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

On XX/XX/XXXX I attemped to withdrawl {$500.00} with a XXXX XXXX bank card, from a Huntington Bank ATM located at XXXXXXXX XXXX  XXXX XXXX XXXX, Ohio XXXX. The machine made the sound of despensing the cash but when the cash slot opened there was no cash. I thought maybe I hit a " LIMIT '' on the machine or even my account. 
I reinserted the XXXX XXXX bank card and made a second attempt to withdrawl of {$400.00} cash but this time I was successful. 

I thought I had just hit a limit and thought nothing more about this issue. I have accounts at both Huntington Bank and XXXX XXXX XXXX. 

The following day I got a banking summary from XXXX XXXX and to my suprise the was a debit for both {$500.00} and {$400.00} on XX/XX/XXXX I called XXXX XXXX and file a compliant thinging everthing would be corrected. Well 4 months later I am still battling the banking system. 
I have made several trips to Huntington Bank and talk with a XXXX and and XXXX XXXX who wanted to help but nothing was ever resolved. Several calls were made to XXXX XXXX with no results. 

I have even brought in my finacial advisor which is the connection to XXXX XXXX. 
DOCUMENTATION REFERENCE INDEX XXXX ... ..document showing XXXX ATM transaction on XX/XX/XXXX XXXX ... .case no. XXXX XXXX XXXX of above XXXX... ..another contact document XXXX ... ..another attempt to resolve issue-new case no. 
XXXX ... ..provision credit XXXX ... ..reversal of credit
Product: Credit card

I was in a car accident in XXXX which has caused me some hardship. Last month somehow my payment, which is normally automatic did not occur, I was charged over {$200.00} in fee 's. This month the same thing happened. I have asked for some help with the fee 's as they are excessive with being over {$210.00} this month. I can not afford that but they won't help. I am not sure what to do. i am afraid i am going to have to file bankruptcy which will just not get them paid at all and is not what I want. I appreciate your help.
Product: Money transfer, virtual currency, or money service

I sent a wire Transfer from my XXXX account to my Wells Fargo account. Wells Fargo claims they have not recieved the wire transfer. Opened up an investigation at XXXX and they confirmed through the Fed Reserve that the money is intact at Wells Fargo. Also Wells Fargo sent a message to XXXX saying they received the wire but they are refusing to release the funds.
Product: Debt collection

XXXX XXXX XXXX. XXXX calls me almost every day and have been calling me for over 3 months. They call from a different number each time. I told them from the first call, not to call me agai, that I am XXXX, unemployed, my husband has XXXX, we lost our home and everything we had and can not pay a credit card but they refuse to stop harassing me. They are rude, hateful and tell me they wo n't stop calling me. This is my cell phone number they call.
Product: Debt collection

I am writing as a debt validation process. 

In my report there appears an alleged debt that I have with XXXX XXXX XXXX XXXX. I do not recognize that debt and I need documentation to validate it. The documents I require are the following. 

Contract that you have with the original lender of that money. In which all information related to the debt must be shown, including the amount paid for the debt. 
Contract that I have with you indicating that I have that debt with you. 
The supposed information that you have is mine, with all the signatures. 
Account statements with my full name. 


They are showing late payments on collection, but they do not give me information, they do not validate the debt. 
The account number that appears on my credit report is XXXX XXXX XXXX XXXX Appears with a person named XXXX XXXX The information shown on my credit report must be accurate, something that XXXX XXXX XXXX is not doing.
Product: Credit card

Complainant : XXXX XXXX XXXX Secured Party Creditor : XXXX Filing Number : XXXX Respondent : American Express XXXX Nature of Complaint : I, XXXX XXXX XXXX , am the Secured Party Creditor of XXXX XXXX XXXX XXXX secured under XXXX Filing Number : XXXX. This filing establishes my superior claim and legal authority over any debts or obligations tied to that name. 
American Express continues to report inaccurate information to the Credit Reporting Agencies ( CRAs ), specifically a charged-off account, despite the fact that I, as the original and superior creditor, did not authorize the transfer, sale, or assignment of any such debt.

This conduct is a violation of UCC Article 9, as I have the ultimate control over any public debts associated with XXXX XXXX XXXX. Furthermore, any continued reporting of this debt without my consent is a direct infringement of my legal rights under the Uniform Commercial Code.

