23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

In XX/XX/, the interest rate on my Discover credit card ending in XXXX, with the upcoming payment of {$230.00}, was due XX/XX/, which was paid. I called for a payoff balance of {$1000.00}, delivered via Cashier checks ( XXXX for {$10000.00} and check number XXXX for {$81.00}. These two checks were drawn fon XXXX XXXX XXXX XXXX ( my bank ) dated XX/XX/XXXX  and mailed priority mail that day to ensure their arrival before XX/XX/ per the representative I spoke with. Both checks arrive that Thursday. Discover processed the {$10000.00} and could not find the {$81.00} review until I called, asking why I still have a balance. They could not find the check until I filed a dispute for the missing check. Discover gave me a credit of half of what they claimed was still outstanding. XX/XX/XXXX XXXX I received an email stating that they found the missing check ; however, there is still a due balance on my account of {$130.00} when there should be a zero balance. Discover still charges me interest on a missing check they conveniently failed to post until XX/XX/, per my bank ( XXXX XXXX XXXX XXXX ). 
I spoke with a representative yesterday, and they were insulting, telling me that I still owe the outstanding balance because of the accrued interest, which I am disputing. 
What do I want? I want my Discover card balance to read zero because I have already paid what was owed and met their processing date of having the money in their possession. Next, I want Discover to reimburse me for the {$87.00} that I paid for the trouble they have caused me because if they can process one check, then why not both checks to pay off the outstanding balance? To me, this is an unethical way of doing business. It is borderline fraud. Lastly, I do not want a late payment appearing on my credit profile. I have an excellent payment history with Discover and my other creditors. 
Thank you.
Product: Checking or savings account

XX/XX/2024 unauthorized charges were made to my account by a merchant by the name of XXXX XXXX balance add. The account doesnt belong to me nor did I authorize this account to take money out my account and nor did I give them permission to access my account! I filed a dispute it was denied, I reopened the dispute with helping information as far as a police report and my bank statement from my XXXX XXXX balance stating that it wasnt my account who accessed the funds
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account NUMBER : XXXX Account Number : XXXX Account NUMBER : XXXX XXXX  Account Number : XXXX Account NUMBER : XXXX XXXX  Account Number : XXXX Account NUMBER : XXXX Account Number : XXXX Account NUMBER : XXXX Account Number : XXXX
Product: Money transfer, virtual currency, or money service

I am filing a formal complaint against Cash App ( Block , Inc. ) for actions that constitute violations of the Electronic Fund Transfer Act ( EFTA ), Regulation E, and the Consumer Financial Protection Act ( CFPA ). Specifically, the blocking of my account and the inadequate customer service provided have resulted in significant financial losses and adversely affected my financial stability.

Under the provisions of the EFTA, Regulation E, and CFPA, financial institutions are required to ensure the timely resolution of errors, provide access to funds, and maintain clear communication with consumers regarding account activity. In my case, these obligations were not fulfilled. Despite repeated attempts to address the issue, I was unable to obtain adequate support or resolution, which has caused undue hardship. 

I request appropriate redress for the financial and emotional distress caused. Furthermore, I urge the company to take corrective measures to prevent similar occurrences in the future, in compliance with the CFPA and related regulations. 

Thank you for your prompt attention to this matter. I look forward to your response and resolution within the timeframe mandated by Regulation E and the CFPA.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX XXXX XXXX -- {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX -- {$0.00} XXXX XXXX XXXX XXXX -- {$760.00}
Product: Debt collection

XXXX XXXX Original creditor passed a fraudulent debt on to MERCHANTS CREDIT GUIDE who has been harassing me non stop. I have no documentation of this debt on my XXXX XXXX XXXX coverage. I am ready to take this to an attorney. I want Proof of this debt
Product: Credit reporting or other personal consumer reports

Civil action number for complaint of permanent injunction and other relief from company responsable to obtain documents of injured income to support outgoing relief of identity theft records of important documents of claims from business accounts affected in the Equifax data breach report. Log in issues causing phones to get password hacked change the last 4 digits with 2 combinations of the last 2 digits from ongoing complaints of phone hacking of identity theft phones of late payment dues of up going prices of XXXX claims of retail dealers consumer business hotels and business accounts from XXXX data breach causing hackers to loose data breach identity theft reports on Equifax consumer employee data breach hacks.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : payments never late XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1900.00} Status Open. 
XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 

FCRA violations : inquires not mine XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

On the date of I believe my graduation party on what appears to be XX/XX/XXXX I sent my sister out with my debit card and phone to add the cash to my debit card from my graduation I had about XXXX dollars from my parents and relatives however I wasn't able to add that instantly so I sent my sister out to get some XXXX between 2 days put onto my cash app card however she would go on to later while I was sleeping use my phone keep in mind she's my step sister and XXXX XXXX  and is heavily self-centered not her own fault she would use my money on some kind of peer-to-peer trading platform that I'm not able to find out what it is to but XXXX dollars worth of XXXX  I wasn't aware of this because I don't use my cash app for anything other than subscriptions such as XXXX XXXX XXXX XXXX and occasionally restaurants or XXXX  there is no record of me buying XXXX  at any point that I remember I'm personally not interested in it and there is no way in the last 2 months that I have bought any XXXX  now cash app claims that quote on quote according to what I'm seeing that I authorize this purchase however I did not and I'm not sure what to do ... the {$700.00} was sent to somebody named XXXX XXXXe and I'm not sure who that is and I've never sent money to him at all until what apparently is XX/XX/XXXX at around XXXX and I'm not sure what to do... much help would be appreciated as when it comes to cryptocurrency there's not much I really can do and there's no way I can prove or disprove that I gave permission.
Product: Credit card or prepaid card

Hello, I ordered a HVAC unit from XXXX XXXX XXXX XXXX XXXX XXXX. The agreed upon terms were 36 months interest free. Prior to installation of the HVAC ( XX/XX/2022 ), I had to complete financing through XXXX / XXXX XXXX / SYNCHRONY BANK. I completed the credit card application ( XX/XX/2022 ), chose the 36 months interest free, and provided banking information to pay the credit card bill. 

The total charge for the HVAC was {$8500.00}. On the first billing cycle the entire amount was paid, not the minimum monthly payment. The full payment was completed on ( XX/XX/2022 ). I contacted XXXX / XXXX XXXX / SYNCHRONY BANK on XX/XX/2022 ) and they said they would refund my payment and ensure I made the minimum payments for the 36 months interest free arrangement. On XX/XX/2022, I followed up with XXXX / XXXX XXXX / SYNCHRONY BANK and they said that no refund was or will be provided to me. The chat lady said that she would request a check to be sent to me in 2-3 weeks and would only provide a chat confirmation number and no check or transaction number. 

Im a XXXX and XXXX XXXX XXXX  The XXXX / XXXX XXXX / SYNCHRONY BANK business practices are misleading and intentionally unhelpful. 

I specifically went with this HVAC vendor because of the favorable financing terms. This is a problem for me to solve and very bad for my finances. Please help me. 

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

I have reached out to XXXX sending the attached document via email and mail. XXXX has refused to remove this account that should not be reporting on my consumer report. XXXX  is in violation of several laws and I am demanding deletion of this account on my consumer reports. 

The reporting of these account ( s ) is/are violations of 15 USC 1681a , The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. Therefore this account should not be reporting on my consumer report. 

I have recently come across inform from the Federal trade Commission ( FTC ) more specifically the GrammLeachBliley Act 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) NOTICE REQUIREMENTS Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) OPT OUT ( 1 ) IN GENERALA 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.

XXXX  did not disclose this information to me that is required by federal law.

XXXX  knowingly and willfully withheld pertinent information regarding the disclosure of my information to affiliated and unaffiliated third parties.

XXXX  knowingly and willfully withheld information that explained how I the consumer can exercise that nondisclosure option.

