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

On XX/XX/2021 Wells Fargo Bank deposited {$220.00} into my account without my knowledge or permission. I discovered this when I saw a withdrawal from my account on XX/XX/XXXX by the bank for said amount. Their reasoning is that it was a executive decision because my account had a negative balance ( pending my Stimulus payment. I advised the bank to reverse the funds back into my account as this would only create more overdraft fees. I explained that this was all done without my permission and they had no right to mess with my personal account. The practice is to charge me a fee, not to put money into my account. Also asked how they would know if I was receiving a Stimulus payment, and what right did they have to create transactions based on a pending Stimulus payment, especially since that payment was going to my XXXX XXXX  account and not Wells Fargo. What right does a bank have to take such unprecedented actions? I feel that the funds be reversed to my account, and any overdraft fees resulting from this action be returned. I find the banks actions not appropriate and illegal. The bank refused to reverse the funds. Another case was opened with no guarantees.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my OTHER 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 accounts 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 accounts XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$0.00} U S DEPT OF EDXXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1700.00} U S DEPT OF EDXXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$3000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agency failed in completing an investigation for incorrect accounts on my credit report. They failed to do nothing and according to the FCRA inaccurate reporting on a credit report needs to be removed because its violating the FCRA laws.

FCRA section 807 violation. Misleading false reporting. Remove accounts immediately. This account is reporting a past due amount. I don't know what this is. Remove immediately. Late payments are being reported after the account was charged off. This is a FCRA violation and you can be fined upto {$1000.00}. Remove immediately. 

In accordance with the Fair Credit Reporting act. These accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under the 15 USC 1692C
Product: Credit reporting, credit repair services, or other personal consumer reports

Cc : Consumer Financial Protection Bureau https : XXXX/www.consumerfinance.gov/complaint/ CC : Federal Trade Commission https : //reportfraud.ftc.gov/ # / CC : Office of the Comptroller of the Currency https : //appsec.helpwithmybank.gov/olcc_form/ CC : New York Attorney General Office https : //ag.ny.gov/complaint-forms I agent XXXX XXXX XXXX XXXX to the principal, XXXX XXXX, sent you a letter : document dated XX/XX/2022 to remove charge offs for accounts listed below : XXXX XXXX : XXXX  XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : You, credit reporting agency, sent a response saying that the accounts were verified . 

Pursuant to 15 USC 1681 ( i ) I agent, XXXX : XXXX, am expressing my consumer rights by demanding a description of the procedure of reinvestigation. In addition, I demand the answers the following questions : What was your method of verification? 
Who did you interview ( neighbor, family members and/or etc ) and what is the contact information ( phone number, email and/or etc ) and what was the interview date? 

Pursuant to 15 USC 1681, you have 15 days upon letter received to provide the demands stated above.

With Regards, XXXX : XXXX/consumer/natural person yes, in fact, i am the consumer pursuant to 15usc1692a3 all rights retained.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair Credit Reporting act XXXXXXXX Account XXXX XXXXXXXX violated my rights 15 U.S.C 1681 section 602 A State I have the right to privacy 15 U.S.C 1681 Section 604 A section 2.It Also stats a consumer reporting agency can not furnish a account without my written instructions Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted court documentation signed by a judge in the state of Michigan for over 2 years now. I have submitted disputes for over 2 years however, the information is never properly updated nor is it removed. 

The legal court document states that the company requested a dismissal in a judgement against me and the courts granted the dismissal. However, the account information is still being negatively reported on my account when I do not owe any money to the company.
Product: Checking or savings account

Chime bank suddenly closed all of my accounts and wont give me a straightforward answer as to why
Product: Credit card or prepaid card

XXXX XXXXe using comenity bank charged for membership fees I did not authorize. I never opend account with comenity bank. I was told XXXX would credit account 3 times but I'm still getting statements for membership and late fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

due to being at mercy of negative, deceptive fraudulent charges that were not mine, but preventing from being approved for an apartment, I was forced to pay XXXX XXXX XXXX. 

