23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I paid this debt directly with XXXX back in XXXX or XXXX. I accepted a settlement offer from them and legally paid in full for less than due. The account has been reporting as closed " legally paid in full for less than balance due '' on my credit report since XX/XX/XXXX. I have attached snapshots of my report below, showing it being reported as closed & paid. On XX/XX/XXXX I receive an alert from XXXX that a new collection is being reported under my name. I log on to XXXX to view the account, and see it is being reported as a collection account under XXXX XXXX XXXX for the original amount {$2900.00}, which has already been settled with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The complaint is about not being able to access my account on Equifax. In XXXX of XXXX, I discovered an identity theft that required me to access all of the credit agencies and make corrections. On year later, on or about XX/XX/XXXX, I discovered another problem that requires fraud alerts on the three credit agencies. There was no problem whatsoever with XXXX and XXXX. However, Equifax was and still is very problematic. When I login to my account, the message contact customer care always appears. After I contact customer care, they become frustrated because I am unable to access the account. I contacted Equifax on XXXX and alerted them the problem. This was between XXXX and XXXX of XXXX. After elevating the issue, I was informed about XX/XX/XXXX that I can not access my account and the reason is not specific. When I tried to get further information, my requests are ignored. I needed to set a fraud alert, review the data, and allow me to access the account to validate the data. Of course, I am not sure how useful or required this is since XXXX and XXXX are reliable.
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2016. 

I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made multiple complaints against Discover because they are just not right. It is reflected in the attached letter from Discover ; Credit card was stolen and 3 fraudulent payments were made on my credit card totaling {$11000.00} in 7 days to continue using the card and grossly exceeding the credit limit of the card. How is this possible with todays technology? If I receive just one bad payment ; thats it, no more. Banks even have better policies and systems in place to protect their customers. In addition, Discover didnt notify me for permission per Consumer Financial Protect Bureau Section 1026.56 for over-the-limit transactions. If they had notified, I would have said WHOA!!!!! I requested the method of the fraudulent payments to prove the fraud but Discover simply states in the attached letter we will not be providing the requested information. I was informed this information was confidential information of the thief.?????? My card, my liability and Discover protects someone who has nothing to do with the card and stealing.????????? The Discover debt on the credit report belongs to another and is not mine. I did not receive any benefits nor make fraudulent payments or purchases from XX/XX/2017 forward.
Product: Debt collection

The company STELLAR RECOVERY INC has sent several emails threatening to have me arrested also to freeze my social security number and benefits as well as inform my boss and family that i owe money.
Product: Money transfer, virtual currency, or money service

I am falling a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for this violations.
Product: Checking or savings account

I am filing this complaint against Truist Bank for failure to disclose the specific reasons for restricting and subsequently closing my account, which is a violation of the Fair Credit Reporting Act ( FCRA ) and the Equal Credit Opportunity Act ( ECOA ). 
Truist Restricted My Account Without Disclosing the Specific Reason I recently opened a checking account with Truist. Shortly after, I was notified that my account was restricted. When I called their customer service and risk department, I was told that the restriction was due to information from XXXX XXXX XXXX XXXX XXXX XXXX  on XX/XX/year>. However, Truist has repeatedly refused to disclose the specific information from my XXXX  report that led to the restriction. I called 3 times on XX/XX/year>, visited the XXXX on XXXX loop in XXXXXXXX XXXX and called again on XX/XX/year> with no success. 

On XX/XX/year> a Truist agent by the name of XXXX from the " Fraud Department '' Stated That They Never Disclose the Specific Reason for Account Restrictions '' When I requested the details of my restriction, I was explicitly told that Truist does not provide this information to consumers.This directly violates FCRA 1681g, which requires financial institutions to disclose specific adverse information used in decision-making.

Failure to Provide an Adverse Action Notice as Required by ECOA.

Under ECOA 1691 ( d ), when a bank takes adverse action ( such as restricting or closing an account due to a consumer report ), the consumer is legally entitled to a written explanation of the reason.I have not received any written notice explaining why my account was closed. 
Because of this unexpected account restriction, I did not receive my paycheck for XXXX full week, forcing me to borrow over {$600.00} to cover essential expenses. 
My income tax refund, which was scheduled to be deposited into this account, is now delayed because the account is closed. The IRS will have to mail a check, significantly delaying my ability to move into a new home and purchase a vehicle. 
This has placed me under unnecessary financial strain, affecting my ability to pay bills and meet obligations.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. There are inquiries on my XXXX, Equifax and XXXX credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX  - XX/XX/XXXX XXXX
Product: Payday loan, title loan, or personal loan

For the third time : paypal wouldnt allow payment of {$40.00} minimum on balance owed to paypal credit until the day that a {$40.00} late fee would be due. After the third time Ive decided not to pay the debt. Its basically all late fees by now. 
the site will just pinwheel and fail while making payments until XXXXXXXX XXXX on the last day to pay forcing consumer to change the date when a {$40.00} late fee will be due. Once paid the payment all goes to late fee instead of minimum payment.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX a customer inquired on purchasing an item from me. I have messages to prove this And they will be attached. This person first contacted me to deliver to them at XXXX XXXX XXXX, XXXX MI. The person first cash apped me for delivery. At XXXX the customer viewed the product felt the quality agreed to the Payment and cash apped me and I delivered the product. At XXXX this person contacted with unreasonable demands of me refunding her for an altered product at which I declined. The person stated, " It's okay, I will just dispute the whole thing. '' However this is not a disputable matter as she receive the product she paid for. I withdrew the funds from my cash app however the funds are no where to be found and I've contacted cash app on multiple occasions to no success. I've sent emails and I've contacted XXXX. The purpose of this complaint is my Matter has not been heard in this dispute and my funds are not available to me as they should. In addition my XXXX XXXX XXXX birthday was XX/XX/XXXX they will show several deposits that day for her birthday. Around XXXX yesterday I withdrew the money from the deposit from the person " XXXX '' and so all the money that I do not show as available was my daughters birthday money.
Product: Checking or savings account

My stepmom was a victim of a scam where the scammer accessed her bank information through an app. Her entire phone had to be wiped out because of it. All of her capital one accounts, including one that I am a joint owner of was stolen from. Capital one fraud department was alerted right away with the details and claimed the investigation would take 10 business days and our money would be returned. Our claims were coded in corrected and denied 3x now and they continue to deny them and tell us to wait an additional 10 business days. We have a mortgage to pay and they are holding onto $ XXXX of ours. We have spoken to supervisors who claim it is taken care of and others who claim there is nothing they can do and tell us to wait more time. We need our money back to pay our mortgage.
Product: Checking or savings account

I am XXXX XXXX XXXX financially struggling XXXX, who is currently living paycheck to paycheck, due to increased cost of living and inflation in XXXX, NC. I had a recent financial setback resulting in my account balance being short of my monthly rent payment of {$1400.00}, and I initiated the payment on XX/XX/year>, knowing that would result in an overdraft fee of {$35.00}, and it was either pay the {$35.00} overdraft fee, or pay an even more severe financial penalty from the apartment complex. However, I had XXXX additional charges that were made following this payment for rent, which resulting XXXX additional overdraft penalties, totaling {$170.00} in overdraft fees. I called Wells Fargo and spoke to multiple call center representatives, each time resulting them in only to allow for {$70.00} in overdraft fee reversal credits, with each representative noting that they are at mercy of their system, and that the internal processes/rules for overdraft fees has recently changed. Each time the representative did sympathize with my situation, and each time I asked if there is anything else that could be done, for I do not receive my next paycheck until XX/XX/year>, and any additional reimbursements of these XXXX overdraft penalties would greatly relieve my current financial situation. The overdraft penalties I received after my rental payment, I had tried to stop the payments on these XXXX charges from going through and it was to late, therefore, resulting {$140.00} in overdraft fees on top of the original {$35.00} overdraft fee for my rental payment. I have been trying my best to reduce my spending and save more money, but I am at the mercy of the current economic climate, and to be refunded these overdraft fees would be beneficial to my current financial situation, for these fees could have gone to my other monthly bills. I understand Wells Fargo is a business and can charge what they want for overdraft fees, but it is incredibly predatory to continue stacking overdraft fees on financially struggling consumers. I feels like, in my honest opinion, that is expensive to be poor, as someone that is also employed by XXXX of the biggest banks in XXXX, I find it hard to believe that the call center representatives that handle these situations are at the mercy of the Wells Fargo " system '' and can not go above and beyond to help override situations like the one I have described. While I do appreciate Wells Fargo for refunding me at least {$70.00} for being a longtime customer, I still find the overdraft fee penalties to be incredibly predatory, especially since XXXX  XXXX XXXX had recently reduced their overdraft fees to {$10.00} per charge. I really do hope something can be done here, and I really do not like having to launch a complaint like this, but I do not see any other option for my current situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 XX/XX/2020 I have tried informing the companies and credit bureaus of the account inaccuracies of them not being my responsibility and not my account, and have had to deal with XXXX phone calls all day long and my wife has been too. Along with XXXX voicemails of going to jail if not paid immediately. I believe they have not done the due diligence during investigation to delete these accounts off my credit report to reflect that. I have brought this to their attention numerous times within the past 6 months and it has caused my score to go from XXXX in the last 10 months
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : XXXX XXXX XXXX Account Number - XXXX By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter.
Product: Credit reporting or other personal consumer reports

I am beyond frustrated with the repeated errors on my report. No matter how many times I try to address this, I keep finding mistakes that are damaging my score and blocking me from financial opportunities. I have done my partIve checked, Ive disputed, and yet the errors remain.
Product: Credit reporting or other personal consumer reports

They are stating I owe an Alleged debt, which I do not owe. they have not provided proof.
Product: Checking or savings account

A charge appeared on my account on XX/XX/XXXX I confirm with the bank that it was from XXXX I contacted XXXX by phone and email that they don't know why they made that charge but they're investigation is taking weeks meanwhile I filed with US Bank of fraud complaint on XX/XX/XXXX I contacted them a week ago for further information and they advised me the complaint was filed wrong and they would correct it, the conversation today they advised me for the first time that the complaint was denied on XX/XX/XXXX and that refiled until day before yesterday.

Also I advised in the account is fully funded by Social Security direct deposit and therefore as a protected account and not subject to garnishment other than child support or taxes and this is neither, they are unaware of any protection afforded by Social Security, something I believe they should be aware of. Now they want to take their sweet time up to 90 days to resolve this with no provisional credit being made. This is unacceptable.
Product: Debt collection

Received collections letter from CMRE regarding alleged medical debt, asked for verification / substantion of debt none provided.
Product: Consumer Loan

XXXX Synchrony Bank who handles the in store credit accounts for Amazon.com has been bugging me for over a month saying I have to pay all kinds of charges and saying I was late with a payment. only thing I have been making all my payments on the third of the month, I have my statements that verify this, XXXX payment and I still do not know what happened was a little late and you would think this is XXXX XXXX XXXX, my new payment was going to be made when my annuity check comes in till then I am being called on the phone all day long or e mailed sounding like I am a dead beat and I am not, I 'm just a XXXX year old woman. and tired of the complaints.
Product: Credit reporting, credit repair services, or other personal consumer reports

The complaint I have with each company is, my rights were violated. I recently came across information from the Federal Trade Commission more specifically the Gramm-Leach-Bliley Act 15 USC 6802. On one of the accounts ( XXXX ) my now ex-husband purchased the unit with me as the buyer and him as the co-buyer with all of my information. I never signed any documents, nor did I give him premission to do so, because we were married at the time, I didn't want to prosecute him. After looking at the original documents. I've never lived at the address on the document, nor did I sign anything, someone had to sign my name. I will attach all of the following correspondence letters I've sent to these companies as of XX/XX/2022 with no resolution. My student loans have also been XXXX due to a permanent XXXX, but they're still being reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Due to the XXXX Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX XXXX  I decided to look at my credit reports from the XXXX major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Product: Credit card

Consistently, I've ensured that payments on this account are made on time, never allowing them to become overdue. I'm uncertain about the reasons for reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Product: Debt collection

I have been contacted multiple times by a collection agency that goes by Commonwealth Financial. They are trying to collect on a medical debt that is a result of identity theft. The hospital has different addresses on file that I 've never lived. I 've contacted them they said to contact the collection agency then proceeded to give me the wrong information. I 've sent a request for removal from y report over to this company. Nothing has happened, and I feel very vulnerable because they wo n't remove it and they must be paying the credit bureaus to keep on no matter what happens.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . Report and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. I need the following addresses removed from my credit report they are not mine : XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX FL XXXX XXXX OH XXXX XXXX XXXX CT XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX OH XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Cfpb I have Tried to Remove This Incorrect Public Record Bankruptcy From My Credit Report in The Credit Bureaus Fail To Remove This From My Credit File, This Had Been Hurting My Credit, Can not get home or get any lines of credit because of this matter, Credit Bureaus had Broke FRCA Laws, So I'm Here Today With Date and Tracking Number and Paperwork From Court Saying They don't give my information to other 3rd party or No Party at all, Plus I Freeze All 3rd Party Credit Bureaus ( XXXX XXXX  ) any many more .So I Have Send You Court House Letter and Tracking Number to All The Dispute I Have Send in To Credit Bureaus ..Please Hit me Back Thank You First Round Dispute XXXX XXXX XXXX XXXX Transunion XXXX
Product: Checking or savings account

I clicked a promotion on citibank 's website that stated if I put {$15000.00} into a savings and checking account, I would receive {$400.00} in 90 days. The person I spoke to said my account met all of the requirements and should have received the money on XX/XX/21. I did not receive it and sent a complaint. They stated in a letter that my account did not have the promotion code attached. I was never given a promotion code and that wasn't needed to open the account. It was simply a link to click and then open the account and follow the rules which I did.
Product: Money transfer, virtual currency, or money service

I did an international wiring {$77000.00} with XXXX local branch manager to wire to HSBC in XXXX XXXX on XX/XX/XXXX, but recipient has not heard anything about the fund ... 
HSBC requested my compliance information twice. After XXXX sent out to them on XX/XX/XXXX and XX/XX/XXXX, there is still nothing heard back from HSBC. HSBC hold my fund and don't respond to XXXX inquiries. 
So, XXXX recalled the fund back on XX/XX/XXXX, Still no result so far till today, XX/XX/XXXX.
Product: Checking or savings account

I have a checking account with Bamk of America and last night they decided to completely shut my account down with no warning. 
I have bills to pay and I am receiving my IRS refund on this account. Also. The money i had in the account will be mailed in 5 to 7 days. 
Please help me
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}