23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXXXXXX XXXX Balance Owed : {$720.00} XXXX XXXX XXXX Balance Owed : {$4800.00} XXXX XXXX XXXX Balance Owed : {$1900.00} XXXX XXXX XXXX Balance Owed : {$2600.00} XXXX XXXX XXXX Balance Owed : {$4100.00} XXXX XXXX XXXX Balance Owed : {$3900.00} XXXX XXXX XXXX Balance Owed : {$5300.00} XXXX XXXX XXXX Balance Owed : {$4000.00} XXXX XXXX XXXX Balance Owed : {$4900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This specific account is in fact stated as a charged-off account, you need to identify why exactly there is a balance indicating on the file whether it is a charge-off? The balance is truly wrong, make sure to change it to zero or eliminate the item totally. Make sure you also furnish documentation to substantiate all the charges and credits for this supposed account that led to the extremely high credit figure you have detailed on my file. My request to present these documents is usually a standard information inquiry based on my privileges granted within the fair credit billing act.
Product: Checking or savings account

In XXXX I went into the bank to withdraw {$1200.00} from my business account that had roughly {$1400.00}. I used my debit card with the teller, punched in my pin and he gave me the {$1200.00}. A few hours later the teller calls me and says that I need to return the {$1200.00} since a charge went through and he can no longer put the transaction through. I told him I couldn't bring it back since it was used. The teller called again and I explained again that I couldn't bring the {$1200.00} back. He took the money from my personal account without my permission along with the funds from a joint account that I hold with my husband who's XXXX check gets deposited in. When I saw what happened to the accounts I called the bank back and spoke with the teller and he pretty much called me a thief for him not doing his job. He took it upon himself to steal money from me and my husband to cover himself. I was forced to cancel a sick appointment since I did not have the funds to pay for it. It wasn't until the next day that the funds were returned to the correct account. I have spoken with the bank and I don't think they are taking it very seriously. I am not sure if this is even the correct way to go about it. I do need some help in trying to get this figured out.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the fraudulent items from my credit report. These accounts that are listed on my credit profile are charges that I did not make. I attached a copy of my affidavit from the Federal Trade Commission. Please be advised that this is my third request, and the unverified items remain on my credit report. I have yet to receive a response from the bureaus which is required by law. Since I have not received any documentation, nor a response please delete the items as soon as possible. Failure to do so will result in legal action being taken against your company.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I was informed through XXXX XXXX which is who I use to check my credit report that someone checked my credit and a new inquiry was added to my Transunion and XXXX  report. I checked into my credit report and found it was indeed on there and it was a " hard inquiry ''. The inquiry was from XXXX XXXX XXXX  XXXX XXXX. The only address that came up is XXXX XXXX, XXXX XXXX XXXX, UT XXXX. Phone number is XXXX. I called this number and the automated voice wanted an account number or a FULL Social Security number. I tired to get customer service but was unable so I hung up. I did not give any SS #. I DID NOT give permission for this and have not even gone to apply for anything credit wise, so it must be that someone else has my information. I looked into what a hard inquiry is and found it stays on your credit report for two years. This scares me and I will now write a letter to those two credit bureaus and tell them it is an era, but wanted to report it to you also. Please help me make this right. 
Thank you
Product: Credit reporting

XXXX XXXX XXXX On XXXX the original creditor was discharged through Bankruptcy Court Chapter XXXX in 2012. I now receive harassing collection calls from XXXX XXXX XXXX for ( Acct # XXXX ) demanding payment, which was already discharged through the US Bankruptcy Court and is showing on my credit report as a charge off/ collection. This is inaccurate, false, and fraud and it needs to stop and be removed from my credit report. 
According to the attached Discharged BK file- collections for BK discharged debts is Prohibited.
Product: Debt collection

ATG Credit calls my office weekly for a person unknown to me XXXX XXXX XXXX - last name may be misspelled XXXX. It 's a disruption to my business. I spoken with a representative to advise them they are calling a wrong number. They were inconsiderate and continue to place these calls. I have records of the calls and saved voice mails.
Product: Student loan

More than ice I 've consolidated wit h Navient and s et up a payment plan with autodraftst from my bank. It 's never the price they say it would be and I felt with it but the worst part is every time I set it up they cancel it, stop autodrafting and call me back to make new plans. Sometimes as early as a month later. I 'm tired of dealing with them.
Product: Checking or savings account

I am trying to link my PNC Bank account to my XXXX Investing Account and it wont allow me to connect. An error message stating PNC wont allow links with XXXX.
Product: Credit reporting or other personal consumer reports

I am disputing the accuracy of specific items on my credit report, as detailed in my attached dispute letter and notarized affidavit. As a verified victim of the XXXX Data Breach, my personally identifiable information ( PII ) was compromised, leading to unauthorized accounts and inquiries on my credit file. Notably, the account " XXXX XXXX  XXXX ( Account Number : XXXX ) '' resulted from this breach. Reporting this account without my explicit consent violates the permissible purpose requirements under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b. Additionally, I am concerned about Experian 's dispute-handling practices, as highlighted in the recent Consumer Financial Protection Bureau ( CFPB ) lawsuit filed against Experian on XX/XX/year>. The CFPB alleges that Experian conducts inadequate investigations into consumer disputes, fails to convey all relevant dispute information to furnishers, relies on furnishers ' responses without proper review, and reinserts inaccurate information into consumer reports.
Product: Debt collection

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, TX XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio  of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious 1ST CRD SRVC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, TX XXXX
Product: Credit reporting or other personal consumer reports

purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.
Product: Consumer Loan

I discussed loan payment arrangements with Wells Fargo Auto Finance, and reached an agreement. On XXXX XXXX, I authorized a withdrawal of {$400.00} from my Wells Fargo Bank Account. The next withdrawal was authorized for XXXX XXXX. Instead, Wells Fargo Auto withdrew the second payment on XXXX XXXX. I filed a dispute, but Wells Fargo Bank refused to investigate, denied the dispute, and did not even contact me to discuss the dispute. 
The Wells Fargo Auto agent I spoke with, XXXX, agreed to the arrangements due to financial hardship based on medical and the recent Texas XXXX situation. 
It is my opinion that the money was withdrawn from my Wells Fargo bank account on XXXX XXXX because my paycheck was direct deposited on that date. The paycheck for the XXXX provides funds for my housenote and utilities. I had explained that to the Wells Fargo agent during our XXXX XXXX discussion ; that is why the agreement for the second payment was for XXXX XXXX. My account is now overdrawn by XXXX, and Wells Fargo refuses to address this issue or reverse the payment until XXXX XXXX. It seems to me they would rather repossess the car, after 8 years of payments, rather than wait XXXX week for the next payment.
Product: Checking or savings account

They should wave the {$300.00} they are charging me in which they created by charging and then reabsorbing credits after their negligence allowed my account to drop below XXXX. They should give me back my {$35.00} in overdraft protection money and close my account. They should also contact the Credit Union and explain that due to an error made on their part THEY made me fall further and further below balance, multiple times a month. 

I took multiple screenshots of my account then, which clearly showed that after I put {$50.00} dollars in the account, the deduction of {$100.00} was made and brought my account below balance. However now the account has been altered, making it look like I made many charges that brought the account below balance BEFORE the {$100.00}. I did not do that. Why would I do that? Why would I bring myself below balance? What could I possibly gain from going broke? And why didn't the overdraft protection PROTECT ME FROM OVERDRAFTING? 

I have been banking with BOA since I was 16 and have had over draft protection for years. In fact my overdraft protection has helped me in the recent past. Last year BOA started double charging me for my monthly fee and after months of me calling and no resolution to the issue I opened a new checking account with a new bank and notified my Loan and utilities of my new account and directed them to charge the new account. However my loan massed up and charged BOA after I had just deposited {$50.00}, I called both BOA and the Loan to check that week that they would NOT charge my BOA account. I also called BOA and instructed to not let any charges go through. I was horrified tp find out that not only did my loan charge my account but that the overdraft protection FAILED to stop the charge. I have been calling every week, I have placed a previous complaint with CFPB and I even got a lawyer to help. 1 day before the cut off date BOA sent a response to me and CFPB which turned out to be a directive, directing me to call a person in the resolution department. This person does not pick up my calls or my lawyers calls nor do the resound to emails or physical letters. Corporates has not responded to me or my lawyer. During this whole time BOA has been issue issuing Credit of {$15.00} and {$100.00} which they then reabsorb a few weeks later. They now report my debt to be {$300.00}. I have been calling and writing and making every possible step to resolve the issue. I have even called and asked them to please stop posting these credits. If the overdraft protection has been changed or is no longer provided I should have been notified but regardless, I notified my other bank from loan to NOT charge my account. I gave them all the information. I made sure there was money in my account. 
I will attach my document that shows dates and MUCH greater detail. I have tried so hard to speak to the " Resolution Specialist '' but I never get a call or any response. I want to close my account. This is a big betrayal of my customer loyalty.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account showing on my report with all 3 credit co., is XXXX  XXXX XXXX acting as a debt collector, the last payment was XX/XX/2014 that makes it over 7 years old, called all 3 companies and they have refused to remove the item, this is my right to have anything more than 7 years old to be deleted from the report.
Product: Checking or savings account

I was in the process of selling my car and transferring an estimated {$14000.00} via a wire transfer to a chase account number from XXXX  XXXX XXXX, an account that I have had for 10 years. However, I did not realize that my debit card had not been activated and I was locked out of my account, which I corrected quickly. However, I scheduled an external account transfer of the {$14000.00} to my chase account to send the wire transfer as the dealership was insistent on the payment. XXXX XXXX XXXX finally allowed me to send the money, but I forgot to cancel the transfer within my Chase account and I had a negative balance. Immediately, I scheduled a transfer of XXXX to my chase to correct the problem but it was too late and I have found myself with a closed account. I am traveling and called immediately to promise a payment of this weekend - XX/XX/XXXX.
Product: Credit card or prepaid card

This is in response to complaint XXXX and XXXX. This is now the third time I submitted a complaint through the CFPB regarding Citi and in both instances they claim they can not identify me in their response to the CFPB ( and therefore not submitting their response to the CFBP for review ) while simultaneously providing a response to me ( because they clearly were able to identify me because I submitted all the necessary information for them to be able to identify me ). This is clearly what Citi does intentionally to avoid the CFPB from reviewing Citi 's actions and failures regarding complaints and Citi must be held accountable for their shenanigans. Citi still has not resolved the issue and returned the {$400.00} to me for a charge that was not authorized by me. They must make this right.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Experian, XXXX, and XXXX on XX/XX/2022. It's been well over 30 days, I still haven't received anything back.

According to 15 USC 1681i ( a ) ( 1 ) ( A ) Experian, XXXX, XXXX  have 30 days to respond to my dispute.

This violation of my rights.
Product: Debt collection

Jefferson capital is trying to collect on an amount that is not true and accurate. XXXX reference number XXXX states the amount owed it XXXX but the account was charged off at {$2600.00}. and jcs # XXXX they say amount due is XXXX but the account was charged off at {$130.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX was hacked! I was possibly affected. I tried to enroll in protection program and was told to save the website and come back on or after XXXX XXXX. XXXX should have immediately enrolled every consumer affected or possibly affected and then contacted the consumer with the news and reassurance they were enrolled for a lifetime of credit monitoring!!!! The executives that cashed in before announcement and before stock tanked should be investigated and jailed!
Product: Credit card or prepaid card

I took advantage of balance transfer offers from Citibank. One balance was for .99 % a second was for 0 %. both charged a 3 % fee. My 0 % expired on XX/XX/XXXX. I purposely made a {$2100.00} payment which was supposed to be paid against the expiring account. I even called Citibank customer service before I made this payment to make sure it was to be applied against the expiring account and was told it would be applied that way. 

It was not. It was applied against the .99 % balance which is going to expire XX/XX/23. 

I contacted Citibank again and was informed it would be adjusted on my XXXX statement. It was not. I wrote Citibank about this issue and essential received a non response response. Now my XXXX statement reflects a {$2000.00} balance at 27.99 % and a {$1200.00} balance at .99 %. 

I'd appreciate any help you can provide. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I filed a complaint ( XXXX ) against XXXX for their inaccurate reporting on my credit report. I also made several calls regarding this as well. Last call XX/XX/XXXX because my balance is constantly changing causing my score to drop dramatically while I am trying to purchase a home for my kids and I. I have researched this and found that XXXX has been inaccurately reporting my loans since XX/XX/XXXX. I have late payments reporting XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. I have attached proof from the Federal student loans site and also the response from the last complaint that I was in forbearance. I have fought with the credit bureaus as well to have this information updated but XXXX keeps coming back saying that it is correct. This has harmed my reputation with obtaining credit for years and definitely is defamation of character. Since XXXX obviously can not handle accurate reporting I demand these accounts be deleted. 

Under the FCRA, consumers can sue for : Statutory damages of {$100.00} {$1000.00} per violation Actual damages for injury the consumer suffered Emotional damages for stress or physical ailments resulting from the ordeal Punitive damages to punish the violator for their actions
Product: Debt collection

Company is XXXX of XXXX, TN and Healthcare Revenue Recovery Group ( HRRG ) of XXXX, FLHRRG phone number is XXXX is with XXXX XXXX XXXX HospitalXXXX XXXX XXXX XXXX XXXXWhat Happened : I went to urgent care on XXXX/XXXX/XXXX and paid the {$20.00} co-pay required by my health insurance, XXXX, to XXXX XXXX XXXX Hospital XXXX. In XXXX, I received a notice from debt collection agencies XXXX of XXXX, TN and Healthcare Revenue XXXX Group ( HRRG ) of XXXX, FL saying that I owed {$20.00} as payment for the " physician 's fee. '' Prior to that time, the only invoice I received for the treatment was from XXXX XXXX XXXX Hospital where the urgent care is located. 

In several calls to XXXX and HRRG, I explained that I had already paid my co-pay and I 've been told repeatedly by the collections agents that " it does n't matter, you owe the money. '' They have refused to send me an invoice or any explanation of the need for the XXXX co-pay. 

I have checked with XXXX who 's confirmed that I owe only XXXX co-pay of {$20.00}. On XXXX/XXXX/XXXX, I sent a letter to HRRG explaining this, providing proof of my healthcare benefits ( and thus the co-pay ) and a copy of the payment made to XXXX XXXX XXXX Hospital. XXXX has said that this is an issue between the physician and the hospital and I conveyed that to XXXX and HRRG in my calls. 

On XXXX XXXX, XXXX, I received another notice from HRRG saying that I still owe the {$20.00} for physician 's services ; the letter did not acknowledge my letter of XXXX/XXXX/XXXX. When I called HRRG on XXXX/XXXX/XXXX the agent with whom I spoke again refused to send an invoice and could not clearly explain the need for me to make a payment to the physician. She was rude, interrupted me and when I asked about my letter, she simply said, " It does n't matter, you need to pay. '' No other explanation was given. 

If this is a real debt, there should be no hesitation in their providing copies of the invoice and a written explanation that responds to my letter. 


Resolution Requested : As resolution, I would like assistance with getting HRRG and XXXX to clear my debt and the record of my debt as I do n't believe I owe it. In addition, I would like for XXXX of those companies to stop contacting me about this debt. 

I would appreciate confirmation of your receipt of this communication. I 've sent under separate cover ( via fax ) copies of my letter to HRRG, my medical insurance benefits evidence and proof of payment of my co-pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit inquiry made on XX/XX/2020 from XXXX. Not my inquiry. I did not make this request seeking services or credit from this company. Social security on this inquiry is not mine. Credit inquiry made on XX/XX/2020 from XXXX XXXX. Not my inquiry. I did not make this request seeking services or credit from this company. Social security on this inquiry is not mine. Verified my social security number numerous times with Transunion and they have yet to remove these inquires. Thank you.
Product: Debt collection

I had XXXX XXXX  XX/XX/XXXX and went to XXXX XXXX XXXX XXXX I did not have insurance at the time but when i received the bill the hospital closed down so I did not know who to contact to set up arrangements to pay and I have not gotten any letters. My bill was {$5200.00} and now it is on my credit report. 

I had XXXX on my XXXX  on XX/XX/XXXX with XXXXXXXX XXXX XXXXXXXX XXXX XXXX I did have insurance at the time and paid all my fees and I moved to XXXX  the same year and out of nowhere I saw this bill for {$98.00} on my credit report which is not fair there was no contact from them or anything.