multiply inaccuracy on my credit report. It's getting quite frustrating and taking a toll on my emotional state of mind.

XXXX XXXX account is Fraud account Ability Recovery Service is mine debt
Product: Mortgage

The underwriter for our mortgage through Citizens Bank, XXXX XXXX, has deliberately been delaying our mortgage process. The mortgage application was begun in XXXX 2015. It is now XXXX 2015, and we still have received the clear-to-close from the bank. 
In XXXX 2015, XXXX XXXX finally informed us that there is a termite inspection requirement. She also made a false statement saying that the inspection can not be paid for by the veteran ( myself ) applying for the loan. This is in direct contradiction to federal law ( See XXXX XXXX XXXX ). After informing her of this law, she continued to insist that the veteran can not pay for it. 
Furthermore, XXXX XXXX waited until XXXX XXXX, 2015, to request the results of the water test, which was performed on XXXX XXXX, 2015, which were also forwarded to her at that time. The test consisted of XXXX XXXX and coliform. XXXX XXXX then requested that nitrites, nitrates, and lead be included in the test, again falsely claiming that this was required by the VA. I spoke with XXXX XXXX at the VA Home Loan Center, who confirmed that this is not a requirement by the VA. After informing XXXX XXXX that I spoke with the VA, she redacted her requirement. 
XXXX XXXX then requested a structural inspection of the property, once again falsely claiming it is a VA requirement. And once again, XXXX XXXX at the VA Home Loan Center confirmed that this was not required by the VA. After again returning to XXXX XXXX , she then changed her story and stated that the structural inspection is a requirement of Citizens Bank . I asked her why she did not inform us of this inspection at the beginning of the process, 3 months ago, and she did not produce a response. 
In the beginning of the mortgage process, Citizens Bank informed me we would close on our property in XXXX. I correspondingly made arrangements for my new employer to begin employment at that time. Since we still have not closed on our house, I have been driving XXXX miles a day between XXXX and XXXX County, paying tolls each way. We sold our apartment in XXXX, but since we could not move into our new house, the buyers of our apartment allowed us to continue dwelling there. They finally could not tolerate the delay any longer, and I am now living under my desk in my office, and my wife is living on a couch in XXXX. All of our belongings are in a temporary storage unit.
Product: Debt collection

They call, say this phone call is recorded ask if Im so and so I say who is this, they reply with does your social end in XXXX, I say who is this and who do you work for? They reply with us this your address, I say who is this and who do you work for. They speed through who they are and who they work for and say Im terminating the call. Mean while I know its the debt collection company but they talk so fast I cant hear exactly who/what company.
Product: Debt collection

A lawsuit or settlement is likely to be pursued in U.S. District Court, in The Hawaii XXXX in XXXX, Hawaii. 

The debt collector for federally gaurunteed debts, XXXX, wrote a fraudulent check in my name suggesting that I signed it and attempted to submit it as an electronic payment. This check would have deducted {$500.00} from my checking account where I only receive disability payments from the VA as I am rated as permanently and totally XXXX. 

The debt collector by contract and law has to review and take into consideration all circumstances while collecting a debt, to include a person experiencing financial hardships who is permanently and totally XXXX only reveiving income from one source for disablility. 

Furthermore, the debt collector is required to get a verbal agreement over the phone to process a payment in order to collect a debt in the form of a " check '' and disclosures must be read, accounts must be reviewed. 

The debt collector outright submitted a check that I did not sign. If this check # XXXX were to have cleared my account, my wife, my XXXX XXXX XXXX daughter, my XXXX XXXX XXXX daughter, and my XXXX XXXX XXXX daughter would starve to death and I would not have electricity in my apartment. My infant child is going to go through XXXX and will need Durable Medical Equipment in the home that requires electricity. Without electricity, it is not possible to do so. All my food would spoil and we would not have anything for the month to eat, all because someone at TSI wrote a fraudulent check and signed it in my name without following the company policies, which could dictate by law fraud as apart of this lawsuit. These are very real circumstances and I can prove that they are real. 

The debt collector did it without my authorization. The last conversation I recall with the debt collector is that I would do it online at my convenience. I never set the payment up online.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX  Act # XXXX XXXX/Dept of ED Act # XXXX has violated my rights. 15 U.S.C. 1681 section 602 states I have the right to privacy. 15 U.S.C. section 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1666B : A creditor may not treat a payment on a credit account under an open end consumer as late for any purpose.
Product: Checking or savings account

I noticed a fraudulent charge on my account on the XXXX of XXXX. The charge was made at 4 different XXXX stores simultaneously at the store numbers # XXXX, # XXXX, # XXXX, # XXXX. These stores are in 2 difficult states and 2 hours apart, at the same time i made a purchase at XXXX in XXXX XXXX which is 4 hours away from these locations. These charges were made with an XXXX XXXX  account. I have no XXXX XXXX  accounts i am associated with. I reported it then chase bank refunded the amounts charged that day. then the morning of XX/XX/XXXX the refund was withdrawn from my account. I asked chase why, they said they found it non fraudulent. I spoke with XXXX and they are opening an investigation and speaking with the authorities.
Product: Credit reporting, credit repair services, or other personal consumer reports

The infractions are as follows : Alleging Creditor and Account as is reported as having a late payment on my credit report : exercising my consumer right to opt-out of having my transaction history or balance history information recorded on my credit report I am demanding that this account be updated to Paid as Agreed and Never Late. By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX  enacted CDIA Metro 2 COMPLIANCE regulations. 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. Code 1681b- Permissible purposes of consumer reports. My transactions and my experiences are not supposed to be reported on my credit report.
Product: Credit card

This account was n't originally mine I was authorized user tried to get off they refused I included this account in my bankruptcy and it was discharged
Product: Credit reporting

Transunion has refused to remove a 120 days late entry from XXXX. XXXX XXXX was the date of first delinquency. 14 months of data is missing from their reporting ( enclosed ) causing them to move the DOFD to XXXX XXXX. I 'm uploading supporting documentation, including the XXXX XXXX mortgage bill from then XXXX XXXX sold to XXXX XXXX XXXX ) showing 4 months late on my payments. Which would make the DOFD either XXXX XXXX or XXXX XXXX, which is over 7 years. I provided this document to Transunion to no avail. Thanks for your help.
Product: Student loan

I have an existing complaint in with XXXX  XXXX XXXX. I have applied for Public Service Loan Forgiveness, original application date of XX/XX/XXXX. It appears that they have tried to appease the complaint, however not to my satisfaction as the information they have fed back to me is grossly inaccurate. 

I have been employed with XXXX XXXX XXXX XXXX XXXX XXXX XXXX, a XXXX  XXXX XXXX XXXX XXXX XXXX organization since XX/XX/XXXX. My Human Resources director has verified this with XXXX  XXXX XXXX, and they told me they have record of that verification. 

I have recently received a letter from XXXX XXXX XXXX stating that my beginning date of employment was XX/XX/XXXX ( the date I applied for PSLF, not the beginning date of my qualified employment ). They are only counting payments that were made from this date, which is 11 payments. This is inaccurate, and I believe they are only counting payments that were made once I applied for PSLF and my loan was transferred to them as a servicer. I was previously serviced by XXXX and XXXX. I have made every single payment on time since my employment began in XXXX, so I should have around 80 qualifying payments. This means they are putting me about 6 1/2 months back in the whole process of loan forgiveness.
Product: Credit card or prepaid card

This complaint is regarding a matter that occurred in XX/XX/2022 with Comenity Bank. I have been a customer ( Wayfair ) for many, many years. My Wayfair payment was changed to Comenity Bank. In XX/XX/2022, my payment for XXXX got posted to an account that had been closed for XXXX plus years or so. Comenity contacted me that I was late with my XXXX payment which I knew that I had sent the payment in. As it was Comenity found out they had posted the {$75.00} payment to a " closed '' and paid in full account. ( New York and Company ). Comenity refuse to move the payment to the proper account. The said they had to investigate the matter and it would take about 90 days to complete the investigation. I have been trying to communicate with Comenity to get an answer as to why they have not refunded me the {$75.00} because I am still paying my monthly payment each month. I am still getting the runaround and it is now going into XXXX months since this problem arose. During this situation I accrued late fees which I believe I have been waived some of them. I would like to know why Comenity is not cleaning up this problem with the consumer as quickly as possible. I am close to paying this account in full because I am paying double to minimum payment. I am so afraid that when I pay this account off Comenity will have no more dealings with me on this and close the account. I have read so many bad reviews about Comenity ; all I wish to do is get a refund or a credit for my payment - XXXX XXXX XXXX, XXXX