23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I received a call saying that my USBank account has been compromised and asking if I had authorized XXXX payment of {$3500.00} to a person in XXXX Florida to which I responded no. The person on the phone then had me access XXXX via my US Bank app. He then had me create a contact with my name and phone number and said that they would be a third-party coming in which is helping to transfer the money back to my self. As soon as I hit send the money was gone.
Product: Checking or savings account

I had been a customer of XXXX XXXX XXXX  of XXXX for several years until it changed to the XXXX of XXXX XXXX. During the first month of my checking account now being at the XXXX of XXXX XXXX, my XXXX direct deposit came through with no problem. By the XXXX day of that same month, my account became overdrawn ( which was something that happened every month for me trying to survive on XXXX ). The overdraft was always remedied at the beginning of the next month. FOUR days later, I received a notice in the mail that my checking account had been closed due to insufficient funds and subsequently charged off ... FOUR days! That happened on XX/XX/XXXX. I was not given the chance to rectify the overdraft before they closed my checking account. Nor was I given the chance to discuss the situation with anyone from the bank before they closed my account. My XXXX check for XXXX, that was sent to the bank, was mailed back to Social Security and it took two months, I think, to finally get that check mailed to my house. It's hard enough to try and survive each month with my XXXX check as it is. So you can imagine how incredibly difficult it was for me that XXXX to live off of nothing while that payment got bounced all over the place. Anyways, on XX/XX/XXXX, I received a statement from the bank ( which is now Simmons Bank ) showing where my account was closed and charged off on XX/XX/XXXX and then they apparently received another social security check of mine on XX/XX/XXXX ( that I knew nothing about and still have no idea what it was about ) for the amount of {$690.00}. They accepted that check ( even though they had closed my checking account and supposedly charged it off the month before ) and applied it to the money that I owed them for my overdraft. That left a balance of {$180.00} which when I called the bank and talked to the customer service person by the name of XXXX, he asked me if I received the cashier 's check for the balance. I told him I haven't heard anything from the bank since they closed my account back in XXXX of XXXX. Then he tells me that I wasn't even supposed to have received this statement that it was mailed to me by accident and I should just throw it all away. Of course, I still have questions about the balance left in the account which he told me he would have a supervisor call me from closed accounts to explain everything. Just like when my account was closed, I still haven't heard back from anyone and have no belief I will ever hear from anyone again from said bank. I have tried to open a new checking account at several different banks and got turned down by all due to having an outstanding balance at the XXXX of XXXX XXXX. But, according to this statement I just got, there shouldn't be an outstanding balance.
Product: Vehicle loan or lease

The vehicle is currently in charge off status and was purchased in 2020. They have been attempting to repossess this vehicle for approximately two years. I have a total of approximately 23 call recordings that show aggressive, harassing, abusive debt collection practices from Global Lending Services. In some cases they failed to mini marandize me, in other cases they were also exhibited racially abusive language calling me " Mr. [ First Name ] '' as opposed to " Mr. [ Last Name ]. '' The loan contract itself was completely unreasonable nearly doubling the retail sales price from approximately XXXX ( rounding up ) to XXXX after the vehicle is finally paid off. The overall car payment was an exorbitant {$500.00} per month and mixing in job loss due to discrimination caused the contract to nose dive. 

They filed on my credit bureau a charge off, however are still attempting to repossess from a destitute, borderline homeless man living out of a motel in a remote area of Ohio. I am requesting that they stop all repossession activities, the vehicle should have been seized about a year or more ago. 

Each time I would speak with them, I felt fear and every time the call ended, I would notice my psychological health deteriorate. High levels of shaming and aggression due to a financial problem that was entirely not my fault. 

XXXX  is very cruel, selfish, insensitive company with no empathy or compassion for what people go through during difficult times.
Product: Credit card or prepaid card

in communicating with American Express, it has come to my attention that my consumer rights are still being violated. American Express has consistently avoided providing me with the information originally requested in the original communication. Statements is not a means to verify and validate an alleged debt. American Express is not adhering to federal law because they are constantly choosing to send documents that have nothing to do with debt validating. 

please refer to the attachments for the account identifier number that being requested.
Product: Vehicle loan or lease

I contacted Ally for a payment assistance and I submitted the paperwork on XX/XX/XXXX. I called back on XX/XX/XXXX requesting the status. I was told it was approved so I asked about the payment due and was told that because " you attempted a payment and it was rejected that's all we needed so the payment would be added to your next payment due. You do not need to resubmit the payment. '' That immediately sent red flags and I asked for something in writing to confirm that my request was received and approved but I am being denied my request and being referred back to the document I sent in. In XXXX, I went on a payment assistance program for my car and when it was over, there was a lot of confusion because Ally does not send any confirmation out and it's my word against theirs. All I am asking is for a simple letter stating that the payment assistance was received and approved, for the dates, and confirming the amount owed. I even asked if someone could stamp the document I signed and faxed back and I was told no. This is making me uncomfortable because there has to be someone who can provide a confirmation of change especially since this is relating to something financial.
Product: Vehicle loan or lease

I initiated my return with Fair corporation on XX/XX/2020. They were to pick up the car within 3 days. It took them 8 days ( for which I had to maintain all liability insurance ). During this time since the car was still in possession they drafted a payment from me but assured me theyd backdate the billing and refund me the full amount owed. The car was in excellent condition ( I have video and photo proof ). I have called Fair many times over the past two months and there is always an excuse as to why they are unable to refund me. A ticket has been entered for my issue as of XX/XX/2020 # XXXX. I called back on XX/XX/2020 and filed a complaint as I was told no one had even looked at the ticket. The representative escalated my concern to a complaint and yet, here we are at the end of the month and again they have not contacted me nor have I been refunded. They stated there is an internal issue with their billing system but that is not my problem. They are withholding {$650.00} from me during a pandemic and at XXXX time with zero sense of urgency or care now that Im no longer a client of theirs.
Product: Credit reporting or other personal consumer reports

I've reviewed my consumer reports and noticed that I had four late payments on XXXX XXXX Account that I was never late. 
following accounts on the following date ( s ) : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and me. 

Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15. 

If proof can't be provided I demand these payments be updated as paid as agreed on time as they should be due to the fact I was never late.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been disputing my XXXX account that is on my credit reports. The account has never been paid late ... XXXX has investigated this and corrected it to show as a positive account however upon reviewing my XXXX credit report today XX/XX/XXXX it is still showing as a negative account and will go to positive in the year XXXX. This is hurting my credit with this account reporting incorrectly. I have disputed this numerous times it has never been paid late.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureau is required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : DPT EDXXXX XXXX, DPT EDXXXX XXXX , DPT EDXXXX XXXX and XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). 

Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items. 
XXXX.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated.

3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case.

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX XXXX XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 

XXXXXXXX XXXX XXXXXXXX XXXX ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 


Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft.

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

On or about XX/XX/XXXX I received notice that my credit card ending in XXXX will be closed as of XX/XX/XXXX. The adverse action notice claimed that the Creditor has contacted a consumer reporting agency ( without permissible purpose ) and used the information found there in making their decision to close my account. The account has been open and in good standing since XXXX, however inaccurate credit reporting suggests the account has been current and on time as of XXXX. I am being treated less favorably than other applicants and I am concerned about discrimination within this relationship. The letter did not state specific reasons why the creditor has decided to close my account. I called the number provided and I was told there is nothing I can do except wait until XX/XX/XXXX to apply for an another credit card. This decision will negatively impact my ability to cover cost for personal, family and household purposes, especially with a new born in home. I have not asked for a credit limit increase ; I am asking to keep this account open. During the phone call today, reference number XXXX I even paid the balance down to {$0.00} with a payment of {$1400.00}
Product: Checking or savings account

I called ally Bank to let them know that the 1099 INT for XXXX was not correct. They did not agree. I told them that if you add up the interest for the Year XXXX it did not add up to {$2100.00}. This is the amount added to the account when the CD matured not what was earned in XXXX. They opened a case in the beginning of XX/XX/XXXX on XX/XX/XXXX Ally Bank said the 1099 was correct and they closed the case.
Product: Credit reporting, credit repair services, or other personal consumer reports

What happend this it all about a utility bill, so I 'm going to describe what happend I moved from my previous address at the end of XX/XX/XXXX so I called the pse and g which is the electricity company to disconnect the service and to send md the final bill to the address I gave them that time, so they send it to me I do n't remember exactly the amount but it was 100 and some dollars so I paid it by money order and send it by the mail, at XXXX I moved to Maryland after year and half even more I get a letter in my mail from a company called XXXX XXXX XXXX that I have collection of XXXX so I called them they told me this from past due electricity bill so told them ca n't be true because I have paid it anyways to have less headache I paid it same day and they told me we will send you a letter that you paid it but Even tho I paid it the damage is done because Already they report it to transunion, now my issue why the electricity company did n't contact me or send me the bill they assume that I owe before send it to collection agency and even if they send it to collection agency by law they give 30 days before report it to transunion and this company XXXX XXXX send me the mail at least a month late and when I asked them why they say we were looking for your address are you kidding me it 's unprofessional at all anyways I hire a company called XXXX XXXX XXXX to remove it from my report now it 's been paid since XX/XX/XXXX and they never remove it and it 's unfair because I work so hard to keep my credit report clean, I blame the pse and g and the XXXX XXXX for this because if I knew for one second that I have a bill I have to pay I would pay it right the way so it 's there fault from not notify me, now please I 'm asking for your help because I tried so many times with transunion to remove it by sending them letters and XXXX XXXX XXXX as well send them letters and nothing happend so now XXXX XXXX XXXX send them again notarized letter for the fourth time and usually it take 30 to 60 days from them to respond but they did n't thank you again for this opportunity to help me fix this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  Account Number : XXXX Delete this account. 
2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  Account Number : XXXX Delete this account. 
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 Account Number : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX XXXX, MO XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, MO XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, MO XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, MO XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, MO XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, MO XXXX XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report.
Product: Vehicle loan or lease

I refinanced with a new company and they funded on XX/XX/21. I tracked the payoff funds and confirmed they were received. Ive been trying to get them to update my account to paid and close it since I now have a new lender. They wont apply the funds and instead are holding them and trying to continue to collect monthly payments stating they will pay me back the over payments once they decide to apply the payoff funds they received. I read other people having the same issue and then struggling with getting their over payment funds back from this company. They need to be held accountable for scamming people, I want them to credit my account with the payoff funds they received and transfer my account to my new lender.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax after several complaints about incorrect information involving   XXXX   XXXX  ,  XXXX   XXXX ,   XXXX   XXXX   Equifax keeps opening closed accounts and showing us as overlimit on a closed account while I and my wife are in chapter  XXXX  bankruptcy. the following is occurring without proper correction,   XXXX   XXXX   should be open and current and is showing closed and  one  missed payment we have never been 30 days late ever on it,  XXXX   XXXX  showing open and current they are closed and part of chapter  XXXX  to be discharged when chapter  XXXX  completed.   XXXX   XXXX   started open and 109 percent over the limit now its shows closed and  109  percent over the limit. all this is totally incorrect and driving my credit down below what it should be with misinformation. and after continually disputing them all the they can find is the debts are mine. well duh they refuse to make the correction without admitting errors
Product: Debt collection

i wrote a letter saying that it was not my debt and i was fighting it and never had a XXXX account and never been with who the account was with
Product: Credit reporting or other personal consumer reports

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the fraudulent items.The following accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported.These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report.
Product: Credit reporting or other personal consumer reports

I have been back and forth with XXXX for over a year about their account reporting on my credit report. Acct # XXXX was closed and written off for {$910.00} and sold to XXXX XXXX XXXX. I paid XXXX  and as agreed, they erased it off of my credit report, but XXXX is still reporting it as a charge off account on my credit report when legally once they sold my debt to a collections, and charged it off, they should have stopped reporting and removed this account from my report. My XXXX  account that was connected with this account is XXXX in which again I paid the debt. I verified with XXXX  that they are not reporting any longer and the debt has been satisfied. XXXX needs to take this account off of my report immediately.
Product: Credit card

US Bank has engaged in deceptive advertising. They enticed me to sign up for their credit card and pay an annual fee with promised benefits, and then took away the most valuable benefit -- the XXXX " free night '' benefit. This is wrong and dishonest.