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

I did the transfer of {$100000.00} from our Checking Account with the Bank of America on XX/XX/year>, in order to fund a newly open account with the XXXX XX/XX/XXXX. However, the money did not reach the XXXX XX/XX/XXXXby some reason. I contacted the XXXX XX/XX/XXXXand they replied that the money in a XXXX party which does those transactions between the Banks. I opened a case with the Bank of America in order to return the failed deposit. Nothing happen since, so I contacted the XXXX and requested the escalation. On XX/XX/year>, the XXXX representative XXXX XXXX. XXXX, had organized a XXXX call with the Bank of America manager named XXXX. XXXX provided all info for the money return XXXX Bank of America case # XXXX ). Nothing happen and money still stay somewhere in a XXXX party. On XX/XX/year> I asked XXXX ( the XXXX XXXX  ) to help me return this large amount again. At that time, after waiting for almost XXXX hours, we talked with the Bank of America XXXX XXXXXXXX XXXX XXXX XXXX. It turned out the Bank of America closed the case without resolution. We demanded to reopen the case ( see above ) and, according to XXXX, they could return the {$100000.00} back within 1 day. Yet again nothing happened. Moreover, from our saving account with the Bank of America was withdrawn fraudulently {$3500.00} same time we talked with XXXX via XXXX what we do not use for payments. 
Please help us to return our money {$100000.00} from failed transfer and {$3500.00} illegally withdrawn payment, we did not set up. 
Sincerely, XXXX and XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following negative items listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} These items remain unverified and raise serious concerns about their legitimacy. I have made numerous attempts to resolve these inaccuracies by submitting disputes and providing supporting documents, but I have yet to see any action taken to correct them. This inaction has had a detrimental impact on my financial stability and has taken a severe toll on my personal health. The ongoing stress caused by these unresolved issues has made it difficult for me to focus on daily life. 

As outlined in the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report free of unverified and inaccurate information. I ask that you investigate these matters thoroughly and resolve them immediately to ensure compliance with federal regulations.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX Balance : {$2700.00} XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX Balance XXXX {$7800.00} XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit card or prepaid card

I had a XXXX credit card through Fifth Third bank. Fifth Third bank was notified of my new address since XXXX of XXXX. Despite multiple requests, Fifth Third continued to send statements to a prior address. Sometime in XXXX, payment on the XXXX fell behind, unnoticed in part because Fifth Third continued to mail statements to the wrong address. Subsequently, Fifth Third reported a failure to pay to all credit agencies, dramatically lowering my credit score. Despite this negative reporting, Fifth Third failed to send me any notice of the same as required by 15 USC 1681s-2 ( a ) ( 7 ). 

With no notice of this negative report and statements not being sent to me, the problem went unnoticed for a period of five months, was subsequently discovered on a credit report, and the balance was paid in full. Fifth Third, now refuses to remedy this reporting problem and their violation of the Fair Debt Collection Practices Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX XXXX XX/XX/96, last 4 of SSN XXXX, I am contacting you today because I took a look at my credit report and I noticed that there is an account on there that was not authorized by me, ( XXXX XXXX XXXX ) ( XXXX XXXX XXXX XXXX ) in the amount of {$770.00}. Account # ending in XXXX. I have never been to this institute before and when i contacted the institute they gave me the run around and told me there wasn't much that they can do. I believe I have become a victim of fraud, can you please help me to get them to share proof that this account is mine.
Product: Credit card

At the end of last year, i purchased a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX This XXXX XXXX ended up having a XXXX XXXX XXXX  in which the cover could not sit on it and seal. This required a whole new XXXX XXXX usually since the XXXX XXXX and cover have to be the ones that originally came together. Can not be mismatched with others. 

The merchant would not agree to helping pay the labor to move the internals from this XXXX XXXX  to a different one, or agree to paying the shipping to return this product. So i opened a bank dispute with American Express, and provided evidence of everything. I still somehow lost, and i was provided a merchant pdf resolution that stated they offered a refund which was not true. I decided to move on and fix the issue myself. I remachined the side of the cylinder head to work. 

Fast forward to XXXX, I try to turn the car on after getting the engine back from my mechanic. The car will not start properly and is throwing a code for the XXXX XXXX XXXX. I have my mechanic check and he finds that the XXXX XXXX XXXXXXXX and faulty, the trigger is misaligned from factory and causes the motor to be off timing. This chewed up the journal in the XXXX XXXX  right beside this area. The company leaves me on seen and will not respond to my messages. I will attach proof of all this. 


My problem now is that American express will not acknowledge my new issue, they 3 times now have copy and pasted the same resolution from the first situation in XXXX without having the merchant reply to this new problem that I am having that is much more significant. I even called and escalated this through Amex and was told that they see that ive been having my dispute over looked and the response has no context to the current problem. I had an escalation agent TELL me this herself. And she PROMISED that this would not happen a third time. Well today, i uploaded even more evidence only to be responded with yet again - another copy and paste of the resolution from XXXX which has XXXX context to the current problem. 

This issue is costing me more than I paid for the cylinder head and it is causing me so much stress. I have not had my car driving for months because i can not get this resolved the right way with my bank. I am at a wits end and need help. 

I will attach my second explanation for the new problem that i provided for Amex as well for you to read.
Product: Consumer Loan

I brought a car from XXXX XXXX in XXXX, Texas in XXXX, 2011 I found out my company had lost the contract at XXXX and I was GOING TO OUT OF WORK. I contacted the dealership and told them that I could not afford to pay for the car, they told me to contact the dealership. call Regional Acceptance CO a week after I brought the car and tried to explain to them my dilemma. They tried to talk me into keeping the car, and finally decided to come to my home and pick it up. I will be a first time home buyer and thgis is stopping me from purchasing a home. CAN YOU PLEASE HELP ME?
Product: Debt collection

I am writing to formally report an incident of identity theft that involves a fraudulent account on my consumer report. This account is associated with Jefferson Capital Systems account number # XXXX Date of Initial Contact : XX/XX/XXXX On this date, I wrote a letter to Jefferson Capital Systems requesting validation of the alleged debt pursuant to 15 USC section 1692g. I did not receive any response from the company after waiting a reasonable time of 30 days. 
Date of Follow-Up Contact : XX/XX/XXXX After receiving no response, I sent a follow-up letter to Jefferson Capital Systems exercising my rights for validation of this alleged debt. Again, I did not receive any response from the company. 

Jefferson Capital Systems has not provided any validation of the alleged debt. Additionally, they do not have any permissible purpose to pull my credit or furnish my private information on my consumer report. 

I am reporting this fraudulent account as a case of identity theft pursuant to the following statutes : 15 U.S. Code 1681q Obtaining information under false pretenses ( Fair Credit Reporting Act ) 18 U.S. Code 1028A Aggravated identity theft ( Identity Theft and Assumption Deterrence Act of 1998 ) Summary of My Actions : Sent initial validation request on XX/XX/XXXX with no response. 
Sent follow-up validation request on XX/XX/XXXX with no response. 
Verified that Jefferson Capital Systems lacks permissible purpose for their actions. 
I request the CFPB to investigate this matter and take appropriate action to resolve this issue.
Product: Credit reporting or other personal consumer reports

I am filing a formal dispute regarding Equifax mishandling of my prior disputes and their failure to comply with the requirements of the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ). The CFPB 's recent lawsuit highlights systemic issues with Equifax handling of consumer disputes, which are directly relevant to my experience. 

Despite submitting evidence to support my dispute, Equifax failed to conduct a proper investigation. Specifically : Unjust Investigations : Equifax failed to convey the full details and supporting documentation of my dispute to the data furnisher. Instead, they appear to have accepted the furnishers response without question, even though it contradicted the evidence I provided. 

Failure to Provide Investigation Results : The response I received from Equifax was vague, confusing, and did not provide specific details of their investigation or evidence supporting their decision. 

Potential Improper Reinsertion of Inaccurate Information : I am concerned that Equifax may have improperly reinserted information I previously disputed and believed to be corrected.

Equifax actions appear to violate the following : FCRA 1681i ( a ) : Failure to conduct reasonable investigations of disputed information.

FCRA 1681i ( 5 ) ( B ) : Improper reinsertion of previously deleted information without proper notice.

CFPA Prohibitions : Engaging in unfair acts or practices by failing to ensure accurate investigations and providing misleading or ambiguous responses to consumers.

Reinvestigate the Disputed Information : Conduct a proper and thorough investigation of the disputed account and provide detailed results of your findings. 

Remove Inaccurate or Unverifiable Information : If Equifax or the furnisher can not verify the disputed account with evidence, delete it from my credit report immediately. 

Provide Investigation Details : Share all documentation you used to verify the disputed account, including records from the data furnisher. 

Ensure Compliance with the Law : Prevent improper reinsertion of any previously disputed or deleted information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per Certified Credit Reporting Report # XXXX, XXXX, Equifax, and XXXX have erroneously listed some mortgage accounts under " delinquency '', however after contacting the mortgage company ( XXXX XXXX - XXXX : XXXX ), they found this to be in error. To date, neither the mortgage company nor the credit bureaus have fixed this error.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/18 I wanted to see my free credit report so I XXXX " free credit report. '' TransUnion was the first one to come up, although it was marked as an Ad. I clicked through it and never saw that there was a {$19.00} charge, although I did enter my credit card information. They showed me my credit report but wanted me to " continue, '' then my I got a receipt in email for the {$19.00}. I called the company immediately and they said there was no such thing as a free credit report, I had to pay somebody and had paid them. I asked for a refund and they said the best they could do was discontinue the subscription.

I called the credit card company and they will file a dispute for me. But I'm pretty tech savvy and never saw on the website that they'd charge me. This is quite deceptive since Trans Union is one of the 3 credit reporting agencies where we're supposed to get the " free '' credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXX/XX/XXXX Open Last Payment : XX/XX/XXXX Didnt open or made a payment for this fraudulent account. My wet signature isnt on any documents. Phone calls & letters were sent, never any feedback!
Product: Credit reporting or other personal consumer reports

I have addresses that are not mine reporting on my credit. I disputed them a few years ago and no its reporting again.
Product: Mortgage

In XX/XX/2020, I lost my job. I contacted Fifth Third Bank, who my mortgage is through, in order to request Mortgage Assistance. I was informed to complete an application and email it to their email at XXXX. I did this, with supporting documentation showing my lack of work. I was put into forbearance in XX/XX/2020 due to COVID. This was for 6 months. I was not given options on other ways to resolve my conflict with my payments. Fifth Third is now stating that they never received my application, despite that their website states you have to apply for forbearance. They are also stating that I do not qualify for loan deferral to add what I am behind on in payments due to being delinquent prior to COVID. However, I requested mortgage assistance prior to COVID. Fifth Third is unwilling to help me through my financial hardship and is requesting I submit another application which takes 30 days minimum to process. That does not help me when my forbearance is coming to an end. The answers I am getting from one employee to the next keeps changing and I do not understand what I am being told and why I can not get a loan deferral. President Trump ordered that mortgage companies assist people through COVID and Fifth Third is doing the exact opposite. They are wanting me to pay money now that I can not pay due to my financial hardship. I went into the branch near my home on Friday, XX/XX/2020. The banker and I contacted Fifth Third via phone and spoke with an employee there who stated that no one had been denied for loan deferral up to this point and that I did not need to make XXXX 's payment and to begin making payments in XXXX. She stated that I would receive an agreement letter for my loan deferral and to make a payment, email, or call to confirm my agreement to the deferral. Why would a Fifth Third employee in the Hardship Department state that I was being processed for a Loan Deferral if the Loss Mitigation Department is stating I do not qualify? They had my account pulled up when we spoke on Friday XXXX. She was able to see the account details and even spoke with her supervisor to confirm the information she was providing to me. I am tired of being hung out to dry. I do not want to lose my home and have been trying to get through this financial hardship. My mortgage was sold to Fifth Third against my wishes and I have had problem after problem with them compared to my original mortgage provider. One employee will tell me they see notes in my account about my correspondence with their employees, then another employee will speak with me stating there are no notes in the system. Where are the notes going? Where is my application with confidential personal information of mine and my husband 's? Was their system hacked? Why is the information I am provided different from one employee to the next?
Product: Debt collection

FCO injunction with XXXX XXXX is charging me after I moved out the home. My lease was over XX/XX/2020. I moved out and was given a XXXX balance. A year later they have FCO has place a collections notice on my credit file stating I owe {$3200.00}. However, after looking at the account information they sent to validate the claim. It shows bills and fees after I left the home. Moreover, the account also, shows bills already paid in full. Please look at my last ledger given to me that shows my move out date and bills paid against their " Move out Statement. '' There is no way Invitation homes would have let me live in a home for two months without paying my bills and I not get evicted!
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 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXXunt : XXXX 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: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, 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 reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : Inquiries - XXXX XXXX XXXX XXXX XXXXXXXX inquiry was not authorized. Please remove it from my credit report immediately XXXX XXXX XXXX XXXXXX/XX/XXXX - This inquiry was not authorized. Please remove it from my credit report immediately. 

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -this inquiry was not authorized. Please remove it from my credit report immediately. 

XXXX XXXX XXXXXX/XX/XXXX -This inquiry was not authorized. Please remove it from my credit report immediately. 

XXXX XX/XX/XXXX XXXX this inquiry was not authorized. Please remove it from my credit report immediately. 

Accounts - XXXX XXXX, this account is being reported inaccurately, please remove this from my credit report immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to XXXX and TransUnion dated XX/XX/22 to update this suspicious information. I think they have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX and XXXX, and I'm including it again. 


XXXX XXXX XXXX .... Balance : {$2300.00} ; XXXX XXXX  XXXX XXXX .... Balance : {$630.00}
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

EXPERIAN CREDIT IS REPORTING NEGATIVE INCORRECT ACCOUNT ON MY CREDIT REPORT XXXX ) XXXX AMOUNT : XXXX DATE : XX/XX/year> ACCOUNT # SHOWING : XXXX
Product: Debt collection

I'd like to refer to you the attached affidavit of service from the debt collector XXXX, XXXX, XXXX, and XXXX ( XXXX ). 

In the affidavit of service, the agent of MRJF states that he talked to my neighbors to determine my address, and looked through my mail to determine my address. 

I would refer you to 18 U.S.C. 1708.

Going through my mailbox and my mail to determine if I live somewhere constitutes mail theft. I have asked the USPS Postal Inspector to prosecute. 

The affidavit also states that the debt collector " spoke with a neighbor who says the subject resides. '' This is a clear effort at intimidation. My neighbors should not be informed of my debt, a process server should not trespass on my property, or attempt to rifle through my mail. 

I ask the CFPB to take immediate action against this debt collector for violations of the law. 

I also want to make clear that while MJRF has accused me of filing duplicative complaints as a way to " intimidate '' them, I have not complained about this issue before as it has just come to my attention.

The complaints I am filing against MJRF represent distinct instances of where I believe them to be breaking the law, and if they would like me to stop complaining, they should stop breaking the law.
Product: Checking or savings account

On XX/XX/2023 I attempted to purchase a second CD from Capital One. A nightmare occurred. SEE THE ATTACHED EMAIL SENT TO CAPITAL ONE AT Abuse @ capitalone. I There is no other way to contact them for immediate help.

1. Instead of processing my {$50000.00} for a CD they opened a checking account and are sending me a credit card. I never completed the actions required to do this, I simply disconnected from their site and then sent them attached email.

2. Today I was notified they opened a checking account and they now have my {$50000.00} in it.

3. I reached a CapitalOne manager and found out ( she indicated they know about these events and apologized ) they want me to wait until this coming Friday to move the {$50000.00} from my new UNWANTED CHECKING ACCOUNT to a CD.

4. She escalated my complaint to higher management and they should contact me within 15 days. She also repeatedly told me she does not know the name of the Federal Agency that investigates BAIT AND SWITCH ISSUES.