23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I deposited a check for the sale of a car into my overdrafted checking account on XX/XX/23. The check was very large at {$92000.00} and was written against a XXXX XXXX XXXX  account the dealership owns. A deposit hold was placed on this check in the early morning hours of XX/XX/23, which made sense. The check was verified by Wells Fargo and the funds cleared and posted to my account on XX/XX/23 at XXXX in the afternoon. The notification of the clearing of the deposit stated the funds would be available on XX/XX/23. On XX/XX/23 in the early morning hours, a balance notification was sent to me showing a positive and accurate amount of available funds in my checking account. I then received a notification on XX/XX/23 at XXXX that these cleared and posted funds were forced into a second deposit hold, even though the funds were cleared and posted by the Dealerships bank and my bank. The second deposit hold reason is " Signature On Check Was Irregular, '' but after verifying with Wells Fargo that this occurred on their end, not the Dealership 's bank 's side, I have not received satisfactory information on how the signature was determined to be irregular, when the woman at the Dealership who wrote the check has had no prior business with Wells Fargo -- how does Wells Fargo even know what her signature looks like? I have repeatedly called, escalated, and made it a point to inform Wells Fargo that they are duplicated check verification steps for a check already cleared and posted. The bank refuses to release these funds that are surely due to me, until XX/XX/23 at the earliest, but the verification may take up to XXXX additional days.
Product: Checking or savings account

NOTE : This is the second time I am filing a complaint about the same issue. Please dont simply ask Truist bank to respond and they are unwilling to resolve the issue. I am asking you to protect me as a consumer and to ask XXXX bank to honor their commitments and their statements to their customers. 

MY ORIGINAL COMPLAINT : I have received a fraudulent check for the amount {$19000.00}, which Truist bank cleared the next day and placed deposit into my account. Every time in the past if there was every doubt about the check, they would put hold on the check and wait until they are sure check is good before clearing the check. Based on the clearing of the check and their previous process of putting the check on hold if in any doubt, I assumed they verified the check and are sure there are no issues with the check. Based on this I used those funds to return partially to the sender of the check and to conduct other business, assuming check is cleared and verified by Truist. Approximately 7 days later, Truist reverted the transaction and deducted the entire amount {$19000.00} from my account. I went to my local Truist bank and spoke to Truist representative. They called the bank from which the check originated and confirmed the check is fraudulent. They told me that this needs to be reported to Truist fraud department so they can return to me the stolen funds. While at the Trust branch we spoke to fraud department which tool all the details and told me Truist analyst will contact me. Branch representative assured me funds will be returned. Several days later, I received email stating that my fraud claim has been denied. I was never contacted by Truist analyst. I called the analyst several times using the number on the form that they sent but received no response. Their statement stated that I benefited from this fraud which is not true. XXXX never called me to ask for any details and denying the claim was completely opposite to what they told me at the Truist branch, where they assured me funds will be returned as Truist offers fraud protection. Truist also states that all deposits are protected and FDIC insured. They have several sections on their website stating they offer security and deposit /fraud protection. I have been their customer for 20 years and they simply denied this claim without asking for explanation, any details even though they state customer deposits are safe. 
Please be advised that the issues described in this complaint will be shared with the financial institution or company in question for their response.
Product: Credit reporting, credit repair services, or other personal consumer reports

ok I tried to submit one complaint for seven unrecognised hard inquiries and Conclusion of investigation is I should handle this on my own. ( Im just a blue coller individual who has begun to feel run over and constantly lied to by a large and harmfull company maskurading as some sort of judge, jury, and sadistic nemisuse. ) For instance once I finally contacted an actual human at XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX I was told they have no account or account request for me when he ran my S.S. number which I fear will result in another inquiry due to equifaxes incorrect info. It took hours of explaining that I did not have an account number and please stop hanging up on me as I will begin criminal procedings to stop this problem. The agent finally agreed to research problem by S.S. number and told me they have nothing to do with this inquiry to call equifax back. I begged this XXXX representative for a confermation number that I had contacted them and no inquies should be on my report. He refused and said it comes off your report in one month anyway and again hung up. His reply which is not true nor do I apprietiate that it ever existed on my report infuriats me. 
I called in a dispute to equifax and told they were accurate yet again and I would have to solve this with company making the inquiry even though The company explained they did not do this. 
Im also part of equifaxes breach that I find suspiciouse and wonder if equifax may have hacked themseves because they released there version of life lock which they were demanding that consumers needed to purchace or suffer the conciquinses right about same time of breach. 

