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

XXXX XXXX XXXX XXXX keep putting information on XXXX, XXXX and Experian stating I have accounts in collection. I have even gotten letters and called them and they confirmed I have no debt with them. Now they have reported to all three credit bureaus I have collection accounts and I have not communicated with them since the last letter received months ago. 

This is causing my credit score to drop and shows damaging information on collections I do not have.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/18 XXXX received a credit report dispute, disputing items including two bankruptcies.I have documentation from the furnisher/bankruptcy court stating the court records and dockets are available via XXXX. I contacted XXXX via email asking how do they verify and they stated, " XXXX does not directly verify federal case information to third parties by phone, fax, or email. XXXX also stated that XXXX does the verification for public records. I called and they stated no one has called to verify not one public record on my consumer report and I also have paperwork for XXXX stating that they could not verify the two bankruptcy records that are reporting as negative on my credit report. XXXX has not done their job to accurately verify items on my credit report. Also, the FCRA section 611 states the furnisher of the information must verify. Equifax and XXXX have also stated that they have previously " verified '' both bankruptcies reporting adverse on my credit report.
Product: Checking or savings account

Around XXXX, I opened up a XXXXXXXX XXXX XXXX student checking account to manage my expenses and get my first true debit card. I declined overdraft coverage and elected to deal with the deflected charges with the institutions themselves rather than with overdraft fees. 

Around XXXX, my account was transferred over to Truist in the XXXXXXXX XXXX XXXXXXXX merger . 

XX/XX/XXXX : An auto-occuring ( reoccuring ) payment was submitted for a total of {$25.00}. The bank account was at a total of {$1.00}. 
Due to this, an overdraft fee was charged, totaling {$36.00}. An email was sent indicating low/no balance, but no overdraft fee email was sent. 

XX/XX/XXXX : A XXXX transfer was sent totaling {$19.00}, to cover the {$25.00} recurring charge ( did not hink an overdraft fee was charged, no mention in email ) XX/XX/XXXX : Following multiple emails regarding negative/low balance ( NOT overdraft ), Truist states in an email that I have recieced " no alerts this month ''. Caused confusion as that seems to contradict the other emails. 

XX/XX/XXXX : The balance was updated to be - {$82.00} due to a {$5.00} XXXX payment ( and subsequent {$36.00} overdraft fee ). However, a {$1.00} XXXX payment was charged and an overdraft fee was generated, but then refunded due to it being < {$5.00}. 

XX/XX/XXXX : Balance updated to $ XXXX due to a {$9.00} recurring charge and overdraft fee of {$36.00}. Emails sent. 

XX/XX/XXXX : {$300.00} deposited in-person to resovle further fees. 

XX/XX/XXXX : Asked in-person to speak to a banker regarding the confusion over this situation. Thought proscess included " why didn't they tell me this when I got the card '', " why doesnt locking the card prevent recurring charges '' and " why would they charge {$36.00} overdraft fees on a STUDENT card in which all students are broke as it is. Teller proceeded to deflect, but still refunded {$72.00} of {$100.00} in overdraft fees. I proceeded to tell them that I needed the {$36.00}, as that amount of money would have prevented the whole issue at hand. Teller refused, stating company policy.
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. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss. I seek appropriate compensation and redress for these violations
Product: Credit card or prepaid card

Chase stole my security/bond that I mailed in registered mail and did not credit my account. I have attached the USPS return receipt that shows the representative that signed for the security as well. Chase lists in their disclosure, payment instructions for " conditional payments '', other forms of payments or special endorsements. I followed the instructions as instructed and my account was still not credited. After calling in on XX/XX/XXXX at XXXX EST, I was informed by two very abrasive representatives that my security was accepted, kept, scanned into the system and noted for banking but they will not credit my account. The supervisor even threatened me that they will report my account late. I have attached a more Indepth summary of the issues. I understand that the STATEMENT that is mailed to me every month which gives an ACCOUNT SUMMARY as indicated on the bond portion of the coupon ( book-entry note ), is actually a dividend payment from securitizing my account and the transferring/trading of my securities in public markets and private transactions through CHASE XXXX XXXX, CHASE XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, owner trustee, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX trustee and JP MORGAN SECURITIES XXXX , just one of the underwriters. It is not a BILL for me. The obligation is the issuers, CHASE XXXX XXXX per their indenture agreement, Securities Exchange act of 1934, the Trust Indenture Act of 1939. On the call, which was automatically recorded, I requested a supervisor above XXXX. However, she refused and told me that there is no one above her. If I want a resolution, the only way would be for me to send in a written request to the correspondence department.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to reach Experian credit bureau multiple times and they haven't updated my personal information. They have address listed on my credit report that doesn't belong to me- XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX. 

I called in, I faxed, I did everything that I could, I've exhausted all resources! But it's still there... 

Can you please help me out to get it resolved.
Product: Credit reporting or other personal consumer reports

I am writing to dispute accounts on my credit report that were made without my consent. According to section 604 of the FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681B ), there are specific permissible purposes for obtaining a credit report. I did not authorize these accounts and can not find any permissible purpose under this section that justifies their presence on my credit report. PLEASE DELETE ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I disputed unauthorized transactions from Dasher Direct Debit Card on XX/XX/XXXX for {$520.00}. They dont want to give my money back after it was unauthorized transactions. Now Im about to lose my apartment because that was funds I needed to pay my rent. They denied my request and told me to contact XXXX XXXX which I did but this transaction was made on my XXXX direct card and they said the same thing and denied my request. My money supposed to protected when fraud or unauthorized transactions happened on my Dasher Direct Debit Card. I would like them to returned my money back if {$520.00} or will be filing a claim on them in small claims court
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. The following companies have violated my rights by performing a hard inquiry on my credit report without my permission : XXXX XXXX ( XXXX ), XX/XX/XXXX XXXX  XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/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 an 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. 


I also would like my address updated to the following, and ALL OTHER ADDRESSES REMOVED from my credit report : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, AZ XXXX
Product: Debt collection

Dear Midland credit I recently received a debt collection notice from your office about account XXXX. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 

Please supply me with a copy of any contract or purchase agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 

Please cease and desist from collecting on this debt until you have provided validation of the debt. 

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 

Notification to Other CollectorsI dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to thiS matter
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on ID THEFT REPORT # XXXX and XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX ; XXXX XXXX XXXX XXXX CA 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 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
Product: Checking or savings account

Ive tried to go into the bank to withdraw my daughters, supplemental security income payment from the account in the amount of {$940.00} that was deposited on XX/XX/year> the bank denied that request Ive called several times to ask to release those funds and they claim that those funds were being sent back to Social Security administration after calling several times I was told that because the security of the account they can not withdraw the funds or send the funds back these funds are for my XXXX daughter Social Security administration, national line, put in a payment request XXXX XXXX XXXX  to request that Navy Federal credit Union send the funds back to Social Security administration I do owe a balance in the account and I have told them to withdraw the funds that I owed and they say that they can not take the negative balance that I owe out of my daughters check
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : Please see attached file for these items I am complaining.
Product: Debt collection

My daughter no longer went to the facility for childcare and they still ; continued to charge me even after she was no longer attending.
Product: Checking or savings account

When I noticed all of the fraudulent charges from XXXX that were posted to my checking account between XX/XX/XXXX and XX/XX/XXXX, I contacted Bank of America to report the fraud and to get a new debit card issued for my account. The person I spoke with noted the large number of XXXX  charges on the account and turned this claim over to the fraud department. The charges totaled {$5400.00}. 
Less than a month later I got a message from the fraud department that they could not pay the claim. They said their research included my account history, monthly account statements, and information from the merchant. The message stated that they made their decision based on the fact " the charge was authorized by me or made by someone who has permission to use the card or account. '' There were XXXX XXXX  charges on the account. I do not have a XXXX  account and no one besides myself is on my checking account or has permission to use my debit card or account. XXXX does not deliver to my address. Furthermore, most of these charges are from places I've never even been. Looking at the history of my account should show clearly that these are not regular places that I frequent to eat or to shop. As I said before, there are no restaurants or stores that deliver to my address through XXXX  or otherwise. Also, for the few places that I have been, the charges from these places show up on my account as " debit card '' charges and not " virtual card '' charges because I don't have XXXX. All of the fraudulent charges show up as a " virtual card '' charge. I haven't been to XXXX XXXX since high school ( over 30 years ago ) and it's probably been about 6 years since I went to XXXX XXXX 's. 
I have a very busy work schedule and mainly go to work and back home each day. I can show from my work schedule that a lot of the days that these fraudulent charges were made I was at work. I certainly don't have time to consider ordering anything through XXXX  while at work. 
The same thing happened with my Bank of America Visa credit card which I ended up having to cancel because the fraud kept happening. Again, these were all XXXX charges. However, when I turned these charges over to the fraud department of Bank of America it was determined to be fraud and I was credited for all the charges. It also took a lot longer for them to review my claim. 
Again, I did not make any of the charges that I have claimed to be fraud. It's very obvious when looking at my statements that these " virtual charges ' from XXXX  suddenly appear in the time frame stated above. I do not use XXXX. 
I'm happy to supply anything helpful or needed by the bank in reopening this claim. These charges are fraudulent.
Product: Debt collection

The above number is calling 2 to 3 times per day everyday. I feel this is harassment and is affecting my health.
Product: Mortgage

PNC Bank implemented various " enhancements '' XX/XX/2018. The ability to make an online payment to principal was eliminated and not enabled until late XX/XX/2018. My XX/XX/XXXX statement, received XX/XX/2018 did showed neither my payment to principal nor the automatic payment draw from my checking account. These two debits were shown correctly on my checking account. I contacted PNC by phone and traveled to two separate branches to determine what had happened. ( A log of contact events, telephone conversations, phone numbers and summaries for each event is attached. ) I was informed on XX/XX/2018 that my issue was to be addressed PNC Bank 's Retail Escalation Department. It was assigned complaint # XXXX. On XX/XX/2018 I called the Retail Escalation department to get the status of the complaint. Phone requests for this information made on XX/XX/2018 and XX/XX/2018. I was informed PNC Bank had closed the complaint. I asked if I would now be able to make online payments to the principal without further difficulties. I was told I can only make payments to the principal only, either online or at a PNC Branch office, if the payment is executed after the automatic draw from my checking account and before the statement is generated on the last day of the month. I asked if this would be changed in the near future to allow for payments to principal to occur at the customer 's convenience. I was told there are no plans to change the current status. 

My automatic payment draw is scheduled to occur on the XX/XX/XXXX of the month but has been as late as the XX/XX/XXXX depending of holidays and weekend. This coming XX/XX/XXXX there will be 2 day in which I can make a payment to principal, the XX/XX/XXXX and the XX/XX/XXXX. 

I find this recently implemented policy that narrows the payment window to be unacceptable. It has all the appearances of a method to inhibit accelerated loan payments thus providing a means for PNC Bank to earn more interest on their HELOC. 

I wish to see this policy abandoned and the online payment option allowed to occur on any day of the month.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 at approx. XXXX a representative ( XXXX ) claiming to be with XXXX XXXX  card services called me and stated they were going to transfer balances from my credit cards to another to save me interest. I asked how he received my information and he explained because I was already a customer with a good payment history XXXX and was prepared to reduce my monthly bills to keep from losing me as a customer. He stated since the COVID 19 pandemic other customers were filing bankruptcies and wanted to ensure my payments were manageable. He ( XXXX ) had all my credit card information at hand and seemed legit. Long story short, after numerous questions from me concerned about this call being potential fraud and do not pull a credit report. Sure enough before we hung up the phone an alert for hard inquiry from CBNA via my XXXX account popped up on my phone. When questioned about the alert the representative said I would receive a letter or could call CBNA to dispute and told me to have a good day.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian for almost 3 years now will not let me file online disputes. I've done everything asked as in trying different browsers and machines. Yet friends are able to dispute on my devices. I've even paid for the premium service because they told me that would fix it ... a year later still nothing. I just get ignored. And I'm certain it's because they purposely removed my ability to do so. As I've spoken with many others online with the same problem same runaround and same results. If they're just randomly removing people 's ability to dispute online that gives way to ask ... are they even looking into the disputes? Why send XXXX in the mail? I have XXXX faith this company will do what they're quite literally in business to do. This company needs to be watched and closely. They have the ability to make life impossible for anyone if they neglect duty. Even sending this complaint I feel as though my credit will suffer just from the treatment I've already received from them.i lack any faith in this companies abilities to do its job as it should. They take action randomly removing ability to dispute online e why wouldn't they neglect to add or remove information that would help that individual? That account is clearly flagged in some way.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my transunion credit report and there are several unauthorized inquiries on my report. Transunion had no consent from me to report these fraudulent inquiry accounts on my credit reports and I demand to know why the did so. I filed an identity theft report with the FTC and mailed it to Transunion along with a letter authorizing them to remove those inquiries and they have not removed them.
Product: Credit reporting or other personal consumer reports

I am writing to request that you remove this account. This account has been closed for a number of years and I believe that it is no longer accurately reflects my credit history. I request that you remove this account from credit report due to the fact that it is no longer an accurate reflection of my credit worthiness. I have included a copy of my account in questioning as well as proof of closer for review. I would appreciate your prompt attention in this matter and confirmation that this account has been removed thanks.