23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

-My husband 's direct deposit did not go through for the week of XXXX XXXX XXXX XXXX due to the processing error with the XXXX XXXX and Federal Reserve issue . Our XXXX XXXX account was overdrawn. It was an error by XXXX XXXX XXXX, which is the private operator of the XXXX XXXX XXXX payments system that works with the National Federal Reserve. The Federal Reserve was working with banks to rectify the situation and pay those who were affected and whose direct deposits did not get deposited as expected. My bank just rectified the situation late last night on XXXX XXXX XXXX  and the paycheck that was missing was finally deposited into my account. -Because my bank took so long to correct the situation, I am being charged a {$30.00} fee for a {$20.00} gas purchase/transaction on XXXX XXXX from XXXX and by debt collector CheckRedi Payment Services XXXX I have tried to get it waived and no one can eliminate it. 
This recent inability to access my funds, was not my fault or my banks fault. It was an error on a larger national level and I feel I should not be penalized by overdraft fees, late fees or other penalties. It was the error at the national level with TXXXX XXXX XXXX and the Federal Reserve. 
-They told me " We do not remove fees for bank errors. You would have to seek re-imbursement from your financial institution if their error occurred you a fee. Your balance owed with fee is {$50.00}. You may call back to make arrangements, or you may pay the balance in full online at https : //www.checkredi.com/pay-online.cfm. 
Please keep in mind that our system can randomly resubmit the transaction and fee to your account if a payment is not made. '' -They also told me, " That would still be the network your bank was using for deposits. We were not made aware of any issues. Also indicated in the letter from XXXX which is prior to your purchase and you were already supposed to have the funds available upon the purchase at the point of sale, up to 1-3 business days. We can not waive the fee. '' -It 's very unfair that no one has communicated this information to all businesses and that I am being charged a fee for an error that I am not responsible for.
Product: Credit card or prepaid card

This problem is with a Citi Rewards card. Since XX/XX/2020 I - like many other people - have been experiencing problems with both receiving & sending mail. My credit card from Citi Rewards has been arriving late. As soon as I receive it, I immediately call Citi Rewards to inform them of the late delivery - write a check & send it in. OK - I've done my part - however Citi Rewards doesn't see it that way & they cut me off saying I hadn't paid. Not true - I sent a check to them over 2 weeks ago & it is delayed in the mail. I have a good credit history & payment history - but this virus has thrown everything out of order. I want Citi Rewards to rescind fees to at least all of us who are good customers & reinstate my account. I see no reason for Citi Rewards to withhold service given the situation we are all in. I am not the only 1 - I've heard from friends & neighbors being in the same situation. This is not the time for credit card companies to be gouging us w/extra fees when the situation is beyond the consumer control.
Product: Credit reporting or other personal consumer reports

I am frustrated with TransUnions poor customer service, specifically in managing my credit freeze. Every time I log in, I encounter an error message that says, " Sorry, we're having trouble showing the status of your credit freeze right now. '' The online chat is unavailable due to high volumes, and when I call, I am put on endless hold after dealing with an unhelpful automated system. In contrast, XXXX and XXXX make it easy to freeze and unfreeze credit on their websites. I find TransUnions approach unacceptable for 2024 and expect better service.
Product: Vehicle loan or lease

My account with XXXX XXXX was closed XXXX XXXX XXXX after I reported to them that the vehicle was property of the police department due to the arrest of someone else who was driving the vehicle. 

The account was Written off to Profit and Loss, it was removed from my credit report for a few months and then suddenly reappeared with balance of {$12000.00} If they wrote the account off and took that as a deduction on their taxes, should I not have received a XXXX so I could report it as income? Also, how is a written off to their profit and loss the account still showing a balance?
Product: Credit reporting, credit repair services, or other personal consumer reports

CONNS is violating 15 U.S. Code 1681b by continuously reporting my information to a third party without my consent.

Per the FCRA as a federally protected consumer I am now opting out of any ; and all authorization, I the consumer may have given you written, unwritten, verbal, and or non-verbal per 15 USC 1602.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding inaccurate accounts on my credit report that are still reported in despite of my previous request and kindly request your assistance in getting them to correct. The inaccurate information is negatively affecting my creditworthiness and financial well-being, and I have been unsuccessful in resolving the matter with the credit reporting agency directly. The XXXX and Transunion credit bureaus have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report with the late status of accounts resulting in significant harm to my financial standing and reputation. I never been late in paying and with this, I have enclosed copies of my bank statements, payment receipts, and any other supporting documentation to substantiate my claim. I kindly request that you investigate this matter promptly and correct the inaccuracies on my credit report as required by the Fair Credit Reporting Act. Please provide me with a written confirmation of the correction once the investigation is complete. I understand that, according to the Fair Credit Reporting Act, you are required to investigate this dispute within 30 days and inform me of the results. I expect your prompt attention to this matter and a swift resolution. These accounts should be corrected : XXXX XXXX XXXX XXXX Balance : {$6100.00} ; XXXX XXXX XXXX XXXX Balance : {$6300.00}.
Product: Credit card or prepaid card

My wife and I have been experiencing unforeseen hardships due to the Covid-19 Pandemic. We have 2 credit cards with CitiBank , N.A . who refuse to take our late and missed payments off of our credit bureau. The same company also refuse to work out a fore-bearence plan until we are able to start making regular payments again. Our credit was in the low 700 's before the pandemic started, now it is barely above 500. I have called and spoke with representatives from both companies, citibank for Home Depot consumer credit card and my Home Depot Commercial Revolving account. Both account max balances have also been lowered, so even if I had work, I wouldn't be able to charge materials to my account because all my balances are maxed. Citi bank phone : XXXX XXXX XXXX XXXX, I spoke to XXXX first and then she transferred me to XXXX. Both agents were nice enough but stated that they were not able to report anything other than what the account shows and that I was not available for any more " treatments '' due to the Covid-19. I was told that I had to pay {$1300.00} by XXXX XXXX, 2020, or my account would be forcibly closed and that it would reflect on my credit bureau as well. if you go to this citibank website you can see that there are many people out there with the same problem. https : //blog.citigroup.com/2020/05/working-together-to-fight-hunger-during-covid-19/
Product: Credit reporting or other personal consumer reports

Recently I reviewed a copy of my credit report and noticed several inaccuracies on my account. These accounts are hurting my ability to obtain credit and does not comply with the maximum possible accuracy standard and must be removed due to its failure to maintain reasonable procedures, which is a violation of 15 U.S.Code 1681e ( b ). It is my understanding that you will investigate these items for me to ensure accuracy. Here are the items I am asking you to verify as accurate : All accounts are on XXXX, XXXX, EQUIFAX ( XXXX XXXX ( ORIGINAL CREDITOR : 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
Product: Money transfer, virtual currency, or money service

I was paid by the company I work for through an invoice I sent them through PayPal. PayPal will not release The money that was sent to me. This is my salary and I can not pay rent or eat without this money. 

They keep giving me misleading information, and telling me the money will be released and now they are telling me I have to wait 21 days. My paycheck was sent XX/XX/23.
Product: Credit card

PayPal credit just called my cousin XXXX and disclosed my financial information to him, and they do not have any authority to contact him for any reason.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Balance : {$26000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4000.00}, XXXX XXXXXXXX XXXX Balance : {$660.00}, XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$450.00}, XXXXXXXX XXXX XXXX XXXX XXXX : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today I sought to access my disclosure report from the National Consumer Telecom & Utilities Exchange by accessing the number on their website. There was no option to speak to a person except perhaps for those who are visually impaired ( which I am not ). Upon successfully verifying my identity on the electronic call service, I was told my disclosure report would be emailed to me if they had my email address on file. It is unclear whether they have my email address on file, or for example they would use this information that my utility companies have about me, and there is no option to provide this information for either a hard copy or electronic copy to be sent to me. 

If a service is being provided for the public good, it needs to be accessible. There's no use in telling me you provide free reports on my account if there's no way to receive it or even talk to a human to understand what's possible and ask questions.
Product: Debt collection

XXXX I received a debt collector called my phone and claimed to have a debt I owed on. They provided a social security number and date of birth and address and said I verified into to my account and started speaking about a medical debt. I know they arent allowed to give personal information to any third parties and need to verify it is the debtor before providing any information. I asked to speak to a manager who refused to talk to me till I provided a date of birth or last four of my social. When I told them that the date of birth and social security I was given by the representative were this, he told me I have to just say it and not that the representative told me it or he wouldnt help me and he hung up on me. This clearly shows they know it was wrong and a breach of the fdcpa and hipaa laws. I asked for a signed third party consent form signed by me and they told me they didnt have that either which indicated they are illegally holding medical information according to hipaa regulation. The compliance officer XXXX told me he had to request that info which and he defended the representative and provided all of the personal information again saying hes allowed to arrogantly. When I told him that personal information is enough to verify into a bank online and he is putting peoples identities at risk he arrogantly mocked me and told me I need a better bank. He also said hed block me from calling in at all after I told him Id call and escalate this. They refused to provide me their address and blocked me.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention certain concerns regarding the information contained in my consumer credit report, as provided by XXXX, XXXX and Equifax. As a consumer, I am keenly aware of my rights under the Fair Credit Reporting Act ( FCRA ) and the importance of ensuring the accuracy, fairness, and privacy of my credit-related information. Under XXXX XXXX XXXX, XXXX XXXX, there is a fundamental need to ensure that consumer reporting agencies exercise their responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. Furthermore, XXXX XXXX XXXX underscores XXXX 's policy that each financial institution has an ongoing obligation to respect the privacy of its consumers. I have recently become aware that [ XXXX XXXX XXXX ], a financial institution by definition, has reported certain information to your agency without obtaining my explicit consent as required by XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. Additionally, I must assert my right to revoke any and all authorizations, whether verbal, nonverbal, written, implied, or otherwise, in accordance with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). Moreover, it has come to my attention that the reported information includes adverse items, violating the statutory provision of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), which prohibits consumer reporting agencies from including certain items of information without proper authorization. I wish to emphasize that, as per XXXX XXXX XXXX ( A ) ( XXXX ) ( a ), any information furnished to a consumer reporting agency must be accurate. Given the discrepancies I have identified, it is evident that there may be inaccuracies in the reported information, constituting a potential violation of the law. Furthermore, XXXX XXXX XXXX mandates that consumer reporting agencies maintain reasonable procedures to avoid violations of section XXXX and limit the furnishing of consumer reports to the purposes listed under section XXXX. I am concerned that the procedures in place may not be sufficient to meet these statutory requirements. In light of the aforementioned issues, I am formally disputing the accuracy of the information reported by [ XXXX XXXX XXXX ] and kindly request a thorough investigation into the matter. I have enclosed relevant documentation supporting my claim for your review. Please be advised that, under XXXX XXXX XXXX, I am exercising my right to opt out of any adverse reporting services provided by [ XXXX XXXX XXXX ]. I trust that you will promptly investigate this matter and take the necessary steps to correct any inaccuracies in my credit report. Thank you for your prompt attention to this matter. I anticipate your cooperation and a swift resolution.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : 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
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App 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 g was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations. Furthermore when I called there XXXX XXXX XXXX had to XXXX it because it was nowhere to be found in their app. I called an a person picked up. My card was locked and wouldnt unlock for no reason. I had no fraudulent charges or suspected charges so I called to ask about that. Once the person picked up they said its because they didnt have enough information and requested I send pdf files/ images of my information like pay stubs or bills in my name as well as routing number to my cash app and billing information and address.
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. 


FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX - XX/XX/XXXX COAF - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX MTG - XX/XX/XXXX 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 XXXX 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 XXXX 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

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency 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 the 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 reseller. 

XXXX  XXXX Bankruptcy Account name : XXXX XXXX Account number : XXXX
Product: Checking or savings account

Due to excessive over draft fees and other fees i was forced to close my XXXX navy federal checking accounts. Navy federal now has a law action suit against regarding these fees.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute of Inaccuracies in Credit Reporting Dear CFPB, I am submitting a formal complaint regarding inaccurate and inconsistent reporting on my credit report concerning the account identified as Account Number XXXX by XXXX and XXXX by Equifax. 

Specific Issues with the Reporting : Account Number Discrepancy : XXXX reports the account number as XXXX, ** while Equifax XXXX it as XXXX  This inconsistency raises concerns about the accuracy and reliability of the information being reported. 

Late Payment Reporting : Both XXXX and Equifax indicate a 30-day late payment in XX/XX/year>, yet my records show no such delinquency. The creditor has failed to provide documented evidence to substantiate this claim, which is a violation of the Fair Credit Reporting Act ( FCRA ). 

Payment Status Conflict : Despite both bureaus reporting the account as " Closed '' and " Paid, '' the inclusion of a late payment inaccurately portrays my payment history, which could adversely impact my creditworthiness.
Product: Credit card or prepaid card

I purchased a XXXX XXXX XXXX  a total amount of XXXX on XX/XX/2020 I decide to return the item to XXXX. I put the item inside the box by myself and I drop it at a UPS store. after a week I have not seen my refund I contact XXXX XXXX and they claim the box was empty. they told me there is no item inside the box. I called the UPS to see what happened to the BOX. they told me that only XXXX can open a claim because the item is not in my name. I call XXXX back and told them to follow up with XXXX they told me there is nothing they can do. and we are not refunding the XXXX. I tried to solve this problem with XXXX before I contact consumerfinance for help. I attached the receipt and the emails. according to the XXXX the box weight is XXXX and XXXX XXXX the box was empty which does not make any since to me. and I am not sure, why they dont want to follow up with XXXX to solve the problem. XXXX claims they send me the package back which is not true. I did not receive anything from them.at first they said the package is empty. And now they are claiming they received a wrong item.I opened despute with Chase Bank and they did not take any action against XXXX