23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

Subject : Complaint Regarding Cash App Transaction Error and Unresolved Negative Balance Dear CFPB, I am writing to file a complaint regarding Cash Apps mishandling of transactions and the negative balance they have caused on my account. Specifically, this issue involves a purchase I made through XXXX XXXX XXXX XXXX XXXX system. 

On [ insert date ], I made two purchases : 1. {$120.00} Initially recorded as pending 2. {$19.00} Posted and completed The total amount of these purchases was {$140.00}. However, Cash App only posted the {$19.00} charge while the {$120.00} transaction remained pending, leaving my account negative. I contacted Cash App multiple times to request that they correct the pending transaction and provide clarity, but they have refused to do so. Additionally, the {$120.00} transaction was incorrectly labeled as transportation, when in fact, it was a hotel-related charge. 

Despite providing proof that the correct balance for these transactions is now {$0.00} ( as Cash App requested ), they are refusing to void or clear the pending charge. I have made multiple attempts to resolve this issue through Cash Apps support, but their responses have been inadequate, and they continue to ignore my request for detailed information about the transactions. 

This error has caused unnecessary financial hardship by placing my Cash App account in a negative balance. I am requesting your assistance to compel Cash App to : 1. Void or clear the {$120.00} pending transaction 2. Correct the transaction labeling to accurately reflect a hotel-related charge XXXX. Provide a detailed and accurate breakdown of the issue Thank you for your attention to this matter. I look forward to your assistance in resolving this dispute. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting act XXXX XXXXXXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXXXX/XX/XXXX TransUnion XXXX XXXX MI XXXX XXXX XXXX {$12000.00} XX/XX/XXXX 15 U.S.C 1681 section 602 A. states i have the right to privacy 15 U.S.C 1681 section 602 A. Section 2 : IT also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I noticed that the following is against my credit XXXX XXXX XXXX XXXX Open account ( XX/XX/2019 ) I have an account with the company however the account that I am responsible for is in good standing, I have disputed this account above at least twice because I have absolutely no knowledge of this account and did not open such account, at one time I did have a problem with someone who used my identity and was able to get in my bank account and used money out of my account a few times, fortunately the bank caught this and froze my debit card for me and it was resolved quickly. I don't know if maybe the same person might have used my information however I do know that I did not, I don't know what eles to do about this being against my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX - Account # XXXX - Amount {$5900.00} XXXX - Account # XXXX - Amount {$0.00} XXXX XXXX  - Account # XXXX - Amount {$0.00} XXXX XXXX - Account # XXXX - Amount {$0.00} XXXX Bank XXXX Account # XXXX - Amount {$0.00} XXXX - Account # XXXX - Amount {$1500.00} XXXX XXXX- Account # XXXX - Amount {$0.00} XXXX XXXX XXXX XXXX Account XXXX XXXX - Amount {$0.00} XXXX XXXX XXXX XXXX Account XXXX XXXX - Amount {$0.00} XXXX Account # XXXX - Amount {$0.00} DEPTEDXXXX - Account # XXXX - Amount {$8200.00} DEPTEDXXXX XXXX Account # XXXX - Amount {$3500.00} DEPTEDXXXX - Account # XXXX - Amount {$8600.00} DEPTEDXXXX - Account # XXXX - Amount {$3900.00} USDOEXXXX - Account # XXXX - Amount {$0.00} has violated my rights. 

15 U.S.C 1681 section 604 A, states I have rights 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.
Product: Debt collection

am writing to formally dispute, the legit debt reference above which which your agency claims I owe. In accordance with my rights under affair, debt collection practices at FDCPA I request that you provide me with the following information to validate this debt.

1. Please provide a complete and detailed account of the amount you claim I owe, including any interest fees, or any other chart that have been added to the original debt.

2. Please provide the full name and address of the original creditor to whom is debt is owed.

3. Please provide documentation approves. I am indeed responsible for this debt, including any sign agreements, contracts, or other proof of the obligation.

4. Please provide a complete account history, including original balance any payments made any fees or interest added, and the dates of this transaction.

