23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am disputing the accuracy and completeness of the following account reported on my credit file, as there are multiple discrepancies and inconsistencies across the bureaus. Please investigate the account for compliance with the Metro 2 format and CDIA guidelines : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whomever it may concern, The actions of XXXX XXXX  and the various agencies that have refused to address this manner are acting against Fair Credit Reporting Laws. I am attaching additional documentation for my communications with XXXX XXXX. You can see that they inferred that they would make a goodwill adjustment, despite the fact that there was never a missed payment to begin with and XXXX XXXX  has told me each time I call to write a letter or report to the credit bureau to get it fixed. Everyone who answers the phone apologizes and says that they don't have such authority. Please read attached correspondence that are screenshots from communication with XXXX XXXX, as well as the previous dispute.
Product: Checking or savings account

I did not receive my {$320.00} welcome bonus per the terms of the promotion.
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 15 USC 1681. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX 
Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX  XXXX Account Number : XXXX and 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: Checking or savings account

My checking account was closed by Suntrust Bank. In XXXX of 2019, I had {$7.00} in my account and my XXXX charge of {$8.00} was taken out of my account. When XXXX charge me {$8.00} I was in the negative by $ XXXX. I spoke with the branch manger who said she could not waive the {$35.00} fee at the time because they had waive one earlier that year for me in XXXXI called customer service fora better of how I they are charging me {$110.00} 1st : ( - {$1.00} ) 2nd : overdraft fee of ( {$36.00} ) 3rd : extended overdraft fee ( {$30.00} ) 4th : maintenance fee of ( {$7.00} ) 5th : admin fee of ( {$30.00} ) 6th : who knows? Total XXXX XXXX XXXX I still don't see how they charge me {$110.00} because this only equals {$100.00}. So, not only did they take my {$7.00} they turn my $ XXXX into a {$100.00} profit. WOW!!!
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened a The accounts in question are as follows : 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 Balance : {$10000.00} I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, are the result of identity theft and fraud.
Product: Credit card

On XXXX XXXX, 2015, I made an on-line purchase for pillows totaling {$49.00}. I charged this to my Macy's/XXXX XXXX Credit Card , which was recently sent to me as a replacement for my original Macy 's issued card. Following this, I awaited receipt of a bill from Macy 's so that I could pay the correct amount owed on time as I have consistently done in the past. HOWEVER, I NEVER RECEIVED A BILL FROM MACY 'S. I would have gladly paid the amount I owed in XXXX, but since I never received a bill as I had in the past, I was unaware of the fact that this bill was outstanding. I have subsequently learned that Macy 's made " recent upgrades with their online payment system '' on XXXX XXXX, 2015. The result was that I never again received any statement, invoice or notice about the outstanding charges either by email or paper statements, from XXXX through XXXX 2015. To clarify, I HAVE NEVER RECEIVED ANY EMAIL MESSAGES OR E-STATEMENTS OR PAPER ACCOUNT STATEMENT FROM MACY 'S INDICATING THAT I HAD ANY OUTSTANDING CHARGES OR LATE FEES SINCE THE ORIGINAL PURCHASE IN XXXX. 

On XXXX XXXX, almost five months later, I finally received a bill from Macy 's for {$190.00} [ {$140.00} of this being late charges ] and was told my account was now in collection. I called to inquire about this outrageous bill ; the customer service representative was less than helpful. She told me that even though Macy 's never sent me any bills or notices, that this was somehow my fault and that there was nothing she could do to help sort out this problem. I asked to speak to a manager and she said she would note that and ask that someone call me. She also stated that I had agreed to receive notices via email, which I do not recall doing. In fact, there is nothing on the Macy 's online account website that allows customers to make this choice. 

On XXXX XXXX, I made a payment over the phone for the total balance I originally owed -- {$51.00} -- and a different CS rep agreed to waive two months of late fees, which was the limit of her authority. 

My balance according to Macy 's remains at {$73.00} in late fees. THIS IS STILL UNACCEPTABLE. Macy 's supposed " upgrades '' to its billing system appear to have caused the termination of any communications with me or issuance of any monthly statements. Instead, the new system initiated the assessment of late charges at an alarming rate, without any knowledge on my part. 

I believe it is totally deceptive and unfair for Macy 's to charge me such excessive fees due to Macy 's own failure to send me a bill or notify me until now. This new system appears to be designed to ensure that extravagant late charges are applied without the customer being notified of them. 

Further, several of the online guidance items entitled " How do I add my Macy 's Credit Card to my existing macys.com profile? And " How can I dispute a charge on my Macy 's Credit Card? '' which evidently are administered through yet a fourth corporation, Department Stores National Bank, do not work and did not allow me access to complete any of these functions online in the past few days.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX ; XXXX XXXX ; XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX  XXXX Balance : {$6200.00} ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Reference # XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Checking or savings account

On XX/XX/year> an unauthorized amount of {$3500.00} was taken from my checking account from auto lender XXXX XXXX. I was also charged a {$25.00} fee to hold the lender from charging any other unauthorized amounts
Product: Debt collection

I contacted original Creditor and I got the paperwork corrected 2018 now new creditor threaten to take me to court and sue me for everything I got and that I can put my vehicle up for payment and that they can take my stimulus checks.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the accounts and inquiries listed below from my credit report. I am a victim of a data breach, and these entries are fraudulent. As per 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have fraudulent accounts resulting from identity theft blocked and removed from my credit file. 
Fraudulent Accounts : 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 XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am filing 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 these violations. Can I please get the money i was owed i was tooken advantage of and cashapp call center stole everything. I have a XXXX XXXX  and you are going to take my money
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017 XXXX XXXX appeared on my credit report with a balance of {$400.00} I am disputing this item. Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly?

Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 


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 XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX  should not be reporting a collection/chargeoff in the amount of {$1600.00} on the XXXX partial account number XXXX. ( Please see pages attached from my credit report, along with a copy of my Drivers License and W 2 for  identification purposes to investigate this complaint. ) I have attached a copy of the payment history for reference showing this account has been paid and there nothing to collect and/or chargeoff. This account needs to report a {$0.00} balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this however, I have not been successful.
Product: Mortgage

2 months after my closing, Mid-Island failed to pay my home owners insurance on time which I only discovered when my insurance provider sent me a Final notice before cancellation. That was since resolved after I frantically contacted anyone I could, including the loan officer, to have this issue resolved. As a result of the failed process of paying my insurance, I asked them to also check and ensure the tax payments, which were due around the same week, processed and were properly received by my town. At this time, the payments are now 6 months overdue and my property taxes are now in arrears and my name and property information appeared on my town 's Tax Lien Sale Bulletin this month.
Product: Credit card or prepaid card

I have an American Express credit card. I had a balance due on XXXX XXXX for {$3100.00}. I made a payment on XX/XX/XXXX for {$2000.00} and another payment on XX/XX/XXXX for {$1000.00}. The payment for {$2000.00} was returned on XX/XX/XXXX because I didnt have enough money in my account. It was unintentional and I sent a new payment on XX/XX/XXXX. As of XX/XX/XXXX, I had paid my balance in full. The Statement was from XXXX XXXX XXXX. I got charged a return payment fee of XXXX ( which was later reversed ) and Interest Charge on Purchase for {$45.00}. I assumed the Interest Charge on Purchase was for the 4 days I was late. Then, I had a payment due on XX/XX/2022 for {$1300.00} which I paid in full on XX/XX/XXXX and XX/XX/XXXX. To my surprise, I received another Interest Charge on Purchase for {$31.00} on XX/XX/XXXX after I paid my entire balance that was due on time. When I called them about it this morning they said it was a residual fee. It was going to take paying my bill on time for two billing cycles to resolve. I should have not been charged this fee because I paid my entire balance on time. This charge should not be allowed and its hurting consumers. It also makes so sense. I am still trying to understand how I got interest for a payment I made on time. Am Express said they were going to remove it, but it should not be allowed and its unlawful. They are committing a crime by charging people these fees that make no sense. I think we wall know we have to pay a fee when we dont pay the full amount on time. However, there should be no penalty for paying in full on time. Also, I already paid a fee last month for my late payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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
Product: Credit reporting or other personal consumer reports

I Filed dispute against 2 reported collection charges on my XXXX and Equifax Report. Each was from the same company at the same amount, XXXX dollars. One stated delinquency date was XX/XX/year> and the other was on XX/XX/year>. 
I requested a detailed description and charges of the alleged products or services reported for each and the date I allegedly received the product or service. Also, according to HIPPA, it was not to be disclosed without my written consent that I received medical/ health services form this company without my written consent. This is displayed on each credit report. They were asked to provide this and they did not. I have been charged for something without any disclosure or description of products or services. I should not be expected or required to pay for anything that a validation or description of products/services can not be provided. Equifax and XXXX replied that the information was verified but did not provide me with any documentation requested on validation. I also requested if any insurance claims against this alleged service or product be provide with detailed information. I have received no validation of the charges or authorization to disclose that I received health care form XXXX XXXX XXXX.HIPPA has not been adhered to.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE U.S. Department of Education approved my student loan discharge in the amount of about {$53000.00}, due to my Veterans service connected XXXX. I have supplied each bureau with disputes and documents twice, and have not gotten accounts removed. In addition there are entries that I have disputed of companies that performed credit checks that I did not authorize and XXXX  fails to remove account along with a XXXX XXXX secured credit card that is past my state 's statue of limitations on reporting and although the bureaus claim to conduct a honest and fair investigation, this could not be possible because This account, secured credit car, I never opened.
Product: Money transfer, virtual currency, or money service

Complaint against PayPal : XXXX XXXX XXXX and XXXX PayPal XXXX XXXX XXXX XXXX. 
XXXX XXXX, XXXX  XXXX RE : Your PayPal case : XXXX case denied I have been trying to resolve a dispute with your fraud department for a couple of weeks now. Their go to answer seems to be NO despite this being a clear case of fraud which XXXX protected against by XXXX. I am writing to ask for your assistance in appealing the above denial. The fraudulent transaction was processed despite the fraud being reported, the card being closed due to fraud, and assurances from the PayPal team that no further transactions would be processed. Heres the timeline : XX/XX/year> : I was on the XXXX website and clicked on a link that was reputed to be from XXXX. Unfortunately, the link was fraudulent. I used this link to provide XXXX with debit card information so that I could complete a sale of my goods. The link required me to provide the account balance and I verified that the balance was $ XXXX. The information I received stated that they would perform a transaction for a small amount to verify my account and then the transaction would be reversed. Unfortunately, this information was all fraudulent and I was not dealing with a XXXX representation. When I realized that the link was likely fraudulent, I called PayPal immediately. I did not purchase anything or receive anything. 

XX/XX/year> I reported the fraudulent transaction of {$XXXX}, this transaction was stopped and my debit card was closed. I was assured that no further transactions would be approved. This transaction was denied as requested. 

XX/XX/year> A new transaction from the same fraudulent party, in the amount of {$XXXX}, was approved and deducted from my account. How can that be? The debit card was closed. 

As a PayPal customer of over XXXX  years I am disappointed by the treatment that I have received. In addition to that, as a long-time Credit Union XXXX XXXX I know that it is not my responsibility to absorb the cost of this fraudulent transaction. While I have never had to report a fraudulent transaction in the past, I know that this is precisely the type of fraud that is covered under the XXXX agreement. If this is not resolved in my favor, I will be forced to file a complaint with both XXXX and the Consumer Financial Protection Bureau ( CFPB ). 

I appreciate your time and attention to this matter. 

Sincerely, XXXX XXXX
Product: Payday loan, title loan, or personal loan

We were victims of hurricane Irma in XXXX Florida. Our power was out for a week from XXXX XXXX through XXXX XXXX. Due to limited access to internet and financial and government institutions being closed, I missed a {$15.00} payment on my credit line. On XXXX XXXX, I called PNC to make payment and bring the account current. I spoke to XXXX XXXX at PNC at XXXX. He assured me the late hit on my credit report would be reversed. I tried reaching out several times following our initial conversation leaving voice messages with XXXX XXXX at PNC with no reply. PNC needs to reverse the 30 day negative late on my credit report.