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

CEAST AND DESIST OF REPORTING UNAUTHORIZED FRAUD ACCOUNTS Personal Statement ATTN EXPERIAN EQUIFAX TRANSUNION ACCORDANCE TO USC 6801ab1234, USC 1681ga1b23abc456cde7,9,10,11,12 USC 6802, USC 1681g, USC 6803 USC 1681s2 | never gave written consent to these creditors or Experian Equifax TransUnion to furnish these fraudulent accounts to my consumer reports the ACCTS READ 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 PLEASE REMOVE THESE UNAUTHORIZED FRAUD ACCTS FROM MY CONSUMER REPORTS THIS IS A CLEAR VIOLATION OF THE LAW AND IMPROPER USE OF MY IDENTITY AND ( GAAP ) U HAVE THE RESPONSINITY TO REPORT ACCURATE INFORMATION STUDENT LOAN REHAB USC 1681AB2 XXXX SIRS MAAMS
Product: Checking or savings account

I am writing to formally file a complaint against VyStar Credit Union concerning unauthorized charges and the incorrect reporting of my account to the credit bureaus. Below, I outline the specifics of my case : I maintained a savings account with VyStar Credit Union, which was set up to automatically transfer {$1000.00} regularly to my XXXX XXXX checking account. Despite the fact that my VyStar savings account balance reached {$0.00}, the system erroneously continued processing these transfers. 

From XX/XX/XXXX, to XX/XX/XXXX, my VyStar savings account had a negative balance of - {$1600.00} due to these unauthorized transfers. Importantly, I never elected for overdraft protection on this account. The attached statements confirm that no overdraft protection fees were ever applied. Therefore, according to standard banking practices, transactions should have been denied and should not have allowed my account to go into a negative balance once the funds were depleted. 

The unauthorized negative balance arose from a failure of VyStar 's own automatic transfer system. Despite my efforts to resolve the matter by contacting VyStar branch managers, they were unable to provide an explanation and assured me that the error would be investigated and that I would not be held accountable for it. 

However, VyStar failed to follow up with the results of their investigation or offer me any resolution. Instead, they erroneously reported my account as a charge-off to the three major credit bureaus, causing significant damage to my credit score. My attempts to dispute the charge-off were met with the response that VyStar could not amend the status. 

The fact that this account was reported as a charge-off, despite a lack of overdraft protection and my non-responsibility for the system error, constitutes a violation of the Fair Credit Reporting Act. Credit reporting must be accurate and fair. VyStar 's actions, including the incorrect charge-off and failure to rectify the error, are in clear violation of this law. 

The erroneous reporting and mishandling of this issue have had severe repercussions on my financial health. I request immediate correction of the charge-off status with the credit bureaus and resolution of this matter to rectify the damage to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Department of edXXXX XXXX ACCT # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX  ACCT # XXXX, XXXX XXXX XXXX  ACCT # XXXX, XXXX XXXX ACCT # XXXX, XXXX XXXX  ACCT # XXXXXXXX XXXX XXXX ACCT # XXXX In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been trying to dispute a lot of information on my credit report and I keep getting that it's going to take 30 days or they going to investigate and the same thing happens day after day I really will like it to be fixed it so that I can actually get the fair rate on everything that I'm supposed to get I think it's fair for everyone to have a fair credit report instead of having a wrong cover report!!
Product: Checking or savings account

Last Wednesday, XX/XX/year>, PNC Bank called me to ask if I had made XXXX charges. I told the representative my last transaction to the account was a wire transfer on XX/XX/year>, in the amount of {$20000.00}. The PNC representative informed me someone had charged my card on XX/XX/XXXX and XXXX and the charges were over {$20000.00}. The following day I went into the PNC Branch at XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, and disputed the charges with Business Banking Center Assistant Manager XXXX XXXX I requested for the account to be credited because I was due to close on a loan with the funds that were stolen. She asked for me to file a police report and I filed the police report on Monday, XX/XX/year>, in XXXX XXXX, in-person because of the high amount stolen. XXXX XXXX told me it may take longer to credit the account because of how the theft occurred. Today I called and for over 2-hours given the run around from the bank about crediting the account. A rep reached out to me this afternoon XXXX XXXX, from PNC to discuss the issues and again provided no help. I am contacting Consumer Financial protection Bureau to assist with getting my funds back and to have PNC bank be transparent in where the process is and will go. XXXX XXXX stated some of my disputes were denied.
Product: Credit card or prepaid card

Hello CFPB I am writing to assist regarding XXXX XXXX XXXX XXXX XXXX XXXX with application ID # XXXX XXXX XXXX. I applied and was asked to send documents My Driver License SS Card and Utility Bill for verification which i did send. I received voicemail to call them and i did call them but they start asking some question back in 10 years period i tried my best to answer and they declined application. I send and complied with all their request and i was denied. Please assist me to get this application approved. I have great credit and this is Valid application for credit.
Product: Credit card or prepaid card

Chase sent me a letter on XXXX XXXX and fraudulently closed my credit card account ending in XXXX that I have had since XXXX stating I was not using the card as intended. I am the original creditor and was using the card as intended and am very stressed that the card was shutdown.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I made arrangements with midsouth back in XXXX to have my bill of {$360.00} paid every two weeks which I did and I paid my bill in full. 
I have called their offices on several occasions asking them to remove the debt since its paid in full. collections on my credit report makes it hard for me to purchase my home. I spoke with several managers XXXX and XXXX. Both stating that they have an agreement with XXXX and they are not allowed to remove a debt from a consumer 's report unless it was in error. I called XXXX   and they told me that the collection agency has to be the one to remove the debt since its paid in full. I mean I think its a disgrace for debt collection agency to be so dis honorable and lie to customers. 