I have also requested all correspondence sent via mail but XXXX  continues to email me. I do not monitor email and I need every communication sent via mail to my address on file with the company.
Product: Credit reporting

I have requested on 3 different occasions to have XXXX accounts deleted from my credit profile. The credit bureau continues to report them despite inaccurate information. XXXX XXXX and XXXX were never authorized to obtain credit file or insert items to credit file under any circumstances. XXXX and XXXX XXXX are fraudulent accounts.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding the mishandling of my account closure reporting by Truist Bank. On XX/XX/2024, at approximately XXXX hours, I made the decision to close my account with Truist Bank and received a {$20.00} withdrawal from the account at the time of closure. Subsequently, in XX/XX/2024, I received a closeout statement that accurately reflected this transaction. 

However, to my dismay, in XXXX of XXXX, I received a letter backdated to XX/XX/2024, stating that my account was charged off and closed in the amount of {$20.00}. This erroneous information was also reported to check systems and early warning, which is a clear violation of the law. 

I want to emphasize that the account was closed voluntarily by me, and I have the receipts attached as evidence of the {$20.00} cash withdrawal received at the time of closure. The fact that Truist Bank has reported this as a charge-off for {$20.00} is not only inaccurate but also damaging to my financial reputation. 

This misinformation constitutes defamation of character, inaccurate business dealings, and, at the very least, fraud. I am deeply concerned about the implications of this erroneous reporting, as it could have severe repercussions for my financial standing. 

I demand that Truist Bank rectify this issue immediately. You must correct the erroneous reporting and remove any mention of a charge-off from my account. Failure to do so within five days of receiving this letter will result in legal action being taken against Truist Bank. 
Furthermore, I will explore all available legal avenues to seek justice, including but not limited to filing a class-action lawsuit on behalf of all customers affected by similar inaccuracies. 

Please be advised that I am fully committed to pursuing this matter until a satisfactory resolution is reached. I expect a written response confirming that the issue has been rectified within the stipulated timeframe. 

Thank you for your prompt attention to this matter. 

XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Good Evening, and please help me with this WRONG REPORTING/WRONG BALANCE!!!. I've already gone ahead and paid this alleged debt and I was promised over the phone by your representative XXXX XXXX XXXX, as you can listen to the recording conversation, that upon the payment cleared from my bank account, PRA will have all the major credit bureaus removed those negative items or accounts or tradelines from my credit report. Please see the confirmation under PlanID # XXXX for the payment that was made. Please remove this account from my credit report.
Product: Credit card or prepaid card

This complaint is regarding State Farm Visa Rewards credit card I've had the card a short time which I receive in XXXX first payment was due in XX/XX/2019 I downloaded the app in order to make my payments Made a payment on XX/XX/XXXX which was early which I do with every card I have On the application I opted into paperless I no longer have any mail I may check it once a month When I did receive my mail I seen that they did a reversal which you will see on a screenshot that I will provide as an attachment of {$30.00} and then they applied a {$25.00} return fee as soon as I received this letter I called the number in the letter which I will also attach but this will be one letter of two letters which is the most recent letter I received regarding the same issue as I said I called the number in the letter they went ahead and made an adjustment on the {$25.00} return fee due to the fact that they realize that there was an incorrect account number that they had assured me was corrected Same issue occurred on XX/XX/XXXX when I paid a {$35.00} payment early as you will see in the screenshot I will attach that was also reverse and a {$25.00} return fee attached to that and that is the issue I'm complaining about I contacted State Farm agents regarding this issue I spoke to several different agents no one was able to resolve the issue or assist me they didn't have the resources they had told me, to adjust the {$25.00} return fee but when in fact they were able to do that in XXXX as you see in the screenshot I requested a corporate number they informed me that it was against their policy to give out a corporate number but the agency was able to request that for me and send it to corporate that I would receive a phone call within 24 hours which I never received a call from corporate regarding the adjustment for a {$25.00} return fee Simply put my complaint is poor customer service not able to assist the customer properly to resolve an issue Giving false information regarding that an issue was resolved no corporate number for complaint department available that the customer can find easily No email sent regarding the issue at hand, when many people today don't need to check their mailbox as many of us as I explained to them does everything online text or email
Product: Credit reporting or other personal consumer reports

I received a letter dated " XX/XX/2023 '' from " EQUIFAX '' providing a " verification code ''. 

