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

Saturday ( XX/XX/22 ) I went to a local Truist Bank branch to get a cashier 's check to pay my taxes. I noticed that the check was made payable to the IRS when the instructions form I brought with me to the counter stated that the US Treasury should be the recipient. I asked that the check be re-issued. The cashier told me, in real time, that the check would be cancelled, re-deposited, re-withdrawn and then a cashier 's check would be issued. 

None of that actually occurred, and instead the account was double-drawn and therefore my line of credit was activated as well as overdraft fees assessed to my account. I did not notice this error until Wednesday ( XX/XX/22 ). I called and spoke to several members of the staff at the same local branch. One of whom, XXXX, was adamant that no accommodations or assistance would be offered to me nor would my line of credit activations be reversed. I then asked to speak to a supervisor and received the branch manager, XXXX. The branch manager was a bit more helpful in reversing the overdraft fees. She told me that the line of credits would be reversed as well as the check amount ( {$1100.00} ) be credited back to my account most likely by the next day. 

As of XXXX. local time no check refund / credit has been issued to the account ( not even pending ) and the line of credit transfers are still present in my account ( s ). 

I was forced to make a minimum payment to one of my creditors, XXXX, yesterday in the amount of {$29.00} because I did not have access to my fully entitled funds ( {$1100.00} ) that I would be normally paying my bills with. As a result, I am accruing interest on unpaid balance ( s ) as of today for that. In additon, the refunded overdraft fees totalling {$25.00} are less than the minimum payment ( {$29.00} ) that I made. As a result, I expect more overdraft fees and further activation of my line of credit which is unnecessary, since I should just get the double-drawn check amount ( {$1100.00} ) credited and/or deposited back in to my account. 

I attempted today ( XX/XX/22 ) to speak directly with XXXX again but after 20 minutes on hold decided I may try their corporate customer service. After 10 minutes of completely wasting my time and no help from corporate customer service, I attempted to contact XXXX at the local branch again. This time I reached XXXX ( again, the most unhelpful member of their banking services team with my issues ) and requested a call back from XXXX, which I have yet to receive.
Product: Checking or savings account

Money was overdrawn from my account which is incorrect. Wells Fargo Representative/ Supervisor XXXX XXXX informed me on a recorded line that they can put your account in the negatives with their desecration whenever they get ready and feel like it
Product: Credit card

Think the interest was way too high and it seems like I've been paying paying and it just doesn't seem to get paid off. So they need to do something about this. Ridiculous
Product: Debt collection

I sent several dispute letters requesting proof of credit debt such as the original contract with signature or letter was sent in XX/XX/year> they are still reporting negative on my credit reports. They actually report different amounts owed on each credit bureau
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXXXXXX Balance : {$3400.00} XXXX XXXX Balance : {$3400.00} XXXX XXXXXXXX Balance : {$3400.00}
Product: Credit reporting or other personal consumer reports

I am writing to cfpb to address concerns that my credit report is being falsely reported. Your failure to verify these accounts has hurt my ability to obtain credit. Under FCRA rules failure to remove these accounts is violating my consumer rights. 

Under 15 US Code 1681b Permissible purposes of consumer reports I never gave permission for these collection accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Delete these accounts immediately! 

Furthermore, I am a victim of identity theft. Can you delete these accounts and send me an update? 

Lastly, late payments or derogatory statuses is a direct violation of FCRA XXXX I am requesting the deletions of the late payments for : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which have been deferred. 

Respectfully, XXXX XXXX
Product: Credit reporting

i can a XXXX buerue credit report through XXXX and noticed that XXXX and XXXX accurately reported while experian had somehow merged somonelses info onto my report causing my fico score to drop XXXX points on experian. we are trying to buy a first time home please help. 

XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2020 I made a payment to Tjmaxx Credit card in which I accidentally selected the wrong account to be paid from. This payment was the third payment I was making that month on the account so {$0.00} minimum payment was actually due at the time. I also paid on XX/XX/2020 {$64.00} XX/XX/2020 {$100.00} and XX/XX/2020 {$30.00} they told me that they closed my account due to lack of payment which is a false statement as I pay 3 times a month. No contact was made with me dispite the claims of their customer service representative and I feel this is wrong as this os going on my credit report as '' CLOSED DUE TO LACK OF PAYMENT '' Many people are suffering at the hands of this company and something should be done about it. So please read XXXX  complaints and Customer Affairs they are ruining the credit of many of people that do not deserve it including myself which I have worked hard to restore
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXXXXXX XXXX XXXX, Account # XXXXXXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  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: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, someone fraudulently used my XXXX credit card ( issued/managed by XXXX XXXX   ) to purchase what appears to be the same item in span of a few days from a store or an online order in New Jersey. I live in XXXX, FL and have not been in that other state. Because I have not used this credit card in years there was no balance, upon this charges occurred statement were sent to wrong address so did not reach me. After a few months XXXX/XXXX  contact me via phone to let me know the balance for those transactions in XXXX, which were overdue, I immediately reported those were fraudulent charges and file the corresponding information to initiate a fraud investigation. When I reached the credit report entities Experian and XXXX  to report fraud, I noticed the negative reporting on my credit report, I have never being late in any outstanding credit account now or ever. I filed a dispute, both entities closed the investigation indicating that my dispute was validated with credit issuer ( XXXX ) but the late payment will remain. The account with was closed and balance removed was not late because I was not responsible for these fraudulent charges. However, despite various attempt to remove the delinquent or missed payments notes on my credit report, Experian and XXXX  has not cleared that from my credit report record, which has a significant impact in me credit score.
Product: Credit reporting or other personal consumer reports

I am disputing the inaccurate reporting of a XXXX account on my credit report by Experian. The inaccurate reporting began when I noticed the charge-off status and past-due balance being listed on my credit report. This issue has persisted, and I believe the negative updates are incorrect. account is listed as charged-off, but a past-due balance of {$2800.00} is incorrectly reported. Additionally, there are 16 consecutive months of negative info updated every month, which I believe is a violation of the Fair Credit Reporting Act.The company involved in this issue is Experian, which is the consumer reporting agency responsible for reporting the inaccurate information. The furnisher of the incorrect information is XXXX.The inaccurate reporting has negatively affected my credit score and may hinder my ability to obtain credit or secure favorable interest rates. This has cost me employment opportunities It has caused distress and financial inconvenience for me and my young family.
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 practice. Which violated the consumer financial protective 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 unprotective. Furthermore., their dispute resolution process was unfair and deceptive, as they did not comply with errors resolution requirement that is under electronics funds transfer act. ( EFTA ) regulation E. These actions has caused. Significant. Inconvenience. and financial loss. And I see appropriate. Redress for these violations.
Product: Credit card or prepaid card

About month ago I got a notification from XXXX XXXX asking if an account was correct. An account was opened for a XXXX credit card and was late making payments. Account limit was about {$400.00} but only {$290.00} was actually used. Account was opened in XX/XX/XXXX. I dsputed account with XXXX XXXX and it was removed, but I also contacted XXXX, they sent me a letter how to properly dispute account which brought me to this site.
Product: Credit reporting or other personal consumer reports

I am filing a claim complaint with the CFB regarding XXXX  did not properly investigate disputes and fails to remove or reinserts disputes, error on reports in timely manner using a credit consultant and wrong information on my report. They did not properly investigate or follow up credit advisors. With this when my credit was access it result in not being approved.

Withholding and not properly reporting my information to different consumer.
Product: Debt collection

I already took care of what the credit card company wants in return. So tell this XXXX collection job company of what they are trying to do which is collection fee 's interest. I already took care of what needs to be done. It's been taken care for about a year already. Back off I'm taking care of it already for a year now. The debit is to capital one not collection I was told to take care of it before it went to collection and I did so take them off my credit report and stop mailing me fraudulent letters seriously.
Product: Payday loan, title loan, or personal loan

ON XX/XX/2022, I SENT IN MY FTC DOCS AND DISPUTED THIS ITEM BUT THEY SAID ITS MINE BUT I REQUESTED THE PROOF AND VALID INFORMATION THAT SHOWS THAT THIS IS MINE BUT NO ANSWER.
Product: Debt collection

I am a cosigner, when I told the company they harass with calls they said they can call me up to 8 times a day. I am receiving these calls while I am working.
Product: Credit reporting or other personal consumer reports

I am a victim of the Equifax data breach, where my personal informationalong with millions of otherswas compromised. These accounts need to be removed immediately as they are defaming my character and damaging my creditworthiness. Ive repeatedly disputed these accounts, but Equifax continues to focus on requesting my personal information, despite their track record of mishandling sensitive data. As part of the millions of Americans wronged by their negligence, I refuse to be victimized again.

These accounts are a violation of my rights under the Fair Credit Reporting Act, 15 USC 1681 602 ( right to privacy ), 604 ( a ) ( 2 ) ( requiring my written consent to report account info ), and 15 USC 1666b ( payments on open-end credit accounts can not be marked late ). I demand immediate removal of these items from my report. The stress and health issues Ive endured while fighting these errors have been exacerbated by XXXX failure to ensure proper security. I, as a consumer, have a right to accurate reporting and expect immediate resolution.
Product: Debt collection

HELLO MY NAME IS XXXX XXXX AND IVE BEEN ATTEMPTING TO TRY AND RESOLVE THIS MATTER WITH THE STARK COLLECTION AGENCY. PLEASE READ THE FOLLOWING NOTICE THOROUGHLY AND CAREFULLY BEFORE RESPONDING. IT IS A NOTICE. IT INFORMS YOU. IT MEANS WHAT IT SAYS. FOR THESE REASONS IT IS RECOMMENDED THAT YOU CAREFULLY CONSIDER THIS NOTICE AND RESPOND IN SUBSTANCE, WHICH MEANS ACTUALLY ADDRESSING THE POINTS RAISED HEREIN.
Product: Debt collection

Please see attached regarding Midland Credit Managment 's illegal practices.
Product: Money transfer, virtual currency, or money service

I am writing to address an issue I encountered with Zelle transactions over the past three years. Specifically, I used Zelle at two banks during this period : XXXX and XXXX XXXX XXXX XXXX. During this time, I made several errors while sending money to both companies and individuals using Zelle. At that time, there was no clear warning informing me that once I pressed " send, '' the transaction would be irreversible, and there was no warning to those who used Zelle that their funds would not be recovered if sent in error. 

It has come to my attention that Zelle now has a warning system letting those aware of the transaction that explicitly states that money sent via Zelle is non-reversible and can not be recovered if a mistake is made. While I understand that this policy is now in place, it was not present when I made these transactions, and as a result, I was not adequately informed about the irreversible nature of these transfers at the time.
Product: Debt collection

To Whom it May Concern, I am having an ongoing dilemma with a collection agency refusing to provide me original documentation of an account which they insist is accurate and one which i am certain is not mine. 
The company reporting the data is LVNV. They are constantly changing the reporting date of the account, reaffirming the debt to the bureau 's in a malicious way to impact my score and refusing to honor the dispute as outlined in the Fair Debt Collection Practices Act., which states that information under dispute must be provided from an original source so that the account can be reviewed and then disputed for accuracy. 

It has come to my attention in my research that LVNV is a debt buyer and one with a shoddy record of compliance, which makes perfect sense but leaves me no closer to a resolution with finality. I am asking for this agency to intercede on my behalf and assist me in my dispute with this debt buyer. I am requesting full information of this debt, original documentation and an affidavit where applicable. The account is not mine and it is my belief that the account is the result of a mixed file. Someone else 's file has been attached to my report in an illegal manner and by not providing the transparency to my consumer rights, I am left to pay for this mistake on their behalf. 

I understand that this agency can not act my counsel, however I respectfully request that the CFPB act as a mediator in this regard. Thank you.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to file a complaint regarding the inadequate response I received from XXXX XXXX XXXX XXXX concerning a dispute on account number XXXX, which reports a balance of {$3200.00} charged off. 

On XX/XX/XXXX, I submitted a dispute to XXXX XXXX XXXX XXXX explaining that this account was the result of identity theft and has been on my credit report for longer than seven years.

My primary concern, which was that this account has passed the seven-year mark from the date of delinquency, was not addressed in any of the correspondence I received from XXXX XXXX XXXX XXXX XXXX According to the Fair Credit Reporting Act ( FCRA ), negative information should be removed from credit reports after seven years. This account, therefore, should no longer appear on my credit report.

Despite this, the response I received only addressed the identity theft claim and falsely validated the account without providing any evidence to support their claim. 


Furthermore, XXXX XXXX XXXX XXXX inaccurately stated that a payment was made in XXXX in the amount of {$0.00}. This statement makes no sense and appears to be a tactic to re-age the account to keep it on my credit report, which is both unfair and illegal. No payments have been made on this account, and I do not own or have access to it. 

I urge the CFPB to investigate this matter thoroughly and take appropriate action to ensure that this account is removed from my credit report as it has exceeded the seven-year limit. Additionally, please ensure that XXXX XXXX XXXX XXXX ceases the practice of re-aging accounts to extend their presence on credit reports. 

Thank you for your prompt attention to this serious matter. I look forward to your swift resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th 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 XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$1200.00} XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$5500.00} XXXX XXXX XXXX XXXX ) XXXX Balance : {$80.00} ( Original Creditor : ) XXXX Balance : {$650.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent certified letters to XXXX for two accounts listed on my credit profile. I mentioned that both the accounts werent mine. I also mentioned that the accounts seemed to be fraudulent erroneous and I sent in documents to present to show and the account was removed but following the next couple days the accounts were listed onto my credit profile. I believe that is completely violating my rights as a consumer and that could place this company or companies in jail for consequences of breaking and violating the law. I can show you how the company violated my rights. The account was placed on my account without my acknowledgment, I wasnt contacted by XXXX, XXXX nor any collections company. I stated and sent in certified verifying documents. You have now violated my rights through the FCRA the debt buyer or CRA have failed to comply with its obligations, I am able to sue for violations of the FCRA. I will be filing a lawsuit looking to get actual damages, punitive damages, and attorneys ' fees and costs of {$1000.00} per item. This is not a threat this is malpractice and violating my rights as a consumer through the FCRA and this matter will be taken up in court. I am only an intern dispute allowing less than 3 days for this matter to be completely and permanently removed and resolved. If you attempt to continue reposting these accounts I will be sure to contact law enforcement authorities, contact my attorney generals office, file more than one lawsuit. The two accounts that were listed and dates incorrectly stating that the account was opened in XX/XX/XXXX and in XX/XX/XXXX and it was recently removed. I pay close attention to my consumer report and I receive alerts on my credit file and keep up to date to assure fools like you guys arent trying to dismantle my life placing erroneous debt on my credit file to make my life a living XXXX. I will be sure to place this online so that consumers are able to view this via online. I will also be filing a complaint as well. XXXX XXXX XXXX  XXXX, was changed to XXXX XXXX. It was placed on my credit by the same collections company and that is a violations. Look at the dates it was removed and how quickly this account was placed back onto my credit profile. Well lets put it this way, this seems like a criminal act upon the credit bureaus and collections company. There was never a document sent to me to verify XXXX. I kindly ask for any documents bearing my signature a few months ago. Youre also violating my rights within the HIPPA laws as well.
Product: Money transfer, virtual currency, or money service

I attempted to purchase an airline ticket using my Paypal account on XX/XX/XXXX. I didn't have the proper funds when Paypal attempted to withdraw money from my bank. I called my bank ( XXXX ) once I discovered the problem to cancel the payment to Paypal which they have done successfully. Paypal is still holding me accountable for the funds and I have a negative balance according to them. I have attempted to contact XXXX XXXX  via phone as well through email and haven't talked to a single person due to long wait times. I do not have a reference number or booking number with XXXX XXXX, never received confirmation that I have a ticket through them. I am still waiting to hear from XXXX XXXX  regarding reference number/booking with my most recent email on XX/XX/XXXX. In the meantime, paypal is still requiring me to pay the negative balance. I have asked my bank for assistance and they have informed me I have done everything right from their end.
Product: Credit reporting or other personal consumer reports

PLEASE HELP ME CORRECT MY Address and FULL NAME AND LAST Name AND PERSONAL ADDRESS AND REMOVE THESE LATE PAYMENTS PLEASE. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  THIS INQUIRY HAS BEEN 2 YEARS OLD NEEDS TO BE DELETED.

15 U.S. Code 1666b states that a creditor can not treat a payment on a credit card account as late unless they have taken reasonable steps to ensure that the consumer receives their periodic statement at least 21 days before the payment is due. The statement must include the information required by section 1637 ( b ) of this title.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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

Ive pulled my credit report on both your websites, XXXX, XXXX and Equifax have found some inaccurate information that requires removal. 

XXXX # XXXX is reporting on Equifax credit report 60 days late for XX/XX/2022, XX/XX/2022 and XX/XX/2022. For XXXX and XXXX, it is reporting 30 days late for XX/XX/2022, XX/XX/2022 and XX/XX/2022.