I also feel that if they are the ones to report it to the credit bureau, why can't they delete it. they can just continue to be a pain in the behind.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, CFPB : Macy 's is falsely alleging debt of {$530.00}, when Macy 's account closed with {$0.00} ( XXXX ) balance. Macy 's is in violation of fair debt collection practices act 15 U.S.C. 1692. XXXX has removed the inaccurate information, as, Macy 's has allowed FRAUD to take place and delusionally believe I should pay for their failures. I ATTEST, AFFIRM, AND CERTIFY THE INFORMATION IS VERY ACCURATE AND VERY TRUTHFUL. 

Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I was making a purchase for an instagram reseller for {$310.00}. They have directed me to send the money to them via XXXX and I did. The purchase was on XX/XX/XXXX. I was told that the product is going to shipped out the next money which was on XX/XX/XXXX. I messaged the reseller and they blocked me on XXXX on the same day. At this point, I had already know that I had been a scammed victim and lost {$310.00}. I filed a E-regulate dispute with Chase since XX/XX/XXXX and never heard from them since. I just want to reach out to CFPB to help me getting my money back for being scammed from the scammer.
Product: Credit card

I referred a friend to apply the American Express ( AKA, AmEx ) XXXX credit card a couple of months ago. According to AmEx, I believe I should receive a XXXX points bonus for the referral. However I did not receive that. After contacting AmEx six times within three months about this issue, AmEx refused to honor this promotion. AmEx claimed my friend did not apply through my referral link. However, they did not provide any evidence besides their words. My friend called AmEx and told them she actually applied this card through the link in my email. As a result, AmEx have failed their obligation. I request AmEx to honor their promotion and post the points to my account. 
I am attaching my conversations with AmEx about this issue for your reference. 
Ref # XXXX dated XXXX XXXX Ref # XXXX dated XXXX XXXX Ref # XXXX dated XXXX XXXX Ref # XXXX dated XXXX XXXX Chat ID XXXX dated XXXX XXXX
Product: Payday loan, title loan, or personal loan

I financed {$51000.00} with Loan Pal. This was the only company that XXXX XXXX allowed me to finance with. Their lending is questionable. I would call them frequently to find out why I had made payments yet the loan amount never went down. I ended up paying this loan off in full I had of time to stop the scam from happening. XXXX XXXX XXXX in the meantime has went out of business and is not providing the services upon the agreed contract terms which are also in the Loan Pal terms. I have {$52000.00} worth of paper weights sitting on my roof that have not worked since XX/XX/2022. XXXX XXXX XXXX damaged my home during installation. It took six months to get it fixed. The panels went down and they sent someone out who told me that the entire system was wired wrong. Yet they never came back and fixed it. Now in XX/XX/2022 all 40 panels are no longer working. I have an ever growing electric bill. And the company has decided to go out of business.
Product: Credit reporting or other personal consumer reports

15 USC 1681 In accordance with the fair credit reporting act. The list of accounts below has violated my federally consumer rights to privacy and confidentally. XXXX Bank # XXXX, XXXX Bank XXXX # XXXX. 15 USC 1681 section 602A states I have the right to privacy. 15 USC 1681 section 604 section 2. It also states a consumer reporting agency can not turnish a account without my written concent. I havent gave anyone permission to report this. Please remove or delete these accounts.
Product: Credit card

This complaint is regarding a previous complaint XXXX I am sending the follow-up complaint to assure that the bank can not claim I did not respond to them. 

After my repeated complaints to CFPB I received a voice message from XXXX XXXX XXXX XXXX XXXX XXXX but could only reach a robot that hung up on me without taking a message - called the number but skipped the extension. Got a robot that took a message. I have no confidence in Citi 's robots, so I am leaving this complaint to establish that I tried to communicate The Citi case number for this matter is XXXX
Product: Debt collection

I accepted this credit card about 2 years ago and have never used it but about 3 months back they started telling me I owned them {$5.00} and now {$15.00}. I have talked to them several times and asked them to cancel, but they just keep adding {$5.00} each month.
Product: Money transfer, virtual currency, or money service

Tansferred money via ACH from XXXX  XXXX XXXX checking account to Navy FCU checking account on XX/XX/2023 for USD XXXX. 
XXXX XXXX XXXXXXXX provided the confirmartion number and both the debit and credit trace numbers. Navy FCU claimed they could not trace the transcation in there system. it been going on bouncing between the two banking institutions. 

Asked XXXX  XXXX XXXX to track and refund the amount, When XXXX  talked to Navy, Navy claimed there was insufficient funds to warrant a refund of the same amount from the Account in Navy, yet on the other hand Navy claims the amiunt never reached? 

Form XXXX  XXXX XXXX, it shows that the money did leave the account while on the Navy FCU side there is no money.
Product: Debt collection

My Mother was told that her XXXX status would be revoked, and she would be XXXX. Hhat her social security pension would be garnished and that all the money in my husband 's bank account would be also taken. That President Trump had changed the law and that she had to pay this debt. This is over 19 years old. The used abusive language and under duress they took advantage of a XXXX yr. old senior who gave them her credit card information. So far they took 2 payments one for {$480.00} and another one for {$1000.00} I am working with the credit card company and have reported this {$1500.00} dlls charge as fraudulent. I want to make a formal complaint about this ARA XXXX company in Illinois. Collection manager name is XXXX XXXX
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXXXXXX XXXX Balance Owed : {$3200.00} XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Transunion charged my account {$.00}, XX/XX/XXXX Transunion charged my account {$1.00}, XX/XX/XXXX Transunion charged by account {$19.00}, XX/XX/XXXX Transunion charged my account {$.00}, XX/XX/XXXX Transunion charged my account {$1.00}, XX/XX/XXXX Transunion charged my account {$1.00} XX/XX/XXXX transunion charged my account {$.00}. 
All occurrences have happened even after calls made to my bank and to Transunion. My bank asked me to speak with the company about the issue so I did. After about an hour of being on hold and talking to 3 different people they said they would be cancelling my account that was not even created by myself in the first place. I'm at a loss, and have stopped checking my credit score because of these charges yet they are still being filed and I'm still being charged after I was told " My account '' that " I created '' would be destroyed. Yet since I called last and talked I've been getting charged more frequently. I have been looking for a new way to check my credit history since and am having a hard time trusting any of them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have all these credit inquiries on my report and I do not recall any of them. I have sent letters and nothing has been done or youve been placed a fraud alert. I also went to the police department of paperwork as well. Here is a list of all the credit inquiries. 

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 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 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: Money transfer, virtual currency, or money service

I am formally filing a complaint against Cash App ( Block , Inc. ) regarding inadequate customer service and unfair practices that violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App has not taken timely and effective measures to prevent and address fraud on their platform, which has left my account vulnerable and unprotected.

Additionally, their dispute resolution process has been both unfair and deceptive, as they have not adhered to the error resolution requirements outlined in the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have resulted in significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

the following acoount s are being reported inaccurately XXXX XXXX XXXX XXXX XXXX account XXXX XX/XX/XXXX late account is on auto pay, XXXX XXXX incorrect balance - always pay to a XXXX balance. experian, XXXX and XXXX are inaccurately report the accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ally/Auto has unfairly and inaccurately reported information on the Credit report of XXXX XXXX and I XXXX XXXX XXXX In CFPB case # XXXX, XXXX a representative from Ally Auto provided an inaccurate detailing of the payment history on an Auto Loan. Borrower and I Co-borrower entered into a new agreement called the " Catch-Up '' with Ally Auto. After suspending payments during XXXX, Ally Auto started payments back up again. During the suspension of payments because of XXXX Ally Auto reported past due payments to the credit bureaus. That is an ADVERSE reaction being that payments were suspended. The entire time the payments were suspended Ally decided to take advantage of us as borrowers and I'm sure many others by charging excessive finances charges. They later decided to hit us with a $ XXXX bill. They have continued to be thugs in inaccurate reporting on our credit reports. Literally reporting lies. We entered into a new agreement and new payment terms. Terms have been fulfilled but the reporting to XXXX, XXXX, and XXXX are inaccurate lies. According to FCRA, a creditor can not report payments past due while account is adversely being paid on. Creditor must update and/or report accurate information. You can not suspend payments and then report past due. You can not enter into a payment agreement and still report past due all the while account is being paid on at a higher rate than first agreeement. Only one issue was corrected but not the entire issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  : {$9700.00} XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXXXX/XX/2022 XXXX XXXX XXXX XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian about an alleged Bankruptcy on my profile. I submitted PROOF that the Courthouse is NOT the one who is REPORTING the BK, as well as PROOF that XXXX REMOVED it due to unable to verify. XXXX verified to me that they received their information from Experian as well as Experian verified they received their information from XXXX. Experian is LIEING AND REPORTING INACCURATE INFORMATION. This against the LAW! I have PROOF they are breaking the law and lieing.
Product: Debt collection

Navient is claiming they do not have to follow the CARES act on certain loans and are refusing to allow extended forbearance in the middle of a global pandemic. Someone needs to hold these student loan companies accountable. They are attempting to collect on student debt with interest in the middle of this pandemic with millions unemployed. They leave people like me, who lost my job due to Covid in an impossible situation of not being able to pay my loans and ruining my credit because of it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report.