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

Creditor Name : XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX and Experian have been and are reporting inaccurate information on my credit report. I have been damaged and denied credit because of the inaccurate information reported by XXXX XXXX XXXX  and Experian. Experian and XXXX XXXX XXXX have been and are reporting my account as managed by credit counseling program which is not true. Recently they added the comment Credit line suspended collateral depreciation which is not true. I sent certified mail and provided the evidence ( the termination letter from the credit counseling agency ) to both Experian and XXXX XXXX XXXX that this account was a regular account and not managed by credit counseling program since XX/XX/XXXX. I waited more than 30 days to have the verifiable proof from XXXX XXXX XXXX or Experian of their inaccurate information reporting and I didnt receive it from both of them. Since neither XXXX XXXX XXXX nor Experian have a verifiable proof of their inaccurate information and it has been more than 30 days since they received the dispute, according to Fair Credit Reporting Act 15 U.S. Code Sec. 1681i ( a ) the account mentioned above should be deleted immediately. Certified mail tracking number sent to XXXX XXXX XXXX on XX/XX/XXXX : XXXX. Certified mail tracking number sent to Experian on XX/XX/XXXX : XXXX. Second Certified mail tracking number sent to Experian on XX/XX/XXXX : XXXX. Third certified mail tracking number sent to Experian on XX/XX/XXXX : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed for bankruptcy in XXXX of 2018 - it was discharged in XXXX of 2018. I still have 2 companies reporting open accounts for items that were included in this bankruptcy. They are correct with XXXX  and XXXX   but Experian will not correct it on their report. I have filed a dispute with Experian, and written 3 letters to the creditors trying to get this resolved. The two open tradelines are XXXX and XXXX XXXX, both were discharged through bankruptcy. I feel that I am being discriminated against as I have tried numerous times to correct these issues and they have been ignored. I want both of these tradelines to show closed and discharged through my bankruptcy instead of showing as open and collections. People file bankruptcy for various reasons and in my case it was due to divorce, I am trying to resolve my financial issues and having these two incorrect items on my report is effecting me to recover from this situation. Please have Experian correct my credit report immediately or I will have to seek legal counsel.
Product: Money transfer, virtual currency, or money service

Im 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 Fraud 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

I did not authorize nor consent to the account opened with Vystar. I had an account with Vystar and closed it in XXXX. Today I called to help someone get a personal loan, but I was told by Vystar that I had an account opened in XXXX and had a charge off. I was never aware of this charge off and I refuse to pay it because the account does not belong to me. I spoke with several representatives, and everyone is trying to force me to pay the amount, and no one is looking into the situation and investigating if the account has been fraudulently opened, which it has. I was employed around that time, and I had a job with my income going to a different financial institution. I have never received any communication about this charge off and no one will help me validate the information. I have little knowledge of this debt, and no one is willing to help me resolve the issue. I refuse to pay for an account that is not mine. I want this debt to be out of my name and I do not owe it at all. This is very unfair to me. I have filed an FTC report, which is attached, and I have called and tried to resolve the issue, and no one would help me.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$970.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX  XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

A lot consumers depend on face to face transactions with their local bank. Unfortunately, some of us have limited time to perform these banking transactions given family and work responsibilities. The Bank of America at XXXX XXXX XXXX in XXXX, NC makes it extremely difficult for customers to deposit or withdraw funds with a teller. This bank branch is significantly under-staffed with just one teller. As a result, customers either i ) waste time in one of two drive through lanes that are no longer open or ii ) wait in line for a single teller inside the bank. This is extremely frustrating for customers that only have an hour for lunch or limited time on Saturday mornings to make transactions. The manager at this local branch ( XXXX XXXX ) was extremely condescending when I brought these concerns to his attention. He had no empathy for my concerns. He made no attempt to apologize for the poor customer service. He attempted to embarrass me by refusing to process my transaction. I was asked to leave this bank branch. This is not acceptable and could have been avoided if Bank of America had adequate staffing for this bank branch. It seems like these banking institutions are constantly asking for more sacrifices from customers in an effort to increase profits. Arrogant and incompetent employees like XXXX XXXX ( XXXX ) XXXX should be more sensitive to customer concerns. The inadequate staffing essentially nullifies access to important banking services. The time waiting for a teller at Bank of America makes customers feel like they are in line for XXXX XXXX tickets. Unfortunately, there is no 'satisfaction ' consistently spending 40 minutes waiting in line to conduct a simple transaction. The bank needs to apologize for being inconsiderate and wasting the time of customers. The bank should value our business and treat customers with respect. Bankrupting America should not be allowed to intimidate customers who raise valid concerns about the company 's hostility towards customer service. Mr. XXXX XXXX is one tree short of a hammock if he thinks consistently having one teller is an adequate staffing level for such a busy location of a national bank.
Product: Debt collection

