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

I had a Business Account with Truist for quite some time. Truist sent me an offer that read if I opened a checking account ( their Promo offer was for {$400.00} ). I walked into the XXXX XXXX in XXXX and opened a Personal Checking Account and the teller agreed that within 30 days I would receive the {$400.00} credited into my account. 

This never happened. They tried to use an excuse that many years ago I owed them some money ( which I denied ) and nothing was followed through and they did not honor they agreement and advertisement. Now they are adding on felonious charges to the account and reporting false information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  is showing this car loan verified but with XXXX  it is not on my credit at all.
Product: Debt collection

Complaint against BAYSIDE capital services Total amount to settle account {$510.00} Verbally agreed and set up {$100.00} payment for XX/XX/2021. 
They withdrew the {$100.00} plus an additional {$560.00} on the XXXX of XX/XX/2021. 
They wrongfully withdrew another {$460.00} on XX/XX/2021. 
When I called they told me to call my bank to get the funds because they have no history of them taking the {$460.00} XXXX XXXX was rude and unapologetic After they wrongfully pulled out the additional {$560.00} they sent me a letter saying my account was paid off.
Product: Credit card

Bank of America Continues to report derogatory information to national credit reporting agencies after a year of disputing information that was considered identity theft and fraudulent transactions that where done in my name. after receiving documentation from local law enforcement, on XXXX XXXX 2015 member of bank of America fraud dept XXXX XXXX Supervisor after doing investigation ask and told all three national credit agencies to remove the information from off my consumer credit file. which was removed and placed back on my file two weeks later without any proper notice or warning of actions they intended on taking. which was a violation of fcra laws that protects against financial institution rescinding or placing fraudulent information on consumers protection files. On XXXX XXXX 2015 member of Bank of America Fraud dept By name Of XXXX XXXX discovered that bank of America never mailed out card or any corresponding documents that would had allowed me to opportunity to dispute the charges as well them never taking into account the police documentation that they received naming the people that had done the fraud. On XXXX XXXX 2015 Bank of America assigned the information to XXXX XXXX XXXX and associates which is a debt collection firm and sending me an order to cease and desist from calling bank of America about the account and that any thing i needed to discuss had to go thru XXXX XXXX based out of georgia which is a debt collection firm, Which representative by the name of XXXX XXXX XXXX alerted me that they where unable to remove the information from my consumer credit file and that i needed to speak with another third party collection company which whom they moved the debt to by the name of XXXX XXXX XXXX XXXX out of XXXX North Carolina. Which all are refusing to re-removed the debt under fair credit reporting Act As well Fair Credit Billing Act, North Carolina Fair debt Collections Practices Act. After Speaking with XXXX XXXX In the victim assistance unit for bank of America she refused to remove it even though knowingly she admitted that there were mistakes done on bank of America 's behalf and that she does n't have to speak with me and forwarded me back to the following collections agencies after having over 300 days to rectifiy the matter. Also there where no account statements sent to me. As they continued to report derogatory information in my name. And not doing a comprehensive investigation. Had took my rights away as a consumer to resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a part of the Equifax security breach and would like to file a complaint against Equifax. The following is the statement I received after entered my personal information on their website regarding the breach : " Based on the information provided, we believe that your personal information may have been impacted by this incident. '' Sincerely, A XXXX XXXX American
Product: Debt collection

please remove these are not mines. i never had these before. im a XXXX  worker this is hurting my employment. 

COMENITY BANK/LNBRYA COMENITYCAPITAL/XXXX COMENITY BANK/TORRID
Product: Debt collection

I am Being told that I owe a debt for something that i have no recollection of. Not only that i was out of the country on the dates being charged, therefore i know for a fact It was not Me. A company by the name of XXXX XXXX XXXX XXXX XXXX Account number ( XXXX ) claiming the amount of XXXX $ is owed. This company not only has never sent me a bill, but the time line in and of itself is questionable. why would a two month old debt be sent to collections and futhermore, how can this company claim they are owed by someone whom wasn't even in the country at the time. This is simply a means of malicious and illegal tactics to get money out of unsuspecting people.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX am writing to dispute the charge off account XXXX that appears on my credit report. I recently became aware of this account and have concerns regarding its accuracy and the impact it has on my credit history. I request that you thoroughly investigate this matter and provide me with a detailed explanation of the account in question. 

First and foremost, I would like to address the nature of a charge off and its implications. A charge off is typically an accounting procedure where a creditor considers a debt to be uncollectible and writes it off as a loss. It is important to note that a charge off does not absolve me of the responsibility to repay the debt. However, it is no longer considered a collectible asset by the creditor and is instead classified as a liability on their books. While I understand the financial implications of a charge off, I believe there may be grounds to challenge the accuracy of this account.

I am requesting that you provide me with the following information regarding the charge off account : Detailed account history : Please provide a comprehensive breakdown of the charges, payments, and any other relevant transactions associated with this account. It is crucial for me to understand the origin and validity of the debt.

Verification of debt : I request that you provide evidence to substantiate that the debt is valid and that I am indeed the responsible party. This includes providing copies of the original signed agreement and any subsequent documentation that proves my obligation to repay the debt. 

Compliance with the Fair Credit Reporting Act ( FCRA ) : I kindly ask that you ensure the accuracy and completeness of the information you report to credit bureaus in accordance with the FCRA. Please investigate whether the proper procedures were followed in reporting this account, including any required notifications and validation of the debt.

15 U.S.C 1666B : A Creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason.

15 USC 1666b ( a ) a creditor can not report late to a consumer report for any purpose to why are you furnishing this false and deceptive information.

5 USC 1666b ( 4 ) ( 5 ) - company failure to provide statement within 21 days is a violation, please remove late payment ; statement shows positive balance instead of negative which is a billing error and therefore no payment was due ( how can I pay on a positive balance )
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 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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. 
XXXX XXXX, XXXX Account # XXXX XXXX XXXXl Account # XXXX XXXX Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair Credit Reporting act. The list of accounts below has violated by federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
ACCOUNT NAME : XXXX ACCT # XXXX , ACCOUNT NAME : XXXX XXXX ACCT # XXXX ACCOUNT NAME : XXXXXXXX XXXX XXXX XXXX ACCT # XXXX ACCOUNT NAME : XXXX XXXX ACCT # XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCT # XXXX ACCOUNT NAME : XXXX XXXX ACCT # XXXX ACCOUNT NAME : XXXX XXXX ACCT # XXXX ACCOUNT NAME : XXXXXXXX XXXX ACCT # XXXX ACCOUNT NAME : XXXXXXXX XXXX ACCT # XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCT # XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCT # XXXX ACCOUNT NAME : XXXX XXXX ACCT # XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCT # XXXX ACCOUNT NAME : XXXX XXXX  ACCT # XXXX ACCOUNT NAME : XXXX XXXX ACCT # XXXX ACCOUNT NAME : XXXX XXXXXXXX XXXX XXXX ACCT # XXXX ACCOUNT NAME : XXXXXXXX XXXX ACCT # XXXX 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 : 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 conviction 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: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding 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. They informed me that recovering lost funds impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams. 
This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 


XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$640.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$640.00} ; DEPTEDXXXX XXXXXXXX Balance : {$0.00} ; DEPTEDXXXX XXXXXXXX Balance : {$0.00} ; DEPTEDXXXX XXXXXXXX Balance : {$0.00} ; DEPTEDXXXX XXXXXXXX Balance : {$0.00} ; DEPTEDXXXX XXXXXXXX Balance : {$0.00} ; DEPTEDXXXX  XXXX Balance : {$0.00} ; DEPTEDXXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I was taken by XXXX to XXXX ( AZ ) XXXX XXXX on XX/XX/XXXX for a XXXX XXXX XXXX and remained there for a week. On or about XX/XX/XXXX I received an invoice from a billing department or company saying they represented XXXX XXXX XXXX I have XXXX and XXXX. The bill was for a total of {$45000.00} The form stated I owed a balance of {$1300.00}, which was a surprise. I tried almost immediately to determine the basis for the {$1300.00} and never got an answer. Instead, fromXX/XX/XXXX through today I was contacted in writing by six ( 6 ) different debt collectors, each demanding the name amount. Each time I wrote a letter demanding to know how the debt amount was determined. None of the debt collectors responded. Instead a new debt collectors showed up. A few months ago I opened an account on XXXX XXXX and was horrified to see that a debt collector by the name of Central Portfolio Control posted a collection for {$1300.00} to by XXXX credit report with a new date of " Opened XX/XX/XXXX'' - more then 4.5 years after the last date of last action. There is no address listed for the company on XXXX XXXX. Three times using the dispute function I disputed the debt with XXXX. The only replies were verified by creditor. Besides this being a surprise bill from XX/XX/XXXX, both XXXX and Central Portfolio Control are intentionally mistating the date of the alleged debt and intentionally harming by credit record and XXXX score.
Product: Debt collection

In early 2016 I discovered a derogatory on my credit from XXXX XXXX XXXX for {$170.00}. I immediately called them and told them I had never had service with them, especially during the time frame they claim. I filed an Identity Theft Claim with the FTC and filed a police report. I proved it by sending them proof that I was in a XXXX XXXX XXXX in Colorado at the time. I later discovered my ex-wife had used my credit to open several accounts ; some she paid and some she did n't. XXXX agreed and immediately removed the entry from my credit from all three credit reporting agencies. Two months later, a derogatory showed up on my credit from XXXX XXXX for the same {$170.00}, who had taken over XXXX and their old receivables. I went through the same drill with them ; they agreed and removed the entry. A few months after that again appeared the same debt for {$170.00} from XXXX XXXX which had taken over XXXX. I went through all of the drill again ; they agreed, and removed it from my credit. A few months later, a collection agency called XXXX XXXX posted the {$170.00} debt as a Collections account. Once again I proved I did n't owe XXXX anything, they agreed and removed the entry. Now last month, I see that another collection agency, XXXX XXXX XXXX has again posted a {$170.00} collection account to my credit. How do I stop this from just keep happening over and over. XXXX claims they long ago had written off the debt and agree I do n't owe them anything. But all of the subsequent companies just keep buying up old a/r lists and put it on people 's credit in hopes that they will get paid off because they are harming said credit. This is just plain extortion.
Product: Money transfer, virtual currency, or money service

The company, Robinhood, did not inform me that I would be charged a {$100.00} fee to transfer/close my brokerage account. They charged me after the fact. The information is only posted on their FAQs, which was not highlighted to me. If I had known, I would have found a different way to close my account without a fee.
Product: Money transfer, virtual currency, or money service

I was incarcerated XX/XX/XXXX and released XXXX XXXX. After my release I recovered my account that I originally has my my {$600.00} and {$1400.00} IRS payment deposited to with Current Mobile Banking prior to my incarceration. After recovering my card account info I discovered that I only had {$94.00} left in my account but I should have had a total of {$2000.00} in my account from my stimulus payments. I then discovered that there were 4 merchants that had unauthorized transaction made to my account and 1 of the merchants had multiple unauthorized transaction. The other merchants that had unauthorized transactions only had XXXX transaction from each merchant and those merchant refunded my account up to 2 days later after the unauthorized charge. The last merchant with multiple charges did not refund. I contact current mobile and sent in evidence showing them that I did not have access to my account due to me being incarcerated from XXXX XXXX to XX/XX/XXXX. They did and investigation and sent me a email stating they did not find an error. I did not understand the outcome and why I didnt receive my credit back when I showed evidence that I did not and could not use my account because I was Incarcerated at the time that the transaction were made. So I contacted Current Mobile banking with more evidence to prove my case. They sent me an email stating because it had been more then 120 days since the transaction were made that they no longer had refund transaction rights to that merchant and basically that I wasnt getting my money back that was unauthorized to use. I feel that I have a right to receive my money back that was unauthorized to use. I did further investigating my self and called one of the unauthorized merchant to figure out if I could find any info on who could have stolen my card account info. The merchant owner proceeds to tell me that some one had committed fraud and stole a variety of different debit card numbers and charged those card numbers to there company and that there financial group caught it and were able to refund the money back to the victims of the scam that happend and that I was one of the victims that it happend to. I sent the email over to current support group to show them that it was someone who hacked my account t info while I was Incarcerated and that thats what I believe happend to the other unauthorized transactions and that 3 out of the 4 refunded the unauthorized transactions except the one merchant who had multiple unauthorized transactions and I have not heard back from current since. I feel that current should reimburse me my money that was not authorized to use.
Product: Checking or savings account

I've been trying to withdrawal/transfer my money from my robinhood account to my personal bank account without success. The first time the problem was fixed and i was able to transfer the money successfully, but now again i'm in the same situation. I already sent my passport card and the page from my passport book photo. twice. Now on, you said like I changed my name or something, which I don't. I don't think I'll need to fill the form to change my name because my name hasn't changed since I was born. I really need to be able to withdraw my money like I already did in past times. I've been requesting for call support from your end without any success either.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/2XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

For account ending in XXXX. Last for of the card is XXXX. XXXX  sent an incorrect statement to XXXX XXXX about my application being a fraud account when I did not report that. XXXX XXXX closed my account after that. I have been working with them to reopen my account. They are stating they are waiting for XXXX  and Transunion to put it back on my credit report. It is currently showing on my XXXX  report. This has been ongoing since XXXX and it is now XXXX. 

I'm unable to use my card and this has stressed me out completely. I called XXXX XXXX on XX/XX/12 to make a payment and XXXX told me I could not make one. It was reporting to Experian as past due when I couldn't make payments and did not know it was showing as past due as my account wasn't viewable online and I'm not getting statements because my statesment are online only but I can't change that due to no online access. I only knew because I got a " friendly reminder '' in the mail stating I was 2 payments behind. I want this corrected. Do I have to obtain an attorney to get this fixed on my credit report?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX