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

I deposited a {$5200.00} check at the branch on XXXX/XXXX/2016. The Branch manager that came to sign off on the check told me that it 's asking for a 7 day hold due to negative balance and past overdraw charges. The issuing bank for the check for the insurance company was XXXX XXXX and I told her I can go to XXXX and cash the check at the bank and deposit the cash do do n't have to wait 7 days, and then she said she would sign off for the funds to be available on XXXX/XXXX/2016. I asked her if she is sure, since I need to write bills and she said yes. On Monday XXXX/XXXX/2016 I called the Bank and asked why the hold was not released I was advised they are unable to release the hold until 5 business days after the deposit date and to call back Tuesday the XXXX/XXXX/2016. I called on Tuesday and was told to call back on Wednesday, so I called today on XXXX/XXXX/2016 and was still advised the hold will not be released until Friday XXXX/XXXX/2016. It has been already 7 days since the deposit and 5 business days and hold has not been released after I have been promised it would. I got another check from the insurance company and had to go to XXXX XXXX to cash the check and make a cash deposit of {$2800.00} on Monday XXXX/XXXX/2016 to cover the negative balance since the hold was not released on XX/XX/XXXX as I was promised and the account went negative and I was charged fees. The insurance checks were a payoff for my motorcycle and I 'm purchasing a new one with the proceeds I got. I want a refund for all overdraft charges on the account from XXXX/XXXX/2016, the date I deposited the check and I need at least XXXX of the funds to be available on Thursday XXXX/XXXX/2016 for my down payment. Otherwise, I 'm going to miss the incentive promotion that the dealer has going, XXXX off the value.
Product: Debt collection

Many issues have occurred with this vendor, first they called both my husband and I at XXXX local time today XX/XX/XXXX, secondly we had not received any notification in writing before these calls started ( she admitted the first date they sent an invoice was XX/XX/XXXX which is a Sunday ) and as of yet, I have not received it. Her words were also trying to deceive making it sound as though the debt was already in hard collections, and as if I did not have my 30 days to rectify before hitting my credit report, after pressing the issue ( since I work in XXXX XXXX XXXX  ) she backed off a bit with the truth. Ultimately very dishonest business practices.
Product: Student loan

I will be looking for any other outlets I can report this company with. Normally, I do n't even bother writing reviews, but the service of this company is so poor that I felt obliged to. Like others, in the beginning I had received the 2 months past due warning without ever receiving information on how or where to pay, or even getting a first notice. But by far the worst part is the atrocious website they have. I am going to attempt to contact any of their managers and challenge them to take a person off the street and have them navigate the payment info on their site. Let me clearly state the flaws ; problems that any respectable company would fix immediately : 1 ) There are issues setting up recurring payments, where is does n't accept the pay date.
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2 ) If you set up a recurring payment, good luck trying to figure out how to cancel it. I had to call the representative on the phone to cancel my payment so that I could use a different bank account. And even then they made me go back to the website to fill out the new info, which was still not accepted.
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3 ) Ca n't find any billing information besides how much I have paid each month. I am an engineer, and I ca n't find my billing information on this website. Why on Earth would you not give people info like which bank they are paying from, or billing address, or anything.
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4 ) Since you ca n't see which recurring payments you have, it is possible and very easy to accidentally set up multiple recurring payments. I have been double charged because of this in the past.
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May XXXX help you if you are like the rest of us and have to deal with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX : Account # XXXX, has violated my rights. 

This company continues to report a 30 day late payment to Experian, XXXX and XXXX from XXXX of 2022. 

15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

- I never gave these written instructions. & also.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

-I was never given the opportunity to agree or rescind that this information be reported to a credit reporting agency ; nor was I given the opportunity to deny. I have the right to privacy, and what goes onto my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. the fair reporting act. 
XXXX XXXX Account number XXXX Date opened XX/XX/XXXX. XXXX XXXX Account number XXXX Date opened XX/XX/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 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 seven years.

i did not give written consent also these accounts are fraudulent these accounts where disputed years ago and the reporting agency still have not deleted these accounts listed this is a violation to my rights please delete asap
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is a closed account and shows a Balance of {$3700.00}. 
XXXX XXXX XXXX was reported on in XX/XX/2016, and now states an open date of XXXX XXXX, which is completely false and inaccurate. I have no knowledge of either account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX Account # XXXX by 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 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 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.
Product: Vehicle loan or lease

I bought a car through XXXX on XX/XX/2021 which I financed through USAA. The contact info for XXXX is XXXX XXXX XXXX XXXX XXXX XXXX, TX. XXXX ( XXXX ) XXXX and ( XXXX ) XXXX Fax. The amount for the car was listed at {$43000.00} before I requested tax, tags, and title pricing to be added bringing the total amount due to {$47000.00}. It has been a total of roughly five months and XXXX has yet to cut me a check for the amount of {$3300.00} which I am owed. I have contacted the company at least sixty or more times about this and it is yet to be solved. It seems as if they have decided to take my money from me. Please help me. ;
Product: Credit reporting or other personal consumer reports

RE : XXXX Block Request To Whom It May Concern, I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX - XXXX - XX/XX/XXXX - {$6800.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$21000.00} XXXX XXXX XXXX - XX/XX/XXXX - {$390.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$14000.00} XXXX - XXXX - XX/XX/XXXX - {$1700.00} XXXX - XXXX - XX/XX/XXXX - {$320.00} XXXX XXXX - XXXX  - XX/XX/XXXX - {$8300.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  Account # XXXX, # XXXX, # XXXX, and # XXXX I do not recognize how these four accounts are reporting on my credit report. I do not recognize the account numbers, account status, account high balances, or late payments associated with them. Everything reported here does not meet FCRA. 

Additionally, these accounts are listed as a charge-off on my credit report, however a balance is still being reported. I never received a 1099-C any of these four account. 

Furthermore, each account is riddled with inaccuracies across the three credit bureaus. These accounts must be removed for this fact alone. I am entitled to a fair and accurate credit report and this is far from it.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims. adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's finding indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

Between XXXX of 2018 and XX/XX/2018 I accrued a number of medical charges due to XXXX XXXX, a XXXX XXXX, a hospitalization, and a serious illness. 

XXXX XXXX I had both Medicare/Medicaid and employee XXXX.All of my bills were paid and deductable settled.When I ended XXXX XXXX, my co-pays were minimal. 

It took a great deal of effort on my part because both insurance entities were making error after error. It was really appalling. However, I finally documented that everything was paid. I got an email from XXXX XXXX XXXX saying my balance was XXXX. 

I got a phone call from Diversified a collection agency. They said this account was placed with them. I explained that it was paid and the rep said just wait a bit, it will drop off. 

I received two letters in XXXX from them. Both cite almost exactly the same amount owed, so two bills for over {$5000.00} total. Enclosed with each letter, I suppose as an attempt to document this claim, was a single sheet of paper with four collumns : entity name, amount, fees, total. 

There are just sums listed. No dates of service, no doctors names or procedure codes, nothing. These bills have been paid. I dont need to deal with this because its not owed. 

Further, they have not supplied legitimate documentation. I have hundreds of bills and lists of charges. How do i know what these sums represent. 

Please, please help. 

Thank you, XXXX
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any account listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. Here is the list of accounts that do not belong to me or were opened without my permission. XXXX  XXXX XXXX Balance Owed : {$270.00}, XXXX XXXX XXXX Balance Owed : {$51.00}, XXXX XXXX************** Balance Owed : {$270.00},
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> These Hard inquiries are hurting my ability to obtain credit. It's my understanding that you will investigate these items for me to ensure accuracy.
Product: Debt collection

XXXX removed from my credit report for identity theft and discover put it back I filed a police report and they still will not remove it
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a victim of identity theft and fraudulent accounts have been opened in my name .Early Warnings is still reporting information about me that is false from checking accounts that were open fraudulently. A XXXX Checking account was opened in the year of 2014. A XXXX XXXX XXXX checking account as well.
Product: Credit reporting or other personal consumer reports

I realized I Had unauthorized inquires on my account. I reached out the companies but have not received any response
Product: Debt collection

From : XXXX XXXX XXXX Date : XX/XX/2019 at XXXX XXXX XXXX To : " XXXX '' XXXX Subject : DOCKET NUMBER XXXX No mention of my name or account or my actual email address. Below is the complete message.

