23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I encountered issues with my mortgage payments in XXXX and XX/XX/XXXX, yet the credit report displays late payments for XX/XX/XXXX and XX/XX/XXXX, which I believe is inaccurate. Despite receiving a screenshot from an employee confirming my late payments for XXXX and XX/XX/XXXX, the company insists on the accuracy of the reported dates. I've attempted internal credit disputes multiple times, but they've been consistently denied. I've provided the company with all three credit reports indicating the error in reporting. Although the company is open to refinancing my house and disregarding the incorrect months on my credit report, this discrepancy prevents me from refinancing with another lender.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX and block request was filed with Experian on XXXX. The victim determination documentation meets all requirements as required by law under 12 CFR 1022.142 which includes a self attestation letter accompanied by signature from a representative of state governmental entity along with the identified adverse information. The law states that Credit Reporting Agencies are to block all adverse information within ( 4 ) days of their receipt of the block request. Experian has failed to do so and is treating the block request as a regular dispute and making their determination by using methods outside the of the proper procedure and is not adhering to what it specifies under 12 CFR 1022.142. Experian is making its determination and basing its investigation on inaccurate information gathered from the data furnisher of the information, disregarding the actual consumers personal knowledge and self attestation statement. Experian is also allowing items to be furnished without the written permission of the consumer to whom the consumer report relates to. As required be law, Experian is to delete any information it does not lawfully have the permission to furnish within its agency or public system/database. It is XXXX many days past the 4 day period. Experian 's actions are unacceptable and inequitable. The consumer made aware to a woman named XXXX XXXX on XXXX an agent within the Experian Consumer Affair Office, of the discrepancy and still we so no blocked adverse information to date. This filing with the CFPB is to maintain record of this transaction as an exhibit, as it is our expressed intention to file suit against Experian in a court of competent jurisdiction for allowing these inequitable practices to continue without reasonable accountability. We give Experian its final opportunity to cure before proceeding and filing of federal claim. They have been properly noticed of the matter. See attachments :
Product: Debt collection

I was contacted by a woman named XXXX of " EAS ''. The phone number she called me from was out of XXXX XXXX XXXX Florida. The phone number she asked me to call back on was XXXX. XXXX told me that I had been reported to EAS by a company called Balance Credit - a payday loan company with whom I had received a loan in the past and currently have a payment plan set up to pay off my past due balance. As I was asking questions of XXXX about the reason for her call and what this matter was regarding, she cut me off and, as if she were reading a script, began to repeat how rude and dismissive I had been on the call and because of my dismissive attitude she would be reporting me for fraud and writing bad checks. I suppose my reluctance to provide her with my personal information without knowing who she was and why she was calling was interpreted as " dismissive. '' After berating me for a few minutes and not allowing me to get a word in edgewise, she ended the call by saying " this is fraud! good luck! '' and hung up on me. I tried calling the number back twice after that, and she continued to repeat how aggressive I had been and how she would be reporting me and that because this was a recorded line ( which she never stated up front ) that my rude attitude would be documented for the authorities. 

I am completely shaken. I've never experienced anything like this before - this company and this woman, XXXX, need to be stopped!
Product: Checking or savings account

I am writing to file a complaint against BB & T ( Truist ) This is not the first time I have had trouble with this bank. The first time I tried to pay a credit card account XXXX XXXX XXXXXXXX ) via electronic transfer and was give payment con- formation and assumed all was well ; so I was surprised when I saw a late charge on my statement and that was when I learned BB & T had cancelled payment saying it was a fraudulent transaction costing me an extra {$27.00} and a ding on my credit bureau, I have yet to receive a refund from the bank. 

Then in XXXX. I received funds from what I thought from a company I had been hired by in late XXXX a branch of XXXX XXXX XXXX, XXXX a XXXX plus year old engineering company. I had no reason to suspect from this firm, and I have every conversation recorded on Telegram with their XXXX manger XXXX XXXX as well as my employment contract. 

So once again, I was blindsided by the bank when in XXXX they abruptly froze my account saying I was accepting fraudulent funds. I had done business with this bank for 10 years with no problems, and because I was under the impression I hired by XXXX  and I was receiving funds for items I needed for work so I did not question where the funds came from. 

As a result, I have racked up late charges With XXXX XXXX and reports of late payments on my credit bureau, and as result of this XXXXXXXX XXXX has lowered my credit limit twice and reported such to credit bureau further destroying my credit rating. I had no other source of funds to pay my creditors. 

As I told customer service and the branch manager, a simple phone call to me ( which I feel I was due as a simple courtesy after 10 years ) and I would have nipped in the bud, and even after I contacted the bank customer service they refused to reverse their decision saying the manger of this department does not like to be overruled ; well as a customer I don't like being treated the way I have been and watch my credit being destroyed through no-fault of my own. 

I am requesting this bank be heavily fined, me be reimbursed for lost funds and destroyed credit, and the bank be made to help repair my credit bureau, my XXXX XXXX account and my XXXXXXXX XXXX account. The manager of XXXX operations for XXXX has stayed XXXXnTouch still saying their account was hacked. 

I will be glad to provide you any of the Telegram conversations and a copy of my employment contract. 



Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX XXXX XXXX, XXXX
Product: Checking or savings account

I was charged an overdraft fee on the date of XX/XX/21 however i was not notified of the overdraft that apparently happened at night on the date of XX/XX/21. I called the bank and told them about the situation and i even put in funds the day i got the notification to avoid overdraft and i was told i can only get half credit despite only having one overdraft refunded this year 6 months ago. I have been banking with wells fargo for almost 6 years now and i i find this customer service completely disgusting being a veteran as well. If i was notified promptly instead the day after the fact i would have deposited funds prior too.
Product: Bank account or service

My employer XXXX offers a 401k as part of benefits which is maintained by Wells Fargo. I get paid ( electronically, of course ) Friday of every week. Every week my 401k contributions are deducted and sent to Wells Fargo. For some reason, it takes until the following Thursday before my funds appear and post to my 401k account. Every dollar I contribute to my 401k is being held from my possession by Wells Fargo for 6 days. Are they using it to float short-term loans and keeping the profits for themselves? This practice is unacceptable and unethical.
Product: Checking or savings account

I opened an account in order to get an online loan, I got approved but then realized it was a scam and called the bank less then 12 hour of the transaction., No withdrawal had taken place yet and told the bank i though it was a scam and to cancel the transaction and to lock the account completely. They locked the acct and they returned payment as far as I know then I received a substitute check that said to use as if it were the orginal., I thought cool it must of been good so I went and redeposited it they gave me some more money I think {$55.00} and then I never received any information of it not going through or anything. I assumed it was in my acct until today when I seen on my Equifax report a new collections.. for {$100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing the said Bankruptcy Chapter XXXX with an inaccurate case number with Both Transunion & XXXX since XX/XX/XXXX. They have repeatedly changed how my disputes were worded, A Transunion Representative by the name of XXXX XXXX Whom I spoken with today XX/XX/XXXX @ XXXX stated Transunion get their verification for Bankruptcies directly from the courts. And I was told this before also by a XXXX Representative XXXX with employee Id # XXXX today XX/XX/XXXX, so I did my own research But when I have contacted the courts I was told by their Representative that they do not report to any third party companies, and she directed me to PACER to put in the both different case numbers thats being reported by XXXX & Transunion , and they BOTH came up an invalid case number was entered. Also on the credit reports it states they get their information from another Third party Company XXXX and says nothing about receiving information directly from the courts, Which is clear Proof of the inaccuracies being reported by Both Bureaus. I have consistently sent in proof with every dispute and each time they say its verified with no proof as to how they both did their first investigations, Or they mysteriously didnt receive the disputes I have sent By Certified mail each time. also When I initially started my disputes back in XX/XX/XXXX, when I noticed these huge differences of reporting between the two companies, and after each dispute, I have requested validation as to what Company they have done my investigation through, & how they came to the conclusion of an accurate reporting of that case numbers, but both Transunion & XXXX are NOT abiding by the FCRA laws and these companies really need to be investigated! And I am still Demanding under the FCRA that account to be Deleted immediately from both of them.
Product: Credit reporting or other personal consumer reports

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process.

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

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

In my previous complaint, I stated that Experian did not reinvestigate my dispute for XXXX XXXX XXXX account number XXXX. I dispute the 7 year statute. Instead they updated the account to show a recent {$90.00} payment and they changed the date to reflect a new date that the account will fall off. The new date shows a date that will fall off sooner than the original date. This date is also an incorrect date. They claim to have forwarded me a copy of this dispute, however, they did not. The original alleged data furnisher has not sent me anything either. This report is charged off/ collection and is showing an open status with a past due balance. They can not do this. I ask that this account be removed immediately or I will continue to file disputes and complaints until they comply. Experian does not reinvestigate properly and they do not furnish the requested information when asked what they use to determine the " validity '' of what the furnisher provides. This is why they continue to have have thousands of lawsuits against them. Most creditors do not even use Experian anymore because they are not accurate. I have not made any recent payments to this account, especially not a {$90.00} payment. I will not be making any payments towards this account.
Product: Credit card or prepaid card

I had a XXXX XXXX, XXXX, and XXXX XXXX XXXX. Where I didn't make enough money at the time to pay the cards by my payment deadline and was going through financial hardships and lack of financial education. All the cards went to collections, which I paid off the XXXX  XXXX and XXXX XXXX XXXX. I set up another payment plan for the XXXX  card which I am currently making payments on.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing in response to your notice about an alleged debt. ( XXXX XXXX & XXXX ). Before I can confirm or dispute this debt, I am formally requesting additional documentation under the Fair Debt Collection Practices Act. 
Please provide the following within 30 days : A copy of the original signed purchase agreement, contract, or other documents showing that I entered into this debt voluntarily and that you are the legal owner of this debt. 
A full accounting of the debt, including the original creditor, the amount owed, interest rate, fees, payment history, and the date you acquired this debt. 
Your license and credentials to collect debts in GEORGIA. 
Written notice of my rights to dispute the validity of this debt within 30 days under the FDCPA. 
I expect this requested information to be provided in full before I can respond further on this alleged debt. Please send physical copies of all documents to my address below. I look forward to your response within 30 days as required by law. 
Thank you for your cooperation.
Product: Mortgage

XX/XX/, we were notified they would be adding PMI ( private mortgage insurance ) despite the fact the prior lendor had already removed PMI due the property reaching the 80 % LTV ( loan to value ) being exceeded. They included in the escrow letter PMI notice how to remove the PMI. I followed their instructions and sent them written request to remove the PMI as soon as we were notified in XX/XX/. I foolishly did not get a delivery receipt for this letter or saved a copy as I made the foolish assumption that if we followed their process that this issue would be resolved in a timely manner. I then finally received a letter back from them with their form that needed to be completed for the request in XXXX. I completed their form and emailed it back to them. I then was contacted via email on XX/XX/XXXX that they needed the form sent to them, which had already been completed and sent to them. I resent the same form, ensuring no errors and full completion that same day. XX/XX/XXXX, they sent the same form via email requesting the form be completed. I then sent the form AGAIN on that same day. Finally yesterday XX/XX/XXXX, I received postal mail that I needed complete the form ( THE SAME EXACT FORM ) to complete my request to remove my PMI. I emailed them the completed form AGAIN, now this is the 5th time I have fully complied with their process and it has now been 8 months and they have not completed the request and continue to falsely inflate the cost of my loan to collect funds they are not owed that should have applied towards my principal balance. At this point it seems to be consciously malicious and purposeful to in order to falsely collect over inflated funds they are not owed.
Product: Debt collection

I have made payments to Capital Accounts in the amount of XXXX ( receipts attached ) for a dental bill that XXXX XXXX XXXX has turned over to Capital Accounts. The original bill is XXXX. The original letter from Capital Accounts stated I owed XXXX with interest charged to the XXXX. After paying the XXXX a balance of XXXX remaining. Today I called Capital Accounts to offer them XXXX to close the account. The representative refused and also stated my balance is over XXXX. I asked to speak with a supervisor or manager. The Representative stated that he was the supervisor and they do not settle accounts. Capital Accounts is charging an extreme amount in interest keeping me hostage to a debt already paid. 
Originally XXXX XXXX was never owed this money, because they did not complete the work leaving me to seek another dentist ( XXXX XXXX ) completed the work ( both original bills are attached )
Product: Credit reporting

There was a hard inquiry from XXXX XXXX XXXX XXXX, KY XXXX XXXX on XX/XX/2017. I did not authorize this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted letters to Transunion requesting their help to investigate and verify the account 's information and have it corrected to appear accurately on my Credit File. It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. I need you to remove the late dates from this account ASAP : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the XXXX XXXX. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of the data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX sincerly XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate collection reporting to my credit report from third party company XXXX XXXX XXXX XXXX Account # XXXX. They are attempting to collect {$280.00}. Date Opened XX/XX/2022. This medical debt was sold to this third party collection agency from XXXX XXXX XXXX XXXX without my consent. According to FCRA, this is against Hipaa law.
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. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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 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 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: Money transfer, virtual currency, or money service

On XX/XX/22, I was defrauded of {$500.00} in a phone scam through Zelle transfers from two bank accounts. One was XXXX checking, the other was XXXX XXXX. The caller pretended to be my utility and demanded emergency payment in order to avoid electric shutoff. Since I authorized the Zelle transfer, it was not covered by insurance. XXXX investigated, and told me that the receiving bank account was at XXXX XXXX XXXX. XXXX XXXX refused to investigate at all, which is habitually poor customer service, but not the subject of this complaint. 

Zelle and XXXX  XXXX XXXX provided the platform for a phone scam that cost my family {$500.00} -- that's one week 's salary -- and there is no way to recover the funds.The scam relies on Zelle 's speed of transfer, and XXXX  XXXX XXXX 's lack of responsibility for how its accounts are used. Both Zelle and XXXX  XXXX XXXX are aware that this scam is rampant and costing their customers dearly. 

Zelle and any banks receiving Zelle funds must be accountable for the fraud committed using their services : they must be required to reimburse funds stolen using their services.
Product: Credit reporting or other personal consumer reports

The List of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX {$0.00} And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to 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: Money transfer, virtual currency, or money service

i had money transfer to me from a friend through the PNC virtual wallet insider app the money was received by PNC bank on XXXX XXXX 2017.
i still dont have the money yet, its like its been lost,, i have talked to a half dozen people who refuse to call me back and update me..
i have an email fromXX/XX/XXXX showing the deposit into my PNC acct but funds wouldnt be realeased for 3 days, and it shows as being received inside their vitual wallet insider app on XX/XX/XXXXi have taken on late fees from creditors, ( ive had bills shut off and had to pay reconnection fees ) had to borrow money to pay bills, they arent even trying to solve this,, I used the XXXX App that they advertised an instantaneous money transfer only to find out once transferred, there is a 3 day wait the money is lost ... no one can find it,, the friend that sent me the money will not give it to me again, as it hasnt been returned to his acct, even though PNC has said they disputed this weeks ago XXXX confirmed last weds, that the money was received by PNC onXX/XX/XXXX but yet i have not received anything but,, being blown off by everyone in this bank, including the escalation dept.