This is unfair and has caused me great hardship and lose of contact with family as I cant live in nieghborhood any more that I grew up in now that my credit rating has fallen below established standards. I now live in the hood not an affluent upscale XXXX. My unfair credit rating. prohibits me from buying a car at normal rates. My qualified nieghborhood has limited public transportation, no grociery stores, pharmacies, etc. It is virtually a desert of services due to the crime. My reduction of health due to illness, being beaten and mugged, forced to live as a recluse is dirrectly caused by equifaxes rating of me. I feel that someone who is knowledgable and proffesionally accociated in fair reporting should help me pro bono as a act of human compasion and deciency as Im severerly in danger of loosing my life, sanity, and dignity as a part of what I have always believed was a enlightened and positive force in defending those who couldnt defend themselves. 

Equifax doesnt even report my vital statistcs correctly. They also have admited to having multiple files for me which wasnt there proper method of crusifing innocent consumers, and they have stated that they dont know how it happened.
Product: Credit reporting or other personal consumer reports

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a XXXX  situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXXTo Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed above still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation. 
Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up. 
2. The date you contacted the individual funishers of information. 
3. The method of communication you used to verify the information. 
I would also like to know if the furnisher provided you with my SSN, address or DOB. 
Please forward an updated credit report to me after you have completed your investigation and corrections. 
Your cooperation and prompt attention are required by law.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I sent a debt validation letter to XXXX XXXX XXXX to the address listed on my credit report. I don't recall receiving notice. I don't recall giving XXXX XXXX permission to release my medical information to a third party. I requested that they send me everything that XXXX has already sent them to prove I owe this debt. The amount they are claiming and that I owe them. I asked for some sort of agreement bearing my signature. 

When I did not receive a response. I sent a letter to TransUnion, XXXX and XXXX XX/XX/2023 requesting they investigate. I also pointed out a number of inconsistencies. TransUnion responded back to me at the address I used to send my letter saying they were not going to investigate because they don't believe it was me!!! XXXX said the same thing. The letter responses are a violation of my right to an investigation. XXXX did not respond at all.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawnsuit 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 infeasible. The CFPBs findings 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

XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXXXXXX XXXXXX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Credit Report Entry - Account # : XXXX Dear CFPB, I am writing to formally dispute the information reported under my account number XXXX with XXXX XXXX XXXX XXXX. I believe this information is inaccurate and needs to be corrected in accordance with my rights under the Fair Credit Reporting Act ( 15 U.S. Code 1681 ). 
I have disputed this account. I never applied for any credit with this account, its not accurate. 
I request that you investigate this matter and correct any inaccuracies in my credit report. I have enclosed copies of relevant documents that support my position, including my ftc report because this is fraud Please let me know if you need any further information to facilitate this investigation. I look forward to your prompt response regarding this matter. 
Thank you for your attention to this issue. 
Sincerely, XXXX XXXX
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 XXXXXXXX Subject : Dispute of Reporting Under FCRA Dear XXXX, I am writing to formally dispute the reporting of negative information associated with my previous address, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, as it no longer pertains to me. Under the Fair Credit Reporting Act ( FCRA ), I request that this information be removed from my consumer report Immediately Relevant Laws : Fair Credit Reporting Act ( FCRA ) : - 15 U.S.C. 1681c ( a ) : This section states that consumer reporting agencies may not report negative information after seven years. Additionally, information that is obsolete or inaccurate must be removed. 
- 15 U.S.C. 1681i : This section grants consumers the right to dispute information in their credit report and requires agencies to investigate these disputes.

Fair Debt Collection Practices Act ( FDCPA ) : - 15 U.S.C. 1692e : Prohibits the use of false, deceptive, or misleading representations in connection with the collection of a debt.

Privacy Rights : - Gramm-Leach-Bliley Act ( GLBA ) : This law emphasizes the importance of maintaining consumer privacy regarding personal financial information.

- Right to Financial Privacy Act : Protects the confidentiality of consumer financial records.

15 U.S.C. 1681b - Permissible purposes of consumer reports ( a ) Subject to subsection ( c ) of this section, a consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) To a person whom it has reason to believe intends to use the information in connection with the employment of the consumer.

15 U.S.C. 1681c - Information excluded from consumer reports This section outlines what information can not be reported, including obsolete information. If an address is no longer associated with the consumer, it should not be reported.

Given that the address in question is no longer associated with me, I assert my right to privacy and the protection against the reporting of outdated or irrelevant information. This situation may have a negative impact on my creditworthiness and violates my rights under the aforementioned laws.

I request that you promptly remove this information from my credit report as it is inaccurate. 

Thank you for your attention to this important matter. I look forward to your prompt response within the timeframe established by the FCRA. 

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

This is the second time my identity has been compromised. I don't understand why this continues to happen to me. I tried to take measures the first time and nothing was done and now it has happen again and there are many accounts that have been opened under my social security number. Please remove these fraudulent unknown accounts from my report as soon as possible. 

XXXX XXXX {$360.00} XXXX XXXX XXXX {$970.00} XXXX XXXX XXXX {$6600.00} XXXX   XXXX {$650.00} XXXX XXXX XXXX {$25000.00} XXXX   XXXX {$87.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX {$350.00} XXXX XXXX XXXX   XXXX {$400.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}
Product: Checking or savings account

i posted and transferred money into the account for the checks to be posted. it appeared i had sufficient funds but the next day the checks were posted and i had two overdraft fees and a reruturned item fee. it appears the checks clarared and it is very annoying when bank of america does this.
Product: Credit reporting or other personal consumer reports

I have disputed inaccurate information being reported on my credit report by paytomorow to transunion, XXXX, XXXX all companies came back and stated information has been verified and accurate this is inpossible due to the fact that 1. The amounts owed or past due are incorrect 2. The payment history is incorrect after XXXX days an account must be charged off or sent into collections currently they are showing that in 2022 for the months of XXXX I'm 30 days late XXXX is 90 days late and Dec 2022-Aug 2023 is showing 9 months of 120 days late how can I be XXXX late for 9 months in a row transunion reported this account as an auto lease which is incorrect and inaccurate and amounts due is also incorrect this is in violation of the FCRA and 15 u.s. code 1681 ( a ) ( 2 ) ( ai ) along with many other violations 15 u.s.c 1681 ( e ). 15 u.s c 1681 ( b ), 15 u.s. c 1681 ( I ) ( 5 )
Product: Credit card

Ref. No. XXXX Ref. 

XX/XX/XXXX I was fraudulently billed {$7800.00} by a professional group of scammers. The scammers manipulated me to wait to dispute the transaction until the dispute window closed. Dispute XX/XX/XXXX XXXX I submitted my dispute to Amex. Amex rejected my case due to the length of time outside their policy. XX/XX/XXXX I requested Amex to reopen the dispute as an exception to my cause. 

With clean hands and good faith, XXXX XXXX
Product: Money transfer, virtual currency, or money service

XX/XX/2020 I bought XXXX  via cash app. I was asked to add my ID to my profile to verify it was me using the account. I tried numerous of times to upload my info to the app but it kept giving me an error message that it could not read my ID. I looked into the steps again to make sure my photo was in good lighting etc. After doing those steps again, I continued to get this error message. I decided to contact support services on XX/XX/2020 I received an email for cash app support with employee names XXXX stated that I should upload my ID front and back and send it within the secure folder link that was sent with email. I did this and was told it will talk up to 10 days for a response. On XX/XX/XXXX I sent a follow up email to ask if they are going to respond to my request.. I have it another 3 days and sent the same email asking for an update. I did this about 2 more times and still have not gotten any response yet.
Product: Credit reporting or other personal consumer reports

Take this complaint seriously, I am alarmed about an unfamiliar inquiry on my credit report. I didn't authorize or consent to this company accessing my information, I'm trying to understand how and why this happened and it's causing me a lot of stress and XXXX.
Product: Vehicle loan or lease

During Covid my daughter became extremely sick and they had the deferment plan. Then after her release from the hospital payments returned.

She did not return to work and her unemployment benefits were messed up and did not receive a check for almost 10 weeks.

This is when the fees started. Her and my son-n-law have made every payment but they have been late. They admit that they are late but unfortunately they have no choice. The medical bills are high and just making their bills is hard.

They try and make it when they can but the late fees are crippling to them. There is currently almost a whole other " payment '' due just in late fees. They pay {$5.00} extra each payment but they will never get ahead.

We have tried to ask the service for either a skipped month so they can pay the late fees or have the late fees removed and they keep telling them they do not qualify. 
They really need help. 
The loan is in mine and my son-n-laws name. 
Any help with them would be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am not convinced that you have suitably fulfilled the policies of the Fair Credit Reporting Act in doing your evaluation. I have to pursue my efforts to resolve this matter which required intent to my personal credit report. I am frustrated because the inaccurate item is still reported on my personal credit report which is not clearly stated the accuracy and verification of the information. Let me inform you that I have contacted the furnisher and they agreed to REPAIR the account and remove the late dates from it. I keep my own accounting records for payments, and the one you have does not line up with what I have. I ask that this account be thoroughly investigated and updated for proper and legal accuracy. Please fix the account : XXXX XXXX
Product: Credit reporting 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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXXXXXX. ( a ) ( XXXX ) 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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: Credit reporting 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 privacy and confidentiality under 15 USC 1681. 

Name of Account Account Number XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX **** XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. Stated i have the right to privacy.

15 U.S.C 1681 section 602 A section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) 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 XXXX years. 

XXXX U.S.C XXXX ( a ) ( XXXX ) 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