23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I have been watching the current balance of my Wells Fargo checking account very carefully over the past few days in order to not incur an overdraft fee, and I have been transferring funds from my savings account to maintain a positive balance. I have taken a snapshot of my checking account balance page as displayed at the XXXX website, and the account never goes negative. I called to complain, and they offered to restore XXXX of the {$35.00} dollar charge, which makes no sense whatsoever, because they should n't have charged me the fee to begin with. 

They are claiming that the XXXX charge that shows as a pending transaction on the attached screenshot on XXXX/XXXX/2015 was actually deducted on XXXX/XXXX/2015, resulting in a negative balance. If a charge is shown at their website as currently pending, I do n't understand how it can possibly be deducted from my account XXXX days prior. You will note that I deposited {$11.00} on the XXXX, having seen the pending XXXX 's charge at the website prior to it 's being deducted from the account balance. I have also transferred an additional {$7.00} to further avoid receiving an overdraft fee for the pending BIGFISHGAMES charge. The available balance of - {$34.00}, as shown at the bottom of the " Activity Summary '' section is entirely due to their overdraft fee of {$35.00}, otherwise the account would still show a small positive balance of XXXX cents. 'Wells Fargo has pulled this kind of ridiculous nonsense on me in the past, and I notified your agency last year when they attempted this same thing. After being contacted by you at that time, they relented on XXXX {$35.00} overdraft charges, but worded it in such a way as to make it appear that your agency 's involvement in the matter had nothing to do with their decision to restore my funds, and that they were just being big-hearted, customer-friendly, respectable business people in making that decision. 

If it was n't so difficult to change banks, I would drop WF in a heartbeat, but I 'm not altogether convinced that the situation would improve by taking my business elsewhere.
Product: Credit reporting or other personal consumer reports

ACCORDING TO XXXX XXXX XXXX - XXXX XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX  XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/year> XXXX XXXX XX/XX/year> EXP XXXX  XX/XX/year> TU 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of 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

This complaint to TransUnion result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed or corrected from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX XXXX  XXXX Balance {$15000.00} XXXX  XXXX Balance {$2600.00} XXXX XXXX XXXX Balance {$2400.00}
Product: Student loan

XXXX/Navient, continually misapplied extra payments I submitted. They went to the wrong loans, usually the lower interest only ones and the subsidized, instead of the higher interest loans and un-subsidized ones which were more costly to me. This required multiple calls to fix and hours of time.
Product: Credit card

My ex-husband and I held a joint credit card account. When I applied for a loan recently, it was brought to my attention that this particular account was overextended and in default. My ex-husband was responsible for closing this account and opening a new XXXX after our divorce, thus removing me from it entirely. Since he has not, the status of the credit card is adversely affecting my ability to purchase a car or a home, which I plan to do at the end of the year. I paid the account off in full in XXXX before our divorce was final in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C1681 section 602 A. States I have the rights to privacy. 

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

On XX/XX/2020 I got summoned by XXXX XXXX circuit court to pay a debt for midland credit management inc. I didnt not have the funds for this debt and have been only only receiving unemployment benefits per my Job closing temporarily due to covid. I felt pressured to pay given I was also pregnant at the time and didnt want to lose my only income to be able to provide for my son and soon to come daughter. The total amount they were suing me for was {$5200.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, am a federally protected consumer and I am filing this complaint against XXXX XXXX XXXX. XXXX XXXX XXXX  is in direct violation in regards to the information that is being furnished on my consumer report. I would like to state that XXXX XXXX XXXX is in violation of 15 USC 1681b ( a ) ( 2 ), which clearly states that information furnished must be in accordance with the written instructions of the consumer. I, the consumer, never gave XXXX XXXX XXXX  any written consent to report anything on my consumer report. NO CONSENT = IDENTITY THEFT. The following inquiry is being fraudulently furnished. I did not authorize, benefit from, nor consent to this inquiry and I demand it be removed from my consumer report immediately : XX/XX/2021 ( XX/XX/2021 ). If this inquiry is not removed, I will hold XXXX XXXX XXXX criminally liable for willful noncompliance and aggravated identity theft pursuant 15 USC 1681a ( q ) ( 3 ) since fraud is being committed using my identifying information. This negative item on my consumer report is preventing me from having a fair and equitable consumer report according to 15 USC 1681b. If XXXX XXXX can not provide to me a copy of when I sent a written permissible purpose to validate this inquiry, I demand for it to be deleted in 4 days. Enclosed is the FTC Identity Theft Report which states the above mentioned inquiry that is being fraudulently furnished.
Product: Debt collection

This complaint is for Collection Bureau of America. They are being negligent and unfair. 
I tried to fix this issue witht them in the past, but I have not been heared. I really hope to get a fair solution to this issue, because is overwhelming. Account information : Collection Bureau of America Account # XXXX/Date Opened on report : XX/XX/XXXX, XXXX/Balance $ XXXX/Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX. 

Back on XXXX, I sent to Collection Bureau of America a rquest for debt validation. As of today, they have failed to investigate the item, and also to mark the account as disputed. These are two serious violations under the California Credit Reporting Act.  Also, they are reporting a wrong opening date. 

I am demanding a deletion letter for my records, and this item to be removed from my credit reports. 

Please send the attached documents to Collectin Bureau of America. 

Thank you.
Product: Checking or savings account

On XXXX XXXX, 2017 I opened the afore referenced account at the Wells Fargo & Company XXXX XXXX XXXX XXXX Branch in XXXX XXXX, California. I was issued an ATM card. Documents were then sent in the mail to activate the ATM Card and provide contact information for use by Wells Fargo & Company. I am enclosing with this letter copies of two screens for my account which I had to complete for the ATM card to be activated. One screen makes reference to Consumer Platinum Debit CardXXXX. That is not the ATM card that was issued to me. The Contact Information screen contained phone number ( XXXX ) XXXX-XXXX. That is not my phone number and I do not know whose it is. I dialed the number and it was answered by a woman who seemed to speak only XXXX. Something is definitely wrong with my Wells Fargo & Company account. Has my personal information been compromised? I am sufficiently alarmed by this situation to ask that you investigate what happened to this bank account once it was opened at your XXXX XXXX XXXX branch in XXXX XXXX. I believe this matter is serious enough that I will be reporting it to the Federal Reserve Bank of XXXX XXXX, the Office of the Comptroller of the Currency and the Consumer Financial Protection Bureau.
Product: Checking or savings account

XXXX at XXXX I made a cash deposit in the amount of {$1100.00} at a CitiBank Branch atm at XXXX XXXX XXXX XXXX XXXX, CA XXXX. The atm said due to a technical error we can not accept nor return your cash deposit. And it printed a record stating Im sorry. Because of technical problems, I cant return your cash right now. I immediately called the customer service number provided XXXX the message said that the mobile bank system experienced and outage and would take an hour to restore however that didnt apply to the transaction I was making, and the customer agent said try to make a second deposit. I made a {$20.00} deposit and it cleared just fine at XXXX. No one could help me with this technical error matter because on their end it didnt show the deposit. Which was the point I was trying to make to them if it didnt accept nor return my deposit of course its not going to reflect on their end. I contacted the XXXX police dept to make a police report and they said they dont make police reports regarding situations like these.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. As required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Every ( Bureau ) shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Bureau is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 
XXXX XXXX XXXX ******* XXXX Date Opened : XX/XX/19 Balance : {$1800.00}
Product: Debt collection

on XX/XX/2022 I was contacted by a company that bought a old debt of mine that already was off of my credit report they took that debt and added back to my report causing it to become reopened and hurting my credit score.
Product: Debt collection

Franklin Collection is reporting on my XXXX, XXXX  , & XXXX   credit reports that I owe them {$1700.00} for a collection. I've never done business with this company, nor have I ever signed a contract with them. I've contacted them & asked that they produce documentation & was told that they don't have any documentation. This company is hurting & ruining my credit worthiness with their deceptive practices. Are the even licensed to collect on a so called debt?
Product: Student loan

Original complaint number : XXXX On XX/XX/2015, I contacted the number that was played on the radio regarding paying back Federal student loans that were income driven. I called the number and got set up. I was connected with an XXXX how gave me his direct number ( XXXX ) for further questions after I completed the documents. I paid the {$590.00} as suggested and a monthly service fee of {$39.00} for the duration until the amount was paid off. When I originally filed my complaint, I did not send those documents, because I could not find them. I was under the impression during the phone call that all monies would be going toward my loan and that large amount was to get it started. Later, I found it was a fee to pay to the 1File.org for setting me up to have my loans paid with lower payments. I also found that it was not legal to do so. 

Therefore, I am submitting the documents, once again, for your review.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In a accordance with the fair credit reporting act XXXX account # below has violated my rights 15 U.S.A 1681 section 602 A states I have the right privacy.

15 U.S.A 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692 section 805 A section 3 states as the consumers place of employment if the dept collection knows or has reason to know that the consumers employer prohibited the consumer from receiving such communication 15 U.S.C 1692 section 805 A states dept collector may not communicate with a consumer in connection with the collection in any dept at any unusual time or place known to be inconvenient to the consumer 15 U.S.C 1692 section 806 section 5 causing a telephone to ring or engage any person in telephone conversation repeatedly or continually with intent to annoy, abuse or harass any person at the called number 15 U.S.C 166b A creditor may not treat a payment on a credit card account under and open end consumer credit line as late for any reason XXXX XXXX XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX
Product: Mortgage

