23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Capital One has been having issues with direct deposit. Now thousands of people have not been paid including myself. They offer no timeframe for a resolution, when I can expect funds and what happens when I incur late fees because my payments don't go through. If I'm late they charge me for sure.
Product: Credit reporting or other personal consumer reports

Hello I have tried to fix the issue with XXXX and as well as all the credit Bureaus.. and No one has helped me with this issue.. 
The credit Bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, and the last date active is inaccurate, and the date last reported is not accurate. this is grounds for removal they also violated my rights under. 

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

15 U.S.C 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 1681s-2 ( A ) ( 1 ) A Person Shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

I have evidence of 11 different violations from XXXX, XXXX, and Equifax. That I will provide in docs.
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/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the fair credit 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  XXXX  XXXX XXXX  XXXX  XXXX XXXX  XXXX XXXX  XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original CreditorXXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( OriginalCreditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX XXXX  ( OriginalCreditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX
Product: Checking or savings account

I rented a U-Haul truck and part of the charge was for mileage at XXXX per mile. I drove XXXX miles which is {$110.00}. My move from address was XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX and the move to address was XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. This is approximately XXXX miles. But I was charged {$550.00} which is XXXX miles. I logged a case with XXXX, reference XXXX and have received no response. I disputed the amount online with XXXX and have received no response.
Product: Credit reporting or other personal consumer reports

After I forwarded a copy of the FTC report, it became apparent that 3 credit bureaus are not obstructing records. I'm sending this complaint to help with the legal response because it's required under FCRA regulation 605b. I will provide over my archives to my lawyer so that they can start a legal action if you choose not to impede the associated items listed below that are providing incorrect answers due to fraud. As it is not my intention to pursue any lawful activity, please abide by the law if it is not too difficult. 
XXXX A XXXX XXXX XXXX XXXX XXXX A XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$3900.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX OF XXXX **** Balance Owed : {$4500.00} XXXX  XXXX Balance Owed : {$8800.00} XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Vehicle loan or lease

Charges dont add up. Some bills say More some bills say less. This company didnt allow me the opportunity to pay they just ripped the car away from me knowing I got sick with XXXX treatment and other medical and mental health I offered to pay what I can I could no longer work at the time and when I communicated they didnt care. The guy told me Im sorry but Im not the one thats sick no offense so I hung up the phone. How can this statement not be offensive. I have too many issues to deal with this unfair treatment check voice recordings arent all calls recorded? They are liars.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX an im submitting this complaint for myself an there is no third party involved. I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and unknown items on my credit report. On this day over 45 days later I have not received a response yet. I feel as though I am being taken advantage of as well as being ignored of my disputes. Section XXXX ( a ), it is clearly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, as it has been over 45 days, so it should be deleted promptly. I demand this account be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. 


I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute, as I have filed a complaint with the federal trade commission and XXXX XXXX XXXX  because to my knowledge, I do not recall any of these accounts. I need this problem fixed asap, I will not wait another 45 days to receive no response, because it is clear your organization is intentionally ignoring me. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. Section XXXX ( a ), it is clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, as it has been over 45 days so they should be deleted promptly.
Product: Checking or savings account

On XX/XX/year>, I received five emails from Capital One notifying me of a 360 account opened in my name ( account number unknown ). I have never opened an account with Capital One. 

Immediately, I contacted Capital One customer service at XXXX and was transferred to the Fraud Department. The representative advised me to report the fraud to the three credit bureaus ( XXXX, XXXX, and XXXX ). While I appreciate this general advice, I was deeply disappointed by the lack of specific information provided by your representative on what to do when to contact these credit bureaus, and whether I should call or write to each of the credit bureaus. 

Specifically, I requested details about the identification or information used to open the fraudulent account in my name. Supervisor XXXX, with whom I spoke, declined to provide this critical information, citing security reasons. I find this unacceptable, as knowing what data was compromised can help me take further steps to protect myself. 
Furthermore, I received no guidance on how this incident might impact my Social Security number. I was told to contact the Social Security Administration if I felt my number had been compromised.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 : This account is inaccurate. 

XXXX XXXX : Account number : I dont remember having a charge-off. 

XXXX  : Account number : Inaccurate/ Incomplete/ Unfair/ Unverified Items.
Product: Debt collection

They keep trying to collect from XXXX a payment system that I paid and they are tacking on fees
Product: Debt collection

I noticed an account that was placed on my credit report that I have no knowledge of the account and they never contacted me. I want proof of the debt and the original dates of services.
Product: Money transfer, virtual currency, or money service

On XX/XX/2017 I purchased XXXX bitcoins for a price of {$300.00} through a company called Coinbase. At most the company claims delivery can take up to 10 days. After a week of not receiving my bitcoins I emailed Coinbase support. After almost two weeks they replied asking for a screenshot of my purchase status which still said " Pending ''. Keep in mind the funds were long taken from my bank account. Replying the same day I was later informed that my situation was being handled by a specialist. After not hearing back for another week I asked for an update and I never heard from Coinbase again. 

I attempted to submit a claim through my bank but because the transaction was " authorized '' they said they couldn't help me.
Product: Debt collection

RCI agency address XXXX XXXX XXXX XXXX, WA XXXX phone XXXX XXXX XXXX XXXX. I had a bill in collection from emergency room. I got a call from collection agency, I called them back right away and I was surprise I have medical bill at collection, it was some mistake in emergency room they did not charge my insurance or did not claim all tree bills to my insurence company. And I try to talk to people from agency and explain the situation that I already payed one medical bill and I need a time to call to emergency and my insurance company to found out what bill is it? And why my insurance did cover it. They were extremely rude, they raise voice on me, they interrupted me and told me all the time that it is my fault i did not pay my bill on time XXXX but I paid bill which i got from mail ). When I asked the name of the lady who talked to me on the phone she said her name very quickly and when I asked to spell for me she said that spelling the same as a pronunciation. She did not give her name. I asked to transfer me to she supervisor, she put on me on hold for 10 minutes and i never got the supervisor. I called back immediately and asked lady from front deck transfer me directly to supervisor, and finally when i riche the supervisor she was again the rudest person she also raised her voice. I asked her name she spell for me like XXXX and I asked she last name or number how I can identify her when I will talk to the owner of the company. The supervisor starts yell at me and hang up on me. I called again because I need to pay bill and I finally paid, but people who work at this agency totally unprofessional, rude and they will be the same way because they know I 'm customer can not do anything. Im asking you help please, check please review online how many people in the same situation like me. XXXX it was my first bill in collection, I never had even late payments ). They was treating me like some sort of criminal
Product: Mortgage

We are refinancing with XXXX XXXX and they we owe XXXX to Wells Fargo for unpaid interest for loan modification and no one from Wells Fargo will get back to me.
Product: Credit reporting or other personal consumer reports

I am formally complaining against CAPITAL ONE BANK 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 CAPITAL ONE BANK 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 CAPITAL ONE BANKstand by and address the issues that I noted in consumer law and not to continue to disregard the rights of consumers. 

Thank You XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution ( Scess was unfair and deceptive, as they did noi comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Opinion based on facts ... ..my score according to XXXX as of XXXX XXXX XXXX and my wife XXXX. However when shopping for finances our scores with lenders are considerably less disqualifying us for any number of assorted financial options from refinance, to new mortgage, to home equity and or personal loans. Lenders use third party providers who DO NOT HAVE CURRENT ACCURATE INFORMATION. ( FACT ) USE THEIR OWN INTERNAL ALGERITHIMS TO CALCULATE CREDIT WORTHINESS AND PLACE CONSUMERS INTO FINACIAL DURESS. In my opinion a facade, conspiracy, corruption of emmense proportions. As stated their practice disqualifies people who HAVE a higher LIGIT score and are within guidelines for loans for such as XXXX typed and or forces them to accept a higher interest rate and worse terms and can cause even harsher financial duress. This shame or blight should be stopped immediatel but in all the years it has persisted this CFPB has done nothing ... F A C T. Note my fellow Americans the great evil placed upon us all.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, I have been disputing several accounts with this company and I submitted proof that they are reporting false, inaccurate information. I showed them what the three credit bureaus are displaying and showing them that the accounts are not 100 % accurate. I have sent them several letters and month after month they reply that they " verified it as accurate '' or that the accounts belong to me without supplying the proper documentation. I told them that e-Oscar and automated responses are not acceptable forms of verification and keep asking them for viable proof, such as a contract bearing my signature ; and still, with all the proof I have submitted disagreeing with them, they refuse to delete these erroneous accounts or to provide why they believe they are reporting accurate information.
Product: Debt collection

Southern Management Systems holds a debt from a previous landlord in XXXX, TX. Due to this open collections, I am unable to rent an apartment. Although I disputed the validity of the debt ( I was tricked into signing a year lease in addition to the summer lease although they knew it was a great possibility of me relocating due to my employment ) with the apartment complex, their corporate office, and Southern Management Systems no resolution was met. The apartments charged me outrageous late fees and other fees although I had vacated the premises, provided notice, and paid out through the XX/XX/XXXX lease. I recently called Southern Management Systems and inquired for a fax and email address for their office manager because he would not return my phone calls. They refused to provide one. When the office manager finally called me, I inquired as to how to make a payment. He stated am I paying the full amount and I said no. He inquired about the remainder of the balance, I told him it was none of his business. He then stated he would not accept any amount from except the full balance or 80 % of the balance paid in one lump sum. He refused to provide ANY information on how to send a payment in. I find it interesting that the collection agency wo n't accept any amount to be paid towards the debt, and feel if they do n't want any of the money then I should n't be responsible for any of the debt ( although I was tricked into the debt in the first place ), and that the open collections should be removed from my credit report. Southern Management Systems is unprofessional and use negative tactics with debtors. Some form of action needs to be taken against this collection agency.
Product: Credit reporting or other personal consumer reports

I have notice that JPMCB is reporting inaccuracies on my credit report. The 15 U.S. Code 1681e ( b ) is a section of the Fair Credit Reporting Act ( FCRA ) that outlines the responsibilities of consumer reporting agencies to ensure the accuracy of the information in consumer reports.
Product: Checking or savings account

I'm trying to attach my checking account to XXXX. The response is that my institution won't allow it.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three major credit bureaus Equifax, XXXX and XXXX have illegally hoarded consumers personal information without this Consumers expressed written consent. Pursuant to the 1974 Privacy Act all 3 credit  bureaus violated all privacy rights and allowed personal information to be leaked due to their false and misleading ways. 