However, the website stated in the letter was/is a non-working malfunctioning website. Therefore, yet again I was unable to implement a fraud alert. 

I called their specified phone number and yet again the lengthy recording stated that they were closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I received repeated calls from a company claiming to be collecting a debt from a XXXX year old XXXX acct in the amt of {$42.00}. I asked repeatedly to send me a proof of debt or anything showing a bill where I owed. I never received anything from them but, an email with a letter attached with their company letter head and a line saying I owed them. Then during this process I moved to XXXX and started the finance process of buying a home. Due to the amount of time it takes up here to close my credit with the lender expired causing them to run it again. When they ran my credit again my score dropped XXXX points thus raising my rates because Enhanced Recovery Co. ( ERC ) reported the {$42.00} debt to the credit bureaus. I immediately called ERC and disputed the claim. They advised me that the only form of communication sent to me regarding the debt was mailed to an address I no longer live at in XXXX. I asked why they never contacted me in other ways ( phone call or email ) and they gave no explanation. They emailed me a letter ( illegal in the XXXX ) that went to the credit bureaus ( attached ) at that point requesting it be deleted from my record. At this point my mortgage has risen from {$1800.00} to {$2000.00}, up {$160.00} a month over a {$42.00} debt that no one has provided me any proof of owing. How is this legal? I close on my house in a week and XXXX XXXX has asked for a " rapid re-score '' but the timing of the credit bureaus removing is not immediate and the company that re-scores takes 3-5 days and is currently waiting on an additional verification from ERC that it was submitted for deletion? How do they get the right to verify the deletion when they received a letter from ERC but I am not provided with any verification when I request it. All of this over {$42.00}.
Product: Debt collection

Someone who lives in XXXX took out an auto loan using my ss number. i live in XXXX, Il and have no knowledge of who this person is or how she got my ss number. i have not purchased a new car {$400.00} is past due
Product: Mortgage

We were in the process of a shortsale and it was being approved by Wells Fargo but then it was foreclosed unexpectedly.
Product: Checking or savings account

On XX/XX/XXXX a stimulus deposit of {$2800.00} was deposited into the NFCU into an account that was not ours. The IRS sent inquiries 3 times for the NFCU to return the funds that were deposited. On XX/XX/XXXX I contacted the NFCU about why the inquiries were not answered. On XX/XX/XXXX I talked to the XXXX XXXX. and was told that the funds were sent back. On XX/XX/XXXX I contacted the IRS about the stimulus deposit being returned and was told that the NFCU still had not responded back. Called the NFCU with the information they needed about the inquiry. Their answer was that they couldn't find the inquiry. To have the IRS FAX the information to the ACH Dept. The IRS does not call banks about accounts. A supervisor at NFCU told me that they do not care who's name ( s ) are on deposits into accounts. That there is nothing the NFCU can do to get my funds.
Product: Debt collection

Never agreed to, received or used XXXX XXXX XXXX XXXX XXXX service and/or contract details may not have been fully disclosed by company during cell phone contract initiations. This was disputed years ago.
Product: Payday loan, title loan, personal loan, or advance loan

The interest rate makes it impossible to lower the amount owed. Ive been paying {$200.00} for years now and my balance is a stand still.
Product: Debt collection

I received a call in XXXX of 2017 about a XXXX past due account. I told the caller I didnt order XXXX and never resided at address that account was associated with. The caller asked for my last four SSN to verify that I wasnt the person they inquired about and I gave it to them not realizing what I had just done. After receiving a collection notice on my credit report i called XXXX to dispute the charges and they had me fill out a ID Theft Affidavit which i sent to them in XX/XX/2017. The collection was removed from my report only to be placed back on with a different collection agency this month. The amount thats in dispute is {$1900.00}