23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX {$1200.00} Acct XXXX XXXX XXXX {$280.00} acct # XXXX In accordance with the Fair Credit Reporting act XXXX  Account ( XXXX XXXX XXXX XXXX XXXX XXXX  violated my rights 15 U.S.C 1681 section 602 A. States that 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
Product: Credit reporting or other personal consumer reports

I am formally disputing the following late payment entries on my credit report : XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$160.00} XXXX XXXX XX/XX/XXXX {$0.00} These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.
Product: Checking or savings account

On Tuesday the XXXX of XXXX I received my monthly income via direct deposit. I paid a few bills that I can pay online. At around XXXX I tried to order some stuff for delivery from a local grocery store and was alerted that something was wrong with my card. I went over to my bank account and over half of my income was gone via 3 transactions that I had nothing to do with. There was a charge for XXXX dollars at XXXX. One for XXXX dollars at XXXX and then a final one for XXXX at XXXX. I immediately contacted Current XXXX my now former bank ) to file a dispute and figure out what happened. A few hours later I got an email from them saying they closed the account that stole the money ( it was an account to account transfer thing ) and found XXXX in the account that was immediately being sent to my account. I reached out to customer service again to ask if the dispute was still active or if they were only giving me XXXX when I had XXXX stolen. They said the dispute was closed and that I needed to appeal the decision. So I did. They responded with the following in an email to me ( names have been shortened to first initial for privacy ) : W ( Current ) XX/XX/2021, XXXX XXXX EDT Hi A, Thank you for the follow-up. 

Based on the facts of the investigation, weve concluded that no error occurred. 

Per the investigation : We would never reach out for 2FA or login credentials.

While we understand this may be frustrating, unfortunately, the outcome of the investigation is final. Please note we take our dispute claims very seriously and investigate them to the fullest extent possible. We apologize if the result of the investigation was not in your favor. Let us know if we can assist with any additional questions or concerns you may have.

The Current Disputes Team I never gave out a 2fa code. I know better. Also this was almost devastating, not frustrating as the person in the email put it. I was able to borrow money from friends so I can pay the rest of my bills and my rent. So Im stuck here XXXX in the hole because someone hacked into my account and transferred my money to someone else. I have filed a police complaint and sent current a follow up to the email I posted above. Ive also reached out on XXXX and gotten no where. Please help. Im a single mom and both my daughter and I are XXXX.
Product: Debt collection

debt collection abuse threats said they would sue me for a debt that was paid in XXXX reposes car only gave me 1 hour to pay lien on my house they use many phone numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  a third party collections agency account number XXXX is reporting inaccurate data violating 15 USC 1692F section 808. Unfair practices by reporting the following to Transunion and XXXX : fees charged 3 to 4 times a month and a past due balance higher than the amount owed. According to the FCRA and the FDCPA 15 USC 1692F section 808 Unfair Practices : a debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. The following conduct is a violation of this section : The collection of any amount including any interest, fee, charge, or expense incidental to the principal obligation. This account was opened XX/XX/2017 by XXXX XXXX XXXX. I am an XXXX XXXX XXXX  XXXX  and they failed to report the medical visit under the proper insurance accounting code. The original balance was {$320.00} and over the last 5 years I have been trying to dispute this matter. The collections company continues to report fees to TransUnion and XXXX multiple times a month. The amount now due is {$770.00}. I would like for this item to be removed from my credit reports. Thank you for your assistance in this matter.
Product: Credit reporting or other personal consumer reports

Despite three written requests and a formal complaint, the unverified items listed still remain on my credit report in violation of Federal Law. Experian is required under the FCRA to have documentation on file to verify that this information is mine and is correct. In the results of their investigations, they stated in writing that they " verified '' that these items are being " reported correctly ''. Experian has NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ) which under Section 611 ( a ) ( 7 ) they were required to provide a description of reinvestigation procedure by no later than 15 days. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they are required to " ... promptly DELETE all information which can not be verified. '' I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed in the previous letters are not deleted immediately. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if Experian fails to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Product: Debt collection

Experian has stated on several calls to customer service on XX/XX/XXXX and XX/XX/XXXX that they have no protocol set up to be compliant with the federal law According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. They stated they have no protocol in place to comply with physical verification requests. They have filed to reponsd to previous complaint # XXXX. How can you allow them to operate in the united states if they can balantly ignore the law? Please find out what official protocol is in place for providing complaince with the FCRA Sec 609 ( a ) ( 1 ) ( A ) as required by federal law. 

Their actions are causing me undue hardship, the law states Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof. They have failed to remove the accounts. Rendering me Homeless beause of their lack of validating under the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, TX XXXX 2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report.
Product: Money transfer, virtual currency, or money service

Hello, On XX/XX/2020 I made a purchase from XXXX for a shirt and a pair of pants. 
I paid via PayPal. Since the item did not arrive and I could not reach the seller, I made a claim through PayPal on XX/XX/XXXX to get a refund of the {$51.00} I paid. ( Case ID : XXXX ) On XX/XX/XXXX, I finally received the item and PayPal closed my claim. 

The item was not at all as advertised. It was a different fabric and color. I sent a photo to PayPal with this evidence and opened a new case. Case ID : XXXX. 

PayPal opened the claim and reached out to the seller. On XX/XX/XXXX I received a request from PayPal to mail the items back and provide tracking information by XX/XX/XXXX. 

PayPal provided me with XXXX address to mail the items back to in XXXX and through the Resolution Center provided a different address that was in XXXX and XXXX. 

The shipping information on the original package was Alabama. Also, when I check XXXX now and the XXXX website, it no longer exists and the email addresses used by the company keep changing. This appears to be a fraudulent company and I kept saying this to PayPal. 

On XX/XX/XXXX I returned the item. I paid {$41.00} to ship it back to XXXX. I was surprised to receive a message on the same day from PayPal, denying my claim. I attempted to reach out to customer service, but they only have an AI chat function. I am now out {$51.00} for a product I returned and {$41.00} for shipping the item back. 

I would like for PayPal to refund the {$51.00} and the {$41.00} in extra shipping costs they required me to pay to resolve this claim. 

The entire process has been incredibly frustrating with PayPal protecting a fraudulent company for some reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

I acquired my credit report and asked the credit bureaus to check and make sure that everything was complete and accurate according to 15 USC 1681i ( 5 ) I waited and received my investigation and notice and everything was still the same on the Account name : XXXX XXXX XXXX  Account # XXXX The consumer reporting agency which is Transunion did not modify or remove anything. 

The date open is not correct, date last active is not correct and the date of last payment is not correct, also the amount owed is not correct on all three credit reports. 

Which is a violation. This is impacting me from moving forward to buying a house for my family. 

Transunion has violated my rights.
Product: Checking or savings account

My Chase account that I use for Accounts Payable clearing ( issuing checks and ACH batches ) was overdrawn this morning for about {$86000.00}. Upon review, it appears the 3 ACH batches I submitted on XXXX  both posted, but are still " pending, '' causing the account to go negative. I called Chase customer service and their ACH team let me know " we've seen this before. '' And that the account should correct itself in the morning.

My concern is that my ACH batch submitted on Monday was rejected due to insufficient funds, which appears to be a Chase error. Also, will any of the outstanding checks bounce now? This situation is very distressing.
Product: Mortgage

We experienced loss of income and many other financial struggles in 2020. After three failed contracts on our primary residence, we finally have a short sale almost completed but are still waiting to hear back from Truist regarding a settlement negotiation for the home equity loan. The settlement amount is too high and we are struggling to obtain the funds being requested. We're getting no response and feel like Truist is pushing us into bankruptcy. They won't tell us what the terms are until we agree to the settlement number. They are not responding to offers or inquiries and we feel that we are being forced into a predatory loan.
Product: Credit reporting or other personal consumer reports

My credit score dropped XXXX points by paying loan on time?!! 100 % payment history. Nothing on my report has changed, utilization of credit same, payment history same, no new hard inquires since XX/XX/2023, nothing has changed in last XXXX  months yet my credit score dropped XXXX points!!!!
Product: Money transfers

I have XXXX accounts with Bank of America, XXXX is a business account the other is a checking account. I made a {$500.00} online transfer for XXXX XXXX, 2015 from the business account to the checking account. At the time I effected the transfer I was given a transaction number of # -- -- -- XXXX. This evening when I went to transact some additional business I noticed that my account was short by {$500.00}. It seems that there were XXXX ( XXXX ) transfers from the business account to the checking account with the following transaction numbers : -- -- -- XXXX and -- -- -- XXXX. As you will see, neither of these numbers is the same as the original transformation number that I was given. Rest assured, that all my previous transaction numbers that I was provided at the time of the transaction correspond with what later shows up in my online account. 
I immediately contacted B of A. After waiting on the phone for an hour, I was finally connected to someone by the name XXXX who could offer no explanation as to how or why this happened. She said she would transfer the {$500.00} back to my account but she could not do it for value on XXXX XXXX, which is when the erroneous dare I say fraudulent transfer was made by the bank. I asked to be transferred to the manager she said she had just spoken with and I was told there was no manager on duty that could help me which I suspect was a blatant lie.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXXXXXX Balance : {$640.00} XXXX XXXX XXXX XXXXXXXX Balance : {$4000.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX HAS REPORTED MY ACCOUNT LATE IN XXXX OF XXXX WHICH IS IN ACCURATE I PAY 2X A MONTH BEFORE THE DUE DATE
Product: Checking or savings account

Citibank offered a deposit bonus of {$400.00} if certain requirements were met. All requirements were met ( verified by local branch representative ). Citi failed to timely pay the bonus and continues not to pay. When I call in to investigate I am not allowed to speak to department that makes decision. Branch representative has attempted to contact said department. They do not answer her emails. They continue to send me lettesr " ... failure to make required deposits within the required period ... '' This is not true and has been branch verified that required deposits made on time. 
Numerous other similar complaints are evident online.
Product: Credit reporting or other personal consumer reports

I sent the 3 credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I am filing this statement with the FTC to report inaccurate information appearing on my consumer credit report that needs to be corrected. Specifically, the account with XXXX XXXX XXXX , shows a late payment on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXhows a late payment on XXXX XXXX XXXX XXXX XXXX which I believe has XXXX reported in error. Also the followinf inaccurate information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Kindly correct these, ASAP.
Product: Checking or savings account

I am extremely concerned about Charles Schwab 's debit card dispute process. During recent travel, I used their visa debit card at an ATM. The ATM took the money but dispensed no cash. As such, I contacted Charles Schwab to file a dispute. That was a week ago and when I called to check on it today, I was told it can take up to 10 business days just to have a reviewer assigned to it! Then after that, it can take additional time to review the claim! This is someone's debit card, meaning their cash is at stake here. 10 days to get a claim to a reviewer, then another period of time to review it is too long and can not be legal - if it is, it shouldn't be. My dispute is for a relatively small amount, approximately {$23.00} but that's not the point. What if someone experiences something larger? This dispute policy is unacceptable.
Product: Debt collection

I received a notice to pay a collection from Jefferson Capital Systems. I responded to the letter in a timely manner and was sent by certified mail responding to the validation of the debt as not mine, I believe this was done through identity theft. After many months of trying to get information I have not received any correspondence from Jefferson Capital Systems about the debt or any proof that it was opened in my name with my SSN. I never had a contract with Jefferson Capital Systems or XXXX XXXX XXXX as they claim in their notice. I would like an investigation and feel that if I am not assisted with their company I have a right to take them to court for false statements and damages to my credit report.
Product: Prepaid card

On XX/XX/year> I purchased a vanilla gift card from my local XXXX and activated it with {$450.00}. In less than 30 minutes, I opened the card and there were numbers missing from the middle of the 16-digit card. I immediately called vanilla and was told, unfortunately, I had to wait 3 to 5 business days to receive a replacement card. I was very upset in that they only took 2 minutes to take my money, sold me a bogus card, and them tells me I have to wait 3 to 5 days to get a replacement. I went back to XXXX and was told they were unable to assist me. I contacted Vanilla customer service again and asked to speak to a manager, which none was available, and was told I needed to put in a case and wait 7 to 10 days to receive a replacement card, even longer than the original wait period. They claimed I was given the wrong information from the original customer service agents. I placed what I thought was a claim, was told to hold on to the card and receipt and I waited. 

On XX/XX/year>, I contacted them to get an ETA on when I would be receiving my card and was told I was missing documents and needed to provide photos of the receipt and card. I asked them, why was I not informed the first five times I initially contacted them and placed a claim about this issue. Again, " I am sorry, there was a miscommunication and now you have to wait an additional 3 to 5 business days after you submit the documents ''. I was also told that I would receive an automated email after the email with the supporting documents were provided and I did not receive it. I called them back and was told to wait an additional 24 hours to receive confirmation. 

At this point I think Incomm is gruesomely taking advantage of vulnerable consumers and causing great harm. Consumers purchase these cards to pay bills, provide for family members and charities to help those in need. It is a shame that they appear to not be facing any consequences for their actions. Consumer alerts deterring the purchase of Vanilla gift cards should be the least of actions taken.
Product: Debt collection

On XX/XX/XXXX I was transported by an ambulance to XXXX XXXX XXXX in XXXX XXXX, XXXX I was taken to the ER where I had to be XXXX  and put on a XXXX The hospital then needed to transfer me to a higher level of care so they called a different ambulance company, XXXX XXXX XXXX of XXXX, XXXX  ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  to transfer me to XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. 
When XXXX submitted the bill to my insurance company ( XXXX ), they forgot or refused to send documentation to explain medical necessity for the transport. XXXX asked for more documentation which they never received. After numerous attempts to collect this information from XXXX, XXXX simply suspended there claim. 8 months later in XX/XX/XXXX, XXXX sent a bill to us for {$1700.00}, and demanding payment. We called them and explained to them that XXXX was giving them 45 days to complete the information that they needed or the submitted bill would be considered non-certifiable and would be closed. XXXX also informed us on the phone that we were not in any way obligated to pay anything to XXXX because we had insurance that would have paid the submitted bill if they had submitted the required documentation and followed the required processes. 
XXXX missed their deadline, so they were now denied. XXXX then turned it over to a collection agency. I submitted all of this same information including the letter we received from XXXX regarding this problem. The collection agency emailed me and said that the collection process was now on hold until XX/XX/XXXX while the investigated the claim. In the meantime XXXX continues to harass us and try to collect payment. XXXX contacted us stating that they have finally received the documentation and they are reviewing it. In the meantime, again, XXXX continues to harrass us wanting to collect from us. Their collection process could also wrongfully damage my excellent credit rating which may result in a defamation suit if they continue this harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I placed an order through XXXX who works with a third-party vendor that third-party vendor never sent that item I purchased through XXXX after multiple request for updates from XXXX and the third-party vendor I submitted a request through my credit card company which is controlled by Goldman Sachs. Goldman Sachs followed up on the dispute in regards to if a purchase was made. Goldman Sachs never followed up on if the item had been received. Goldman Sachs then refuse to follow up on the correct type of dispute and I was charged for a product which I never received