23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with Fair Credit Reporting 609, the list of account below has violated XXXX XXXX ACCOUNT NUMBER # XXXX it a charge-off but they reported it as a collection. 
XXXX XXXX XXXX XXXX XXXXXXXX an inaccurate reporting date. 
XXXX XXXX XXXXXXXX an inaccurate reporting date. 
XXXX XXXX XXXXXXXX an inaccurate reporting date. 
XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX it's a collection but they reported it as a charge-off to. 

Also the credit bureau took more than 30 days to complete my investigation.
Product: Money transfer, virtual currency, or money service

I am writing to file a formal complaint against Truist Bank for the mishandling of a significant funds transfer and potential discriminatory practices based on XXXX profiling. 
I have been a customer of Truist Bank and recently initiated the process of transitioning my banking services to XXXX. Due to transfer limits on my new XXXX account, I opted to transfer my funds to my husband 's account at XXXX XXXX XXXX XXXX. After successfully setting up and verifying this external account through Truist 's online banking system, I proceeded with an initial transfer of {$5000.00}, which was completed without issue. 

However, difficulties arose during a subsequent attempt to transfer an additional {$5000.00} from my savings account. Noticing an unusual delay, I visited a Truist branch for assistance. A bank representative informed me that the transfer was processed, but not yet reflected in my app, and assured me that I could proceed with closing my Truist account. 

Subsequently, it was revealed that Truist had erroneously flagged this transfer as fraudulent and halted its completion, yet the funds were already debited from my account. Attempts to resolve this issue have been ongoing for over a month and a half. Initially, Truist stated they were awaiting an invoice from XXXX XXXX to confirm the non-receipt of funds. However, as of yesterday, Truist claimed ( via a phone call with client dispute representative XXXX XXXX ) that the funds were transferred to XXXX XXXX on XX/XX/XXXX. This claim was contradicted by XXXX XXXX, which confirmed, upon providing the trace number XXXX, that they had not received such funds. It appears that the funds are still with Truist, but they have somehow misplaced my funds. This leaves me without access to my {$5000.00} which is causing significant financial distress. 

Furthermore, I am deeply concerned about the potential XXXX bias involved in this incident. A Truist representative in the fraud department indicated that the transfer was flagged due to my husband 's XXXX name. The representative 's line of questioning specifically, whether I had met my husband in person and if he was not someone I met online from overseas was not only inappropriate but suggested XXXX profiling. My husband is an XXXX XXXX of the United States military and a XXXX citizen, qualifications necessary to hold a XXXX XXXX account. 

This experience with Truist Bank has been distressing, both financially and emotionally, and raises serious concerns about the bank 's operational integrity and commitment to fair and non-discriminatory practices. I urge the Consumer Financial Protection Bureau to investigate this matter promptly and ensure that such incidents are not repeated, while also securing the return of my funds. 

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

I have attached and FTC with inquiries I did not authorize
Product: Student loan

I have contacted Navient repeatedly to provide me with updated documentation that my accounts are reported accurately, which I am disputing and they have failed numerous times to provide me with any documentation as to my repayment history. This is in direct violation of the FCRA, and has resulted in them reporting late payments on numerous accounts. I can not make payments on time if I do not have the information available to do so.
Product: Debt collection

In XXXX 2015, I entered a debt relief program with XXXX XXXX XXXX. A POA signed by me was sent by XXXX to Umpqua Bank, one of my credit card creditors. Contact address and telephone number for XXXX was given to Umpqua. During XX/XX/XXXX, I was contacted at least XXXX times by ELAN, a company that represents Umpqua, and informed them that XXXX was handling the matter. In one call, the ELAN employee even gave the XXXX phone number to me, evidencing the fact that Umpqua had so informed them. After threatening a complaint to the FTC and AG, on XXXX XXXX, I received a call from XXXX XXXX, a supervisor at ELAN who promised I would receive no further calls. Despite that promise, and after giving him XXXX 's address and phone number, I received another call from ELAN on XXXX XXXX, and again today, XXXX XXXX, from an employee named XXXX. XXXX claimed they never got a POA from XXXX, although Umpqua, its principal certainly did. XXXX 's number at ELAN is ( XXXX ) XXXX, and address is Cardmember Services, Att'n : Support, XXXX XXXX XXXX, XXXX XXXX , MO XXXX. After speaking to XXXX, I called XXXX XXXX XXXX XXXX XXXX, and was told that ELAN did have their address and telephone number and had been contacted by XXXX and told they represented me. 

ELAN 's repeated calls to me are a clear violation of the Fair Debt Collection Practices Act. I am enrolled with XXXX because they have determined that I am eligible for the debt relief program in light of the hardship created in the last few years by the expenses for XXXX, XXXX XXXX, XXXX XXXX, my substantial drop off in income over the last XXXX years due to the economy. Yet ELAN apparently thinks it can harass me despite this program and the law. 

ELAN/Umpqua should be dealing with XXXX and they know it. I can only guess that they hope to harass me into dropping out of this compassionate program. Please investigate, and if you determine I am correct, fine or otherwise penalize them so that they will no longer do this to me or any other consumer.
Product: Debt collection

Previously sent a cease and desist letter to this company but they've still been in contact with me.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1666B the account XXXX XXXX XXXX XXXX is a billing error. I am requesting that this account is changed to paid as agreed never late. Please see the attached consumer report which shows the inaccuracy in the payment history. How is XXXX reporting 30 days late in XX/XX/year> while XXXX and XXXX are reporting that the account was 30 days late in XX/XX/year>. At this time, I am not asking for a goodwill adjustment, I am requesting that this information is updated due to misinformation and negligence. Please update the account to paid as agreed never late. Please see the incorrect information on the credit report attached. I contacted the creditor to inquire about the payment history, and they informed me that the credit reporting agencies are not correctly furnishing the information that the company is providing
Product: Checking or savings account

Bank of America wrongfully denied a claim about services not rendered and removed a credit of XXXX dollars without warning, it led to a long chain of repeated overdrafts and hardship during this pandemic. They then applied three different overdraft charges for the same transaction
Product: Credit reporting or other personal consumer reports

Subject : Comprehensive Grievance Regarding XXXX XXXX 's Misreporting and Failure to Provide Required Documentation Dear CFPB, I am writing to file a comprehensive grievance against XXXX XXXX concerning multiple issues related to the reporting of my account and their failure to provide required documentation. Despite repeated attempts to resolve these matters directly with XXXX XXXX as well as XXXX, Experian, XXXX and the credit bureaus, I have encountered significant obstacles in rectifying the following issues : 1. Incorrect Reporting of Last Payment Date : Despite providing evidence of the accurate last payment date, XXXX XXXX and the credit bureau continues to report an incorrect date, resulting in adverse effects on my credit profile. 

2. Misreporting of Charged-off Status as Bad Debt : XXXX XXXX has inaccurately marked the account as charged off as bad debt without providing me with a proper profit and loss write-off statement. This misreporting has further exacerbated the negative impact on my creditworthiness. 

XXXX. Failure to Provide Form 1099-C for Forgiven Debt : Despite the forgiveness or cancellation of a significant amount of debt, I have not received a Form 1099-C from XXXX XXXX as required by law. This omission has left me uncertain about the tax implications of the forgiven debt and has hindered my ability to fulfill my tax obligations accurately. 

These issues collectively demonstrate a pattern of misconduct and negligence on the part of XXXX XXXX, which has caused undue harm and distress to me as a consumer. I urge the Consumer Financial Protection Bureau to conduct a thorough investigation into these matters and take appropriate action to ensure compliance with relevant laws and regulations. 

Thank you for your attention to this matter. I look forward to a swift resolution and the restoration of accuracy and fairness in the reporting of my account. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Different inquiries are on my account and I was being billed from a random marketing company.
Product: Money transfer, virtual currency, or money service

I was sent money through and app and it was held for 15 days which resulted in late payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

From XXXX XXXX social security number is XXXX. XX/XX/59. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ny XXXX My complaint is that I have five negative accounts on my XXXX XXXX report that are charged off, the negative accounts are credit card accounts that are charged off can you please have XXXX XXXX dispute the 4 averse accounts that are charged off. And my complaint with XXXX there are XXXX negative items their are XXXX XXXX XXXX  and XXXXXXXX XXXX and XXXX charge card. I'm disputing the negative items as fraud and and my complaint with experian is I have four negative items s there show all charged offs I'm disputing this as fraud there XXXX XXXX and XXXXXXXX XXXXXXXX .all four negative items on experian are fraud please have experian disputes items
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I went to XXXX XXXX at XXXX XXXX XXXX in XXXX, California for a consultation. The staff member I met with proposed a service package and price. I was uncomfortable with the price and told her that I could not afford it. She responded by offering an installment payment plan through a third-party company called Greensky. I asked multiple times to confirm that it was NOT a loan product and it would NOT be attached to my personal credit. It was simply an alternative payment option to pay over time as I attended my treatment sessions. I agreed to this payment option. 

A couple weeks later the COVID pandemic began and XXXX XXXX  suspended services. I was ( and still am ) a XXXX XXXX worker working directly with XXXX XXXX  patients. When XXXX XXXX  reopened it was not safe for me to expose myself, XXXX XXXX staff, or my patients to illness for an optional cosmetic procedure. I informed them that I was suspending my service indefinitely and cancelled my appointments. They understood and did not have an issue with this. 

Greensky frequently sent me bills in the mail for these services that I was not receiving. When I would call the numbers on the bills to explain the situation, I could not get through to them. They continued to send bills for services that I was not receiving. Eventually they acknowledged my issue and established internal case number XXXX. Screenshot attached. To my knowledge I never received another update on this case, and I'm not convinced that it was given true consideration or resourcing. 

On XX/XX/XXXX they sent notice that a " temporary suspension of payment obligations on your Patient Solutions loan due to the COVID-19 pandemic '' would end on XX/XX/XXXX. Yet during this same period of XXXX - XXXX, XXXX they were actively reporting that my ( unauthorized ) payment obligations were past due to credit bureaus. I've attached screenshots documenting this. 

This month I became aware that this derogatory mark for late payments is still on my credit report, which has harmed my ability to pre-qualify for loans, increase my credit limit, and qualify for rental housing, among other issues. 

Upon researching Greensky I became aware that they have frequently engaged in nefarious business practices just like the fraud I've experienced, as documented in GREAT detail in a XX/XX/XXXX Consent Order File No. XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 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, U S DEPT OF ED/XXXX, XXXX XXXX XXXX Company Inquiries : 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, credit repair services, or other personal consumer reports

15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identify theft, not later than 4 business days after the date receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identify theft! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15U.S. Code 1681b-Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protect consumer. NO CONSENT IS IDENTIFY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed some inquiries I do not recognize to no response from company. Attached is my last letter sent to them. 

I did call each place and they have NO RECORD of me and to contact transunion.
Product: Checking or savings account

I contacted my bank Capital One on around XXXX to talk w/them about some items on my account that I have not received yet ( I will insert a list as attachments ). Now the reason why it took me quite a while to bring this to their attention, to be honest, I was distracted by work and now I am finally at a time where I can access my finances. And I also waited for so long because I wanted to do a thorough investigation about whether I received these products or not. They stated that some of these items were made via chip ( meaning I guess I did this in person ) and some were not, I asked Capital One to provide me with the Ones that were involved via chip and they stated, " we don't know, our system says, [ chip inserted ] '', but we can not tell you which One was used by the chip, or not, which made me even more upset. So now I feel like I am out of money and product. 
I am wondering what Capital One 's " Fraud '' department doing if not trying to detect fraud. Any other time they will contact me and ask are you making this purchase when I am trying to make a big purchase and I have to let them know or text them back yes I made this purchase, but is it too much to ask that if their " Fraud '' department can actually do research on companies they may see shady and contact the customer, alerting - we have found this site on our SCAM list and is fraudulent transaction or something like that to REALLY keep the customers safe. 
I am extremely disappointed in capital One about the way they handle this situation in making me feel like I was the villain instead of the victim. I have enclosed some attachments showing that I have tried to contact these companies and trying to get my money back and I have not gotten a response. 
I can eliminate some of the items that I just received ; months later, but there are still a few items I have not received, that I know I have reached out or tried to reach out to the companies that still have my money and I still have not gotten any product. Also, Capital One said they show where I have received these items, PLEASE SO ME PROFF OF ANY OF THESE ITEMS THAT I HAVE RECEIVED! I need the receipts on what they are showing that was sent to me. 
I do not believe in getting things just for free depending on the person that is giving away said items, but I am telling the truth when I say there are still items I did not received and I have attached the ones that I did not get. And also, I there are still items of companies that I do not recognize on my bill but Capital One says that I did do this w/o proof. At the end of the day I just wanted to be made whole of what I am out of and to be compensated and not told that, I need to do it myself and its your fault, bottom line I know its my fault for believing that a company advertise on the internet would automatically be fraudulent but the point is you dont know until you make a purchase and never receive your item.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX acct # XXXX, has violated my rights. 
15 USC 1681 section 602 A states I have the rights to privacy. 
15 USC 1681 section 604 A section 2, It also states a consumer reporting agency can not furnish an account without my written instructions. 
15 USC 1681 ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information, Any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 USC 1681 s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Attached in the complaint is a copy of the debt validation I received from XXXX, which shows on my credit report as a ( charge off, charged off as bad debt ) which was sent to a collection agency and on XX/XX/2021 was settled which is the other document attached. The other document attached is from XXXX XXXX which shows the account was settled on XX/XX/2021. I have been trying to get XXXX to recognize this for over a year now and update my credit report accordingly. Now that time has past here is the evidence and the laws of the constitution that must be abided by. Now is not the time to update my file I want the account DELETED from my credit report in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance wit the Fair Credit Reporting act. The List or accounts below was in violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXXXXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account XXXX XXXX, XXXX Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states 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 then 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 thst the information is inaccurate
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Account Information XXXX XXXX XXXX This is my third request to have this issue resolved, I am writing to formally dispute the inaccurate reporting of my account with XXXX XXXX XXXXR on my credit report. Upon reviewing the account details, I have identified several discrepancies that violate my rights under the Fair Credit Reporting Act ( FCRA ) and Truth in Lending Act ( TILA ). I request that this account be removed entirely. 

Identified Discrepancies : Inaccurate Charge-Off Reporting : The account reflects multiple charge-offs dating back to XX/XX/XXXX through XX/XX/XXXX, despite being marked as paid in settlement. The FCRA requires accurate reporting, and ongoing charge-off statuses are misleading, misrepresenting the current state of the debt. 

Failure to Update After Settlement : Following the settlement of {$530.00} in XX/XX/XXXXXXXX XXXX the account should no longer report as charged off. Under FCRA ( 15 U.S.C. 1681c ( a ) ), it is required that once a debt is settled, the account status must be updated accordingly. The lack of an updated status is inaccurate and unfairly portrays my financial obligations. 

Overlapping Negative Information : The account shows both past-due statuses and charge-off statuses within the same reporting periods, leading to potential confusion regarding my creditworthiness. According to FCRA ( 15 U.S.C. 1681e ), credit reporting must be clear and not misleading. This overlapping reporting harms my credit profile without justification. 

Misrepresentation of Payment History : The history of the account includes numerous charge-offs, which creates confusion about my payment obligations. The Truth in Lending Act ( TILA ) mandates clear disclosures, and this accounts reporting does not reflect the true nature of my payment history, thereby violating consumer protection standards.

Negative Impact on Credit Profile : The ongoing negative reporting associated with this account has caused significant damage to my credit score. Under the FCRA, credit reporting must be fair and accurate. The presence of inaccurate charge-off statuses and multiple past-due reports unfairly damages my credit standing.

Request for Resolution : Due to the inaccuracies outlined above, I request that this account be corrected to accurately reflect the paid settlement status or be removed from my credit report entirely. If this information can not be verified as accurate, it must be deleted, as mandated under FCRA ( 15 U.S.C. 1681i ( a ) ).

Next Steps : I ask that you conduct a thorough investigation of this account and provide me with the results within 30 days, as required by law. If the inaccuracies can not be resolved, I expect the immediate removal of this account from my credit report. Additionally, I request a corrected copy of my credit report reflecting these changes.