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

Bank is Truist in XXXX KY,  XXXX XXXX location. On XX/XX/25 a charge was issued to my account that I had forgotten about and put my account into a negative balance- {$4.00}. I also have a checking account with XXXX XXXX XXXX that I use more often but I also check my Truist account daily andI noticed my account in the negative balance late on the XXXX. I tried to do an instant cash withdrawal through XXXX  with my brand new Truist debit card that I had just received and activated but it wasnt working, so I drove to the Truist location on XXXX XXXX and deposited {$5.00} to bring it out of the negativeit was around XXXX XXXX  before XXXX. I printed a receipt and it showed that my account was out of the negative but the date on my receipt was not the correct date. It was dated the XXXX at XXXX XXXX  which is incorrect, I deposited the money on the XXXX at XXXX XXXX. That in itself seems suspicious and corrupt. The next day Truist hit me with a {$36.00} over draft fee. I called and spoke with a couple of representatives that told me that there was nothing that they could do because the money had been deposited after XXXX XXXX  on the XXXX. Ive never read anything or been told that money needed to be deposited by XXXX XXXX  for in order for it to count if your balance was in the negative. I think most customers would assume that if you got the money in there before midnight that it should reflect the change in status. I feel like this is unethical business practices. After I explained to the representative that I had in fact deposited the XXXX dollars to get my account balance out of the negative on the same day, I feel like they shouldve granted my request. Im not sure how they can justify not doing it or how this can even be legal. I want the overdraft fee refunded to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my Experian credit report on XX/XX/20 after the sale of my home on XX/XX/20 to ensure my mortgage company XXXX XXXX XXXX ( XXXX ) reported the loan payoff and final payment activity correctly. My credit report showed that XXXX added a delinquent status in XX/XX/2020 indicating a late payment of over 60 days old and a negative payment status of Legally Paid In Full for Less Than The Full Balance. These are both errors as I made all my mortgage payments to them on time and they received the full payoff for my loan after closing. I confirmed with my closing attorney XXXX XXXX   XXXX  that XXXX  received full payment. 

On XX/XX/2020 I sent XXXX  a formal letter requesting they correct their errors on my credit report along with my XX/XX/2020 credit report, closing disclosure from XXXX XXXX XXXX and a copy of my XXXX  billing statement. 

On XX/XX/2020 I received a response from XXXX  stating that they would not correct their errors on my credit report. The correspondence included a summary of my mortgage activity from THEIR OWN SYSTEMS proving that I made all payments on time, that they had in fact received the full payoff amount and it was equal to the full balance owed. Despite this evidence they are refusing to update my credit report. 

I consulted my attorney and he recommended that I file a complaint with CFPB. Their error has dropped my credit score XXXX  points and I really need your help working with them to get this corrected. 

Thank you for your time and consideration, XXXX XXXX
Product: Debt collection

In XX/XX/XXXX ( per XXXX ) someone using my identity created an account online as a seller with XXXX. Apparently item ( s ) were sold and then a " charge back '' was initiated by a customer. It appears XXXX paid that individual {$100.00} and charged it to this fraudulent account. Since the fraudster did not pay them they put this into collections with Convergent. I had disputed this to XXXX and they denied my dispute, without explanation. 
In XXXX, I received the first notice from Convergent that this debt was in collections. I contacted XXXX XXXX, a service that was first provided to me as a result of the XXXX breach in XXXX. Together we contacted both Convergent and XXXX to explain this was fraud. We were advised to proved Convergent with a police report and FTC Identity Theft Report as proof of identify theft. That was sent to Convergent on XX/XX/XXXX. On XX/XX/XXXX I received the response from Convergent. Letter was dated XX/XX/XXXX and stated that XXXX has rejected my dispute again. They did not disclose any reason why it was denied this second time either. 
Conversations with XXXX have been a series of transferred calls and no communication as to why they have determined this fraudulently opened account was a valid account. 
One day after receiving the response from Convergent on XX/XX/XXXX ; a representative from Convergent was already calling me and asking me when I am going to do to settle the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX I submitted a dispute via certified mail to XXXX noting that inaccurate information was being reported on my credit report. I requested that all information in question be lawfully validated or removed. I received no validation or response. I then submitted a follow up dispute XX/XX/XXXX. Once again I received no validation or response.
Product: Debt collection

2017, {$1600.00} was taken from the credit card after we paid it off
Product: Money transfer, virtual currency, or money service

Plastiq refunded XXXX transactions of {$490.00} on XX/XX/XXXX. Each refund should have been for {$500.00} ; they forgot to refund the {$4.00} fee, so I've only been refunded {$490.00} on each transaction. I reached out to the chat support on XX/XX/XXXX, followed up once a couple weeks later, but I have since received no reply. I'm submitting this complaint because they seem to have forgotten the issue. The payment Ids are below. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I have a loan with XXXX XXXX XXXX XXXX Balance XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a terrific payment record with this company. I tried contacting the 3 Credit Bureaus with no successful resolution. There was definitely an error on their part. Investigate and update the current status to reflect accurately.
Product: Debt collection

I found out about the debt XXXX XXXX 2020. I contacted the company and as them to do a fraud investigation and they said only if I provide copies of ssn card and drivers license. I said no why would I give my personal ID on an account that I did not open. I was told that the account was open via online in XXXX 2020 at midnight for a business at an address i never lived. Once the account default they called me but before default money was auto draft from an acct I never had and they have been speaking to this fraud person regarding the acct along with references. No inquiry has ever appeared on my credit file from the company especially because i have always had a credit lock. This company is known for opening accounts against consumers claiming via online w no inquiries then trying to collect on false debts and is always sued. Also i have a ftc report and irs fraud report because my ssn was stolen.
Product: Vehicle loan or lease

Hi, I have been recently notified about the fraud in reference to my account with Santander. I purchased a XXXX XXXX  with Santander through Roadloans. I was not asked to provide any type of check stubs or anything and was approved. All I had to do was take the paper work to a participating dealership and show them the approval and my driver 's license along with my {$400.00} down payment. I struggled making the payments on the car when I got the car. The car was repossessed and I was able to come up with the money and get the car back. I was able to keep the car for a few months before they came and repossessed the car for a second time. No one would work with me when I called to set arrangements on the payment. The car was repossessed the second and final time in XXXX around XXXX. Since then the account has remained opened as a charged off account the entire time and they have made updates to the account as late at XX/XX/XXXX. I have not had any access to the account for it to have any activity. I have not been notified of when the car was sold, who it was sold to or how much it was sold for. " Based on the investigation, the coalition alleges that Santander knew that certain segments of its population were predicted to have a high likelihood of defaulting based on sophisticated credit scoring models. Per the lawsuit that Santander is involved in, I believe that I am a victim. Santander exposed these borrowers to unnecessarily high levels of risk through high loan-to-value ratios, significant backend fees, and high payment-to-income ratios. The coalition also alleges that Santanders aggressive pursuit of market share led it to underestimate the risk associated with loans by turning a blind eye to dealer abuse and failing to meaningfully monitor dealer behavior to minimize the risk of receiving falsified information, including the amounts specified for consumers incomes and expenses. Finally, the coalition alleges that Santander engaged in deceptive servicing practices and actively misled consumers about their rights and risks of partial payments and loan extensions. '' Please look into this as it has caused a huge embarrassment to my life.
Product: Checking or savings account

On XX/XX/XXXX a deposit of {$6500.00} was made at the XXXX XXXX branch of Wells Fargo. Funds were supposed to be released the following day. On XX/XX/XXXX it was found that a hold was placed on the entire XXXX check deposit. Wells Fargo was addressed as to why this hold was placed on the check as we have history of depositing these checks without hold before. Wells Fargo was unable to give us and answer and continued with the 7-Day hold. On XX/XX/XXXX I went to the bank to discuss the hold and remedy the problem. The hold was released on the {$6500.00} check and cash was given 2 mi in the amount of XXXX. That night they place the hold on the check again, making my account overdrawn over {$6000.00}. Transactions including my medical insurance where declined and Wells Fargo charge me {$35.00} for each declined transaction. My insurance it's scheduled to be canceled due to non-payment/ payment rejection by Wells Fargo XXXX It is now XX/XX/XXXX and my account is still overdrawn over {$6000.00} with Wells Fargo refusing to release the hold and provide me information on why the check is still on hold and proof of non-payment by the issuer of the check. Wells Fargo has not provided any documentation or proof of non-payment and refuses to release the hold of my check. That's my account continues to be overdrawn and incur fees and my bills and payments continue to be rejected by Wells Fargo.
Product: Credit reporting or other personal consumer reports

This is a violation of 15 U.S. code 1681i ( 5 ) removal of inaccurate/ invalidated credit information. Please remove immediately. XXXX, Equifax and XXXX all have different statements
Product: Credit card or prepaid card

I am the victim of a sophisticated fraud perpetrated by my ex wife XXXX XXXX against me over the life of our marriage. I have consulted with local authorities and with legal counsel, and I have been advised that my rights under the consumer protection statutes at both federal and state level are applicable here. However, after notifying Discover of the fraud discovered, they allegedly conducted an investigation and decided to ignore my rights under the law that protect victims of Identity Theft. I understand that the circumstances are not your cookie cutter, cut and dry identity theft - however if you look at the totality of the situation- I never benefitted, authorized, or was aware of any of these accounts opened, maintained, and used in my name. My signature was forged, in every single instance that the cards were used. Payments were made from an account not under my name. The forgery and deceit is of the highest level, and I have stated numerous times that I am willing to cooperate with and assist with any prosecution for forgery, fraud, and ID theft charges that should be levied on XXXX. 

Pursuant to the guidance issued by the CFPB and The Federal Trade Commission, I have included my law enforcement report and my notarized Fraud Affidavit in this complaint. This ID theft report has been provided to all my creditors, however Discover is choosing to ignore the facts and reach a conclusion against me, the victim of a sophisticated Fraud. 

Discover has been provided with a legal notice summarized here : " Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). '' They have failed to abide by those requirements and more, and therefore leave me no choice but to pursue assistance from the CFPB in order to resolve this fraudulent debt against me.
Product: Money transfer, virtual currency, or money service

Some hacker must have compromised my email by signing with paypal. i don't see how that's possible but I started receiving receipts in my email about Paypal. My email was connected to another persons account and he most likely committing fraud to do it. I reported it to Paypal and they said in 48 hours my email won't be attached to the account anymore. It's been a week and they never answer. When I call them, they tell me to do the same thing or just wait. It doesn't make any sense as to why Paypal is allowing a criminal to use my email on a paypal account. I am kinda baffled by the situation at this point. I figured to report this because this is starting to feel criminal to me, like aiding and abetting. 

This is like a form of entrapment where a company and a criminal take advantage of a random stranger to commit fraud under the disguise of someone else 's email.
Product: Credit reporting or other personal consumer reports

On XX/XX/16 I traded in my XXXX XXXXr to XXXX  of XXXX XXXX for a brand new XXXX  They couldn't obtrain financing and pay off my trade till XXXX. They didn't notify me and I repeatedly contacted because I was also unable to obtain a legal plate within 30 days and could n't drive the financed car.
Product: Debt collection

J.H. Portfolio debt collection practices on my credit and have been placed for collections. 
I contacted the XXXX major Credit bureaus, and J.H. Portfolio with an ID Theft Report proving to them that I was the victim of Identity Theft. I was overseas in XXXX when the account was opened. I have not received any financial gain from the above accounts. 
Portfolio validated the debt as mine, yet they did not provide any documentation legally linking me to the accounts. 
The problem with their validation is : 1. The accounts are linked to an address that I have never resided at. 
2. The number one way companies validate an account is through a signature neither of the entities above have done so. 
3. My information along with others in his XXXX XXXX had been stolen J.H. Portfoliois very aware of the Fair Credit Reporting Act ( " FCRA '' ) and Federal Debt Collection Practices Act ( " FDCPA '' ) laws against " re-aging time barred accounts '', and the laws on " debt duplication ''. Their continued demand for money from our client is in violation of FDCP statutes 806 Harassment or abuse 807 False or misleading representations 808 Unfair practices 809 Validation of debts I request that you contact them demanding they validate these accounts. If they can not according to the FCRA, a block and or deletion of the accounts must take effect. FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of -- ( 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 is not information relating to any transaction by the consumer. ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section -- ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block. 

In the meantime J.H. Portfolio must cease and desist all debt collection practices. 
In the event J.H. Portfolio or the bureaus makes the " work-shy '' claim that the request for the block according to 605b was made in error they must properly and due diligently validated the accounts.
Product: Credit reporting or other personal consumer reports

I got a copy of my credit report and noticed theres a late payment on my account that Im unaware of. I have asked the company to remove the late payment because its inaccurate.
Product: Checking or savings account

Okay so basically for some reason td bank decides to put a restriction on my account and notes they going to close it so I cant collect my funds to hold restriction out on by the XXXX  demarketing team which need to be the ones to give the ok to remove it so yeah I went to the branch for verified the branch worker sent a email out they have lifted the restriction yet so they can pay me out my funds and this is a problem I need help collecting my funds
Product: Credit reporting or other personal consumer reports

I've expressed my complaints regarding identity theft on multiple occasions. Within four business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( XXXX ) suitable identification proof ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the consumer 's identification of the relevant information; and ( XXXX ) a declaration from the customer stating that the information is unrelated to any transactions. 

XXXX XXXX XXXX XXXX : {$10000.00} XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> 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 XXXXXXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove the late payments still showing on my credit report from MACYS/DSNB. I believe the credit was they citibank at the time the servicing errors were made but it is showing dsnb on the report. XX/XX/2017, XX/XX/2017, and XX/XX/2017 late payments currently showing on credit reports needs corrected and removed. I am also currently impacted by covid19. This is old debt and is no longer collectible due to the statute of limitations. Also the amounts were wrong and inflated. I tried for several months at the time to correct this with the phone team. However they got real mean and refused offer a remedy to the situation. Placing me on long holds and even shouting at me when they asked my political affiliation and I mentioned trump. They really got malicious with the hold time and then sabotaged the account with fees. The fair debt collection practices act was not followed at all. It is shameful the XXXX XXXX XXXX who work in these call centers. They are all so XXXX and XXXX, totally inept. Please remove all derogatory reporting for all credit reports and mail me a letter confirming this as well. Please remove all the late payments that were reported. Do this for XXXX XXXX XXXX XXXX. I recorded some calls for court and saved all the documents. Please do the above in a timely fashion to avoid civil lawsuits. XX/XX/2017, XX/XX/2017, and XX/XX/2017 late payments currently showing on credit reports needs corrected and removed.
Product: Credit reporting or other personal consumer reports

I started working with a credit repair specialist by the name of XXXX XXXX in XXXX of XXXX. I allowed them to access my personal information and attempt to correct credit errors and repair on my behalf. It was a paid service, so I was expecting a successful outcome. The named did not only place a freeze on my report, but ran my credit through several different companies and opened up phones in my name. I have tried to contact this person, but they have disabled any contact info I had and is M.I.A. Now I am finally trying to buy a car in my name and my credit is terrible.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I submitted comprehensive documentation, including the FTC Identity Theft Report, Police Report, and a Statement with clear identifiers. These documents outlined that the XXXXXXXX XXXX XXXX account, opened on XX/XX/XXXX, with the account number XXXX, was not initiated by me but by someone else through Identity Theft. Despite compelling evidence provided by the XXXX XXXX Police Department confirming the fraudulent nature of the account, XXXX, Experian, and XXXX have refused to remove it from my records. XXXX has already taken appropriate action by eliminating the account due to Identity Theft. 

XXXX and Experian failed to furnish any evidence indicating my involvement in opening the account or justification for retaining it on my record. On XX/XX/XXXX, I supplemented my claim of identity theft with further evidence, including a signed document from an in-patient facility, demonstrating my incapacity to engage in any financial transactions, such as securing a car loan, during the period when the fraudulent activity occurred. Despite this, XXXX persisted in its refusal to remove the account, providing no substantive rationale. I am including a completion letter from the facility attesting to my confinement during that time, along with the police report and XXXX affidavit. 

In response to XXXX 's communication on XX/XX/XXXX, asserting the conclusion of their investigation into my identity theft claim, I maintain that their decision is erroneous. They have failed to present convincing evidence or transactions validating my involvement in the procurement of the vehicle. Their continued reluctance to remove the account and inability to provide accurate proof of my presence during the purchase necessitates my pursuit of legal action if prompt resolution is not achieved by expunging this account from my credit reports.