I have never done any business with you. I am unaware of any contractual agreement or obligations to pay you. This is my final warning and NOTICE to you. I refuse to pay this alleged debt. Please remove my nonpublic personal information from your database or system of records. I am demanding that you comply under the FDCPA and FCRA and remove this tradeline from my consumer report from any and all credit reporting agencies such as XXXX, XXXX and XXXX immediately upon receipt of this NOTICE. I did not consent to any storing, sharing, using or profiting from my nonpublic personal information. Please note any violation of my consumer rights under the FDCPA and/or FCRA you shall be liable pursuant to 15 USC 1692k and any other applicable laws.

PLEASE NOTE : I am aware of several lawsuits filed against you which includes but not limited to : Consumer Financial Protection Bureau Settles Lawsuit with Debt Collectors and Debt Buyers Encore Capital Group, Midland Funding, Midland Credit Management, and XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX Balance Owed : {$520000.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX  XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Product: Checking or savings account

XXXX XX/XX/XXXX  when I went into Wells Fargo branch XXXX XXXX XXXX, XXXX, FL XXXX branch to cash a check using me debit card for ID. She said " you closed the card ''. I never closed the card. Upon arriving home I called number on back of card. After being verified and an email sent with verification code I was told " the bank closed card for lack of use. '' Would have been very nice if I needed money while traveling. I asked for a new debit card and employee wanted to start all over again with verification information to issue card. I said to send me a new card in 7-10 business days or I'll close my accounts as a 28 year customer. No new debit card arrived. 

XXXX XX/XX/XXXX  went to Well Fargo branch located at XXXX XXXX XXXX, XXXX, FL XXXX to close five accounts. " No one working today. I can make an appointment for you at XXXX tomorrow. " XXXX XX/XX/XXXX  Went to a different Well Fargo branch located at XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX to close five accounts. I was issued five cashiers checks. And, told to call XXXX to Close accounts. The checks are deposited in another financial less than an hour later. 

XXXX XX/XX/XXXX  called XXXX spent 30 minutes with two employees attempting to close already closed accounts. First was XXXX XXXX. Didn't make sense why I had to call to close an already closed account. XXXX XXXX   could only close four of five accounts. " No mobile number to send text message. '' I told second employee XXXX XXXX there never was a mobile number on account email me verification code. " I can't do that sir. I only lets me send to a mobile number. You can go to a Branch, try online if you still have access or write a letter. " On each account I had to listen to XXXX read text and acknowledge about closing account and my financial liability if account are used in the future. And, give a reason for closing each account. Poor customer service. 

Two of the closed accounts are interest bearing so I'll receive two more cashier checks in the amount of {$0.00} and {$0.00}. 

The last outstanding account be can't be closed because it has earned {$0.00} interest in past twenty-four hours. Now I must waste more time closing an account for grand total of {$0.00} today. 

The reason the accounts are being closed is because the bank closed a debit card without notification after closing in a separate letter sent via US mail to me the consumer, half truths of employees and poor customer service.
Product: Credit reporting or other personal consumer reports

Corelogic continues to report incorrect information on my consumer report. My name is XXXX XXXX there should be no other names listed on my report. My address is XXXX XXXX XXXX XXXX XXXX MI XXXX there should be no other names on my report. Corelogic is causing me harm by reporting this incorrect information.
Product: Credit card

I refuse to pay {$720.00}. I first became aware of this debt when I received a collection report on XXXX XXXX. I am no longer responsible for this debt and XXXX XXXX XXXX  was aware many times that I could not afford to pay the original payments due to unemployment and unforeseen circumstances such as part-time jobs only. Also, I spoke to them about a payment agreement many times before and I was able to pay it off for what I could afford. So, I do not recall where this {$720.00} is coming from since I also have not used the card in over a year. This company has harassed me on multiple occasions. They will blow up my phone all hours before XXXX XXXX  and after XXXX midnight and throughout the day. They would also send various emails and call me from different spam numbers when I would block the original number, and they would call from different parts of the world. I refuse to pay.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, a direct deposit of {$1100.00} was expected to be in my account. I contacted my HR  company ( XXXX to follow up. ) My HR company informed me to allow them 3-5 business days so they can collocate a trace number. 
On XX/XX/XXXX, I again contacted my HR  company and they informed me that the money had been received by CHASE, and they had placed the money in the incorrect account. My HR  company provided me with trace number XXXX. 
On XX/XX/XXXX, After speaking to my HR  company I contacted the bank and provided them with this trace number. The bank representative XXXX, informed me that they needed the incorrect account number to locate the funds. I provided the bank representative with account number XXXX and routing number XXXX, and she informed that she had located the funds. She informed me to wait 2-3 business days for the money to be relocated to my account. I was provided with claim number : XXXX. 
On XX/XX/XXXX, I found that the funds were still not available in my account. I contacted CHASE, and Supervisor XXXX informed me that the individual that I spoke to on XX/XX/XXXX, had lied to me and that they could not locate the money, and they could not assist me with my claim. I later to request to claim number, and spoke to representative XXXX, and he informed me that they had located the funds, but could not reverse the funds to my account, because the funds had been placed in an active account, and a reversal needed to be done though my HR  company. 
At this time my HR  company is unable to help me because the money was received by CHASE, and CHASE is refusing to assist me. I need this money to stay afloat and pay for my rent and lively hood. This is causing me great distress. Thank you advance for your assistance on this case.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I sent a dispute letter to Experian, requesting specific information regarding the accuracy of my credit report, particularly regarding the Public Record Court Name : XXXX XXXX XXXX XXXX XXXX with Reference Number XXXX. The information I requested included the Date of Contact with the Furnisher, the Furnisher 's Contact Information, the Name of the Person Who Verified the Items, the Method of Communication Used for Verification, and whether the Furnisher provided My SSN, Date of Birth, and Address. Despite my clear and reasonable request, Experian responded on XX/XX/2024, without providing the specific details I requested. Additionally, upon reaching out to XXXX for my consumer report on XX/XX/2024, with Consumer Number XXXX and Case Number XXXX, it was found that no bankruptcy is being reported as it is unverifiable. Experian 's response did not include the specific details requested regarding the accuracy of my credit report, which is essential for ensuring fair and accurate reporting. Experian 's failure to disclose the requested information undermines transparency and accountability in their credit reporting practices. The discrepancy between the information provided by Experian and the consumer report obtained from XXXX raises concerns about the accuracy and reliability of Experian 's reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent Barclay Bank three certified letters ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, all in XXXX ) that I disputed this account on my credit report. I have requested an investigation of this account and of any proof that this account is mine but they have ignored my letters and phone calls. More importantly they have refuse to include a posting of a Notice of Dispute to my XXXX credit report which is a requirement that needs to be placed no later than 30 days after being notified of the dispute. As of XX/XX/XXXX that has still not been done. 

Per the FCRA : FCRA Section 623 ( b ) ( 1 ) provides than when a furnisher receives a notice of dispute regarding the completeness or accuracy of reported information from a CRA, the furnisher must conduct a reasonable investigation and review all relevant information provided by the CRA. 

Duty to Provide Notice of Dispute. If a consumer disputes the completeness or accuracy of furnished information, the furnisher must provide a notice of the dispute to the CRAs when furnishing the disputed information. The term negative information means information concerning a customers delinquencies, late payments, insolvency, or any form of default. 

