23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On the XX/XX/XXXX, I paid nearly the full balance for my XXXX XXXX card. The payment cleared my bank account ( XXXX XXXX XXXX XXXX ) on the same day. Saturday ( XX/XX/XXXX ) the card was declined. When I checked the Chase mobile app, it showed the payment reflected in the balance ( now {$5.00} ), but the available credit amount was listed as {$0.00}. 

I called the bank the next day ( XX/XX/XXXX ) and spent nearly 2 hours on the phone with them, getting repeatedly disconnected and booted back to the main menu. When I finally reached someone who could provide information, I was told that, because the payment amount was higher than my normal payment and I had previously had a payment returned, they had applied a 5 business day hold. I was told that the hold could only be removed if the payment was verified with my bank, and agreed to let the agent call my bank and request verification. Once we had a representative from XXXX XXXX on the line, he told us that the bank 's policy is not to verify transactions with third parties over the phone. 

I later called XXXX XXXX to figure out what to do, and they informed me that the payment had processed and that there was no way that Chase had not received the funds. Furthermore, he told me that it would be impossible at this point for the payment to be returned. I called Chase back with this information, and was told that there was nothing _they_ could do, as their policy is to retain the hold for 5 business days or until the payment is verified with the bank. 

I understand that this may be their policy, and that the law may provide me no protection, but it seems clear to me that this is an abusive policy. Chase has received my money, and they have refused to let me use their service for an arbitrary amount of time, awaiting a verification which can never come. If I did not have other funds available to me, taking what seems like the sensible course of actions ( paying off my full balance when I have the ability to ) would leave me utterly destitute. Meanwhile, Chase has a week to lend out and profit off of my payment.
Product: Bank account or service

1-I received a check in the name of my company and deposited it with my XXXX, All right until here. Then I kept the check in my wallet XXXX went to church 10 days later, I forgot that I bring the check in my wallet. I always deposit a personal check of offering, for confusion I deliver the check of the company ( Already deposited and collected XXXX instead of the personal check. 
3-The church deposits the check and my bank XXXX Wells Fargo XXXX pays it and withdraws the money from my account. 
4-I 've spent weeks trying to make the bank understand that everything was a mistake and there is no way to get my money back. The methods that the bank has suggested to me are like a comic movie. ( Go to the church ..., bring the one who gave you the check ... XXXX, I 'll call you tomorrow, .... We 're investigating .... Why you cashed the check 2 times ... XXXX 5-Wellsfargo must to return the money to my company simply because the check was directed at the company, not at the church. The bank should never pay the check to the church. In addition to that, the check had already been deposited and collected by the legitimate owner : My company.
Product: Vehicle loan or lease

XXXX  has been non-compliant with removing the unverified account WELLS FARGO BANK CAR Date opened XX/XX/2014 which has been deleted by XXXX and XXXX. XXXX  and XXXX   have both completed their research and determined that WELLS FARGO BANK CAR was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Product: Checking or savings account

I submitted a check to Regions Bank and I specifically spoke with someone who had confirmed that the check would clear after or at XXXX. I DID NOT CHOOSE DEPOSIT IMMEDIATELY. However, considering the past few months I am going to be honest about my experience with Regions of racism and discriminatory treatment. Ever since having this account I have been a last result problem solved. For instance I informed and filed many complaints about the fraudulent transaction that was being processed. I called and repeatedly emailed Regions the evidence that they requested. Regions fraud department has repeatedly denied receiving the evidence that they required. Also, Reguons bank has denied the request for the history of my account from XXXX XXXX to XX/XX/year>. I have had major fraud issues with my account and I have not received any explanation for the double transactions and how to understand why my bank statements have double transactions with different amounts. I went into Reguons Bank and the manager who contacted me said to bring everything in and they will look into the issue. Her name is XXXX XXXX XXXX XXXX. But back to the {$300.00} dollar deposit that was deliberately deposited before time and intentionally used for the hope that it would cause me go loose my account. I have phone records of my call in to ask and confirm the deposit WAS NOT IMMEDIATELY MADE FOR THE TIME BEFORE XXXX. This is a scam to my account and it is very suspicious to me that I talked with someone who confirmed my deposit would draft until XXXX. But I have paid {$420.00} to Rrgions who charged me for all the fraudulent activity. In one year Regions charged me {$1200.00} for overdraft fees. Also sent me to collections ruining my credit and had to come back and retract the dispute with my name being cleared. Every attempt to get help from Rdgions WAS ALWAYS ALWAYS IGNORED AND NEVER EVER GIVEN CONCERN FOR THE DISRUPTION OF MY ACCOUNT AND THE PROBLEMS WITH MY TRANSACTIONS. Also, having an apartment number included with my address and unfamiliar emails and outdated phone numbers. All the disputes were ignored exc for 3 of them and Regions Bank discrimination behavior was the reason why I didnt have any experience with them has always been put on the back burner. It takes 3-5 months for Regions Bank to investigate the matter with silence for months. This hurts and its painful, I have the evidence that the {$300.00} was in the account as it should have been to clear the transaction. Reguons Bank has ignored many complaints and charged me unreasonably fees because XXXX XXXX and have denied copies of the transactions that I had with them.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Discover Bank for their failure to issue Form 1099-C ( Cancellation of Debt ) for a charged-off debt and for their inaccurate reporting of this debt to the credit bureaus. 

I have an account with Discover Bank, with the account numbers XXXX and XXXX. According to the provisions of 26 U.S. Code 61 ( a ) ( 12 ) of the Internal Revenue Code, any canceled debt of {$600.00} or more is considered taxable income and must be reported by the creditor on Form 1099-C. To date, Discover Bank has not provided me with the required Form 1099-C for the charged-off debt on my account.

This form is critical for my tax reporting, as I am required by the IRS to report canceled debt as income. Failure to provide the 1099-C form not only complicates my tax filing but may also constitute non-compliance with federal regulations.

Additionally, I am concerned about the accuracy of Discover Bank 's reporting of this debt to the credit bureaus. Under the Fair Credit Reporting Act ( FCRA ), creditors are prohibited from reporting false or misleading information to the credit bureaus, including improperly reporting a canceled debt as income. Specifically, 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) requires that any information reported to the credit bureaus be accurate, including ensuring that canceled debts are reported properly to the IRS, not to the credit bureaus as income.

I request that the CFPB investigate Discover Banks failure to issue the required Form 1099-C and its inaccurate credit reporting practices. I would appreciate the CFPBs assistance in ensuring that Discover Bank complies with its obligations under the tax code and credit reporting laws.

I would greatly appreciate it if the CFPB could look into this matter and assist me in resolving the issues with Discover Bank.

Thank you for your time and attention to this important matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed two hard copy pulled on my credit report without my consent one from  XXXX XXXX, and another from a XXXX XXXX XXXX, on XX/XX/2018, that I did not give permission or consent to do. This dropped my score to XXXX, and I want this corrected, so my scores will be raised back to where it was or higher.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX, XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, Experian, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my extreme dissatisfaction and outrage regarding the discrepancies found in my recent investigation of my credit report. Upon thorough examination, it has come to my attention that your agency has failed to ensure the accuracy of the information reported, leading to XXXX distress and XXXX on my part. 

Under the Fair Credit Reporting Act, it is imperative that all information provided in credit reports be 100 % accurate. However, it is evident that several items on my report are unverifiable, invalidated, inaccurate, and questionable. This blatant negligence on your part is unacceptable and has undoubtedly caused significant harm to my financial well-being and mental health. 

I demand immediate action to rectify these egregious errors in accordance with the provisions outlined in the Fair Credit Reporting Act. Specifically, under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), these accounts are in clear violation of failing to report accurate information. 

Attached to this correspondence, you will find copies of all letters previously sent regarding this matter. I expect prompt acknowledgment of receipt and swift resolution of these issues. Failure to comply will result in further legal action being pursued to ensure my rights are upheld and justice is served. 

I urge you to prioritize this matter with the utmost urgency and professionalism. My financial integrity and mental well-being are at stake, and I will not tolerate any further delays or excuses.
Product: Money transfer, virtual currency, or money service

Hello XX/XX/XXXX I believe or XX/XX/XXXX I sent money to a friend I meant to send it from my debit card because I know transactions usually come out right away this transaction I did through Venmo I sent my friend some money I guess when it was time to have them take the money out they said venmo gave the money on my behalf which I never asked them to do and nowhere in any of their polices that I saw or asked a rep by the name of XXXX to provide me with a policy or something that clearly states venmo will front the money on your behalf if its not there because I still got a nfs fee by my bank so that was already taken care of but venmo fronted the money so now they want me to pay XXXX dollars because I did pay XXXX dollars and then XXXX and then I thought why am I paying this I did not ask anyone to front the money for me I didnt ask anyone to do anything for me so I strongly believe I dont owe anything I should not owe anything I provided polices that I found on venmo account I just got done talking to XXXX they sent the transaction to collections already and I spoke to a. XXXX yesterday who said I have to pay it meanwhile venmo doesnt say anywhere on the policy that I have read that says they front the money on your behalf because if that is the case I shouldnt of received a XXXX dollar fee from my bank which I have proof of
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX I presume that no proof of the alleged debt, nor therefor any such debt, in fact therefore exists
Product: Debt collection

Previously, XXXX XXXX XXXX  could not verify any of my personal information nor could the company provide me with any documentation I engaged in any business with snap finance. Snap Finance/DRS provided an email address to the account I do not own. The collection was deleted from XXXX. 

I have contacted XXXX XXXX XXXX, the new collection agent and I have yet to receive any correspondence that provides me with accurate information. This account should also be immediately deleted from XXXX.
Product: Mortgage

See attachments Round Point Mortgage con - pressure me under duress to signed fraudulent loan modification agreement that was connected with a fraudulent new conventional mortgage Loan that Round Point mortgage Had already taken out without my knowledge in XX/XX/14 it was refinance from a FHA mortgage loan to a Conventional mortgage loan thats where the mortgage fraud also took place along with filing a fraudulent assignment of note benefits claim.
Product: Debt collection

Debt that is not mine was assigned to Midland Credit. I have spent months writing and asking for copies of documents. I never get a reply. 

Because I am considering federal employment, I need to get this taken care of. On XX/XX/2021 I sent {$500.00} as a full settlement of the matter with a letter that said if Midland Credit Management accepted the money, it would be settled. I am attaching a copy of the letter here. In the letter I am very specific to say that if they did not agree to the settlement, then they should send the payment back. 

They accepted the payment as evidenced by the letter they sent me, also attached. 

Copies of the money order and the mail receipt are also attached.
Product: Credit reporting or other personal consumer reports

I am filling a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681I, which mandates a reasonable \investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No, XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

These are the account that i marked as inaccurate : XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports 8
Product: Credit reporting, credit repair services, or other personal consumer reports

I DISPUTED ITEMS IN XX/XX/2021 AND I HAVE A LETTER STATED THEY DELETED THE INCORRECT ADDRESSES. UPON CHECKING ON MY REPORTS AGAIN THIS MONTH XXXX IT STILL SHOWS THE OLD ADDRESSES BEFORE. WHAT IS GOING ON. PLEASE REMOVE THESE ADDRESSES FROM MY ACCOUNT. IT DOES NOT BELONG TO ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to my bank to get a loan and they told my that they couldn't approve me at that time. I have been with this bank for 20 years. I went and pulled my credit and there are some items on my credit that still are not mine. I have contacted the FTC and the police. I'm doing this on my own behalf. XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX and XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting an account inaccurately which is a violation of XXXX XXXX standard. Transunion claims to have investigated and verified this account however that is a lie. I have attached a sceeen shot of my most recent credit report. The account for XXXX XXXX XXXX is reporting a date closed as XX/XX/XXXX. XXXX is reporting the date closed as XX/XX/XXXX and XXXX is reporting this account as closed on XX/XX/XXXX. All of these can not be correct. The ending balance could not have changed since there was no activity on the account since it closed. The closed date must be the same for all 3 credit reporting agencies. Also if you previously investigated and updated this account for accuracy why is the high balance reported ( XXXX ) lower than the original balance? ( XXXX ) That would be impossible. This proves no investigation was actually done.
Product: Debt collection

A year ago I dealt with a scammer that got me to open a bank account and then proceeded to try to commit fraud using my account. My account was locked and I notified the bank of the fraud but was told that I would have to wait for them to contact me. I started getting calls from a woman named XXXX XXXX who claimed that she was from the fraud prevention department of XXXX. I finally got the call from her instead of it going to voicemail on XX/XX/XXXX. She claimed that if I didn't pay them {$500.00} that they would press criminal charges and I would go to jail. So I ended up paying them using my rent money because I didn't want to go to jail for being duped by a stranger. Come to find out they were actually from a debt collection agency called Ashton and Weinburg Inc and not who they claimed at all.
Product: Credit reporting or other personal consumer reports

Experian credit bureau is reporting incorrect information on my credit report. I have requested an investigation and submitted all supporting documents but they have failed to resolve the issue. 
I currently have XXXX XXXX loans with a total debt of {$40000.00}. 
Experian is reporting that I have XXXX XXXX loans and a debt of over {$82000.00}, which is completely incorrect! 
They have duplicated all of my loans. 
I originally had my XXXX XXXX loans with XXXX servicer but they were all transferred out in XX/XX/2023 to XXXX servicer, my current servicer. 
Experian failed to remove XXXX from my credit report and instead added XXXX more XXXX loans with XXXX showing a total of XXXX XXXX loans in my credit report. 
Ive spoken to XXXX and XXXX and they verified that this incorrect information is not coming from them, as they are only reporting the correct information the XXXX XXXX loans with XXXX. 
Ive been getting the runaround for a mistake that is not mine. Experian told me I needed to contact XXXX because they had to fix the error, XXXX told me XXXX my current servicer needs to fix the error and XXXX told me they cant do absolutely anything. 
I dont know what else to do this is affecting me greatly in my finances as well as causing me much distress.
Product: Credit reporting, credit repair services, or other personal consumer reports

This agency is in violation of 15 USC 1692g. They were to notify me of this in writing XXXX  days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.