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

On XX/XX/XXXX, I utilized my debit card for several purchases. At the beginning of the day I had {$180.00} in my account of available funds. On XX/XX/XXXX, I utilized {$180.00} in funds which did take me to a negative balance of $ XXXX which I agree to 1 overdraft fee in this case. However, I also had a chiropracter appointment which was sitting in my pending withdraws for {$40.00} which still has not posted today on the XX/XX/XXXX. Because the account is holding those funds they are also overdrafting me for another {$36.00} for a charge that is not posted yet. On top of this, my direct deposit is pending as well for over {$1500.00} between both of my accounts. I do not see how a bank can charge me for an additional overdraft fee when their system has the withdraw still pending and not posted to the account yet. This seem like a scam to get easy money from clients. I tried calling the bank to work this out but because of a dispute earlier in the year which caused due to an unauthorized withdraw which the investigation was in my favor and two other refunds within a 12 month rolling period due to the same situation I am facing today, they will not refund any further funds. Again if the funds are pending withdraw but not posted, how can a bank charge me for this when a deposit is also pending for the same day. I agree to one overdraft charge but not two of them.
Product: Money transfer, virtual currency, or money service

Hello, On XX/XX/XXXX I was looking for an apartment, I was in an extremely vulnerable situation because I needed to make a decision quickly. A scammer took advantage of this by offering me a place to stay. I was scheduled to view the apartment the next day, but was recommend that I fill out the application first. In XXXX XXXX XXXXXXXX the rental market is extremely competitive, so it's recommended that to secure your spot you should already have the application first. Again, another opportunity for the scammer to take advantage. So I sent my {$150.00} application fee, via Cash app, but shortly after decided that I wanted to change my mind. The scammer blocked me on everything. I tried to rectify this issue with my bank, they told me to take it up with cash app. Cash app doesn't guarantee buyer protection but enables business to use their app for transactions. Also according to this article https : XXXX dated XX/XX/XXXX, reports allege that Former employees estimated that 40 % -75 % of accounts they reviewed were fake, involved in fraud, or were additional accounts tied to a single individual, Their customer service keeps informing me that I should only send to reputable people. How was I supposed to know that this service was not reputable? They sure did present themselves as such. I am getting no resolve and am looking for some support.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached and FTC report with 4 accounts and inquiries I did not authorize
Product: Debt collection

J. P. Morgan has two accounts on my credit bureaus that belong to my wife. My wife has a negative payment history on these accounts, so I respectfully request their removal from my credit bureaus. My name is XXXX XXXX XXXX, my wife 's name is XXXX. I would be very appreciative if these two accounts could be removed from my credit bureaus as an authorized user immediately, thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 
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 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 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

When i called the credit bureau ask can i have a copy of my credit File ( not my report ). I was told it would be sent to me and i never receive it. This was over XXXX days ago. I would like to know why i havent received it. If this suppose to be my credit FILE why I cant have a copy of my FILE. This goes against my consumer right.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've disputed this before, but has since and over the years figured out why I'm not able to log into either of my Equifax ( XXXXXXXX XXXX XXXX ) credit reports. 

XXXX XXXX XXXX is using my XXXX Equifax account for the purpose of controlling our credit scores. Not sure who has hacked the XXXX account, but both have not been made available to me. And every time I've tried regain access, I get turned around in circles. Not sure why that continues you happen when it is clear that both accounts are being used by someone other than myself
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in processing disputes on my credit report to delete an remove all inaccurate information submitted with Equifax. please review an remove information filed. this has been hindering my credit report. alot of infomation is not 100 % accurate. this has caused alot of delays an denials pleaser review an remove the information listed.
Product: Debt collection

I was admitted into the XXXX Medical Center Emergency Room on XX/XX/XXXX using my insurance through XXXX XXXX. A few months later, the doctor attempted to bill me through XXXX XXXX XXXX XXXX. I called XXXX XXXX who informed me that they had sent payment and that the check was never cashed. I contacted XXXX XXXX XXXX XXXX who I put into contact with my insurance company to settle the issue. I was assured the issue was settled and had forgotten about it until last year. I noticed a collections account had showed up on my credit report by a company called XXXX XXXX XXXX. I had called them and found the debt was resulting from XXXX XXXX XXXX XXXX claiming they had not been paid. I was told the account had been sold to another company and it would come of my credit report shortly. I was never notified by phone or mail that this debt existed except for the original bill in XX/XX/XXXX. In XX/XX/XXXX, the account once again showed up on my credit report through XXXX XXXX XXXX. I called XXXX XXXX and inquired about this bill to which they confirmed that the check sent to XXXX XXXX XXXX XXXX several years ago had once again never been cashed. They said they would send a check out immediately for payment. I called XXXX XXXX in XX/XX/XXXX and they had confirmed the check was sent. I then contacted XXXX XXXX XXXX XXXX who told me that the matter was no longer controlled by their accounts receivable, but by the debt collector. I called XXXX XXXX XXXX and was bounced from person to person over the phone. One person told me it looked like a payment had been made, but they could not tell me how much or what the remaining balance was. I asked for an invoice of the account and they agreed to send it to me. I gave them both my email and updated address, but still recieved no statement. I called again a week later and was given the run around once again with a promise of an invoice, but no reconciliation. Today, XX/XX/XXXX, I was called by XXXX XXXX XXXX and advised that the debt needed to be payed today to avoid them having to tell " their client '' ( I assume XXXX XXXX, but they would n't tell me ) that I was defaulting on the debt. I asked once again for an invoice, but was brushed off as the operator insinuated that it did not matter. It seems time and time again as the debt collection employees are very nice until I tell them that the debt is invalid in which case they became very confrontational and attempt to get me to pay them anyway. Why would I pay for a debt that I can not even confirm with an invoice? I would really just like to get this sorted out between the three parties, XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX.
Product: Checking or savings account

