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

Recently, I was able to sell my late Mothers Home. After the sale, I was left with {$7700.00}. I went to deposit the check at Commerce Bank to pay off my credit card and close the account. I deposited the check and was told I would have to wait seven days to access the funds due to multiple overdrafts on the account. I have overdraft protection on my account, and when the account goes negative ( usually due to bank fees since I only use the account to pay on the credit card ), the overdraft protection will deposit money into the account. I dont understand why I am being punished for overdrafting the account while I have overdraft protection. 
Additionally, when the credit card deposits funds into the account, I pay a fee for the cash advance, too. It seems overly aggressive, and I wanted to make the CFPB aware of Commerce Banks treatment of its customers. There have also been times when Commerce Bank was the cause of the overdrafts. On XX/XX/2022, Commerces system prevented pending deposits and only allowed scheduled debts to be taken out. This caused my account to go negative due to the bank system error.
Product: Debt collection

I did not initiate these accounts, and I believe they are fraudulent. I request that you investigate and remove them from my credit report. I have provided supporting documents to substantiate my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit inquiries that I dont recognized tried to get proof from credit companies and still on my reports XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

We've talked to the bank & they've agreed to update the accounts. BUT TransUnion has some internal block which they're claiming they can use to not update the accounts because they feel they're above the law. When questioned why they're not accepting the Dispute Letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Di ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$750.00}, XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with
a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX XXXX ....
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX reporting late payment and I requested information for experian and they have failed to provide the information which is a violation of 1681 for inaccurate information. I have disputed on XX/XX/XXXX and XX/XX/XXXX after getting a updated on the report with no validation letter.
Product: Credit reporting or other personal consumer reports

I have been trying to access my Transunion credit report for the past month and havent been able to. It is illegal to withhold my personal information from me in my credit file and I want access immediately! They have told me that some files merged with mines or whatever that means I just want access to my credit report I have been waiting for weeks with no outcome
Product: Credit reporting or other personal consumer reports

unfortunately i am a victim of XXXX XXXX of Debt XXXX. i have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after i supply proof of who i am as well as a victim determination letter according to 1022.124 ( B ) ( 6 )
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, has violated my rights. 

15 USC 1681 section 602 A. States I have the right to privacy! 5 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 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 USC 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
Product: Credit reporting or other personal consumer reports

Filed a dispute with all credit bureau and supplied information that a account was fraudulent, account had been removed from all credit bureau, but transunion they have been notified by the creditor that the information was fraudulent and removed but they refuse to update my credit report the, they told me I had to wait 30 days but the 30 days are the time in which the creditor has to respond, I spoke with the creditor and he has notified all the credit bureau and I have received notice from XXXX and XXXX XXXX XXXXXXXX that it has been removed but transunion refused to update although they have the information which has caused me homelessness due to them refusing to update my account and having me be denied to to inaccurate information.
Product: Debt collection

American medical collection agency licensed expired and they are not able to collect a debt from me
Product: Mortgage

I have put in a dispute with XXXX, but nothing became of it. I am looking for some one to help us with American Servicing Company XXXX mortgage. Our payments were close to {$2300.00} a month, my husband lost is job with XXXX. Went through a Lawyer firm we paid {$2900.00} and after a month and a half said they could not do any thing for us, We lost that money. We are dealing with XXXX XXXX who is doing their best getting our interest rate down and lowing our payments to what we can afford. We have not paid a mortgage payment since XX/XX/XXXX. Husband is XXXX XXXX with our son, giving him XXXX % of the pay checks. He dose not work he dose not get paid, just like this XXXX Holiday. I 'm working making XXXX biweekly working for XXXX My credit went from over XXXX + to XXXX, even with Preferred Law working to help us paying them {$650.00} a month for 6 months. Please look into this for us we really need someone to get down to the bottom off this and find someone who is willing to work with us until we can get back on our feet and be able to pay a mortgage payment. We are really struggling.
Product: Debt collection

XX/XX/XXXX I called TD Auto finance to pay my monthly truck lease. When I called their number ( XXXX ) the telephone prompts sent me to another department which notified me through phone message that they were closed. My calls started at XXXX XXXX central standard time. Eventually, I pressed XXXX to get to a customer service operator. The agent informed me that I was 90 days past due. There was a draft issue with my account so payments did not draft in XXXX. The agent sent to a collections agent which advised me of my options. I made a one-time payment of {$1100.00} on Friday, XX/XX/XXXX. I also made and additional scheduled payment of {$370.00} to be drafted from my account on XX/XX/XXXX. The collections agent told me that the Repossession order was canceled on my vehicle. The entire collection of phone calls lasted until XXXX XXXX XX/XX/XXXX. The next morning my vehicle was repossessed. When I called the customer service department, they told me that nothing could be done until Monday ( XX/XX/XXXX ). They also could not inform me of where my vehicle was located in order for me to retrieve my personal items. My work items were located in the vehicle. Currently, I have not reported to my job in 3 days. Monday morning ( XX/XX/XXXX ) I started calling the collections department at XXXX XXXX  and the a resolution was reached at XXXX XXXX that same day. The collections agent after putting me on a 20-minute hold stated that she confirmed with her supervisor and determined that my vehicle was wrongfully repossessed. She apologized and stated that a new worker made a mistake and did not cancel the repossession. She stated that my truck would be released and that I would not have to pay fees. When I tried to retrieve my vehicle the tower informed me that the yard closes at XXXX XXXX and that I owed a {$370.00} storage fee. I will miss the fourth day of work and I will have to pay {$370.00} dollars to retrieve my vehicle.
Product: Consumer Loan

My son was XXXX and I informed the company that he was deceased and the family did not want the vehicle and that the vehicle was totaled. I also informed them that they can get whatever information that they wanted concerning the vehicle from the XXXX Police Dept. I am not a co-signer or guarantor or anything on his loan. My son had no insurance at the time of the accident and has no estate because he did not have anything I have asked them not to call me anymore. They are calling my cell phone while I am at work 3 and 4 times a day not to mention the number of times that they call my house. The company name is Credit Acceptance and there are several numbers that they call from one of the numbers is XXXX.
Product: Prepaid card

10 years ago I had a Bluebird card which I used for a short while then stopped using it. In XXXX I became concerned with having an open and dormant card. I contacted Bluebird in XX/XX/XXXX, at which time they verbally communicated that the account was terminated. After this time I stopped receiving monthly statement notifications in my email. A short time later I shredded my card. 

XX/XX/XXXX To my surprise I started receiving monthly statements again. I called them around this time and asked them to close my account but XXXX was unhelpful and I didn't have time to resolve at that time. 

XX/XX/XXXX I called again to try to close my account. They asked for last 4 ssn, DOB, email, and also the following information which I do not have any longer : user id, card number, card number and card # pin. They did not ask me for nor were they interested in my physical address. They said that the information I provided did not match an account on file. 

I am concerned because I still have bank account information associated with the account and I don't want the account just active and dormant. It seems that the PII should be sufficient to close an account, and I shouldn't need to have the original username and physical card to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXO 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.

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 any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three credit agencies are refusing to clean and remove old accounts and derogatory comments from my credit reports and scores as required by law
Product: Vehicle loan or lease

I Have previously opened a complaint about XXXX XXXX XXXX XXXX, my complaint was not resolved, they are flat out lying on the documents they provided to this company. For starters i have not been on a phone call with anyone agreeing to such an outrageous loan. As stated in previous complaint we paid down XXXX  bucks and the bike wen down to under XXXX, then in the documents it went back up after the down payment to over XXXX. Thats insane. We did not agree on such a loan.. This is a lie. We have been taken advantage of, this is totally unfair and wrong! The attachment below is a down right lie, we agreed on XXXX, this document is a forgery and a lie. XXXX continues to place late payments on our credit report because we have not paid the last payment due to the fact that this contract they sent to your company is a lie.. If we are forced to give this case to our lawyer we will, and sue this company for defamation of character and falsifying documents. This is ridiculous. We will go to XXXX XXXX and put ACA out there to the public so people will know they are lying and falsifying documents. This needs to be handled ASAP
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 cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting

I have a XXXX prepaid plan that I opened before traveling abroad. There is a {$27.00} collection fee being reported by XXXX, but my only XXXX account was closed and paid in full.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX LAST XXXX OF SSN # XXXX XX/XX/2024 XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Information on Credit Report Dear Credit Agency, I am XXXX XXXX XXXX and I am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

Violation # 1 XXXX XXXX XXXX XXXX HARD INQUIRY XXXX XXXX XXXX XXXX  According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion.

Based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation.

Enclosed are copies of documents supporting my claim for your review.

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.
Product: Debt collection

I closed my XXXX 's account in XX/XX/2012 after returning faulty bedding, XXXX 's drivers abandoned said bedding on sidewalk in front of my XXXX apartment, which is illegal in XXXX, and I had to pay {$500.00} to immediately have removed by a third party so that my landlord and myself would not be ticketed and fined. I contacted XXXX 's corporate numerous times as they stated bedding was not returned initially and double charged me. XXXX 's corporate stated they would refund me and credit my account an additional {$500.00} for my cost to haul away bedding, which their drivers were supposed to do. I paid off my account and XXXX 's then changed from XXXX to XXXX to XXXX and now XXXX XXXX XXXX as well as being bought out by XXXX XXXX, now a collections company is stating I owe {$2400.00}. 

I would like to see itemized bills and receipts showing all purchases, all returns, the credit for the returns as well as the {$500.00} credit to reimburse me for removal of bedding from outside my apartment building, as well as all fees charged and all interest charged. I require itemized bills with my signature and all receipts and refunds separately and itemized.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit card bank provides me my credit score which information is provided to it by Transunion. When I check my credit score the website says the credit score is impacted by two problems : serious delinquency and too few accounts as paid. Neither statement is correct. I have complained about this misinformation to Transunion on at least two occasions, but while they respond by sending me my credit report - which shows no serious delinquencies, or late payments - and that the information complained about has been updated, and they send me info on the credit card payments - about which I have never complained - the information reported to my credit card bank remains inaccurate. my transunion file no is File number XXXX.
Product: Credit card

Dispute Chase case # XXXX XXXX - Chase XXXXXXXX Chase XX/XX/XXXX Letter going to Chase Corp XXXX XXXX XXXX Chase Residual Interest Charges After I paid my Bill in Full! !!! 

Pulling teeth to get support banged me each month w late fees XXXX XX/XX/XXXX {$28.00} interest charges extortive and unjustified Acct paid for 20 days 0 balance {$4300.00} on XXXX XXXXXXXX XXXX XXXX Int charges {$390.00} {$77.00}. XX/XX/XXXX {$76.00} XX/XX/XXXX {$69.00}. XX/XX/XXXX {$72.00}. XX/XX/XXXX {$73.00}. XX/XX/XXXX
Product: Debt collection

There has been harassing calls and e-mails about collecting a debt. Weve been homeless since the year XXXX, the Covid-19 pandemic was critical. Weve been staying in rooms, with associates or family members. This is a fraud near Invalid property lease dated from XXXX as dated on there negligent emails. Im following up with this complaint and balance of fraud and doesnt pertain to me to clarify and confirm this claim! 

Original Balance : {$10000.00} Current Principal : {$10000.00} Interest Due : {$600.00} Total Due : {$11000.00} ORIGINAL CREDITOR : XXXX PLACED FOR COLLECTIONS ON : XX/XX/XXXX XXXX XXXX Genesis understands you claim the alleged debt is the result of fraudulent activity.
Product: Debt collection

CREDIT COLL has been reporting a collection on my account in the amount of {$190.00} The collection has been reported as a past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. I hope your day is going well, but I need your help. I noticed the following issues with this account on my credit report. I did not authorize nor know anything bout this account listed. These are fraudalent accounts. i know my rights. this is stopping my life please remove them immediatley .You have 30 days. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 615 ( f )
Product: Mortgage

My loan was recently transferred from XXXX to XXXX to owcen to now nationstar mortgage. I have had the loan for 8 years. In that time I have had an escrow that paid my insurance and taxes. I have paid {$400.00} per month and it has covered the payment, insurance, and taxes. Now that nationstar has my account since XXXX of this year, my insurance and taxes are not only behind but my insurance was canceled and I was not allowed to renew. I have called nation star several times and got no help. Sometimes I call and they say I do n't have an escrow account, other times they say I have over {$1000.00} in escrow but my insurance company needs to send an affidavit. Once they told me they put in a work order to release my escrow but I would have to pay the past due balance out of pocket. I called once and they said my account was set up without escrow and I have to pay everything on my own. I am not sure what is going on. All I know is I 'm paying money and no one will tell me where it 's going or my escrow information. I should know where my funds are being held, the account number, and how much comes and goes in the account. Instead I keep getting transfered between the escrow, customer service, and insurance department. When I request to speak with a supervisor I 'm told that they are on break. They say they will follow up with my request but I do n't get any response. I need to know what they are doing with the funds in my escrow account and I want my taxes and insurance paid