23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Name of Account Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hey my name is XXXX, I am not working with a 3rd party nor a credit repair company. I am, sending this letter myself. I have studied my consumer rights. Youre a credit reporting agency that needs to perform lawful acts! Youre violating my consumer rights! Under the FCRA 15 U.S. Code 1681- Congressional findings and statement of purpose, Accuracy and fairness of credit reporting! IT MUST BE ACCURATE! IT MUST BE FAIR! IF NOT, THEN IT NEEDS TO BE DELETED FROM MY CONSUMER REPORT! There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. You never received my permission to release my information pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) I have never given you my written instructions. Please show me proof that I gave you permissible purpose to furnish debt on to my consumer report. Pursuant to 15 U.S.C 1681 section 602 A. States I have the right to privacy. Please follow the rules, or I will have to seek litigation as it only cost XXXX $ to take you to court! Compliance procedures [ 15 U.S.C. 1681e ] ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.I NEVER GAVE MY CONSENT SO THIS IS NOT FAIR NOR ACCURATE! DELETE NOW! 

Permissible purpose = written instructions With permissible purpose = consent Without permissible purpose = Identity Theft YOU DO NOT HAVE written permission or instructions for the identified transactions to be reported on my consumer report. I demand the following accounts be removed immediately. I DO NOT CONSENT TO E-OSCAR VERIFICATION I will also be seeking {$1000.00} per violation for : 15 U.S. Code 1681i ( iii ) ( 7 ) Description of reinvestigation procedure 15 U.S. Code 1681n 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report. Transactions and experiences are not included on my credit report 15 U.S. Code 1681b ( a ) ( 2 ) - Permissible purposes of consumer reports YOU DO NOT HAVE MY written instructions 15 U.S. Code 1681 ( B ) ( E ) FALSE INFORMATION 15 U.S. Code 1681b DID NOT USE MANNER WHICH IS FAIR AND EQUITABLE TO THE CONSUMER IN REPORTING NEGATIVE ALLEGATIONS WITHOUT WRITTEN PERMISSION 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.

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 15 U.S.C 1681 section 602 A. States I have the right to privacy I demand the following accounts be removed immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX card states I have two lates XX/XX/XXXX and XX/XX/XXXX. This direct violation of FCRA US code 15 1666 ( b ) timing of payments " A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose ''
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB. 
These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly?

Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information.

You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below.

As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section XXXX ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. 

I demand the following accounts be verified or removed immediately. 
1. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Delete this account. 


2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXXXXXX XXXX  XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current. 




3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current. 




XXXX there is some inaccurate information reporting XXXX XXXXXXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current.
Product: Checking or savings account

In XX/XX/XXXX, I wrote a cashier 's check under my own name for the amount of {$80000.00} from my business account with XXXX XXXX XXXX XXXX XXXX XXXX. I took the check and deposited it into my Capital One account on XX/XX/XXXX. The funds cleared and were available for a few days but Capital One decided to put a hold on my funds and I haven't been able to retrieve them since. They initially informed me that they needed some type of receipt from XXXX to confirm the funds which I provided after visiting a XXXX branch but the funds remained in suspension since then pending an investigation which wasn't fully explained to me. I have been going back and forth with Capital One ever since without success. Recently I called them to find out what happened to my funds and they informed me that they decided to close the account and that the funds had been returned to the original creditor XXXX XXXX XXXX They wouldn't give me any more information about when this decision or even my it was made claiming that they are not obligated to provide me with such information. I spoke with multiple representatives from XXXX  and they informed me that no funds were sent back to them from Capital One and that my account was closed since XXXX. The last representative I spoke with from BOA even denied seeing any details about a check that I wrote which made no sense since I wrote the check myself and deposited it into Capital One who acknowledge the check and the amount and say that the transaction was reversed back to BOA. However, when I speak with other Capital One agents, they are unsure of what happened to the funds and at this point I don't even know what to do anymore. I would have filed this case with the CFPB a while back but I was unaware of this until recently when I it was recommended by a close friend. Please help me in any way in receiving my funds. 

Thank you.
Product: Money transfer, virtual currency, or money service

I am attempting to set up an account with XXXX for personal investment and PNC National Bank, isn't allowing me to link my checking account with them to begin investing through XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with Equifax XX/XX/2023 for a debt listed on my credit from XXXX XXXX XXXX. I asked the company to verify this debt and they failed to do so. Equifax closed my dispute as verified. How could this debt have been verified when it was deleted from both my XXXX and XXXX credit reports as unverified? Both credit reports are attached to this complaint. Also no documents of proof showing verification from Equifax or the company. Equifax is failing to do a fair investigation according to the 15 USC ******* *** **** section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.They also violated my rights numerous times.The credit bureaus violated my given rights under 15 USC ****.According to : 15 U.S.C **** section 602 A. States I have the right to privacy. According to : 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 According to : 15 U.S.C. ****s-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. Delete this account immediately before further action is taken.
Product: Student loan

Thank for you hearing my complaint. Upon hearing of the new expanded loan forgiveness program in late XX/XX/XXXX ; I started the process of applying in early XXXX and sent my application to FedLoan servicing via fax on XX/XX/XXXX. Upon not receiving any confirmation, I called FedLoan to ask whether my application was received. I was told my application was not received and to fax it and even mail it. After several weeks of back and forth I received confirmation that the application was received in late XXXX and early XXXX. After a quick turn around, I received a letter stating that I did not qualify for neither XXXX or XXXX. Understandably, I would not qualify for the former but I researched and was told by representatives that I would qualify for XXXX ( the waiver would not be needed ). After evaluation, I noted that only 102 payments were counted towards XXXX and that years of payments were not evaluated in their determination from XXXX to XXXX. No explanation was provided and was told I had to reapply to the program ( note that to reach a representative it takes approximately 2 hours only to be transferred from one person to another ). I reached out to my prior loan servicer XXXX and they told me that all payment history was sent to Fedloan. I took the liberty and requested the complete payment history and uploaded to their website ( FedLoan ) for further review on XXXX which included years of missed payments by FedLoan ( uploaded here ). A month later I contacted FedLoan numerous times to only be told that it is under review despite a quick response earlier rejecting my application using erroneous information. As of XX/XX/XXXX, I further contacted FedLoan to be told that my application has not been evaluated at all and has been sitting for over a month. Evaluation of my application was handled incorrectly and a quick response without needing further consultation with the Department of Education regarding the limited waiver should have been conducted by now. Due to the incompetence of FedLoan and the inability to expedite my application under the well established XXXX  rules, I am filing this complaint. I am in the process of purchasing a house and my student loans ( which should be forgiven under both old and new rules ) could affect my ability to secure a loan.
Product: Credit card or prepaid card

Yesterday I received a notice from Chase ( dated XX/XX/XXXX ) XX/XX/XXXXin regards of the XX/XX/XXXX charge from XXXX XXXX merchant. The dispute arises from the XXXX XXXX was not willing to issue a refund deposit of XXXX XXXX at its XXXX, XXXX location when the card was returned on XX/XX/XXXX. The dispute was initiated the same day and I requested the card to be closed to prevent other unauthorized charges being conducted by the merchant. The merchant attempted to also charge me with alleged damage to the car dispute purchasing a valid XXXX coverage for the duration of the car rental. 
Subsequently the card was closed and all remaining balance paid. Chase also de-listed the card from the electronic menu so getting the letter dated onXX/XX/XXXX comes as great surprise. 
I would like Chase to provide its own internal chronology of events as pertaining to the cards use starting XX/XX/XXXX and all applicable credit card statements showing the transaction sequences including all activities on the card. 

Also please note that all applicable dispute took place in XXXX and not in US $ as referred to me in its communications as all transactions in dispute took place not in US but XXXX. 
I would also like to ask CHASE the following : 1 ) Why the issue is now being resurfaced after Chase own attempt to intervene on behalf of the merchant dispute its own stipulated 45 response time. As response to my message it provided records which had its time marks deleted and the follow up call on its behalf refused to present a coherent time frame in which the matter was being investigated and handled? 
2 ) Why the message is being sent 4.5 months after the initial dispute ( XX/XX/XXXX ) took place and the credit card closed? 
3 ) What does it say for Chase own procedures and processes where it issues its own finding on the issue without any supporting evidence and documentation?
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX refuses to delete duplicate information on my credit report after being provided proof.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, has violated my rights. 

I looked at my Experian credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XX/XX/2017    I went to use my  XXXX  Credit Card and was discovered my account was closed and turned over to a collection company and is now reporting as a charge off. I tried to contact  XXXX  and am not allowed to speak to them only the collection company. On  XX/XX/XXXX  I accidentally made  XXXX  electronic payments. I placed a stop payment on one of them to avoid an overdraft and let the other payment process through my bank. I notified  XXXX  of my Intentions on  XX/XX/XXXX  to let them know what I had done. I have never been late with a payment and always pay more than the minimum amount due. The fact that I placed a stop payment should not have caused my account to be charged off as the other payment cleared my bank and was received before the due date and was for more than the minimum amount due. Now  XXXX  is reporting to all three credit bureaus that my account is a charge off and non collectable. I have provided all if my bank transactions to them which shows I have never been late in the two years since opening this. I am asking they remove this from all  XXXX  credit bureaus as it is absolutely not accurate if my payment history.   If you need a copy if my bank statements I would be happy to provide you with one
Product: Credit card or prepaid card

I am a victim of Debit Card Fraud. XXXX XXXX and XXXX XXXX stole my card and stole {$6000.00} from me. They have both been arrested and we are waiting for a court date so that I can press charges. Way 2 Go card company, issued by Georgia Department of labor has everything they need per XXXX XXXX County Police Department to refund my money. They still have not given my money back. I'm not sure why. A crime was committed and Way 2 Go is letting the criminals get away with stealing my money.
Product: Checking or savings account

I opened a Capital One 360 Money Market account on XX/XX/XXXX using promotion code XXXX, and fulfilled the requirements of this offer with cumulative deposits as of XX/XX/XXXX. Although the required 60 days have passed. Capital One contends I am ineligible for the {$500.00} incentive due to not depositing {$50000.00} all at once. However, the terms of the offer were plainly written and do not require the deposits to be made all at once : " Here 's the full scoop on how to earn your {$500.00} bonus : Open a 360 Money Market account and deposit at least {$50000.00} between XXXX XXXX ET on XX/XX/XXXX, and XXXX XXXX ET on XX/XX/XXXX. When you open your account, enter your promotional codeXXXX. ( Please do not share this code with others. ) Deposits must be from another bank ( transfers between Capital One accounts will not qualify ). '' My deposits were in excess of {$50000.00}, came from external banks, and were completed on XX/XX/XXXX. However, the incentive was not deposited even though it has been more than the 60 days required in the terms. 

I wrote to Capital One by mail on XX/XX/XXXX and again on XX/XX/XXXX, but have not received a response.
Product: Credit reporting or other personal consumer reports

TO YOUR COMPNAY ( I HAVE ACCOUNTS ON MY CONSUMER REPORT THAT ARE REPORTING Inaccuracies in the dates. THESE ACCOUNTS ARE INACCURARTE AND ARE A VIOLATION OF THE FCRA AND MUST BE DELTED IMMEDIATELY. AFTER THIS INVESTIGATION, DELETE THESE ACCOUNTS FROM MY CONSUMER REPORT ). ( XXXX XXXX XXXX ) -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I have late payments showing in the payment history of 2 accounts. These accounts have been reporting these late payments for a long time. I have never been late on any of my payments on any account.. Please update the payment dates for each account to paid on time, paid as agreed, never late in the payment history. ( XXXX XXXX XXXX and, XXXX )
Product: Credit card or prepaid card

In XX/XX/2020, I discovered that an unknown person had access to my bank account. My bank account had to be closed and another account with a new number was opened. I went online to Nordstrom to update my banking information. I attempted to delete my old bank account but was unable to do so. XX/XX/XXXX, I made a payment for {$50.00}. On XX/XX/XXXX, I made a payment for {$300.00}. Unbeknownst to me, I made a payment from the closed account which was the default account ; making me 63 days past due. My statements are set to be delivered via email ; however, did not look at them as I have paid my bill every month on time without issue. I did not receive a phone call from Nordstrom about being 63 days late until XX/XX/2020. I saw the negative marks on my credit report, contacted Nordstrom and they were unable to help me. I have talked to Nordstrom customer service about have the 30-day late mark removed, however they explained that they are unable to do so. I have since deleted my old bank account and brought my account current. The 30-day late payment has dropped my credit score 43 points and it has had a negative impact on my life. I am requesting that the 30-day late payment be removed as soon as possible. I have tried to work with Nordstrom to no avail. I have never missed a payment or made a late payment to Nordstrom and I would like the mistake to be cleared up.
Product: Debt collection

We moved from XXXX to XXXX, and before moving, we went to XXXX and closed our account. Two years later, we have received a notice that we owe {$210.00} in account inactivity fees. We called XXXX and informed them we had closed the account two years ago. They say they have no record of that. Now we are receiving collection notices from Glenn Associates Mid-Atlantic, Inc.
Product: Credit reporting, credit repair services, or other personal consumer reports

accounts are either listed as charged off, collection, or closed and showing a past due amount.
Product: Debt collection

Account # XXXX To whom It XXXX concern : I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. The following alleged collection account is not only listed as being OPEN, but also as having a PAST DUE BALANCE of {$670.00}. This is a violation of the FCRA and is in violation of requisite XXXX Complaint reporting standards. According to the Fair Credit Reporting Act I have a right to a completely accurate credit report, and you a required to remove any information that is not true, verifiable and accurate. 
Please IMMEDIATELY remove this account from my credit report and send me an updated report showing your compliance with all XXXX reporting standards and this account removed upon completion.