23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I received {$20000.00} credit and requested the money be transferred to my checking account on XX/XX/year>. I was told by the representative that this would happen within XXXX day. XXXX days later it still had not happened so I called and spoke to a representative and she said " XXXX business days ''. I explained her that we were on business day # XXXX and she said they don't count the first business day. So I escalated to a XXXX and she said she would send a priority e-mail and I might receive funds that day ( XX/XX/year> ) and if not today, then tomorrow. Today, XX/XX/year> I still have not received them, so I called again and spoke to XXXX representatives. The second one told me they will mail a check and it will take XXXX business days though I specifically stated in my original call that I wanted the money transferred and didn't want to wait for a check. So I escalated to " XXXX management '' and I just get more excuses ... '' we'll look into it, this will take some time, blah, blah blah ''. 

Despite being a long time customer, this company has repeatedly lied to me, has been wasting a lot of my time with calls and being on hold and no one is resolving the issue as promised many times. Wells Fargo is holding my money XXXX and this is unacceptable. I need my money back right away and I've been put off for XXXX days now, now I'll need to wait throughout the weekend and who knows when I'll ever get helped or get my money back.
Product: Credit reporting or other personal consumer reports

XXXX the victim of identity theft. In have multiple bills and inquiries that arent mine and Ive had to file a police report. Bank account overdrafted, credit cards have been used multiple accounts opened in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent accounts and inquiries appearing on my credit report. XXXX. XXXX {$10000.00} XXXX XXXX {$10000.00}
Product: Debt collection

the collection agency has failed to send the legally required validation of this debt. they have been notified that your actions are detrimental to me and has violated ( including but not limited to ) the Consumer Credit Protection Act, the Fair Credit Reporting Act, and the Fair Debt Collection Practices Act. they knew or should have known that the actions taken against me and the information collected about me was inappropriate and damaging to me. Failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure. Communicated and are continuing to communicate incorrect and defamatory information to third parties including but not limited to XXXX. 
under Section XXXX of the Texas XXXX XXXX laws a third-party debt collector or credit bureau is prohibited from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office XXXX. 

Columbia Collection Service , Inc. failed to notify the credit reporting agencies that the debt is disputed. FDCPA Section 807 ( 8 ), FDCPA Section 805 ( c )
Product: Mortgage

I like to make extra payments when I can. I made one online and was told they normally charge XXXX for an online payment? My previous mortgage lenders have never done this. I would pay random extra amounts and they would not charge me and they would apply it to the principal only. 

My latest mortgage service Arvest Central Mortgage Company told me that they would charge me for every online extra payment. I can set up bill pay thru my bank but that they would not be able to guarantee that that payment would be applied to the principal only. I pay my mortgage in full every month and have never been late. How can they charge me extra to pay my own mortgage?
Product: Debt collection

I am a victim of fraudulent/inaccurate items of this account reporting on my credit file. I have sent several disputes via mail to try and resolve the problem. My rights as a federally protected consumer are being violated pursuant to the Fair Credit Reporting and and Fair Debt Collection Privacy Act. I have filed a complaint with the Federal Trae Commission and my rights are still being violated. My general reputation and my ability to obtain credit is being tarnished. I need to have these account removed from my credit file immediately.
Product: Debt collection

Midland Credit Management Alleged account has been disputed many times over, numerous demand for verification ignored, refuse to comply with federal laws, unlawfully report disputed unverified alleged account to credit bureau.
Product: Debt collection

The XXXX XXXX XXXX ( XXXX ) has I.C System out of compliance and therefore XXXX can not process any arbitrations with I.C System. 

This means they are not only in breach of contract with me but with every other account I.C System is servicing. 

I am requesting the Consumer Financial Protection Bureaus launch a class action against I.C System on behalf of all other consumers. 

This company is in breach of contract and failed to comply with the arbitration provision on the debt they are collecting.
Product: Credit reporting or other personal consumer reports

I am submitting a formal request for the investigation and deletion of unauthorized inquiries on my credit report. I have attached an affidavit of dispute affirming the authenticity of this request. 
These inquiries were made without my consent, and upon contacting the listed creditors, they confirmed they do not have evidence that I initiated these inquiries, nor do they possess any written or verbal authorization from me, as required by the Fair Credit Reporting Act ( FCRA ). 
Specific Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I understand that verification may occur through the EOSCAR system ( Electronic Online Solution for Complete and Accurate Reporting ). However, the CFPB has highlighted limitations in the EOSCAR system, noting that automated processes can be insufficient when accuracy depends on verifying underlying documentation. Therefore, I request a manual review of these unauthorized inquiries and full verification of all relevant documentation.

Additionally, I am specifically requesting any original application forms or initial documents that creditors may have on file. This is to ensure that only responses based on primary documentation are considered, rather than automated EOSCAR confirmations.

Under the FCRA, these inquiries violate requirements for permissible purpose, verification, and accuracy. The relevant FCRA provisions that support my request are outlined below : XXXX. Section 604 ( 15 U.S.C. 1681b ) - Permissible Purposes : Since I have not authorized these inquiries, they do not meet the permissible purposes outlined in this section. 
XXXX. Section 611 ( a ) ( 5 ) ( 15 U.S.C. 1681i ( a ) ( 5 ) ) - Inaccurate or Unverifiable Information : The FCRA requires credit bureaus to delete unverifiable items promptly. As there is no verifiable authorization, I formally request the removal of these inquiries. 
XXXX. Section 609 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681g ) - Right to Access and Verification : The FCRA mandates that credit agencies verify each inquiry, including an original signed contract proving my consent. Since you can not provide this documentation, I request the removal of these inquiries. 
XXXX. Section 623 ( 15 U.S.C. 1681s-2 ) - Responsibilities of Information Providers : Information providers must ensure accuracy and authorization ; these inquiries fail to meet these criteria. 
XXXX. Section 605A ( 15 U.S.C. 1681c-1 ) - Identity Theft Protection : This mandates the removal of unauthorized inquiries potentially linked to identity theft. I request deletion under this protection. 
Relevant Case Law : In XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), the XXXX XXXX ruled that accessing a credit report without a legitimate purpose or consumer consent violates the FCRA. Similarly, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX upheld that credit inquiries must meet permissible purpose requirements, supporting my request to remove unauthorized inquiries.
Product: Credit card

chase bank fraudulently opened thousands of amazon consumer credit cards in response to a {$50.00} promotion that amazon ran in XXXX of 2016. The {$50.00} was paid to anyone requesting an amazon credit card, whether or not credit was approved or denied. a credit card was fraudulently opened in my name, even though the address provided was XXXX i had not lived at for 11 years. chase was negligent in not checking obvious errors in my application as well as errors in thousands of other consumer applications for credit for amazon credit cards in response to this promotion. i would like the XXXX to open a class action suit against chase. at minimum chase should provide free credit checks with all XXXX credit bureaus for two years for all consumers who were harmed in order that they can monitor the ongoing fraud. i also believe they should pay compensation for the damage resulting to consumers credit due to their errors and omissions that allowed this fraud to take place. i contacted the FTC who suggested i file a formal complaint with your organization.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it May Concern, I have an ongoing issue with information reflected and reported on my consumer credit reports as transmitted and stored with XXXX and Experian. The account in question is an account listed with Timepayment, an account which was paid satisfactorily. I have disputed this item, which is reporting data not in accord with accuracy. Under the Fair Debt Collection Practices Act, I have requested full data disclosure, including manner of documents used to validate what is plainly a flawed account, listing inaccurate history in multiple instances. 

Using the law as stated, i have tried to get Experian and XXXX to dispute the data and they mark it as meeting The Fair Credit Reporting Act, when it has not. Documents have never been provided and account keeps reflecting data which is inaccurate. 

Because the dispute process is costly, and also because I do not trust the fair and impartiality of these credit reporting agencies, I am asking for this agency to intervene on my behalf and mediate this complaint. 

I am asking that the accounts be verified from their source, because the inaccuracies are affecting my financial prospects adversely with the inaccurate information.
Product: Credit reporting or other personal consumer reports

I received a letter from XXXX XXXX  signed by a " Customer Experience Advocate named XXXX '' with no last name or ID number provided, and I was not given a direct contact number. Instead, I was directed to a general number, which led to being transferred multiple times and kept on hold for over an hour without any resolution. 
The letter claimed that XXXX XXXX  had attempted to contact me, which is inaccurate. I received one call from a XXXX XXXX employee that I missed, and my answering service recorded the call. The employee left a message with a callback number, which I did reach out to. However, I only got an answering service, left a message, and received no further communication. The employee did not follow up or leave additional messages. 
Additionally, the letter asserted that the settlement letter had been reviewed and that the online telephone number was correctthis too is incorrect. A quick call to the provided number reveals it to be for a XXXX XXXX  scam. 
The letter also mentioned that I refused to be recorded. This happened because they would not permit me to record the conversation while they were recording it.
Product: Credit card or prepaid card

I have been charged a Debt Protection fee from best buy and citibank. I never agreed or was told about this protection. I have protection through my work so I would never need additional protection. I have never been contacted by Citibank or Best Buy to receive refund. I can only see my statements from Best Buy from present to XX/XX/2017. I can't go beyond that to see how far the irroneus fees go. The fees range from XXXX to XXXX. The phone number associated with this fee is XXXX. It has been 4 years since Citibank was directed to repay customers and I haven't heard a thing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed XXXX XXXX several times with the credit Bureaus due to inaccurate information showing on my credit reports. Transunion continues to report even though they have not shown how the account was verified as accurate. 
XXXX was also reporting and once I disputed the inaccurate information, they removed the account from my credit report. Transunion is violating my consumer rights by continuing to report this account without properly validating the debt and finding the inaccuracies that are being reported.
Product: Credit card

I originally had this card when it was XXXX  and never had a problem in making payments but when it changes to comenity bank it was always an issue with log in or multi system down trying to set up payment. Its like they purpose locked their system so you couldn't make a payment or time. They have poor customer service .long log in times. They have attacked my credir score because no matter how many times i send them payments they are over charging me in late fees calling me 20 times a day even when i making payments. Big issues is their online payment is always broken or doing up dates so you cant make a payment and they block u the datw you aew trying to pay them on time so they can keep charging you out rages fees. I want them to remove these crazy late fees and remove this late credit ni score n i have paid them every month
Product: Money transfer, virtual currency, or money service

I have had a Wells Fargo checking account since XXXX. I recently discovered that XXXX was added to my account as a money transfer service. I used it a few times and decided I did not want it. 

There have been many stories recently in the XXXX  XXXX and elsewhere about theft and robberies using XXXX, which the banks refuse to reimburse for because they claim the transfers were " authorized '' -- even if the authorization was at gunpoint. 

I attempted to remove XXXX from my checking account, or deactivate ( deauthorize ) it, and discovered I can not. It is required with a Wells Fargo checking account. So, the service is required and can not be deactivated, but if theft occurs using it, the bank will not accept responsibility even though it is forcing the account holder to have this feature. 

This is wrong and imposes a significant risk on me ( and others like me who do not want or need this types of service ). I could go elsewhere, but it appears the owners of XXXX include the other major banks as well, and I suspect the policy is the same. Thus, my complaint is that my bank will not allow me to remove XXXX from my checking account, causing me significant risk which they also refuse to cover.
Product: Debt collection

I owed XXXX XXXX XXXX in FL a hospital bill of over {$1800.00} which I was paying {$20.00} per month on before sending me to a collection agency XXXX. I tried to resolve the issue but they would not work with me. 
I owe another hospital, XXXX XXXX over {$2000.00} which I am also paying {$20.00} towards and also {$20.00} for a separate doctor bill. {$60.00} per month on medical bills is a lot when you just don't have anymore to give. XXXX XXXX agreed to let me pay the {$20.00} and tried to get XXXX XXXX to set up an agreement as well. Instead XXXX XXXX sent me to XXXXXXXX XXXX! 

I was forced to retire to care of my husband then lost half of my income due to his death. I'm on social security and paying for both his funeral and my daughters who I lost 5 months prior to my husband. I tried explaining this to XXXX as my reason why I can't pay any more than {$20.00} per month. I spoke with them and a supervisor on two separate occasions, XX/XX/XXXX and XX/XX/XXXX. They said they have no option but to report this on my credit report unless I could pay {$200.00} per month! I still continue to pay {$20.00} getting the bill down to {$1700.00} and now is on my credit report. I believe they used bully tactics to get me to pay more and don't feel this is right.
Product: Credit reporting or other personal consumer reports

I am writing to challenge the reporting and compliance of my credit report. 
1

5 U.S. Code 1681c2 ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of. It has been 30 days and you are in VIOLATION of this law because i am a victim of identity theft!! Please delete all items mentioned in my XXXX report off my credit report.

These accounts should not be furnished on my consumer report as they are in VIOLATION Under 15 U.S. Code 1681b a ) In generalSubject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 2 ) In accordance with the written instructions of the consumer to whom it relates. 
I have NEVER given any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report, which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of all accounts listed IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

Several Inquiries do not belong on my account also student loans you guys keep trying to reopen does not belong to me and it has also been past five days with no notification of you guys adding it on. See both attachments. Correct asap please.
Product: Debt collection

Several weeks ago saw that my fico score dropped 99 points. Got XXXX  report. It showed I owed {$2200.00}. for medical debt. Creditor was. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, NY XXXX. XXXX XXXX XXXX Called them found that the debt was my sons for an ambulance run in XX/XX/XXXX. Called XXXX XXXX XXXX. They told me that they reported to Simons my sons name ( he is a XXXX ) address and DOB. No SS number as they did not have it. Turns out that they had his DOB off by one day which happened to be my day and month date. Simons then added my SS number to the information and reported to XXXX  that I owed the money. My address is not my sons address. Called numerous times to Simons ( 11 ) got transferred and disconnected three different times. Was told early on by XXXX that she would call billing company and call me back. No call. Spoke to XXXX next day. Explained situation to him. He put me on hold to check things, was then disconnected. Called back at once got his voice mail. Left message, no response. Sent email to XXXX XXXX ( supervisor? ) explaining again the situation. No response. Called XXXX XXXX on XX/XX/XXXX. She told me my credit was fixed and would email me confirmation. Nothing. Emailed her again. Nothing. Want them to acknowledge their mistake and give me written confirmation that my credit is fixed and that this was never my issue.
Product: Payday loan, title loan, or personal loan

ON XX/XX/2019, I TOOK OUT A MONEYLION LOAN AND MY AGREEMENT WAS TO HAVE AUTOMATIC PAYMENT DRAFTS BIWEEKLY TO PAY OFF MY BALANCE. MONEY LION TOOK BIWEEKLY DRAFT FROM MY XXXX  XXXX ACCOUNT ENDING IN # XXXX UNTIL XX/XX/XXXX WHEN THEY STOPPED!!! I HAVE BEEN TRYING EVERYDAY TO CONTACT THEM TO RESOLVE THIS MATTER!! THEY HAVE SINCE REPORTED ME TO THE CREDIT REPORTING AGENCIES AS 30 DAY DELINQUENT WHICH IS FALSE!! 
MONEY LION HAS AN ALERT ON THE XXXX WEBSITE OF THIS ACTIVITY AND THEY ARE HARMING CONSUMER CREDIT WITH THIS LENDING PRACTICE. 
PLEASE HELP ME! THEY ARE RUINING MY CREDIT! 
I AM UNABLE TO CONTACT THEM TO RESOLVE THIS!!!!
Product: Debt collection

I am writing to request your help. I am a victim of identity theft. I tried to solve this matter with Best Buy CBNA in the past. Back on XX/XX/XXXX, they received a demand for validation letter from me delivered via certified mail. I was never aware that this account was fraudulently opened. 

As purchasing tv, I did put in SSN. They setup for credit card and I told them not to open it. I thought it was cancelled at the store before even opening. I never used the account. I never got {$320.00} on that card, never even activated card. 

As of today they have failed to provide me with the proof I have lawfully requested. This fraudulent account being reported to the credit bureaus is a violation under the FCRA. 

Account is the following : BestBuy CBNA Account # XXXX. Opened date : XX/XX/XXXX. Limit : {$500.00}. Balance {$330.00}. Status : Closed. Please help me to solve this issue, since they are committing a violation of the Fair Debt Collection Practices Act and Defamation of character.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Further, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electric Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

CareCredit sent notification to all three credit bureaus on XX/XX/XXXX that theyd closed my account. However they continue emailing me as recent as XX/XX/XXXX of encouragement to use my card. I logged in and the account is still active on their site. I emailed them and they only said they closed it but wouldnt address the fact they never notified me, updated the site, and kept sending notices to use the card. They now refuse to correct the notification to the credit bureau even though I took a screen shot today that the account is still active
Product: Student loan

I consolidated my federal loans well over 15 years ago, in order to be able to afford my student loan payment as a XXXX XXXX. I was not told that doing so would make me ineligible for Public Service Loan Forgiveness or any other loan forgiveness options. Had I pursued those options, I would have been free of payments already. My original consolidation was through Nelnet, but is now part of Sloan Servicing.
Product: Credit card or prepaid card

I first ordered some items form Kohls.com in XXXX of last year. I ordered on-line and after I placed the order I noticed that it was going to be sent to an old address of my daughters in XXXX, Alabama. ( Copy of Kohls statement attached ). I noticed it right away and called Kohls and was told I could not change the order and that it would be delivered to the old address in Alabama. They said if it is returned to them they would credit my account for XXXX. I called back and was told that the items had been returned and that it the charge would be credited to my account. Unfortunately I don't have the dates for the first two calls but they occurred inXX/XX/XXXX. I have a date for the third call I made ( see attached ) that was made on XX/XX/XXXXwhere I first promised a refund. That is the first documented contact in writing. I have supplied the attached correspondence. To add insult to injury they added a {$27.00} late fee on my account for the charge that was supposed to be refunded. This is the worst possible non customer service that I have ever encountered. The people at Kohls.com have failed in every way. Please help, XXXX XXXX