Timing of Notice. The financial institution must provide the notice to the customer no later than 30 days after furnishing the negative information to a CRA. 

Substantial Penalties for FCRA Violations Not complying with the FCRA can subject the furnisher to statutory damages of $ XXXX {$1000.00} per violation. The FCRA states that plaintiffs can also win punitive damages and recover attorney fees, these types of violations make appealing class-action targets. 

Attached of my current ( XX/XX/XXXX ) XXXX credit report of the Barclay account. As you can see there is no Notice of Dispute even after seven months of disputing this account to the furnisher, Barclay Bank.
Product: Debt collection

Went to XXXX XXXX XXXX XXXX for consult of procedure on XX/XX/XXXX. They gave my pre-treatment " estimates '' and I paid for my portion of XXXX. My procedure was completed XX/XX/XXXX. Months later after my procedure they contacted me and said insurance denied coverage. Insurance asked for the reference number to the XXXX XXXX that the XXXX center filled out. I found out that no pre-treatent estimate was ever filled out and they called and spoke to someone on the phone and asked General and vague questions that did not apply to my case. In the beginning, if they filled out the actual XXXX XXXX that my insurance requires, we would have found out that my insurance was not going to cover. When I signed my paper agreeing to cover my finances based off estimates, to my knowledge they completed the XXXX XXXX. Since that was never completed I felt I was mislead and had to seek services elsewhere. I tried to talk to the doctor and the facility XXXX about their mistakes to ensure it doesn't happen to someone else but they were very rude and would not acknowledge their mistakes.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told the XXXX, XXXX, and Equifax to reinvestigate this account : XXXX XXXX XXXX [ XXXX XXXX XXXX  ] account number : XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Product: Checking or savings account

I received a notice from my bank that my checking account was frozen due to a judgment against my son who has the same name as me. I am XXXX XXXX XXXX My son is XXXX XXXX XXXX XXXX are XXXX  years different in age. when I went to the bank they acknowledged to me that this is my account because they know me apparently when my account was opened the bank input my sons social security number instead of mine his suffix is the XXXX mine is XXXX, as stated on the social security cards. i always kept my social security cards and my children together in a portfolio business car booklet and when i handed the banker at that time which was citizens bank or people united the entered the wrong social security card number in along with my drivers license, at that time they should of noticed the difference, my children were in the adolescent years not old enough XXXX XXXX nor have a bank account. for all these years my account which the president of my bank, M & T bank, XXXX XXXX XXXX XXXX XXXX was aware of the situation as we explored the possibilities as how this happened. i issued her my drivers license and social security card as well as my sons information and she acknowledged there was an error. after XXXX weeks have gone by i have not heard from her amount making the change and she has not contacted me since. she said she esculate the issue to the back office but has not changed a thing. my account is also still frozen. i also contacted the attorney office who are responsible for the error and they also spoke to my son as well and he acknowledged that the bank account that they have froze was not his and that he has never banked there or done any business with that bank. I submitted 90 days of bank statements and a copy of my Social security income XXXX XXXX  that supposed to be exempt and they have not responded back to me or the bank. When I call them and enter the file number XXXX at XXXXXXXX XXXX XXXX XXXX XXXX they hang up. there email is XXXX no response. the bank email is XXXX no response as of today. please expedite this matter .i am being victimized especially when the bank knows that this is my account as the father and not the sons and they verbally acknowledged the mistake of imputing the wrong social security number when both were in the portfolio holder. Please take notice that my son is XXXX XXXX XXXX which is on the court document, my Account is XXXX XXXX which also designate XXXX. The bank made the mistake of omitting my suffix XXXX and that would distinguish the difference of ownership of the bank account more clearly. .thank you XXXX XXXX XXXX XXXX 
XXXX XXXX
Product: Credit card

Hi there Ive been a reliable member of Citibank for XXXX years/ always paying off my credit cards. The company just shut down out of nowhere all XXXX of my credit card accounts. No explanation but a place to mail a complaint to. 

Ive requested that they re-open all of my credit card accounts and want to know what their reasoning was. 

Case number given by Citibank is : XXXX