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

The account is a business account for a franchise fast food restaurant. Incoming credits are not being processed before outgoing debits are processed resulting in NSF charges. We are under the impression that checks are supposed to be processed from the least amount to the highest and that is not the order in which checks are processed. Additionally, if multiple checks are received at the same time or day and the total amount of those checks is over the balance amount in the account, the bank rejects all the checks instead of processing them up to the balance amount. This results in multiple NSFs charges from our bank. This is a huge problem for us every pay period ( we pay bi-weekly ). Employees checks  consistently get rejected by the bank because not all of the checks submitted that day can be processed causing multiple NSF charges from our band as well as from our employees bank.
Product: Credit reporting or other personal consumer reports

Ive been a victim of identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

A collection appeared on my credit report back in XXXX from a company called Hunter Warfield out of XXXX FL. They claim that I owe {$15000.00} in rent for a home from XXXX XXXX XXXX XXXX. I have never rented a home from anyone by that name, in fact I have lived my current home for over 25 years. I have repeatedly asked for verification of the debt and had a lawyer send a certified letter also asking for verification of the debt to which I received no response. I know they received the request as someone signed for the letter. They continually call me to harass me about this and as of today this is still showing up on my credit reports and I would like to have it removed without having to endure the expense of taking them to court, which I will do if necessary.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX debts on my credit report that are not from me
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I noticed two new derogatory accounts on my XXXX  credit report both in the amount of {$550.00} and both from XXXX XXXX. I disputed the same with XXXX. On XX/XX/XXXX, XXXX responded to the dispute claiming these accounts were correct. On XX/XX/XXXX, I contacted Universal Collection Systems in XXXX, TN to inquire about the same. Universal Collections stated that one account was a duplicate but that the other was correct. They also stated they sent one ( 1 ) correspondence regarding this account in XXXX. ( I did not receive a copy of this alleged XXXX correspondence ). Universal Collections stated they never called me about this alleged debt. Instead, three ( 3 ) years  after sending the alleged correspondence in XXXX, they report both accounts to the credit bureaus making them in breach of the Fair Credit Reporting Act by not allowing the consumer adequate notice to dispute a collection and by making a fraudulent derogatory account on my credit report. On XX/XX/XXXX, I also requested an itemized statement of the charges. To date, I have not received the same. Instead of complying with the Fair Credit Reporting Act, Universal Collections is attempting to bully me into paying for an account ( s ) that is not mine and by reporting the same account twice to the credit bureaus thus hurting my credit in an attempt to intimidate the consumer into paying. 

Note I have no correspondence from Universal Collections to attach to this complaint.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns with Zelles 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.
Product: Checking or savings account

XXXX of the month every month since XX/XX/2019. So I've recieved a overdraft of {$29.00} in XX/XX/2019. XX/XX/2019. XX/XX/2019. XX/XX/2019. XX/XX/2019. I have sent nu.erous letters and called the company numerous times for them to stop trying to debit my account as it is causing over draft fees. They do not have my authorization for automatic withdrawal.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violates 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 accounts 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 has cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card

Citi Bank cancelled my card for " non use '' after I 've been a member in good standing since 2001. I believe they are unjustly cancelling anyone that has cash back " dividend '' cards. I found nothing in the terms and conditions that state the card needs to be used a certain amount to avoid being cancelled. Now they will only give me a new card by running my credit again and damaging my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke to XXXX XXXX XXXX for my XXXX XXXX credit account that I have court payment agreement to pay {$40.00} a month. The lawyer at XXXX received a prior complaint, however, he wasn't willing to negotiate removal of the charge-off. I have a payment agreement and I want my credit report to show I'm paying the debt and its no longer a charge-off. He refused. 

In all fairness, I am doing my part to rectify the payment of the debt. However, as a consumer, I want my credit report to reflect accuracy. ITS NO LONGER A CHARGE-OFF. Stop denying me my right to a fair report.
Product: Debt collection

On XX/XX/XXXX I received a letter from Credit Collection Services located at XXXX XXXX XXXX, XXXX, MA XXXX, stating that I owed an amount of {$480.00} for XXXX XXXX. While I did at one point have XXXX XXXX, I couldn't keep up with the amount that was being requested. When I signed up originally I was told the bill would be $ XXXX and it ended up being upwards of $ XXXX. At time of setup, the associated located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX told me that if I wanted to stop service I could do so at any time with no repercussions and the plan I signed up was not a contract. One of the reasons I signed up for XXXX XXXX was because they had tv commercials stating it was not a contract. When I received this letter, I promptly wrote them back ( via snail mail so I have paper records ) asking them to show me the contract because I had no idea why I was being taken to collections for a month-to-month plan. ( See XXXX and XXXX for examples. ) Furthermore, on every other month-to-month plan they turn your service off if you don't pay yet somehow the bill went up to {$480.00}, how does that make sense when I did not have service for any of the time that they're trying to collect.They wrote back, 23 days later, only supplying a bill from XXXX but no form of contract or anything requested. I have requested them remove it from my credit and told them multiple times that I did not sign a contract, and they are still refusing to do so. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

The FCRA 15 USC 1681 states that our consumer reports/ Credit reports are our reputation. 

15 USC 1681b ( a ) In General Subject to subjection any consumer reporting agency may furnish a consumer report under the circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

My rights as a consumer are being violated repeatedly by this company.
Product: Credit reporting or other personal consumer reports

This is my last Complaint trying to rectify the issues pertaining to the unauthorized information on my credit report through this avenue. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer ; which have ALL been provided to you before. [ See attachments ] All information needed to rectify the issue are in the attachments in an effort to remove inaccurate information from my credit report. The following information you have placed on my file has seriously affected my credit profile. Please be reminded that it is important that credit bureaus maintain accurate information per the Fair Credit Reporting Act. The following is a brief summary of the unauthorized information and accounts that do not belong to me and should be removed from my credit report immediately. 
-Nonmailable Addresses -Unauthorized Accounts -Unauthorized Inquiries THIS IS NOT MADE IN ERROR!!!!!!!!!!!!!! I REPEAT THIS IS NOT MADE IN ERROR!!!!!
Product: Prepaid card

My name is XXXX XXXX and I disputed three unauthorized transactions of fraud on XX/XX/XXXX with Netspend. I received a fraud alert from Netspend at approximately XXXX on XX/XX/XXXX. I selected NO when asked if I was attempting to make the transaction. Their customer service and fraud teams were closed and I could not get through to a human. I personally had to go into my account and stop the theft by blocking my cards. I also had to manually move funds back into my savings account in an effort to stop them. The hacker and/or thieves added their number to my account and also somehow accessed my pin. I informed all of this during my dispute as well as to the police.

The disputed three transactions were as follows : {$500.00} {$500.00} {$36.00} All transactions were processed on XX/XX/XXXX at the XXXX  XXXX XXXX in XXXX, TX. I have filed a police report with my local police department for the stolen money and fraud. My police report number is XXXX with the XXXXXXXX XXXX XXXX in XXXX, TX. 

Per Mark, the supervisor I spoke to at the time I filed the dispute with Netspend, I was told to email and request provisional credit for the stolen money. I did so. I also called Netspend on XX/XX/XXXX for an update and was told to call back on XX/XX/XXXX which I did. I was told by Netspend on XX/XX/XXXX that my dispute was to be complete that day and they still could not give me a provisional credit. 

I never received a provisional credit and sometime after my call on XX/XX/XXXX they denied my dispute and closed my dispute request as no error found. I was not notified that my dispute had been denied, I only found out by logging into my app on XX/XX/XXXX. 

I spoke with the XXXXXXXX XXXX XXXX who informed me that I was in fact a victim of theft and that it was the banks responsibility to provide the funds back and then use their resources to pursue the criminal act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 'm working to clean up my credit report. I use XXXX XXXX to track it. Both XXXX and Transunion list the same debt ( {$420.00} originally owed to NXXXX XXXX XXXX XXXX ). 

But, the same debt is being collected by two collection agencies : Transunion : XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, NM XXXX ( XXXX ) XXXX I would be happy to pay one or the other to clear up my record. 

Please help. 

Thank you.
Product: Checking or savings account

XX/XX/23 I report XXXX transactions suspicious from my checking account from Bank of America XXXX XXXX CA # XXXX filled fraud # XXXX total {$1600.00} Bank close my claim whit no consideration they refuse to give credit my account is negative- {$160.00} I call several times to fraud department but they dont answer any cuestin, my situation is terrible, I never made the transaction never authorized the Company XXXX XXXX
Product: Debt collection

My name is XXXX XXXX. Im a Proud American and qualified Consumer. I am being discriminated against by XXXX XXXX XXXX by them claiming that my XXXX owes an alleged debt while there violating my fundamental right to privacy. I was unaware that XXXX XXXX XXXX was lawfully and legally able to purchase my personal information and use my information without my permission and or written consent. I was also devastated to find out that the alleged debt XXXX XXXX Claims is my personal debt along with my personal information was sold to them by Capital One. I never agreed to that. After realizing that XXXX XXXX XXXX was unethical, I decided to look into their license to collect debt in California. XXXX XXXX XXXX is NOT licensed to collect debt in the State of California. My Estate has suffered irreconcilable hurt from XXXX XXXX XXXX because I can not obtain goods for my personal, family, and household benefit.
Product: Credit reporting or other personal consumer reports

2010 XXXX XXXX provided inaccurate information about a contract
Product: Credit reporting, credit repair services, or other personal consumer reports

This Company Claims I have several accounts in their office which none have been validated even though I have sent several requests. This company further posted inaccurate information to my credit reports after changing account information. I have sent multiple copies of what is required of me to support my identity theft claim including and not limited to an FTC identity theft report. I have also reported this to the FTC XXXX knows they are in violation and has not handled this complaint correctly and defiantly not in accordance this FCRA or FDCPA. This company should not have posted any accounts to my credit reports without sending me information to request validation. XXXX knows is aware they have not followed compliance rules. Therefore, they changed account information. The account is not listed as a medical collection it is listed as a charged off debt. According to FDCPA XXXX must remove this inaccurate information which they know. Again, I have submitted valid proof of my identity theft claim which XXXX was in receipt of on XX/XX/2019 via certified mail and signature receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Can't get into the Equifax website because the security questions do not match my background. Whenever I send a correspondence in any form, I always get an email in return that sends me to the same website with the same erroneous security questions, that are not in my credit history The email states that I will find the resolution to this issue on the website. The website I can't get into. It also states that if they do not hear from me in 24 hours the issue is deemed closed. The issue is obviously not resolved with no way to resolve it. 

When I call they have the same security questions that are not mine and they will not allow me past that phase in order to resolve the issue that the security questions do not belong to my file. It is a vicious circle. 

I have been long retired and one of the questions is in regards to a student loan taken out in 2017. I do not have a car loan or a home mortgage. Nor do I have a store credit card. I don't know who's credit history they are getting the security questions from but it has nothing to do with my background. They will not talk to me until I answer their questions correctly. How is this issue to be resolved if I can't get through to communicate with an actual person? 


If someone is using my credit history for their own purposes I have no way of finding that out.
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 XXXX. 

15 U.S.C XXXX section XXXX A. States I have the right to privacy. 

15 U.S.C XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C XXXX. ( a ) ( XXXX ) 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. XXXX ( A ) ( XXXX ) 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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, ALLIED COLLECTION SE Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666 B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX, XXXX XXXX XXXX XXXX account opened on XX/XX/XXXX under the account number XXXX, a business credit card account opened at XXXX  on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

First Republic Bank was acquired by Chase Bank. On XX/XX/XXXX my bank account was turned over to Chase Bank. Upon having access to moblile banking which was active on XX/XX/XXXX. I noticed that I had daily surcharges ( sometimes more than one a day ) in the amount of {$3.00} dating back to XX/XX/XXXX. The charge states Surcharge amount terminal XXXX XXXX XXXX XXXX XXXX XXXX ). 
I called the bank ( Chase Bank ) and they could not tell me what the charges were for and they came from First Republic. I called First Republic and they told me they had no idea what the charges are and they are from

Chase.

I went to Chase Bank XXXX XXXX XXXX XXXX and spoke to XXXX XXXX and he also could not tell me what the charges are and I was out of luck. 

There is ALMOST {$5000.00} IN CHARGEST THAT NOBODY CAN TELL ME WHAT THEY ARE.
Product: Mortgage

I am trying to remove my primary mortgage insurance from my conventional mortgage. I am current on payments, been paying for over 2 years as the law requires. I contacted the company via email on XX/XX/22 to find out what appraisal company I needed to use to remove it. I have not received any response. When I call them, they say the mortgage insurance dept can only be contacted by email, and they do not have a phone number. 

I called again today, and they said they sent a letter on XX/XX/XXXX but I did not receive it. The letter said I was partially denied, and I needed to get an appraisal done by a company of their choosing, but they did not tell me what company and can not be contacted. The customer service person on the phone said I have to email them again and wait more months for a response. 

I am paying {$61.00} a month when I don't have to, and this company is collecting this money in breach of the law.
Product: Credit reporting or other personal consumer reports

I am outraged by the blatant disregard for legal compliance demonstrated by the unwarranted and unauthorized reinsertion of a fraudulent tradeline on my credit report. This act is a flagrant violation of the Fair Credit Reporting Act ( FCRA ) and exposes a gross negligence in your duty to manage sensitive credit information responsibly. 
Inadequate Investigation : Experian has failed to conduct the necessary and reasonable investigations into the fraudulent accounts, despite provided evidence and documentation. 
Maintenance of Inaccurate Information : Experian continues to list unverified and inaccurate information on my credit report, in clear violation of FCRA mandates.

Failure to Notify Information Furnishers : Experian has not fulfilled its obligation to notify furnishers of the disputed information, further complicating the resolution process.

Failure to Conduct a Reasonable Investigation : Experian has not conducted a reasonable investigation into the fraudulent accounts reported, contrary to the obligations set under FCRA Section 611 ( 15 U.S.C. 1681i ).

Negligence in Maintaining Accurate Information : Experian continues to report inaccurate and unverified information on my credit report, a clear violation of FCRA Section 623 ( 15 U.S.C. 1681s-2 ).

Failure to Notify Furnishers of Information : Experian has not adequately notified the furnishers of the information about my disputes as required, hindering the resolution of these fraudulent issues. Negligence in Maintaining Accurate Information ( FCRA, Section 623 [ 15 U.S.C. 1681s-2 ] ) : The continued presence of these unverified accounts on my credit report demonstrates a lack of due diligence on your part to maintain accurate information.

Notification and Procedure Failures ( FCRA, 1681i ( a ) ( 3 ) ) : There has been a failure to properly notify the furnishers of the information about my disputes as required by law, impeding the resolution of these issues.

Blocking of Fraudulent Information ( FCRA, Section 605B ) : You are required to block fraudulent information within four business days of receiving an identity theft report, which has not been observed.