23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

In XXXX, XXXX, I received an offer from Discover about " {$45.00} back when you join XXXX 's XXXX ''. In the offer, it says " Get a {$45.00} statement credit when you activate this offer and sign up for a new {$45.00} XXXX XXXX XXXX membership online or in club with your Discover Card by XX/XX/XXXX. '' I did exactly what the offer asked for. However, I still haven't get the statement credit back after 6 months. Then I contacted discover card on XX/XX/XXXX, I was told that I wasn't qualified for the offer and they are not able to tell the reason why I am not qualified.
Product: Debt collection

Received an email in an attempt to collect a debt on XXXX XXXX, XXXX. 
Submitted verification of debt letter on XX/XX/XXXX. 
Hunter Warfield replied with my rental contract. 
Sent another letter on XX/XX/XXXX and the company stated that they would not respond to any other emails from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXBalance XXXX {$4800.00} XXXX XXXX XXXX XXXXXXXX Balance : {$2400.00}
Product: Payday loan, title loan, or personal loan

I had an account with Regions/Enerbank ( account # XXXX ) and never once made a late payment. In XXXX, XXXX, they were sent a check for more than the total balance. The check was cashed by them on XX/XX/2023, but was not applied to my account until XX/XX/XXXX. They claim they could not find the payment. The XX/XX/2023 statement shows that they claim the total balance was {$16000.00}. They cashed a check for {$16000.00} the previous day and then proceeded to add a {$30.00} late fee! The check they cashed was for {$190.00} more that the total amount owed ( before the bogus late fee ). 

My bank confirms that Regions/Enerbank received the check and the money was placed into the their account on XX/XX/2023. In the time between XX/XX/2023 and XX/XX/XXXX, they charged me {$210.00} in interest even though the loan was paid in full and then some. The check that was received and cashed by them was for {$16000.00}, but they applied only {$16000.00} to the balance claiming the rest of the funds were for " interest and late fees. '' To add insult to injury, they are billing me for yet another {$47.00}. They actually owe me money. 

It is impossible to get information from their website relating to prior statements, total amount owed, etc. Once the date has passed, the information is taken down. I called them several times ( waiting on hold for more than 30 minutes each time ), emailed them a copy of the cashed check information and yet, they still charged me a late fee and did not apply the funds until XX/XX/XXXX. They charged a late fee the day after the amount was deposited into their account. This business is a complete scam and needs to be investigated by banking officials.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach. As a result, I am requesting that the following accounts be blocked and deleted from my credit file in accordance with XXXX XXXX XXXX ( a ) and FCRA XXXX ( b ). 
The affected accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

You guys are reporting a fraudulent item on my credit report. Not only is against federal law, per foray section 605b XXXX XXXX XXXX  acct XXXX is direct fraudulent Police report id affidavit along with the copy of law and two forms of identification are attached you are also breaking hippa laws.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within XXXX  days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report.
Product: Debt collection

I paid this debt in 2012 and it is continuing to be reported and collection attempts continue and the balance is inaccurate. I have tried disputes with the bureaus multiple times and with them requesting all the proper documentation but have not ever received anything other then my disputes are verified with no explanation or resolution.
Product: Checking or savings account

On XX/XX/XXXX I contacted them about a transaction I noticed that took place on XX/XX/XXXX in the amount of {$45.00}. I had already contacted the merchant to find out what this charge was for? They told me that they did not have a charge on my account for that amount. They suggested I call my banking institution for a transaction/ID number so they could find it that way. I did get the number from them to provide to the merchant who then advised me to file an unauthorized use charge and that was not even like the transaction numbers they would have used. It was fraudulent that they have not received any payment in their system in that amount from that debit card or account and routing number whatsoever. Immediately I called them back to file unauthorized transaction and I answered all of their questions. No on had use of my card, no one has my pin number, my card was not lost or stolen, and I had possession of the card during that time as well as I still had possession of that card and I have never written my pin number down anywhere. I was told that it could take up.to 90 days for the investigation to be completed but not to worry that It usually only takes a week or so and they are mailing me a new card. I heard from the dispute team via email within a couple of days that they are denying my claim based on my answers to their questions and their findings from their investigation and from the merchant and I could request a copy of their documents supporting their decision. I have called them and chatted with them and to no avail have I received those documents or anyone that I was told would get back to me. I asked why my claim was denied and been told they don't know they will have someone call me and the next time I try there is no documentation that I have spoken to someone about this and waiting a call back. I've asked for the documents several times. I've contacted the merchant and they say that they have not been contacted by anyone other then myself about that transaction. I use this merchant frequently. Also when you look at the transaction ot doesn't even look the same as the rest of them do. If this case was infact investigated then they would know these things. But they do not. It's clear case of someone else used that merchant to make a fake transaction for whatever their purpose was bc the merchant doesn't even have those funds showing a purchase period in that amount with any of my information. The funds left my account and went somewhere but it wasn't to anything I purchased or anything someone else purchased from the merchant that it says. I would like to have my money back and know why I am being lied to and not contacted back with their supporting documents that proves it was my charge and it was investigated.
Product: Checking or savings account

Bank of America and the over drafts fees were at totaling over {$500.00}, I was out and had some bills on autopay.
Product: Credit reporting or other personal consumer reports

Amazon/Synchrony . XXXX XXXX XXXX XXXXPlease remove Those. It XXXX  my self that applied.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of certain accounts being reported on my credit file. Specifically, these accounts are inaccurately listed as included in bankruptcy and reflecting late payments. I vehemently deny these claims, and I demand that these inaccuracies be thoroughly investigated and promptly corrected. The accounts in question have been reported erroneously, and their continued presence on my credit report is not only misleading but also unjustly harmful to my creditworthiness. These errors demonstrate a failure in the credit bureaus process of verifying and reporting accurate information.

I must question the credibility and rigor of your investigation procedures : 1.Verification Process : What steps were taken to verify the accuracy of the information reported by creditors?

Were proper documentation and evidence provided by the creditors to substantiate their claims?

2.Adherence to the Fair Credit Reporting Act ( FCRA ) : The FCRA requires credit bureaus to ensure maximum possible accuracy in credit reporting. Why, then, has incorrect information persisted on my report despite my dispute?

3.Failure to Investigate Fully : The continued reporting of these inaccuracies suggests that the credit bureaus are either relying solely on creditors unverified claims or failing to conduct a thorough and independent investigation as required by law.

These deficiencies in your investigation procedures undermine the trust and reliability that consumers expect from credit reporting agencies. I urge you to demonstrate transparency and accountability in addressing this matter.

I request the following immediate actions : Removal of Erroneous Information : All accounts inaccurately listed as included in bankruptcy or having late payments must be corrected or removed from my credit file.

Detailed Explanation of Investigation : Provide a written explanation detailing the steps you have taken to investigate my dispute, including the evidence reviewed and the criteria used to validate the accounts.

Written Confirmation of Corrections : Once corrections have been made, please provide written confirmation that my credit report has been updated to reflect accurate information. 

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

It appears that my credit file has been compromised when I sent Bureaus Letter last XX/XX/XXXX, XXXXAgain, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The disputed items do not belong tome. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. XXXX XXXX XXXX XXXX, NC XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$13000.00XXXX XXXX XXXXXX/XX/2022 If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Bank account or service

A deposit that was made in precisely the manner we were instructed by US Bank when the check is not written to me, the account holder. US Bank reversed the deposit of {$7200.00} claiming that it was not done so XXXX their procedures, which is a false statement as this is precisely how I deposited another check written to my wife, which she signed over to me and I deposited in precisely be same manner just days later. US Bank charged our account excessive overdraft fees forcing our account nearly {$500.00} negative. The account was able to be brought back into positive standing when my paycheck was deposited less the amount in overdraft. US Bank made no intentions to notify us that the deposit was returned and allowed transactions to post to the account and subsequently continued doing so when they returned the deposit. Since then, our balance has been further reduced and we are again in overdraft due to excessive overdraft fees of over {$200.00} in sum on top of the amount they allowed transactions to post to the account. This is firstly related to the reverse of the deposit we made and US Bank and their CEO have failed to address and or rectify the situation whatsoever. This violates the consumer trust and does little more than to create profits to this bank whereby any accounts that become overdrawn are subject to excessive penalties and fees charged multiple times in the same day. This has got to stop and my wife and I currently hold our mortgage, a credit card account and our checking account. This deposit would have helped us establish a savings account whereby we could manage our finances easier in light of the hardships we are already facing. As a former employee of US Bank, I am disgusted at the way the bank had handled and addressed the entire matter and the treatment we have recieved. I maintain the screenshots of the transactions showing all of this to be true and ask that US Bank be fined for their excessive overdraft penalties and return the entire sum of the current overdraft status and previous overdraft status to my account and allow me up to 90 days to open a new account with another financial institution. Whereby the only remaining accounts we will maintain is the credit card account and mortgage. We will no longer do our personal finances with US Bank and we will advise against them directly due to these actions. I am utterly disappointed in XXXX XXXX for allowing this bank to treat a military veteran, former employee and long time consumer in this manner and for allowing the bank to fail to live up to its advertisement of commitment to the consumer. A simple call in regard to this deposit would have quickly and easily allowed these actions to not occur.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. XXXX XXXX, XXXX XXXX and XXXX XXXX  XXXX has fraudulent accounts on my credit profile that need to be removed immediately.
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 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, and I seek appropriate redress for these violations.
Product: Debt collection

Asset Acceptance is a fraudulent company that has bought consumer information and falsely reports incorrect information to the credit bureaus. The number listed is for Midland Funding. When calling the number listed, Midland Funding states that they have bought Asset Acceptance and they do n't show an account matching my social and name. Asset Acceptance has several numbers that goes to a voicemail and ask you to leave a message. The one time I did reach a live person, they said the computers are down. They do n't have a physical address only a PO Box . I have NEVER received any correspondence via mail. The only contact has always been reporting on my credit and my efforts to track this company down. This company is a nightmare. I need to get this resolved and removed off my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Equifax has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these account were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Money transfer, virtual currency, or money service

XX/XX/2023 I used my venmo card when I checked in at pechanga hotel for the {$100.00} deposit for incidental. That {$100.00}, can also be use towards in room charges. I checked out on the XXXX, and per pechanga hotel, they released the hold on the same day and sent venmo the final bill which is only for {$32.00}. Where that should have been processed and posted by venmo on the XXXX and release the rest of my funds as well. However that's not the case. Up to now they still haven't processed the {$32.00}, in which one of their customer service verified that they're already showing it ad being received on their end, but she doesn't know why it hasn't been processed and my funds are still on hold. So she transferred me to another debt. The lady I spoke with told me that it can take up to 12 days for them to process that and the funds won't be released until its processed. I asked her, even they already received the final bill? It takes that long? That's a no brainer. I Told her that it is a scam, that we all know that it would only take one business day to process the transaction. Or at least that's the usual banking standard time frame. And I won't take that long. I mean, yes, I get it that it can take. Thirty days for them to hold on the funds if there's no final bill from the company that sent the authorization. However, my case is different since the company have sent them the actual bill of the final bill. And yet they're still holding on my funds. This is not fair for the consumers. Are they paying us interest for the time being they have our money? No. I think these company such as venmo should have a reasonable time framed aligned with most financial institutions in this country so that they won't abuse their customers and their money.
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 ( CLOSED ) : # XXXXXXXX XXXX XXXX XXXX XXXX ( CLOSED ) : # XXXX, XXXX XXXX  & XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( CLOSED XXXX XXXX # XXXX XXXX XXXX XXXX XXXXXXXX XXXX GA ) XXXX ( CLOSED ) : 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. 1681B ( 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: Checking or savings account

Beginning on XX/XX/2024, {$9800.00} was first fraudulently withdrawn from my Marcus account and transferred to a XXXX account which is not mine. Subsequently, an additional {$100.00} was transferred from my Marcus account on XX/XX/XXXX and sent to an XXXX account which is not mine. I identified the issue on XX/XX/XXXX and immediately contacted all parties to have the funds returned to my Marcus account which has not yet occurred.
Product: Debt collection

Midland Credit Management in XXXX, MI XXXX, entered a judgment in XXXX XXXX. Although they were informed that this was not my debt, it did not stop them from filing a court proceeding to collect a sum of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account below is not my account. I DID NOT open this account this is fraud and NOT my account. 

XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {XXXX} written off. {XXXX  past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {XXXX Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit {XXXX} Highest balance {XXXX} Terms I would like for them to remove immediately it is hurting my ability to obtain credit. 

Thank you-