23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I opened a checking account for my business XXXX XXXX XXXX with Truist Bank we were properly using that account making deposits withdrawals and purchases with the business debit card then we noticed that the account was overdraft with {$21000.00} which seemed to be fees for the concept of " overdraft fees '' which was incorrect because we had never use the account without money available so we went to the bank and spoke with the manager branch which non expressed a solution for that issue.
Product: Debt collection

To clarify the answers to the questions on the prior page : - while the amount owed is being disputed as well, the nature of the misrepresentation in this particular complaint is that the collection agency provided falsified financial records that obscure the actual activity relevant to the disputed debt, which was done far more blatantly and maliciously than any misrepresentation of the balance itself - I have communicated with the company already, but not specifically about the misrepresentations. Given the situation, it felt like it made more sense to file the complaint with a third party. 

In response to my disputing a debt, Arcadia Recovery Bureau , LLC mailed me a letter dated XX/XX/2023 containing financial records that had clearly been falsified and furthermore obscured important information about the adjustment activity on the account. I am including a full description of the issue as a PDF document with this complaint, but am not including any of the attachments, because they contain personal information. The attachments will be available to relevant parties upon request.
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, XXXX XXXX TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, afte
r any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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

On XX/XX/2023, my scheduled monthly payment date, I scheduled a one time only online payment for the balance of my credit card debt ; the actual balance for purchases at that time was XXXX dollars ; my one time only online payment was scheduled for that amount. 
I had previously established a XXXX dollar auto pay to be paid on the same day, this is an auto pay that I had established months ago and for many months, I have been paying my balance with that auto pay amount. 

Mistakenly I did not " uncheck '' the monthly auto pay of XXXX dollars for the pay date of XX/XX/2023, consequently, Citi requested both the XXXX XXXX time only payment and the XXXX auto pay from my bank. The XXXX was paid but the XXXX auto pay was returned as insufficient funds. 

Due to a policy at Citi Bank, Citi created a debit balance for the XXXX dollar returned funds and today they insist that I must pay the XXXX " outstanding balance ''. I have discussed this issue with Citi Bank Customer service on three occasions, explaining my position that the XXXX dollar " debit '' is not supported by any purchases and that the balance of my account was paid in full with the {$9000.00} one time only scheduled payment. The XXXX dollar balance is nothing more than an accounting place holder and does not represent any funds spent nor does it represent any funds due. Citi charged their XXXX dollar returned funds fee three times and I paid those fees. 

After the several conversions with customer service representatives and their managers, I've been told that the balance stands and must be paid. Customer service reps nor their managers bothered to look at my account balances- they simply maintain that a returned payment represents a debit and that I am responsible for paying that debit. ( and the returned fund fee ) Citibank Credit cards create debit balances from mistaken attempts to pay off my credit card balance equal to the attempted or mistaken payment regardless if the mistaken payment attempt is represented by any purchases or previous balance. 

After a month of arguing about the unfounded balance they closed my account and are demanding the XXXX dollar fake balance be paid. 

I am seeking to have the XXXX fake balance be recognized for what it is, an accounting place holder and be credited from my account balance. 

I'm sorry I can not provide account summaries that support my. are, once Citi closed my account they denied access to my my previous account statements. The only statement that I have access to is XXXX 's statement which shows {$6600.00} worth of purchases and the XXXX returned payment fee. I paid the {$6600.00} balance and as mentioned above I am seeking to resolve the XXXX dollar fee.
Product: Debt collection

Subject : Cease and Desist Notification Pursuant to 15 U.S.C. 1692c ( c ) Account # XXXX This letter serves as my formal notification that, under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ), I am requesting that you immediately cease all communication with me concerning the alleged debt associated with account number [ Account Number,XXXX ]. 

Please be advised that the FDCPA prohibits debt collectors from further contacting a consumer upon written request to cease communication, except to confirm receipt of the request, inform the consumer that no further action will be taken, or notify the consumer of specific legal actions that may follow. Any further attempts to contact me beyond these exceptions will be considered a violation of federal law and subject to appropriate legal action.

This request applies to all forms of communication, including but not limited to : Phone calls ( including calls to my home, work, or mobile phone ) Written correspondence Electronic communication ( e.g., email, text messages ) Please note that failure to comply with this request may result in my filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and/or my state attorney generals office. Additionally, I reserve the right to pursue legal remedies available to me under the FDCPA and other applicable laws.

If you believe this debt is valid and intend to take legal action, please limit your correspondence to written communication sent to the address provided above.

Thank you for your prompt attention to this matter. I trust that you will honor this request and ensure compliance with the law. 

Sincerely, XXXX XXXX
Product: Debt collection

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against FINANCIAL ADJUSTMENT. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a public record item that is on my credit report with XXXX, XXXX, and Transunion. XXXX  has removed the item, but these 3 have said they verified it with the Bankruptcy court. I have and have presented the letter from the Bankruptcy court that indicates that they do not verify this information with 3rd parties. I have disputed the item at least 3 times and have been getting the same results. At this time I'm not only filing a complaint with you, but I'm also looking into going to court due to the fact this reporting has delayed a mortgage loan I'm currently trying to get.
Product: Credit card or prepaid card

I purchased a XXXX XXXX on XX/XX/2019 from Kohls Department Store on XXXX XXXX XXXX as a birthday gift for a friend at the end of XXXX. Once I gave my friend the XXXX, we realized that it did not work properly. It will not sync and will not charge past 50 %. Kohls return policy states that with original packaging and original receipt ( which I have both ), purchases can be returned or exchanged up to 16 months from the date of purchase. When I attempted to return my item, only THEN was I told that this premium electronic item only has a 30 day return policy and there was nothing that could be done. It would have been impossible for me to return the item within 30 days because it was not opened or used until XX/XX/2019. All I asked them to do was exchange my non-working XXXX for one that works or credit back my account the purchase price of {$99.00} ( plus tax ) and they refused to do anything at all. I was never notified of this special time limit on my item at the time of purchase ( almost like when you are told All Sales are Final when purchasing a clearance item ). I am now - {$100.00} and have a XXXX that does not work. Its as though I am being punished for planning ahead and buying an item in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion, XXXX XXXX XXXX reported a hard inquiry from XXXX XXXX on XX/XX/2021 that should not be on my credit. I did not give XXXX XXXX authorization to run my credit a 2nd time for a home loan. XXXXXXXX XXXX stated that the inquiry would be a soft inquiry because of a mistake made by XXXX XXXX 

A hard inquiry by XXXXXXXX XXXX  by XXXX XXXX made a mistake on XX/XX/2021 by submitting a hard inquiry using " XXXX XXXX XXXX XXXX '' instead of " XXXX XXXX XXXX '' XXXX XXXX stated the error was theirs. Still, XXXX XXXX allowed the double hard inquiry to stay on my credit report instead of removing it. I need the second inquiry removed from my credit report from all three credit bureaus.
Product: Credit reporting

Experian refuses to acknowledge that my wife and I have a mortgage with XXXX. We talked to both Experian and XXXX and both said the would correct the problem back around XXXX 2015. I looked at my Experian report today and the information was still missing.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd XXXX to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$9200.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$9500.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {$2800.00} XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance XXXX {$9200.00} Original creditor : XXXX Balance : {$730.00XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$17000.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX  XXXX Balance : {$9200.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX Balance : {$730.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Checking or savings account

On XX/XX/year> my savings and checking account was restricted, so I called and they decided to cancel my account, they told me that they were going to send the money to an external account or to my address, but time has passed and they have not They haven't sent anything nor have they given me a response, I have called almost every day and the only thing they tell me is that they don't have a time limit, there are more than {$1000.00} that they have confiscated from me and it is making it difficult for me to pay my debts, that money is 100 % legit
Product: Student loan

I have been trying for months to resolve the issue of my loans. I can not get any help as or answers about help. I am not working and they only offer me two option one is to postpone the other is to pay over 1500 and this is a so called interest only How can I afford that if I am not working? So when I do work, which my hope is in education, the pay still would n't give me enough to cover the big payment! I need help! I keep getting different people and the department that is called advocacy department never answers? I have XXXX different interest rates XXXX different payment, there is no option to consolidate? WhT do I do
Product: Debt collection

1.capital one settled but said they waived more than amount that was they said {$3200.00} but {$270.00} was waived account account was closed in XX/XX/XXXXan still have a balance saying over 1500 days past due paid the XXXX on XX/XX/XXXX an reporting negatively on my account
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXXXXXX I looked at my credit report and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are supposed to 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: Checking or savings account

I ordered children 's clothing through a website called XXXX. 
I paid through my CashApp XXXX debit card on XX/XX/year> XXXX has never been delivered and seemingly lost or stolen in transit. ( the promised delivery date was the XXXX of XXXX ) The package is severely delayed with no update to the tracking info. 
I reached out to shipping company and seller multiple times and they refuse to provide me with an accurate updated tracking on my package. I have no idea where its been for a week now. 
I submitted a dispute through CashApp on XX/XX/year> for good and services not delivered and they denied my claim and said the seller did indeed provide me with goods and services. 

