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

I had {$16.00} in my bank XX/XX/2020, I made 2 charges of {$4.00} and {$11.00} which was pending on my account. Pnc bank charged me an overdraft fee of {$36.00} before the 2 payments posted to my account which my account was not negative and wouldnt have been if they wouldnt have charged me the fee for no reason, so them charging me the {$36.00} when I only had {$16.00} it made my account over drawn. Then they charged me 2 over draft fees the same day XX/XX/2020 for the 2 items that should have been covered and still positive. So the day of XX/XX/2020 they charged my account 4 over draft fees of {$36.00} each. First one was a mistake that caused me to go negative, then the next 2 for the 2 purchases I made before they made my account negative, then the 4th I have no clue why. I did have a bill that came out thru XXXX for {$200.00}, which I knew it would be an overdraft and an accidently purchase {$25.00}, I made which i accept those 2 fees. On XX/XX/2020 they charged me 3 and then on XX/XX/2020 they charged me another one. So in total the bank charged me 8 over draft fees for 2 items that I knew would cause those all because they charged me an over draft fee when my account was still positive. I spoke with the 1800 number for the bank XX/XX/2020 and they filed a complaint. then I went to the bank in XXXX Indiana to speak with an accountant and she bluntly told me after I showed her my bank print out and explained what happened, I do see what happened and I understand, but since I filed a complaint over the phone it was out of her hands at the branch. But she said what she is looking at they wont do anything or even cal me back about the matter and she was sorry for the trouble. She would not explain why they would not fix their mistakes or any kind of explanation. I was with her for probably 15 mins till she said have a nice day. I have not heard from the complaint department and when I call they say I have to wait to hear from them. I tried to have my HR dept put a stop on my paycheck I get this friday XX/XX/2020 till it got fixed and I switch banks but the paycheck has already been sent for processing. My account is now {$520.00} negative, I have to pay rent, daycare, and gas for work. They refuse to even reverse them till the matter is fixed. They refuse to do anything even tho they said they understand and see what happened because I had 2 reversed at the beginning of the year. I have had issues with over draft charges being placed on my account before and because I had no purchases come out that day they reversed them immediately before I even knew and with them charging them in the past at random and causing issues similar to this but not has severe. Instead of them reversing their mistake and it being on them they counted it against me on forgiveness overdraft fees that I'm allowed each year. I am switching banks as soon as this gets fixed and I have also filed a complaint with the Pnc head quarters along with the XXXX. I am at a loss on what to do cause no I have late fees for rent cause I can not pay and I am having to find assistance to get XXXX  gifts for my XXXX  young daughters.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AR, XXXX XXXX XXXX XX/XX/XXXX Charge-off Dispute for Account XXXX I am writing to formally dispute the charge-off status of my account, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX AR, XXXX XXXX XXXX XX/XX/XXXX Charge-off Dispute for Account XXXX I am writing to formally dispute the charge-off status of my account, XXXXXXXX XXXX XXXX XXXX XXXX, which is currently listed on my credit report. I believe this entry is inaccurate and would like to request a thorough investigation into this matter. Details of the Account : - Account Holder Name : XXXX - Account Number : XXXX - Creditor Name : XXXX XXXX XXXX XXXX  Date of Charge-off : XX/XX/XXXX- I request that you verify the accuracy of this charge-off with the creditor. If you find that the information is inaccurate, I ask that you correct or remove this entry from my credit report as required under the Fair Credit Reporting Act. Please find attached copies of relevant documents, including [ list any documents, such as payment records, correspondence, etc. ], to support my dispute. I appreciate your prompt attention to this matter and look forward to your response within the 30-day investigation period as stipulated by the Fair Credit Reporting Act. Thank you for your assistance. 
Sincerely, XXXX XXXX
Product: Debt collection

Southwest Credit Systems is falsely reporting a collection on my credit report. They have refused to provide proof of a legibly contract with my signature and correct identification. This is a direct violation of my FCRA and FDCPA laws. They are not authorized or bonded to practice collection practices in the state of Illinois. They are illegally trying to collect a debt that does not belong to me.

I never asked for a printout copy of a bill. I never asked for billing statements. They are unable to provide an original contract with my direct signature agreeing to finance terms Direct with Southwest Credit Systems L.P. only!
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : 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 EXPERIAN XXXX XXXX XXXX EXPERIAN 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: Credit reporting, credit repair services, or other personal consumer reports

I have paid off an old account on my credit report XXXX XXXX. I have sent in documentation from the company to the credit bureau showing that I have paid it off. The credit bureau is showing the account as a charge off when it is not a charge and have it down as a negative item on my report
Product: Debt collection

There is a company called AWA Collections. They have been continuing to harass me in regards to a bill that I do not owe from XXXX XXXX. When I went to XXXX XXXX  I had insurance and I also had XXXX XXXX to pay for anything that my plan did not cover fully. I contacted them and asked them to validate which they did not. They continue to make these false reports on my coedit report and I want them to remove it immediately. That is not the worst part. The harassment is one thing, and not validating the debt in another thing but the thing that most concerns me is the fact that they are charging me interest on the debt on a monthly basis. Every month I get a notice from XXXX XXXX saying the balance on the account has gone up. There is no way possible I owe XXXX XXXX anything and they way they keep increasing the amount of this so called debt on a monthly basis is unlawful and so is not validation the debt and making false reports.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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, Ive noticed unauthorized inquiries on my report OR someone applied for something in my name. AND Fair Credit Reporting Act ( FRCA ) requires all unverified and unauthorized items must be removed from my credit report.
Product: Checking or savings account

Nearly a month after closing the account BMO Harris sent a cashiers check to me. I tried to cash this check at two locations that deal with cashing checks. Both of these places said the check could not be verified even after calling BMOHarris. 
I then tried to deposit this online to my bank they replied that they could not cash this check and that I should check with the person that issued the check. 
BMOHarris people have not called me back and I have called at least three different people. I was told Id be called back within an hour and that never happened. 
Once I wrote on the back of the check that it was for electronic deposit to my bank, no other check-cashing service will touch this check now.
Product: Credit reporting or other personal consumer reports

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : 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: Credit reporting or other personal consumer reports

Good evening I am writing to express my deep frustration and disappointment regarding an ongoing issue with a collection entry on my credit report, which has been persistently extended by XXXX XXXX XXXX. 
For the past decade, I have diligently monitored this collections entry, expecting its removal as it reached the end of its reporting period. However, to my dismay, every six months as it approaches the anticipated removal date, XXXX XXXX XXXX extends its duration by another six months. This cycle has persisted for the last two years, leaving me in a state of frustration and financial distress. 
Despite the collection 's tenure of ten years, XXXX XXXX XXXX has continuously thwarted its removal, impeding my ability to achieve financial stability and access favorable credit opportunities. Moreover, despite my efforts to rectify this issue with the credit reporting agencies, all have regrettably refused to remove the collection entry from my report. Its as if they do not have a digital imprint of the date changes. 
This prolonged and unjustified retention of the collections entry on my credit report not only tarnishes my creditworthiness but also undermines my trust in XXXX XXXX XXXX 's commitment to fair and transparent business practices. 
I urge you to promptly investigate this matter and take immediate steps to rectify the situation by ensuring the accurate and timely removal of the collections entry from my credit report. Im not sure I understand why all three reporting agencies seem to not have a digital imprint as to this unjust practice. 
I appreciate your urgent attention to this matter and expect a swift resolution. Please contact me at your earliest convenience to discuss further steps and provide updates on the progress made in resolving this issue. 
Thank you.
Product: Debt collection

I first Contacted this company XX/XX/2018 to validate the debt. i received a letter back dated XX/XX/2018 that this company will obtain the requested documents and if it cant be done in a timely manner they will cease any further collections. as of XX/XX/2018 which has been over 30 business days and the proper validation has yet been received.
Product: Credit reporting or other personal consumer reports

Dear LexisNexis, I am writing to follow up on a previous dispute regarding a bankruptcy item listed on my credit report, under reference # XXXX. In your response, you stated that the item was verified as accurate, claiming that the information had been confirmed with the court. I have since contacted the court directly, and their response, which I have enclosed, clearly states that they do not report any information to credit agencies, including your bureau. 