Message : CREDITOR : SPEEDY CAXXXX XXXXE Total Due Balance : {$760.00} ATTENTION : This Legal Proceedings issued on your Docket Number XXXX with one of SPEEDY CASH SERVICE. Company in order to notify you that after making calls to you on your phone number we were not able to get hold of you. So the accounts department of SPEEDY CASH SERVICE has  decided to mark this case as a flat refusal and press legal charges against you. 

We want to resolve this matter as quickly as possible and avoid further action, so we are proposing the following settlement offer : We have sent you this warning notification about legal proceedings but you failed to respond on time now its high time if you failed to respond in next 24 HOURS we will register this case in court. Consider this as a final warning. And we will be Emailing/ Fax this issue to your current employer to make sure they take strict against you. Your salary wages will be garnished. 

Do revert back if you want to get rid of these legal consequences and make a payment today or else we would be proceeding legally against you. And we apologies that this notification will also sent to your current employer. The opportunity to take care of this voluntary is quickly coming to an end. We would hate for you to lose the option of resolving this before it goes to the next step which is a Lawsuit against you, but to do so you must take immediate action. 

You can Email back to get the payment mode too. 

Upon receipt and clearance of your payments as agreed, we will notify our client to update its records accordingly regarding this settlement. 

WE MAY REPORT INFORMATION ABOUT YOUR ACCOUNT TO CREDIT BUREAUS. LATE PAYMENTS, MISSED PAYMENTS, OR OTHER DEFAULTS ON YOUR ACCOUNT MAY BE REFLECTED IN YOUR CREDIT REPORT. 

TERMS & CONDITIONS YOU AGREED.

By electronically signing this Loan Agreement by clicking the " I AGREE '' button below, you are confirming that you have agreed to the terms and conditions of the Consent and that you have downloaded or printed a copy of this Consent for your records.

IF YOU WANT TO RESOLVE CASE OUTSIDE OF COURT THEN CONTACT TO ATTORNEY : XXXX : XXXX Sincerely, XXXX XXXX
Product: Student loan

I received a call on my job today from XXXX XXXX, who is employed by ConServe. I have not given my work number to any agency nor permission to contact me on my job. The call was humiliating and embarrassing. My goal is to find out what my rights are legally. My major health issues and low paying job have prohibited me from making regular payments. The previous collection agency would tell me that I was refusing to pay loan when I did not make their minimum payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

William and Fudge is a collection agency that works for XXXX XXXX. I agreed to a payment plan with the Williams and Fudge collection agency to prevent any negative remarks from being reported to Credit Bureaus. The Williams and Fudge collection agency received my payment and then reneged on our agreement. I spoke to several rude and incompetent supervisors that work for this collection agency. XXXX XXXX was the main supervisor that was extremely unprofessional and rude. XXXX XXXX is the supervisor that reported the negative remarks on my credit report. I contacted XXXX XXXX directly and resolved this matter by paying the {$670.00} in full. The XXXXXXXX tech business office assured me that everything would be taking care of and the negative remark on my credit would be removed from my credit report. I received an email from the XXXX XXXX business office stating that the William and Fudge collection agency informed them that the removing of the negative items on my credit report would take 2-3 months to remove. Unacceptable!!!
Product: Checking or savings account

