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

An unauthorized ACH was made to my business ( XXXX XXXX XXXX, XXXX ) checking account on XX/XX/2021 for the amount of {$3900.00} at Regions Bank. On the statement shows XXXX XXXX I went to the bank on XX/XX/XXXX when I found out about it and I requested to file a dispute and I never received any confirmation or documents to support this transaction. 
The person at the Bank said to wait between 7 to 10 days for an answer that never happened and around that time I went back to the bank and they gave me a case number and a phone number XXXX ( Regions Bank Customer ) for me to call and confirm the dispute. 

Following their advice, I called to confirmed the dispute and never received a call back or email. 

I also called several times to XXXX XXXX XXXX XXXX  and because my company also has a company account that we regularly pay with company checks, NEVER by ACH. They checked and confirmed that there was no ACH or electronic payment from Regions to any of the cards or employee cards on my account. 

I reached out again several times with this matter to the Manager of the Regions Bank on XXXX XXXX XXXX XXXX XXXX XXXX XXXX asking to refund my money an to investigate and he said they can not do anything else. This is fraude and I never authorized this ACH.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX ( XXXX ) 15 USC 1681 Section 602 states i have the right to privacy.

( 2 ) 15 USC 1681 Section 604 A section 2 : it also, states a consumer reporting agency can not furnish a account without my written instructions ( 3 ) 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

To Whom It May Concern, I am writing to formally dispute a collection account reported by Receivable Management Services on XX/XX/year>, for the amount of {$510.00}. This charge is associated with my auto insurance policy from XXXX. 

To better understand this charge, I request a detailed account ledger that includes all charges and payments made, along with a breakdown of any additional fees assessed. Given that my vehicle was repossessed, I want to ensure that this charge accurately reflects my obligations under the policy. 

I am particularly concerned about any extra fees, as they appear inconsistent with my original policy amount. 

I appreciate your prompt attention to this matter and look forward to your response, which I hope will clarify these charges and help resolve the issue. 

Thank you for your cooperation.
Product: Credit card or prepaid card

On XX/XX/XXXX, I reported to Capitol one about some fraudulentcharges to my credit card. Most purchases were in the teens so I did not spot any false charges ... Total {$640.00}. Case # XXXX. They told me that they would investigate. Two weeks later they told me that they only issue one credit card and I was accusedof making those fraudulent purchases. I told them that I did not make those purchases and that I have never stepped inside that store. ( XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  ) at XXXX XXXX XXXX XXXX XXXX XXXX in XXXX. XXXX. Capitol one Manager ( XXXX ) was rude and just kept accusingme of being dishonest. I contacted the police on XX/XX/XXXX to police officer XXXX shield # XXXX, but all they did was bounceme from one precinct to another. Police complaint report # XXXX. With my other credit cards any time I made a purchase, The place of business would require my ID or my PIN number, So I do not understand how these fraudulentcharges happened.I feel that Capitol one are at fault and are negligent and wonder if this has happened to other cardholders.Thank youXXXX XXXX XXXX XXXX
Product: Debt collection

This is in regards to Account # XXXX I have demanded PRA to submit sufficient information on the above mentioned account. They have not provided me with this information yet they continue to violate my rights.

1. PRA ignored my requested and responded after the required ( 30 ) as written in law.

2. PRA updated/verified this account after I made a dispute 3.PRA information that was sent to me do not reflect the same information provided on my consumer report and is erroneous.

4.PRA continue to participate in illegal collections This company had done severe damage to my personal, and business life and had held me financially hostage. I have sent multiple letters and have made a XXXX  complaint.
Product: Credit card

XXXX XXXX, XXXX a capital one Customer. On Wednesday XX/XX/XXXX I was told by XXXX customer services employees that I would need to pay {$120.00} on my balance to add my spouse to my account. I paid {$120.00}. On Wednesday XX/XX/XXXX which was processed on Thursday XX/XX/XXXX. 

I was told to call back on Thursday when the transaction would be processed. I called on Thursday morning, then I was told I can not add my spouse to the account, and they are sorry I was given misinformation by XXXX employees. I asked to speak to someone who can assist me and I was denied.
Product: Credit reporting or other personal consumer reports

Subject : Notification of FCRA Violation and Request for Investigation of Billing Error under 15 U.S.C.

1666 Dear Experian, I am writing to notify you of a potential violation of the Fair Credit Reporting Act ( FCRA ), specifically concerning 15 U.S.C. 1666 relating to billing errors, which has occurred on my credit report.

It has come to my attention that there are entries on my credit report that reflect inaccurate billing information, which I believe constitutes a " billing error '' under the aforementioned statute. This includes charges that I did not authorize, amounts reported incorrectly, and transactions improperly documented and processed. As per my rights under the FCRA, I am formally requesting that you conduct a thorough investigation of these entries to verify their accuracy. The details of the disputed entries are as follows : XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX In compliance with the FCRA, I expect this investigation to be completed within the statutory timeframe of 30 days from the receipt of this letter. If your investigation confirms that these entries are indeed inaccurate, I request that they be promptly corrected or removed from my credit report. 
I would appreciate written confirmation that you have received this letter and that an investigation has been initiated. Please inform me of the outcome of your investigation at your earliest convenience. 
Failure to comply with federal regulations regarding credit reporting accuracy can lead to penalties under the FCRA. If necessary, I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) or seek legal advice to ensure that my rights are protected and that my credit information is reported accurately. 
Thank you for your immediate attention to this matter. I look forward to your prompt response and resolution of this issue.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX ) XXXX The above company has placed an inquiry on my credit report. 
According to the FCRA, I am requesting a permanent removal of such inquiry. 
15 U.S.C. Code 1681 ( b ) Permissible purposes of credit report. 
I have not given consent to use my credit report, nor have I signed any written agreement to have access to my credit report in such manor.
Product: Credit reporting or other personal consumer reports

I disputed inaccurate information with Equifax in regard to this account XXXX XXXX XXXX ( Account # XXXX  XXXX ). Equifax is still reporting my information as accurate. After checking my credit report the information is still obviously inaccurate! On my Equifax report the account displays an open date of XX/XX/XXXX yet stating Date of First Deliquency was XXXX. XXXX. This is clearly inaccurate that Equifax allowed to remain on my report. The account is not 100 % accurate so it is deemed INACCURATE and should be deleted immediately. Ive attached my Equifax credit report from XXXX XX/XX/XXXX. Please delete this account effective immediately. This is my right per the Fair Credit Reporting Act to request this ( FCRA ). ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disrupted by consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation, and promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Im asking that you delete this obvious inaccurate account off my credit report and send me an updated copy of this report in 15 days, Account Name : XXXX XXXX XXXX, Account Number : XXXX XXXX, Balance {$340.00}, Request : Delete account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a dispute of all the item on my report to Equifax and on XX/XX/2020 I called to inquire about my results and why I hadn't received the results and it came to my attention that the agent at Equifax decided not to send my results. This is an utter violation of my rights as I have the right to my results. XXXX XXXX which is the supervisor purposely failed to verify my information when the original agent verified who I was so that the agent in question would not get in trouble. I am seeking retribution for the violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

They reported in my credit report that Im deceased which Im not XX/XX/2020
Product: Credit reporting or other personal consumer reports

Lexisnexis continues to commit securities fraud by continuing to report false information and trading this information with no consent to all three bureaus. They have been asked to freeze account. They are reporting on background false information allegations. There was also an identity Theft report provided to them. So moving forward i will be reporting them to the I.R.S. and since securities fraud may be taking place here i will go through the proper channels.
Product: Credit reporting, credit repair services, or other personal consumer reports

I worked for XXXX, I leased a car from them in XXXX. The arrangement was that I could keep the car and at the end of the lease term, buy the car or return it. 
XXXX is an XXXX XXXX program and each week you were allowed to receive your earnings by cashing out XXXX took their money for the lease payment off the top. Therefore I was never unable to pay my account. If I didnt work for a week, they took it out of the next week. I could not receive my money until they had theirs. 
Im XXXX, I stopped working for them, purchased a truck and called XXXX about returning their car. I was told to remove my possessions and tell them where the car was located and they would come pick it up. 
Now XXXX  years later this company is stating I owe money for cleaning and towing of the car, and for past due payments. I called the company and asked them to provide proof, they didnt do anything. XXXX  months later they reported it to collections and somehow the dispute was verifiedhow? No one provide me with any information at all, even the credit bureau. I did my own research and the title trust they are saying is the original creditor is no longer even in business. It seems to me people are making these last ditch efforts to squeeze money out of people because they lost so much during Covid. Not my fault, not my problem. This is absolutely not a verifiable debt and I cant believe you can just put things in peoples credit reports with out penalties when they are lying.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), Equifax must check this item ( A ). It is unacceptable to list this item as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam : I am writing to dispute the following information that XXXX XXXX Banking Officer of Branch Banking and Trust now Truist Bank reported to All three credit bureaus : XXXX, XXXX, and XXXX on XX/XX/2021 are inaccurate. XXXX XXXX XXXX banking Officer of BB & T reported a fraudulent {$950.00} increase. In addition, XXXX XXXX responded to a complaint I filed with the Consumer Financial Protection Bureau on XXXX, XXXX, 2021 that the increase of said balance was due to a negative escrow balance. She failed to write me prior to my complaint giving a clear explanation as to why my on time mortgage balance would be reported inaccurately. BB & T has record of my cancellation for XXXX home insurance renewal that was to go into effect XX/XX/2021. Also, BB & T has record of my new/current home insurance with American Integrity with an effective date of XX/XX/2021. At no time it was a failure on my part that caused a negative escrow balance. To date, all mortgage payments has been satisfactorily paid by myself. BB & T has received reimbursement of prepayment issued to XXXX home insurance for effective. Beginning XXXX, XXXX, 2021. XXXX XXXX response is false regarding my mortgage balance. To date, my escrow and mortgage payments are one-time. XXXX XXXX needs to ensure that she adheres to her employment responsibilities and report accurately both my on time mortgage payments and remaining balance. She needs to stop using predatory financial reporting standards and discrediting my hard work. 

Ps. My escrow balance has nothing to do with my mortgage payments it is used for the sole purpose of paying my home insurance.
Product: Checking or savings account

overdraft fee were so bad some months we were having a hardship and we would get charged XXXX to XXXX per month overdraft fees. 

and not fair at all. we would have like XXXX in account and would use it and- get right up to the XXXX. only to find they would go back a few days and charge 3 to 5 fees for things charged days before. i can go back years in accounts add them up if needed. but would be much easier for them to do. 

thanks so much for the chance to correct this, XXXX XXXX
Product: Credit card or prepaid card

Hello. A couple of months ago I set up an American Express card account. When I got the card, I immediately set it up for monthly auto-pay of the entire statement amount from my checking account. The first month the auto-pay did not work properly, and the payment was not processed. This became apparent to me when the card was turned off for non-payment of the invoice. When I called AmEx, they recognized and admitted that the auto-pay was turned on and set properly by me, but the automatic payment processing did not happen on their end. So the agent refunded the late fee. But they still charged me {$110.00} in interest and refused to refund the interest charge even though they admitted the mistake was theirs and not mine for the lack of payment of the statement. Then, the statement this month included more interest in the amount of {$210.00}. The account is still set up on auto-pay and it was auto-paid on time this month. But AmEx calls this " trailing interest '' and also refuses to refund this amount. So they have fraudulently charged me {$320.00} in interest through no fault of my own but because of their system error. They are continuing to charge interest and it is impossible to get anyone on the phone that has responsibility for this ongoing fraud. This must be stopped and the only way I can see is to ask the CFPB to help me!
Product: Money transfer, virtual currency, or money service

Im writing to express my concern regarding Zelles handling of disputes, in light of recent CFPB lawsuit highlighting significant issues with the platform. Ive used Zelle several times and reported discrepancies but the claims were never investigated throughly. Theyve informed me that recovering lost funds were impossible and tracking was as well. The CFPBs finding indicated that Zelle neglected to protect the consumers and left us vulnerable to scams.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report from May 2022 and have found that my rights have been violated in accordance with the Fair Credit Reporting Act.

15 U.S.Code 1681 Section 602 A. states that I have the right to privacy. Furthermore, 15 U.S.Code 1681 Section 604 A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. 

The following accounts have violated my rights : XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXXXXXX for {$88.00} XXXX. XXXX XXXX XXXX XXXXXXXX for {$100.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX unnamed medical account XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX
Product: Debt collection

This debt is not mines because I never applied for a loan with this company and it was identity theft. I have contacted this company numerous times to tell them this and they still have this debt on my credit report.
Product: Credit reporting or other personal consumer reports

To whom may concern, please be advised I have been discussing mortgage assistance options with specialized loan servicing from the beginning of XXXX. I have responded to all of the requests for documentation in a timely manner only for them to return and request the same information over and over again. Specialized loan servicing and its agents have systematically created an environment to put myself and clients like myself in a position of default. I believe this to be a business strategy of theirs. Additionally, in all of my conversations agents led me to believe that any settlements would not have negative impact on my personal credit, and they have gone ahead and reported negatively on my personal credit on a commercial account where the borrower is an entity. I ask you remove any negative reporting on my personal credit immediately and ask that you investigate specialized loan servicing for their practices in general and in specific with mortgageassistance
Product: Credit reporting or other personal consumer reports

Violations and Inaccuracies : 1. Future Dates ( Date Last Active and Last Reported ) Violation : The Date Last Active and Last Reported are listed as XXXX XXXX XXXX which is a date in the future. All credit reporting information must be accurate and current. 

Impact : This violates the Fair Credit Reporting Act ( FCRA ), which requires all information reported must be verifiable and accurate. This incorrect date could potentially mislead the credit scoring model and extend the reporting period of this negative item. 

2. Closed Account with a Balance Violation : The account is listed as Closed, yet it still shows a balance of {$17000.00}. If the account is closed, it should not show a balance unless explicitly stated as a charge-off. 

Impact : This discrepancy can mislead the creditor and negatively affect your credit score by inaccurately reflecting the debt status.

3. Charge-Off Status Violation : The account is listed as a Charge-Off but does not clearly indicate whether it was sold or transferred to a collection agency, which creates ambiguity. 

Impact : The FCRA requires clear and accurate reporting of debt ownership. If the account was sold or transferred, it should be clearly stated. 

4. Missing Critical Information Violation : The account is missing essential details, including : Date of Last Payment High Credit ( original credit amount ) Past Due Amount Impact : Incomplete reporting violates the FCRAs requirement for completeness. These missing details make it difficult for the consumer to verify the accuracy of the debt.

5. Comments : Profit and Loss Write-Off Violation : The comment indicates that the account was charged off. However, if the balance remains at {$17000.00}, this could indicate double reporting or unclarified debt ownership. 

Impact : Inaccurate or unclear charge-off information may mislead future creditors and extend the negative reporting period.
Product: Credit card or prepaid card

I was victim of fraud XX/XX/XXXX. Fraudsters opened accounts in my name. I had lost my capital one credit card at Walmart. It fell out my purse didnt know this. As result charges were made on my card that I didnt make.I hadnt used my capital one card in years and it had XXXX balance at the time this happened. All charges on this card totaling XXXX were not made by me. I have disputed with capital one who claims it was me but will not provide me with evidence they have proving it was me other then statements with charges on it. This doesnt prove anything. I have provided police report and anything else they asked for. Im asking for this to be resolved ASAP this has been going on for years
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX is reporting a charge off to my credit report. This charge off is considered a certificate of indebtness which is now income. INCOME CAN NOT BE REPORTED TO A CREDIT REPORT!!!!!!!
Product: Credit card

I spoke with multiple representatives at Avant to try to update my physical address. I told them that I would be leaving my current address and I no longer want my account associated with that address whatsoever. I asked them to send statements to my po box . The representative told me that they could no do so and I would need to have a physical address on file. I then submitted an email request to change my address twice. I was told that my address change must be accompanied by a utility bill. I submitted the utility bill. Avant still has not changed my address. Call to their customer service line are met by a representative to reads a script and refuses to do anything. It is sometimes difficult to understand their representatives since they are overseas.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

My credit has been hacked since back in XXXX I have been trying to let the credit bureau know but they wont dispute the items its time to get my credit back to normal