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

On XX/XX/2018 we deposited a substantial check from a County Department, in person, to an employee at a US Bank during business hours. Because we were 11 minutes past their cut-off time the check was marked as deposited in our checking account on XX/XX/18 at XXXX. We called US Bank on XX/XX/XXXX and XXXX and both times were told we could not access our money. On XX/XX/XXXX we also checked with a County Finance Officer and were told the funds had been withdrawn from their account in XXXX XXXX. We also received a letter from US Bank dated XX/XX/18 that stated a hold had been placed our deposit because " we had information that leads us to believe that the check may not be paid ''. The cash was finally made available to us on XX/XX/XXXX. We had no prior knowledge of the bank 's cut-off time or that the amount of the check would require a longer check hold. We understood that a government check should be processed in a day. We've had an account with US Bank for over 30 years and never had a problem so we were very disappointed with this transaction.
Product: Credit reporting or other personal consumer reports

Speaking with XXXX XXXXSupervisor of Credit Fraud Department at XXXX whom promise accounts would be updated and removed from credit report. She admitted information was wrong and still stated the issue would taken care of. Reporting wrong information and not the full faith and credit is discrimation to me under 15 USC 1602.

The CFPBs actions to secure a {$24.00} XXXX payout for illegal debt collection practices demonstrate its robust role in enforcing consumer protection laws. Through rigorous investigation, legal action, and settlements, the CFPB seeks to remedy violations, deter future misconduct, and ensure that consumers are treated fairly and lawfully.
Product: Checking or savings account

On XX/XX/2019, Wells Fargo ( WF ) did not execute a scheduled draft of {$3500.00} from my XXXX XXXX XXXX account into my WF checking account. This is a monthly draft scheduled for the XXXX of every month. Because WF did not execute the draft, my WF checking account was insufficient to pay my WF mortgage, which is set to draft from my WF checking account approximately 10 days after the transfer of funds from XXXX XXXX XXXX. 

I have spoken to your client representatives about this matter, and was informed that WF does not know why the transfer was not executed. Per Wells Fargo, the issue must be that XXXX XXXX XXXX rejected the transfer. However, I have spoken with XXXX XXXX XXXX several times, and they have no record of WF ever initiating a transfer on the date in question ( XX/XX/XXXX. ) WF also can not provide the supposed error code for the failed transaction. 

Please note : This is the second time I have had issues with WF executing a scheduled monthly draft, and in both instances, the missed draft occurred in XX/XX/XXXX. Last year, WF failed to initiate a draft because a certain number of days had not passed since the last scheduled transfer. WF ultimately determined this was caused by an error in THEIR  coding logic that did not take into account the shortened month for XX/XX/XXXX. They assured me that this would be corrected going forward, but clearly it has not been. 

I am requesting a full investigation of this REPEAT issue as well as a refund of the fees that were improperly assessed ( {$130.00} late fee and {$35.00} NSF fee. )
Product: Credit card or prepaid card

Yesterday Saturday XX/XX/XXXX pls card they saying I withdraw money and I didnt even do it I dont see the transactions on my account
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has been incorectly reporting my payment history, I have never been late to this company by any means. This company is not XXXX XXXX compliant which is causing me serious XXXX in my life. I would like for this company to bring my account to current status for each month they have reported me late.
Product: Money transfer, virtual currency, or money service

I received a debit card in the mail from CashApp in XX/XX/XXXX. I do not have a CashApp account, so I called their customer support line, spoke with them to close the account and was successful. I asked what information was required to open an account as the card was mailed to my home address, and was told very little information is needed. A few weeks later in XX/XX/XXXX, I received another CashApp debit card, which I also did not open. I called their support again to close the new account. In XX/XX/XXXX, I received in the mail XXXX XXXX forms from Block Inc. with CashApp 's support web address. XXXX XXXX indicated {$2300.00} with XXXX transactions from XXXX to XX/XX/XXXX. The second XXXX indicated {$4100.00} from XXXX transactions in XX/XX/XXXX. I contacted CashApp support on XX/XX/XXXX, reconfirmed that the XXXX debit accounts had been closed and asked for a corrected XXXX as I did not make any transactions through CashApp in XXXX. They could not assist with this. They stated they do not provide tax advice, which I was not asking for. I was asking for assistance to correct this accounting error and identity theft issue that resulted in these XXXX being sent and when attempting to escalate the issue, they sent me a link to create a ticket with their tax department and ended my support call. The ticket system requires an active CashApp account in order to create a ticket. Since these accounts were not created by me, I do not have the ability to create a ticket. Their support does not extend to those affected by identity theft.
Product: Debt collection