On XX/XX/year>, I walked into a Vystar branch with my daughter, a state employee to bring my mortgage current. I just had XXXX XXXX the day before, but was warned it must be current XX/XX/XXXX or foreclosure would start. The state employee was with us, because she had a check, I had several checks. Branch officer called the mortgage department got XXXX on the phone and he talked to all of us in an unprofessional way. The state employee also Vystar customer called and got a VP and explain how we were treated. Someone called, made some adjustments and apologized. Today XX/XX/XXXX, I called to make the mortgage payment for XXXX. XXXX answered 5 times and disconnected. I called another 2 times it went to voicemail. Called from my daughter phone, voicemail. I had a friend call on XXXX way, XXXX answered on first ring. Explained I was calling to make XXXX payment, he quoted an incorrect amount. I told him Id be paying {$2000.00}. He asked is it a Debit card? I said yes. He only asked for card # & expiration date. Previous associates asked for cvv code too. Placed me on hold upwards of XXXX minutes. Then said your payment went through. I know there will be an issue with my payment, because this individual has an issue with me. I have witness and phone records. I look forward to having this matter resolved, soon. I feel like Im being bullied by an associate at this credit union.
Product: Debt collection

Upon carefully reviewing my recent credit report, I identified several fraudulent accounts that appear to have been added without my authorization.
Product: Credit reporting or other personal consumer reports

Please ensure the unauthorized accounts are blocked and removed from my credit report at the earliest opportunity. I did not initiate these accounts and have no knowledge of their origin. Under USC 1681g, I formally request their removal within XXXX days. Relevant supporting documents are attached for your review.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have new and updated information regarding complaint number XXXX. I repeatedly requested the following documentation : a comprehensive audit trail to include all documentary evidence to validate the authorization of this transaction, debt validation, the Generally Accepted Accounting Principles ( GAAP ), proof of accounting ledger from when the account was created up to its current state, the signed authorization that gave them permission to access and release my personal private information, signed in wet ink consumer credit application, proof of name and address of the original creditor that created this transaction, and name and location information of all parties that benefitted from this transaction, but FORD CREDIT have failed to send the requested documents. They are violating my consumer right to assess and validate this transaction.
Product: Debt collection

Subject : Refusal to Pay and Cease and Desist Notice Dear XXXX, This letter is in response to your attempts to collect an alleged debt in the amount of [ {$760.00} ] associated with account ]. After careful review, I hereby dispute the validity of this debt and refuse to pay it.

Reasons for Refusal The debt does not belong to me.

The statute of limitations for collecting this debt has expired.

The amount claimed is incorrect.

The debt has already been paid.

Did you purchase this account.

Cease and Desist Demand Under the Fair Debt Collection Practices Act ( FDCPA ), I request that you immediately cease all communication with me regarding this matter. This includes phone calls, emails, letters, or any other forms of contact.

Failure to comply with this request may result in me filing a formal complaint with the Federal Trade Commission ( FTC ) and the [ insert your states Attorney Generals Office ]. I also reserve the right to pursue legal action if your harassment continues. 

No Admission of Liability This letter is not an acknowledgment of liability for the debt in question. Any further attempts to collect this disputed debt will be considered a violation of my rights under applicable laws. 

Next Steps If you believe this debt is valid, please provide written verification of the debt, including all supporting documentation, within [ insert reasonable timeframe, e.g., 30 days ] as required by law. 

Reservation of Rights I reserve all rights under the law and do not waive any defenses or claims I may have by sending this letter. 

Sincerely, XXXX XXXX
Product: Credit card

My girlfriend applied for a capital one platinum card and once approved she thought she could list me as an authorized user however XXXX XXXX XXXX XXXX XXXX at the time and wasn't even aware that she had done that. We both called the company to have my name removed and they keep giving us a excuse to not do it. The account is closed and has been but it's showing on my credit report and it's showing negative marks for late payments etc. It has been almost XXXX years we have been trying to remove it. I have talked to different places that tell me that I need to get it removed from my credit report but every time we called Capital One they don't follow through.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope this note finds you well. I'm reaching out because I've noticed something weird with my credit report. For my account : Account Name : XXXX  Account Number : XXXX It's showing that I've have multiple charge-offs and late payment. But here 's the thing, I've never been late on my payments for this account. 

Something else that's weird is that this account info is only showing up on XXXX credit bureau report. Doesn't that seem a bit off? I mean, if it was accurate, wouldn't it be on all the bureaus ' reports? 

XXXX XXXX Agencies are pretty important, right? I mean, you guys need to be on the ball with accuracy. This is why I'm reaching out to you directly - to clear this up. 

I'd be really grateful if you could check into this for me. Could you send me copies of the statements where it shows these late payments? If it turns out there's no proof of my payments being late, then it's only fair that these be updated to show that I've paid on time - because I did. 

I know mistakes can happen, but this mix-up with my payment history on this account isn't accurate. So, could you please help me out here and sort this out ASAP? 

Thanks a bunch for looking into this. I'm looking forward to getting my credit report fixed up right.
Product: Money transfer, virtual currency, or money service

I am Filling a complaint against cashapp ( Block , Inc, ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ), Specifically, cashapp 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 didnt comply with error resolution requirements under the electronic fund transfer act ( EFTA XXXX and regulation E, these actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX