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

i closed my checking account # XXXX in person at the branch in XXXX, MA. 2 weeks later, the account was " reopened '' due to a payment being debited to a XXXX XXXX credit card that was attached to the account. There is absolutely no way that an account should have been " reopened '' because of this. If anything, I would owe a late payment to XXXX XXXX. Santander Bank has no right to be paying my bills from an account that I closed. This is fraud. 

The representative on the phone told me that even though an account is closed, Santander Bank has an obligation to pay any bills attached to it. It 's not Santander 's obligation to pay my bills. If anything, i would have to deal with the issue with the debiting bank. It should be noted that the representative specifically stated that the account was " reopened. '' With all of the sales practice concerns and inappropriate account openings occurring at large financial institutions, i know this is a buzzword for the industry.
Product: Bank account or service

On XXXX/XXXX/15 at XXXX atm location XXXX I went to the atm to make a cash deposit as I always do. The bank was closed at this time. I selected the option to make a deposit and put the amount of {$640.00} into the slot that collects the deposits. After that the machine said there was an error and the atm was unavailable to use. It rejected only {$2.00} cash instead of giving back the amount I inserted of {$640.00}. Then a receipt printed out saying " deposit error unable to process transaction ''. I then called the bank and reported what happened and filed a claim. Following that I faxed a copy of the receipt the atm printed to the bank. I received a provisional credit for the amount of {$630.00}. Then I received a letter on XX/XX/XXXX stating they reviewed my account and they determined the transaction was processed correctly and no error had occurred and they would be deducting the {$630.00} provisional credit on XXXX/XXXX/15. I then called the bank again and was told that there was no overage in the atm so they had to deny my claim. There was no review of the surveillance tape which you would have been able to see me count the {$640.00} and deposit it into the atm. If my transaction was processed correctly and no error occurred then there would be record of my deposit and the atm would not have printed a receipt saying deposit error unable to process transaction. I feel that the bank failed to thoroughly investigate my claim. I am also going to small claims court to file a claim to take this matter to court. I have had the same checking and savings accounts for thirteen years, since I was XXXX years old and have never overdrawn my account or had any negative activity. After always having the same accounts and being comfortable with the company for so long I will now have to take my business elsewhere. Enclosed is a copy of the receipt that printed out at the atm and also the letter I received stating my claim was denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, Experian, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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.
Product: Credit reporting or other personal consumer reports

I wish to dispute the following information found on my TransUnion credit report. I was a victim of ID Theft. There are inquiries on my TransUnion credit report that are fraudulent and do not belong to me. I've already filed an FTC report.The inquiries are : XXXX XXXXXXXX XXXX  and XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXXXXXX Finance, personal XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - Finance, personal - XX/XX/XXXX XXXX XXXX- XXXX  and XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX- XXXX  and XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX
Product: Student loan

I filed my borrower defense to repayment in XXXX of 2015 and Navient has still not put XXXX of the ffelp loans that shows up in my name into administrative forbearance despite several emails to the department of education and despite Navient putting all of the other loans under my name into administrative forbearance. I will not talk on the phone with them because they always end up lying to me or lying about allegedly not receiving documents I send. I want written communication only. I was the victim of for profit fraud and I want the administrative forbearance I am legally entitled to. They had this account in forbearance. I do not know why it isnt anymore but I am being threatened with default when I filed my borrower defense to repayment for these loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained my free credit report on XX/XX/2018. It was at this time that I noticed a Bankruptcy that was attached to my credit file. On XX/XX/2018, I sent a certified letter to Equifax. The letter was dated XX/XX/2018. In the letter, I stated that I did not know the source of the bankruptcy and therefore, this was a violation. ( Letter attached ). I called and spoke with a representative concerning the inaccurate, negative mark on my report. The representative stated the information related to a bankruptcy was verified accurate by the United States Bankruptcy Court. Soon after, I received the Equifax investigation results. Equifax stated that the bankruptcy was verified through a third party, XXXX XXXX. I submitted a letter to the United States Bankruptcy Court. In the letter I asked how the credit bureaus or any third party agency verfiies a bankruptcy for a debtor? The bankruptcy court responded in a letter dated XX/XX/2018. The letter stated that the " Court have no jurisdiction over credit reporting, nor do they provide information to the credit agencies or verify the accuracy of such records.. '' I also initiated an investigation with XXXX XXXX. I finally received an answer from XXXX XXXX on XX/XX/2018. Their results indicated that XXXX was unable to verify the accuracy of bankruptcy within the timeframe as outlined by the Fair Credit Reporting Act and subsequently removed this record from my XXXX XXXX report. 