As such, I am formally requesting the immediate deletion of this item from my credit report to ensure compliance with federal law. Please provide me with documentation supporting your verification of this bankruptcy with the court, as you claimed, within the legally required XXXX period. Failure to do so will leave me no choice but to escalate this matter by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing any additional legal remedies available to me. Please confirm receipt of this letter and take the appropriate action promptly
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I entered my XXXX XXXX XXXX application and notice that my funds have gone down by just about {$3000.00}. I go to check my activity and it shows that there has been two recent transactions, one for the amount of {$1900.00} and the second one for the amount of {$990.00}, both of these transactions carried out by Western Union. The next thing I do is Log in to my western union account and as soon as I do that and check on my recent transfers, I notice a third transfer was in progress for another {$1000.00}. Luckily I stopped that last transaction but I couldn't cancel the two earlier transactions totaling to {$3000.00}. 
First thing I do is check where the money is going, it shows XXXX and the money is being sent to two different names. At this point I knew my account was hacked or my information to my account was leaked because I never in my life sent money to XXXX and I don't know any of the names the money was sent to. the names weren't saved on my account. I immediately called Western Union to report my problem and my account was closed immediately. i was told that there will be an investigation but its most likely that my money will not get refunded because it seems that I logged into my account and made the transaction myself. Plus they also told me that there is no sign of a hack or any other entry into my account. I explained clearly that I have no relatives in XXXX and that I never send such a big amount. They still told me its most likely that I will not get my money back. I proceeded to call my bank and report that transaction as unauthorized. A few days later I was told by my bank that this kind of problem has to be Solved and Refunded by Western Union because my money was taken out by Western Union. I was then referred to call Consumer Financial to help solve this problem and hopefully get a refund.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S. Code 1681 and 15 US Code 1666 B ), I have the right to dispute information that I believe to be inaccurate, incomplete, or unverifiable. I believe that this late payment entry is incorrect and should be investigated and removed from my credit report. 

The details of the dispute item are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  = date open XX/XX/year> Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter over 45 days ago. According to the FCRA, I'm aware that you have 30 days to investigate and respond to my dispute.You must remove the inaccurate information on my credit report immediately. I reattempted to contact you with a follow up letter but there was still no response.
Product: Credit reporting or other personal consumer reports

There are inaccurate reporting on my credit report, which I believe is misleading and misrepresents the nature of the debt in question. The entry reported as a missed payments is, in fact, a cancellation of debt that has been processed with the IRS. I have received a Certificate of Indebtness from the creditor, confirming that the debt has been officially canceled. As per IRS guidelines, this cancellation of debt is considered taxable income, not an unpaid debt. According to the Fair Credit Reporting Act ( FCRA ), only accurate and complete information should be reported on a consumer 's credit report. Since this represents a cancellation of debt and not an outstanding obligation, it should not be classified as a closed. Reporting it as such is inaccurate and has lead to mis information to potential creditors about my creditworthiness. i received from the company a 1099c canceled debt. i have also opt out with the companies as well in written, unwritten, verbal, and nonverbal authorizations they have been opted out. The Credit bureaus have been Violating the Fair Credit Reporting Act ( FCRA ) definition of accuracy under Section 1681e ( b ) requires a focus on objectively and readily verifiable information, which may require consumer reporting agencies to accurately report information derived from the readily verifiable and straightforward application of law to facts.
Product: Credit card or prepaid card

Klarna is a credit card company assisting retailers. They provide credit cards to customers so customers can purchase from retailer. 

XX/XX/XXXX - Retailer issued credit to my fully paid Klarna card on prior purchase. 
XXXX - Nothing happened. 
XXXX - I contacted Klarna to ask for refund. Only communication option was a " chat ''. Chat rep advised the refund was " applied today ''. Impossible for a refund to take a month to apply, so I'm immediately questioning truthfulness. The rep told me I would be refunded in " 1-7 business days '' XX/XX/XXXX - No refund. I go to chat again. The rep tells me the need to " connect you with our finance department '' Then the chat goes dead and no more response. Then I can't connect to chat anymore, like I'm cut off. I advised I'm filing with CFPB. Waiting to hear back and this is me filing complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate Information reported to Credit Bureau. 

To whom this may concern, this is the XXXX time in a matter of months that my auto loan with this lender has reported an inaccurate balance and increase to the credit bureau. The first inaccurate report was corrected in a few days however, this second inaccurate report is now becoming frustrating. I am in the middle of purchasing a home and this incorrect information is becoming a burden to deal with. It makes being a consumer for this lender completely undesirable. Can someone please get back to me immediately with a response and a quick solution for rectifying this incorrect information once again immediately please. For the past XXXX years I have never had a problem with this lender. For the past XXXX months, this issue has been completely ridiculous. I have attached the information that I need corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : - ; 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 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: Credit reporting or other personal consumer reports

I discovered identity theft on my credit report ; XXXX, Equifax, and XXXX shared my info without consent, violating 15 U.S.C. 1681. The Fair Credit Reporting Act ( FCRA ) protects consumer rights, breached in my case. I kindly ask that you urgently remove inaccuracies per Section 612 in 15 U.S. Code 1681 and send a no-cost updated report to my address. I have included my identity theft report ( which details each listing in dispute ), my social security card, IDs ( drivers license and passport ), and statement- as requested to prove my identity to validate my claims and requests. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion Makes you jump through hoops to " fix '' said issue but website doesnt work correctly, customer service says just use the website and supervisior says same thing completly unhelpful for an error on their end.
Product: Debt collection

I reached out to them on XX/XX/18 about incorrectly reported information via certified mail the information was received on XX/XX/18. It is now XX/XX/18 and I have not heard back from the company. The FCRA gives the company 30 days to respond. I have not gotten a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a XXXX in XXXX of XXXX and XXXX continues to report that I owe the entire balance of {$960.00} as of XX/XX/XXXX. Below is the letter that I faxed on XX/XX/XXXX ( XXXX ) to XXXX 's XXXX XXXX XXXX. 

XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Good afternoon, I am writing regarding my XXXX XXXX ( XXXX ) account, I was given a cancellation of debt, form XXXX which states that the creditor ( XXXX XXXX XXXX XXXX XXXX has XXXX this debt and no action is required. 

I am also aware that the amount in question has already been filed as income under my XXXX taxes, therefore I have already settled the balance in full. 

I called on XX/XX/XXXX and spoke with XXXX and she informed me that since a XXXX was issued that there is no option to make a payment on this account, but that she would notate my account. 

I called on XX/XX/XXXX to investigate further, and XXXX gave me the exact information that XXXX gave me, this debt has been cancelled and since the XXXX was issued in XXXX, I settled this debt via my tax return. 

I am in the process of purchasing a home and this account is impacting my credit score, it shows that I have been carrying this balance for the last year, but that cant be possible since I was issued a XXXX. I need to have the account balance updated to {$0.00}, or I need this account to show as settled in full, or I need this account completely removed from all three ( Equifax, XXXX, XXXX ) credit accounts. 

Once the account has been updated to {$0.00}, settled in full, or removed, I am requesting that someone contact me via email ( XXXX ) no later than Friday, XX/XX/XXXX. 

Thank you for your prompt assistance regarding this matter.