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

Due to a system outage from Capital One, I have been unable to receive my paycheck in my account ( my company verified I was paid Friday, XX/XX/year> ) and bills have not been coming out of my account since Thursday. I am unsure if my account is overdrawn but I need access to my paycheck. No resolution or timeframe by the company has been provided. In addition, I am missing out on accrued interest as my paycheck has not been deposited to my account.
Product: Credit reporting or other personal consumer reports

To whom this may concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

15 USC 1681e ( b ) Compliance and Procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) certified the accuracy and completeness of the information/accounts. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of verifiable proof, you must DELETE the accounts listed below. 
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 Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.

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

I noticed that this company has been reporting inaccurate items on my credit report that are negatively impacting me. I reached out to these companies over 60 days ago and still haven't gotten my issues resolved nor have I even got a response. I attached the letters and documentation to verify my identity for confirmation
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm filing this complaint because this creditor has ignored my request to provide me with the documents their company has filed that were used to verify the accounts I disputed. They have also gone past the 30-day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete all information which can't be verified. '' I have disputed. Please resolve this manner as soon as possible. Not only is the company reporting wrong information, but the accounts are also in FCRA violations. I've even provided factual proof to the company reporting many accounts. I hope we can solve this, as it hurts my overall credit willingness. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, Original Creditor, Original Creditor, Original Creditor, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXXXXXX    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

On XX/XX/2021 at approximately XXXX, I made my monthly payment of {$580.00}. At the time of my payment, my account was 29 days past due. Once my payment was processed, XXXX listed my date as XX/XX/2021 on my confirmation receipt. They used this deceptive tactic and incorrect date in order to place a " 30 days '' late on my and the co-signer 's credit report files with XXXX, TransUnion, and XXXX. 

This incorrect information caused BOTH credit scores to drop drastically and has had a NEGAVTIVE impacts our credit reports.
Product: Debt collection

Focus Receivables Management has been calling me every day for the past 8 months. When i answer half the time i get either a rude response and then they hang up, or they just hang up as soon as i answer. No matter what time i have called them back when they leave voicemails it never goes through or always goes to voicemail. I 'm to the point of worry every time the phone rings at this point, It 's harassment at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

In a accordance with the fair credit reporting act XXXX  accounts listed below has violated my rights 15 U.S.A 1681 section 602 A states I have the right privacy.

15 U.S.A 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 1692 section 805 A section 3 states as the consumers place of employment if the dept collection knows or has reason to know that the consumers employer prohibited the consumer from receiving such communication 15 U.S.C 1692 section 805 A states dept collector may not communicate with a consumer in connection with the collection in any dept at any unusual time or place known to be inconvenient to the consumer 15 U.S.C 1692 section 806 section 5 causing a telephone to ring or engage any person in telephone conversation repeatedly or continually with intent to annoy, abuse or harass any person at the called number 15 U.S.C 166b A creditor may not treat a payment on a credit card account under and open end consumer credit line as late for any reason XXXXXXXX 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 Department of education XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to express my concern regarding Zelle Handling of disputes.dispite Using Zelle numerous times & reporting Discrepancies my financial institution & Zelle Failed to investigate my claims adequately.
Product: Checking or savings account

In early XXXX, I ran into some financial trouble because my PNC bank account did not update on mobile banking over XXXX XXXX. This overdrew my account on the following Tuesday and because I was out of town and not working at the time, I had to wait 2 weeks for a paycheck to bring my account back to balance. I accrued over a XXXX dollars in overdraft and NSF fees and have records to prove this. I called PNC multiple times and asked of anything could be done to stop this with zero help. I was transferred to a supervisor department after the 1st employees claimed they could not reverse any of the fees as the system would not let them. The phone rang once and I got an automated message that said no one was available and the call automatically ended. Never called back. Accepting that they would not budge to work with me or help me at all, I paid the fees and brought my account back to positive and moved on. 

