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

I received and deposited a check for {$2800.00} on XX/XX/year>, unknowingly accepting a fraudulent instrument. On XX/XX/XXXX, Zions Bank identified the check as fake and removed the funds from my account. Since that date, I have been unable to access my account or use my debit card, effectively freezing my financial resources for nearly a month without proper notification or resolution. 
I have made multiple good-faith attempts to resolve this matter, including : XXXX separate phone calls to customer service, each resulting in different and contradictory information XXXX in-person visits to different branch locations Following their recommendation to order a replacement card, which also did not function During my first call, a representative stated the issue was " the fault of the vendor. '' My second call resulted in being told they could not assist me by phone and I needed to visit in person. Upon my first branch visit, staff could not identify any issues with my account, though a supervisor briefly mentioned fraud and advised me to " wait for resolution '' without providing a timeline or process. 
At my second branch visit, despite staff again being unable to explain or resolve the issue, I was permitted to withdraw only {$50.00} after significant effort. The branch manager promised to call me after speaking with relevant departments, but no follow-up occurred. 
After receiving and activating a new card as suggested, I attempted transactions at multiple merchants ( both in-person and online ) and was declined each time. Only after yet another call was I finally informed that a freeze had been placed on my account, requiring an in-person visit for resolution, information that was provided on a Friday, causing additional delay. 
This situation has caused significant financial hardship and stress. I believe the bank has failed in its obligation to provide clear communication about account restrictions, a reasonable timeline for resolution, or appropriate accommodations during the investigation process.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to put the collection account in my report which has been removed on several occasions this company keeps reinfecting this account that I do not have a balance on. This company is assuming a balance and trying to get money from me Equifax is aware of this they took it out before and now it is back.This company has not account with me or sale or loan or anything I want it removed. 

In addition I ask for a reinvestigation on the XXXX  account the XXXX account and the XXXX  account this one should be removed I do not owe the balance I ask that they be removed. Equifax has never shown me any investigation on these company they should be removed. I have not received anything.
Product: Checking or savings account

My bank is USAA and I transferred {$19000.00} on XX/XX/XXXX and initiated three transfers of {$5000.00} each on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and one transfer of {$440000.00} on XX/XX/XXXX to my financial adviser, XXXX XXXX XXXX. They confirmed that they received the first two transfers after a few business days and then a week later, that they received the final transfer of {$4400.00}, but not the third transfer of {$5000.00}. I reached out to USAA to open a dispute with them on XX/XX/XXXX. I provided them with the direct number of my financial advisor 's local office so they could contact them and verify that the funds were not received. They also provided a provisional credit of {$5000.00} into my account, which I was successfully able to transfer to my financial adviser. On XX/XX/XXXX I received a notice from USAA saying that they had concluded the investigation and found that there was no error on their part and were going to reverse the credit. I contacted them again that day to appeal their decision and try to understand how they came to that conclusion. They could not provide any information about their investigation and whether or not they contacted my financial advisor, except to say they requested the money be returned and it was denied. This is obvious because the financial advisor never received the money. They also could not provide any information about the transfers and if they saw that they were received by my financial advisor. They only said that they could see that the money was transferred out and not if it was received on the other end. Also, I'm not sure who they spoke with, or if they just put in a generic request. I'm not sure about how this was conducted.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Complaint Regarding Negative Mortgage Report and Disaster Relief Program Miscommunication Consumer Financial Protection Bureau To whom it may concern, I am writing to formally file a complaint regarding the negative reporting on my mortgage payments, which I believe is a result of miscommunication about a disaster relief program I was informed of by US Bank. I reside in a federally declared disaster zone and was assured by a representative that I qualified for a mortgage relief program designed to help customers like myself. 

Despite following the guidance provided and believing that my mortgage payments were either deferred or paused under this program, I was recently notified that negative reports regarding missed payments have been filed against my credit. This has caused significant distress and affected my financial standing. 

To summarize the events : - Around the beginning of XX/XX/XXXX, shortly after we suffered through Hurricane XXXX, I was informed by US Bank that I was eligible for the disaster relief program. 
- I followed the instructions provided to enroll in this program. 
- However, around XX/XX/XXXX, I was notified that my mortgage account was reported delinquent, which contradicts the understanding I had of the programs terms. 

I am requesting that US Bank promptly : 1. Remove any negative credit reporting that resulted from this misunderstanding.

2. Provide confirmation that my account is in good standing and that I remain enrolled in any applicable disaster relief programs.

3. Review the communication surrounding the program to ensure no further customers experience this issue.

I have relevant documents, including communication from US Bank or proof of disaster zone status that I can provide if necessary. I would appreciate a prompt resolution to this matter, as it is crucial for my credit and financial stability.

Please respond to this complaint in writing within reasonable time frame, e.g., 10 business days to confirm the actions taken. 

Thank you for your attention to this matter. I look forward to your prompt resolution. 

Sincerely, XXXX XXXX ---
Product: Credit reporting or other personal consumer reports

I paid capital one money, and they forgave {$190.00} and it should reflect paid in full, I did pay over {$490.00} my share of the debt directly to capital one. they made a settlement offer to me and i paid in full my share as promised and they forgave {$190.00} My credit report has not updated yet, it still shows a balance of {$190.00} and that's not accurate. Capital one forgave that settlement paid directly to capital one
Product: Credit reporting

Submitted complaints to all three credit bureaus on XX/XX/XXXX. Within a few days, XXXX and XXXX had removed the paid tax liens from my credit report, but Transunion refused to do so and made a cursory examination with no results. I disputed their answer and have since provided additional documentation, including data from the IRS and XXXX County Court indicating these tax liens have been withdrawn. Transunion has made no effort to make the obviously incorrect changes and has now XXXX times knowingly reported incorrect information to my prospective employer. I have now lost my lucractive job due to their incompetence, rudeness and ignorance. Among other things, each time we provide them with additional documentation, the restart the 30 day clock making this an endless, pointless exercise that only they seem to engage in.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want XXXX XXXX, XXXX  and Equifax to add my current employer to my credit report. My current employer is : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Arizona XXXX, Position : XXXX XXXX XXXX XXXX, Annual Salary : {$200000.00}
Product: Debt collection

hello, on XXXX XXXX, 2016 I received a call from XXXX at XXXX XXXX XXXX time. The caller advised they were a XXXX XXXX XXXX representative and were trying to collect a debt in the amount of {$820.00} for a unreturned cable box. The caller was unable to provide any account information in reference to the time warner cable bill she was trying to collect for so I requested to dispute the amount/bill. 

I then called the XXXX XXXX XXXX XXXX Customer Service number to speak with a representative in regards to the amount due. I provided XXXX XXXX XXXX with all my personal information needed to access an account and the XXXX XXXX Representative had absolutely no record of an account. 

I called XXXX to discuss the questionable amount due since XXXX Customer service has no record of an account. The company recording advised it was ERC, a debt collecting agency. Why did they misrepresent themselves as a XXXX representative on the first call XXXX/XXXX/2016? The ERC representative was unable to provide any verification for the bill/amount and advised it needs to be paid. I advised them XXXX has NO RECORD of an account your claiming is past due. The representative then placed me on hold and provided me with the XXXX XXXX XXXX Fraud Dept Number and advised me to contact them to dispute the matter. So I contacted the XXXX fraud Dept and was told there is nothing they can do since there is no account to access or investigate. 

I called ERC, again who posed as XXXX in the initial call made XXXX/XXXX/2016, and advised them of the issue. They were still unable to provide any form verification of the debt and advised they do not have any original information for the debt, just the amount. I 've requested ERC provide the audio/media from the initial call received XXXX/XXXX/2016, stating they are from XXXX. At which point, the representative hung up. I 've called them numerous times requesting more information for the debt they are claiming I owe and have been addressed in a VERY unprofessional manor and hung up on. 

Please assist as this has affected my credit report and ERC is unwilling and unable to provide any verification of the amount they are stating I owe.
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

I had a deferred payment Was advised if i didnt receive before XX/XX/year> to contact them.Didnt receive till XX/XX/year> and now I have a hit to my credit saying I missed a payment.Never was I told this would happen and asked if it would happen.I was stated it was in the system, I just had to sign documents and send back.This is the second time Im going through this.First time I made a payment in person at citizen bank and it was still reported late.I am trying to buy out a lease on another loan and now I cant because it looks like I missed payments on my loan/credit.This company needs to be reconstructed. I have never had an issue with any other loan company before.
Product: Credit reporting or other personal consumer reports

I don't understand why I can't get anyone to approve me. My credit isn't that bad. I also been reported someone using my name and getting accounts in my name while I was away
Product: Credit reporting, credit repair services, or other personal consumer reports

FROM XX/XX/2022 TO PRESENT I HAVE DISPUTED A FRAUDULENT BB & T/TRUIST CREDIT CARD ACCOUNT THAT SOMEONE OPENED IN MY NAME BY STEALING MY IDENTITY. I NOTIFIED ALL 3 CREDIT REPORTING AGENCIES AND BB & T/TRUIST ABOUT THIS FRAUD IN WRITING 3 TIMES, NOTHING HAS BEEN DONE TO CORRECT THE PROBLEM. THIS IS AFFECTING ME GETTING A JOB AND BEING APPROVED FOR HOUSING/APARTMENTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It all states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : 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, credit repair services, or other personal consumer reports

I spent the greater part of an afternoon last week ( and I also made this report to the XXXX  ). I was checking my credit report on Transunion and creating tasks for them to investigate many accounts that were closed and old and still on my report. I also called transunion and spoke to someone I had a very hard time understanding this person. I don't understand why they put people like that in Customer Service! I explained I have multiple inquiries on several accounts the rep told me there was nothing they could do for me and directed me to contact the company and get letters to release these and send to Transunion. Later on in the day I went back into the account and all of the investigation inquiry flags had been removed evidently they were too lazy to work the accounts so they just deleted them. It is apparent to me that all they care about is selling our personal information to the world and how much money they make doing it.
Product: Debt collection

ALLY FINANCIAL RECEIVED THE PAYMENT FOR MY TOTAL LOSS PAYMENT XX/XX/2021 IN THE AMOUNT OF XXXX, XXXX. THE ACCOUNT SHOWS CHAGED OFF WITH A BALANCE. 
IN REFERENCE TO THE ALLEGED CLAIMS : I have not supplied proof under doctrine of estoppel by silence, Englehardt vs. Gravens ( mo ) XXXX XXXX XXXX, I presume no proof of alleged debt, nor therefore any such debt, in fact therefore exists. 

Pursuant to 18 usc 8, I owe no debt, this company is violating my consumer right to privacy pursuant to 15 usc 1681 b 2 company has also no permission.

Billing error- 15 U.S. Code 1666 - Correction of billing errors. 

15 U.S.Code 1605 ( a ) finance charge sum of all charges insurance for the vehicle and insurance to cover health, life, accident, and gap insurance and NO CASH DOWNPAYMENT. 

THE OWED BALANCE IS DIFFERENT PLEASE SEE THE ATTACHED DOCUMENTS. 
THIS COMPANY ALSO TOOK AUTOMATIC MONTHLY PAYMENTS WHEN LOAN WAS CLOSED. I WILL LIKE A REFUND IN THE AMOUNT OF {$2800.00}
Product: Money transfer, virtual currency, or money service

On Thursday XXXX XXXX, I attempted to withdraw XXXX $ from a XXXX atm . The XXXX atm didn't dispense cash. Instead, I received receipt, and an error message saying to contact my financial institution. Because I had not retrieved the money fast enough!! Even though the compartment with money never opened!! I contacted my financial institution immediately thru app, which is CASH APP. A bot responded with hours of operation. Called customer service the following morning, had to file dispute. Said disputes supposedly take 45 days to investigate. I have several complaints about XXXX atm 's, and Cash app!! Its now Tuesday XXXX XXXX, the following week and I've tried to speak with a manager or supervisor several times. There is not any active upper management to speak to at Cash app. I've tried to contact Cash app 's " investigation '' team directly several time. No one responds. or I'll get an email from someone claiming to be a manager saying they'll take note of my complaint. But no results!!! Their website says they offer provisional credit while investigation is under way. I was not offered, nor did I receive a provisional credit. 45 days for a financial investigation is too long to not produce quick results. Also, XXXX atm 's should be audited! How can an atm not dispense money, but report to my financial institution that it completed transaction. Is that legal? If no money was dispensed, why shouldn't I have been able to just go to a different ATM? no harm no foul. if i could sue, I would!! In every other profession, using faulty equipment will get you sued. A money dispensing machine that doesn't dispense the withdrawn amount, should be at the very least out of commission!! And any financial institution making a profit.. Should have to be reliable, and held accountable!
Product: Money transfer, virtual currency, or money service

Every time western union page says wrong currency to force me to pay {$6.00} charge, sending over to western union cash pick up it never allow me to pay over bank account even I put the bank account I want all those {$6.00} charge back please
Product: Debt collection

On XX/XX/2018 I was alerted by the 3 credit bureaus that Jefferson Capital Systems and XXXX XXXX are illegally reporting a negative collection account on behalf of XXXX. I have not had any business dealings with any of these companies and have been disputing these fraudulently acquired collections as identity fraud for months. I am filing this complaint requesting assistance in having the collection of these accounts stopped and deleted from the bureaus permanently, as they have negatively impacted my ability to get home financing. The reporting is inconsistent and stating the debt is {$890.00} with one bureau and {$270.00} with the other two. If this can not be rectified soon, I will be forced to pursue civil action as this violates my Fair Credit Reporting rights.
Product: Debt collection

I am writing to formally dispute a debt reported by TekCollect regarding an account with XXXX. The account in question is listed under Account # XXXX, and TekCollect claims that I owe a balance of {$1600.00}. 

I am disputing this debt for the following reasons : XXXX Guarantee : According to the XXXX XXXX, I should not be responsible for paying for services that were incomplete. XXXX went out of business before I could finish my treatment, so the debt is not valid. I was provided with no means of communication or a way to receive new aligners to complete my treatment. 

Medical Debt Concerns : If this debt is in any way related to medical services and my personal health information has been disclosed without my consent, this could be a violation of my privacy under HIPAA ( Health Insurance Portability and Accountability Act ). If my medical information was shared improperly, I will be filing a complaint with the Office for Civil Rights ( OCR ) at the U.S. Department of Health and Human Services ( HHS ), which investigates potential HIPAA violations. 

I request that you review and investigate this debt, and if it is determined to be invalid or improperly reported, that the debt be canceled.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX
Product: Payday loan, title loan, or personal loan

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - consumer verified as accurate. I contacted XXXX Dispute Specialists to report the inaccuracy.
Product: Debt collection

I/Me/Myself/Us/We/Ourselves, By : XXXX XXXX :, the undersigned affiant, a living woman declare that I am of majority and competent to state the matters set herein with first-hand knowledge of the facts and that they are true, correct, not misleading, and certain, admissible as evidence. Breach Of Contract Vystar Credit Union violated A valid contract, they never followed the agreement of the contract for Performance by one party, and Damages suffered by the performing party. Fails to perform on time, Breach of Contract Vystar Credit Union is very unethical, they have harassed and threatened me. We have been trying to negotiate with Vystar Credit Union and they are willing to come to an agreement. The following corporations have knowingly participated in false and misleading practices and are not willing to rectify this matter. I was knowingly and falsely misled by not being given full disclosure of my rights as a consumer. I have started the administrative process by following all the rules and regulations set forth by Congress. I have sent out Affidavit notices to this corporation making them aware of the violations pursuant to 15 USC 1602, 12 CFR 1002.2, 12 CFR 1026.13 ( a ), 12 CFRb1026.17, 15 USC 44, Regulation B 12 CFR Subpart B, and 15 US CODE 1692 ( c ). I have spoken to them via phone and email as well as certified mail and they have yet to even acknowledge my attempts nor credit my account. I sent the first notice and remittance transfer on and many other notices of billing error. I will attach all the documents that were sent to this corporation below upon request as I have already sent them. They also have a Cease and Desist in place not to contract and they violationed. 
Fails to perform at all or fails to perform according to the terms of the agreement. There was a payment tendered on XX/XX/2023, and XX/XX/2023, for the full amount they are in receipt. Vystar Credit Union refuses to apply for the tender for the loan. Vystar Credit Union have locked all my accounts and dont have access to my online bank or to complete any transaction. There was a Breach of Contract. There were no Arbitration agreement proceedings before they stole my vehicle twice and on XX/XX/2023, at XXXX XXXX having the vessel/vehicle Repossessed by XXXX XXXX. They entered our private property gate with No Trespassing and Private Property Posted on Property which is {$5000.00} fine 15 U.S. Code 1825 - Violations and penalties. There were many private personal property items in the Vessel including medicine that must be taken on time we have not gotten back they are refusing to release all of them. Its one day before XXXX Holiday lack of human dignity. Vystar Breaching of Contract we were not provided with a Writ of Procession on private property and No notice was sent to notified. We are processing Arbitration proceedings now. In Addition, Breach of Contract has caused significant harm, loss, damages, mental and physical emotional undue stress for relief in the amount of {>= $1,000,000} dollar in lawful money.
Product: Credit card

Capital one credit card has excessive interest and late fees they wont wave. Nor will they allow me to make weekly payments