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

My account was $ XXXX in the negative. I went immediately and deposited {$25.00} cash into the atm system to get my account out of a negative balance. I then had a positive balance of $ XXXX in my account. There was enough money in my account to cover my transactions. The next business day PNC bank charged me {$36.00} because my atm deposit was after XXXX. Now my account is again $ XXXX in the negative. On Friday XX/XX/2021 XXXX I discovered that PNC bank charged me ( 3 ) {$36.00} overdraft fees for the pending transactions on my bank that had enough money originally in my account to pay for. They charged me a total of ( 4 ) overdraft fees totaling {$140.00}. I made a deposit for {$170.00} plus {$25.00}. 


This is wrong. Its ridiculous I know how to manage my bank account. I work very hard to manage my finances. I am a responsible individual and I want my bank account fixed. This is how the rich keep getting rich and the poor stay poor. I understand there are rules to how transactions work. However ; there was enough money to pay for my transactions.
Product: Credit reporting or other personal consumer reports

Dear Equifax Dispute Resolution Team, I am writing in response to the results of the dispute investigation completed on my credit file. After reviewing your findings, I believe that there are still discrepancies and unresolved issues that require further attention. Below, I have outlined my concerns and the steps I request to address them : XXXX XXXX XXXX XXXX XXXX XXXX  The account has been marked as verified, but I am still disputing the charged-off balance and the status change. I believe this information is inaccurate and request that further investigation be conducted.

2. Department of Education Accounts The updates to my scheduled payment, deferred pay start date, and actual payment are incorrect. I ask for clarification on the basis of these updates and request the necessary supporting documentation to confirm the changes. Specifically, I would like to see any communication from the creditor that validates these updates. 
XXXX XXXX XXXX XXXX You confirmed that this item belongs to me, but I have concerns about the reporting of past due amounts. Please provide me with the original documents and verification that confirm this balance, and let me know if the debt was settled or discharged. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Accounts I have noted discrepancies in the payment history, status, and balance across these accounts. I request a more thorough review of these items and would appreciate receiving all documentation that substantiates these entries. 
5. Other Items ( Inquiries & Other Discrepancies ) I also noted issues with inquiries such as those from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX As per the Fair Credit Reporting Act ( FCRA ), I would like to receive a detailed explanation as to why these inquiries have been included, even though they were not authorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ND XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX CO XXXX XXXX XXXX {$0.00} XXXX XXXXXXXX Balance : {$2100.00} XXXX XXXX Balance : {$3500.00} XXXX XXXXXXXX Balance : {$2400.00} XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$1400.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$230.00} XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Money transfer, virtual currency, or money service

I ordered XXXX from XXXX, using their app, which is tied to my XXXX. 

My family moved in XXXX, and I updated my address in every XXXX system I could locate. 

The order went to my old address, regardless. 

I have spent days working with their customer service teams, which are " chat '' based, trying to remedy the situation by a ) correcting the address, and b ) sending me a replacement. 

The XXXX customer service representatives, which in the past have been excellent, have not remedied either situation, and seem to be leaving me at a dead end. 

I have requested escalation to a manager, multiple times, and keep getting strange chat responses, like unrelated recommendations, etc. 

I feel like I am being ignored and there is no accountability from XXXXXXXX XXXX side. 

NOTE : A transcript of the chat series is attached.
Product: Money transfer, virtual currency, or money service

I had a checking and savings account with bank of America. Between the dates of XX/XX/XXXX-XX/XX/XXXX, I sent several money transfers using XXXX that never got to their intended accounts. I have all the verification codes and emails as proof. When I brought this to bank of Americas attention they said they couldn't track the missing money, told me it was sent successfully than terminated my account.
Product: Mortgage

I had a mortgage through Bank of America for a condo I owned in XXXX, MA. I sold the condo in late XXXX, and Bank of America sent me a check for {$3700.00} for excess funds in my escrow account. This was right around the time that we had a child, however, and I wasn't able to deposit the check before it expired. I called Bank of America in the spring of XXXX and spoke with someone who told me he would look into it. I then received a notice in the mail, dated XX/XX/XXXX, telling me that the first check had been canceled and that a new one was being issued and sent to me. I have never received this check. I have tried calling many times, but have not been able to connect with a real person. I also sent an email through the website several weeks ago and never received a response. I have both the account number and the case ID from the call.
Product: Credit reporting or other personal consumer reports

In reference to the complaint ID XXXX. The US Department of Education failed to reply or fix issues related to said complaint ID XXXX. They Violated FERPA 20 USC 1232g ( B ) Release of education records ; parental consent requirement ; exceptions ; compliance with judicial orders and subpoenas ; audit and evaluation of federally-supported education programs ; recordkeeping. The accounts are also over 7 years old which violates FCRA. They are also reporting conflicting information across all credit bureaus. Tender of payment was made and not applied to account. These matters has caused both stress and endangerment of my life. On contract with Direct Loans and XXXX  which are now transferred to US Department of Education Default Resolution group, the promissory note states they would not share my personal information with any third party which XXXX sales information about consumers on USIS which includes my personal information through both direct and Indirect Channels According to their SEC Registration XXXX, 10-k form, and this violates FERPA and the privacy act of 1974. Equifax acquired XXXX XXXX, a third party which also holds US Department of Education accounts on my credit report from Equifax system, and buy and sales information which is a breach of The Privacy Act of 1974.XXXX uses the London Stock exchange without my consent of soliciting my personal information breach of the Privacy act of 1974.
Product: Credit reporting or other personal consumer reports

I appreciate your assistance in removing a section of my credit file related to fraudulent activity. There are still items that should be deleted. Under FCRA Section 605, you are required to remove any inaccurate records. I have already included this documentation in a previous letter, and I am resubmitting it for your reference. My attorney is aware of my intentions, and they are prepared to hold you accountable for continued non-compliance. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX  and XXXX  credit report indicates two collection accounts that are not mine. Accounts XXXX an XXXX. 

The collection account belong to Kansas Counselors. The original creditor is XXXX XXXX Hospital. My son who is older than XXXX and shares the same name as me, is responsible for these accounts. 

I talked with XXXX XXXX Hospital and they agree I do not own the accounts or even have an account with them. I talk with Kansas Counselors who has in there records the two accounts incorrectly associated with my social security number. 

I emailed Kansas Counselors twice to ask them to confirm their information with XXXX XXXX Hospital. 

I submitted three XXXX  disputes and one XXXX  dispute ( so far ). Each time they say Kansas Counselors has confirmed the accounts belong to me. 

This is so frustrating. Kansas Counselors has done this to me in the past yeas, but then I got it removed after several disputes.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the account : XXXX XXXX XXXX : {$0.00}
Product: Debt collection

SYNCHRONY BANK committed fraud when they created an account on my behalf ; Pursuant to 15 U.S. Code 1693 ( a ) Account means savings account or deposit account. I the consumer have never done so nor will I ever. The language used on the bill was that youve given me XXXX but you say that I owe you. When a debt is owed it is shown with ( - ) before said amount, so this means that Ive been credited. As a consumer with open ended credit, I want my account credited. I am REFUSING TO PAY BECAUSE I AM THE MASTER CREDITOR AND ISSUER OF CREDIT. I am not giving you permission to cancel the terms of service and I will not be paying this alleged debt nor any future alleged debts.3. Take Notice, that Pursuant to 15 U.S. Code 1692a ( 2 ) the term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium and in this specific case you SYNCHRONY BANK used email, postal service etc. to communicate indirectly with me a consumer who is defined Pursuant to 15 U.S. Code 1692a ( 3 ) as any natural person allegedly obligated to pay any debt.7. You SYNCHRONY BANK are also in violation of 15 U.S. Code 1692b ( 2 ) which states that you may not state that I, a consumer owes any debt. Furthermore, you have attempted to communicate with me on multiple occasion which is a violation of 15 U.S. Code 1692b ( 3 ) ; 9. Take further notice that Pursuant to 15 U.S. Code 1692e ( 9 ) articulates that the use or distribution of any written communication which creates a false impression as to its source, authorization, or approval as you SYNCHRONY BANK is stating that someone other then me a consumer in fact, is the creditor when I am the creditor Pursuant to 15 U.S. Code 1692a ( 4 )
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am submitting this complaint regarding Equifax violations of the Fair Credit Reporting Act ( FCRA ), specifically related to improper investigation of disputes ( 15 U.S.C. 1666b ) and inaccurate credit reporting. Below are the details of my complaint : XXXX. Failure to Investigate Disputes Properly On XX/XX/XXXX, I sent a dispute to Equifax via XXXX mail ( tracking number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). Despite having received my dispute, neither XXXX nor Equifax responded, nor did they mark the disputed account as " in dispute, '' as required by law ( 15 U.S.C. 1681i ( a ) ( 3 ) ). This constitutes a clear violation of the FCRA, which mandates that credit reporting agencies must conduct a reasonable investigation and notify the consumer of the results. 
XXXX. Inaccurate Reporting The account in question has discrepancies between reporting agencies. Specifically, Equifax lists the account 's open date as XX/XX/XXXX, while XXXX incorrectly reports XX/XX/XXXX. This inconsistency violates FCRA 's accuracy requirements under 15 U.S.C. 1681e ( b ), which obligate credit bureaus to ensure the maximum possible accuracy of information in credit reports. 
XXXX. Pattern of XXXX This is not an isolated incident but rather part of a broader pattern of non-compliance by XXXX and Equifax. The CFPB has previously imposed fines on these credit reporting agencies for similar violations, demonstrating a consistent disregard for their legal obligations and consumers ' rights. My case serves as an example of the detrimental effects of such negligence. 
I urge the CFPB to hold XXXX accountable for their non-compliance and ensure that these practices are addressed to protect other consumers. 
Supporting evidence, including the certified mail receipt and my original dispute letter, is attached for reference.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I visited Discover.com to check my rate for a personal loan after receiving advertising material stating Check your rate with no impact to your credit score. I followed the prompts and immediately stopped when it showed the rate, as I was unsatisfied with the rate and had no intention of proceeding with this loan. I did not further engage the website or loan portal in any way to ensure there would be no hard credit inquiries. On XX/XX/XXXX around XXXX XXXX I received an email confirming an application was submitted, which I did not authorize, as well as a notification of a hard credit inquiry from Discover, which I also did not authorize. Prior to this I had no access to my phone or computer to even be able to submit an application, and even at that, I had no intentions of going back to the loan inquiry to even look at the request to take any action. At this time Discover Personal Loans was closed so I could not call to notify them of this. On XX/XX/XXXX I called to let them know I did not authorize this application to be submitted or my credit to be pulled. The representative told me all they could do is cancel the application and offered no solution for the unauthorized credit pull. The representative acknowledged that I stated these actions were not authorized but still took no action. I called back and spoke with a supervisor to try to obtain a resolution and all he did was try to offer me loan options and acknowledged that I told him I did not authorize this application or credit pull, but still did not provide a solution for Discover to review and rectify the issue of them pulling my credit without my consent.
Product: Debt collection

I moved from an apartment and was told I owed money on a carpet clean. This was sent to collections to a company called IQ Data. They called me, and asked how much could i pay. I told them i dont have any money to pay it. They asked for a card to keep interest from going on the account so i gave them my credit card and told them to call me on friday ( this started on a Monday ) to see if i have the money for it. I spoke to a woman. On Wednesday my phone kept ringing at work so i answered it, I told the guy I told the woman I was gon na have them call on friday to see if? I had the money to pay the {$50.00} they wanted to do. I told him I didnt have the money for it. He kept calling me all that day and thursday and left me a voice mail message on thursday saying I refused to pay. I woke up on that friday and went to a gas station on my way to work to only find my credit card was charged {$50.00}. I called the company and spoke to a manager. He refused to give me my money back claiming I authorized the charge. This I did not do i would not do so if i am not sure if i can pay it. The manager spoke to me very disrespectfully. I called my credit card company and disputed the charge. They were suppose to provide this proof they claim within 15 calender days and according to my credit card company they did not. Today is XX/XX/2017 and I was called again from the IQ Data company stating they tried to run my card again and it was declined I told him I never said they could! I called again soon as I arrived earlier at work and spoke to their manager again, only this time he spoke awful to me. Saying I charged back the card and I got my money back claiming hes going to take it to " the next level '' and refuses to tell me what he meant by saying that. I also requested this proof of my authorization he claimed I did from the previous charge and he said " I can give it to you, but, I wont ''. I told him legally I should be entitled to this and he kept saying what he said to me speaking to me in a manor as if he was talking down to me. He was extremely disrespectful to me. Threatening me with legal action because I did a charge back on a charge to my credit card I do not ever recall doing so and refusing to provide the poof to me. I have never been talked to before by a company specially a manager like IQ Data. I got off the phone XXXX. I have never been threaten or talked to like that before.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/XXXX, i sent a letter to Equifaxfor reporting inaccurate information on my account, i received a letter on XXXX/XXXX/XXXX stating that it was verified. On XXXX/XXXX/XXXX, i sent a letter requesting method of verification, received a letter dated XXXX/XXXX/XXXX stating that it was verified. On XXXX/XXXX/XXXX, i sent another letter requesting for the method of verification, i received a letter dated XXXX/XXXX/XXXX stating verified as accurate. They failed to provide me with the method of verification twice, and failed to provide a response within the 15 day time frame. I have also contacted the company and has not received any response from them.
Product: Credit card or prepaid card

On XX/XX/2021 a call from XXXX and XXXX called to say my credit card was used to purchase several items from XXXX. They knew my credit card number and expiration but wanted the three numbers on the back. They called several times in a row. I called the Capital One number on the back of the card and this is not their process and the purchases were never made. 
I cancelled the card. 

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

XXXX XXXXXXXX XXXX XXXX $ XXXX Speedy cash XXXX XXXXXXXX {$350.00} XXXX ordnance with the Fair Credit Reporting act Convergent Account # 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
Product: Debt collection

This company contacted me on XXXX/XXXX/22XXXX XXXX XXXX am regarding a debt via telephone. I responded by requesting a validation letter on XX/XX/2024 for the collection account. I never received any response about the validation letter. but continued to receive harassment phone calls on XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Cashapp is allowing fraud in my account and not properly investigating. I have contacted Cash App over XXXX month stand about a transaction made by my XXXX son and the XXXX merchant was fried. We never received the merchandise and the fraudulent merchant blocked us. XXXX erased their account. Cash App has done nothing to properly investigate nor return my money there was also a XXXX debit from my account and they cant confirm who or what it was for all they do is keep denying the transaction Request for my money and sending me email stating the dispute is closed because I havent reached out in XXXX days mind you this all happened in about XXXX hour
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to Experian on XX/XX/2023, but no answer was received. This account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate this account, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 

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

EXPERIAN SAYS THEY WANT ID TO DO DISPUTES. 
EXPERIAN KNOWS WELL WHO I AM ..THATS WHY IM ASSIGNED TO XXXX XXXX IN EXPERIAN CONSUMER AFFAIRS SPECIAL SERVICES.

EXPERIAN DOES NOT WANT TO DO DISPUTES AT ALL THATS WHY THE SECOND DISPUTE ON ANY ITEM IS DETERMINED TO BE FRIVOLOUS.

THEN THEY DO NOT ALLOW UPLOADS SO THAT THAT DENIAL CAN BE OVERRIDDEN, I HAVE PROVIDED SUFFICIENT ID MANY TIMES.

HERE IT IS AGAIN.
Product: Debt collection

Received a call from ( XXXX XXXX ) on my business phone with no message. Called back thinking it was a customer and was forwarded to an unknown extension. Person said I owed XXXX to some bank I do not remember ever doing business with. 
A male voice told me my whole Social security number over the phone, then said the determination has been made to seek judgment. I said I do not respond to threats or scams and he had no business with my personal information. He tried to continue, but I hung up and immediately filed this complaint. My credit has been very good for well over 12 years. No such ( XXXX ) or other is listed anywhere on my credit report.
Product: Credit card

PURSUANT TO THE FAIR CREDIT REPORTING ACT : XXXX U.S.C. XXXX American Express promised me a XXXX XXXX XXXXnterest rate upon sign up for the blue cash everyday card. It was advertised, and on the application I filled out. 

However, I was charged interest from the start. 

There is no record whatsoever that states my interest rate will not be XXXX, at the introductory rate. 

I demand that XXXX interest charged in the amount of XXXX be removed immediately. 

I will not give up.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent an investigation request to XXXX, XXXX, and Trans Union. XXXX responded with my results in a timely manner, but XXXX and Trans Union has not. THey are supposed to respond inside of 30 days, but XXXX and trans union has not met this requirement.