I submitted all of this information on XX/XX/2018. It was not removed, nor did I receive a response. I called Equifax on Monday, XX/XX/2018 to once again dispute the bankruptcy that still remains on my credit file. The representative told me he would attach the documents previously sent on the new dispute. The next day my credit score drops XXXX points and Equifax is listing a new bankruptcy! I called and spoke with " XXXX '' yesterday, XX/XX/2018 and was told my documents were " out of date '' and that I would need to resubmit everything I had already sent to PROVE my case. Equifax wants me to waste more money and time to fix their error. I will not! As a consumer I have done everything I needed to do. I have provided more than enough adequate support. 

This is absurd! I have been trying to resolve this issue for nine months and I keep getting the run around. I have completed my research, documentation, spent money and time. The representatives are reading off of scripts and no one truly provides the consumer with what is suppose to be FAIR! I know my rights!
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 - I faxed a letter to National Credit Adjusters , LLC, Attn. : XXXX XXXX, XXXX XXXX XXXX XXXX., XXXX, KS XXXX concerning Re : Acct # XXXX ( as shown on my credit reports with all 3 bureaus ). 

The letter ( which I have attached ) was addressing an account National Credit Adjusters , LLC has placed on my credit reports after that had been previously removed from my credit reports as not being valid. 

XX/XX/2020 - National Credit Adjusters , LLC closed the account on my XXXX  credit report, but it still shows a balance owed reporting of {$670.00}. Their entry on my credit report should, by law, be removed permanently from my credit report ( s ). 

XX/XX/2020 As of the date of this complaint ( today ), the accounts are still reporting as open and owed on both my XXXX  and XXXX  credit reports.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX I paid off my credit card balance of {$430.00} in XX/XX/year>. I requested a XXXX from XXXX  XXXX XXXX to write off as income since they wrote my account off as a charge off with the IRS. This means not only did they get the credit from IRS they also received a payment from me. 

My credit report from XXXX  XXXX XXXX is being reported as a written off. This is fraud.
Product: Credit reporting or other personal consumer reports

I looked at my report yesterday on XXXX XXXX and I noticed several inaccuracies and incomplete things on my consumer report. According to the FCRA consumer reporting agencies should follow reasonable procedures to assure maximum possible accuracy of the info concerning my report in which it relates. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Also according to 15 USC 1681s-2, a person shall not furnish any information relating to a consumer reporting agency if the person knows/has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called TransUnion on XX/XX/23. I dialed ( XXXX ) XXXX. I spoke to a male agent in the XXXX who identified as XXXX. My call was on or around XXXX XXXX XXXX 
I told the agent the call center in the XXXX has agents that have been deliberately disconnecting the call on me. The agent then said due to my unprofessionalism, he is going to end the call. He then disconnected the phone call. I was not unprofessional. This prevented me from filing a dispute. There is inaccurate information on my TransUnion credit report. Consumers have a right to submit a valid complaint. I then called back a few minuets later and spoke to a agent who identified as XXXX in the XXXX. This agent then immediately disconnected the call at the very beginning of the phone call. 

This has become the norm at the XXXX XXXX and is highly inappropriate.
Product: Credit reporting or other personal consumer reports

This is my refilling of this complaint. I am rewriting to complaint to EQUIFAX about the reported incorrect and inaccurate information on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX # XXXX XXXX, FL, XXXX, and my name is XXXX XXXX. My birthdate is XX/XX/scrub>XX/XX/XXXX I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove the late payments them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. I have attached the FTC report with the report number XXXX as a proof that I am serious on this matter.
Product: Credit reporting or other personal consumer reports

The following accounts are fraudulent accounts which were NOT initiated be me. These accounts were initiated on the dates listed in a fraudulent manner. I am requesting that the following inquiries be REMOVED from my credit reports : XXXX XXXX, date XX/XX/XXXX XXXX XXXX XXXX date XX/XX/XXXX XXXX XXXX Bank date XX/XX/XXXX XXXX XXXX XXXX date XXXX XXXX XXXX XXXX date XXXX XXXX XXXX / XXXX XXXX date XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX date XX/XX/XXXX XXXX. Date XX/XX/XXXX XXXX XXXX date XX/XX/XXXX XXXX XXXX  date XX/XX/XXXX XXXX XXXX XXXX XXXX date XX/XX/XXXX XXXX XXXX  date XX/XX/XXXX XXXX. Date XX/XX/XXXX XXXX XXXX. Date XX/XX/XXXX XXXX XXXX. Date XX/XX/XXXX XXXX XXXX. Date XX/XX/XXXX XXXX XXXX XXXX. Date XX/XX/XXXX XXXX. Date XX/XX/XXXXXXXX XXXX XXXX Date XX/XX/XXXXXXXX XXXX. Date XX/XX/XXXX XXXX XXXX. Date ( No date listed ) XXXX. Date XX/XX/XXXX XXXX XXXX. Date XX/XX/XXXXXXXX XXXX. Date XX/XX/XXXX XXXX XXXX. Date XX/XX/XXXXXXXX XXXX. Date XX/XX/XXXX XXXX XXXX. Date XX/XX/XXXX XXXX. Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX  date XX/XX/XXXX XXXX XXXX. Date XX/XX/XXXX XXXX Date XX/XX/XXXX XXXX XXXX. Date XX/XX/XXXX XXXX. Date XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXXXXXX XXXXXXXX XXXX  {$3800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi XXXX ; Credit Bureaus ... ..I 've disputed this account before with both the creditor and credit agencies ( XXXX, Transunion, and XXXX ) and it's impossible that this charge off account was ever investigated because the account status was never updated and there are 3 different dates of last active, dates of last payments, inconsistent payment history, 3 different dates of open, and inconsistent high balance and 3 different account numbers and name, etc. Please DELETE this account for Inaccuracy because there are different dates of last activities : ( Date Last Active : Transunion:XX/XX/XXXX ; XXXX  : XX/XX/XXXX & XXXX  : XX/XX/XXXX ). You cant report different dates and years of activities like this! Its imperative that this be accurate because it determines when the account naturally falls off. And its also re-aging the account prior to me disputing it. This is a violation. Please DELETE immediately from my credit report. 

Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws.

Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigate
d and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit Reporting act Convergent Account # XXXX U S Dept of EDXXXX XXXX has violated my rights. 
In accordance with the Fair credit Reporting act Convergent Account # XXXX U S Dept of EDXXXX XXXX has violated my rights. 
In Accordance with the Fair credit Reporting act Convergent Account # XXXX U S Dept of EDXXXX XXXX has violated my rights In Accordance with the Fair credit Reporting act Convergent Account # XXXX XXXX has violated my rights. 
In Accordance with the Fair credit Reporting act Convergent Account # XXXXXXXX XXXX has violated my rights In Accordance with the Fair credit Reporting act Convergent Account # 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 a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

PORTFOLIO RC ( Original XXXX XXXX XXXX XXXX ) : has failed to validate that this account is reporting maximum possible accuracy per the FCRA. I have initiated several attempts through the credit bureaus and collection agencies to have this account validated and has not received a response and I have reason to believe that reasonable procedures were not conducted on these accounts due to the current violations I have found as if relates to my credit profile and unverified accounts. 


605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Product: Debt collection

This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on my consumer report recently. 

I have made previous attempts to fix these issues directly with them and They are violating my rights and I'm entitled to {$1000.00} for every violation I listed, they either pay me or delete these accounts ASAP.
Product: Checking or savings account

Since XX/XX/23 I made a wire transfer for XXXX dollars since XX/XX/23 my funds got rejected by the bank where i did the transfer which was a international wire transfer so why PNC never gave the funds back if the bank never got the funds in the first place which i know for a fact the wire is returned to the client if funds get rejected and at least notify the client when the rejection was stated on XXXX XXXX and with reason its been over XXXX weeks never received the XXXX dollars back and just to add never been notified about this rejection and of top of that they are wasting time and resources for this XXXX dollar wire
Product: Money transfer, virtual currency, or money service

Im 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 was 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 repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of transparency and accountability is unacceptable and raises serious concerns about consumer safety.
Product: Checking or savings account

I had a Bank of America account that was closed due to fraud activity. It was a {$20000.00} check deposited into my account that was not me. Bank of America didn't even have a procedure to where I can file fraud or anything they just closed my account. Now I can't open a account with XXXX XXXX XXXX XXXX until the hold is taken off my account. I have talked to XXXX XXXX security and early warning services. They have gave me my consumer report and I am now here to file my Dispute. I hope I'm at the right place filing my dispute because I need my card now. The {$20000.00} check was not me and it caused my account to get closed. Bank of America has poor service for fraud activity and I was not protected.
Product: Debt collection

Real simple case here that XXXX and Merchants Credit Association has ignored. This is about a {$88.00} bill that I can easily pay BUT I refuse to since XXXX  incorrectly billed me and Merchants Credit Association ignored my response to their letter where I clearly disputed the validity of this alleged debt. 

Details : - My family and I rented a house and XXXX supplied garbage and recycle services. 
- My family and I moved out at the end of XX/XX/XXXX. 
- During early XX/XX/XXXXwe contacted all the utility companies and told them we had moved out. 
- XXXX kept billing us so I called and disputed the billing. 
- The owner of the house also called XXXX and he was told that there was no outstanding bill. 
- Fast forward a few months and I get another bill from XXXX. I again called and disputed such. This time they asked for proof of us moving. I happily emailed them the official USPS address change confirmation. 
- I hear nothing from XXXX for several months until I get a collection letter from Merchants Credit Association out of XXXX, WA - I obviously dispute the Merchants Credit Association attempt to collect a debt. I include the USPS email showing our change of address confirmation as well as a letter from the owner of the house stating that we moved out and that the bill is his not ours. 
- A few months go by and I hear nothing from XXXX or Merchants Credit Association BUT I get an email that my Equifax credit report has changed and when I look there is a collection from Merchants Credit Association. 

How can they get away with adding a silly $ 90+/- collection to my credit report when I clearly disputed this debt? 

I have the ability to pay the silly {$90.00} but since I do not owe this bill I chose not to pay it. Now it has cost me several hours of work and stress! 

Merchants Credit Association is probably gambling that I will just give up and pay a bill/debt that I do not owe due to the incredible hassle to prove I do not owe it. 

WRONG! - I will pay a lawyer {$1000.00} to clear this up before I pay XXXX and Merchants Credit Association for their obvious mistakes. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, WA XXXX Merchants Credit Association XXXX XXXX XXXX XXXX, WA XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian has my old residential number on there which is incorrect. XXXX has an address I have never lived at in XXXX, Delaware and has residential number that no longer exists. XXXX has an old employer I used to work at that needs to be taken off. 

My employer is XXXX XXXX for the past 3 years XXXX current that needs to be updated. 

I have paid every month since XXXX currently non stop. So why is my current debt to income ratio so high. Something is not being reported, XXXXXXXX XXXX  and XXXX. Please help me understand.