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

Since XX/XX/2017, an entity called XXXX have been withdrawing {$19.00} from my bank account. I have no knowledge or any transactions with this entity. I have tried getting my bank to stop this but they claim they can not since XXXX has my account number. 

I have called the number attached to the withdrawals ( XXXX ) but I get an answering service which claims I am not in their system after giving them all my information ( name and account number ) and so they can not answer even my basic questions like what is XXXX ( Is it a bank or an organization, and where is it based ). 

I have not gotten anything from XXXX -- no reports or communication. 

What hurts me the most is when my Social Security check is delayed and I dont have enough funds in my bank account, I get an overcharge fee XXXX XXXX XXXX- when XXXX withdraws. This has happened many times, so I have many times a negative balance showing. 

Please help me stop this scam. 

Thanks.
Product: Debt collection

We have an apartment complex ( XXXX ) that we lived at and moved out of and at the time we did not owe any money. Later we noticed on our credit report that the apartment complex sent a collection amount to a collection agency ( National Credit Systems Inc. ) for over XXXX dollars, we contacted the collection agency and tried to get clarification of the amount owed and who actually owed it. They stated that there were XXXX different social security numbers attached to the debt, but did not know what amounts belong to witch social security numbers. we then contacted the XXXX and asked for clarification, they would not send us any information. All they stated was that all people with the last name of XXXX was put into XXXX file and then sent to a collection agency. National Credit Systems did state that some of the charges was a security deposit. How can a security deposit be charged after a move out. We have asked several times for the original documents and XXXX and the collection agency have never provided them. We are trying to buy a house and this is preventing us from doing so.
Product: Debt collection

I have been receiving multiple calls from these debt collectors from an alleged debt, i demand a copy of my consumer file and consumer report. in pursuant to 15 usc 1692c ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. 

the times in which they call me are inconvenient and they have caused mental distress to me and it interrupts the business i am operating. In pursuant to 15 usc 1692c ( c ) i am ceast and desisting all ilegal activity and means of communication and that also includes that on my consumer report, my consumer report is being used as a means of communication to attempt to COLLECT this alleged debt. i demand a deletion from my consumer report and for them to provide the tax forms thy must file with a charged off account.
Product: Credit reporting, credit repair services, 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 ( Original Creditor : XXXX XXXX  ) : # XXXX, XXXX XXXX XXXX XXXXXXXX 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 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

My account with XXXX TRANSUNION was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit card or prepaid card

Chase closed my bank account that was in good standing, I ran a credit report, and all came back clear. I have a XXXX score of 815-820. Chase refuses to tell me why they closed me down. All they write is that I am guilty by association (?? ).
Product: Debt collection

This debt is not mines and opened under by my name by someone who stole my information. Please remove thank you
Product: Bank account or service

I opened a PNC bank account online. They verified my identity by asking me specific security questions and I funded my account with an instant transfer through a debit card. I then received my XXXX and account number and started to setup my direct deposit. A few days later, I got my ATM card and tried to activate it and was told to contact the bank. At the bank I was told my account was closed due to risk prevention and an incident I had in 2011 which was fully resolved. My direct deposit was already setup. I never received any communication from PNC that they are closing my account. I still have n't received any communication about the closure, but I have received marketing material and instructional mailings on how to use my new account. My money ( both my funding and my payroll ) is now in the PNC account but it is on hold. I have no access to it unless I take time off to go to the branch and get a check for my money. If they were n't going to open an account for an incident 3 years ago, then they should include that check in the opening process. They had my SSN, they ran a credit check, they could add their own security check into the process.
Product: Debt collection

Medical bill was not paid by my father. It went under my name and into collections for me. It was paid in 2015 by myself and it still has not fallen off my credit.
Product: Credit card or prepaid card

I had workable credit card business relationship with Aspire credit card co. I sought to close my cc acct back in XXXX of XXXX. I contacted Aspire by phone, made full payment to close this credit card. It took Aspire over one month to withdraw the final payment. Subsequently my closed Aspire cc incurred a penalty fee of {$190.00}. They sold it to a collections agency, XXXX XXXX and profited off this. XXXX XXXX has humanely worked with me but expect a XXXX payment. This should be a XXXX balance without profiting off collection sale of my cc account.
Product: Money transfer, virtual currency, or money service

I opened an account with Coinbase and over the course of a year+ I slowly purchased a wide range of crypto currencies. At the end of XXXX I went to purchase {$100.00} worth of Bitcoin. The purchase fell to an old debit card I had on file with them. The payment couldn't go through on that card but I had my new card on file as well which was fine the purchase actually did go through on that. Coinbase claimed they never got the money. They did. They then shut down my account at the end of XXXX completely cutting off access to the XXXX I had in my account. 

