23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Portfolio Recovery placed an account on my credit. They never validated the account- its not mine!! My name is XXXX XXXX XXXX. I also have an uncle that shares my name. I had an account on my credit from Portfolio Recovery on my credit- it's not mine. I have reached out to them a few times about the debt and they have yet to respond to me. Its been 6 months. The account appear to be from XXXX XXXX. I never had an account with them.
Product: Mortgage

The lender is responsible for creating an escrow account for home insurance and taxes payment. The lender created a fake invoice for home insurance and sent the fake invoice to the closing company. This caused me to almost miss my premium payment for home insurance. The lender also misrepresented the city tax, and caused me to pay nearly double in property tax as mandated by the city.
Product: Vehicle loan or lease

I would like the company to remove any late payments from my account due to me being a victim of identity theft and a victim of a nationally declared disaster due to flooding.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. This is the item I demanding to be deleted immediately : Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate. 
XXXX Account XXXX : XXXX This Account is inaccurate and seeking litigation please delete it once
Product: Credit card or prepaid card

I am dissatisfied with the response I received from Chase regarding an issue that is completely under their control. The Chase plan allows spreading out payments for no more than ten purchases over an extended period of time. I reached the maximum and because I made another large purchase, I paid off 4 of the existing charges under the plan in an effort to add this purchase. Chase responded I must wait two billing cycles to allow the XXXX  balance charges to drop from the plan. 

I am including Chase 's response to me.
Product: Money transfer, virtual currency, or money service

I was the victim of a scam using XXXX. The financial institution said they will not refund the amount because I authorized/ initiated the transaction
Product: Credit reporting or other personal consumer reports

Debt Validation Requested As per my rights under the Fair Debt Collection Practices Act ( F.D.C.P.A. ), I humbly request that your agency provide valid proof of claim that I am legally obligated to pay the alleged debt. Additionally, I am requesting the following : The amount you claim I owe. 
An explanation showing how the amount was computed. 
Copies of any documents that prove I agreed to pay the alleged amount. 
The identity of the original creditor. 
Confirmation that the account has not exceeded the statute of limitations ( SOL ) period. 
Evidence that XXXX is a licensed debt collector. 
Evidence of XXXX license numbers and registered agent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Item took more than 30 days to respond. Item must be removed from credit file. Please see attached pdf. Item was XXXX XXXX support. Equifax took over 50 days to respond to complaint about oag. Item must be removed from credit file because equifax did not respond within 30 days.
Product: Credit reporting or other personal consumer reports

I took notice to inaccurate information on my credit report. The accounts goes as follows ; [ 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 ] The inaccuracies are that I was " late '' when I never was. This is tarnishing my reputation. This is violation of multiple federal laws set forth by Congress in regards to the above accounts. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, late payment status ), between the consumer ( myself ) and the person ( CREDITOR ) making the report. 

Additionally, a creditor CAN NOT mark a consumer as late for any reason/purpose as it violates 15 USC 1666b - A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. This is my consumer instruction ; remove all late payments from each account and update the reporting to reflect current/paid as agreed never late. 

I am not in dispute of the ownership of the accounts so there is no need to " verify '' it, but if your company insists on " verification '' of these late payments then I request that you mail me a copy of the complete consumer file that you maintain concerning me after you act on this dispute. Note, the term file means all of the information on [ me ] and retained by [ you ] regardless of how the information is stored. 15 U.S.C. 1681a ( g ). Therefore, it is unlawful to send me a partial disclosure and not the entire file. 

If you verify or deem the item of information that I disputed above as accurate and complete, then I request a description of the procedure used to determine the accuracy or completeness of the information including the business name and address of any furnisher contacted in connection with such information and the telephone number of such furnisher, pursuant to the provisions of 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), in no later than fifteen ( 15 ) days after making such determination. See 15 U.S.C. 1681i ( a ) ( 7 ).
Product: Checking or savings account

When I moved to Florida a year ago I opened an account with Truist Bank for myself and my daughter. The account was set up that they would withdraw XXXX dollars from my account and into her account every other week when I am paid. 

My daughter transferred money from her account to mine, Truist sent it twice making her account negative. We didn't notice and the Bank never sent us notice about. The Bank left her account negative and then closed it without communication yet again and withdrew the negative balance from my personal account making it negative. They never stopped the transfer of the XXXX dollars afterwards either. 

So XXXX dollars was taken from me while this account was closed without notice. When I went to the Bank to resolve this on the XXXX of this month the XXXX dollars was still visible on my app showing it was there. I have screen shots. 

The bank specialist I sat down with had to call for permission to give me my money back. Was told NO and then I was told they can investigate the issue but I was going to have to PAY for them to print out the paperwork for this. 

So the bank wants me to PAY for a investigation for misappropriation of MY money that THEY did with zero communications into THEIR negative practices with the money and trust I gave them when I signed up. 

I probably wouldn't have been has mad had I not logged into the app TODAY and saw that the XXXX dollars now is mysteriously missing on the app now. I guess they didn't realize that you can take screen shots of the app. 

This was only XXXX dollars but to a single mom with a dependent that's a weeks worth of food that is ripped from us. The Bank should know better then to do this to low income families who trusted them to protect their money.
Product: Credit card or prepaid card

I have been effected by the Covid pandemic causing me to be out of work. I contacted my card company to let them know my issues. I was told that I was able to put my payments on the back end, but I would have to call back every month. This began in XX/XX/XXXX, once around XX/XX/XXXX came I received an alert from the credit bureau that I was 30 late on this card even tho I had been making the call to refresh my card payments. I reached out to my credit card company & was told I was fine because my card was not 30 days past due and I could refresh for the month of XX/XX/XXXX. Now once I have gotten on my feet and can make the payment I am being told Im behind 4 payments, even tho I was supposed to have my card refreshed. Now they will not work with me during this national pandemic.
Product: Credit reporting, credit repair services, or other personal consumer reports

I turned in an auto lease in late XXXX. In XXXX I was contacted by phone by GM Financial stating I owed approximately {$420.00} as part of the disposition fee. I was surprised because at no time in over a year after I turned it in, did I receive any correspondence informing me that the account was still open and that I owed this fee. However I was offered an arrangement to pay half to close the account. I did, payment was sent and received. I have the letter from GM Financial and cancelled check for {$210.00}, the agreed upon amount to pay. 
Having thought the account was closed. I was surprised to receive calls again at work several months later stating that I still owed money. After explaining the agreed upon settlement previously paid, I usually received acknowledgement from the caller that the settlement info was found in my file and they apologized usually saying they would add that to my notes. 
I had not received any calls for a while until sometime during the week of XXXX XX/XX/XXXX, I received another call at work. After the same discussion, the caller said they would talk to their supervisor and get back to me. 
I was never contacted again before I began getting several notices through my credit monitoring services I had derogatory remarks and charge offs added to my credit report from GM Financia for {$210.00}, the amount they said they would waive in XXXX. I want to stress that at no time did I receive any written correspondence or bills, with the exception of the letter stating the agreement to pay half the amount in XXXX. I have always had excellent credit but these remarks and claims of unpaid debt- which are unsubstantiated- have significantly and negatively affected my credit score. 
When contacted, GM Financial said my account was in the process of being closed and to be patient. However, I feel like their way for closing my account was to charge off the other half they said they would waive, which is dropping my credit rating from 'excellent ' to 'good '.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed an item with West Creek Financial and they have had 30 days to mark a " Notice Of Dispute '' which they have fail to comply by federal law..
Product: Credit reporting or other personal consumer reports

Given these inaccuracies, I am requesting that you conduct a thorough reinvestigation of this account. I ask that you either correct the inaccuracies referenced above or delete this account from my credit report, as it does not reflect my true credit history.
Product: Debt collection

XXXX XXXX XXXX contacted my spouse about a debt collection that is solely in my name. My spouse verified with the representative that the account is only in my name. They gave my spouse information regarding the company, account balance and other personal information. This is a complete violation of privacy. I have never spoken with any XXXX from this company before. I have not received communication from them. I did not give them permission to speak with anyone regarding this debt collection. I do not mind working with a professional debt collection agency regarding this account, but I will not work with an agency that violates FDCPA. I can not trust a company that violates federal law to handle any of my personal information. My spouse asked them to mail proof and they refused, citing only an email that they sent to his ( MY SPOUSE ) email -- not mine.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by XXXX XXXX I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me. 

DEPTEDXXXX  XXXX Balance : {$2800.00} DEPTEDXXXX XXXX Balance : {$4700.00} DEPTEDXXXX XXXXXXXX Balance : {$1100.00} DEPTEDXXXX XXXXXXXX Balance : {$6400.00} DEPTEDXXXX XXXX Balance : {$1300.00} DEPTEDNELNET XXXX Balance : {$1100.00} XXXX XXXX XXXX Date of inquiry XX/XX/year>2024 INFORMATIVE Date of inquiry XX/XX/year>2024 INFORMATIVE Date of inquiry XXXX/XXXX/2024
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are incorrectly reporting me as an Authorized User on the XXXX   XXXX - partial account number XXXX. ( Please see page 5 of the attached credit report. ) I called XXXX XXXX XXXX  and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX  however XXXX and Transunion have not removed this from my credit report. I have contacted the two bureaus to fix this issue however, I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.
Product: Checking or savings account

I have a checking account at Wells Fargo bank and on XX/XX/2018 I make ATM deposit of {$1000.00} Money order from post office. The same day I realize that the online balance show {$100.00} deposit instead of {$1000.00}. The same day I called customer service of Wells Fargo bank and let them know that my balance doesnt reflect the correct amount of the deposit. Now one week later I called Wells Fargo bank and they say that the investigation is going to take 10 days. 

My question to you is : Can banks take whatever time they say to take a look of checks or money order deposits and correct the amount.?
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. 

Account name XXXX XXXX  XXXX Account number XXXX Account name XXXX  XXXX Account number XXXX Account name XXXX XXXX Account number XXXX Account name XXXX XXXX  Account number XXXX Account name XXXX  Account number XXXX Account name XXXX Account number XXXX Account name XXXX Account number XXXX Account name XXXX XXXX Account number XXXX Account name XXXX Account number XXXX have 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 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.
Product: Credit card or prepaid card

In XX/XX/2020, I had a large bill which I knew I could not pay, so I decided to switch off autopay and pay a smaller amount. I canceled my automatic payment on XX/XX/2020 ( email confirmation attached ). On my due date I attempted to pay online, but it said a payment was already in process for the entire amount. At this point I was a bit out of it, as I was recovering XXXX and figured that I had forgotten to cancel the autopay - though later when looking through my emails, I discovered I actually had done it. 

I called in that day, the day of my due date, and attempted to make a payment. They refused my payment, saying my old one would have to be returned. I called in about a week later and they AGAIN refused payment, saying it still hadn't been returned, despite my bank saying otherwise. Unfortunately, it seems that some sort of bug in your software prevented this payment from actually going through, despite me receiving a confirmation. I unfortunately did not receive notice until late XXXX, when I received a stack of about 10 identical letters, telling me that the payment failed due to " Unable to locate external ''. I immediately remade the payment again including the upcoming required payment, which went through. 

I eventually made a payment on XX/XX/XXXX, when the system finally let me. Unfortunately this was returned for some reason, despite me having money in my account. Over a month later I received a stack of 10 identical letters, all telling me the transaction failed " Unable to locate external ''. At this point I immediately paid Barclays, but it was over 30 days late, and my credit report was affected. 


Despite my assurance that my account was past due and the original payment would be returned, Barclays refused my payment on multiple occasions. The original payment should not have even gone through, as it was canceled. Had I not been so XXXXk I may have been able to thread the needle pay after they finally let me, and then babysit that payment, but unfortunately I was quite XXXX  and having multiple XXXX XXXX XXXX XXXX  and was not able to fully concentrate on this. I had hoped that making a payment would end up being simple, but there were quite a few issues to navigate, which I was not up to at the time. Making a payment should not be this hard. 

Thank you for your time
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against NFCU for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting my first complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MO XXXXXXXX XXXX XXXXXXXX Balance : {$630.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$560.00} XXXX XXXXXXXX Balance : {$420.00} XXXX XXXXXXXX Balance : {$400.00} XXXX XXXX Balance : {$3700.00} XXXX XXXXXXXX Balance : {$300.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$650.00} XXXX XXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2900.00} XXXX XXXX XXXX XXXX Balance : {$1100.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Credit card or prepaid card

Hi on XX/XX/2022 I got the capital one venture XXXX XXXX, On the XXXX I see that Capital One shut my account, but did not give me back the {$390.00} annual fee, on XXXX XXXX 2022 I called and they said that Im going to see it back within 10-15 business days, on XXXX XXXX 2022 I called back and i was told that the annual fee of {$390.00} doesnt go back. 

Thanks for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this message regarding all three credit bureaus they have not reported my accounts correct and they will not remove the fraudulent activity which happened a year ago also the credit garnisher has not reported my XXXX account that I have made good with payments on so far and they will not drop the fraudulent accounts that I have tried multiple attempts to get off such as XXXX   XXXX, XXXX XXXX and hopefully you can be able to help a crime such as fraud on your credit report can really screw life up for you hopefully we can get this resolved
Product: Credit reporting or other personal consumer reports

Date : XX/XX/year> Dear CFPB, This is my final complaint regarding TransUnion, which has failed to comply with my previous dispute regarding the XXXX XXXX XXXX account. 

XXXX and XXXX have complied and removed this account. 

TransUnion is the only bureau still falsely reporting it. 

My initial dispute was submitted on XX/XX/year>, and as of today, XX/XX/year>, 7 business days have passed. 

TransUnion is close to exceeding the legally required timeframe for investigation and correction. 


Ongoing FCRA Violations by TransUnion 1. Failure to Investigate & Correct Errors ( 15 U.S.C. 1681i ( a ) ) TransUnion has failed to verify or remove the inaccurate XXXX XXXX Services account within the required timeframe. 


2. Reporting False Information ( 15 U.S.C. 1681e ( b ) ) This account should not be on my report, yet TransUnion continues to report knowingly false information, damaging my credit.

3. Unfair & Deceptive Practices ( CFPA, 12 U.S.C. 5536 ) TransUnion is misleading lenders and damaging my financial standing by continuing to report this inaccurate account. 


Final Demand Immediate Action Required TransUnion must delete the XXXX XXXX XXXX account from my credit report immediately and provide : 1. Written confirmation of removal within 24 hours.

2. An explanation for their failure to comply.

Next Steps If the CFPB Does Not Enforce Compliance If TransUnion fails to act by XX/XX/year> ( 10 business days after my original dispute ), I will : File legal action against TransUnion under 15 U.S.C. 1681n, seeking damages for willful FCRA violations.

File a complaint with the Federal Trade Commission ( FTC ) for unfair credit reporting practices.

Escalate this to the U.S. Department of Justice to investigate TransUnions repeated violations. 


Conclusion I have exhausted all reasonable dispute procedures. XXXX and XXXX have complied, but TransUnion continues to ignore federal law. 

I expect immediate enforcement action from the CFPB to hold TransUnion accountable. Please confirm receipt of this complaint and provide updates on how the CFPB will ensure TransUnion complies. 

Sincerely, XXXX XXXX
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, and I seek appropriate redress for these violations.
Product: Checking or savings account

XXXX XXXX  now Axos bank has closed my account without my consent they are charging me a fee of {$8.00} that was not originally on the banking aggreement, I have had my sons XXXX  payment sent to this account and they are refusing to release the funds to me