I am now out {$82.00} and have no winter clothes for my daughter or the money to buy her a new warddrobe. 

I am highly disappointed in CashApp for not thoroughly reviewing and investigating my claim. I provided a substantial amount of documentation proving my claim and they denied it within less than XXXX hours. I asked for documentation that supports their findings on XX/XX/year> and they have not provided me with anything I ultimately would just like to receive my money back. I feel as if all three of the companies failed me and I was really hoping and relying on CashApp to rectify this situation but it seems like everyone wants to just keep my money..
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Louisiana XXXX XXXX SS # XXXX DOB XXXX XXXX To whom it may concern, Late Charges Removal You are in Direct Violation of the Fair Credit Reporting Act which has been violated several rights.

15 U. S. C 1681 section 602A. Clearly states that 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 1666B : A creditor may not treat a payment on a credit card account under and open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Looking over my credit and seen some items does not belong to me. The accounts need to be deleted from my credit report immediately. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The Following Accounts listed below : XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

In XX/XX/2016, I was int he process of moving and I ended my services with XXXX XXXX not long after they took over my account from XXXX. It seems in the confusion from the combination of the company switch and my move, some very strange and unusual things happened to my account ( s ). Since that time, I have received multiple billing statements in the mail from XXXX ( keep in mind, I have NO open accounts with them ), some of which say, I owe them money, some say I owe nothing, and some saying I have a credit coming to me. I came to find out that I had XXXX accounts opened under my name, and I have no idea why. Needless to say, this was all VERY confusing and I did not know which to believe or follow through on. After talking to them several times, it seemed that even THEY were confused as to why this was happening. 

Well, as this was going on, apparently, the bill that said I owed money ( {$35.00} ) went into " delinquency ''. And because of that, it seems as though, my credit score has suffered. 

This seems INCREDIBLY unfair, since the blame for this confusion should fall on XXXX billing system, AND the fact that THEY owed ME more money than I owed THEM ( {$61.00} credit that I still have yet to receive ). I do not believe MY credit score should suffer because of this.
Product: Credit card or prepaid card

Paid off my credit card completely on XX/XX/XXXX for {$120.00}. Have not used this credit card since I paid it of. Received no emails or letters regarding bills for my account since I paid it off. I did receive a postal letter that my account was being closed but that was all. 

On the phone today XX/XX/XXXX they told me I was set up for paperless but received no emails and I never authorized paperless. I always received paperless. 

This doesn't explain why I received all these fees and received no notifications.
Product: Mortgage

he mortgage originated with XXXX, acquired by Wells Fargo at some point. The account was in two names - mine and my then spouse 's name. We separated in XXXX at which time he moved out and I made all of the payments. I was awarded the home in the divorce in XX/XX/XXXX and my ex-spouse signed a quit claim deed in XXXX when I refinanced with another institution. 
Several months prior to my closing I asked Wells Fargo to research a {$970.00} fee they had added to my account for what they indicated was " foreclosure expenses ''. They never reversed those charges, and they were included in my payoff quote and paid in XXXX. I received a letter on XX/XX/XXXX reimbursing me for those fees along with an added amount for " the time these funds were unavailable ''. This check was made payable to me " and '' my former spouse. 
Any checks for funds to the account ( class action lawsuits ) have always been issue to us both, and my former spouse refuses to endorse them for me. I had to use our divorce attorneys ( a XXXX process ) each time I needed a check endorsed. 
In this case, the final payoff was sent to them on my behalf by my new financial institution. This check included an amount I had disputed. There is a divorce decree and a quit claim deed showing he has no interest in the property. I have contacted Wells Fargo by phone and by fax to request they reissue this check in my name alone and the responses have been refusals at each attempt. I should not have to hire an attorney every time I need a check signed by him. They already have a copy of the quit claim deed, and my banks will not allow me to cash or deposit the check without the other signature. Wells Fargo correspondence stated they would replace " and '' with " or '' on the check but would need a NOTARIZED authorization signed by both parties to do this. ( I guess they think he will give me a signature on a piece of paper knowing he won't on a check ). 
The company is not working with me to find a solution to this, and I simply want MY money back, which I paid, for fees that were NOT supposed to be charged and were DISPUTED before they were paid for. I request they send any future checks in the same manner - payable to me alone.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following account is listed on my credit report that violates : 15 USC 1681a *Accuracy and fairness of credit reporting... There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 USC 6802 : a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. Account number is XXXX when i applied for this credit card i never received a clear and conspicuous in writing or in electronic form i need XXXX to delete this account immediately