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

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX has violated my consumer rights by reporting inaccurate information across my XXXX, XXXX and Equifax consumer credit bureaus. I would like this inaccurate account to report PAID ON-TIME on my credit report immediately. 15 U.S.C 1681a : States I have the right to privacy. 15 U.S.C 1681a Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions. 
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX  has violated my consumer rights by reporting inaccurate information across my XXXX, XXXX and Equifax consumer credit bureaus. I would like this inaccurate account to report PAID ON-TIME on my credit report immediately. 15 U.S.C 1681a : States I have the right to privacy. 15 U.S.C 1681a Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions. 
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX has violated my consumer rights by reporting inaccurate information across my XXXX, XXXX and Equifax consumer credit bureaus. I would like this inaccurate account to report PAID ON-TIME on my credit report immediately. 15 U.S.C 1681a : States I have the right to privacy. 15 U.S.C 1681a Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions. 
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX XXXX  has violated my consumer rights by reporting inaccurate information across my XXXX, XXXX and Equifax consumer credit bureaus. I would like this inaccurate account to report PAID ON-TIME on my credit report immediately. 15 U.S.C 1681a : States I have the right to privacy. 15 U.S.C 1681a Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions. 
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX XXXX XXXXXXXX XXXX has violated my consumer rights by reporting fraudulent information across my XXXX, XXXX and Equifax consumer credit bureaus. I would like this fraudulent account removed from my credit report immediately. 15 U.S.C 1681a : States I have the right to privacy. 15 U.S.C 1681a Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions.
Product: Checking or savings account

XX/XX/XXXX visiting daughter in XXXX XXXXWe have a shared Costco account. To Costco. Offered to buy XXXX XXXX XXXX for daughter. Got to check out. Didn't have my Costco credit card. Daughter charged XXXX  to her account. I told her I'd send {$140.00} to Citi Bank Costco as soon as i got home to PA. Sent check to Citi bank XX/XX/XXXX for {$140.00}. Put last four digits of daughter 's account in memo line of check. btw, I pay all my Costco bills by check and put last four digits of my account on memo line. So far, never a problem. I noted on XX/XX/XXXX statement the {$140.00} had not been credited. XX/XX/XXXX and XX/XX/XXXX Called Citi who determined money had been deposited to another XXXX account with same last four digits. Citi told me money will be in our joint account in 7-10 days and i'd receive by snail mail documentation to complete and return within 30 days.Money did appear in account as credit but no snail mail arrived. XXXX XXXX Called Citi to say no snail mail documentation request had arrived. Citi determined snail mail had been sent to XXXX, NC. Same daughter lived in XXXX in XXXX but left forwarding address with PO when she moved to XXXX. Citi said they will resend documentation request to me in PA. Meanwhile, {$140.00} has been taken out of our account because snail mail documentation request was not returned to Citi. XX/XX/XXXX call to Citi to ask what next. Citi states " investigation started. '' snail mail request resent. XX/XX/XXXX - called Citi because no snail mail request has arrived. Citi states none sent but will send it today ( XX/XX/XXXX ). XX/XX/XXXX Snail mail from Citi saying they can not find {$140.00} and I am to send copy front/back of check to them. Copy sent to Citi Costco XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX.
Product: Checking or savings account

On XX/XX/XXXX, I deposited an insurance check for {$2500.00} into my Truist bank checking account. I received an email that these funds would be on hold for XXXX days. I had a current balance of {$390.00}, my auto pays and debit card were declined so I called the bank and I was told my account was blocked for fraudulent activity. I told him it was not fraud. It was a check for my insurance company and why were they holding the other funds? I was told they were reviewing our relationship and to call back on the XXXX I called back no information was given call back on the XXXX no information on the XXXX. My funds showed available in my account but still could not access them. Customer service told me that now my account is closed, the investigation they dont know when Ill get my money or when Ill have access to the funds. Apparently this is a common practice. I looked online and many many customers have the same complaint. Ive incur late fees charges was never informed. They would also hold anything besides the check deposit into my account, I asked when I could legally expect payment or when I could access the funds and was not given an answer
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts 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 accounts 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. I've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the FTC report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the FTC report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXXXXXX XXXX XXXX opened XX/XX/XXXX Balance {$2800.00}, XXXX XXXXXXXX XXXX Date XXXX XX/XX/XXXX Balance {$0.00}, XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$2800.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$2300.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$240.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$4600.00} XXXX and XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$460.00}. 

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 reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a dispute to Equifax ( along with XXXX  and XXXX   ) over a collection debt that was already paid. Here is the 10 Digiti Confirmation Number : XXXX for the dispute with Equifax. 

I have made several attempts to view the dispute status online and am unable view it. Their system is unable to provide me with access to the dispute center so I can view the status of my dispute. I believe their front-web programming team needs to investigate the techical glitches with their website. 

On two occassions, when I was able to access the Dispute Center and went through their verification process, the information Equifax used was not relevant to me. Since the information was not relevant to me, I was unable to access the online Dispute Center. Please make sure they are mixing my information up with my uncle that has the same name ( his middle name has the same initial but, is different from mine ) as I do. My uncle, XXXX XXXX XXXX, age XXXX, lives on XXXX XXXX XXXX, XXXX, Massachusetts. XXXX.
Product: Payday loan, title loan, or personal loan

I applied for the loan for the 1st time on XX/XX/2019 for an emergency dental appointment. I applied online for {$100.00}.

On XX/XX/19, there was a message saying that I need to provide more information. I signed the application for the second time. Still on hold.

This morning I logged into my account and it is still processing. 
I had successfully repaid my loan last week without difficulty.
Product: Debt collection

ARS Account Resolution has reported a collection account to my consumer credit file. Account Resolution HAS NOT SENT any written notice of collection to me at all. If ARS Account Resolution has the right to collect in accordance with the FDCPA This is a request for FULL validation of this account. This includes ALL CONTRACTUAL DOCUMENTS stating and proving that I am responsible for this account and that I agreed to and authorized the alleged debt in question to become collectable by ARS Account Resolution which has reported to my consumer credit file. ARS Account Resolution has no legal right to attempt to collect this alleged debt. ARS needs to validate the address that they have on file as Account Resolution HAS NOT SENT any written notice of collection to me at all
Product: Checking or savings account

I send a commission check to my XXXX XXXX XXXX but the check was returned by fifth third bank due to non sufficient fund on XX/XX/2022. Therefore, my realtor notified me and asked me to send another cashier check, which i did on XX/XX/2022. 

However, i noted my first check was cashed by XXXX on XX/XX/2022, in addition, {$25.00} fee is also posted to my checking account. I called XXXX and my realtor, XXXX mentioned that fifth third bank send them to collect the return check. But my realtor was not aware of this, which is the reason to ask me to send another check. 

The issue is when i asked for the refund of {$25.00} XXXX XXXX XXXXXXXX and fifth third bank won't discuss with me as i am not their client, even though the money was deducted from my checking account. 

I am filing the complaint for the issues below : XXXX. During XXXX firth third announced to eliminate the XXXX starting from XX/XX/2022. However, i was still charged for the fee through a XXXX party ( below is their announcement on the website ). 

Fifth Third Bank , National Association, announced that effective XX/XX/XXXX it will eliminate non-sufficient fund ( XXXX ) fees for all consumer accounts. Fifth Thirds elimination of all XXXX fees is the Banks most recent step to reduce punitive fees and focus on the best outcomes for customers. 

2. Neither my realtor ( client of fifth third bank ) or me ( the issuer of the check ) was informed that the returned check was sent to a XXXX-party collector with fee included. Therefore, I had to purchase a cashier check per my realtor 's request. 

Therefore, I would like to be refunded for the {$25.00} NSF fee and compensated for the cost and time to get the replacement check for my realtor, as neither of us knows the first check will be cleared and collected. 

Thanks! 
XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The negative rating on my account is a major source of concern. Its potential impact on my credit is deeply troubling. This issue has already led to a loan application being rejected and higher interest rates on my current credit accounts. I can not overstate the financial hardship and emotional strain this unfavorable rating has caused and will continue to cause until resolved.
Product: Credit card or prepaid card

When I altray fist got my wells fargo active cash card we me and my husband has documentation that there would be no charges on both cards for 18 months. we both had cash advances option that was stated we would be charge fee for cash advance. i have had credit cards for over 12 years and i understand how they work but this company waits until i make the monthly payment and then go back and add money 2 my balance every month. First question is why isnt it included in the monthly payment. you cant keep adding money 2 my balance once i pay it down the 2 thing my husband got a cash advance also but they don't charge him extra fees. and the point i making is you pay for a cash advance when you get the cash and i only got 2 they charge me then the only thing they can do after that is charge intrest on cash and that should be included in my monthly payment. the second thing is i had card for 8 months than all sudden they started adding money on the account every month after i have made the payment we original got cards in XXXXXXXX XXXX XXXX just had them a year. no intrest on purchases for 18 months both cards. and i have several credit cards and this is only card they do this on. i saying its fraud. And i want this looked into
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't know what companies are involved. This could possibly be from the Experian data breach. I received a letter from the IRS alerting me of an Employment related Identity Theft Notice. They believe another person used my SSN to obtain employment. They sent me the notice to make me aware of the incident so i can take appropriate steps to protect myself from any potential effects of identity theft. They placed a marker on my tax account to identify that i may have been a victim of identity theft. I was referred to your site by XXXX instructing me to submit a complaint. I have also submitted a complaint to the FTC. All of my accounts have been flagged. I would appreciate any further information you can provide. 

Thank You, XXXX XXXX
Product: Mortgage

This problem is with AAG on a reverse Morgage. Up on closing we had agreed on XXXX $ cash payment with another XXXX $ after one year. upon closing only XXXX $ was transferred into checking account. upon their investigation they found that the problem was on their end. The paper work was changed at last minute. they keep telling me that they know and will resolve the issue but it has been going on from XXXX. the last two months I can not get anyone with them to return my phone calls.
Product: Credit card or prepaid card

I went to make a withdrawal from my account on XX/XX/2019 and found that I could not. I was under the impression that the ATM was not in working condition because this particular machine has issues periodically. The following day, XX/XX/2019, I attempted to make a purchase and my transaction was declined prompting me to call AMEX. The balance was not accurate and so I requested to hear the transactions. Upon listening, I find that there has been a purchase made that I do not recognize and request to speak to an agent to get more information about the charge. I speak with the agent, find out that the person used my information in a totally different state and am then put through to the fraud department where I file a dispute about the charge. I can't remember the exact length of time that I was told by the agent that it would take for the investigation, but a replacement card would be mailed out in 7-10 days. I was advised by the agent to go online in order to view a statement so that I could see more transactions. When I did that, I found two more purchases and called AMEX customer service again so that those charges could be disputed. I was again put through to their fraud department, but this time was told that the charge had not actually gone through yet ( funds had been removed from my balance and put on hold ) and I would have to wait until the charges went through in order to dispute the charges. I wait until the following week, either XX/XX/XXXX or XX/XX/XXXX and no card so I call in and am advised that they won't be sending a replacement until XX/XX/2019. I waited patiently thinking/hoping that my replacement would not take 29 days to be issued. On XX/XX/XXXX, I call in and speak to at least three different agents before I have to ask for a supervisor who informs me that the first agents that I spoke with on XX/XX/XXXX and their fraud department never followed up with my dispute. The billing department closed the case and never gave the information to the fraud department. By this time, the second fraudulent charge has now been processed and paid out. I was told that the dispute has now finally been filed and a replacement card will be mailed out. I don't have any faith that this will happen at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am attaching a letter of explanation on several issues with accounts, XXXX to be exact. One account I was never late on. Three accounts that are labled charge off with balances still owed and I know that is not accurate. I never recieved a 1099 for those so how can a balance be owed. Also an account that is not mine I have no idea why it is on my credit I have rights and want these items to be deleted.
Product: Credit reporting or other personal consumer reports

There are several inaccuracies on my consumer report that i would like removed all names and variations of any names should not be present on my credit report under the name section I would only XXXX XXXXpresent on my consumer report. no other names. There are several non mailable addresses that I can never be reached at on my consumer report that i would like removed. only the address XXXX XXXX XXXX, MI XXXX should be present on my account Accounts XXXX XXXX Have the derogatory remarks that i want removed pursuant the laws that protect me the consumer found in 15 U.S. Code 1681a remarks : - '' Payment Status Charge-off '' - 30 days late XX/XX/XXXX, XXXX, XXXX. XXXX, XXXX - 60 days late XX/XX/XXXX - 90 days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Hard Inquiry Per 15 USC 1681 Permissible Purposes, I want this hard inquiry removed from my consumer report XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting a collection account onto my consumer report that is identifiable by the following information On XXXX XXXX this account is listed as XXXX XXXX # XXXX Placed for collection : XX/XX/XXXX Balance : {$430.00} Date Updated : XX/XX/XXXX Original Amount : {$430.00} Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ( Banking ) Past Due : XXXX XXXX XXXX Account Type : Open Account Individual Account Open Account XXXX XXXX On XXXX this account is listed as XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX, Balance {$430.00} Balance updated XXXX XXXX, XXXX Original balance {$430.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Debt Buyer Status Collection account. {$430.00} past due as of XXXX XXXX. Status updated XX/XX/XXXX On XXXX its reported as XXXX XXXX XXXX Opened XXXX XXXX, XXXX ( 4 yrs, 5 mos ) Account status Open Type No Info Responsibility Individual Account. Remarks Consumer disputes after resolution Collection account Original Creditor Name No Info according to the FCRA, Section 623, It is not lawful for a collection account to be reported in the status of Open if this account is being reported as a collection this account should be is closed. This account must be removed based on the false and misleading reporting stats of reported as an open account. As a consumer based on 29 CFR 500.6 - Accuracy of information, statements and data & 28 CFR 20.37 - Responsibility for accuracy, completeness, currency, And integrity.i am asking that this inaccurate information be removed Immediately
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: Credit reporting or other personal consumer reports

Over the course of ten minutes I was called from the same phone from XXXX, CA XXXX twice on my home phone and twice on my cell phone. After holding for over 30 seconds after a person answered for someone else to come on the phone, they claimed they were from Experian and wanted to ask me about a supposed credit card application I submitted in XXXX Texas. When I asked for details they talked in circles and said they were trying to protect me by not approving the application, but when I said it was fraudulent and not to approve it they wanted more of my information. I tried contacting Experian directly, but they won't take emails and won't connect you to a person without you giving them your SSN. This is absurd and absolutely pitiful customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked equifax site for security breach and it stated that identity might have been impacted. I checked the site today X/X/2017.
Product: Debt collection

Calls and voicemails started in XX/XX/XXXX from " XXXX XXXX '', a mediation service who said they were trying to mediate payment on a debt from XXXX from a company I didn't recognize but apparently was also named Barclays, which I did have back in XXXX. First and foremost, I filed bankruptcy in XX/XX/XXXX and named Barclays and the most recent debt collector, XXXX XXXX XXXX on behalf of XXXX XXXX ( another debt collector ) as creditors and sent notification was sent. Also, the debt is beyond the statute of limitations on any company being able to take action such as filing suit against me. The last communication I received from XXXX XXXX XXXX, followed the law, and stated as much at the bottom of the letter. Those identifying themselves from XXXX XXXX call from different numbers, the latest being XXXX. This latest XXXX hung up on me when I told her it was illegal for anyone to take legal action as the debt was time barred and because the original creditor and the last name debt collector had been notified of bankruptcy. If documents are needed, I can provide the last letter received from XXXX XXXX and a case number from bankruptcy. Not sure how I could get the voicemails upload with the phone numbers from their calls.
Product: Debt collection

Today, I called CBE group about a bill I had in collections. I explained that I never received notice, through no fault of my own, and had paid the debt ( by way of returning a router to XXXX ) as soon as I learned of it while checking my credit score online with XXXX. 

They said there's nothing they could do for me despite agreeing that it was not my fault that I never got notice from either XXXX or CBE. I have never missed a payment and until this event had " very good '' credit.