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

I was contacted about a collection debt on a credit card that went into collections due to covid 19. I had made a payoff arrangement on XX/XX/XXXX to pay the debt off. I paid it off early on XX/XX/XXXX only to have it remain in collections on my credit report. I had contacted Portfolio Recovery to remedy this issue only to be told the mistake had been made on their end and it would be fixed and removed from my report by XX/XX/XXXX. As of XX/XX/XXXX it still remains on and as having an unpaid amount. Once again I contacted Portfolio Recovery only to be promised the same thing again. I paid this off almost 2 months ago and they are not treating it as so and removing it from my credit only telling me the same thing over and over again and admitting responsibility on their end but not fixing the situation.
Product: Credit card or prepaid card

Account locked after legitimate transaction erroneously flagged. More than a dozen attempts to contact customer support. Repeatedly told I would be called for follow up ; never called. Capitol One continues to refuse to discuss account or resolve erroneous account restrictions.
Product: Credit reporting, credit repair services, or other personal consumer reports

please remove fraudulent / unauthorized inquiries off on report from XXXX XXXX on dates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Commencing on or around XX/XX/year>2023, I fell victim to a multilayered scam operation orchestrated by XXXX, under the domain name XXXX, which involved me making deposits for a total amount of XXXX USD from my XXXX account to fraudulent investment firm ( s ).
Product: Credit reporting, credit repair services, or other personal consumer reports

There has been a debt collection company calling to collect a debt which is not owed by me. I have told them this numerous times and have not had any lending from the original lender for at least XXXX years. 

I just checked my credit report and the debt collection company has repeatedly accessed my credit report without my authorization under an " account review ''. 

Company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Phone : ( XXXX ) XXXX
Product: Money transfer, virtual currency, or money service

I made an APPOINTMENT at US Bank, XXXX XXXX XXXX  XXXX XXXX, Il XXXX, with branch XXXX XXXX XXXX for XXXX pm on XXXX. I was there to obtain a medallion signature guarantee and fax surrender documents on a variable annuity. I arrived at the bank on time and sat down at XXXX XXXX 's desk. I at once explained the purpose of my appointment and displayed the documents that I was told to bring when I made the appointment ; the proof of ownership and the surrender documents.. I explained that I needed to obtain the signature guarantee and have the documents faxed BEFORE XXXX pm as the market closes at that time. I wanted the surrender to be received and executed on that day of business ; XXXX. 
XXXX XXXX began a lengthy dialogue covering many topics and did not seem to grasp the urgency of the situation. At XXXX pm he told me that I did not bring all needed documents to complete the process. Now, somewhat in a panic, I told XXXX XXXX that I could run back to my house, retrieve the required form. and be back in XXXX minutes, He assured me that he would wait for me and when I returned, we would complete the process. 
I arrived back at the bank at XXXX pm and to my astonishment, XXXX XXXX had another customer in his office. At that time, the bank had 2 tellers and another banker available and very few customers. I believe that the other employees could have assisted that customer. 
I was finally able to again sit down with XXXX XXXX and completed the medallion signature process at XXXX pm. The documents were faxed at XXXX pm. My surrender was therefore executed on XXXX instead of XXXX. The annuity was a variable instrument and followed the stock market. The stock market decreased dramatically on XXXX and therefore my account value decreased from {$170000.00} down to {$170.00}, XXXX ; a decrease of {$1200.00}. All of the documents that I had prepared were filled out correctly and the surrender was executed. 
I feel that I have lost {$1200.00} directly due to XXXX XXXX 's, actions. When I initially sat down with XXXX XXXX, I immediately communicated to XXXX XXXX the time frame that I was working under and the documents that I brought with me. He did not tell me at that point that I needed another document. This was a set, confirmed appointment, not a walk-in, chance meeting. The appointment had not been completed and I should have been able to return to the bank and see XXXX XXXX without interruption.. 
I have since communicated with XXXX XXXX and also his retail district XXXX, XXXX XXXX XXXX. They take no responsibility for my loss and actually believe any fault lies with me for not bringing the document that was required. 
I am a retired XXXX Bank employee and customer. I strongly believe that XXXX Bank owes me {$1200.00}.
Product: Checking or savings account

My account was blocked. I was not informed of this block. I came to find out after my card kept declining none of my auto payments are going through. I missed my rent and now many more payments. My check got bounced back and XXXX still waiting on that. I ve been contacting Wells Fargo for the last XXXX weeks and no one was even able to tell me why it was blocked. I went to a branch and provided my paper work to verify the account is mine. They said that it would be unblocked within XXXX hours at most. Its been XXXX  days and my account is blocked and I received no follow-ups regarding this block.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The XXXX  credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mn, XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Credit Report Information Non-Compliance with 1681 or Civil Liability for Negligence Dear Sir/Madam , I am writing to formally dispute an entry on my credit report that I believe is inaccurate, non-compliant with the Fair Credit Reporting Act ( FCRA ) Section 1681, or reflects a situation involving civil liability due to negligence or non-compliance on the part of the reporting party. 

Item ( s ) in Dispute : Account Name : XXXX  XXXX XXXX XXXX Account Number : XXXX Disputed Amount : {$210.00} Date of Report : XX/XX/XXXX Reason for Dispute : Based on my review of my credit report, I believe the information listed above is incorrect or incomplete. Specifically, the issue at hand relates to [ describe the issue e.g., failure to report a debt as resolved, inaccuracies regarding payment history, non-compliance with FCRA regulations, etc. ]. 

In accordance with Section 1681 of the FCRA, I request that you thoroughly investigate this dispute. I believe this item is subject to civil liability due to negligence or non-compliance, which may have led to an incorrect or incomplete reporting of my credit history. Therefore, I am requesting the following actions : 1.A full investigation into the accuracy of the disputed entry.

2.Immediate correction or deletion of any inaccurate or non-compliant information.

3.Written confirmation of the outcome of your investigation within the 30-day window as required by the FCRA.

Enclosed are copies of relevant documents to support my dispute, including [ list any supporting documents, such as payment receipts, account statements, correspondence, etc. ]. 

Please confirm receipt of this dispute and inform me of the status of the investigation within 30 days as stipulated by law. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue. 

Sincerely, XXXX XXXX
Product: Credit reporting

There is a bankruptcy filed in 2005 on my report. This bankruptcy was filed by my son XXXX XXXX XXXX not by me. I am XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX and XXXX have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 

To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below ) 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion
Product: Credit reporting or other personal consumer reports

I changed my name from XXXX XXXX XXXX to XXXX XXXX XXXX on XX/XX/2018. I changed my name with all creditors and all credit bureaus. I sent certified copies from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXXXXXX XXXX XXXX and XXXX made the proper changes and I have not had a problem with obtaining credit through either of these bureaus. My problem is with Experian. I've sent copies of all my paperwork on XXXX different occasions to Experian and spoken with them on the phone 5 or 6 different occasions and nothing has been resolved. I've had rejections from Companies that only use Experian because they don't have any of my credit history except for one credit card, and I've been declined for lack of credit history. I have extensive credit history and can provide you with copies of my XXXX and XXXX reports which are correct. This has been going on for years and I'm extremely frustrated trying to get this corrected with a company that does nothing to help. 
Thank You, XXXX XXXX XXXX
Product: Debt collection

I DO NOT ACKNOWLEDGE OR OWE THIS DEBT. I AM A XXXX FORMERLY XXXX XXXX VERTERAN AND PERSON AND I DO NOT OWE THIS DEBT.THERE IS NO CONTARCT AND NO DEBT. THIS DEBT IS WRONG I DO NOT ACKNOWLEDGE IT OR ANY AMOUNT AND IT NEEDS TO BE TREMOVED!! this company is committing fraud AND ILLEGAL ACTIVITY BY RE-AGING A NON LEGITIMATE DEBT!! THIS COMPANY PLACED IT ON MY CREDIT REPORT AND I NEED IT REMOVED IMMEDIATELY. THIS IS NOT MINE AND THEY HAVE NO PROOF OF THIS DEBT IT NEEDS TO BE REMOVED IMMEDIATELY. I HAVE REPORTED THIS AWFUL EVIL COMAPNY TO THE CFPB, THE ATTROEMNY GENERAL, THE FTC, THE XXXX AND I WILL PURSUE LITIGATION IF NOT REMOVED.I DO NOT ACKNOWLEDGE THIS DEBT AND IT NEEDS TO BE REMOVED IMMEDIATELY. THIS COMAPNY DSICRIMNATES AGAINST AND HATES OUR NATIONS WOUNDED WARRIORS AND IS PREVENTING ME FROM GWTTING A ROOF OVER MY HEAD. I AM XXXX AND THIS COMPANY IS ASSAULTING XXXX PERSONS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX XXXX XXXX, XXXX/FXXXX, and RUSHMORE LMS. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX/XXXX, and RUSHMORE LMS with no successful resolution. There was definitely an error on their part.
Product: Credit card or prepaid card

In XXXX of XXXX we opened our Synchrony Care Credit Card account with 0 % interest payments through our XXXXXXXX XXXX office for XXXX for me. Our payments were XXXX XXXXXXXX. We paid {$150.00} every month interest free until it was paid off. As far as I am aware, there was no specific timeframe in which a balance had to be paid off. On XX/XX/XXXX, we put another round of XXXX, this time for my daughter, on the card for {$3400.00} and have been paying XXXX XXXX   monthly. 

I never received mail statements from Care Credit. I never received email statements from Care Credit. Periodically, I would receive an email that payment has been received and what my balance was. I used the same credit card from XXXX for the XXXX purchase. Over the course of that period, I was issued a new credit card that had a different number on it. I was not notified that the 0 % interest would run out at the end of 24 months and that I would be back-charged the interest if I didn't pay off my balance. In XXXX, my balance due was {$840.00}. If I had known that I would then be charged interest, I would have paid the final balance of {$840.00}. In XXXX, I received a bill for {$2300.00}! They charged me {$1600.00} in accumulated interest with NO WARNING. This is a SCAM. Because I have automatic payments set up and we were on vacation, I did not review the statement until this month as I thought I had everything covered. My bill is now up to {$2300.00}!
Product: Checking or savings account

On XX/XX/2023, I transferred {$2500.00} to a service provider in exchange for a specific service. Despite the payment, the service was never rendered. Consequently, I initiated a chargeback through my bank, which initially refunded the amount and opened a case for investigation. However, to my dismay, the bank ultimately concluded that the transaction did not constitute fraud and is taking back my charge, despite evidence suggesting otherwise. This decision has left me in a state of frustration and financial loss, as I firmly believe that I was deceived and defrauded in this situation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting negative transactions and experiences on my consumer report which goes against 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) where Congress states that reports containing information solely as to transactions or experiences between the consumer and the person making the report should be excluded from a consumer report. 
XXXX XXXX has failed to provide the proper way for me to exercise the nondisclosure option given to a consumer by 16 CFR 313.7 and 15 USC 6802. I have provided them with notice that I have opted out of them sharing my nonpublic financial information with 3rd party nonaffilates. They have ignored this notice and are in violation of the Fair Credit Reporting Act and the Privacy Act of 1974. This is a violation of my rights that are to be enforced by the CFPB according to 15 USC 3805
Product: Credit reporting, credit repair services, or other personal consumer reports

Data completely XXXX up my report again Trying to buy a house FTC violations
Product: Credit card

On XX/XX/year> my wife and I went to Kohls in XXXX AZ to purchase some items for {$73.00}. She tried to charge them to our Kohls card as we were told it would save us some additional money. We like to save money so we used our Kohls card. ( as part of what will become an issue, Kohls we believe, operates this as Kohls charge card not able to be used anywhere else ). The card comes back on their system as expired. The clerk suggested opening a new card ( this one is a XXXX from Capitol One, or will soon be converted to such, unbeknowst to us ) She has some data input issues on their system and it takes kind of a long time to process. Ultimately it goes through, and we pay with the card and leave the store. ( Kind of a big waste of time to save a few dollars actually ) We never got the new card ( even at this writing ) and we never got a statement of any sort until XX/XX/year>. At that time the bill was past due and had accumulated late charges and interest totaling {$110.00}! ( on a {$73.00} purchase ) Apparently we're supposed to know our account number, even though we never received the card. We're supposed to know when our bill is due and where to send it without a proper billing statement, as we never received one until XX/XX/year> ( and it's a new card ). Capital One now operates the card and has finally sent us a bill for the first time on XX/XX/year>. On XX/XX/XXXX we call Capitol one to see if as a courtesy we can get the late fees and interest removed and pay our bill timely going forward. As a courtesy they did remove {$87.00} of the late charges and interest. However they did not remove the remaining late fees and interest of {$31.00} as they said they weren't in charge of the account for that time period. For the record Kohls can't do anything about those fees either as we called on the old card which we still had, and have since destroyed. In short we're disgusted, my wife probably spent XXXX extra minutes to get a new card to save a few ( est. {$4.00} ), then we never get a billing statement or the new card ( which have now closed ) We spent easily 90 minutes on the phone today trying to correct this ( and still owe a frivolous {$31.00} ) for which we receiived nothing but a hard time. Now I'm on this website spending additional time telling the story once more. We have closed this account, and are considering closing a couple other Capital One accounts we have and likely won't frequent Kohls either. We feel we've done nothing wrong, and we pay all our bills, in fact we've never missed a payment on anything ever. HELP
Product: Debt collection

I have long contented that the credit card account was not opened or authorized to be open by me and I suspected a one time member of my household opened and concealed the account from me until their passing. I have repeatedly disputed this alleged debt with the credit bureaus as identity theft with no positive result and have suffered with a negative credit entry that I am not responsible for. Today I received a letter from the alleged debtor stating an option to pay the alleged debt at a 70 % discount. Despite the fact the alleged debt is a result of identity theft I felt this might be a somewhat acceptable opportunity to settle this with the stipulation that once the debt is paid the tradeline would be completely removed from my credit reports and this matter is resolved. I explaining to the representative that this alleged debt is the result of identity theft but was willing to pay the 70 % discount with the stipulation the negative tradeline would be removed. The representative rudely stated " not going to happen '' and went on to say the tradeline could only be updated to Not Paid As Agreed. This is completely unacceptable and fails to resolve my issue of removing a negative tradeline that I did not create nor authorize. Therefore as per my rights under the FDCPA I am submitting formal compliant regarding this alleged debt in which I demand the alleged debtor provide proof that I in fact opened this account. The proof I require is a copy of my signature on the original credit application. Copies of past billing statements does not authenticate me as opening the account.
Product: Money transfer, virtual currency, or money service

On XX/XX/2024, I sent money, {$1000.00} from my Bank of America account to my home country, XXXX through XXXX XXXX. This was not my first time of sending money and through this App. Then on XX/XX/2024, I saw another deduction of the same amount only that I did not make any authorization on this day. I checked my statement and saw that BOA claimed it was sent on XXXX, XXXX. I immediately called XXXX XXXX  to complain but was told that the issue was from my bank. That my bank will refund it. I called Bank of America to report that I did not authorize the said transaction and they said they will investigate. Came back like about 3 weeks after to tell me that I or someone who has access to my account made the transaction to XXXX. I immediately debunk such lie because, first BOA claimed it was sent through XXXX XXXX, but this transaction was not in the transaction history sent to me by XXXX XXXX. Secondly, every of my transaction has both sender and receiver 's information which is not in this case. And I tried clearing this with BOA that this fraud was originated from their bank, but because I am just XXXX person, I can't fight institution. Transaction history and all emails sent to me from XXXX XXXX  are my evidence that this did not come from them but from BOA. They now said they will deduct {$1000.00} from me in XXXX which I know it's nothing but cheating.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance, to the Fair Credit Reporting Act, these creditors has violated my rights. Under 15 USC 1681, Section 602, its states that I have the right to privacy. 15 USC 1681, Section 604A ( 2 ) also states, a CRA can not furnish account information without my written instruction ; furthermore, 15 USC 1666B, also states, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Equifax to check on a problem with my credit score and history reporting not being accurate. They asked me to use an authentication app and submit pictures of my ID and a photo of myself. They received my picture info and told me they couldn't verify who I was and that I could not re-submit my picture or try again. 
They said that the only way to get info from them now, was to write a complicated letter including pictures of me and my ID. This is going to be a very time consuming process and I shouldn't be forced to do this by a company that has a complete monopoly over the nation 's credit reporting information. 
It is very possible the problems with my credit report was caused by Equifax but all of the burden for resolving the issue is on the customer.
Product: Checking or savings account

XXXX XXXX is restricting outbound ACH transactions to {$2500.00} per day ; however, they do not limit inbound ACH transactions. In order to receive the funds via ACH, I would have to login and submit SEVEN separate {$2500.00} daily distributions over the course of 7 business days! They told me they could not process a larger ACH by phone either. Security should not be the concern as I have already verified my bank account through their system, and they can further verify my identity over the phone. 

They get the benefit of holding my funds for longer than they otherwise would -- all the while they are generating additional revenue from investing my funds while only paying me 0.15 % to 0.05 %. For reference, XXXX XXXX XXXX XXXX XXXX fund ( XXXX ) is currently showing a 7-day yield of 5.06 %. This practice is clearly predatory and design to retain funds longer and boost XXXX XXXX XXXX  assets and revenue at the consumer 's expense.