Fast forward to today. The company I work for has decided to switch to biweekly pay instead of weekly. These past 2 weeks on one weeks pay have been awful and stressful. However, we managed to make it to Thursday XX/XX/19 without overdrawing. My account was negative XXXX dollars on Thursday XX/XX/19. When I woke up on Friday XX/XX/19 my account was negative XXXX because of a few small transactions that went through and XXXX dollars in overdraft fees 3 XXXX  dollar charges each. So, my paycheck finally hit the account for XXXX dollars on Friday XX/XX/19. Then at XXXX on Saturday XX/XX/19 I was charged 3 more XXXX dollar overdraft fees after my paycheck had already hit the account. Because my paycheck has gone through I did not expect this. I have so many bills coming out this week from having to wait 2 weeks to get paid, that I can not afford XXXX dollars in overdraft fees. This is my whole grocery budget for the next 2 weeks until I get paid again and I literally have no food in my apartment. I called again today XX/XX/19 asking for assistance in this especially because my paycheck had hit and there is no reason for the fees to be met with no help again and told I should use tips to avoid overdrafting. Enough is enough of this. Ive paid so much in overdraft fees that I can't afford to live. All I want was the 3 most recent overdraft fees refunded to me so I can afford groceries so I don't starve without over drafting again and having the same thing happen while I wait another 2 weeks to get paid. I have exhausted all options to avoid this. I have overdraft protection on my account. I have alerts sent to me when my account drops below XXXX dollars. The way PNC does their business makes it impossible to avoid this because it happens over night while you are sleeping and then to offer no solution to a good, 6 year customer is frustrating and disheartening.
Product: Credit reporting, credit repair services, or other personal consumer reports

I dont know where to start with this complaint and Im hoping you can help me. I have filed disputes with credit bureaus and I still havent got any response from them. What do I have to do to get an response from them? I thought they had 30 days to reply to my disputes and it has been over 30 days.
Product: Credit reporting or other personal consumer reports

Good afternoon, this is my 4th time trying to get this issue resolved. I am a victim of identity theft. I have been contacted numerous times about a debt that isn't mine. As instructed by a financial advisor i am reporting these incorrect accounts to be removed. " XXXX XXXX '' opened on XX/XX/XXXX and reports a {$1200.00} balance. " XXXX XXXX '' opened on XX/XX/XXXX and reports {$2000.00} balance. I submitted a Identity theft Report as seen below. PLEASE NOTE : " DATE FRAUD BEGAN '' and " DATE DISCOVERED '' have been switched after submitting report. I tried to have this fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX  are reporting incorrectly a charge-off in the amount of {$910.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I purchased the vehicle on XXXX. ( Please see copy of the Vehicle Invoice. ) In addition, on the same day I purchased the vehicle, I also purchased GAP Insurance. ( Please see GAP ADDENDUM attached. ) I was involved in an accident that resulted in the vehicle being deemed a total loss. XXXX XXXX XXXX XXXX XXXX ( Letter attached dated XXXX ) has broken down the coverage of the vehicle as follows : Original Amount Financed XXXX GAP Contractual Maximum XXXX Contractual Payoff XXXX Minus Adjustment/Warranty XXXX Minus Net GAP XXXX Minus Primary XXXX Minus Misc Adj XXXX Total GAP Settlement XXXX TOTAL OWED XXXX The GAP Addendum clearly shows there was coverage and any remaining balance due was paid. Consequently, the charge-off being reported is false and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Product: Mortgage

I have been speaking with one of my mortgage company representatives and shes basically just giving me the runaround concerning my amortization schedule I have been clearly righting to her concerning my amortization schedule but the representative is giving me all these mixup emails concerning something opposite of what I am directly writing to her about this matter at hand Is concerning me deeply that a mortgage company will have Representatives to act in a manner that they are.
Product: Credit reporting, credit repair services, or other personal consumer reports

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Inquiries that are being challenged XXXXXXXX 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: Mortgage

Cit Bank Mortgage # XXXX The above loan was modified as of XX/XX/2017. My problem is the trial payments of {$2100.00} XXXX I paid from XX/XX/2017 to XX/XX/2017 was not properly allocated in to my account. When ever I calls they are giving me a run around and not properly giving the correct explanations. 

We want help in this matter. 

Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York! XXXX. 

Tele # XXXX XXXX XXXX
Product: Credit card

I currently have {$380.00} available in cash back to redeem but customer service is not allowing me to redeem it saying since they closed my credit account ( without my knowledge ) they will forfeit the rewards. This forfeiture is extremely unjust in my opinion because : 1. I provided all documentation they requested and they are all valid. Front and Back of Driver 's License, Front and Back of Social Security card and Two different utility bills to verify my current address, I have used these documents numerous times for identity verification. They still closed my account and did not provide me any grace period to redeem the {$380.00} rewards.

2. They never reached out to me by email or phone- asking me a question or for explanation, clarification regarding my use of Credit. They completed the review without giving me any opportunity for a mutual understanding.

3. I've been very proactive with my reaching out to them. I called Account Protection just because my card was not working and after speaking with a helpful agent I emailed the documents as soon as I got off the phone. A few days later, I even called to follow up on review.

4. Overall I feel my account was not only closed without any clear understanding or due diligence but I believe it is even more wrong not giving me the rewards I earned. I hope you will try to somewhat correct the situation in recognition of my efforts and all great communication I have with your CSRs over time.
Product: Money transfer, virtual currency, or money service

I had loaned XXXX XXXX a few XXXX dollars and he had in writing he would pay me back and pay me with interest. I never saw a XXXX returned. Not to long after he received all the money the communication fell off til there was none. Im XXXX so a few XXXX is a lot of money to essentially steal off someone. XXXX XXXX was absolutely no help whatsoever. XXXX and Huntington ( my bank ) also couldnt help. 

XX/XX/2022 {$340.00} XX/XX/2022 {$1100.00} XX/XX/2022 {$300.00} XX/XX/2022 {$210.00} XX/XX/2022 {$200.00} XXXX x XX/XX/2022 {$5.00} & {$5.00} XX/XX/2022 {$200.00} XXXX x XX/XX/2022 {$150.00}, {$55.00}, {$200.00} XX/XX/2022 {$670.00} XX/XX/2022 {$120.00} PLUS interest as written. 
Total with interest comes to {$6100.00}.
Product: Debt collection

on XX/XX/XXXX contacted Penn Credit Corp and spoke with employee # XXXX about the debt information I received and disputed that the documentation sent with the photos was not visible or clear proving I owe the debt. I stated to the employee # XXXX  that I want to continue to dispute this debt being the photos they sent me in fact is not proving I owe the debt because they are not clear or readable of my license plate for my vehicle’sEmployee #XXXX  wanted to argue with me and speak over me while talking and said they are mine and he can read the license plate numbers. I again said in the conversation it’s not legible or readable and that it’s not the front of my vehicle and the amounts are not making sense being I do not use the Tolls. This employee demanded that I was refusing to pay the debt and not accepting my dispute and was trying to hang up on me and not listen to my dispute request as allowed under FDCPA. Then this employee said he would just document that I was refusing to pay the amount owed. My FDCPA rights have been violated and I want this documented for the record. This conversation with this employee was monitored by another employee of mine at the time of the conversation on XX/XX/2019 about XXXX. Also, this same debt has been disputed since early XX/XX/2019 by certified mail. I also have had several other phone conversations with this office that I'm willing to write written testimony on with dates and times when we get to that point. Please see my attached pictures that are not readable. Also the amounts are not broken down into where, when, time, or accurate dates and amounts of the toll charges.
Product: Credit reporting

My credit was pulled without knowledge on XXXX XXXX and XXXX. XXXX made XXXX unauthorized inquiries on my credit report. Equifax gave me the following address : XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX. I tried contacting the company and was unsuccessful. I called XXXX XXXX business licensing. They do n't have a record of this company. I am in the process of closing on a home and got denied because of the above inquiries. I am trying to get the inquiries removed ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm submitting a complaint to you today to inform you that I was a victim of identity theft. I search on how to remove the fraudulent accounts in my report and found that I need to visit FEDEDAL TRADR COMMISSION or https : //ww.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to removed /block any accounts listed o. ID theft report. Please find the attached documents to assist in the blocking of the erroneous information which is being posted yo my report. 

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

NAMES : XXXX XXXX XXXX, XXXX XXXX XXXX : ADDRESSES : XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX ACCOUNTS XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$280.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2300.00} XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$13000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4500.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX, Balance Owed : {$0.00}, XXXX  XXXX Date XXXX XXXX XX/XX/XXXX Balance Owed : {$440.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I wrote to your company on XX/XX/XXXX and all though your response on XX/XX/XXXX was partially correct there are accounts that are appearing on the report still that need to be removed. 
please remove these following accounts if they have not been removed. 
1. ALL HARD inquiries XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXX {$1900.00} XXXX. XXXXXXXX XXXX XXXX  {$5200.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  I have given over 60 days and DEMAND THRE MATTER ADDRESSED ASAP with compensation for my damages. 
Subject : **Immediate Removal of Fraudulent Accounts from Credit Report** I am writing to demand the immediate removal of all fraudulent accounts appearing on my credit report. Under both state and federal laws, these erroneous listings are unlawful and constitute a violation of my rights. I have provided IRS Form 1099-C and 1099-A documents, which confirm the IRS has recognized and discharged these debts, eliminating any basis for the debts to be reported. Please note the following applicable legal standards : 1. **Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681** This law requires that credit reporting agencies maintain only accurate and verifiable information. Reporting a discharged debt, especially after official IRS confirmation, is considered a breach of the FCRA, and any failure to remove this erroneous data will constitute a willful violation of this statute. 2. **Truth in Lending Act ( TILA ) 15 U.S.C. 1601** The TILA mandates that lenders provide clear evidence of debt obligation, which must include a signed promissory note or security instrument. There is no signed instrument demanding payment or security instrument by me, XXXX XXXX, to validate these debts.
Product: Credit card or prepaid card

I recently received a second settlement check from American express. This check was the result of a lawsuit they lost for deceptive practices. The check they most recently issued to me bounced. I then incurred bank fees for the dishonored check. I called American express they claim that they have no record of my prior gold card and that they never sent the check. I am still in possession of the check. 
Check number XXXX drawn on XXXX XXXX, XXXX NY. American express XXXX XXXX XXXX # XXXX, XXXX NY XXXX printed on the check.? routing XXXX XXXX? account XXXX {$37.00}. I am seeking the {$37.00} plus {$15.00} for the bank fee charged to my account. Reason code was refer to maker. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute the collection account listed on my consumer report, which is associated with XXXX XXXX XXXX. The information regarding this account is inaccurate and I have no recollection of ever doing business with this collection agency or signing any agreement with them. 
According to the Fair Credit Reporting Act ( FCRA ), it is unlawful to report inaccurate information on a consumer 's credit report. As such, I request an immediate investigation into this matter and the deletion of the account from my consumer report. 
Here are the details of the account in question : -Collection Agency : XXXX  XXXX XXXX XXXX Balance : {$250.00} - 0 % paid off - Date Opened : XX/XX/2023 - Account Number : XXXX I have no record of any business dealings with the mentioned collection agency. As such, this account is in violation of the FCRA and should be removed from my consumer report without delay. 
I kindly request that the Consumer Financial Protection Bureau investigate this matter and take the necessary actions to ensure the accuracy of my consumer report.