Account is paid in full and closed, please adjust asap please on all 3 credit bureaus XXXX transunion and XXXX
Product: Credit reporting or other personal consumer reports

I came back from being XXXX in XXXX for about 10 months to find that when I would try to apply for apartments I would constantly get denied although I thought my credit report was locked, I spent over {$900.00} consistently putting in application after application and I was ultimately denied, I have tried to dispute some of these negative items with TransUnion but was unsuccessful, During my XXXX there was a strange glitch In the TransUnion app in XXXX showing that I was consumer deceased making my credit score drop to XXXX everything was deleted from my report then refurnished without me being notified certified mail which ruined my credit further. In turn losing my XXXX XXXX to keep my job as a XXXX XXXX in the XXXX I will be terminated as of XX/XX/2024 XX/XX/2024
Product: Credit reporting or other personal consumer reports

" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. ( NAME OF THE COMPANY ) This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency ( NAME OF THE COMPANY ) name liable for damages of at least {$XXXX} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''
Product: Credit reporting or other personal consumer reports

Original Creditor : XXXXXXXX XXXX Current Holder of the Debt : XXXX XXXX XXXX Account Type : Debt Buyer Date Opened : XX/XX/2024 Status as of Last Update : Collection account, {$760.00} past due as of XX/XX/2024 Status Updated : XX/XX/2024 Balance as of Last Update : {$760.00} Balance Updated : XX/XX/2024 Original Balance : {$760.00} Terms : 1 Month Responsibility : Individual Details of the Incident : The account with XXXX XXXX was transferred to XXXX XXXX XXXX and is now reported as a collection account with a balance of {$760.00}, which was past due as of XX/XX/2024. The balance was first reported and has remained at {$760.00} since the account was opened on XX/XX/2024. No monthly payments were set up, as the terms indicated a one-time resolution in 1 month. 

Actions Taken by the Company : As of the last update in XX/XX/2024, XXXX XXXX XXXX has not provided any detailed statements or communications explaining the basis of the debt, nor have there been any attempts to negotiate or settle the debt prior to moving it to collections status. 

Actions Taken by Me : Upon noticing the collections entry on my credit report, I immediately sought to verify the details of the debt, as no prior communications or billing statements were received before the account was marked as in collections. I have yet to receive any response or documentation that validates the debt. 

Requested Action : I am seeking a thorough investigation into this matter, including the provision of all relevant documents pertaining to the debt and its transfer from XXXXXXXX XXXX  to XXXX XXXX XXXX. If the debt can not be validated, or if prior notification requirements were not met, I request the immediate removal of the collections entry from my credit report, and a formal acknowledgment of this correction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a CITI card. They stated that THEY WOULD NOT PERFORM A HARD CREDIT CHECK it would be soft, looked at my credit report today XX/XX/18 and it had already shown up that XXXX had performed a hard credit check. I want it removed from my credit report as I DID NOT AUTHORIZE THIS!
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, I was recently denied the ability to open a bank savings account. Early Warning advised me on XX/XX/XXXX ( copy attached to complaint ) that " the status of the relationship with the inquiring bank '' was the negative factor affecting something they described as my " Deposit Account Score ''. It has come to my attention that reports indicate that in XXXX Early Warning agreed to pay nearly XXXX XXXX dollars for violating the Fair Credit Reporting Act in how they respond to consumer file requests. I write CFPB to complain that Early Warning fails to define what their terminology " the status of the relationship with the inquiring bank '' means in plain English, and also request to know if Early Warning has issued a fraud alert on me. It is my understanding that Early Warning improperly failed to inform consumers requesting their Early Warning Deposit Account Score that fraud alerts were on their accounts, leaving them in limbo trying to correct their financial reports.
Product: Credit reporting or other personal consumer reports

This is to follow up regarding the ongoing issue regarding late open accounts on my credit report and express my frustration with the multiple unsuccessful attempts to have them correctedmoved. Despite numerous efforts on my part, the inaccuracies persist, causing significant distress and damage to my financial standing. Since discovering the late open accounts on my credit report, I have diligently followed the prescribed procedures outlined by your agency to rectify these issues. I have submitted formal disputes, provided supporting documentation, and cooperated fully with your investigation process. However, despite my persistent efforts, the inaccuracies remain unresolved. The presence of these inaccuracies not only undermines the accuracy and integrity of my credit report but also poses a serious threat to my financial stability. As a responsible consumer, I find it unacceptable to be unfairly penalized for inaccuracies that do not accurately reflect my credit behavior. Furthermore, the lack of progress and communication regarding the status of my disputes has further exacerbated my frustration and eroded my trust in your agency. I have not received any updates or explanations regarding the reasons for the repeated failure to correct these inaccuracies, leaving me feeling disregarded and powerless in protecting my financial interests. I demand immediate and effective action to thoroughly investigate and rectify these situations by expediting the correction of the late open accounts. Please help me correct these late open accounts immediately : XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$6100.00} ; XXXX XXXX XXXX Balance Owed : {$1100.00}.
Product: Debt collection

Hello, There was a past medical bill at XXXX Hospital in Pennsylvania for the amount of {$370.00}. I spoke to them a while ago and it was taken of my credit report since the insurance paid it. 

Now they sold this debt which was paid off already to Commonwealth Financial. I never received a letter from them, I was not even able to ask for verification of debt. I spoke to them and they were really rude said they sent one letter to an address which I do not live in. Tried to explain the situation and did not listen. 

They said the treatment was done on XX/XX/2015. I told them it was paid in full by the insurance company and they said I had to pay them or legal actions would go against me. 

I let them know the statue of limitation for medical debt in the state of Pennsylvania is 4 years. They said the do not go by the statue limitation and either I pay or they will take me to court. Please help me resolve this problem Name of the company : Commonwealth Financial Address : XXXX XXXX XXXX, XXXX XXXX, Pa XXXX Phone Number : XXXX
Product: Credit card or prepaid card

I received an offer in the mail for a platinum  card from Amex. I held a basic credit card with them and thinking because of my good record with that  card they were offering me this platinum card. I applied and was accepted and a card sent to me in the post. Only after using the card and receiving their bills did I query why they were charging me the full amount of cash used rather than a portion, how other card operated. They then advised me that oh no this card is a pay all card whatever you use you pay off at next billing cycle. They the advised the it 's in the " small print '' so this is not a credit card after all. At this time I had already committed to purchase a bicycle from   XXXX   XXXX  . A deposit was paid and could not be reversed. This card is a dangerous card.
Product: Checking or savings account

TD enrolled me into their discretionary overdraft program without my consent and then displayed my transactions online/in their app in a different order then they are posted making it impossible for me to keep track of. 

XXXX XXXX XX/XX/20 XXXX, I was charged {$170.00} in fees, but my balance was only - {$170.00}. If my balance was displayed properly I could have avoided the issue. Also, TD posted the transactions in a way that benefited them and my balance should be {$2.00}, not XXXX XXXX. 

I attempted to resolve the matter over the phone, but they were only willing to credit a portion of the egregious fees that I did not consent to incur. They were also unable/unwilling to provide me proof that I actually signed a contract with them agreeing to said fees.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ). 

Please remove these unverified and incomplete items listed below : 1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXXXXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current. 
4. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current. 
5. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX Account Number : XXXX Please remove it from my credit report. 
6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I am filing this FTC Idenity Theft Affidavit to report 5 seperate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a personal credit card accounts ; XXXX XXXX XX/XX/XXXX in the amount of {$0.00}, XXXX XX/XX/XXXX in the amount of {$0.00}, XXXX XX/XX/XXXX in the amount of {$720.00} in account with XXXX XXXX XX/XX/XXXX in the amount of {$990.00}, XXXX XXXX XX/XX/XXXX in the amount of {$1900.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Mortgage

My payment has changed 3 times in the last 4 months the company I 'm I am currently with capital mortgage services has escrow analysis on my account in correctly multiple times the previous loan servicer I was with  XXXX  all is now dissolve company and no longer exist they put on   XXXX   XXXX   insurance and did not update my house insurance policy therefore the insurance was {$2600.00} a year now they will not give me any refund they have took all the money out of my escrow and they are changing my payment and charge me  XXXX  more dollars that my payment was before I need your help please
Product: Credit card or prepaid card

American Express close my personal credit card and two of my business credit cards without any notice. Ive been battling XXXX for the last year and receiving XXXX treatment. I was incapacitated to keep track of my finances at that time. My former accountant did not stay up on my finances at all. In fact, I had to close a few bank accounts to sue fraudulent activity from my former accountant. I was numerously harassed by American Express with constant calls every single day. They closed my accounts and provided no reason as to why. Now that I am in a better health situation I told them my financial affairs are in order. But they still moves forward and close my account without notice and/or my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

These credit bureaus have been notified XXXX times prior to me notifying you, but I do not work for XXXX XXXX and I am self employed, My company is not XXXX XXXX but neither one of these are allowed to be on the report and these must be removed. 

I own " XXXX XXXX XXXX XXXX '' This is the only name that will be allowed to be displayed on the credit report. 
I Started this company XX/XX/ XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

I am writing formally to express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect customers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.