23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this XXXX account that's on all 3 credit Bureau 's that says I owe XXXX, it came back that it is my account by the consumer. So I called the collection agency and I have the call recorded which I told them I was a recording so I wasn't doing anything wrong. First I was hung up on 2 times because the people couldn't find my account through my name or social security number. I was so upset that my fianc called back and spoke with them. To which again they said we can't find her account there is nothing listed for her. He and I both said then you need to take this off her credit reports, you can even find the account. to which their response was to hang up a third time. I called XXXX and was on the phone for 3 hours trying to get this removed off my credit report and they said dispute it again, which I did and the company cam back saying the account was valid. I asked XXXX where was this opened at? They said in Florida, I have never lived and Florida and followed up with how is it that I opened an account with XXXX which since has been removed off my report in XXXX XXXX  then 2 months later open another account with XXXX  in Florida. It shows all over my credit bureaus that I'm a victim of identity theft. I just found out yesterday that this person filed tax returns in my name which I will be filing a police report. But this company needs to remove this off. my credit bureaus. Ive done everything I can and I'm getting no where. It's source receivables. XXXX
Product: Credit reporting or other personal consumer reports

CXXXX XXXXXXXX THIS INQUIRY DOES NOT BELONG TO ME.
Product: Credit card

I made a large purchase using Discover Financial. I used discover because of the Discover rewards. During this purchase I was offered 10 % cashback plus 5 % cashback for using the discover card while making the purchase through a department store. I received the 5 % rewards. I also received an email at the beginning of XXXX stating I was going to receive the 10 % rewards on my next statement, beginning of XXXX. I did not receive the rewards and when I asked Discover financial I was told then a month later that I was n't going to receive the rewards. I then followed up later in the month and was told it will take 4-6 weeks more to investigate. I was originally told I would have to wait 10 weeks before I was allowed to have anyone look into the issue. I should not have to wait 16 weeks for these rewards to be credited to my account. I would never have used a discover credit card if it was not for this benefit. This is consumer fraud from Discover.
Product: Debt collection

I am a small business owner who had a merchant account with XXXX XXXX XXXX XXXX, whos headquarters in XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX. They closed my account in XXXX of XXXX and sent me a statement in the amount of {$120.00}. When I contacted them, they told me that the actual amount is {$21.00}, but they added the {$100.00}, which is a collection fee. That was the very first time that they have sent me a letter and requesting the amount of {$21.00}, and I dont even know why they added that {$100.00} collection fee ( they are not even a collection agency ). Later on, on XX/XX/XXXX I received a letter form ARSI ( American Recovery Service Incorporated XXXX which is a collection agency, demanding me to pay {$110.00}. When I contacted them, they told me that this is a collection that was referred to them by XXXX XXXX XXXX XXXX. I have never been contacted, received bills or demand letters by XXXX XXXX XXXX XXXX XXXX XXXX ) about this amount, yet they directly transferred this amount to ARSI for collection. When I tried getting some answers from XXXX, they told me that they can not provide me any information about this debt, including what it is for, why wasnt I contacted and received any statements. I told them this is my right to know what this payment is for, but they refused to give me any explanation. I feel like XXXX and ARSI are they just extorting people without giving them any reason or explanation. I dont even know why I owe them money? They can not do this to people and not be accountable for. I wouldnt be surprised if ARSI and XXXX have common interest in the final collection amount, or they might even be affiliated companies.
Product: Credit card or prepaid card

Background : In the evening of Sunday, XX/XX/2020, I received an email from XXXX XXXX  ( a food delivery service ) stating that my order for XXXX XXXX in XXXX XXXX, Arkansas was canceled. However, I did not order food for XXXX XXXX and do not live in Arkansas. Upon further investigation that same night, I realized that my Capital One Savor Card had been compromised. I first contacted XXXX XXXX and they confirmed that they flagged the transaction as fraudulent so they canceled it. I also reset my XXXX XXXX password. I then logged in to my Capital One account, saw the XXXX XXXX   transaction reversed but also noticed a transaction for ~ {$46.00} at XXXX, a restaurant in my local community of XXXX, South Carolina. I flagged that transaction on Capital One 's online system ( the Report a Problem option ) and also called Capital One and spoke to a representative, where I also flagged the same transaction, canceled my credit card and asked for a new credit card to be issued. On Monday, XX/XX/2020, I called the local police of XXXX XXXX, Arkansas and filed a report with regard to the XXXX XXXX transaction. I also called the City of XXXX Police department and filed a report as to the XXXX transaction. On this same date, I logged in to Capital One online and saw that both transactions ( the fraudulent XXXX XXXX and XXXX transactions ) no longer showed up on my credit card statement. In order to find out the exact information for the XXXX transaction ( i.e. amount, date, etc. ), I called Capital One. After 30 minutes on the phone, they had to escalate my question because they could not find the XXXX transaction. On XX/XX/2020, I spoke to a Detective at the XXXX Police department and he was going to investigate the XXXX transaction further. He asked me to obtain an Affidavit of Fraud from Capital One. Thereafter, I called Capital One and after 58 minutes and 50 seconds on the phone with Capital One, they concluded that none of their systems show the XXXX  charge -- despite that flagged it online, reported in on Sunday, XX/XX/2020 -- none of their three systems are showing the charge. 

Complaint : It is my opinion that Capital One failed to : ( 1 ) keep adequate records, ( 2 ) accurately track and report credit card fraud, including failure to track the Report a Problem option on its online system, and ( 3 ) protect its consumer. 

Because of Capital One 's failure to keep adequate records, I can not obtain an Affidavit of Fraud, which in all likelihood means that I can not criminally prosecute the person that stole my credit card and used it at XXXX. This is wholly unacceptable as a credit card company and leaves it up to the consumer to take screen shots of fraudulent activity in hopes to obtain criminal prosecution because there is no guarantee that your credit card company is keeping accurate records. By failing to keep accurate records to help this consumer who is a victim of theft, Capital One is protecting criminals.
Product: Student loan

Nelnet approved my deferment request, and back dated it to XXXX XXXX of 2015. There are derogatory late payment remarks that remain on my credit, even though the deferment approval covers this time period. I need them to remove the negative payment history for the deferment.
Product: Debt collection

On XX/XX/XXXX I discovered Waypoint Resource Group # XXXX had been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification or validation of this debt after disputing it. Please delete this item immediately for its a violation under the FCRA. ( See attached documents proving that the debt was deleted after disputing ).
Product: Money transfer, virtual currency, or money service

I am reaching out to formally submit a complaint against Western Union due to a delay in a fund transfer that has caused financial inconvenience. 

On XX/XX/XXXX, I initiated a transfer with Western Union ( XXXX XXXXXXXX ) for a payment due in the XXXX, which was supposed to be available for pick-up by XX/XX/XXXX, according to the receipt provided at the time of the transaction. However, as of today, XX/XX/XXXX, the funds have not been made available to the recipient. 

Upon contacting Western Unions customer service, I was instructed to wait until XX/XX/XXXX in the sending country ( United States ) instead of the receiving country ( XXXX ), which contradicts the information provided on my receipt. This miscommunication and delay have caused my payment to be overdue, affecting my financial obligations and causing additional stress. 

I am seeking assistance from the Consumer Financial Protection Bureau in resolving this issue with Western Union. I kindly request that Western Union be directed to release the funds immediately, provide an explanation for the delay, and ensure that such discrepancies do not occur in the future. 

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

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXXXXXX XXXX  XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXXXXXX XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I am a victim of identity theft. The thief made opened fraudulent account using my personal information. Pursuant to federal law, I am requesting a full investigation under regarding the fraudulent account listed in my personal credit report. 

This account is not mine. They was opened as a Fraud.
Product: Checking or savings account

Contacted my Bank ( BB & T ) in regards to unauthorized charges showing on my account XX/XX/XXXX. I immediately had my card cancelled and was transferred to the Dispute Department ( XXXX ) and filed a claim for five unauthorized charges totaling {$170.00} all posting to my account XX/XX/XXXX. I was provided a Claim # XXXX and advised the investigation can take up to 10 days for completion and provisional credit. 
I received a letter in the mail dated XX/XX/XXXX stating a provisional credit iao {$5.00} for one of the disputed charges and my Claim was being closed. 
I contacted the Dispute Dept directly XX/XX/XXXX to inquire about the additional transaction in dispute and was advised BB & T has concluded those remaining charges were valid and my claim was indeed closed. The Rep advised she could contact a supervisor to have the claim re-opened for further review.

I received a call from the Dispute Supervisor ( XXXX ID # XXXX ) XX/XX/XXXX in which she confirmed to me the claim has been closed due to charges being completed with a chip and I had previously stated the card was in my possession the whole time. I asked her how would they come to that conclusion seeing the charges were made in XXXX and I currently reside in XXXX, TX? I did not travel to XXXX overnight to charge {$170.00} on my card and return to Texas the same day?! 
XXXX advised this is the Bank 's practice, but again she will re-open the claim for additional review which will take an additional 5-6 business days for results to be made available.

I am a single mother of three and can not afford to have funds stolen from my account and then not protected by my bank ( BB & T ) I have bills pending payment subject to disconnection due to these funds being withheld for over two weeks and now having to wait an additional week for further review.
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX ( the Company ), with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulentinvestment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. Money was transferred from my account via bank transfer and debit card and through an intermediary named XXXX in the total amount of XXXX USD utilizing Branch Banking and Trust services.
Product: Debt collection

Date : XXXX MIDLAND CREDIT MANAGEMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Subject : Request for Validation of Debt Account Number : XXXX Dear MIDLAND CREDIT MANAGEMENT XXXX I am writing to request validation of a debt that your company has reported in my name. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request and receive proof that I owe the debt you are attempting to collect. 

The details of the account in question are as follows : Account Number : XXXX Original creditor : XXXX XXXX Amount Claimed : {$6100.00} Please provide the following information to validate this debt : A copy of the original signed credit agreement or application. 
Documentation showing that MIDLAND CREDIT MANAGEMENT has the authority to collect on this debt, including any agreements with the original creditor. 
A detailed itemization of the debt, including the original amount owed and any additional fees or interest that have been added. 
Proof that the statute of limitations has not expired on this account. 
Copies of any judgment, if applicable. 

As stipulated by the FDCPA, please cease all collection efforts and communications regarding this account until you have provided the requested documentation. Additionally, if you are unable to provide the requested validation, please remove this account from my credit reports and notify any applicable credit reporting agencies of the correction. 

Please note that this is not an acknowledgment or acceptance of the debt but a formal request for validation. I will not be able to address this matter further until I receive the requested information.
Product: Credit reporting or other personal consumer reports

Dear Equifax I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX : Account number : XXXX, Date open is showing the wrong dates. Can you delete this ASAP and send me and update. 

I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 



Thanks.
Product: Mortgage

In XX/XX/2023 I was sent the annual escrow analysis for my loan. The letter indicated there are over {$7000.00} of surplus in the esctow and that this surplus would be refunded in a different mailing. As of XX/XX/2023 nothing was refunded so I reached out to the company to follow up. The representative XXXX assured me it would be refunded immediately by check. By XX/XX/2023 nothing was refunded so I reached out again to the company. The representative XXXX escalated the case with the assurance that a manager will contact me within 48 hours. As of today, XX/XX/2023 nobody has contacted me and no refund has been received.
Product: Credit reporting, credit repair services, or other personal consumer reports

Before filing a dispute on XX/XX/2022, with Lexis Nexis to verify XXXXXXXX XXXX XXXX. A dispute was filed with XXXX, XXXX, and XXXX the investigation letter stated XXXX XXXX XXXX was verified through Lexis Nexis. Lexis Nexis letter response to investigation verified XXXX XXXX Bankruptcy accurately verified with Court. On XX/XX/2022, I received a response letter from XXXX of the court stating that the court does not report or verify this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

603. Definitions ; rules of construction [ 15 U.S.C. 1681a ] ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this title. 
( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
( c ) The term consumer means an individual. 
( d ) Consumer Report ( 1 ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, 1 603 - 15 U.S.C. 1681a credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 604 [ 1681b ].

( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 624, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; CREDIT REPORT OR CREDIT WORTHINESS VIOLATED MY RIGHTS!
Product: Credit reporting or other personal consumer reports

I purchased a car from XXXX XXXX XXXX, but they are no longer in business. A new company has taken over the loan Westlake Portfolio. My credit report is reflecting that I have two loans on the same car. I have requested documents from Westlake and I have yet to receive documents.
Product: Money transfer, virtual currency, or money service

All of these transfers were cancelled and I have yet to be refunded. 

MTCN XXXX that was sent on XXXX MTCN XXXX that was sent on XXXX MTCN XXXX that was sent on XXXX MTCN XXXX that was sent on XXXX MTCN XXXX that was sent on XXXX This transfer had incorrect name sent to XXXX it's impossible it was picked up as it says. This was definitely not picked up. 

XXXX XXXX that was sent on XXXX
Product: Credit reporting, credit repair services, 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 investigate and correct from erroneous reporting in my file are listed on my credit report : " XXXX XXXX Balance : {$590.00}, XXXX XXXX Balance : {$980.00}, XXXX XXXXXXXX Balance : {$2200.00}, XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX  XXXX Balance : {$0.00} "
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. s 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. Hard Inquires : 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: Mortgage

XX/XX/2021 I show 7 payments for my mortgage coming out of my bank account following 7 reversals. I believe they took my funds to collect interest and returned the funds they took from my bank account! I did not authorize these payments so they did not have permission to take my money out of my account and use it to make it more money for themselves to pay their stock issues! Not okay I authorize one monthly payment online once a month when I make a mania payment every month! This is not okay they violated my bank account to benefit themselves!
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The TransUnionXXXX Credit Bureau has not XXXXomplied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : US DEPT ED XXXX Balance {XXXX}, XXXX XXXX Balance {XXXX}, DEPTEDXXXX XXXX Balance {XXXX}.
Product: Credit reporting

Around XXXX XXXX, 2015 I sent in dispute letters regarding incorrect reporting on my credit report. I received letters back stating it was correct and told they case was closed.
Product: Credit card or prepaid card

On XX/XX/2021 at XXXX XXXX XXXX, I phoned Capital One. At XXXX XXXX XXXX answered. 

While I was mostly on hold, at XXXX XXXX, XXXX informed me that she would not provide me with the information that I requested. 

Specifically, I require 1.the balance on the Capital One credit card that I closed, 2. the copies of my statements, or a payment history that reflects payments made, 3. the Capital One address that will provide the answers to my inquiries in writing.
Product: Debt collection

XXXX XXXX I dont have an account number I just have my case number on the judgement they are trying to sue me for. XXXX
Product: Credit reporting or other personal consumer reports

I disputed these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) and XXXX XXXX XXXX  ( acct number : XXXX ) on XX/XX/year> and it came back verified the same day. They did not investigate properly nor did they send me and contracts bearing my signature. Experian has failed to fulfill its legal obligation under the Fair Credit Reportin Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Burea ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such 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 experience, 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 Experian 's inaction violates federal law and my rights as a consumer.