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

I use Bank of America and have been a customer since XXXX. I use the mobile banking app nearly 100 % of the time as there is a fee if I enter and use the branch. I use RDC ( remote deposit capture ) feature in the mobile app to deposit my bi-monthly paycheck. Today I tried to deposit my paycheck. Because there is a {$10000.00} monthly limit on RDCs, I was unable to deposit my paycheck. What happened is that I recently received a raise and now my checks are large enough that they add up to over {$10000.00} a month. I called to ask for the RDC {$10000.00} limit to be raised but the phone rep and the supervisor both told me it ca n't be raised. This is my primary complaint. How is it that a Bank will limit me from depositing my standard bi-weekly payroll? 

Second issue, I was then guided to make the deposit into a linked joint account that I share with my XXXX XXXX XXXX son. I was told that once the RDC transaction shows to the bank after the nightly processing, the next morning, the check image is available. They told me that I can then call in the morning and ask to move the deposit into the originally intended account. However, when I called back, the rep on the call said this could not be done. The rep then said the funds would not be available for 5 days. However, when I deposit my payroll check into the originally intended account, the funds are available next business day. 

So, the artificial {$10000.00} limit on RDC has cascaded into a series of bank blunders that have caused me to deposit my payroll check into an unwanted account and now the money is locked up in this account. The rep furthered that a lot of bank policy changes took place in the beginning of XXXX XXXX. However, I was never notified of these changes. '' It 's these kind of inflexible rules that hamper consumer banking. It 's difficult to make simple deposits ... and then the customer is forced into a branch to do basic consumer banking. 

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

XXXX XX/XX/XXXX, for XXXX XXXX XXXX  XXXX sine XXXX Ive contacted both several times telling them I wanted to exercise my 15 usc 1608 consumer rights
Product: Debt collection

On XX/XX/year>, I received a call from XXXX XXXX, a representative of RA Rogers, regarding the return of my vehicle title. However, I was at work and unable to answer the call at that time. 

I returned his call on XX/XX/year>, and during our conversation, he stated that RA Rogers was now willing to release my title. I responded by offering to pay the previously agreed amount of {$2100.00} and requested that, in exchange, the account be removed from my credit report. I also asked for these terms to be provided in writing before proceeding with the payment. 

Rather than acknowledging my willingness to pay, XXXX XXXX falsely accused me of refusing to settle the matter. When I insisted on a written agreement, he became rude and aggressive. The conversation ended abruptly when he hung up before I could say anything further. Before hanging up, he made a statement that felt like a threat, saying that I should know that I am in possession of the vehicle and that I am not willing to disclose its location. This statement made me feel pressured and unsafe. 

This is not my first issue with XXXX XXXX and AR Rogers. In a previous conversation, XXXX XXXX told me that I " did not deserve to get my title '', which is why I reported him to the CFPB before. This ongoing behavior shows a pattern of harassment, intimidation, and unfair treatment, which I believe violates the Fair Debt Collection Practices Act ( FDCPA ). Their refusal to provide a written agreement and their use of coercive language raises serious concerns about their business practices. 

I am submitting this complaint to document their behavior and request an investigation into their ongoing misconduct.
Product: Vehicle loan or lease

My vehicle was repossessed on XX/XX/XXXX at XXXX XXXX in the morning. I had a schedule payment of {$990.00} that was returned on Monday by my bank. I made a {$250.00} payment via XXXX XXXX on XX/XX/XXXX and call to reschedule the {$990.00} for Friday XX/XX/XXXX but was locked out of my online account. 

I never received the certified notification required by the state of Maryland. Ally Financial keeps directing me to call the repossession department. 

When calling the repossession department I get disconnected when I enter my account number or social security number. The customer service department can give me no information about why it was repossessed and has not sent any notification of repossession. 

Ally also doesnt not accept certain credit card transactions with no explanation. They take days to process scheduled payments also.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting a late payment on my credit reports for XX/XX/2022. I spoke with a supervisor on XX/XX/2022 ( Ticket # : XXXX ) and was told the late payment would be removed from my reports, however, this never happened. Additionally, according to the CARES act " If your account is already delinquent and you make an agreement, and you bring your account current, the creditor must report that you are current on your loan or account. '' XXXX XXXX  made an arrangement with me - and per the above, this late payment must be removed from my reports.
Product: Mortgage

On XXXX XXXX, XXXX I faxed a discounted payoff offer to WELLS FARGO HOME MORTGAGE for 2 loans I have with them. 

On XXXX XXXX, XXXX I spoke to XXXX with ID XXXX and she transferred my call to XXXX ID # XXXX of the Home Reservation team and she was not able to assist me therefore she transferred me XXXX of the " Re-Entry '' team of Wells Fargo Home Mortgage. 

XXXX explained that I NOT am eligible for a loan modification, however I received a letter from Wells Fargo Home Mortgage that I am eligible for options that included loss mitigation in a form of a loan modification, short sale, deed in lieu etc., she further stated that this letter was approved by CFPB. 

My concern with Wells Fargo Home Mortgage is there contradictive behavior. When I explained to XXXX that I have a letter from Wells Fargo Home Mortgage condricting her statement of eligibily of loan mod she said its " generic '' CFPB approved letter that everyone gets. 

Well I was shocked to believe that the CFPB would allow to send generic letters to go to consumers stating that they have loan modification options when in fact they do n't! 

I finally asked XXXX since according to her I am not eligible for a loan modification, what am I eligible for? She replied, deed in lieu or short sale. She said the short sale must be in 10 days prior to the sale date. 

I proceded with a short sale option and Wells Fargo Home Mortgage accepted my short sale documents but after a few days of requesting documents the loan XXXX XXXX XXXX removed it. 

My complaint is the emotional and mental abuse Wells Fargo Home Mortgage has put me through by telling me what I am eligible for in writing and then contradict themselves and then tell me I can still conduct a short sale and I commit to it and then they tell me no even when timely. 

I need the CFPB to interject and reprimand Wells Fargo Home Mortgage for the deceptive games they conduct upon consumers like myself. 

I further ask the CFPB to investigate their wrong doing and bad faith actions against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian for three months about the SC Bankruptcy docket number XXXX which is in a dispute now and has not been removed I have prove that they contacted the source, XXXX XXXX that was reporting this public information that was not mine and XXXX deleted this information since XXXX.
Product: Debt collection

I am writing to express my absolute frustration and anger at the presence of a fraudulent account on my credit report. The account in question, XXXX XXXX, is unauthorized and has severely impacted my financial standing. I was the victim & I'm not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests.
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 my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or list of inquiries 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: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you donot validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2019, I learned a credit account had been opened in my name at Barclays Bank. The card had an outstanding balance of {$15000.00}. I called Barclays Bank to notify them of the fraudulent account and was told they would investigate. I completed an Identity Theft Report at the Federal Trade Commission website. I printed the report, sent it to Barclays along with a letter requesting the account be closed and reported as fraudulent to the credit bureaus. I froze my credit report at all 3 credit bureaus and mailed them the identity theft report along with a request the account be removed from my credit report. On XX/XX/2019 I filed a incident report at my local police precinct and a police report was issued. I faxed the police report to Barclays on XX/XX/2019, then followed up with a phone to Barclays on XX/XX/2019. When I called I gave the representative the name and contact information for the Detective assigned to the case. As a result of the Detective 's investigation an arrest warrant was issued, an arrest made, and a guilty plea entered in court. The guilty plea was entered on XX/XX/2019. On XX/XX/2019, Barclays called me to inform me they had completed their investigation and determined the account was valid. On XX/XX/2019, I faxed additional documentation to Barclays, including a letter for the US District Attorney 's office documenting the guilty plea on the charge of credit card fraud. On XX/XX/2019, I called Barclays to follow up, according to the representative, the documentation faxed XX/XX/2019 had not been reviewed, but would be forwarded to the investigations team. The account remains under review. Over the last 3 months, I have received 2 letters from Barclays stating their investigation was complete and the account is valid. I have spoken with multiple representative who claim that purchases made with the card, including groceries, were household items and therefore I am responsible for the account. Every time I call Barclays, I am place on hold multiple times, transferred at least twice or asked to call back at another number. When I call, I never speak to the same representative more than once.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter describing my disputes. I pulled my weekly credit report, as allowed due to COVID-19, and all of my disputes are not reflecting in the credit report. In multiple letters I sent disputes for inquiries, account, and a collection that recently appeared. These entries should be showing " under investigation ''. Only on item is showing that when it should be multiple.
Product: Credit reporting or other personal consumer reports

I am disputing the following inaccurate accounts on my credit report, which have been wrongfully verified by the credit bureau without providing proof of verification : XXXX XXXXXXXX ( Account Number : XXXX ) XXXX XXXX ( Account Number : XXXX ) XXXX ( Account Number : XXXX ) XXXX XXXX ( Account Number : XXXX ) These accounts were either paid off, settled, or inaccurately reported. Despite multiple disputes, the credit bureau and creditors continue to report incorrect and misleading information. I am requesting that these accounts be deleted immediately, as per the Fair Credit Reporting Act ( FCRA ), which requires that credit reporting agencies must provide accurate and verified information. 

Additionally, the credit bureaus have failed to provide proper documentation supporting their claim of verification, and this is a clear violation of my consumer rights under the FCRA. '' I have completed payments or settlements for both of the XXXX XXXXXXXX accounts, XXXX, and for XXXX, I have a 1099-C debt cancellation.
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 confidential under 15 USC 1681. 

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

I've been trying to remove fraudulent accounts from my credit report. The process seems simple enough for me to request an investigation and per LAW, the bureaus have 30 days to finish their investigations and remove accounts found to be fraud. Unfortunately, that's all on paper. Reality seems to be quite different since I'm going into over 200 days and the bureaus have not only not removed fraud accounts from my report, they haven't even started their investigations since I have received no such updates. This seems odd since XXXX tracking shows the bureaus have indeed received my multiple sets of letters and have yet to do anything. This is my final option before I turn to the legal system and sue for compensations.
Product: Debt collection

I have a negative collection on my credit report for a medical debt totaling {$1500.00}. I contented ARC Management the collections agency listed and requested the origin of the debt and if it was ever filed with medical insurance. They wouldnt or could not give me an answer. Instead I was routed through two additional debt collection companies before I was finally informed that insurance had in fact paid and the amount owed was in fact {$290.00} and they can not explain or comprehend where ARC management got this outrageous amount from or why it was not removed from my report as it was routed through two other collections agencies. This entire time I have been being penalized with my credit score due to their incompetence and ineptitude.
Product: Credit reporting or other personal consumer reports

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to XXXX USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XX/XX/2022 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the account which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX. 

According to FCRA Section 605B ( a ) the 3 credit bureaus shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Mortgage

I am an XXXX XXXX military member who got orders to move to XXXX from XXXX. At that time over 2 years ago I requested a short-sale as I was unable to pay for the mortgage. I was told on several occasions that my account was not eligible for a short sale and they constantly threatened foreclosure. Over a year later I found out from my command that not only was I eligible for a short sale due to my PCS orders to move it would be an easy process. I again reached out to Citimortgage and argued this point at that time they agreed that I was eligible for the shortsale, Since then it was approved. I had a buyer for the amount that they requested. Later i found out that the decided to changed the amount. I lost that buyer not at a higher price of XXXX, they are not asking for more documentation like I need to reapply for the shortfall. This is overwhelming. I am a military XXXX XXXX and my wife is dealing with severe health problems.
Product: Debt collection

I attempted to contact Santander Consumer and XXXX XXXX XX/XX/XXXX about accounts I had with them. I wanted them to send me information on when the account was opened and paid off. I contacted them via mail and sent a certified letter. I gave them 30 days to respond. No response. Contacted XXXX about the situation and asked them to remove the debts. It has been over 30 days and no response from XXXX and I sent them a letter certified as well.
Product: Consumer Loan

I took a car loan. Out with wells Fargo dealer srvs, in XXXX, i I 've stoped getting statements from them in XXXX still made payments then they charged me for insurance starring I had none I did have ins, in time I sent them my ins, info showing I had ins, try refused to accept charging me XXXX for in ins, i pleaded with them nothing happens them in XXXX of XXXX I fshowed XXXX.left on the loan in XXXX of XXXX they defaulted my loan showing I owed XXXX.on it which is not true.called them several times to resolve this issue no results .sent letter to attorney General of Mn they sent letters four times no reply.they wells fargo, went and put on my credit report I defaulted on my loan I never missed a payment, they stopedreporting to the credit bureaus in XXXX show I am not marking payments wi c h is false, aim still marking payments on this loan, they owe me money there not will I Mn g to accept there mistakes, I 've asked. For a audit on this loan they refuse.where can I get the help I need to stop this problem with wells Fargo Dealer seves, i feel there should be a law suit filled for there XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, Shell/City issued a credit card to a thief in Florida. The balance was more than {$3000.00}. I never receive any account info from Shell. I disputed this by sending one fax, 2 mails. The document included my NJ driver license, my home equity loan bill with NJ property address, and utility bill to prove that I live in NJ since XXXX and never live in FL. So far, Shell never reply to me. When I call Shell, I was required to input my SS # and last 4 digit account #. I don't know the last 4 digit # for the fraud account based on the 3 credit union reports. All of my calls were rejected even I input my SS #. I disputed this to 3 credit unions many times, but 2 of them did not remove this fraud account because Shell 's investigation rejected my dispute many time without any reason. 
Shell also made cheating on this fraud account. The account had more than {$3000.00} balance, but its balance became zero after 120 day late payment. The thief should not pay. Shell 's cheating report made XXXX believe that I paid to the fraud account.
Product: Credit card or prepaid card

Hello, to whom this may concern. An account with account # XXXX was opened in my name on XX/XX/2020 without my authorization with JPMCB for {$6600.00}. I'd really appreciate it if this was taken care of and removed from my report. 

Thanks, XXXX XXXX
Product: Checking or savings account

I received credit monitoring alerts notifying me that my social security number had been used to open several accounts on two different occasions with Federal Navy Credit Union. I notified the bank on both instances, so they could place the alerts on their end.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Social Security Number : XXXX XX/XX/2024 Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Request for Removal of Unauthorized Hard Inquiries Due to Identity Theft Dear Experian and XXXX XXXX I am writing to formally request the removal of unauthorized hard inquiries from my credit report. After a recent review, I discovered several hard inquiries that I did not authorize, which are negatively impacting my credit score. 
The unauthorized inquiries related to identity theft are as follows : * 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 - Experian * XXXX Credit Union - XX/XX/2024 - XXXX Under the Fair Credit Reporting Act ( FCRA ), 1 have the right to dispute any inaccurate information on my report. Since I did not authorize these inquiries, I am requesting their immediate removal. To assist with verification, I have enclosed a copy of my ID, a recent utility bill, and my credit report with the unauthorized inquiries highlighted.

Additionally, I have filed an FTC identity theft report with the Consumer Financial Protection Bureau ( CFPB ).

Please investigate these inquiries and remove them from my credit report at your earliest convenience. I would appreciate confirmation once the removal is completed or guidance on any further steps required. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX