23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

BB & T 's fraud company called me in XXXX regarding a series of attempts by a vendor to submit charges against my checking account. The dollar amounts were random. Once contacted by the fraud dept. I informed them that the charges were not authorized and I closed the debit card to prevent further access. A complaint was filed with the fraud investigation dept. within 24 hours. 

Later in XXXX, I 'm sitting in my branch handling business and was told that my checking account was overdrawn by {$600.00}, I was shocked because, as a banker myself, I manage money well. I called the corporate office to inquire and was told that the fraud investigation did not rule in my favor because the vendor provided a contract for charges that BB & T says justified them releasing funds that were not on deposit. This is the same vendor who tried to process numerous charges unsuccessfully. 
Come to find out that my husband canceled the event in sufficient time based on said contract. BB & T did not have this information as part of their investigation. 
BB & T refused to allow the account to be closed until the {$600.00} overdraft was paid. They assessed a {$21.00} fee. 
Last week ( XXXX/XXXX/2016 ) my husband tried to retrieve money from another checking account at the same bank. The account was frozen. BB & T used it to offset the {$600.00} deficit in the other account. Thus, my husband could not access his payroll in order to provide for his family, pay his mortgage, and cover transportation costs to and from his job. 
My issue here is that BB & T is accountable for the {$600.00} that they allowed to clear an account that had less than a {$100.00} deposit balance. Further, the {$600.00} charge was unauthorized by the consumer and BB & T was aware of it. Rather than admit their mistake ( and let the consumer and the vendor work out contract disputes ), they chose the low hanging fruit and stiffed the consumer by taking money from an unrelated account with them. If their policy stands, then it makes no sense that my husband can not cash his payroll check at his BB & T branch unless there are sufficient funds on deposit to cover it. In fact, BB & T 's branch manager told my husband that the bank 's policy, if it were properly followed, would have prevented a {$600.00} transaction to clear if the account balance was not sufficient to cover it. The transaction should have been disallowed and the customer charged a {$35.00} overdraft fee. There were no other charges that did not clear other than the {$600.00} that BB & T approved. 
These tactics have caused my husband and I financial harm since he was not prepared to lose an entire week 's pay but had no choice. The bank got their money at our expense. 
My request is that BB & T be held accountable for allowing an unauthorized charge to overdraw our account and to return the {$600.00} to the consumer. We are a two-income household and I have been looking for work since XXXX. Every dime counts to keep this household afloat.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Disputing error [ s ] on credit report Convergent Outsourcing I am writing to request a correction of the following information that appears on my [ XXXX, XXXX, Consumer Report ] I would like you to remove all the inaccurate and misleading information from my credit report. The reporting details have adversely affected my credit worthiness and hampered my chances of acquiring a home loan. I do not have a place to go. I was in the process of closing on the home and now Im unable to with this collection on my account. 

I have paid and settled the debt the first day of receiving the debt notification that was paid on XX/XX/2023. Convergent Outsourcing has closed out my account the debt is now settled and closed. 

I am requesting a courtesy removal to remove both collections account from XXXX XXXX XXXX account. This will continue to affect me for 7 years. Can you please remove both accounts as a one time courtesy so I may move forward with securing a place to live. Please, my family and I will not have a place to live. 



Please investigate this matter and delete the disputed item as soon as possible. 


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

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

I submitted a letter to the XXXX and Equifax Credit Burea XX/XX/2022 to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and Equifax are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 
XXXX XXXX XXXX XXXXXXXX Date Opened : XXXX Balance : {$24000.00}
Product: Debt collection

Collection Bureau of Hudson Valley keeps calling my house seeking someone we do not know. Rather than find the correct debtor, they continuously call us. The most recent call was on XX/XX/19 at approximately XXXX.
Product: Debt collection

Received a letter on XX/XX/2020 ( dated XX/XX/2020 ) from a company called Amsher saying that I owed {$160.00} to XXXX XXXX. I have NEVER had an account with XXXX, and I have {$0.00} debt. This is fake debt and an attempt to collect on a fake account. 

Info below : Original creditor XXXX XXXX XXXX Creditor 's Acct # XXXX Amsher Acct # XXXX Total due {$160.00} Phone XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX ( XXXX ) XXXX <<<<<<<<<< ( ADDRESSES ARE WRONG, PHONE NUMBERS ARE NOT MINE ) XXXX XXXX  XXXX {$12.00} XX/XX/XXXX <<<<<<<<<< ( NOT MINE, WHY WAS THIS NOT VERIFIED THROUGH ORAL OR WRITTEN COMMUNICATION, HOW IS THIS VERIFIED AS ACCURATE? 

XXXX XXXX XXXX XX/XX/XXXX <<<<<<<<<< ( NOT MINE, WHY WAS THIS NOT VERIFIED THROUGH ORAL OR WRITTEN COMMUNICATION, HOW IS THIS VERIFIED AS ACCURATE? <<<<<<<<<< XXXX XXXX XXXX {$0.00} XX/XX/XXXX <<<<<<<<<< ( NOT MINE, WHY WAS THIS NOT VERIFIED THROUGH ORAL OR WRITTEN COMMUNICATION, HOW IS THIS VERIFIED AS ACCURATE? <<<<<<<<<< XXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX <<<<<<<<<< ( NOT MINE, WHY WAS THIS NOT VERIFIED THROUGH ORAL OR WRITTEN COMMUNICATION, HOW IS THIS VERIFIED AS ACCURATE? <<<<<<<<<< XXXX  XXXX {$2000.00} Date Opened XX/XX/XXXX <<<<<<<<<< ( NOT MINE, WHY WAS THIS NOT VERIFIED THROUGH ORAL OR WRITTEN COMMUNICATION, HOW IS THIS VERIFIED AS ACCURATE? XXXX XXXX XXXX XXXX, XXXX XXXX Account Type FHA Mortgage Balance {$0.00} Date Opened XX/XX/XXXX <<<<<<<<<< ( NOT MINE, WHY WAS THIS NOT VERIFIED THROUGH ORAL OR WRITTEN COMMUNICATION, HOW IS THIS VERIFIED AS ACCURATE? <<<<<<<<<<
Product: Debt collection

Dear Sir/Madam, I am writing to formally dispute the information reported in my credit file. After thoroughly reviewing my credit report, I have identified inaccuracies that I believe are a result of negligence and non-compliance with the requirements outlined under the Fair Credit Reporting Act ( FCRA ), specifically Section 1681o regarding civil liability for negligence. Disputed Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The items in question have been reported inaccurately, and despite my best efforts to resolve this matter through previous communication with your agency, the necessary corrections have not been made. Under Section 1681o of the FCRA, I am entitled to request a proper investigation and correction of inaccurate information. Moreover, I believe that your failure to fulfill your obligations under the FCRA constitutes negligence, which exposes your organization to civil liability for any damages resulting from the errors in my report. According to FCRA Section 1681o, any person who negligently fails to comply with any requirement of the Act can be held liable for actual damages, and I am requesting the following : Immediate investigation and correction of the disputed items. A written explanation of the actions you have taken to resolve this issue. Compensation for any damages incurred due to this negligent reporting, should the inaccuracies not be resolved in a timely manner. I expect that you will take the necessary steps to investigate this dispute and correct any errors in accordance with the FCRA. Please provide me with a written response to this matter within 30 days from the date of this letter. If you fail to resolve this issue within the prescribed time or continue to report inaccurate information, I will have no choice but to take further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and seeking legal remedies under FCRA Section 1681o. Thank you for your prompt attention to this matter. I look forward to your timely response. Sincerely, XXXX XXXX
Product: Debt collection

i9 went to court over XXXX XXXX XXXX becouse the XXXX lord that owned my building expected me to shell out XXXX dollars a month to live in a building that was falling apoart around all the tenants mold in the walls growing out the bottom ants every were no mater hoe clean everything was black oily substance leaking into my bath and shower water wich made it imposible to clean urself went to court and paid XXXX dollars to get out of the lease they shouldnt be able to charge me for fixing all those problems after i moved and thats what this collection is
Product: Credit card

Good afternoon, I had a credit card account with XXXX XXXX XXXX XXXX credit card and have been a loyal customer since 2022. My balance is due on the XXXX of every month and I wanted to make an *early* payment on XX/XX/XXXX of {$2600.00}. This amount was not due, I was making an early payment. 
I am a graduate student and was in the process of transferring funds into my checking account that did not have the full {$2600.00} in, so my payment was returned to Capital One. I retried this payment, again, still early, on XX/XX/XXXX which did in fact go through. Since there was an " insufficient funds '' returned payment to capital one, they closed my account without warning. Along with the account closure they took over XXXX miles in bonuses that I had on my account, worth over {$1000.00}. Along with that, I have already paid the {$390.00} credit card fee for the year, which is also not being prorated. 
When I called and asked why my account was shut down I was met with answers regarding my account from a year ago, but not for this instance where I tried to pay my credit card bill early. I had also asked why I was not given any notice or warning of account closure if this were to happen, and they were unable to provide me with reasoning. Rationally, it would seem to be in a company 's best interest to provide you with some sort of email of possible termination -- so this seems like ill intent. 
As a grad-student pursuing my XXXX outside of the continental XXXX I rely on those credit card mile points to see my family during breaks. Now without notice I do not have access anymore to over {$1000.00} for flights, as well as already having paid almost {$400.00} in a credit card fee. 
Thank you for taking the time to read this complaint.
Product: Money transfer, virtual currency, or money service

PayPal has decided that I am unable to do business with them when I never did anything wrong throughout my whole time on their application. For every item Ive sold I shipped within days provided tracking numbers and buyers have received all products within a timely fashion. Ive never sold unauthentic product on their platform but I am still being penalized by being told my account can no longer do business with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX XXXX I lost my job, and XXXX repossessed my car. I tried my best to have the car reinstated, but I was unsuccessful. This repossession on my credit report killed my scores tremendously and I was unsuccessful obtaining credit anywhere. In XXXX and XXXX, I started working hard to catch up on debt, and reestablish myself so that I may become credit worthy again. I reached out to XXXX multiple times to try to find out what happened to the car because I did not receive anything from them explaining to me what was going to/what happened to the car They not only denied me access of buying back the car, they also never gave me the chance to reinstate the car. In XXXX of XXXX, I pulled my credit report and saw that the car was still listed as open, and in repossession. And Every month it reported as being late. I disputed the account with XXXX and the credit bureaus and according to them the account is reporting correctly. But how is this so when the account is reporting different data to each furnisher? How is this so when the car was repossessed over 5 years ago? Was it sold, Shouldnt it be listed as a charge off? And if its a charge off, should it be listing late payments? When did the late occur? And why is the balance still the same, was the car not sold? Who was it sold to? Is the account charged off? If so, why is my credit reports stating different? Every month the credit bureaus are allowing this company, XXXX to report inaccurate, incomplete, unverifiable information. The open date is inaccurate, the close date is inaccurate, the status is inaccurate, the payment history is inaccurate the balance is incorrect, the date of last payment is incorrect and the date of last activity is inaccurate and each of these categories is reporting different data to each data furnisher month after month after month. For many years. This company is updating incomplete, unverifiable, and incorrect information every month. I have disputed these unverifiable inaccuracies in writing, on line, and by phone with XXXX, Experian, XXXX, and the company ; but yet these data furnishes still allow this company to destroy my credit worthiness by intentionally reporting incomplete, unverified, and inaccurate information every month for 5+years. This company is intentionally destroying my credit worthiness by intentionally violating the FCRA requirements by intentionally reporting incomplete, inaccurate, and unverifiable information. 

PLEASE HELP BECAUSE I HAVE SUBMITTED MANY DISPUTES BUT THE COMPANY AND THE CREDIT BUREAUS CONTINUE TO '' UPDATE '' THE ACCOUNT WITH INACCURATE, UNVERIFIABLE INFORMATION ALTHOUGH THEY CLAIM TO HAVE INVESTIGATED.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY XXXX rewards master card was charge doff and settled with XXXX, but XXXX converted the card to XXXX XXXX/XXXX XXXX XXXX and sold to XXXX XXXX XXXX XXXX. The account number is XXXX it has been settled and should be reporting a balance of XXXX but still reporting status as a bad debt and in collection on Equifax. The balance is being reported as {$2.00} even though the account has been legally settled. XXXX XXXX XXXX   XXXX.Has reported inaccurate information on my credit report and I want it fixed.This account has been settled on XX/XX/2018 for {$1500.00}. Wrong account status, show it is in collection with a balance when it has been settled and legally paid in full.
Product: Checking or savings account

My account had {$4600.00} when the account was closed without notice. I was notified by email that I would receive a check after 10 days. After 90 days I still have not received the funds. The account was actively used, had enough funds, never reported fraud, or suspicious behavior.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding my credit report and, specifically, the XXXX XXXX account identified with the number XXXX. Upon reviewing my credit report recently, I was dismayed to discover the presence of late payments listed in my payment history with this account. 

As a concerned citizen and in compliance with the Fair Credit Reporting Act, Section 1681 of the United States Code ( 15 US Code 1681 ), I would like to point out that I have never incurred any late payments with the mentioned account, nor with any other account appearing on my credit report. 

It is important to emphasize that I have the right to have my credit report accurately reflect my financial history. The late payments appearing on my credit report are not only inaccurate but also compromise my credit integrity and my ability to access financial services in the future.
Product: Debt collection

I was involved in a malicious wounding crime in XX/XX/XXXX that resulted in numerous medical bills. The judge ordered all medical bills to be paid by the guilty party. The bills were being charged to the victims protection fund at the time and being paid by them and then ultimately charged back to the guilty party. This bill was charged to me and was still paid by the victims protection fund, but sent to collections inXX/XX/XXXX and still shows on the collections portion of my credit report. This debt was not mine and was still paid. It should have never been sent to collections and should have never been assigned to me by law.
Product: Checking or savings account

On XX/XX/2023, the Capital One Branch in XXXX XXXX NY inappropriately restricted access to our funds. We requested a cashier 's check during normal business hours and were told that they were out of checks. Subsequently, we were told that they had the cashier 's checks, but they were locked in a vault and nobody on duty could access them. We asked instead for a wire transaction to be processed, but were informed that the dollar amount we requested exceeded their wire limits and that they would only wire 1/3 of our requested amount. The bank 's suggested driving to their XXXX NYbranch at rush hour, 15 minutes away with no traffic. This was completely out of our way and with rush hour traffic there was no guarantee that we would have made it to the location prior to it closing. As such, our transaction is delayed, resulting in undue burden on the parties involved. Spoke with Branch Manager who did not understand the inconvenience it caused and proposed no practical solutions to resolve the problem other than to delay our transaction.
Product: Credit card or prepaid card

I applied for a American express business platinum card in mid-XXXX  while I was visiting XXXX. The site stated it would award XXXX membership reward points. Meanwhile, American express sent me a solicitation email promising to award XXXX points. I called AMEX and sent all the required documentation. I didn't hear from AMEX. I called after a month and explained and provided more details. I didn't hear anything. I called again and was told the solicitation was not meant for me. How is it possible when the letter is sent to me. I was promised I will receive an email within a week. So far I haven't received any email. I am contesting, AMEX 's argument that it was not meant for me. In that case why did it send me the mail, wasted my time, and resources to shred the letter. AMEX is ingenuous about the whole situation and trying to stiff the customer.
Product: Checking or savings account

I called in on XX/XX/2023, here 's what happened and the information to get this issue solved. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX. Fraud Claim ID : XXXX XXXX. Account Number : XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- --- Yes, I know my Chase checking account XXXX is overdrafted and closed by Chase by it is because I did not get a proper investigation into my fraud claim, the system automatically declined it and overdrafted my account. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -I faxed in a letter from the TSA proving that my wallet which contained my vital documents along with several credit/debit cards from Chase and other companies, proving that I did in fact get my wallet stolen and a letter addressing to Chase to reinvestigate XXXX when I called in to confirm my fax, they automatically declined it, what else do you knuckle-heads need? The TSA letter should be way more than sufficient to prove that my wallet was stolen, I sent the same letter to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and they all kindly did an investigation and the results were that it was indeed fraudulent, they all refunded my money but Chase. Please make this right. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -What else have I included in the attached section? 
A police report because since you won't take the TSA letter from the manager at XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax on XX/XX/18 and asked for the process of disputing inquiries on my account that were not authorized by me. I was told to contact each merchant which is over 20 different establishments as Equifax could not do anything. I contacted the merchants whom told me they receive notifications from Equifax and then respond from there and that I can not initiate any disputes for them. This has been frustrating and Equifax is less than helpful. They dont care or show any concern for customers or their privacy. They give you the same robotic response that It will stay on your report for 2 years. They dont even attempt to look into your issue to resolve or rectify the situation. This is an illegal business practice as the FCRA was established to prevent such impractical methods.