According to the Fair Debt Collection Practices Act all three credit bureaus maliciously and collectively shared this Consumers personal information to make trillions of dollars by selling it to various debt collectors,  employers, financial institutions, and a host of others. 

My wish is for the Federal Trade Commission and Consumer Financial Protection Bureau to demand on my behalf that all 3 credit bureaus remove all of this Consumers social security numbers, date of births, financial accounts or credit/debit card numbers, driver license numbers, detailed health or medical history or similar sensitive information. 

All relations with these 3 credit bureaus are now in question for reporting fraudulent information to disgrace this Consumer. 

Consumer wishes for damages of XXXX XXXX dollars from all 3 credit bureaus for their Treasonous deeds and all will be forgiven. 

Consumer would also like to thank the Federal Trade Commission and Consumer Financial Protection Bureau for protecting her/his Personal,  Family, and Household.
Product: Credit reporting, credit repair services, or other personal consumer reports

Vehicle was repossessed after paying for 4 years amount owed on contract to XXXX it changed by XXXX company states it was recovery charge storage charge transport charge key replacement fee auction charges I had items stolen out of vehicle at storage facility and had to pay XXXX of the original XXXX that was owed to get personal items and I surrendered the keys to the tow company when they came for the car. When I called to pay balance XXXX within 48 hours was told of other charges added on and car was at auction 300 miles away. I received a letter that auto sold for XXXX but I still owed for all storage and transportation changing balance to XXXX account was closed in XXXX sold to collection agency after submitting all my paperwork to XXXX XXXX they decided to close collection account And deleted it
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. 

XXXX XXXX # XXXX - Balance {$1500.00} Date opened XX/XX/XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX - Balance {$3600.00} Date opened XX/XX/XXXXXXXX XXXX XXXX  XXXX Date opened XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX - Balance {$1900.00} Date opened XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX - Balance {$640.00} Date opened XX/XX/XXXX Unauthorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim ofidentity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation andapply their company policy to treat this as a dispute. In fact, when I called them, they stated that theirpolicy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block thereporting of any information in the file of a consumer that the consumer identifies as information thatresulted from alleged identity theft, not later than 4 business days after the date receipt by such agencyof- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) theidentification of such information by the consumer, and ( 4 ) a statement by the consumer that theinformation is not information relating to any transaction by the consumer. I submitted proof that mysocial security number, fingerprints, birthdate, addresses, and other identifying information wereaffected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all therequired documents per 15usc1681c and yet the CRA has failed to block this information and it has beenover 4 days. Again, this is NOT A DISPUTE. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted the credit bureaus to initiate a credit investigation of incorrect items on my credit report. Well over 30 days have passed. XXXX   has responded, but I have not received anything back from Equifax or XXXX XXXX.
Product: Student loan

My husband and I are on Income Driven Repayment plans while he is a resident XXXX as we have a partial financial hardship. I am on REPAYE, and he is on PAYE. Our loans are held by XXXX ( PHEAA ). On XXXX/XXXX/XXXX, we received a notification to submit annual loan recertification documentation. My husband and I submitted those documents promptly on XXXX/XXXX/XXXX. We received emails on XXXX/XXXX/XXXX confirming the receipt of those documents. However, there was no indication in our online portals that these documents were received or that processing had begun. 


I called XXXX at XXXX XXXX/XXXX/XXXX and waited 20 minutes on hold. The agent XXXX # XXXX answered and had to transfer me to another department, so again I waited again until XXXX # XXXX answered. He informed me that the application was in manual review and should be finished relatively soon, probably by the end of the week ( XXXX/XXXX/XXXX ). 


After hearing no updates from XXXX, I called again on XXXX/XXXX/XXXX at XXXXXXXX XXXX. I spoke with XXXX # XXXX who said it would take 30-60 days from XXXX/XXXX/XXXX to process. I informed her that I had called on XXXX/XXXX/XXXX and was told that it would be completed last week. 


She transferred me to XXXX who stated she was a supervisor. She reviewed my information and said my application was queued for manual review, but strangely needed to be escalated or expedited, but somehow had not yet been done. She then provided a monthly estimate of {$1000.00} for the payment. I informed her that this was a significant increase and did not appear to include my husband 's loans, which we applied for and cosigned together on XXXX. She said she will try to expedite and we will hear an update by XXXX at the latest. I expressed concern that with my payment plan expiring on XXXX/XXXX/XXXX that this would not be enough time. Given the absence of response on XXXX/XXXX/XXXX, I have elected to file this complaint.