5. Kindly provide a copy of the signed contract agreement that demonstrates my obligation to pay his debt.

6. Please furnish me with your agencies, licensing information as required by state and federal laws.

please note that under the FDCPA, you are required to provide the requested validation within 30 days of receiving this letter if you fail to do so I expect that this debt will be removed from my credit report and that no further collection attempts will be made. 
Thank you for your prompt attention to this matter. I look forward to receiving a request information to resolve this dispute. 
Sincerely, XXXX XXXX
Product: Debt collection

I received a judicial summons on XX/XX/XXXX. XXXX to appear in court on XX/XX/XXXX to collect a debt in the amount of {$11000.00}. I sent a letter to the court on XX/XX/XXXX acknowledging that I received the summons. I also made contact with the law firm XXXXXXXX XXXX XXXXXXXX in an effort to settle the debt. I have now received a court order to garnish my wages beginning XX/XX/XXXX in the amount of 25 % bi-weekly. I never received any additional letters about garnishment of wages and this was sent before my chance to stand before a judge on my court date. Capital One is fraudulently trying to garnish my wages.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to XXXX XXXX XXXX in XXXX XXXX to purchase a car. I authorized for them and only them to run my credit. 10 different companies have an inquiry for that same day. I have sent letters and disputes to have them removed. 

On XX/XX/XXXX I went to XXXX XXXX XXXX and authorized them to make an inquiry on my credit. My report shows inquiries on the same day to the following companies ; XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX ( 2 in one day ), XX/XX/XXXX XX/XX/XXXX ( again 2 in one day ) and XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, LLC XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX-Indirect XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX ( 2 in one day ) XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ( 2 in one day ) XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX ( 2 in one day ) XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX.com XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute Response Failure to Provide Proof of Debt Validation ChexSystems, I am writing regarding your recent response to my dispute of an alleged debt Account ( XXXX XXXX XXXX ) XXXX reported under my name. While you have stated that the debt has been verified, you have not provided any supporting documentation or proof of how the debt was validated. This failure raises significant concerns regarding your compliance with the Fair Credit Reporting Act ( FCRA ) and my rights as a consumer under federal law. 

Under 15 U.S.C. 1681i ( a ) ( 1 ) of the FCRA, a consumer reporting agency must conduct a reasonable investigation upon receiving a dispute. Furthermore, under 15 U.S.C. 1681i ( a ) ( 6 ), the consumer must be provided with the results of the investigation, including any documentation used to verify the accuracy of the disputed information. Failing to provide adequate proof of validation or evidence of the debts legitimacy violates these provisions. 

Additionally, withholding this information infringes upon my privacy rights under 15 U.S.C. 1681b. This section of the FCRA strictly limits the permissible purposes for obtaining and reporting consumer information. If the debt in question can not be validated, continued reporting constitutes unauthorized use of my personal data and is an invasion of my privacy.

I am requesting the following : 1. Proof of how the debt was verified, including any documentation from the original creditor.

2. A clear explanation of the steps taken to validate the accuracy of this debt.

3. Immediate removal of the disputed information if you can not provide adequate proof of validation. 

Failure to comply with these requests will leave me no choice but to file complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). Furthermore, I will consider seeking legal action for damages caused by your noncompliance with federal law.
Product: Payday loan, title loan, or personal loan

I have emailed and spoke to Prosper about calling my work. They continued to call even after payment arrangements were made online. I have the email ( XX/XX/20 ) where I asked them to stop calling my work which they acknowledged and I have spoke to them about calling me at work ( XX/XX/20 ) he said he saw a payment and will put to stop calling at work. They have been told several times to stop calling my work. I have the email, date of the phone call where I spoke to a representative and several phone pics of them calling my work. I would like to file an FDCPA complaint for harassment. The calls often times are no one saying anything or they will speak to my coworker, but not me when i get on the phone.
Product: Credit card or prepaid card

some on open this account under my name and have late payments and max out CC, XXXX and XXXX, XXXX giving me hard time with no explanations
Product: Credit reporting, credit repair services, or other personal consumer reports

My previous COMPLAINT Last year I step into BB & T also now known as Truist Bank located XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. I originally went there to get a secured credit card without an inquiry the bank provided me with a physical application to fill out which I did before we submitted the application I asked if this is a soft pull or will I receive an inquiry the banker was unable to answer my question she said she will be right back with an answer for me just fully complete the credit card application before she speaks to the branch manager about whether or not I will receive an inquiry or not for applying. She came back with the branch manager and he explained that yes if I proceed with the application there is a credit inquiry. which I declined, left the signed application at the bank, and walked away. I left the next day I received an inquiry on my credit report. 


Truist claims they have on records indicating that they responded to my concerns by telephone on on XX/XX/2022. At that time, I was informed that I gave them a permissible purpose to review your credit which is false! 

Please provide with a copy of these " RECORDS indicating I gave you guys permission
Product: Debt collection

Im a victim of data breach and the information is not accurate. The Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act protect consumers from inaccurate or incomplete information on their credit reports. These laws give consumers the right to dispute inaccurate information and request that it be removed. Im requesting for it to be removed in five business days
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself. These accounts are reporting late as reported in Equifax. Lets correct this immediately. Equifax is required to verify for themselves, but they failed to neither verify nor update me about these complaints. Please update or remove the late payments from this account. 

( XXXX XXXX XXXX XXXX XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item 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 XXXXXXXX Balance : {$26000.00} ; XXXX XXXX Balance : {$1800.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX  XXXX Balance : {$5300.00} ; XXXX ( Original Creditor XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$410.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$630.00} ; XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXXXXXX ) XXXX Balance : {$62.00} ; XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX 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
Product: Debt collection

I have XXXX collection accounts on my credit report from this company and not only disputed with the credit bureaus but also with the collection agencies. I sent the letter to the address on my credit report. The letter was returned as deliverable. I then sent the letter to another address obtained from a letter sent to me after the credit bureau dispute was received by them ; it was a different address. I asked for the proof that I ever agreed to pay or owe the debt with my signature on it. The only communication I have ever received was that one letter. They refuse to remove, reply, validate or anything else. By not replying, they are agreeing that the debt is not valid and therefore, should be removed. Not only have I received no proof of this debt, but they have also failed to insert a notice of dispute to my credit file which is a violation of the FDCPA and I can take them to court over this along with reporting a debt and failing to verify. In addition to this, they continue to change the account status from open to closed and back again, multiple times per month.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of aggravated identity theft. I ask that you re-investigate this matter and I demand to see proof with my signature on it that you have on file for the account listed. also note that the account XXXX XXXX XXXX ACCOUNT NO. XXXX is reporting as a charged off. {$11000.00} written off. {$14000.00} past due as of XX/XX/2023. According to the FCRA, section 609 ( a ) ( 1 ) ( A ) you are required by the federal law to verify through physical verification of the original signed contract. Also, note that if the company has filed a 1099c and is continuing any kind of collection activity as defined under 31 U.S. CODE 3711 ( e ) should be reported by the IRS for fraudulent financial gain.
Product: Mortgage

Executive summary : We purchased a property in XXXX in XXXX XXXX XXXX. The purchase price was XXXX XXXX and we obtained a mortgage through a mortgage broker from CrossCountry Mortgage, LLC . However, the Closing Disclosure we signed at closing, which we later learned had an incorrect property tax estimate. We signed the Closing Disclosure on XX/XX/XXXX, which showed that the estimated property tax to be collected was XXXX XXXX or XXXX XXXX This made our total monthly payment {$5400.00}. This was a stretch for us, but we were excited to own a home. CrossCountry immediately sold the mortgage to XXXX XXXX and we began making payments of XXXX XXXX to XXXX XXXX in XXXX, XXXX. 

The Property Tax Rate in XXXX XXXX is about 1.37 %. The assessed value for the first year is the purchase price. With the {$7000.00} homeowner exemption, the estimated tax for the XXXX fiscal year would then be ( 1.37 % * {>= $1,000,000} ) = {$16000.00}. Add fixed charges and bond passthroughs of ~ {$1800.00} and the total estimated tax should have been about XXXX XXXX or XXXX XXXX 

They misrepresented the cost of ownership by XXXX XXXX to our detriment. This represents a difference of over 15 % of our monthly payment and this increase will continue throughout the XXXX year life of the loan. That is {$300000.00}! This error has put a huge financial burden on us and we are struggling to make payments. We relied on our loan

officer as a guide through this new and complicated process as well as the Closing Disclosure as the primary input for our decision of whether to buy or not to. Even though we opened an escrow account with CrossCountry at the time of purchasing the house, we never heard of an error or issue with our payments. Around XXXX XXXX XXXXXXXX, I received a late payment notice from XXXX XXXX. I eventually learned that there was a particular type of supplemental property tax bill that was not sent to XXXX XXXX. I alerted XXXX XXXX of this situation and they quickly paid the tax bill and the late payment penalty. However, this payment resulted in a shortfall of {$13000.00} in our escrow account. XXXX XXXX has now increased our monthly payment by XXXX XXXX to close the shortfall over the course of XXXX XXXX. However, they are still collecting the incorrect XXXX XXXX for property taxes. At some point in the XXXX XXXX they will revise the property tax collection amount and our payment will go up by another ~ XXXX XXXX. Again, this is a huge financial burden we have incured because of CrossCountry Mortgage 's error.

We have talked to our loan

officer at CrossCountry. She says that the incorrect property tax estimate printed on our Closing Disclosure was a human error, she apologized, and she said that there is nothing she or anyone else at CrossCountry can or will do about it. Additionally, we wrote a letter to the legal team of
CrossCountry. They never responded.
Product: Checking or savings account

Hello : This complaint is in addition to complaint XXXX. 

Once again this morning I awoke to an additional overdraft for a charge made on XX/XX/22. It is now XX/XX/22, and according to the screenshots of my account and this transaction attached I had the funds, and the transaction did not put my account in the negative. According to Truist 's following statement, the deduction of this transaction would have been included in my available balance : " Your available balance is the money currently available to make purchases, withdrawals, and payments. This balance is updated throughout the day with the transactions you make, including pending transactions and holds. It does not include bill pay checks or checks you've written or deposited that have not yet posted. This balance is used in making payment decisions and triggering overdraft fees if applicable. '' Now I see ANOTHER pending charge for {$12.00} from XX/XX/22 that's probably going to be charged an overdraft fee, even though it was listed as pending for two days, and the deduction should've been included in my available balance, and there was previously no overdraft fee associated with it. 

Also, why did the date of the transaction for {$12.00} change from XX/XX/22 to yesterday, XX/XX/22? I didn't take any XXXX yesterday because Truist screwed up my account. 

Truist is engaging in unscrupulous banking practices to charge customers overdraft fees. I live paycheck-to-paycheck, and now once again on payday, just like last pay period, Truist is going to probably deduct as much as {$110.00} in overdraft fees from my paycheck. This bank is behaving like a predatory payday loan company. 

Please see the screenshots attached. I also have text messages listing deductions and balances, and well as phone recordings with customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on these items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
The items are listed below that need attention : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX XXXX Balance : {$19000.00}, XXXX XXXX XXXX Balance : {$3400.00}, XXXX XXXX XXXXXXXX Balance : {$1100.00}, XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX. ) XXXX Balance : {$2200.00}, XXXX XXXX XXXXXXXX Balance : {$740.00}, XXXX XXXX Balance : {$0.00}, XXXX, XXXX XXXXXXXX Balance : {$200.00}, XXXX XXXX XXXX Balance : {$1000.00}, XXXX XXXX XXXX Balance : {$820.00}, XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I just figured out recently that I have item in my credit report that is completely not mine. I believe I become a victim of identity theft someone took my personal information and filed this account. I got crazy to see it suddenly appeared. Look I want you to help me because its not fair and I am not connected to this transaction or charges or whatever! I am getting married soon and I need to have good score and good picture for family plans, thank you for understanding and I hope you will help me and remove this item as soon as possible. 
XXXX In case of questions please contact me directly )
Product: Debt collection

I have stated multiple times that Navin t is not to contact me by phone at any time, including specifically being told not to contact my employer. A representative from Navient contacted a member of HR at my work and threatened them to turn over personal financial information about me. The HR rep was scared from the threatening tone of the representative. After that incident, I immediately told Navient that they are not to contact me at work. Today I got several blocked caller ID number calls at work and a threatening voicemail on my personal work line.