I disputed the account with LVNV FUNDING XXXX several times and every time I make a dispute they go in and decrease my credit score by 23 points. The original creditors is XXXX XXXX. I think this is retaliation and predatory tactics to try and make me pay a debt that I do not owe to this. I would like for this company to be completely removed from my credit report. This is hurting my credit tremendously. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX financial - we leased a car from them and at the end of the lease ( XX/XX/2020 ) we were told we owed {$900.00} for lease end fees. Per the direction we mad XXXX equal payment total {$900.00} last payment was XX/XX/2020. XXXX does not invoice for thi amount nor do they tell you when its paid per their policy. XXXX year later my credit takes a XXXX point drop because XXXX say we owed them another {$1200.00}. Once again, they never sent us an invoice or tried to contact us. We I reached out XXXX about this they had already turned my account over to collections. I disputed the amount saying we were never told about this, but they said it was something that they missed initially and we had to pay it. I told them that wasnt a problem, but because they never told us, they should remove the collection status from my credit report and I would pay them the amount due. Of course I paid the money, but they didnt remove the collection status from my report and they did show I had paid them the money. I disputed the item on my credit report and they now show it paid and closed, but the collection status is still on there and effecting my XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this Complaint in response to the recent investigation. I do not agree with your findings and I am requesting complete accuracy. I am not satisfied that enough was done to truly contact the creditors that are reporting this information on my report and because of this I am now asking you for more information regarding these particular items in question : XXXX  XXXX XXXX Balance Owed : {$610.00} - I would like to confirm the payment history and status of this account. I believe this account is reporting inaccurate information. I was never late on this account because I always make my payments on time. I keep my own payment records and the record you present do not match with what I have. I request a thorough investigation for this account and update for legal and lawful accuracy. Thank you. 

XXXX XXXX XXXX Balance Owed : {$870.00} - I believe this account is reporting inaccurately. I do not believe I was late on the dates this account presents. I keep records of my payments and I always make my payments on time, I was never late. Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. I request an investigation and please update this account for lawful accuracy. 

XXXX XXXX XXXX XXXX Balance Owed : {$3400.00} - Evaluate this reporting by making a revision of the information provided. Charge off account should show a {$0.00} balance so why is it that there is a {$3400.00} balance indicating if it is a charge off account. Please stop this erroneous reporting ASAP. 

XXXX XXXX XXXX Reference # : XXXX - I would like you to review the docket number and type of public record because I have a feeling it is violating the Fair Credit Reporting Act. Please remove this public record for violating the Fair Credit Reporting Act.
Product: Credit card

On XX/XX/year> I called cash app customer service phone number XXXX and spoke to XXXX who I explained that I had closed my previous cashtag due to being so by cash app customer service when i was asked to upload documents to show my name change on account, i had uploaded the required documents to the link that was provided to me 4 times but everytime i called to follow up i was sent another link to upload same documents so i got frustrated and closed the cash tag but i had used it to purchase an office chair from XXXX. I opened a new cash app account using my name but when i received my office chair it was faulty so i returned it and was refunded but since i had used my closed cash app account, the payment was returned to original payment. I called XXXX and verified i had been refunded on the closed cash app account on XX/XX/year> for the amount of {$140.00}, XXXX rep XXXX informed me that if cash app cancelled or declined the payment then it would go back to XXXX and they would be able to manually pay me to the new payment method but when i called cash app i was asked to verify Full legal name, current cah tag, previous account cash tag, phone number and or email address linked to previous account, and which account i would like to use, i provided this info to XXXX on XX/XX/year> from XXXX to XXXX but she said she was getting an error in her system and escalated it to the supervisor XXXX for manager override, The manager XXXX responded to me via email and asked me to provide the same infor i had already provided XXXX and i responded to her email with the information, she then sent me an email that my request to either access my old cash app or transfer the money to my new cash app account was declined and the case according to her was closed and there fore she could not assist me further for the protection of my money. I asked her to cancel the transaction to which she also declined
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE A XXXX XXXX CREDIT STEPS PROGRAM CARD, IN THIS PROGRAM IF YOU MAKE YOUR CREDIT CARD PAYMENTS EARLY OR ON-TIME XXXX XXXX WILL ADVANCE YOU TO A XXXX CREDIT CARD A ND RAISE THE CREDIT LIMIT FROM {$300.00} TO {$500.00}. I COMPLETED THE PROGRAM SUCESSFULLY AND WAS GRANTED THE XXXX CARD W/ {$500.00} LIMIT. UNFORTUNALEY IN XX/XX/2018 WE HAD A DECLARED NATURAL DISASTER " MICHEAL '' THAT HIT SOUTH CAROLINA XX/XX/2018 I IMMEDIATLEY CONTACTED XXXX XXXX TO MAKE THEM AWARE AND I WAS TOLD THAT A NATURAL DISASTER CODE WAS PLACED ON MY ACCOUNT TO AVOID HURTING MY CREDIT RE : LATE PMNTS ON THIS ACCOUNT. XXXX XXXX STILL CONTINUED TO LEAVE THE LATE PMNT DELINQUENCY ON MY CREDIT FILE AFTER SPEAKING WITH ME ABOUT THIS SEVERAL TIMES. I WAS NEVER GIVEN ANY INFORMATION OR ADDRESS TO SUBMIT MY DOCUMENTATION TO REMOVE THE LATE PMNT FROM MY ACCOUNT " WHICH THEY DO HAVE AVAILIBLE '' XXXX XXXX  KEEPS GIVING ME THE RUN-AROUND IN RESOLVING THIS ISSUE AND IN RETURN THIS IS RUINING MY CREDIT SCORE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported the following accounts to the Credit Bureau of Equifax to be removed from my credit report. These accounts were fraudulently opened in my name and I submitted a a copy of a dispute letter, Approved XXXX Police department Identity Theft Report, a copy of my Drivers Licence and a copy of my Social Security Card. According to section 605B which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. This information has been added back onto my report, even though proof was submitted & also legal documentation was provided. These account need to be removed from my account immediately. No documentation was ever provided with my signature saying i approved of the opening of these accounts XXXX  XXXX  XXXX  XXXX/ Date Opened XX/XX/XXXX /Credit Limit {$150.00} XXXX  XXXX  XXXX , Date Opened XX/XX/XXXX High Credit {$19000.00}
Product: Credit card or prepaid card

I am disputing the accounts w ith AMERICAN EXPRESS   XXXX  AND  XXXX  I have reported the account with fraudulent activities I requested your company to review the account balance at  XXXX  &  XXXX  I never used that amount of my credit LIMIT someone got my credit card information and used my credit limit to the point where I had to close the account I should not be responsible for the charges from the months of  XXXX  2007  and  XXXX /2007. I have provide your company with the FTC AND POLICE REPORT ABOUT THE ACCOUNTS LISTED
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to Experian about fraudulent activity which i have reported to idenitytheft.gov as well.
Product: Credit reporting or other personal consumer reports

XX/XX/scrub>XXXX XXXX XXXX Subject : Request for Reinvestigation and Removal of Charge-Off Account - XXXX XXXX XXXX XXXX XXXX XXXX ) To Whom It May Concern, I am writing to dispute the accuracy of a charge-off listed on my credit report under the account XXXX XXXX XXXX ( # XXXX XXXX XXXX I have received a XXXX form for this account, indicating that the debt was canceled. According to the Internal Revenue Code ( IRC ) XXXX, a XXXX form is issued when a creditor cancels a debt of {$600.00} or more. This means the debt has been legally forgiven and should no longer be reported as a charge-off. 

Under the Fair Credit Reporting Act ( FCRA ) XXXX ( a ), I have the right to dispute any information on my credit report that I believe is inaccurate, incomplete, or unverifiable. As the debt has been canceled and a XXXX form has been issued, the reporting of this charge-off is both incorrect and misleading. 

I request that you conduct a reinvestigation of this matter under FCRA 611 ( a ) ( 1 ) ( A ) and remove the charge-off from my credit report. If the information can not be verified, it must be deleted from my credit file according to FCRA 611 ( a ) ( 5 ) ( A ).

Please provide me with written confirmation that this item has been corrected and removed. If you can not verify the accuracy of this information, it must be deleted from my credit report as required by law. 

Thank you for your prompt attention to this matter. I look forward to your response.
Product: Mortgage

On a letter received from Wells Fargo Home Mortgage, dated XXXX XXXX ' XXXX and signed by XXXX XXXX XXXX, Executive Resolution Specialist, he indicated the numbers that they used to consider a HAMP-Tier 2 Loan Modification. On it he did mention the amount of {$600.00} paid monthly as property taxes, which brings my home to income ratio to 45 %. This amount is wrong, the correct amount paid is $ XXXX/month ( {$5200.00} paid between the XXXX XXXX and XXXX XXXX installments ), which brings the ratio down to 43.43 %. 
Moreover if the can consider dropping the interest rates, on both loans XXXX and XXXX to more up-to-date levels ( the XXXX XXXX loan interest rate is at 5.25 % ), the ratio will be brought even farther down, to 35 % or even less. 
I 've also asked for a disclosure of all the Loan Modifications Plans they have used while trying to qualify us. 
This process with W.F.H.M. has been a struggle, to say the least, with a tremendous amount of paperwork coming through, but NO real help..!! 
I do wonder if this is not a case of discrimination..!!
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and I'm contacting you to convey my frustration over the lack of action taken after reporting my identity theft for the third time. Despite my repeated efforts, neither the credit bureau nor the involved companies have responded to my disputes. This situation leaves me feeling like my consumer rights are being disregarded. As the victim, I'm left without the necessary assistance or response from the entities overseeing credit reporting. If immediate action isn't taken, I'll be forced to take legal steps.
Product: Vehicle loan or lease

The XXXX Credit Bureau is reporting inaccurate information on ACIMA CREDIT XXXX XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Debt collection

XXXX child support. They threatened to have me arrested. They do not identify as a debt collector. They collect on debts that they do not own .... ie a debt collector. The person they collect for has to pay them an annual fee to maintenance the account. In none of the correspondence sent from the company has any mention of them being a debt collector. They violate all kinds of laws regarding debt collection. They stole my stimulus check. This company is a bad actor and needs to be shut down.
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 XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1200.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Debt collection

I discovered a Portfolio Recovery account " Placed for Collection '' only after pulling my credit report. Portfolio Recovery did not abide by the rules of the Fair Debt Collections Practices Act as I never received a notification by letter, email, or phone call from Portfolio Recovery, and was denied the right to validate or dispute this account. Furthermore, Portfolio Recovery, without my knowledge, furnished this collection account to the credit reporting agencies.
Product: Debt collection

I have tried several times to reach someone at this business. Today was the third time I've called and been hung up on. On XX/XX/2019, I was hung up on after a 7 minute wait. Today, XX/XX/2019, after a 12 minute hold, I was hung up on. On XX/XX/2019, I tried to call and get service. XXXX hung up on me at XXXX. She told me to call XXXX. I did. After a 30 minute wait, I was hung up on. On XX/XX/2019, after a 30 minute wait, XXXX hung up on me. Last week, I called and I got a name, XXXX XXXX, ext XXXX, so I could specifically ask for her. But when I ask, I get hung up on. I tried to call and confirm that they received my paperwork. This is absolutely ridiculous. It's like a second job trying to get this resolved with this company. 11 min again.
Product: Student loan

Took out a studen loan for my XXXX when he attended XXXX XXXX XXXX and finished in XXXX. As co-signer I have been paying off this loan and am now approx XXXX years in advance of payment date. Just last month I noticed that American Education Services XXXX AES ) raised my interest rate nearly XXXX percentage point without any notification. I find this to be illegal as XXXX and they are trying to maintain some form of percentage in the positive for the remainder of the loan. My account number at AES is XXXX and after numerous attempts XXXX emails, phone calls, etc. ) I have been unable to get them to explain why the rise in interest rates that started out at XXXX XXXX and is now at XXXX XXXX or so. I am also going to file a complaint with the XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted various disputes to the three bureaus XXXX, Equifax, and XXXX. My first letter was sent out XX/XX/XXXX and received by each bureau around XX/XX/XXXX and XX/XX/XXXX. The accounts being disputed are XXXX XXXX, XXXX XXXX, and XXXX for error and inaccuracy. 

XXXX XXXX : XXXX : Balance- {$3000.00} Closed- XX/XX/XXXX Equifax : Balance- {$3000.00} Closed- XX/XX/XXXX XXXX : Balance {$3000.00} Closed- XX/XX/XXXX XXXX : XXXX : Closed Account Equifax XXXX Closed Account XXXX : Open Account XXXX XXXX XXXX XXXX : XXXX XX/XX/XXXX Equifax : Closed- XX/XX/XXXX XXXX : XXXX XX/XX/XXXX Due to 15 US Code 1681i 5 ( A ) ( i ), after reinvestigation of any disputed information from a consumer found inaccurate or can not be verified shall promptly be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX
Product: Debt collection

Franklin Collection Company out of XXXX, MS , has been given a medical account that I do not deny I owe. I 've made several {$100.00} payments on this account to the original debtor. Admittedly, I fell on extremely hard times lately and have not made the {$100.00} payments in several months. The balance is now XXXX. Franklin Collection Company demanded XXXX down and a monthly payment of XXXX. I explained that I can not pay that amount. They then suggested that I pay XXXX installments of XXXX and the XXXX and said this was the best they could do. Otherwise, they would have to forward the account to legal for wage garnishment, etc. I reluctantly agreed to the XXXX down, even though I can not afford that. They sent an e-mail contract for me to sign that still reflected the XXXX down. When I replied to the e-mail that this did not reflect the terms agreed upon by phone, the reply was that the mailbox could not be accessed. So, how was I to send the signed agreement in the first place? From there, they have called my parents home, my job and my cell phone - even though I expressly asked that both my parents number and my work number be removed. I am a single woman, paid once per month and paying out of pocket tuition expenses for completion of my XXXX degree among other expenses. I can not afford the down payment terms. I 've expressed that to no avail. I need some assistance in dealing with this persistent harassment from this company.
Product: Payday loan, title loan, personal loan, or advance loan

Leased furniture back in 2020 and was hit with a lot of interest after 60 days. They refused to take back the item as well