23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In securing a loan for a new home, we found out there was a collection on my credit report from Trident Asset Management XXXX. XXXX XXXX, XXXX GA XXXX XXXX : XXXX. It was apparently from XXXX in the amount of {$51.00} however, this was not something that XXXX ever submitted to them. We were never contacted by XXXX, nor were we ever made aware of this debt by XXXX. We only found out about it from our lender pulling our credit. It is negatively affecting our credit report and all attempts to obtain further information from XXXX were unsuccessful. They just kept telling us we had to pay it. XXXX has NO record of this debt or an account. XXXX refuses to answer questions, and they are also refusing to remove it from our credit report.
Product: Checking or savings account

I attempted to deposit a check at the local Regions Bank located in XXXX Texas that was missing a endorsement from the second party which was lien holder of my vehicle. The check was placed on hold and all of my accounts were frozen as a result. 

Ive spent a total of 5 hours trying to rectify this matter at the Regions Branch and on the phone. I contacted XXXX XXXX to cancel the check which they did. I was told once the check was either endorsed or canceled then the hold would be lifted from my accounts. I was lied too. Regions bank will not do their do diligence and are still holding the check after receiving proof its been canceled. These is Day 2 I am unable to feed my daughter and make any purchases.
Product: Mortgage

I attempted a cash out refinance with Mr Cooper. The agent XXXX XXXX, took my financial information and said I would qualify for a cash out of {$170000.00} but because Im self employed that would drop to {$130000.00}. I agreed to the terms and he did a credit pull. I made him aware I was also working with another lender and would let him know if we would go through with the loan. I attempted to contact him again. He has not returned my calls. I spoke with another agent that made me aware XXXX was new and made a mistake. Mr. Cooper will not accept my income for the last 6 years of self employment. There policy is to discriminate against self employed customers for the time being. Our last refinance was three years ago. My income was fine for Mr Cooper at that time. Mr Cooper should correct the illegal credit pull and apologize for the incident. I have attempted to contact his supervisor XXXX. I have not received a response. I have also attempted to contact XXXX, XXXX supervisor with not response from XXXX.
Product: Credit card

I have paperless billing on my credit card account and I recently obtained my balance and submitted the payoff amount to the credit card company, they cancelled my autopay since the account had been paid and they also issued a refund check for the few dollars that were leftover in the account. 3 weeks later I just happen to check on my account and noticed the applied finance charges to my account that I was unaware of, and I was almost going to be charged late fees on their finance charges on a credit card account that I had paid off in full. When I called to talk to them I was told that no they would not remove the fees and I tried to explain to them had I not checked the website I would not have know about the fees and they would have then charged late fees and finance charge fees on the finance charges they already assessed. I asked to speak with a supervisor and was told that person does not take any phone calls and they are strictly administrative only. I told them I was going to lodge a complaint that they seemed totally unbothered by it. I am just afraid they are doing this to other people too and I don't think its fair to get finances charges assessed to a creed card account that you paid off and that they cancelled the autopay for. 
The Credit Card Company is Capital One.
Product: Payday loan, title loan, or personal loan

XXXX was Issued XX/XX/XXXX, and paid in full XX/XX/XXXX ... .a payment was never missed
Product: Credit card or prepaid card

I recently had 2 companies XXXX XXXX  XXXX XXXX & Discover ) send me a letter and a call to my mobile stating that my application was denied. I already have a closed account with XXXX XXXX XXXX  and never had one with Discover. I was not in the process of getting new cards or accounts with either 2 companies. I checked my credit report company and there were no inquiries on these 2 or any other companies that I am aware of.
Product: Debt collection

The original debtor is XXXX XXXX it was sold to ic systems in XXXX XXXX MNXXXX.Debt occurred in XX/XX/XXXX.  I called XXXX XXXX to suspend my services because I was being forced to move. I made a payment to my bill of XXXX leaving me with the amount of XXXX left due. I was told by the rep that my services would be suspended for a year and to call back in XX/XX/XXXX  to see my other options because I was on a contract at the time. The next month XXXX was taken out of my XXXX account so the account was paid in full. A year later I call back and was told that the account was never suspended because of the XXXX balance at the time of the suspension something that I didn't know and account was paid off in full.
Product: Credit reporting or other personal consumer reports

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : However, they stated everythin " " `g was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 instructons 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 tan seven 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 inaccurate modity accounts tat isnt reporting correcuy.

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 ZA instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the followina items of information Anv other adverse item of information. other than records of convictions of crimes which antedates the report by more than seven vears.

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 inaccurate. 
Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case. 

Account : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2300.00} Account : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} Account : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$740.00} Account : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$400.00} Account : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00} Account : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} Account : XXXXXXXX XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$3000.00} Account : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$120.00} Account : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$190.00} Account : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$190.00} Account : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$43.00} Account : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$180.00}
Product: Credit reporting or other personal consumer reports

It looks like someone applied for multiple things around the same dates and they do not belong to me. I am a victim of identity theft. These are fraudulent inquries and I am asking them to be removed ASAP. What is the next step? This is effecting my mental health and I am sooo upset with the way the credit bureaus are handling this matter. They told me I have to have written documentation. I even filed an Identity Theft Report and they are not complying with the provided documentation. 
TRANSUNION FRAUDULENT INQUIRIES XXXX XXXX XXXX XX/XX/24 XXXX XXXX XX/XX/24 XXXX XXXX XX/XX/24 XXXX XXXX  XX/XX/24 XXXX XXXX XXXX XX/XX/24 XXXX FRAUDULENT INQUIRIES XXXX XXXX  XX/XX/24 XXXX XXXX  XX/XX/24 XXXX XXXX  XX/XX/24
Product: Credit reporting, credit repair services, or other personal consumer reports

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

I previously opened a compliant on XXXX/XXXX/23 which XXXX, XXXX, and TransUnion did investigation and said the accounts were verified and accurate. 

XXXX XXXX # XXXX XXXX # XXXX XXXX  XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting may make any of the following items of information Any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filling report because there are several credit inquiries on my credit report that are not authorized by me and I did not give any permission to non of the companies involved, this is a total violation of my consumer rights and i would like all the following inquires to be remove as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 filling a complaint against cash app ( block, inc. ) due inadequate customer service and unfair practices, which violates the customer financial protection act ( cfpa ). Specifically cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( efta ) and regulation E. These actions have caused a significant inconvenience and financial loss, and I seek an appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

My problem is it with the company a XXXX XXXX they've been holding my money for three weeks they haven't transferred money to my bank account I use them as a credit card processor for my small business I've been trying to contact them every single day and nobody answers is just a machine I need to know what's going on and where is my money they hold in almost {$4000.00} I would like to get my money and cancel the account
Product: Checking or savings account

I use a app called XXXX XXXX in which I am able to get money daily for the work I do. They front the money to me and my account is automatically debited on my payday. The problem is my bank does n't send the info fast enough to active hours so that they know they were reimbursed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my XXXX credit report dated XX/XX/XXXX I have 3 collections accounts as follows XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX {$970.00} Balance updated XX/XX/XXXX .... 

XXXX, XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX {$1500.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX BILLING {$66.00} Balance updated XX/XX/XXXX None of these accounts are listed as medical debt, they are listed as collections, XXXX XXXX usa is listed as a charge off account and on XXXX credit report has the account listed as a profit/loss writeoff
Product: Credit reporting or other personal consumer reports

I am stressed and displeased that I see so many unauthorized accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX XXXX XXXX breach recently, I would think you all would take extra measures to protect my consumer report. I do not feel that my information is being protected. As an attorney, I know this is defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset! I am depending on the banking system and credit reporting agency to promote my privacy and fairness sand they have not. 15 usc 1681i ( a ) ( 1 ) ( a ) ( 5 ) ( d ) ( 6 ) ( b ) ( iii ) ( XXXX ) PLEASE NOTE This entire statue states and proves that the credit reporting agencies are not thoroughly investing the neglected and unauthorized accounts on my report. They are using automated systems to run my report and that is not effective enough when protecting my privacy. As the law states, I have the right to know how the credit reporting agencies are doing their due diligence and investigation on these damages. According to 15 US Code & 1681N ( b ), these damages need to be paid for up to {$1000.00} or as the law will allow. Ive paid many application fees for credit cards and rental just to find out that unauthorized accounts are being reported. I have wasted time and money that I can not get back. I am demanding remedy per Law. As this is my 3rd time trying to remove these items so I can buy a home. This is not right and going against my federal consumer rights. This is causing emotional and mental stress and a lot of my time as of now. These companies and the credit bureaus are being sued for such damages already. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing litigation against this if these items arent removed and blocked immediately and willing to do whatever I need for justice
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SSN : XXXX DOB : XX/XX/XXXX Dear CFPB, I hope this letter finds you in good health and high spirits. I am writing to formally dispute several entries on my credit report and kindly request your assistance in enforcing my legal rights as a consumer. The following accounts, listed with their respective creditors, have had a profound and detrimental impact on my life : XXXX : Account number : XXXX XXXX XXXXXXXX : Account number : XXXXXXXX XXXX XXXXXXXX : Account number : XXXXXXXX XXXX  : Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX | XX/XX/XXXX These entries on my credit report have had a devastating impact on my life. I'd like to share with you a personal story that illustrates the emotional toll this situation has taken : Several years ago, my family and I experienced unexpected financial difficulties due to a medical emergency. As a result, we struggled to make ends meet and fell behind on some of our financial obligations, including those listed above. While we worked tirelessly to resolve these issues and eventually succeeded in getting our finances back on track, the lingering effects of these accounts on my credit report continue to haunt us. 

Despite our efforts to rectify our financial situation, these accounts remain unverified, inaccurate, and unfairly represent our financial history. This has made it nearly impossible for us to secure affordable housing, obtain loans, or pursue opportunities that require a favorable credit standing. The weight of these unjustly reported accounts has caused immense stress, anxiety, and feelings of helplessness for my family and me. 

In light of the violations I believe have occurred, I kindly request your assistance in enforcing my legal rights under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws. Specifically, I request that the respective creditors remove these unverified accounts from my credit report, as they have failed to provide accurate and verifiable information. 

I understand the importance of accurate credit reporting and its impact on the financial well-being of consumers. I am committed to resolving this matter in a fair and equitable manner and am grateful for the Consumer Financial Protection Bureau 's support in ensuring that my rights as a consumer are upheld. 

Please feel free to contact me at [ Your Phone Number ] or [ Your Email Address ] if you require any additional information or documentation related to this dispute. I appreciate your attention to this matter and look forward to a swift resolution. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

In XXXX I received money through XXXX and they restricted my account asking for personal information about who was sending me the money, then I received an email saying that I can continue using the account. In the month of XXXX they closed my account and they still haven't returned my money
Product: Debt collection

Without any prior correspondence, I was erroneously sued and served ( & previously harassed outside my home on multiple occasions by the person trying to serve me ) by XXXX XXXXXXXX XXXX, XXXX on XX/XX/XXXX. The documents provided did not match my name, birth date, social security number, nor have I ever had a credit card with the company alleging the debt. 
My name is similar but the spelling is different. No attempt was ever made to confirm I was in fact the person they allege holds the debt. 
I called the attorneys office, XXXX XXXX XXXX XXXX XXXX XXXX to clear my name. They confirmed that my name, birth date, and last 4 digits of my social did not match the person they were looking for. They asked me to send them a copy of my drivers license and copy of my social security card to which, upon legal advice, I was advised not to do. I did send them an email stating that I was not the right person and had spoken to their representative who agreed I was not who they were looking for and asked to be released from the lawsuit. I never heard back from anyone regarding this matter until XX/XX/XXXX, an entire year later, when the attorneys sent me a Notice of Deposition in the mail. I called their office again and they agreed, again, my records do not match theirs and saw the notes in the file where I had called a year prior and they agreed then that I was not the person who holds the debt. They asked me again for proof to send a copy of my drivers license and social security card to which I told them I was not going to do that as I was not comfortable giving them sensitive information and was given previous legal advice not to send it to them. Why would I send people who clearly can't get a name correct my sensitive personal information?? They had no other options for me so I am now contemplating a countersuit. How negligent and unethical could two parties be?? You can't just pick a person out of thin air with a *SIMILAR* name.
Product: Credit reporting or other personal consumer reports

Subject : Request to Correct Inaccurate Name Reporting on Credit Report To Whom It May Concern, I am writing to request assistance regarding an ongoing issue with The credit bureau inaccurate reporting of my name on my credit report. Currently, The credit bureau is listing my name in several incorrect variations that do not match my legal name and have not done so for over XXXX XXXX This has caused confusion and complications in verifying my identity and in managing my credit. 

My legal name, as stated on my XXXX XXXX XXXX XXXX XXXX XXXX, is XXXX XXXX XXXX. I have contacted The credit bureau multiple times in an effort to have this corrected, but no action has been taken to resolve the issue. I am requesting that my name be updated in their records to reflect my legal name accurately. 

Please let me know if any additional information or documentation is required to assist in resolving this matter. I appreciate your assistance in ensuring the accuracy of my credit report. 

Thank you for your attention to this issue.
Product: Credit card or prepaid card

Hello- my name is XXXX XXXX and Ive been attempting to get a replacement cash app card for Cash App quite some time in order to receive the stimulus payment. Am discovering that since XXXX my brother XXXX XXXX in conjunction with a friend on XXXX XXXX and number of other people have been accessing my account and basically stealing any funds that are due my way. I close the account and reopen but they have it direct deposit linked to a card which does not belong to me. They have done this with countless other companies as well, then phone in to say Im the one doing fraud which is false. Am trying to clear my name but its been difficult when 10-20 people are calling in or emailing to lie about me at once versus my one phone call or email at a time which I can send in.. thank you for your time.
Product: Debt collection

i ended my duke energy account as of XX/XX/2019 due to moving out of my apartment. i had paperless billing with XXXX XXXX and my phone number was linked to my account. i called XX/XX/XXXX XXXX XXXX  to give my new address and to advise my service would end on XX/XX/XXXX. i had a deposit of {$200.00} on the account. after i moved out, i never received a bill, email nor phone call. i made the assumption that the deposit covered any remaining bill. i received a credit alert today from a collections account helvey associates stating i have a collections account from XXXX XXXX. i asked if this is paid will it be removed due to lack of due diligence, they said no. i am disputing the lack of due diligence. i am a veteran who is trying to get a house, been cleaning up my credit and finally in the position to do so until 20 pt drop in credit score due to this. again, i am asking that this be  removed because of due diligence violations. this is very detrimental to me.
Product: Checking or savings account

ON XXXX XXXX XXXX XXXX  NOTICED MY TD BANK ACCOUNT WAS DISCONNECT FROM MY EXPERIAN ACCOUNT WITH-OUT MY PERMISSION, I IMMEDIATELY CALLED TD BANK SPOKE WITH THEIR REPRESENTATIVE AN EXPLAINED MY SITUATION, TD BANK WOULD NOT RESOLVE MY PROBLEM OF RECONNECTING ME TO MY EXPERIAN ACCOUNT. 
 
I NEED HELP 
WITH THIS PROBLEM IT HAPPENS EVERY OTHER MONTH!