It's been two months since this has happen and I've filed 10+ tickets, complaints with them, I've tried calling, tweeting at them and filed complaints with : the SEC , Coinbase, XXXX and FTC .
Product: Credit reporting or other personal consumer reports

Upon reviewing my Consumer Reports, I discovered some late payments on two of my account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account : XXXX XXXX ACCOUNT NUMBER XXXX. I request a thorough investigation into these discrepancies and urge you to provide evidence, such as copy of the checks and dates cashed, demonstrating the lateness of these payments. If unable to send proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay. I have attached proof from my bank a check that was sent in to complete 2 months of car payments back in XXXX. Please update my account as I am trying to purchase a home for my family and I. THANK YOU!
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a credit score of XXXX and I woke up the other day logged into credit karma that Ive had for 4 years and my score was from XXXX to XXXX, its impossible I have no debate no credit cards no loans, and have always worked hard on disputing any hard inquiries. I want to put a lawsuit on this company Im having traiuble and I suspect of identity theft
Product: Checking or savings account

Closed an checking account with Customer Service via telephone. This did not happen. Which resulted in overdraft fees and bank not letting me to reopen a new account with them or any other banking institution. And lower credit score.
Product: Debt collection

Guglielmo & Associates company sent me a letter in XX/XX/2020 stating that I needed to submit a request for validation within 30 days of receiving the letter. Request for validation of the debt was sent to Guglielmo & Associates and XXXX XXXX on XX/XX/2020 and a response was never received. On XX/XX/2020 a summons was left in my driveway stating that I was being sued by the company and the date that the lawsuit was filed on XX/XX/2020 which was 40 days AFTER my validation request was sent however no response was provided which violates my FDCPA rights.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed inaccuracies regarding late payment reporting for my accounts with XXXXXXXX XXXX XXXXXXXX XXXX Account Number : XXXX Specifically, there are late payments reported for the following months : - XX/XX/XXXX - XX/XX/XXXX and Account Number XXXX, Specifically, there are late payments reported for the following months : - XX/XX/XXXX I believe these late payments are inaccurately reported. According to my records, all payments were made on time. 

Could you please provide proof of these late payments, specifically canceled checks showing the date each payment was processed? I must emphasize that records of transactions alone are not sufficient proof of late payment ; what is required is evidence demonstrating that the payment was indeed processed late. 

Also, to maintain a positive relationship, I am open to resolving this situation through a goodwill adjustment to remove the late payment reporting. This adjustment would greatly assist in correcting my credit report and maintaining my financial health. 

As per the Fair Credit Reporting Act ( FCRA ), all information reported to credit bureaus must be accurate and verifiable. If you can not provide the requested proof, please remove these inaccuracies from my credit report. 

Thank you for taking the time to look into this matter. Please let me know when you've received this letter and the actions taken to correct my account. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2018 my savings and checking accounts were hacked and 2 unauthorized money wire transactions for {$17000.00} and {$3000.00} were made to XXXX XXXX  in NJ. 
Since then i was not able to get my money back. I've been talking to many people from Wire Dept. and now dealing with Citiban

k Fraud Department. First time i spoke with investigator was only last week. No one since the day one was able to explain to me how these transactions happen and why i did not receive any notifications through email, phone, etc. Why no security questions were asked? The only reason why Citibank Fraud Department is trying to deny my claim is that according to them i " allowed '' or even " authorized '' someone to access my IP.

Customers could take from ATM no more than {$1000.00} per 24 hours. At the same time criminals emptied my both accounts for the amount of {$20000.00} within 20 minutes.

It's something we should not tolerate. I am sure i am not the only victim of Internet crime. 
My case clearly shows that Citibank has very serious security problems. 
I am in the XXXX XXXX XXXX  and spoke to many people who also got robbed but their banks issued a complete refunds and they are really surprised how Citibank handles this case. 
I have XXXX kids and for over a month can not receive my money back. I need to pay my bills and have no time to wait any longer. 
Please take all appropriate measures to protect our banks customers. 
Documents related to this case are attached here. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I recieved a report from XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX XXXX ) XXXX, which indicated a closed account from XXXX  XXXX auto opened in XX/XX/XXXX, but was removed from my credit report in XXXX, due to being older than 7 years I recieved this credit alert from equifax, XXXX in XXXX that it fell off my credit report. on XX/XX/XXXX, I see it's been placed back on my credit report in XX/XX/XXXX by this agency and when I logged in to see Equifax credit report and look at my closed accounts, XXXX  XXXX shows ( Closed Account ) but it's there to view and it's been there for XXXX  year and XXXX  months, so my complaint is why is it there it shouldn't even show, for XXXX  years XXXX months they've had this on my report, I want it removed because eventhough these account show closed, they are still sending out old information that should not be reported. This is causing me to pay more and keeping my credit score down, please enforce this and make them remove any and all closed accounts. Their disclaimer even states that these accounts are removed after 7 years, it's been XXXX, they should remove all of those closed accounts that way this will not happen again, and I'm asking that they be sued because this keeps certain groups of people credit scores down and that's discrimination, its also fraudulent because on one hand their telling us that this information is not being reported it's closed yet it shows up, so they are lying.
Product: Credit reporting, credit repair services, or other personal consumer reports

This was a {$600.00} loan with a XXXXmonth term. I was wrongfully terminated and fell behind on everything. I've wanted to take care of this but XXXX years later they are still reporting random balance increases yet charged off the account. The balance they're reporting is entirely made up. It doesn't reflect interest owed or even my loan with them. They refuse to remove it after XXXX disputes with credit bureau. I've called and the lady refuses to give me the XXXX and they don't call back. I can't move my family into an apartment and been denied jobs.
Product: Credit card

I am writing to inform the Consumer Financial Protection Bureau of discrimination on the part of Capital One. Their company can and will remove derogatory information, which is accurate, from consumer credit files. I am aware of several people who have had success submitting goodwill requests to their executive office. They have gotten late payments, even charge offs removed from their credit files. If Capital One denies this occurred, or that it continues to occur, I would be happy to provide documentation showing that it did and does. For some people, present company included, Capital One will respond saying " the information being reported is accurate. therefore, we are unable to remove or modify it. '' I have gotten this cookie cutter response multiple times from different people within their company. It is frustrating because I know for a fact that is n't true. Their company can and does remove negative information, which is accurate, for some of their customers. I personally know of several, so there are likely a lot more. XXXX people can contact their executive office with the same request to remove negative information from their credit files. XXXX will get approved without any challenges, the other will get denied with Capital One claiming they do n't modify or remove accurate information. Even the guy I spoke with today at Capital One did n't deny that Capital One removes negative information for some people, but not for others. He would not elaborate on how they come to their decisions. This has me concerned because it 's entirely possible, even likely, that Capital One is engaging in discrimination. How can they say they 're not? If XXXX people submit the same goodwill request requesting that Capital One remove negative information, and XXXX is approved while the other is denied citing the law or their own policies, how can they say that is n't discrimination? There is some set of criteria they are using to view XXXX customers differently, outside the scope of their goodwill requests. I would like to know what that is, and the public has a right to know.
Product: Debt collection

I received a notification from the credit bureau and I have no knowledge of this debt. I never gave anyone permission to sell this debt. The amount is for XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous of times and reporting discrepancies, my financial intuition and Zelle failed to investigate my claims inadequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I have called the XXXX XXXX XXXX XXXX  about my payment history showing up wrong on my experian credit report. They sent me over my ledger and it shows XXXX and XXXX was paid on time. Only XXXX is reporting correctly. By them not reporting XXXX my score will not increase.
Product: Credit reporting or other personal consumer reports

Im unable to get my updated credit score from Equifax using XXXX XXXX or Equifax.com, I called and they said theyre working on it .. Equifax says Please give us a call and give this code to the Agent : XXXX Your Equifax credit report and score are not available at this time due to a technical error. Please call Customer Care at XXXX ( XXXX XXXX ). 
I called. Agent said theyre working on it.!
Product: Credit reporting, credit repair services, or other personal consumer reports

I got notice from Capital One I was delinquent on my loan with them for a truck in account ending XXXX. I dont and I never had a vehicle through Capital One. I did not buy any truck. Eventually I saw the account online, it appears XXXX was paid and XXXX is remaining and they want it from me.I am not paying for what is not mine. I have repeatedy asked for a copy of what I signed or what causes them to say this is my account and they will not, I told them this, that XXXX bought no truck through them ever in my life. Instead of providing me anything showing I did anything wrong they sent me a pre-written statement to sign saying that they believe I have committed loan fraud. I refuse to sign that and told them to put me in jail for fraud. I have been a XXXX XXXX 51 years. My position XXXX XXXX XXXX, I kept that position over 20 years and I have no bad conduct of any type in any internal affairs file anywhere..I certainly have no arrests. My credit report shows a 200 point drop ... this should be dropped as they refuse to show me what I did and when. It has been close to a year and the only action is to accuse me... They need to drop it or put me in jail. My credit MUST be restored ... Hard to imagination someone buying in my name but I know its done, harder to believe they accuse without saying why.or showing me just what I am supposed to have signed.I have talked to them more than several times about this and each time I am told they will look into it and here comes another " you owe '' .Many times I have requested the documents I have signed and they agree to send and they never come... If I did this I sure wouldnt challenge to put me in jail but I do... I owe them noththing and have two other accounts that are good in fact one is overpaid however they have done something and when I try to use my cards they are rejected ... accused without cause, denied what I have congracted with them to do.It should be noted I have -0- information from them on this matter but for the statement to sign where they accuse me. OPEN MY REAL EXISTIN ACCOUNTS, FIX MY CREDIT REPORT, OR PUT ME IN JAIL< GO FOR IT
Product: Debt collection

I have a collection account that I've been reaching out to numerous times about relief and they were still billing me. I told them due to covid 19 hardship I lost my job and everything, I won't be able to make the payments. They ignored me and kept adding on payments.
Product: Money transfer, virtual currency, or money service

I am not a Venmo user, however, on XX/XX/year>, at XXXX, I received an email from XXXX XXXX XXXX {$99.00} from the email XXXX. 

The email offered to call ( XXXX ) XXXX if fraud was suspected. I do not know the person requesting funds and I do not trust this email sender.