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

I went into the branch of Truist Bank located on XXXX XXXX XXXX XXXX, XXXX XXXX, FL on XX/XX/year> at XXXX. I asked a banker to help me with two wire transfers. The banker confirmed that my account had sufficient funds. The banker then informed me that wire transfers were not allowed from my account. He said he could enable it, but it would take until Monday to be ready. He told me that I could get two cashier 's checks today as an alternative solution. I went to the teller and asked for the two cashier checks. The teller took don my information and asked me to wait. at XXXX the teller informed me that I could not get the checks, because the back office could not approve them until Monday. I told the teller that i was going to file a complaint, and the teller acknowledged this. I left the bank, unable to withdraw my funds, at XXXX. I called customer service and was on hold from XXXX to XXXX, when the bank closed. I still do not have my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XX/XX/year> XXXX, Transunion, XXXX Subject : Dispute of Late Payment Report Request for Correction Dear Sir/Madam, I am writing to formally dispute the accuracy of a late payment entry on my credit report. The specific entry in question is under the account [ Account Name # XXXX ], reported by [ XXXX XXXX XXXX ]. According to my records, the information is incorrect, and I am requesting an immediate correction. 

**Legal Basis for Dispute : ** 1. **15 USC 1681 ( a ) ( 1 ) ** : This section mandates that credit reporting agencies ensure the accuracy and fairness of the information contained in consumer reports. The erroneous late payment entry on my report is neither accurate nor fair.

2. **15 USC 1681 ( a ) ( 2 ) ** : This section emphasizes the need for the reporting system to be fair and equitable . Reporting an incorrect late payment undermines the fairness and equity intended by this law.

3. **15 USC 1681 ( a ) ( 3 ) ** : It is required that consumer credit reports are to be used in a manner that is appropriate and just. An incorrect late payment mark is an inappropriate and unjust use of my credit information.

4. **15 USC 1681 ( a ) ( 4 ) ** : The section outlines the importance of maintaining the confidentiality, accuracy, relevancy, and proper utilization of credit information. The current late payment entry fails to meet these standards, particularly in terms of accuracy and relevancy.

5. **15 USC 1681 a ( d ) ( 2 ) ( A ) ** : This provision excludes certain types of consumer information from being reported if they do not meet the criteria for accuracy and completeness. Given that the reported late payment is inaccurate, it should be excluded from my report.

6. **15 USC 1681 a ( d ) ( 2 ) ( A ) ( iii ) ** : The code specifies that information must be reported with maximum possible accuracy. As this late payment entry is erroneous, it fails to meet this criterion and must be corrected.

**Requested Action : ** In light of these regulations, I request that [ XXXX, Transunion XXXX XXXX XXXX investigate and correct this error promptly. I have attached relevant documentation ( e.g., payment receipts, correspondence with the creditor ) to support my claim. 

Please provide written confirmation of your receipt of this letter and an update on the status of my dispute within the time frame mandated by the Fair Credit Reporting Act. 

Thank you for your immediate attention to this matter. Should you require further information, please do not hesitate to contact me. 

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

In contempt of multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, Section 605b, within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. With this, I am asking for you immediate assistance to remove the items that result from alleged Identity Theft. These are the following fraudulent items : XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX, XXXX ; XXXX XXXX, XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ; XXXX XXXX XXXX Balance {$68000.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX : Bankruptcy Reference Number XXXX Date Filed XXXX XXXX, XXXX ; XXXX XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Opened XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance ; {$68000.00} ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending the third complaint about the erroneous information you continuously report on my credit file. For the final time I am disputing all the accounts listed as fraudulent accounts. I am unaware of the accounts. I have been a victim of identity theft in the pass and it seem as if this is a case of identity theft. I know it well to often and I shouldnt suffer any longer for someone elses wrong doing. I would like to dispute the accounts as an internal dispute and an affidavit. Removed the accounts from my credit report immediately and permanently within 72 hours or else I will be seeking a lawsuit on your company for violating my rights and seeking {$10000.00} for damages, hospital bills & distress. This is a serious matter. 
XXXX XXXX, XXXX, XXXX/ XXXX , XXXX XXXX. You can contact me at XXXX or my email for any questions. Also please be sure to list this address and remove every other address, numbers or information that is erroneous from my account within 72 hours.

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

this is in regards to an HSBC credit card account # ending XXXX i called them early XX/XX/2018 to pay off my balance. After being transfered multiple times i was transferred to the collection department only to be told no one could take my payment and gave me # XXXX to call and pay. i called that # only to be told they did not have the account. On XX/XX/2018 I called HSBC again transferred multiple times again to be told they cant take my payment and to call XXXX XXXXXXXX XXXX. I calld XXXX XXXX XXXX and paid them in full on XX/XX/2018. They did not give me a receipt. but did say it would update to a paid in full within 30 days. That never happened. Now as of today HSBC is reporting a " chargeoff '' to the bureaus reflecting a derrogatory on my credit costing me my home loan. I want this rectified as I do not have long and want to leave a clean slate for my family. This is horrible that my credit report reflects payments on time at 100 % for this company who I have tried to work with and pay since the summer.!!! This is unacceptable and demand this be removed from my credit file.
Product: Credit reporting or other personal consumer reports

Subject : Request for Reinvestigation and Detailed Description of Verification Methods Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the handling of my credit report dispute by credit agency. Despite my efforts to resolve inaccuracies on my credit report, I have encountered several issues that I believe warrant further investigation by the CFPB. 
Background : On [ XX/XX/year>2024 ], I submitted a dispute to regarding inaccurate information on my credit report. The items in question were not properly verified, yet the agency concluded that the information was accurate. I am concerned about the thoroughness and accuracy of their reinvestigation process. 
Details of the Complaint : 1. Inadequate Verification Process : Despite my detailed dispute, the credit reporting agency failed to verify the accuracy of the disputed information adequately. The verification process seems to lack transparency and thoroughness, which raises concerns about its compliance with the Fair Credit Reporting Act ( FCRA ).

2. Lack of Detailed Verification Methods : I requested a detailed description of the verification methods used by the credit reporting agency, including the specific procedures, sources consulted, documentation reviewed, and criteria for validation. However, this information has not been provided, despite multiple requests.

3. Timeline of Investigation : There is a lack of clarity on the timeline of the investigation, including key dates and actions taken during the process. This lack of transparency hinders my ability to understand how the investigation was conducted and whether it adhered to FCRA requirements.
Product: Debt collection

Service on XXXX. Was transferred from XXXX XXXX XXXX XXXX Michigan to XXXX XXXX XXXX in XXXX Michigan. Received a bill from ambulance  provider I called them to notify them that after contacting XXXX  the bill was to be paid through the hospital. I have not heard nothing from either party until I checked my credit score to find out the EMT  company opened some credit card on XXXX without notifying me the situation hasnt been resolved. Now the M & M credit company put it into collections. Ive never received nothing from any parties involved
Product: Credit reporting or other personal consumer reports

I have sent over multiple mailed request for Experian to furnish proof of all information reporting on my credit report. They have failed to do so. The accounts listed below do not belong to me and need to be removed. 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 an account without my written instructions. Delete these invalid accounts immediately, unless you want to be held {$1000.00} per violation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Integrated Services, contacted me at my home and on my personal cell phone about a debt owed by a family member. After telling them to longer call me at these numbers and that I have no business with them, they continue to call. They are calling from XXXX XXXX.
Product: Money transfer, virtual currency, or money service

On Sat. XXXX. XXXX I attempted a XXXX transfer to my son XXXX XXXX for {$1000.00} and it " indicated failed ''. XXXX said probably because it was an old Ph XXXX 
On the following day Sunday XXXX. XXXX I saw {$1000.00}. less in my account. XXXX said he did not receive it. 
I did not receive any notification from Chase Bank the transfer was made. On XXXX XXXXXXXX. XXXX I went into the bank and the teller said it was " pending '' likely would be returned to my account. I requested to cancel and she said she could not do that. 
Later in the day I saw online it said " delivered ''. I called customer service. Referred to claims and they said they would investigate. It was SENT TO SOMEONE ELSE that had acquired his old ph XXXX. Not even the same name. However I have a screenshot that says to be delievered on XXXX. XXXX! And the name XXXX appears under XXXX 's. Registered as XXXX. What is this? So it could have been canceled. I sent a request to have it returned to me, but no reply and it has expired. No answer as why no warning on safety to send money to ONLY a phone #. Who would know? I called every few days and got nowhere. Nothing in writing. Not even on my account page that there was a claim submitted. No warnings to use an email address instead of a phone XXXX. I think it is negligence the bank would do this. I am XXXX XXXX XXXX and I trusted my bank of 30 years to protect my money. I want it returned.
Product: Credit reporting or other personal consumer reports

army and air force exchange service military STAR card, a US government military credit card, refuses to accurately and timely report my proper on time payments to the credit bureaus, especially XXXX. this is a violation of the law and FCRA. I have made massive payments on my military STAR card through army and air force exchange service and you are XXXX  my credit report and score because of your neglect and incompetence, and keeping my score so artificially low I cant obtain an apartment or a credit card or a mortgage. I am a XXXX XXXX  and and person, STOP THIS IMMEDIATELY ( NOT THIRTY DAYS FROM NOW ) and immediately report my proper amounts payments and balances to all three credit bureaus especially XXXX. AAFES STAR CARD hasn't reported my on time payments and lower balance to XXXX credit bureau since XX/XX/XXXX. They just quit and stopped reporting for no reason. I have made FOUR on time payments to military star of XXXX $ from XX/XX/XXXX to XX/XX/XXXX, which AAFES STAR card refuses to report properly on time every month. PLEASE STOP PENCIL WHIPPING THIS REQUEST AND LYING TO THE CFPB, AAFES HAS NOT RESOLVED THIS MATTER DESPITE MULTIPLE COMPLAINTS, OR BE SUED- AAFES refuses to correct or update the credit report and instead says to email them, and they then refuse to do anything over the telephone and or email when requested. I am reporting AAFES to XXXX XXXX XXXX of XXXX  and having him making a complaint to the director of army and air force exchange service in this matter. **** XXXX XXXX XXXX DO NOT FILE A DISPUTE IN THIS MATTER I HAVE ALREADY FILED A DISPUTE AS OF XX/XX/XXXX. CONTACT AAFES MILITARY STAR AND GET ME AN ANSWER WHY AAFES MILITARY STAR NO LONGER REPORTS TO XXXX CREDIT BUREAU.
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of 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. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM ********
Product: Credit card or prepaid card

On XX/XX/2022, my wife and I purchased a ticket in error for the wrong airport after our flight had been cancelled. Within minutes, we called American Express as well as the airline to cancel the ticket. American Express advised that we allow the charge to go through and then dispute it, which I did. Once the charge had gone through, they refused to allow me to dispute the charge. I want the {$750.00} fully refunded, since I was materially prejudiced by American Expresss representations after I had relied on their assurances.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2017 I sent a Non-Negotiable NOTICE and DEMAND to XXXX. They never responded with my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

State of South Dakota is reporting I have a collection for XXXX XXXX I have disputed this account multiple times. Still remains. I dont have XXXX in South Dakota. I never been to court for XXXX XXXX   in South Dakota. I dont have any XXXX XXXX  orders.
Product: Debt collection

I'm still being mistakenly pursued for 3 years now for some XXXX   equipment that I returned. Looks like someone is making a fast buck reselling this erroneous debt again and again. Strange since I have a receipt showing I returned the equipment dated XX/XX/15 and the last debt collection agency chasing me ( XXXX XXXX ) found that the alleged debt is uncollectible. This month it's ERC of XXXX, PA that is hounding me. When will it stop?
Product: Credit reporting or other personal consumer reports

Under 15 US Code 1681 C-2, Block of Information, it states me as the CONSUMER deem any account inaccurate, that account needs to be BLOCKED and REMOVED within XXXX  days of dispute. XXXX XXXX ACCT # XXXX, This is an inaccurate account and needs to be DELETED from my credit report as soon as possible. 

I have supporting documents stating this COLLECTION WAS TRANSFERRED TO XXXX XXXX XXXX, AND XXXX XXXX  DELETED THIS COLLECTION OFF MY REPORT. HOWEVER, IT STILL SHOWS XXXX XXXX ON MY CREDIT REPORT. Section 604 15 US Code 1681 B states nothing should be reporting on my report without my written consent! This is another violation. I have attached documentation as from the fraudulent collection response STATING TO HAVE THIS DELETED!
Product: Payday loan, title loan, personal loan, or advance loan

XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Complaint Against Special Financing LLC for Unfair Collection Practices Dear CFPB, I am writing to request the Consumer Financial Protection Bureau 's intervention regarding unfair and deceptive collection practices by Special Financing LLC . This complaint is in relation to a financing agreement intended to fund services provided by XXXX XXXX XXXX, XXXX  ( XXXX  ), which were not delivered as promised. 

Despite discontinuing the ECU program in XX/XX/year> after completing only 40 % of it due to significant deficiencies in service delivery, Special Financing LLC is attempting to collect the full amount of {$15000.00} with interest. This demand is disproportionate given the actual services received and the initial agreement that only {$6000.00} was due until employment was secureda milestone that has not been reached due to the inadequacy of XXXX  's service. 

I have made eight payments totaling {$3600.00} to Special Financing LLC, and an initial payment of {$500.00} directly to ECU, bringing my total payments to {$4100.00}. These payments reflect my commitment based on the services I was led to expect. 

This discrepancy in the amounts being demanded raises serious concerns about the ethical and legal standards adhered to by Special Financing LLC. The practice of insisting on full payment for a service that was both inadequate and incomplete is unjust and potentially violates consumer protection laws. 

I respectfully request that the CFPB review this matter thoroughly. I urge you to ensure that the collection practices by Special Financing LLC are adjusted to reflect the actual services rendered by XXXX  and are in line with the financial agreement discussed at the onset of this contract. 

Enclosed are all relevant documents, including the financing agreement and correspondence with both XXXX  and Special Financing LLC, to support my claims. 

Thank you for your attention to this pressing issue. I look forward to your prompt and decisive action to help rectify this matter. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I have had a XXXX credit card with Comenity bank now under bread financial. I have been unable to use the card itself for 4 months. They state it is system issues. I was told to not pay on the balance until they get this fixed. They have not gotten this fixed and keep postponing when I can use my account. I no longer can do anything with this account other than pay the late fees which have accumulated. I have had a open credit limit on this account and the account has been in good standing up until their system issues. Due to their system issues this is impacting my credit and the use of their issued credit card. Any customer service representative just asks me if I want to close the account instead of proving a resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX - mailed certified letter asking them to remove XXXX XXXX from my credit report due to inaccuracies. Within the allotted 30 days, I received response that it has been verified. XX/XX/XXXX - Mailed Certified Letter requesting Method of Verification within 15 days per FCRA 611 ( a ) ( 7 ). 

As of today, XX/XX/XXXX, I have received no response to the verification request.
Product: Credit reporting or other personal consumer reports

The account was XXXX in XXXX, as I received a XXXX from the Internal Revenue Service XXXX I have contacted XXXX several times about removing the account from my credit report as the debt no longer belongs to me.
Product: Credit card

Opened up an account with XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, NY Purchased 2 carry on luggage bags.

Was immediately approved. 
Purchased luggage and 2 other items for a total of {$170.00}.

Card arrived roughly 10 days later. 
Tried activating the however I couldn't. 
Tried calling numerous times and was bounced around from dept to dept. 
Their customer service team is the worst of the worst. 
Turns out the reason why I couldn't activate the card was because it was already used internally by someone in their own office charging items even before my card was activated in the amount of {$140.00} in XXXX CA no less. We have not been to CA in 30 years and have XXXX intention of visiting in the future. 
Tried to resolve this numerous times. Have contacted compliance and the XXXX of XXXX XXXX - crickets. They just don't care. 
Demanded they close my account and they in turn hit us with a late fee even though we have proof payment was made many days before however they intentionally posted it late to shake us down for more money. 
Please help. These people are animals. I have spent many hours worrying about my credit and who has my information and when will it be compromised again. I have stellar credit and am worried about what the future holds in case I try to buy a car or home. Clearly, they don't care about it's customers.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : Equifax XXXX XXXX Date Opened : XX/XX/year> Balance Owed : {$15000.00} - Late/closed
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficifent funds when transactions were authorized. I was charged fees due to lagging posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal Credit Union for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions