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

I received a large deposit into my account from my son 's business ( {$80000.00} ). Approximately 15 days after the deposit, my account was frozen. I requested feedback from the bank ( Truist Bank ) regarding their rational for freezing the account. After calling and stopping in the bank numerous times, they would only say that something was wrong with the deposit and that the " back office '' was investigating. However, they never supplied any documentation to support their claim. Further, I requested that the bank allow me to discuss the matter with their " back office '', but they have refused multiple times. This has been going on for over 45 days. I am a XXXX retired senior ( XXXX XXXX XXXX ), receive my XXXX retirement funds by direct deposit and need access to these funds in order to pay my bills. Please help me resolve this very distressing situation.
Product: Credit card or prepaid card

Prior to XX/XX/XXXX XXXX contacted American Express concerning debit to my card, which showed entries of XXXX penalty for a declined payments-these payments were auto set up and were being paid from my checking account and was being paid up until sometime in XXXX, when subsequently I realized that this debit was occurring, I call AA and was told that they can not waive because MY BANK, in this XXXX XXXX XXXX declined payment. 
I contacted XXXX and they have not record of this decline. Subsequently In frustration with XXXX  reps not being able to resolve, I wrote to XXXX  on XX/XX/XXXX, ( copies of the correspondence and post office receipt is attached ) outlining my concerning, with evidence. To date I have not received any correspondence concerning this issue. 
On XX/XX/XXXX I paid to to the card what I believe I legitimately owes them, and intend to discontinue ANY relationship with them, since it appears that they are treating this matter with utter contempt, notwithstanding, I would like to have this resolved. 
Thank You
Product: Checking or savings account

I went to Chase bank XXXX XXXX XXXX XXXX, PA XXXX I wrote out a check to XXXX XXXX for XXXX dollars to send to her. Thought I was getting a product in return. Deposited the check into Account # XXXX routing # XXXX she said her home address was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX how ever this was an address for a Chase branch at that location and the people at Chase should have not excepted the check or refused to cash it. After I deposited the check on XX/XX/year> the Chase receipt said notice of delayed deposit availability account ending in XXXX amount delayed XXXX date when available XX/XX/year> IT said Checks within this deposit may not be paid because of information we've received from the paying bank or due to information we have within our own systems. So they knew that something was wrong?? I called them on XX/XX/XXXX and asked if they cashed it cause they told me over the phone there was something wrong with the account. So I called them back on XX/XX/year> to talk to them the XXXX XXXX XXXX said that the released the funds on the XXXX of XX/XX/year> I told him that the account was fraud he said that he could see my check for XXXX sitting in the account so I said get it back he said he knew that there was something wrong about the account. He said to file a complaint with Chase fraud I filed complaint # XXXX on XX/XX/year> also called Chase Fraud XXXX to make them aware> I called back 10 times and they say the cant give me any information because I am not a Chase account holder? I need to get this money back they cashed this check knowing the account was bad and know they refuse to take my calls PLEASE HELP ME????
Product: Credit reporting or other personal consumer reports

On XX/XX/2024( Equifax account XXXX XXXX ) / ( XXXX XXXX XXXX  XXXX ) / ( XXXX XXXX XXXX XXXX ), started reporting an inaccurate account status of a paid closed account on my credit report, this is a ( non-credit ) telecommunications account with XXXX which has never been late nor has the account ever been in collections so, therefore, should not be reporting as an erroneous credit-related charge-off or paid utility collection. This account is negatively and unfairly affecting my credit report/ credit score. Under the FCRA, information on my credit report should be reporting 100 % accurate. 

Please delete account.
Product: Money transfer, virtual currency, or money service

I called a phone number on an email I received that was supposedly from PayPal asking me to authorize the purchase of a laptop computer for {$470.00}. When I called the number the man on the phone told me I had charges on my PayPal account that he could help me remove. He asked me to download an app called " Any Desk '' which would help him do this. He then used this app to add charges to my PayPal Account and bank credit cards. I realized it almost immediately and called the banks cards and they removed the charges immediately, but PayPal refused to remove the charges, and we have been in a deadlock ever since the happened on XX/XX/2023. I have XXXX XXXX XXXX XXXX and have been negotiating through them with no success.
Product: Debt collection

The creditor never states the company or who they are. The message simply gives a name of the person and how they need a phone call back today regarding a very important business matter. They called 3 times within 1 hour, twice on my cell and once to my work.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This letter serves as a formal and urgent demand regarding the unauthorized, inaccurate, and illegally obtained information on my credit report related to XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. 

It has come to my attention that XXXX XXXX XXXX XXXX XXXX has paid for access to my personal information, which constitutes a gross and unacceptable violation of my privacy rights. This practice is not only illegal but also unethical. Without my consent or a legally binding agreement, any use of my personal data is a blatant breach of privacy and federal law. 

Who authorized this? Who are you to allow such blatant misconduct? I have no contractual relationship with XXXX XXXX XXXX XXXX XXXX, and they can not provide any legitimate documentation to prove otherwise. How can you verify something that has no legal basis? Your continued reporting of this inaccurate and illegally obtained information is reckless, harmful, and completely unjustifiable. 

I know you can care less about this because it isnt happening to you, but your inaction is actively obstructing my ability to purchase a home and jeopardizing my financial stability. Your actionsor lack thereofare not only negligent but dangerous. 

Let me be perfectly clear : You and XXXX XXXX XXXX XXXX XXXX are complicit in violating my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable laws. This will not be ignored. 

I demand the following actions be taken immediately : 1. Complete removal of all entries related to XXXX XXXX XXXX XXXX XXXX and XXXX XXXX from my credit report. 
2. A formal investigation into how my personal information was accessed, sold, and used without my consent. Provide written documentation of your findings.

3. Written confirmation of compliance with these demands within 24 hours of receiving this notice.

Failure to comply will leave me with no choice but to take further legal action. I will work with my attorney to pursue all available remedies, including but not limited to financial damages and penalties for your violations of federal law. I will also ensure this misconduct is exposed publicly.

This is your final warning. You now have 24 hours to act and provide proof of resolution. 

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

I have obtained a copy of my credit report from Transunion and i have found several inquires on my consumer report that i did not authorize nor did i give permissible purpose or written instruction for this information to be furnished on my consumer report. Transunion is in violation of the FCRA 15 usc 1681b.
Product: Vehicle loan or lease

CSC/XXXX  XXXX XXXX XXXX serviced my auto loan. At the end of the term of my loan they disabled automatic payment without notice and without my consent for the final payment. This resulted in the payment being late. I suspect this may be a deliberate practice to extract additional fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my numerous endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX Balance Owed : {$130.00} XXXX  XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX XXXX Date Filed/Reported XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WV XXXX I have some issues with inaccurate date showing that doesn't belong on my report. My correct spelling and name is XXXX XXXX XXXX please remove any other version of my Legal name. It is causing issue with another XXXX in my city. Please delete the following address XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX, XXXX OH XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX. MY EMPLOYMENT IS I AM THE OWNER OF XXXX XXXX XXXX. 
There is a XXXX XXXX this account was never verified please delete, XXXX XXXX XXXX LATE PAYMENT THIS IS A ERROR PLEASE DELETE. XXXX XXXX  account that should be deleted that account was never late and had been settled already error please delete.
Product: Credit card or prepaid card

I opened three additional cardholders and finished the purchasing criteria, but only received the bonus for one card ( {$25.00} ).
Product: Debt collection

I have never been contacted by, nor have I ever contacted I.C. System, Inc. or XXXX XXXX. I have never held an account with I.C. System, Inc. nor have I ever held an account with XXXX XXXX. On XX/XX/2022, I was notified by XXXX of a new collections account that was flagged by I.C. System, Inc on XX/XX/2022. I have no knowledge of this account. There has been no attempt made to contact me regarding this account.
Product: Debt collection

I have made numerous attempts to have National Credit Systems be removed from my credit report do to inaccurate information being reported, I did try to verify the outstanding account with the information that is being reported on the National Credit Systems website but it shows that i do not have an account. I have not had any successful attempts in getting the information updated on my credit report to have it removed. I contacted the collection agency directly and there is a different amount the what is being reported. No one is assisting me with this issue.
Product: Credit reporting or other personal consumer reports

i disputed inquires to all the crdit buarurs and XXXX  deleted all inqiures on my report that was fraud and XXXX  deleted all the same, and i filed this frooaud on XXXX but experian will not delete or reove the fraud inqures and is the only agency with the issue on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on 10/27/22 to update this suspicious information. I think they have not validated the account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, and XXXX, and I'm including it again. 


XXXX XXXX XXXX : {$0.00}
Product: Money transfer, virtual currency, or money service

Iam filing a complain again CASH APP ( Block , inc ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Specifically, cas app failed to take timely and effective measures to Peruaner address fraud, leaving my account vulnerable and u protected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under 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: Money transfer, virtual currency, or money service

I accidentally sent money on XXXX to someone I do not know and I wasnt able to get it back.
Product: Vehicle loan or lease

1. Wells Fargo repossessed vehicle without sending Notice of Default and Right to Cure. 
2. Used stimulus check to get payments caught up. Then requested loan payment deferral due to covid layoff. Wells Fargo denied the deferral, and shortly after repossessed the vehicle. 
3. I have the funds to get payments caught up in full, they will not allow me to pay anything except the outstanding balance.
Product: Credit card

In XXXX, a federal government-backed debt security was used to acquire a {$2500.00} line of credit for the trust estate in discussion. Without the consideration of the trust estate, PAYPAL HOLDINGS INC. presumed equitable interest, initiating a breach of fiduciary duties since the federal public security number owned by the Social Security Administration, a United States federal agency, was used to regulate the account. Through the oversight of material facts, PAYPAL HOLDINGS INC. has neglected their official capacity, committing the offense of embezzlement of federal funds, initiating damages.

A Notice of Rescission of Equitable Rights was sent to PAYPAL HOLDINGS INCXXXX with no response as of yet. XXXX XXXX XXXX XXXX 's omission of material facts has caused them to devise a scheme to defraud, using the United States Postal Service for the purpose of executing this scheme.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXXXXXX Balance : {$19000.00} ; XXXXXXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$74000.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX XXXX  XXXX XXXX Balance : {$5200.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX : {$25000.00} ; XXXX XXXXXXXX XXXX XXXX : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  ) XXXX Balance : {$71000.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a medical collection from Hospital Collection Services being reported to XXXX that should not be there. 

I have contacted Hospital Collection Services and XXXX on XX/XX/2021 / XX/XX/2021 / XX/XX/2021 and have yet to have them respond. 

This collection has been removed from XXXX as they know they were illegally reporting this information. 

" Furthermore, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to any Medical Office for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patient 's authorization, therefore my request is two-fold and as follows : Validation of Debt and HIPAA authorization : - Please provide a breakdown of fees including any and all collection costs and medical charges- Please provide a copy of my signature with the provider of service to release my medical information to you Their failure to comply is a direct violation of my rights under the FCRA and FDCPA. 

This illegal collection has and continues to hold me back from being able to utilize my credit and is causing major distress to me.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting for XXXX XXXX Account # XXXX To Whom It May Concern, This is my third and final attempt to have the blatantly inaccurate and unacceptable information corrected on my credit report regarding the XXXX XXXX account ( # XXXX ). My previous requests, sent on XX/XX/XXXX, and XX/XX/XXXX, have been ignored, which constitutes a clear violation of my rights under federal consumer protection laws, including the Fair Credit Reporting Act ( FCRA ). 
Let me make this XXXX clear : if no action is taken immediately, I will proceed with legal action and escalate my complaints to all relevant regulatory authorities. 
Account Details High Balance : {$20000.00} ( all bureaus ) Last Verified : XX/XX/XXXX ( XXXX ) ; Not verified ( XXXX and Equifax ) Date of Last Activity : XX/XX/XXXX ( XXXX ) ; XX/XX/XXXX ( XXXX ) ; XX/XX/XXXX ( Equifax ) Balance Owed : {$18000.00} ( XXXX ) ; {$17000.00} ( XXXX and Equifax ) Payment History : XXXX and XXXX : Incorrect 30-day late payment reported for XX/XX/XXXX. 
Equifax : Incorrect 30-day late payment reported for XX/XX/XXXX. 
Clear and Unjustified Errors Nonexistent late payments : My account has been current and without delinquencies. The reported late payments are false and entirely unsupported by facts.

Inconsistent data : The dates of last activity and the balances owed vary across the bureaus, further proving negligence in ensuring accuracy.

Failure to investigate : Per 15 U.S. Code 1681i, you are legally required to verify and correct disputed information, which has not been done.

Legal Violations By failing to correct these inaccuracies, you are in direct violation of the following laws : FCRA ( 15 U.S. Code 1681i and 1681s-2 ) : It is illegal to report inaccurate information and fail to correct it after a dispute.

TILA ( 15 U.S. Code 1666b ) : Creditors are required to provide billing statements at least 21 days prior to the due date to ensure timely payments.

Protection Against Non-Payment of Obligations Act ( PAANL ) : Your failure to act is unfairly penalizing me and harming my creditworthiness. 
Demanded Resolution I am demanding the following actions immediately : Removal of the false XXXX late payment notations for XX/XX/XXXX ( Equifax ) and XX/XX/XXXX ( XXXX and XXXX ). 
Written confirmation that these corrections have been made and accurately reflected in my credit report.

This is your final notice : if this matter is not resolved to my satisfaction within 15 business days, I will take the following actions : File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ).

Pursue legal action for violations of my federally protected rights.

Publicly document my experience on consumer advocacy platforms and social media to highlight your failure to comply with federal laws.

Treat this letter as your last opportunity to resolve this matter amicably and avoid further escalation.

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

Navy Federal Credit Union took money from my account on several occasions most recently XX/XX/year> in the amount of {$130.00}. I called into Navy Federal Credit Union customer service and I was told that the credit union does what they described as batch funding when they believe that transactions will not be covered so the credit union takes the money from the savings account and moves in to the checking in which she called batch funding. When I explained that I myself transferred money into the account for each transaction she stated that system did not recognize these transactions so the credit union moved the money anyway when I asked why did Navy Federal Credit Union did not put the money back when they realized the account would not overdraft she stated they can not redeposit the money. This is fraud and more than likely have went unnoticed. I would like the Consumer Financial Protection Bureau to investigate this bank and their banking policies as I do believe they are violating numerous banking laws.
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX XXXX XX/XX/2XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( XXXX ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( XXXX ). Per 15 USC 1681 ( XXXX ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore XXXXm requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.