XX/XX/23 purchased groceries from XXXX for XXXX. 
XX/XX/23 XXXX was grocery total once picked up because they didn't have our creamer. Spoke with XXXX at XXXX on XX/XX/23 and she confirmed the XXXX was released back to our account on XX/XX/23. Chime took out the XXXX on XX/XX/23 eventhough the XXXX was already paid and released putting our account in the negative. Case XXXX XXXXXXXX through XXXX XXXX. Called them on XX/XX/23 and spoke with XXXX and she confirmed refund was processed as well. 
XX/XX/23 paid XXXX deposit to XXXX XXXX for hotel room. Spoke with XXXX at XXXX XXXX on XX/XX/23 and she confirmed the XXXX was voided and released back to our account on XX/XX/23. 
Spoke with 11 different reps at Chime on XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23 and XX/XX/23 all confirming the money will be released in 3 to 5 days and nothing. Reps kept telling us not to worry and the funds will be back in the account as soon as the merchants release the funds, which was on XX/XX/23 and XX/XX/23 as previously mentioned. 
XX/XX/23 we closed both of our accounts. Spoke with XXXX XXXX through Chime 's support chat and closed my account and spoke with XXXX at Chime on the same day and closed my husband 's account. 

It was hard to understand names of the Chime reps because they all had strong foreign accents, but the names sounded like XXXX, XXXX, and XXXX. We were put on hold numerous times and they kept telling us the merchant has not released the funds. None of the reps or managers seemed to know what they were doing. We went to bed with a positive balance on XX/XX/23 and woke up to a huge negative balance because Chime took out the funds again after they were both released by the merchants and refused to refund the money and admit their mistakes.
Product: Checking or savings account

I was charged inaccurately by XXXX, I'm XXXX and order online they charged my account on XX/XX/XXXX {$100.00} and {$51.00}. I called XXXX they said it was fraud and call my bank immediately, as I did I told them about those charges they did what is called a provisional credit, and they continued to overturn charges from XXXX and give provisional credits, XXXX had made mistakes on my orders which happens with them often I've called customer service they credit my original method of payment, they credited me on XX/XX/XXXX {$10.00} also on XX/XX/XXXX {$53.00} U.S bank came in on XX/XX/XXXX and did a reverse of provisional credit and took both of those credits which neither belong to them. I've called several times been on the phone gotten several different answers been treated rudely and dismissed by one 's that didn't want to do their job. I've also had them try and intimidate me as well as acuse me of changing my story. I had an issue previously regarding a provisional credit I never received I called them back they stated I never called, at that particular time my calls were being recorded by the police so I had evidence I had called the date time name down to the second, I was immediately credited. Their calls are recorded also so this shouldn't be to difficult to determine. Also they have done a forced post adjustment on XX/XX/XXXX for {$38.00} which I've called and received no response or resolution for, on XX/XX/XXXX I received a reverse post adjustment for {$51.00}. On XX/XX/XXXX I had called XXXX to complain regarding their delivery services and told them I'm hiring a personal shopper that I want my membership fee reimbursed they obliged due to their errors and I received a partial refund of {$51.00} which was part of my membership fee. Like I said before U.S bank came in and took that. I sold my house in XX/XX/XXXX I came into a branch to deposit my check at that time I had sat down with a branch employee and my father to put him on the account due to not knowing if I was going to live to see the funds dispersed due to the threats from my ex, at that time I was told that I was being switched over to the account I currently have where my monthly maintenance fee is reimbursed, months later I realize that's not the case and I go into a branch to straighten it out I had quit using the account and it was fees being charged making the account deficit, I told them exactly what the issue was and was told they would not close the account until it was brought current I said you owe me a year worth of fees for not changing the account like you said you did on the day I was here for a couple hours signing papers I was told to bad. I want my money straightened out and reimbursed and the account zero out and closed.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain items on my credit report that I believe are inaccurate, unverifiable, or outdated. As per my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I request an immediate investigation and removal of any items that can not be verified. 

Below are the accounts that I am disputing : XXXX XXXX XXXXAccount Number : XXXXDispute Reason : Late payment reported incorrectly in XX/XX/scrub>XXXX XXXX  Please provide verification of this late payment or remove it from my credit report as it is inaccurate. Additionally, under 15 U.S.C. 1681c ( a ), I am disputing any outdated inquiries or other inaccurate information on my report. Please investigate these matters and provide written documentation of the results. If these items can not be verified, I request their immediate removal from my credit report.