23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a letter from XXXX  XXXX XXXX. stating that PayPal Inc. has reported that i owe them a past due negative balance of $XXXX. The letter states that payment of this amount must be received to their office in 60 days, and that they were willing to accept partial payment of $XXXX. It reads: "If you accept this offer, our client will cease further collection efforts. Please note that acceptance of this partial payment offer will not reinstate your account with PayPal and the remainder of the negative balance will remain on your PayPal account."I quickly called XXXX  and asked to speak to a rep. I was put on hold and then sent straight to a voicemail. After, I called PayPal to confirm that this information was incorrect. I let them know I rarely ever use my PayPal account and this could not be possible. The PayPal rep asked me if i have a PayPal credit card, which I do not. He said that would be the only way PayPal would ever contact me about any money owed to them, by mail. He confirmed that my account is NOT in a negative standing, and also that there is a small balance on it. I asked him to please email me my statements, and he emailed me statements from XXXX  2019 - XXXX 2019. After reviewing these statements, no where on any of them does it show a negative balance, nor have i ever received any emails, mail, phone calls, etc from PayPal indicating that this information is accurate.
Product: Checking or savings account

They said they had sent out a letter and we never received it and then we got a card that said the account had been closed. And when we went to the bank we ask XXXX XXXX if we could get a letter and send it back in and he said no. XXXX XXXX told me that the money was in the bank but he didn't know where, and he gave me numbers to call and it was always automated never could talk to anybody, so we left a message and they have never called back yet. So then went back to Truist formerly Suntrust and talked with XXXX XXXX again and I told him he worked for Truist  formerly Suntrust he should be able to get more answers than I could. XXXX XXXX called me back a couple times right after it happened, then he never called us back anymore. So we went back to see XXXX in person he wasn't in, so we talked with XXXX XXXX and we haven't really got any more answers since then and it has been 3 months or more so that's why we reaching out to consumerfinance to find out where my money is, because nobody at Truist formerly Suntrust  can tell me anything. XXXX XXXX acted like they wasn't responsible for my money. XXXX said the money could not be put back in the account, this is the Suntrust branch in XXXX, NC. I ask XXXX why they had all automated stuff so they wouldn't have to talk to anybody and she said yes. So I ask her if Trist formerly Suntrust if they used the automated to give people the run around hoping they would give up. But I'm not giving up. I ask XXXX when people don't respond back if they didn't call and she said no, if they called and left a message people would get back with them, This wouldn't have happened if they had called.
Product: Credit reporting or other personal consumer reports

EQUIFAX continues to violate several provisions of the Fair Credit Reporting Act ( FCRA ) by failing to remove fraudulent account from my credit report despite my prior complaint. Under Section 611 ( a ) of the FCRA, credit reporting agencies are required to conduct a reasonable investigation within 30 days of a dispute being filed and correct or delete inaccurate information. Despite this legal requirement, EQUIFAX has taken no corrective action to resolve the fraudulent accounts on my report. By failing to act, Equifax is in clear violation of its duty to ensure the accuracy and completeness of consumer information as mandated by Section 607 ( b ).

Additionally, Section 605 ( a ) prohibits the reporting of inaccurate and unverifiable information on consumer credit reports. EQUIFAX 's continued reporting of these fraudulent accounts constitutes a direct violation of this provision. These failures harm my credit standing and undermine my consumer rights as protected by the FCRA. By disregarding my dispute and allowing fraudulent information to persist, EQUIFAX demonstrates a pattern of negligence that is contrary to the fundamental principles of accurate and fair credit reporting required under federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX According to my recent credit report request from Transunion.com there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681 623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA, I don't have contractual relationship with this company. I don't recognize this Public Record. Please provide me the name and address of the original creditor.. Reference Number : XXXX 15 U.S. Code 1681d - Disclosure of investigative consumer reports ( 3 ) Certain public record information Except as otherwise provided insection 1681k of this title, aconsumer reporting agencyshall not furnish aninvestigative consumer reportthat includes information that is a matter of publicrecordand that relates to an arrest, indictment, conviction, civil judicial action, tax lien, or outstanding judgment, unless the agency has verified the accuracy of the information during the 30-day period ending on the date on which the report is furnished Please correct and update it from my credit report. It is completely a violation in accordance with the FCRA that sates : the ACCOUNT MUST BE COMPLETE, ACCURATE AND VERIFIABLE. Please remove it from my credit In Mississippi, Contracts, oral or written, and Promissory Notes have a statute of limitations of 3 years ( MCA 75-3-118, 75-2-725, and 15-1-49 ). Please Follow the Law Of The State of Mississippi
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit card

I am a XXXX XXXX XXXX, I made secured credit card from my own money with Bank of America last XXXX. 
I also increased my credit limit 200 %. 

I was always compliant with utilization rate of 30 to 40 %. 

My score has increased to XXXX 3 times after I made a phone payment, it said to me that payment has been received. After 10 days days payment was canceled. 
I fixed the problem and made cash atm payment after that. 

Bank of America has canceled my secured credit card with I made from my own savings to build credit aiming to buy and finance some items later. 
I asked them twice to solve the problem, nothing happened. 

I upgraded my stay from XXXX to XXXX XXXX XXXX, bank of America did give me access to investing account Merrill lynch
Product: Credit reporting, credit repair services, or other personal consumer reports

THE XXXX XXXX CREDIT CARD WAS REMOVED FROM MY ACCOUNT AS A CHARGE OFF, DUE TO IDENTITY THEFT. I WAS PLACE BACK ON MY CREDIT REPORT. I HAVE DISPUTED THIS IS NOT MY ACCOUNT AND THIS IS IDENTITY THEFT. THE COMPANY HAS SINCE REMOVED TWO OTHER CREDIT CARDS AS THEFT, BUT THE FIRST CARD TO BE OPENED THEY STATE IT MINE, WHICH IS ABSURD. I HAVE INCLUDED MY FTC REPORT, POLICE REPORT, MY STATEMENT AND A LETTER FROM XXXX XXXX WHICH STATES THAT THIS ACCOUNT WAS OPENED ON THE INTERNET. ANYONE COULD HAVE OPENED AN ACCOUNT IN MY NAME, WHICH IS EXCATLEY WHAT THEY DID. XXXX XXXX HAS NO SIGNATURE OR INFORMATION THAT WAS GIVEN TO THEM OTHER THAN AN INTERNET APPLICATION. I WOULD LIKE THIS FRAUDULENT ACCOUNT REMOVED FROM MY CREDIT REPORT.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX : XXXX XXXX XXXX XXXX # XXXX, XXXX, TX XXXX ] Phone Number : XXXX ] Email Address : XXXX ] Date : XX/XX/year> ] VIA CERTIFIED MAIL RETURN RECEIPT REQUESTED Equifax XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, PA XXXX RE : FORMAL COMPLAINT AND DEMAND FOR IMMEDIATE CORRECTION UNDER FCRA & CONSUMER LAW To Whom It May Concern, I am writing to formally demand immediate corrective action regarding multiple violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and other applicable consumer protection laws. 

Unauthorized Addresses on My Credit Report : My sole and correct address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Any other addresses appearing on my credit report are inaccurate, not deliverable, and not recognized by me. I demand their immediate removal from my file. 

Unauthorized Inquiries : I have not given my consent, signature, or authorization for any hard or soft inquiries appearing on my credit report. Per the FCRA, 15 U.S.C. 1681b ( a ) ( 2 ), you are required to have my written permission before allowing an inquiry on my credit report. Since I have not given such permission, I demand the immediate removal of all unauthorized inquiries. 

Breach of My Information and Identity Theft : It has come to my attention that my personal and financial information has been compromised due to negligence on your part. This breach has resulted in fraudulent activity on my credit file. I hold you responsible under FCRA 15 U.S.C. 1681n and 1681o for failing to maintain reasonable procedures to ensure the accuracy and confidentiality of my consumer report. 

Immediate Removal and Update of My Credit File : Given the inaccuracies and unauthorized activity mentioned above, I demand that you immediately : Remove all incorrect addresses except XXXX XXXX XXXX XXXX # XXXX. 

Delete all unauthorized inquiries from my credit file. 

Conduct a full investigation into the breach of my information and provide me with a detailed report of the corrective actions taken. 

Provide me with an updated copy of my corrected credit file upon completion of these changes. 

Failure to comply with my lawful requests within 30 days will leave me with no choice but to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my state Attorney Generals office. Additionally, I reserve the right to pursue legal action against your agencies for any damages caused by your violations. 

I have attached a copy of my drivers license and proof of identity for verification purposes. This should serve as the only proof necessary to validate my identity and process my dispute. 

I expect prompt written confirmation that my credit file has been updated accordingly. Failure to act in compliance with the FCRA and consumer protection laws will result in legal consequences. 

Sincerely, XXXX XXXX
Product: Debt collection

In 2014 someone at my rental property forged my signature for solar services with Solar City ( Tesla ). I filed a police report Case # XXXX. That is all the information the Washington DC police provided. Tesla has refused to investigate this matter, they have refused to remove this from my credit history and state that I owe the loan balance.
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX XXXX. I am registered in a state program for victims, and the attached card has my registration ID and everything attached to those numbers. For my protection, that is all I legally have to prove as proof, as that information is all tied to the registration number, and my state does not have anything else or different I need to provide. XXXX has already cleared it, and XXXX has accepted it after escalations with my Case worker, and she asked for the signature page I attached to this case. My state keeps things private, and my card is all I have to provide for proof in the program that I am in.

2 case numbers, because their website is buggy and the process makes you want to give up and is not easy : Today XX/XX/XXXX I called the number per the email I received and spoke with XXXX XXXX who said I need to listen he said no one can help me. He can not tell me anything or provide information but he confirms I did submit the proper information but It was not accepted. He advised he is the manager and He's not going to do anything about it. 

He refused to help me or offer me any directive. 
Case # XXXX Confirmation number : XXXX filed XX/XX/XXXX did not have the information for everything I was disputing due to the website being down, he said he would file a case and a supervisor would help me and that never happened. it was an outright lie. Partial dispute due to there website being down. 

Case # Confirmation number : XXXX partial dispute due to the last error ; he looked at both and said he could not help me but I called the number the email told me to and I will attach that email to this case also.
Product: Debt collection

I am on XXXX medicaid- this charge was covered and was reported to the clinic and to the collection agency that it needed to be billed- since they did n't bill in a timely manner before the 1 year it is not my responsibility to pay this for their error.
Product: Debt collection

I don't recall having a contractual relationship with this collection company GLA COLLECTION CO INC. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Product: Debt collection

Reached out to XXXX XXXX XXXX and Eastern Account System about a {$570.00} PAID collection they keep putting on my XXXX  credit report. This information is false and this XXXX related was paid over 2 years ago, with proof of cashier check from XXXX XXXX XXXX XXXX Bank. I have attempted to multiple times to get this removed. It is currently hurting me in closing on my house, I need immediate action taken on this false collection. I want someone to reach out to me immediately to get this removed or resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax gave me incorrect info when checking to see if I was impacted by their 2017 security breach. First I 'm told I 've been impacted, then I 'm told I have n't.
Product: Debt collection

Spoke to midland credit reacting am old account in my name with an old address where I did not reside at the time of the debt and since stated they had served me documents which I never signed for or received now they have wage garnished me thru my job. Ive requested for them to stop and dispute and they are not helping me all info Is incorrect
Product: Debt collection

I am a victim of identity theft I did not authorize these accounts need to be removed immediately as they are fraudulent
Product: Credit reporting or other personal consumer reports

These inquiries aren't mine, and I have no connection to the listed creditors.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against TRANSUNION for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against TRANSUNION for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Date of Charge Off : XX/XX/2024 Amount : {$2500.00} I have previously disputed the accuracy of this charge off account with TRANSUNION and provided evidence that the information is inaccurate. However, TRANSUNION has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report.TRANSUNION refusal to comply with this law is a clear violation of my consumer rights. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against TRANSUNION for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that TRANSUNION upholds its obligations under the law. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting

In 2014, I went to the XXXX Dealership to shop for a car, and they sent my credit report to several bank 's, which created multiple hard inquiries on my account. I did eventually purchase a car from them this summer, and specifically requested they would not send my information to several banks, as it seriously has set my credit score back. After reading about hard inquiries, I found that it may take up to two years for them to come off my credit report. This is frustrating me still, and my credit score is not improving by much, since the inquiries will not come off till XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I mailed via registered mail return green receipt to NAVY FEDERAL CREDIT UNION, a dispute letter regarding inaccurate and incorrect information being furnished to my consumer report. It's been over thirty days and NFCU has FAILED to RESPOND. The inaccurate and incorrect furnishing of this Information has had a grave effect on my family and livelihood. This Company is bound by law and has a DUTY to furnish accurate and correct Information.
Product: Checking or savings account

Made an ATM cash deposit of {$2700.00} with my debit card from Regions ... XXXXthe ATM was then making the transition and suddenly became dysfunctional... XXXXthen returned the card without any confirmation. I became aware that this was not a normal function of any ATM that I have experienced ... ..so I drove and parked, then proceeded into the Bank to address the current issues ... The person that responded was XXXX XXXX XXXX XXXX the ATM was under a XXXX party service called XXXX ... and could only file a Confirmation of Disputed Transaction. I immediately ask why there was not a posted sign for your customers to warning of cash deposits ... as I would have never used this process ... and immediately brought the cash to the bank teller instead. She had only the company policys to reply. As a senior citizen this is a XXXX draw back of my rights, and the funds not being available as my needs are very important. Please help.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block Inc ) due to inadequate customer service and unfair practices, which violates 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. Futhermore, 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 these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already sent multiple requests this XXXX, but the accounts listed below are still reporting on my credit report and are violating Federal Law. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues to report unconfirmed information. Please remove the following accounts completely from my Credit Report. 

XXXX OF XXXX XXXX Date Opened : XX/XX/2015 Balance Owed : {$550.00}
Product: Mortgage

I had auto-debit set up from my EverBank checking account to pay my EverBank mortgage payments. Without my knowledge/authorization, EverBank erroneously debited from my EverBank Money Market account instead of the EverBank checking account and drained the Money Market account. Once the account was drained, EverBank sent me a late notice for my mortgage payment. On XXXX XXXX, 2016, I called EverBank to straighten out the error. EverBank reversed all charges and put all money back into the Money Market account and pulled the charges from the correct EverBank checking account. BUT they said they were still going to report the late payment to the Credit Bureaus, even though it was their error. I want my Credit Reports corrected to show no late payment. If you look at my Credit Reports, you will can see that I had a perfect, on-time payment record on all my mortgages up until EverBank made this mistake.
Product: Checking or savings account

On XX/XX/24, I used a drive-up Huntington ATM located at XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX at approximately XXXX. I needed to deposit XXXX} in cash. I had a total of XXXX $ XXXX and XXXX $ XXXX. During the deposit, the ATM indicated that it accepted XXXX but kicked a XXXX} out saying it could not properly process the bill. I selected the option to deposit more cash. The screen signaled for me to insert the bill ( s ) but the slot for doing such never opened. After approximately 10-15 seconds, an error showed on the screen saying my transaction could not be processed and told me to take my card. Once I took my card from the slot, the machine went back to the home screen. The machine did not prompt me for a receipt at that time and did not return any of the money I had already put in. I checked my account immediately and did not see a pending deposit. I then called Huntington Customer Service ( XXXX ) at XXXX and was transferred to the dispute department. I gave the details of the occurrence as I am doing here and was told I would receive a credit for the amount within 24 hours ( as of this complaint on XX/XX/24 at XXXX, I still have not received my money ) and the dispute would be investigated.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, a collections company XXXX XXXX XXXX opened a report for {$1100.00} Inquiries : 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