23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$53.00} XXXX )XXXX XXXX ( Date Opened : XXXX XXXX XXXX  Balance : {$4400.00} XXXX XXXX ), XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$1500.00} ), XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX ), XXXX XXXX ( Date Opened : XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX ), XXXX XXXX ( Date Opened :, Balance : {$550.00} XXXXXXXX XXXX XXXX XXXX XXXX ), XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$1300.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$4900.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Bank account or service

On XXXX/XXXX/2016, I deposited a third-party check into my checking account at Suntrust Bank and received cash back in the amount of {$350.00}. I countersigned the check. Myself and the individual whose name the check was originally made out to signed the check in the presence of a bank teller and also presented valid state-issued identification to the teller. At the time, my checking account balance was {$4.00}. On XXXX/XXXX/2016, I discovered that a 7-day hold had been placed on the check. This meant that I would not have access to the funds until XXXX/XXXX/2016. Had I been informed by the teller of this hold, I would not have deposited the check into my account. In addition to the hold, a maintenance fee of {$7.00}, which I have never paid during the entire time that I owned the account, was charged against my checking account. Because I had a beginning balance of {$4.00} and received cash back in the amount of {$350.00} at deposit of the {$4500.00} check, my account is presently at a negative of {$350.00}. 

Here is a breakdown of the transaction : {$4.00} ( beginning account balance ) - {$7.00} ( maintenance fee ) = $ XXXX $ XXXX ( negative balance following maintenance fee ) + {$350.00} ( cash back at deposit ) = $ XXXX As you can clearly see, I did nothing wrong in depositing a check into my checking account. The purpose of a personal checking account is avoiding fees associated with cashing a check where I do not bank. Suntrust Bank failed me on multiple levels including failure to disclose a maintenance fee. If it were not for the maintenance fee, my account would not have gone into negative status. As a result of the negative account balance, I will now incur a {$36.00} fee from the bank.
Product: Debt collection

In XXXX I attempted to pay this company some of my balance and I was told I couldnt do that. I paid the amount of {$860.00} and the clerk pocketed the payment and didnt report it. I would like this report off my credit report
Product: Payday loan, title loan, or personal loan

I have a problem with my credit report saying I'm {$360.00} past due when in fact I just paid {$480.00} to SST and am caught up with my past due account. I had reported a hardship to the company and it was ignored. My credit report is false and has taken my credit down XXXX points because of the inaccurate reporting.
Product: Payday loan

I took a loan from " Dash of Cash '' for {$700.00}. The monies were credited to my bank account on XX/XX/2016. 
To date, I have paid a total of {$1700.00} and per the Dash of Cash website I have an outstanding balance of {$570.00}, which means out of {$1700.00}, only {$120.00} has been applied to the principal amount. 
I have since realized that online/payday/tribal loans are illegal in the State of PA where I reside. And, any lender can not charge more than XXXX % interest. 
On this loan, that would be the Principal : {$700.00} plus XXXX % interest : {$42.00}. 
Based on XXXX law, I have overpaid by {$1000.00}.
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 : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} - Charge off XXXX XXXX Date Opened : XX/XX/XXXX Balance XXXX XXXX XXXXLate/closed DPT ED/XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXX XXXX-Late/Open
Product: Credit reporting, credit repair services, 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 this account ( A ). It is not permissible to fail to validate this reporting account 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 XXXX XXXX XXXX : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX in regards to my credit card that has a max limit of {$1600.00}. XXXX XXXX Reported to all credit bureaus that I had used {$2800.00} that dropped my credit XXXX points while I was trying to purchase a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX XXXX and Experian verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX XXXX, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.
Product: Checking or savings account

Around a year ago I had multiple XXXX transactions. I went to the bank and they said that the transactions were approved by my phone number and that it was done through my phone number which after that they said if I want to investigate that further I had to call customer service. when I called customer service they open the claim and they started looking into it. But after that, I had severe problems with online banking anything that would happen in my account, I will get kicked out or logged off. I wouldnt be able to reset my password. Any time I went inside of the branch there has been nothing they couldve done. They always say wait 24 hours and then I had multiple transactions that have been frozen as well as direct deposits and I did not know that until I asked at the branch what is my balance and it did not match up with the logic of how much money I have there because that certain point I gave up on trying to get back into my online banking. For the past month Ive been promised multiple times to get a meeting with the manager to figure out everything thats happening in my bank at this moment and multiple times I had cancellations and nothing has been done or resolved about this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying for 10 + years to fix I had a account with XXXX XXXX in XXXX and I got hurt at work, i am permanat XXXX should have been paid off they sold or transfer at least 8 times every time new one called I told them never hear from that one and then it was sold to someone else well on XXXX it was sold to XXXX XXXX and on credit they did says new open in XXXX and when I desuted it saying it tis from another nothing Equifax does dispute in my file shows open XXXX from XXXX same account the below says XXXX XXXX XXXX XXXX they bought this in XXXX from XXXX even says on report sold charged off and they being XXXX keeps trying to say no it open in XXXX this account is over 10 years old and they just ran my credit again this year This is the only account all my others when I got hurt did what I bought XXXX insurance never thinking I would ever use it and still they keep screwing me I have talk with my credit union about this in the collections department and they say they cant do that the account is from XXXX not new in XXXX I have copies of the results they just did and it shows it clearly How many years do I have to pay for getting hurt 10 + 20+?
I need the corrected and I do n't know what else but fight it over10 years old. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ca XXXX XXXX
Product: Checking or savings account

I hope this message finds you well. I am reaching out regarding a dispute for a {$330.00} XXXX XXXX XXXX transaction that I filed with Chase Bank. Initially, on XX/XX/year>, the amount was credited to my account. However, as of XX/XX/year>, I have been informed that the credit will be reversed since Chase does not handle disputes involving scams through platforms like XXXX XXXX. 

This situation has left me in a dire financial position, with less than {$100.00} in my account. To make matters worse, I am currently facing financial hardship due to the costs of XXXX XXXXt, which is already emotionally and financially overwhelming. Additionally, I was scammed out of another {$100.00} via XXXX by the same individual. 

I am pleading for your understanding and assistance to help rectify this situation. If possible, I kindly request that the {$330.00} amount not be removed from my account, as I am in urgent need of financial support. Being a victim of these scams has been extremely distressing, and any help you can provide would mean a great deal to me. 

Please let me know if there are any additional steps I can take or documentation I can provide to assist in resolving this matter. 

Thank you for your time and consideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

Applied a credit card for common use and travel reward through XXXX XXXX  to Barclays bank. Never received card, so complained but still could not get 2-3 months. But I got bill of {$69.00} for no reason just their fees. Call and closed account but balace still remain and kills my credit. After couple of tries, account has been closed but customer service can't help anything.
Product: Money transfer, virtual currency, or money service

I am fling 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 proce : 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 caused significant inconvenience and XXXX financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has been using my identity to receive medical treatment. There are 3 separate instances of these incidents that occurred in all 3 credit bureaus. I have contacted the credit bureaus in the past regarding these accounts. The accounts still remain. I have also filed a complaint with the FTC website in addition to the companies involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Respond  As a victim of identity theft  (meaning Identity theft is a crime in which an imposter obtains key pieces of personal information, such as Social Security or driver's license numbers, in order to impersonate someone else) I have provided  relevant information about my Identity Theft Report. FCRA § 605B(b), 15 U.S.C. § 1681c-2(b). Such notification by a CRA triggers two obligations for the furnisher. First, under FCRA section 623(a)(6)(A),you must not allowed  the furnisher may not continue to report that information to any CRA. FCRA § 623(a)(6)(A), 15 U.S.C. § 1681s- 2(a)(6)(A). Second, under FCRA section 615(f), it may not sell or transfer that debt to anyone else who would try to collect it. FCRA § 615(f), 15 U.S.C. § 1681m(f).As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. § 1681i, a copy of which is enclosed, I am requesting that the item(s) be removed  to correct the information. You have no way to ascertain the legitimacy of my action without investigating the items in question
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote a letter to the Collection company trying to get them to validate the debt and they did not respond I sent the letter certified with return receipt they did not reply but at the same time I disputed the item with the credit bureaus and they got a response it doesnt make any sense. The company is XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX based out of XXXX Georgia Address XXXX XXXX   XXXX XXXX XXXX, GA XXXX
Product: Checking or savings account

Wells Fargo will not give me back {$270.00} that XXXX charged from me. It was an unauthorized charge thats I did not make and they said that there is nothing they can do. It is fraud. XXXX is not helping either. It was in XX/XX/XXXX at XXXX Georgia XXXX.
Product: Mortgage

I was having some problems paying my mortgage due to my husband being in an auto accident & unable to work. My mortgage was through XXXX. They sold my mortgage to BSI Financial. I was about 6 months behind in XXXX XXXX. My husband & I received a settlement from the auto accident. I took care of all of my delinquent payments plus put over {$18000.00} down on the principle. That took me through XXXX XXXX. I made my XXXX XXXX payment. On XXXX XXXX, XXXX my husband & I received several intent to forclose notices saying I was 9 months behind. I called BSI immediately & was told to disregard those notices that there is an error in the computer system but I am in fact correct I 'm current on my payments & only due for the current month. I was told that the problem could n't be changed in the computer from where this representative was located. However I was not given the information on who or where to call to have this problem resolved. The next day I received another intent to forclose letter. I called again & was told not to worry about it but it could still not be removed from their system. This has been sent to the credit burro cause our credit to have a negative mark.
Product: Debt collection

Today XX/XX/XXXX I was contacted by alliance collections from a XXXX and asked me my name I told them and they asked me my last four of my social I gave it to them he then got nasty with me and didnt tell me how much the debt was when I asked and told me I have to pay a loan back that I never took out I told him I never took out a payday loan Im on XXXX and he said from XXXX XXXX XXXX in XXXX and that I used a XXXX XXXX account to do so I said I closed those accounts in XXXX so it wasnt me that took out the loan. He then said ok we are sending out a supeona for court to have you arrested for non payment. I said ok he hung up. I called XXXX XXXX and I had closed my accounts with XXXX  on XX/XX/XXXX th and XXXX  XXXX XXXX XXXX he never stated when the XXXX  XXXX  XXXX  loan was taken and I never signed or took out such a loan in my name. I looked onlineat XXXX XXXX XXXX and it said I had a loan for XXXX through XXXX XXXX XXXX on XXXX but I closed my bank accounts through XXXX XXXX  XXXX so Im also confused how there is a loan in my name. Other than a x husband who I have a cpo in place for telecommunications harrassements and severe abuse  he even posed as me and used my child support card number for online purschases while out of out home without permission I have no clue how the loan was taken out or who took out a loan from their company. Please help Im scared.
Product: Debt collection

Applied for a credit card with XXXX XXXX. Was told I was approved and would be receiving a card in the mail. Card never came in the mail and I received a text alert that someone attempted to make purchases on the credit card. Called the company and explained, they said they would investigate and send a new card. Never received the new card in the mail, when I called to ask about it they said I had a {$300.00} charge that I did not make. Told them this was not me, that I never received a card, asked them to investigate and fully close my account. I am now receiving debt collection notices from Resurgent Capital Services LP that I didnt pay my balance and that my debt was sold.
Product: Debt collection

I paid debt in full to XXXX in XXXX 2014. I asked to make sure, was there any paperwork or anything I needed to sign, etc. To finalize everything. She said no. I went on my way and was never contacted about a " debt '' until about two months ago when I filed a dispute after realizing it was, for some reason, on my acct as a debt. I have contacted the current apartment manager, XXXX XXXX, who says they have misplaced my records and they never got filed but that she knows I paid it. I have filed dispute with the company and it has been denied
Product: Consumer Loan

I took out a high interest title loan with Approved Cash, XXXX XXXX XXXX XXXX, XXXX, OK ( XXXX ) XXXX. I was 1 month and 1 day late on my payment, but intended to get caught up on payday XXXX/XXXX/2015. On XXXX/XXXX/2015 in the middle of the night they repossessed my car without my knowledge. They want the full balance, and will not accept payments to get caught up. I have possessions in the car, including the tag, that they will not let me retrieve them without paying a fee. They also will not let me know where the car is located so that I can inspect it before the sale next week. 

I asked them what the procedure was for claiming any funds left over from the sale after the balance is paid, and they said that they are not allowed to sale the car for more than what is owed on the note. The car has a blue book value XXXX to XXXX times the amount owed. I have never heard of an auction that has a set top dollar price.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report again and I notice that theirs inaccurate information still reporting to my credit report which now is a charge off and the account is closed not only that the CHARGE OFF /CLOSE ACCOUNT is reporting late payments when the creditor has closed the account and charged it off below I've attached the payment history as well as the dates, and amounts of each payment. 

ccount info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Auto Loanccount info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Auto LoanPayment summary XXXX XXXX XXXX XXXX XXXX XXXX CO ND XXXX - XXXX CO XXXX - XXXX CO XXXX - XXXX CO XXXX XXXX CO ND XXXX - XXXX CO XXXX XXXX XXXX - XXXX CO XXXX XXXX XXXX CO XXXX XXXX CO CO XXXX CO XXXX XXXX XXXX ND CO XXXX XXXX XXXX CO CO XXXX PAYMENT HISTORY LEGEND Status Account charged off. {$16000.00} written off. {$9800.00} past due as of XX/XX/XXXX. 

Status updated XX/XX/XXXX Past due amount {$9800.00} Original balance {$22000.00} Monthly payment - Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms XXXX Months Company sold - Original creditor - Comments
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained my consumer report from XXXX XXXX XXXX XXXX. It contains incorrect information. It contains housing court case that should have been excluded from the Transunion data since I have a court signed stipulation in XX/XX/XXXX with all parties agreeing to exclude the cases from any tenant screening company database. 

I provided the court signed stipulation as support to XXXX XXXX XXXX XXXX XX/XX/XXXX.  Today, I called them to follow up. They said that they can change the type of the case, but they will retain the case in the report and their database. 

I explained to them that the court signed stipulation is to excluded the case from their database. However, Transunion on the phone did not understand and insisted to keep my court record ( which should be excluded per signed stipulation ) in their database and reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX