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

On XX/XX/year> I noticed funds were being withdrawn from my mother 's - who is XXXX XXXX XXXX - Bank of America checking account. I called the bank and spent more than an hour trying to deal with the issue. The bank was to put a fraud alert on the account to stop withdrawals. Over {$8000.00} was taken. I removed the rest of the funds. 

On XX/XX/year> more funds were taken so Bank of America was called and I was told that Bank of America did not put the Fraud Restriction on the account as they should have. I was told that now no more funds will be removed. BoA credited back some of the funds but they were taken by the new fraudulent transaction. 

Currently on the phone with Bank of America- it has been over 40 minutes that they keep me on hold after explaining the issue - XX/XX/year> - more funds were removed from the account this morning putting it under XXXX when I was told that this would not happen. 

They are not doing what is needed to protect my XXXX XXXX XXXX mother from Fraud and wasting my time.
Product: Credit reporting or other personal consumer reports

I created documents to verify all of these accounts and these are the ones not provided
Product: Debt collection

In XX/XX/2019 I was received urgent care services from XXXX XXXX. After I received these services, I was informed that I would receive a bill in the mail. I never did receive any such bill. In XXXX of 2019, my credit monitoring service informed my that the account had been referred to collections. I also have not received any bills from the collections agency. 

Immediately after learning that my account was in collections, I disputed the information with the XXXX. I received a response claiming that my dispute was invalid. The response did not contain a reason for the rejection, nor a promise to send bills as requested or any information I could actually use to resolve the debt ( account number, etc ).
Product: Vehicle loan or lease

I explained XX/XX/XXXX that my payment was going to be late and they threatened to repossessed my suv as they had done months previously. 
Carvant FNCL closed my account on XX/XX/XXXX. Remarks : Profit and Loss Write-Off This information I found on my XXXX XXXX account. 
My suv was repossessed Tuesday, XX/XX/XXXX by XXXX XXXX XXXX XXXX. I called XXXX, MA police station who told me my vehicle was repossessed and the towing company who has it is XXXX XXXX XXXX XXXX. 
I called XXXX XXXX XXXX XXXX and the woman told me that my vehicle was listed as repossession since XX/XX/XXXX. 
I called and spoke to Carvant FNCL who immediately started to argue with me. I calmly asked the representative to transfer me to my account representative XXXX and XXXX said she's not who I need to speak to. He then transfered my call to the Repo Manager who asked me questions and told me where the vehicle was being held. He then gave me the number of the attorney handling the case, which was wrong. He said he csll he back in fifteen minutes with the verdict of what I could do to get my truck back. He never called back. So I called the name and number of the attorney the Repo manager gave me : XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX, debt collector in XXXX XXXX, NY. 
This company told me they were not handling my case and directed me to another attorney office. XXXX XXXX located in Rhode Island. XXXX XXXX phone number ( XXXX ) XXXX. My file number with him XXXX. XXXX XXXX gave me XXXX listings of what his client us not responsible for and he claimed but could not verify if the loan amount is {$19000.00}. XXXX XXXX became upset and raised his voice at me. I remained polite and calm when I told him the vehicle is not worth the price sbd no work has ever been done to it. He said to me that I said in the XXXX requirements by my client is that it's not their responsibility if it doesn't run, or parts break down. He let me know that they would be auctioning off the vehicle and coming after me for the remainder. My one problem with that is Carvant FNCL has wrote this truck off and it was closed on XX/XX/XXXX. Now it's sitting and am I responsible if I get it back. I had work done to the vehicle since I had it and that caused payments to be late. Also me and my son was homeless and still is. 
The mechanic who just changed the spark plugs found XXXX  XXXX on top of the engine and told me no one has done anything to this vehicle and it had been sitting for a long time. I replaced the exhaust because it had a hole and that was 2 months after having it, then the alternator starting going. I had to ask my kids father for the money. I went to trade the truck off and while talking to the dealer he calls XXXX XXXX and the dealer is talking about the trade in with Carvant FNCL and the Carvant FNCL rep asked to speak to me and the dealer hands me the phone and I say hello and Carvant FNCL has hung up. The XXXX, NH dealer is baffled that Carvant FNCL rep hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANIES DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred.Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credit. This issue alligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

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 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

I appreciate your time to REMOVED some of the information in my file that resulted from an alleged identity theft but I have an Items left that need to be removed or deleted. Per FCRA section 605 you are required to remove these items. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$6600.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$10000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please DELETE the accounts in my Credit Report : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I requested a dispute the debt listed on my credit report under the account XXXX XXXX as provided by XXXX. The request served as a formal request for debt validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692c.

I requested the following documentation and information : Full Payment History : I request a detailed record of the payment history associated with this account, including all payments made, amounts, and dates.

Original Contract Agreement : Please provide a copy of the original contract agreement bearing my signature that demonstrates my agreement to this debt with the creditor. 

Insurance Claim : Indicate whether there is any insurance claim associated with this debt. If there is, please provide the details and documentation supporting the claim.

Chain of Title : Provide documentation that establishes the chain of title for this debt, demonstrating that the agencys had legal right to collect on this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called Equifax 3 times to ask why my credit score dropped XXXX points within a few weeks. Each time I call they give me a different answer about why they can not provide me with any reasons why my score dropped. I feel very strongly that if a credit reporting agency has the power to raise and lower your credit score and have that information impact a consumers an ability to obtain loans, mortgages, credit cards, etc., then the information should be extremely accurate and fair.
Product: Credit reporting or other personal consumer reports

My information was leaked in multiple data breaches without my knowledge or permission, I have account charged off and closed that I dont recognize and I have late payments that I dont recognize on my credit report and I would like all of these negative items removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

The 3 major credit bureaus are reporting on my credit report unverified accounts and will not show or send proof of these accounts on my credit reports such as a original consumer contract with my signature on it. Under the FCRA 15 USC 1681i all unverified accounts must be deleted.
Product: Debt collection

Previous complaint number XXXX. 

This was the company 's response to my previous complaint : PRA sent its initial notification letter to you on or about XX/XX/2017. PRA has no record of a response or a dispute being received in relation to its initial notification letter. For assistance, please review the resources available at the Federal Trade Commissions website www.identitytheft.gov. 

So they are saying they have no record of a response of a dispute being received, yet on my previous complain I attached 9 pages that show evidence that I responded. And to make it easier and more evident, my responses where handwritten on all the 9 letters they sent me.
Product: Checking or savings account

Ally Bank 's Bill pay service is not working since morning. May be it was not working for days ( i am just using today ). Talked to Chat support ( XXXX ) and then phone support ( XXXX XXXX - except excuses they do n't have to offer anything. 
Clearing cache, browser data and did every possible thing ... using a different browser and different computer ... writing to them via secure email ... .nothing worked. 

There is a server side issue - Bill pay is getting timed out
Product: Credit reporting or other personal consumer reports

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

List of Unauthorized Inquiries : XXXX XXXX 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 : 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.
Product: Mortgage

We have been dealing with quicken Loans for the past 90 days and had a terrible experience. Back in XXXX we started the process to transition our construction loan. They told us they need XXXX 45 days. Our originally closing date was XXXX XXXX. We were going back and forth. Every week since XXXX we were told we would be closing within the week every time we called them. Never were told if any issues. Finally in the middle of XXXX after My husband had called them every day we were told about an issue with XXXX of our construction loans being unsecured. I spoke with the bank that handle our construction loan and we had that small loan changed to a personal loan so we could get our mortgage closed. It was costing us {$33.00} a day in interest and all we wanted to do was close because we were told we would be closed by XXXX originally. We continued on for several weeks almost every Monday we were told we would be closing by that Friday or Saturday. One week ago I was very frustrated and posted a comment on XXXX about how it had been 80 days and it is unexceptable. My husband and I have good credit, good income and they told us it would be a quick and easy process. We had people from the corporate calling us that Saturday trying to get the loan straightened out.Monday we had a XXXX call us telling us we were getting {$5000.00} credit and {$500.00} back in cash because how quickens handled the loan. Thursday morning The vice president of the bank we have our construction loan through and my husband XXXX way quickens because of all the miscommunications and delays. The interest rate expired several times throughout the process and i asked everytime because the interest rate expired we should get a better rate because this was not our fault and they kept giving me the same interest rate saying there was nothing they could do and they tacked on several fees i would have put more documents in the upload section but quicken loans deleted several of them they were trying to charge us XXXX for the appraisel wich is unheard of a long with several other fees but they have been removed i 'm sure they still have documentation of this.The vice president of this bank really stood up for us and told them how unorganized this process has been. After they all disconnected the call quickens called my husband and told him they could not continue because our construction loan expired XXXX XXXX. Quickens has known it was expired for two months. Now we are paying {$6100.00} in interest fees to extend our construction loan and met with an attorney about recouping our losses.
Product: Mortgage

I have tried to have NewRez pay my County and City taxes from Escrow. I first contacted them on XX/XX/XXXX via chat to notify them that my taxes had not yet been paid and were due XX/XX/XXXX. I was told a request was submitted. I also sent the tax invoice to them via their " Contact Us '' email option on XX/XX/XXXX. The e-mail was never answered. I spoke on the phone with a customer service representative on XX/XX/XXXX and was told that another request was made. Today is XX/XX/XXXX -- I spoke to someone on the chat who told me that all requests had been cancelled, though taxes hadn't been paid. I called by phone and was connected with someone in the " Tax Department '' who told me they would initiate an investigation into the matter but they still would not tell me when my taxes would be paid.
Product: Credit reporting or other personal consumer reports

On XXXX I submitted an application for a home, the rental company like many others uses XXXX rental screening services to screen me. Transunion is inaccurately reporting that I was evicted from my previous residence XXXX XXXX in XXXX I called as soon as I discovered this and the company instructed that I start a dispute. I did this and submitted the very document that XXXX forests lawyer submitted to the court stating that I didnt owe them any money and that I was not being evicted. XXXX days later I received a response from transunion stating the dispute was resolved and that after investigating they deemed the information to be valid. I asked them what information did they obtain, they stated they called the courts to confirm the information they are reporting. The courts just verified by mouth what was already being reported inaccurately trans union did not obtain any documents from the courts to prove this they just took their word. This complaint is because transunion failed to verify the validity of the information being reported in a legal way. I believe that if Transunion had asked for evidence behind their allegations the courts would have not been able to provide anything because it is not true. After reviewing court documents online it can be seen that the lawyer representing my apartment complex at the time filed the document stating I owed nothing and would not be proceeding with any eviction. However human error of some sorts at the courts did not allow for my case to be updated properly and the case is being inaccurately reported. I have possession of this document as well. And provided it as proof for my dispute.
Product: Debt collection

Previous CFPB Complaint XXXX Convergent Outsourcing has sent a response letter to my CFPB complaint regarding never receiving the notice of right to dispute. In the letter they state that a validation letter for the account was mailed to an old address, XXXX XXXX, MN XXXX. they stated they were notified by XXXX that I had moved and I left no forwarding address. They state that they believe the information they have reported to the bureau was fair and accurate information, they do n't believe they violated any laws. 

I moved in XX/XX/XXXX. I submitted a request for address change to the United States Postal Service. My Official Change of Address Confirmation Letter from the United States Postal Services states " Your mail will be forwarded to your NEW address, as you requested on : XX/XX/XXXX. ... MAIL FORWARDING EXPIRATION DATES : First Class Mail, Priority & Express XX/XX/XXXX. '' I refute what Convergent has stated, I received mail that has been sent to my old address at my current address under this current forwarding. I received mail the same week, XX/XX/XXXX that was forwarded from my previous address, stamped XX/XX/XXXX. I also include a piece of mail sent from XX/XX/XXXX, illustrating the success of forwarding to my home address. 

I also updated my address on my Drivers License, XX/XX/XXXX, a copy of the paperwork shows the date. My current home address has also been updated on my credit report. 

I should have been able to receive the initial validation notice, or at the very least, a new one could have been sent to my current address, which has been updated since XX/XX/XXXX. 

Convergent has deprived me of my chance to dispute this debt or request validation by not sending the notice as required within 5 days of contacting me regarding this debt. 

On XX/XX/XXXX I received a call from a representative XXXX, from Convergent Outsourcing. She asked me to verify my name and address, which I refused to do, and the caller ended the call. Convergent had ample access to obtain my current home address to send the initial validation letter and they failed to do so, violating 15 U.S. Code 1692g - Validation of debts I have contacted XXXX on both XX/XX/XXXX and XX/XX/XXXX regarding this matter and they are escalating a review of my account to the executive team, they have asked for 72 hours before a complaint is filed including them to the Attorney General for them to investigate these FDCPA violations by Convergent and they 're refusal to remove the reporting from the Consumer file. XXXX will receive a copy of the proof provided to the CFPB depending on the outcome of the escalation.
Product: Debt collection

I keep receiving debt collection notices from XXXX XXXX XXXX for items that were paid. I even paid for two items twice. I called numerous times and send in my payment information. I received a notice back thanking me for doing the work to look up payments but that I still owed the money!! This is fraud
Product: Debt collection

A collection recently appeared on my credit report. It is a collection agency called Sunrise Credit Services. It is for an amount that was owed to XXXX XXXX XXXX by my father, who passed away last year. It appears it was for his cell phone. Somehow The account became associated with my social security number after he passed. I have been an XXXX XXXX XXXX customer in the past, but this was not my account. I have never seen a bill, letter, etc. I had no knowledge of this collection until it appeared on my credit report when I applied for a mortgage recently. It is a problem and I have requested repeatedly that Sunrise remove this, but they will not.
Product: Debt collection

I get numerous emails with deals on a debt that is owed. Ive disputed a lot of the debt. Ive had credit pros send letters on my behalf, but the collectors keep calling and making threats to garnish my wages.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE BEEN TRYING TO REMOVE XXXX FRAUD ACCOUNTS : JP MORGAN CARD SERVICE AND XXXX XXXX XXXXXXXX WAS ABLE TO PROPERLY INVESTIGATE AND VERIFY THAT THE ACCOUNTS INDEED NEVER BELONGED TO ME SO XXXX HAS TO DO THE SAME BECAUSE THE ACCOUNTS ARE NOT MINE. Per 15 USC 1681b " the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report may be obtained for employment purposes, and a summary of the consumer 's rights under section 1681m ( a ) ( 3 ) 1 of this title '' THE COMPANY HAS NEVER SENT ME A VAIDATION OF DEBT THERE FOR THE ACCOUNT MUST BE REMOVED.