Relief Sought : I hereby demand that American Express immediately delete all negative reporting related to this account from all Credit Reporting Agencies. Failure to do so will result in further legal actions to enforce my rights under UCC law and pursue any applicable remedies for this violation. 
________________________________________ Respectfully, XXXX XXXX XXXX Secured Party Creditor XXXX Filing Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX
Product: Debt collection

THE ACCOUNT WAS CHARGED OFF I PAID THE ACCOUNT BACK IN XXXX TO XXXX THE COLLECTION COMPANY. IT HAS BEEN ALMOST 4 MONTHS AND THE INFORMATION HASNT BEEN UPDATED TO PAID ON MY CREDIT REPORT. I HAVE SENT IN SEVERAL DISPUTES AND EVEN CONTACTED THE COMPANY NOTHING WAS UPDATED. i AM IN THE PROCESS OF BUYING A HOME AND CLEARING UP NEGATIVE INFORMATION.
Product: Debt collection

I have reached out to this company numerous time concerning this debt. This company intentionally, recklessly, neglectfully, and without due regard put this debt on my credit file without verifying that this debt belong to me. I have sent out numerous of certified letters with return signature required asking this company to verify this debt and this company refused to. This company intentions are to collect on a debt that they do not know who the debt belongs to. This company is in the business to make money and their intention is to make money by any means necessary and that even if they have to break the law to do so. This company bought a screen shot image of a debt from a company that did not provide them the actual contract with the person who owe the debt actual signature and legal document that provides who the debt belongs to. This debt is not mines and I have provide to the company that the debt does not belongs to them and they do not care because, as I stated before. They are only in the business to make money and someone have to provide that to them. The intentionally, recklessly, and neglectfully put this debt on my credit file without doing things the federal way through the outline and law that the Fair Credit Reporting Act has provided and they have violated numerous of laws within the Fair Debt Collection Practices Act. This company has harass me, made false claims to take legal act again me and to be representing as a legal and law firm. This company has stated that they are going to sue me in court, and changed their number up to make it seem like a different company. This company has use threaten words against me and the list goes on. I have sent out so many letters to company asking for them to do the right thing and they this collection off my credit file and place it on the person who owe the debt. I am in fear for my life with this company with the threaten manner they have stated to me and the tone that this company have my phone number and part of my name but other wrongfully information that they can try to cause me harm, This is why I am reaching out because this company need to be held accountable for the trauma they a have caused me mentally and physically.
Product: Credit card or prepaid card

I have a bank Credit card with USbank and have had it for awhile now. Every month I pay on the card for previous months purchases. I have been calling them and finding out that as soon as I pay my card they are allowing purchases to go through on my card. Purchases I dont authorize. I only have 3 things that I want to use this card for. But I cant because I find out every month that its being used elsewhere. I am continuing to try to get them to stop the charges that I dont authorize. But they continue to allow them monthly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof.

I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 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. 

The following items need to be removed and blocked as they are fraudulent. 

1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Bank account or service

I was XXXX a new CapitolOne Debit XXXX. It came right thru my mail slot. I called CapitolOne, spent hours being routed to various departments and on hold, trying to get them to turn off the card. They were less than helpful. They would not tell me how the card came to be. My XXXX credit reports are locked, as is my checking profile, so no new cards should ever be issued on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reach out to Equifax and XXXX, on several occasions about XXXX XXXX reporting on my credit and they not authorized to do so, university of XXXX is the original debtor, i received a call from the Vice President XXXX XXXX, of the original debt on XX/XX/2018 he told me he had great news that he advised XXXX to not report on my credit any more and to send my file back to the college and DO NOT CONTACT Me, are update my credit again, and Equifax and XXXX was sent proof from the original debtor that they approved my appeal to remove this Tradelines from my creditor and instead they violating the M2 compliance law with out proof that this debt is valid to continue on reporting it on my file damaging my credit causing stress to me for no reason..
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint to file a complaint regarding fraudulent items on my credit report. I have recently discovered several items on my credit report that I did not authorize or participate in. These items are damaging my credit score and causing significant financial harm. Specifically, the fraudulent items on my credit report include several credit accounts that I did not open, as well as several charges and loans that I did not initiate or receive. The total amount of these fraudulent items is significant and has had a negative impact on my credit score. The following items should have been removed from my Credit File : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, NV, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, NV, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV, XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$8000.00XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$210.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$500.00} XXXX XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX Balance XXXX {$1900.00} XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX Balance : {$500.00} XXXX XXXX XXXX Balance XXXX {$410.00} U S DEPT OF EDXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$190.00} XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX. I have taken steps to dispute these fraudulent items with the credit reporting agencies and the creditors in question, but have not received a satisfactory resolution. Despite providing documentation and evidence of the fraudulent activity, these items remain on my credit report and continue to damage my credit score. I believe that the fraudulent items on my credit report are the result of identity theft, and I am deeply concerned about the potential impact on my financial well-being. I am requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that these fraudulent items are removed from my credit report and that my credit score is restored to its previous level.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Fair Credit Reporting act consumer rights have been violated. The accounts listed below have violated my federal given consumer rights to privacy amongst other things. 
XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXXXXXX XXXX  XXXX 15 USC 1681a ( 2 ) ( a ) ( i ) states the consumer reporting agencies can furnish a reporting under the following instructions : in accordance with the written instructions of the consumer to whom it relates. I never gave them written instructions to report the accounts listed above to my consumer report.

15 USC 1681 section 602 A ( 4 ) states I have the right to privacy.

15 USC 1681s-2 ( A ) states that A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

I've complained several times and get auto verified by there systems every time
Product: Credit reporting

On XXXX XXXX, 2016, I filed a dispute form with Equifax regarding disputed XXXX account. Equifax responded on XXXX XXXX, 2016 stating XXXX was not reporting on their file. I enclosed a copy of the report page ( XXXX ) showing XXXX 's negative file being reported via letter dated XXXX XXXX, 2016, and again disputed the account as improperly being reported and that it was paid. Equifax failed to respond and again on XXXX XXXX, 2016 I filed another request form disputing 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 ( 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.
Product: Payday loan, title loan, or personal loan

I have contacted your company to cancel a contract for item I never received. Your agent told me that I would still need to pay you XXXX off money that your seller never returned. I contacted the seller and they started you contact you to cancel. Contacted your company and you tell me to contact the seller. I am getting the run again with both companies. This need to be cancelled immediately!
Product: Payday loan, title loan, personal loan, or advance loan

I applied for a loan under Ascend Loans on XX/XX/XXXX, I was going to make a payment for my full balance as of XX/XX/24 and my next bill is not due until XX/XX/24. At the bottom of their webpage it states " You make make a payment for your loan at anytime without penalty. '' I tried to pay my full balance a day early ( XXXX ), but they stated that they put my account on automatic payment and that because a payment is pending I may not make a full payment for this amount, so now they are saying that I will have to make the full balance payment after this payment goes through, however, if this payment goes through and I pay after I will then be overpaying and penalized from the interest. I tried to reach out to customer service and they would not allow me to cancel this pending payment to make the full balance payment instead, and they would not allow me to do so and stated that I must reach out 3 business days before my payment is due to make the payment, however, if this is the case, it should not state at the bottom of their webpage that I may make a payment for my loan at any time without penalty, as this is now causing more interest fees rather then me just paying the full amount and that is a penalty for that condition.
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 XXXX XXXX has violated my rights since XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 2 : It also states a consumer reporting agency can not furnish an 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 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX account XXXX is inaccurately reporting on my credit report. XXXX and Equifax keep saying they have verified the information but I have evidence from XXXX saying otherwise. This inaccurate account needs to be removed immediately from my credit report or I will be seeking legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off the remaining balance on four Federal Stafford student loan accounts XX/XX/XXXX ( due the XXXX of every month ) during the covid pandemic. By the second week of XX/XX/XXXX, my FICO credit score dropped 133 points from XXXX to XXXX because XXXX reported my 4 student loan tradelines as 60 days Past Due Date/Maximum Delinquency of 60 days as of XX/XX/XXXX, however, the negative information in the summary details contradicts the information provided by the XXXX Tradeline Payment History chart where all sections or months are recorded as OK or CURRENT. My loan was under a federal IDR plan, and if I were late, I was eligible for relief under the COVID 19 Rescue Plan. 
XXXX XXXX XXXXXXXX I also possess the loan payment details from the loan servicer 's online site indicating I was 0 days delinquent on all 4 of my student loan accounts. Currently, I am unable to secure credit, a lower interest rate, additional lines of credit, a mortgage, or an auto loan. On XX/XX/XXXX, I was denied a loan from XXXX XXXX with whom I previously had a line of credit that I paid off in XXXX of XXXX. The negative information according to XXXX will not be removed or dropped from my credit file until XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX  account # XXXX, has violated my rights! 

15 USC 1681 section 602 states : I have the right to privacy.

15 USC 1681 section 604 a, section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666b : States A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Payday loan, title loan, or personal loan

I updated my bank account to XXXX XXXX XXXXXXXX but they sent it to wrong account to a previous account I had and I called and asked them to stop and they said nothing cant be done but they say nothing cant be done.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reported that there are fraudulent accounts in my report. It was already more than 30 days since I sent out the letters but until now I did not receive any response or results from them.