23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

I am a rush card memberOn XXXX XXXX, 2015 funds that were on my rush card disappeared! Due to a system issue with rush card my funds havent been available to me for close to a month now! Everytime I call rush cards customer service and ask about my money and where it is they hang up on me! I just want my money the money that I worked hard for and because of rush cards unprofessional business my gas and lights were shut off! Im not planning to file a lawsuit against this company because they will not release my money!
Product: Bank account or service

I opened a savings account with Barclays US on XXXX/XXXX/2016 and made an initial deposit of {$1000.00}. I authorized the money from the account to be transferred from my XXXX XXXX Account. After opening the account, I established and verified an external transfer with XXXX XXXX Checking. Since this date I have been accruing interest in the savings account but have not transferred additional money. On XXXX/XXXX/2016, I requested to transfer a portion of the funds to my XXXX account. I was informed that my account was on " hold '' due to failure to verify the source of the deposit and no withdrawals could be made. I called customer service and spoke with a supervisor. She informed me that because I did not establish an external transfer relationship with the account where the funds were initially received, I could not have access to the funds at all. I also was informed that there was no other recourse since this bank operates completely online. She also refused to allow me to close this savings account and have the funds returned to the source without interest. I believe that I met the Terms & Conditions of the account service by establishing an external account relationship with the bank where the funds were initially transferred, which has the same routing number. I provided proof of identify when I authorized the initial transfer of funds from XXXX and Barclays inherently acknowledges that the funds came from an appropriate source by accepting the funds and providing interest on the account for the past five months. Barclays has not contacted me by phone or mail to inform me of any concern with my account and will not release the funds unless I verify the initial account through test deposits, which will take several days to accomplished. I am extremely concerned that Barclays has withdrawn money that I authorized, has had custody of my funds for five months, but now refuses to release these funds to me. According to the Terms & Conditions, this Dream Savings account does not require a minimum initial deposit and only requires a minimum amount for {$0.00} to be accured in interest each month. There is no reason why I should not have immediate access to my funds as an account holder and if there was a concern, the initial deposit should have been returned and the account closed after 5 business days.
Product: Payday loan, title loan, or personal loan

They are not applying my payments timely, then sending texts and emails stating missed payments. They will likely attempt to report negative to my credit report. I notified them of payment had been made timely, and they simply repeated that they do not have my payment, despite having proof of payment, with confirmation number.
Product: Credit reporting or other personal consumer reports

To whom it may concern : I am an identity theft victim. I am writing to dispute the following items in my credit report. Each of the accounts and transactions I disputed were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. 

XXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$210.00} XXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$2800.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX {$21000.00} XXXX XXXX XXXX 
Reported : XXXX XXXX, XXXX {$2100.00} XXXX XXXX XXXX XXXX XXXX  XXXX {$1200.00} 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: Debt collection

I received a bill from XXXX XXXX ( XXXX XXXX XXXX XXXX ) for {$52.00}, which I paid on XX/XX/XXXX, when I was made aware of the balance due. On XX/XX/XXXX, I received a debt collection notice dated XX/XX/XXXX from Lamont , Hanley & Associates demanding payment for {$52.00}. Although the debt was paid in full, XXXX XXXX ( XXXX XXXX XXXX XXXX ) still referred me to a collection agency. This is not in compliance with the Fair Debt Collection Practices Act.
Product: Credit card or prepaid card

Got a XXXX XXXX card in XX/XX/XXXX. Capital one closed my account in XXXX because they learned I had XXXX XXXX despite my great credit. Said it was a business decision which makes no sense because they exist to extend credit to credit worthy customers. They even said it didn't have to do with my creditworthiness. I moved on. They owed me {$25.00} when the account closed in rewards points. Finally they cut me a check for that amount in late XX/XX/XXXX. Check # XXXX. I deposit the check. That check bounces and my bank charges me {$10.00} because their check bounced. I demand the same amount plus {$10.00} I lost to the bank through no fault of my own. They won't do it. Said they'll issue another check for the original amount. I'm scared to cash another check from them. Not sure I'd get the money and possibly just lose another {$10.00} to the bank because capital one can't cover a {$25.00} check. It is ridiculous.
Product: Mortgage

Overcharged with errors on final claim and then again later. Mr Cooper is calling me and sending letter to deal with them. But they have not fixed errors.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Date- XX/XX/XXXX - i filed a complaint Nothing has been removed XXXX XXXX XXXX Date- XX/XX/XXXX - XXXX filed a complaint Nothing has been removed XXXX XXXX Date- XX/XX/XXXX - i filed a complaint Nothing has been removed XXXX XXXX XXXX Inquiry Date- XX/XX/XXXX - i filed a complaint Nothing has been removed XXXX  Inquiry Date- XXXX - i filed a complaint Nothing has been removed XXXX XXXX  XXXX XXXX XXXX Date- XXXX i filed a complaint Nothing has been removed
Product: Credit reporting or other personal consumer reports

Creditor Name : XXXX Account Number : XXXX Date of Opening : XXXXXXXX XXXX XXXX This above account is reporting on my credit profile is fraudulent. I never applied for this account.
Product: Credit reporting or other personal consumer reports

You inform me to contact the creditors and I have done so. According to FDCPA 809b you are required to update these accounts until they validate. I have requested validation and they have not produced it. Please update them now XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. If your investigation is not able to confirm the validity of the accounts information I believe is inaccurate, please update it right away. Additionally, please supply the description of the procedure used to determine the accuracy and completeness on the information to my address provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$11000.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

-- AUTO ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit card or prepaid card

I have 2 Citi Double Cash credit cards. I can change the due date on one but can not on the other ending in XXXX. After pursuing this for almost a month and being given various misleading answers, I was informed today that no Citi card may change their due date till XX/XX/2019 as they are increasing the Late Fee on account to {$39.00}. So ... if a person has issues with making payments by a given date, due to payroll date issues or even Govt Shutdown issues, Citi would rather the customer and their families incur ADDITIONAL Late Fees instead of allowing them to change their due date and assist the cardmember? I can understand operational issues, but not allowing millions of cardmembers to change their due date for Over SIX months is simply ridiculous and Evil! Also, one of my cards, which is identical to the other one, can in fact change the due date, so the original statement made by Citi was a blatant lie. Citi also indicated that if I wanted to change my card type to another product with a Big Annual Fee, I am actually permitted to ... .so any changes that Benefit Citi are A-Okay, but changes that could help a cardmember manage their finances ... not a good thing for Citi .
Product: Credit card

I received an email from XXXX XXXX alerting me to a hard inquiry on my credit. 
I received an email from Capital One reporting that I had changed the number on my account and had been approved for a new card. I had not changed the number or applied for a new card. I called Capital One and reported the fraud. They said the account had a {$0.00} balance and that they would start a fraud inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update these in my file : 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 XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I received a notification on my XXXX XXXX today regarding a new account being added to my credit report. I did not open this account or gave anyone any authorization to open one. 
please remove this fraudulent account from my credit report as it does not belong to me. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

am writing to formally complain about Equifax 's failure to provide me with my credit report, which I believe is in violation of my rights under the Fair Credit Reporting Act ( FCRA ). According to the FCRA, consumers have the right to access their credit reports and dispute any inaccurate or incomplete information contained within them.

Despite my repeated requests, Equifax has not supplied my credit report, making it impossible for me to verify the accuracy of the information they maintain about me. This lack of compliance not only impedes my ability to monitor my credit but also violates my rights under 15 USC 1681e and 15 USC 1681g, which require consumer reporting agencies to furnish requested information.

I request that the Consumer Financial Protection Bureau ( CFPB ) intervene on my behalf and ensure that Equifax complies with the law by providing my credit report promptly.
Product: Credit card or prepaid card

I received a US bank reliacard in the mail this week. Based on research, it should be sent to people who have filed unemployment claims. I am employed and have not filed a claim.

I was notified earlier this year that a fraudulent claim was filed in my name. I reported it to the appropriate authorities.

I will not activate the card, but I want to know if there are other steps I should take to protect myself.
Product: Vehicle loan or lease

I HAD SEVERAL AUTO LOANS AT SANTANDER OVER THE PAST 12 YEARS AND NEED LOAN NUMBERS AND INTEREST RATE T.I.L.A. ON ALL
Product: Debt collection

I receive at least 10 calls a day from Nuvell Financial. When I pick up they say please call certain number. When I let the answering machine pick up they leave no message.
Product: Credit card or prepaid card

I applied for a Bank of America rewards card. The terms were 13.99 % to 23.99 % depending on your credit. My credit is Excellent and over XXXX. When I received my credit card the disclosure showed my interest was 23.99 % I called customer service at Bank of America and talked to someone in Maine on XX/X/17. I asked her why my interest was so high when I have great credit. She tried deflect and said well it 's interest free for one year. I again stated to her that the web site said 13.99 to 23.99 and wanted to know why my interest was so high. I told her this was misleading and wrong. She stated she could not do anything about it. I told her I would never do any business with Bank of America. Is this a big deal maybe not. I am complaining for the people who do not look at the fine print and before they know it they are in financial trouble.
XXXX XXXX  Visa cash reward card XXXX XXXX XXXX XXXX You can publish this. I cancelled the card
Product: Credit reporting or other personal consumer reports

After I forwarded a copy of the FTC report, it became apparent that you 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. 
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 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 XXXXXX/XX/XXXX
Product: Credit card

I owe {$100.00} to Grid/Synapse/Hatfield . I've tried to call, email, everything in my power to connect with them so I can pay my debt and get this removed from all 3 credit bureaus. they will not accept payment. They are hurting my credit. I've even called the number on my credit report for them, turns out its A XXXX XXXX PHONE NUMBER SO NOT EVEN A REAL WORKING PHONE NUMBER WITH AN OFFICE XXXX SOMEWHERE. This is a tough predicament to be in because I only owe {$110.00} and no one from that company will respond to me. Only bots. they have no human agents. I still have access to the Grid app, but I am not able to pay my debt off. this are trying to ruin my credit report and they are trying to keep charging me for monthly subscriptions even though I've tried to cancel my account multiple times. No one will help so I'm turning to CFPB. The company known as Grid ( shows up as Grid/Synapse/Hatfield on my credit report ), none of them will let me pay my debt off and get this deleted from credit report.
Product: Credit reporting or other personal consumer reports

This communication is in regards to Accounts ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that have been furnished to my consumer report by the Original creditors, respectfully. These alleged debts are showing on my consumer reports as collections or charged off but there hasn't been any 1099c sent to me for these alleged debts, if its charged off, per the IRS regulations. That is tax fraud and identity theft. Under law this income should have been reported on a 1099c and I have not received it in the mail. You are liable to pay a penalty if that has not been sent. These alleged debts should not be reporting to any consumer reporting agencies, as these alleged debts, after being charged off, are considered to be INCOME to the consumer, and therefore have no place on a consumer report. I have disputed directly with the consumer reporting agencies, but the have not been of any service. Its nearly impossible to speak with a live agent when you call them. In addition, the furnishing of these accounts is a direct violation of several federal regulations, including the FCRA, REGULATION P, The Privacy Act of 1974, as I, the consumer, have not given any entity the express written consent to furnish any of my nonpublic personal information. I am now exercising my consumer right to OPT OUT. Please remove these accounts IMMEDIATELY as they are causing my family and I great harm and distress.
Product: Credit reporting or other personal consumer reports

A company called XXXX XXXX requested my credit report a couple weeks ago and then yesterday I got a credit card in the mail. I never applied for any kind of a credit card with no one.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a car accident in XXXX of 2018 that led my car being totaled. Credit acceptance knows of everything. They have my account as open when its supposed to be closed and sent out to collections. This is causing my account to constantly be dinged as 120 days past due. I have provided gap coverage from the contract I signed when getting the car. They didnt satisfy the loan so they have sent me through so much troubles to get this off my report. They have garnished my checks which is really a pain because I dont have it. They are fraudulent crooks. They have no reason having my account as an open installment still.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 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 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 which antedates the report by more than seven years.

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.
Product: Debt collection

I am submitting this complaint because I am being extremely affected by CREDIT COLLECTION SERVICES , INC, They are being completely unfair and I dont know how to get ahold on them but through this portal. 


I want to express that I have suffered a big impact in my credit score and I have lived one of the worst periods of my life with all this situation. 

I got no notices to my new address despite giving original creditor ( XXXX ) my new address. I was told there were no bills due at time. At my new address I had comcast address and paying my bills, no one told me about anything being past due from my prior address. 


As a last resort prior to taking legal action, Im submitting this complaint to see if CREDIT COLLECTION SERVICES, INC, is willing to resolve this matter by remove tHE account from all credit bureaus. 


My account is : Account number : XXXX. 
Open date : XX/XX/. 
Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Jefferson Capital Systems LLC is reporting a delinquent collection account to the major credit bureaus that does not belong to me and is reporting incorrectly as if it does. I've attempted to resolve this by disputing this entry with the major credit bureaus, as well as contacting the company asking for validation of this alleged debt. I have yet to receive any form of validation of this alleged debt. XXXX Mailed XX/XX/21 ) According to the FCRA, Jefferson Capital Systems LLC has violated my rights as a consumer and I am requesting legal action to remove this account immediately. I have attached the multiple notices that they've sent me as well as the validation letters that I've sent them. This is hurting my credit and I need it removed immediately as it is not my account or debt. Thank you for your assistance.
Product: Mortgage

J G Wentworth missed my closing date by 5 days. I was finally informed that Wentworth did not service land lease properties, even though they knew from the beginning as stated on the purchase agreement, that the condo was on corporate leased land. That was the ONLY reason they gave. Escrow by this time was in it's fourth week, fees paid, deposits, inspectors, title and realtors, spending unbelievable amounts of time on the process. Leased land properties are very common in southern California and Wentworth cost everyone concerned thousands of dollars in time and money. This was through XXXX XXXX, executive membership program. Incidentally, recommended by Wentworth broker.
Product: Bank account or service

Certain time periods of time in the year we deposit checks to our personal account at BOA and also our clients deposit to the same account because of clients convenience sake.We also take business checks for business account with another bank and deposit into our personal account at BOA. Because of this process our checks have never bounced from either account. 
we have been account Bank of America since 1977
Product: Debt collection

I ordered a credit card from XXXX XXXXXXXX in 2012 never received the card it was constantly being used and charged and I sent them a police report and they still havent taken it off my credit