CITIBANK closed by savings and checking account. I had all of my money in that account and now theyre telling me that they cant give me a date as to when my refund check will be sent so i can access my funds. All i am being told is it can take up to 60 days. Unfair i have to wait 60 days for my OWN money. Citi does not seem to care
Product: Credit reporting

This company is continuing to request payment for accounts that I do not owe on. {$120.00} from XXXX on XXXX XXXX, XXXX on behalf of XXXX 
Also : {$810.00} from : XXXX XXXX on XXXX XXXX, XXXX on behalf of XXXX. 
These were previously disputed with other agencies as well. So, since they were blocked from trying their scams with those CRAs, they have moved over to TransUnion. This needs to be removed ASAP. I am unaware of the accounts and have no verification this debt is mine. I only know of this account based on it being reported in my credit report ( s ). We both know they are the source reporting this account and have the absolute right to report it, not report it, or delete it from all reporting agencies. They refuse not to. There has been previous take down requests to which they have replied, done so, and resubmitted the debt. Over and over. They wait for a small period of time and then resubmit, thinking it will not be noticed. I will contact the Attorney General AS WELL against TransUnion and in their respective state and both of these companies if this is not resolved NOW! 
I 've ALWAYS had this type of trouble before with TransUnion. My report with them has always been incorrect. From having an out of date address from over 6 years ago as my main address to not having all of my current TradeLines listed that are active and in good-standing.I 'm not surprised! 
I am a veteran and a XXXX XXXX and I do not deserve to b treated this way. I will file a I fought for your freedom young man/woman! law suit against this CRA IF These entries are NOT removed! 
ALL references regarding this account must be deleted from ALL reporting agencies.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the incorrect reporting of a closed account on my credit report by XXXX. The account in question is with XXXX XXXX XXXX XXXX, with a past due balance of {$2900.00}. Despite the account being closed, XXXX is inaccurately reporting it as an open account. Additionally, the debt appears to be re-aged, with a date opened of XXXX  and a date reported of XXXX. The account is reported as a charge-off, yet they have stated they still own the debt, which is misleading and inaccurate. 

This debt is currently under dispute, and despite my efforts to resolve the matter directly with XXXX, the account continues to appear incorrectly on my credit report. The reporting of this account as an open debt and its recent re-aging is not only a violation of the Fair Credit Reporting Act ( FCRA ) but also unfairly impacts my credit score. I have contacted XXXX to dispute this issue, but it remains unresolved, and the account still reflects inaccurate information. 

Under the FCRA, I am entitled to accurate and complete information on my credit file. The misreporting of this account as open and re-aging the debt to reflect a later reporting date is a clear violation of my rights. I am requesting that XXXX either correct the account status or delete it entirely from my credit report. 

Moreover, as this information is incorrect, I am asserting my right to request its deletion. The FCRA mandates the removal of any inaccurate or unverifiable information, and I am requesting that XXXX delete this erroneous entry from my credit report. 

Please investigate this matter and ensure that XXXX rectifies this mistake by either correcting the account status or removing it completely. I would appreciate prompt action on this matter and request that you keep me informed of the progress. 

Thank you for your attention to this issue. Should you require any additional information or documentation to support my claim, please do not hesitate to contact me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. But despite all the complaints I sent to CFPB and Experian, nothing has changed! So once again, I would like to request the suppression of these items from my credit report, which is the result of a fraudulent item origination and identity theft. These fraudulent items should be DELETED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. I have sent my documents, the FTC report I filed on their website to make things clear that I am an IDENTITY THEFT VICTIM. I am trying to obtain credit and it is causing me too much emotional and financial distress because of these items that do not belong to me and are reported erroneously. I am in desperate need of these items to be REMOVED and BLOCKED. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In XXXXccordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block ACCOUNTS : XXXX XXXX XXXX Account number - XXXX XXXX  XXXX XXXX  Account number - XXXX XXXX XXXX XXXX - Original creditor : XXXX XXXX  XXXX XXXX XXXX Account number - XXXX INQURIES XXXX - Inquiry date - XX/XX/XXXX XXXX XXXX  - Inquiry date XXXX XX/XX/XXXX 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish a 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 XXXX years. 

15 U.S.C 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 in accurate.

15 USC 1681EB 15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 C-2 15 USC 1681 BA2 15 U.S. CODE 1681e- 15 USC 1681 ( 2 ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 1681 FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block
Product: Credit card or prepaid card

I am closing my XXXX XXXX Account and I have tried multiple times to add my XXXX XXXX Checking Account to PayPal Credit however it refuses to add the bank account thus forcing me to keep open my XXXX XXXX   account as it will not allow me to make a payment with any other means.
Product: Credit reporting, credit repair services, or other personal consumer reports

Do to my understanding someone use my personal information to uptain credit an use to be placed reported false information to uptain credit an fraudulent activity happened with these companies saling my personal information with out my permission with proved correctly information provided by government law illegally reported by government law I was issued one government name not muitplal I requested everything be removed do to identity theft freeze should be placed on my credit report until I fix this illegally activities full disclosure investigation
Product: Vehicle loan or lease

I am writing to formally submit a complaint against First Citizens Bank regarding predatory lending practices that have put me in a financially devastating situation. I obtained a {$18000.00} loan for a chip trailer from First Citizens Bank. Despite diligently making payments for two years, I recently discovered that my loan balance has inexplicably increased exponentially and they offered to sell it back to me for the original loan amount two years later.

The bank claims that I owe inexplicable fees and they continue to add late fees on top of this amount. Shockingly, none of my payments have been applied to the loan 's principal. I have asked the bank for a traditional loan, but instead, I am now facing what appears to be fraudulent and predatory loan terms. The bank is
threatening to repossess the truck, which is essential to my business, thereby further jeopardizing my financial stability.

This situation has caused me significant emotional distress and financial strain, and I believe that First Citizens Bank 's practices may violate federal laws protecting consumers from unfair and deceptive lending practices. I respectfully request the CFPB 's intervention to investigate this matter and hold First Citizens Bank accountable for any violations.

Please advise on any further information you may require to process this complaint. I appreciate your immediate attention to this serious issue.
Product: Credit card or prepaid card

I attempted to make a payment on XX/XX/XXXX in the amount of {$190.00} and my payment was rejected. I called XXXX XXXX the owner of my checking account debit card and they had not placed any holds on my accont for fraud. I called XXXX XXXX to ask why the payment was rejected and was told it had to do with my bank.I then made the payment over the phone. I again tried to pay a bill on XX/XX/XXXX for {$120.00} and again my payment was rejected.
Product: Debt collection

This debt was paid in full directly to the originator on XX/XX/year> and then the debt was added to my credit report by a third party debt collector on XX/XX/year>. I do not owe this debt.
Product: Credit reporting or other personal consumer reports

Previously marked as duplicate complaint!!! 

Company failed to remove permanent after previously removing this account And adding it back based on a false automated verification of fraudulent information attached to the account. The information attached has been removed and deemed as inaccurate or fraudulent and or proved to have been shared without my permission initially or at anytime. The company " XXXX '' sold the debt multiple times to various companies yet failed to relinquish any responsibility to me that may have previously been owed or responsible for before the purchase of the debt along with my personal information that of which I did you give permission to be sold and or obtained by and lenders, creditors, credit furnishing bureaus etc. please remove all derogatory accounts permanently from the report and delete from XXXX XXXX, safe stream, XXXX, XXXX, XXXX, XXXX database. Bureaus also have failed to deliver up to date electronic credit report online per my request.
Product: Credit reporting or other personal consumer reports

I am writing to express my profound frustration regarding the blatant disregard for credit reporting laws evident in the ongoing presence of fraudulent accounts on my credit report. Despite assurances from reputable companies and the validation of an identity theft report, these inaccurate entries persist without resolution. 

Your failure to address these accounts, despite clear evidence of their fraudulent nature, constitutes a violation of the laws governing accurate reporting. It is evident that the bureau is neglecting its responsibility to thoroughly investigate and rectify inaccuracies. 

Moreover, other credit bureaus have already removed these accounts from their records following the submission of an FTC report and thorough investigation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to the IRS unpaid charge off is income and according to the FCRA income can not be reported on a credit report. I'm requesting a 1099C ( Cancelation of date ) from the following charge off accounts listed below : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX This account can not be reported as a charge off onto my credit report, if the account was sold to another lender. Please send me the 1099C form.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/
Product: Credit reporting or other personal consumer reports

This account was charged off XXXX XXXX XXXX .Account numberXXXX However since then, the account has been repeatedly updated as charged off every month. These updates inaccurately reflect the payment history and falsely manipulate the statute of limitations on this account. 
Despite my previous requests to investigate this matter, this issue has not been properly addressed. Your continued neglect to correct this information is unacceptable. Therefore, I am demanding the immediate deletion of this account from my credit report.