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

XXXX, a Financial Technology platform has hundreds of consumer complaints and negative reviews. they have been allowed to operate with no oversight. My personal information has been used without my permission in XX/XX/XXXX. Multiple written online complaints have already been filed with the CFPB and the FTC. The responses I received from them and the Credit Reporting Agencies ( CRAs ) were unacceptable. The CRAs have claimed that they, " completed its investigation, including contacting the furnisher of the information, where applicable. ". That very well may be the case, however, I demanded that they provide me with the 'Method of Verification ' and verification of whom they contacted, evidence of the investigation under the Fair Credit Reporting Act ( FCRA ). I will continue to file DFPI, CFPB, and FTC complaints, with the intention that the State Attorney General 's Office in their state be also contacted for enforcement. It should be noted that this particular investigation started on XX/XX/XXXX, and is evident that the CRAs have no sense of urgency with the repetitive and unnecessary delays in correcting inaccuracies in consumers ' credit files. CFPB is equally pathetic and serves no purpose to the consumer except to help massage the creditors and furnishers giving them more than sufficient time to complete a " thorough investigation '' The accounts below are being reported fraudulently by Self-Lender and DO NOT belong to me : LEAD BANK aka Self ( CLOSED ) date Opened XX/XX/XXXX, Charge off for {$120.00}. The accounts numbers are : XXXX / XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a victim of Identity theft. I have numerous accounts with significant balances that I do not have knowledge of nor committed. Including address, and phone numbers.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/year> This CFPB has been filed to request pursuant to FCRA section 605B ( 15 U.S.C section 1681c-2 ) that you XXXX, Equifax , and XXXX credit reporting agencies, block information appearing on my consumer credit report that this is a result of identity theft and fraud within 4 business days of you receiving this complaint. These fraudulent inaccuracies and false information consists of mobile accounts and insurance information and collections and false records on my behalf. These accounts have resulted in several fraudulent inquiries and fraudulent collections, I do not recognize the aforementioned accounts or collections and results of the identity theft and they have not been initiated by me. I have attached a copy of the FTC identity theft Complain ref # XXXX as proof from the US Federal Trade Commission that all of the mentioned credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

We had our mortgage payment processed through Autopay, initial XXXX payment made on the XXXX. A second payment was made by B of A on the XXXX creating an overdraft which has been cascading since. Auto payments have been sent and rescinded on 3-4 of our accounts needing to be payed. The bank keeps telling us that we had two payments in Auto Pay for the mortgage. If that was the case they should have been payed concurrently not 4-5 days apart. Resolving this has been difficult due to the XXXX holiday which has a similar feel to the algorithmic problems of the overdraft problems created a dozen or so years ago. I digress, if we had mistakenly put an additional payment to our mortgage company and mistakenly did not properly delete it the second mistaken payment would have been for the old amount not the new amount paid in XXXX. Also every time we call in we have to start the whole process over and still can not get back the money that was taken out of the account. We are now entering more than a week we have been backing here for 30 plus years but will no longer in the future.
Product: Checking or savings account

I was banking with XXXX XXXX then. 2001. I am XXXX XXXX retired. XXXX XXXX XXXX XXXX XXXX division of the XXXX. I deposited my life savings into this account and they never offered me XXXX XXXX. This resulted in my account being hacked. I lost over {$300000.00} in this bank error on the part of Wells Fargo.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXXXXXX XXXX XXXXXXXX Account number : XXXX Account name : XXXXXXXX XXXX  XXXX Account number : XXXX Account name : XXXXXXXX XXXX XXXXXXXX Account number : XXXX Inquiries : XXXX XXXXXXXX XX/XX/year> : XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXXXX/XX/year> : These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Checking or savings account

I purchased a flight via XXXX  on my Citibank debit card. After flight cancellations, I was unable to take a flight to XXXX to be with my family for Christmas. After contacting the airline, XXXX, and Citibank, I disputed the transaction. 

Citibank provided a credit then reversed it and refuses to honor the dispute or do their due diligence.
Product: Debt collection

CAINE & WEINER COMPANY INC,  i was contacted by this company about a debt i was presumed to owe   XXXX   XXXX   (  XXXX  $  ).  I asked kindly for them to forward something in writing. they stated they already had and would not do so again. I tried to explain i had no record and that possibly i had misplaced what had been claimed to be sent. still no luck, then i tried to further explain that with all the robots and scam collection efforts in this country that i really needed this confirmation, I received no less than  4  calls from the same collections person presumably in California, same thing each time, they did insist i contact progressive, I asked if they were the ones servicing the debt? answer yes, again asked them to confirm by mail and assured them we could do something about the debt than all would be happy, still no luck they were unwilling and somewhat inconsiderate and unhelpful in the collections attempt, also disputed was the amount, they would have no part of this, ultimately  XXXX  did contact me about an error in the amount (  XXXX  $  )! !! but by this time the debt had been reported to the credits agencies b y Caine & Weiner.  it would seem unfair if not illegal for a company or person be able to report a debt for collections if they are unwilling or unable to service a debt
Product: Credit reporting or other personal consumer reports

It is with deep concern that I bring to your attention a violation of my federally protected consumer rights to privacy and confidentiality under the Fair Credit Reporting Policy, 15 USC 1681a ( 2 ) ( 1 ). This violation is in accordance with the Fair Credit Reporting Act, as evidenced by the list of accounts below. Consumer ( individual ), person ( company ) transaction ( payment history ), and experiences ( utilization ) should NOT appear on a consumer 's credit report. 
As a consumer, I request that the below accounts be changed to OK or PAID AS AGREED. I also request that the history of the account with late payment statements be removed from my report, NOT the account itself. 

Accounts names are as follows : ALL ACCOUNTS with LATE PAYMENTS : XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, etc. 

I looked at my XXXX credit report on XX/XX/2024, and noticed some incomplete and inaccurate things. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates, according to 15 USC 1681 ( e ) ( b ).

According to 15 USC 1681i 5, they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information.

( A ) Generally, 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 ( B ) Promptly change the status of the 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 ( C ) Promptly notify the furnisher that information has been modified or deleted from the consumer 's file. 

According to 15 USC 1681s-2, they are supposed not to furnish any information relating to the consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX, i tired to get a XXXX XXXX card and got denied XXXX is reporting that XXXX XXXX is high risk or have a delinquency score XX/XX/XXXX XXXX XXXX XXXX XXXX  denied me for a gas card
Product: Credit reporting, credit repair services, or other personal consumer reports

My information has been compromised and used without my knowledge. It is the direct result of the numerous XXXX  breaches and them leaking information to sell identity theft products. As a result of XXXX  willful negligence which is the direct violation of federal law section 609 ( a ) ( 1 ) ( A ) and 617 my credit report has been injured. False fraudulent information has submitted without my knowledge. There are no contracts baring my wet ink signature there are no records of this fraudulent debt. I will submit a copy of my credit report in which items masquerading as accounts were deleted.
Product: Debt collection

Recently, I discovered that XXXX XXXX XXXX account, with the account number XXXX, is being reported on my credit file. To my surprise, other credit bureaus, specifically XXXX and XXXX, have already recognized an error in the reporting of this account and have taken the necessary steps to remove it from their records. I am perplexed and disappointed that your bureau has not followed suit. According to the information I have received, there was a confirmed error in the reporting of this account by XXXX XXXX XXXX, and they acknowledged and rectified it promptly. It is unclear to me how this discrepancy persists in your records while other bureaus have updated theirs accordingly. I implore you to investigate this matter thoroughly and take the necessary steps to rectify the reporting of the XXXX XXXX XXXX account on my credit report promptly. Your compliance with the law, as well as the precedents set by other credit bureaus, is crucial in maintaining the integrity of my credit history.
Product: Checking or savings account

Capital One Credit and Debit Cards have significant delays in processing transactions usually 3 days or more resulting in over limit fees and negative account balances. I had paid my cc bill in full last month only for them to debit the amount from my checking account immediately but withhold the credit line for 7 days. During that time they allowed a charge to be processed with with no available credit resulting in over the limit fee and finance charges. I had a day on my cc recently where I made payments within 24 hrs. They were not posted immediately. My balance on my cc was {$83.00} XXXX the next day {$460.00}. I woke up this morning to a negative checking account balance because their system has significant delays and gives erroneous balance information.
Product: Debt collection

I have a contract and billing issue. They loaned me XXXX and electronically debited my savings account for XXXX for XXXX4 months. They than debited my account and twice when they had agreed twice to take out the full amount and my loan would be paid in full.The company continued to debit for an additionally 2 months for XXXX. Instead of the full amount. The contract reads that I can pay off early as long as I let them know ahead of time as stated in their contract. I have blocked my account and paid a {$25.00} fee to the credit union. for the block. I also have an active case with the XXXX in XXXX. I also paid them for at least 4 months XXXX for a {$300.00} loan. Also they call themselves installment loan and payday loan company. They say they are XXXX depending on what day it is. Mine is XXXX but there is only XXXX loan. Also this is the other website XXXX This is the name the original loan company before they became big picture loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

The three credit reporting agencies which are XXXX, Experian, & XXXX  have information on my credit that Due to the law & regulations of the FCRA & Debt Collection Practices Act by this financial institution not being able to provide the necessary documents to verify this debt by the law I demand that this account be removed from my credit report from all three  credit bureaus ( Experian, XXXX, & XXXX  ). I have been asking the credit bureaus for an actual contract/agreement with my signature according to the Debt Collection Practices Act, section 1692g. 1. The original application or contract. 2.Any all statements allegedly related to this debt. Any & all signed receipts. If they fail to present all the documents I demand that this immediately be removed from my credit report from all 3 credit bureaus. This law is also listed under the FCRA SECTION 609 ( a ) 1 ( A ) you are required by federal law to verify with the physical original signed contract.
Product: Credit card or prepaid card

My check card was used out of state at XXXX XXXX restaurant in the amount of XXXX and XXXX back to back on the same day. I disputed the changes through Bank of America and received a temporary credit in those amounts and the credit was reverse stating that a chip was used. 

The amounts are almost exactly the same.
Product: Debt collection

I have constatnly contacted this agency about producing me with a copy of the original signed contract which is required to be produced to a consumer under the new UCC Laws. This company has yet to produce a original contract showing that I am liable for this account or that I signed and opened this accoutn in my name. Even after Credit One sent a letter sayign they are no longer tryign to collect on the debt this agressive unethical agency still persists to persue a debt they have not rightfully or lawfully validated. My next step is court. I have already retained counsel.
Product: Credit reporting or other personal consumer reports

To : Credit Reporting Agency Subject : Request for Removal of Unverifiable Account Dear Credit Reporting Department, I am writing to formally notify the Consumer Financial Protection Bureau ( CFPB ) regarding the deletion of a charge-off entry on my XXXX credit report for the account associated with XXXX XXXX XXXX XXXX which was disputed by me. After the dispute investigation was completed on XX/XX/year>, XXXX has deleted this account entirely from my report. 
This deletion, however, presents a critical issue : since XXXX has determined that the account is unverifiable and has deleted it from my XXXX report, I am requesting that the other Credit Reporting Agencies ( CRAs ) namely, Equifax, XXXX, and XXXX also delete the unverifiable charge-off from their records. 
Relevant Consumer Protection Laws Under the Fair Credit Reporting Act ( FCRA ), specifically Section 1681i, when a consumer disputes information on their credit report, the CRAs are required to investigate the claim. If the disputed information can not be verified, it must be removed from the credit report. This law grants consumers the right to ensure that their credit report is accurate and complete. Additionally, Section 1681e ( b ) of the FCRA mandates that CRAs maintain reasonable procedures to ensure the accuracy of the information they report. 
Since XXXX has completed the investigation and determined that the account can not be verified, I request that you apply the same standards and remove the account from your records. I urge the CRAs to complete this process within 30 days from the date of this letter. 
Legal Consequences of Non-Compliance If the account is not removed from my credit report within 30 days of this notice, I will consider pursuing my legal rights under the Fair Credit Reporting Act ( FCRA ), which gives consumers the right to sue for damages in cases of willful or negligent non-compliance. Under Section 1681n and 1681o of the FCRA, consumers may seek statutory and actual damages as well as attorney 's fees for violations of the law.

Additionally, I may choose to file a lawsuit to enforce my rights, as I have been harmed by the reporting of inaccurate or unverifiable information. It is crucial for my credit standing that this matter is addressed promptly and correctly, in accordance with the protections afforded to me under federal law. 
Request for Immediate Action I respectfully request the following actions : Removal of the unverifiable XXXX XXXX XXXX XXXX charge-off from my credit report within 30 days of receiving this letter, in accordance with the FCRA. 
Confirmation from the CRAs that this information has been removed, with a notice that the entry was deleted due to non-verification. 
If this account is not removed, an explanation of the continued presence of this unverifiable account, which would be in direct violation of my rights under the FCRA. 
Thank you for your prompt attention to this matter. Please inform me in writing once the necessary corrections have been made to my credit report. I look forward to resolving this matter quickly and amicably. 
Sincerely, XXXX XXXX
Product: Checking or savings account

Capital One Bank is not paying or denying payment requests through ACH to XXXX XXXX Bank which has been ongoing since XX/XX/2022. Capital One Bank does not process payment requests during the specified payment timeframes and seem to wait until the last minute to pay items which cause payments to get denied resulting in negative consequences like closed credit card accounts or fees. Capital One bank told XXXX XXXX Bank too close my credit card account even though I pay the credit card thru ACH using the same account since XX/XX/2022 which receives direct deposits from the same employer for 3 years. Capital One Bank had placed my account on hold in XX/XX/2022 for no stated reason and without warning causing me to run out of gas on the way to work which resulted in me having beg a stranger at the gas station for {$2.00} to make it to the bank. Next having to call and beg Capital One customer service, while in the banks driveway at XXXX, to contact corporate employees to release some of my funds for use in XX/XX/2022. Capital One Bank as recent as XX/XX/2022 told XXXX XXXX bank to close my credit card account after denying payment and a XXXX female manager refused to let me talk to anyone to resolve my issue and the in-branch tellers told me that my only option was to call the XXXX number and talk to customer service. Capital One Bank manager said that the call was recorded and there should be an official record of the call which happened in XX/XX/2022. I suspect this manager was the one who sent me a letter threatening to close my account if I called back to complain and possibly the one who told XXXX XXXX Bank to close my account.
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping thatXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these disputed items get corrected.
Product: Debt collection

I have been receiving up to XXXX phone calls a week from Reliant Capital regarding a debt from XXXX that I disputed with the school. I never agreed to pay the amount in the first place with the school but the debt collector is calling repeatedly up to 3 times per day. When I answer the phone they do not speak, just silence every time. They call while I am working as well as when I am home. I have asked them to stop calling, they wait a few days and start again. 
Just from this past week I have records showing they have called : XX/XX/XXXX : XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX. 
When I do answer their calls, again which are excessive to say the least, they do not say a word. I have sat on the phone for periods of time to see if someone responds, they do not. I called back in right after today and was immediately informed it was regarding a debt, they did not verify who I was, just assumed. They did not ask my name, just stated it and the debt that I owed. This occurred at XXXX today on XX/XX/XXXX. 
Between the dates of XX/XX/XXXX to XX/XX/XXXX I received XXXX phone calls from them as well.