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

Previous CFPB complaint # XXXX addressed initial fraud. 

I am writing to request a formal investigation and compensation regarding Regions Bank 's severely deficient handling of my fraud claim, which demonstrates systematic failures, multiple regulatory violations, and a pattern of dismissive treatment that caused substantial harm. 

ADDITIONAL RETALIATORY ACTION The bank 's misconduct extended to wrongfully closing my account, adding another layer of harm and demonstrating retaliatory behavior. This wrongful closure : Created additional financial hardship Disrupted my banking relationships Required establishing new banking arrangements Caused potential damage to my banking history Demonstrated punitive response to my valid complaints Added another regulatory violation to the pattern of misconduct DOCUMENTED TIMELINE OF VIOLATIONS Initial Fraud ( XX/XX/XXXX ) : 54 unauthorized transactions totaling {$4800.00} occurred No fraud alerts triggered despite obvious suspicious pattern Bank failed to contact customer about clearly suspicious activity Basic fraud monitoring systems failed to detect identical repeat transactions Initial Claim Handling ( XXXX XXXX ) : Bank improperly denied valid fraud claim on XX/XX/XXXX Failed to provide provisional credit within required 10-day period Dismissed valid FTC Identity Theft Report without investigation Violated Regulation E investigation requirements No explanation provided for denial decision Extended Pattern of Misconduct ( XXXX ) : Multiple improper denial decisions Valid evidence repeatedly ignored Consumer protection complaints dismissed No substantive investigation conducted Pattern of regulatory non-compliance continued REGULATORY VIOLATIONS Electronic Fund Transfer Act ( EFTA ) & Regulation E : Failed to provide provisional credit within 10 business days Failed to conduct reasonable investigation Failed to consider all relevant evidence Failed to provide detailed explanation of findings Failed to follow required identity theft procedures Consumer Protection Requirements : Wrongfully closed account in apparent retaliation Failed to provide proper notice of account closure Failed to follow account closure procedures Failed to implement adequate fraud monitoring Failed to follow identity theft victim protocols Failed to maintain basic account security Failed to provide mandated consumer protections Failed to properly document investigation findings EVIDENCE OF IMPROPER HANDLING Bank 's Own Admissions : XX/XX/XXXX letter from XXXX XXXX ( Executive VP ) acknowledging error XX/XX/XXXX letter admitting additional compensation due Multiple refunds proving initial denials were wrong No explanation provided for 2+ year delay in correction Documented pattern of dismissive responses Systematic Failures : Failed to detect obviously suspicious transaction pattern Failed to implement basic fraud monitoring Failed to contact customer during suspicious activity Failed to properly investigate identity theft claim Failed to follow regulatory requirements
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing in regards to my XXXX account. In XXXX of 2015, my account was severely delinquent along with many of my other credit card accounts. We called XXXX XXXX XXXX, a consumer credit service, and signed up to be on a debt repayment program. Each creditor was contacted and agreed to the terms of this program to receive a set monthly payment. Since that time, I have made each and every monthly payment on time to meet the agreed upon due date. I have not missed one payment or made one payment late. I have worked very hard to repay my debt and repair my credit. I have copies of each and every payment and the disbursement to the creditor for all payments I have made. Therefore, I am disputing that XXXX has continued to show a late payment for me each month that I have been on the payment program even though they have received a timely payment each month. This account has been paid as agreed each month and has not been reported accurately on my credit report. XXXX is the only creditor that has continued to report inaccurately every month and I request that this be rectified immediately by removing the late payments from my credit reports. I am attempting to refinance my home and this inaccuracy is preventing me from doing that. Once my house is refinanced, this entire account will be paid in full.
Product: Credit card

my PNC account was hacked and used to purchase many items which resulted in my account being closed. it was a total of about XXXX, after disputing all fraudulent items, PNC the bank, close the account with a XXXX balance remaining. this card originally had a credit limit of XXXX. 

even earlier that year I made a complaints that I lost access to my account, at another unknown external account added to my account. The phone rep guiding me on hoe to regain access. I then changed my user name, password and security questions but this wasn't enough to protect my account
Product: Vehicle loan or lease

In accordance with the SERVICE MEMBERS CIVIL RELIEF ACT. Sensible Auto Lending has violated my federally protected consumer rights to Protection under installment contracts for purchase or lease under 50 USC 3952.

Sensible Auto Lending repossessed my vehicle without a court order.

According to 50 USC 3952. Sensible Auto Lending may not be rescinded or terminated for a breach of terms of the contract occurring before or during that persons military service, nor may the property be repossessed for such breach without a court order
Product: Credit card

Recently my direct deposit failed due to an error on my employer 's fault which caused a failed payment to the this card. The company immediately closed my account and refused to reopen despite the failed payment being no fault of my own.
Product: Debt collection

I Took a {$7500.00} loan in my name from Health Credit Services XX/XX/XXXX for dental work to be done for my husband by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Loan was for completion and balances that were originally began XX/XX/XXXX. The dental work agreement for services was never completed. the agreement was XXXX XXXX, 4-6 XXXX to replace XXXX XXXX, extraction of XXXX # 15, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   # 2- # 14, XXXX XXXX, 2-3 XXXX XXXX XXXX to replace XXXX XXXXXXXX and XXXX XXXX XXXX XXXX XXXX. Total amount balance at time XX/XX/XXXX XXXX was {$15000.00} of which cash of {$7500.00} was paid. On XX/XX/XXXX I took the above loan to pay the difference. The only work that was done through out 5 years was 6 XXXX  to replace XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # 15, 2 XXXX XXXX XXXX XXXX to replace XXXX XXXX My husband is walking around with XXXX XXXX XXXX XXXX, which continuesly fall off and parts have broken because they were to be temporary. He risks infections and XXXX XXXX plus he is not able to chew food properly and is having XXXX XXXX XXXX and XXXX. The dental office was closed XX/XX/XXXX by XXXX XXXX for non payment of rent. Loan payments are still being withdrawn from my bank account for services not rendered. I have spoken to Health Credit Services and they have agreed that XXXX XXXX XXXX is an associate and I also have sent a Dispute Resolution Liability Form to Health Credit Services on XX/XX/XXXX. I have no response from HCS. I've called several times to check updates, to be told that they don't have information for me.
Product: Credit reporting or other personal consumer reports

I am writing to disputed inquiries on my credit report that were made without my consent. According to section 604 of FAIR CREDIT REPORTING TO SECTION ( 15 U.S.C 168 1B ), there are specific permissible purposes for obtaining a credit. I did not authorize these account and can not find any permissible purpose under this section that justifies their presence on my report, PLEASE DELETE HARD INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Checking or savings account

I have a business account in JP Morgan chase. The bank account # is XXXX. 
On XX/XX/XXXX I made a deposit of a check in the amount of {$25000.00}. The deposit was made through a cellular application. Chase accepted the deposit and wrote a remark that the check will be cleared by XX/XX/XXXX. 
On XX/XX/XXXX the check was cleared and the amount of {$25000.00} was added to the account balance. 
On XX/XX/XXXX I received an email from Chase Integrated Payment that the account is permanently closed because the account is susceptible to a high chargeback. I called the Chase Customer Service department. Their response was : " It was hard for us to read the the name of the issuer of the check, therefore we decided to close the account ''. 

My complaints are : 1. Chase never contacted me to tell me that there is a problem with the check. They completed the process, cleared the check and suddenly closed the account without giving me a advanced notice. 
2. Chase keeps the {$25000.00} and will not return it until I show up in a chase branch with the original check. Since I am on a business trip, I will not be able to come to a Chase branch until the end of XXXX. I am not even sure that I will be able to find the original check. 
3. Chase made the deposit and gave enough time the check to clear. They didn't try to contact me either by phone, nor by email or a letter. 
4. Chase closed my business account without a warning. Now suddenly, I do not have an account to continue running my business.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've talked to the Department of Education for many months trying to get this rectified. They are reporting a past due balance incorrectly. There is no balance and it continues to say " I was late '' account number ending XXXX & XXXX. They both say past due balance from XXXX and XXXX just reported it XXXX. I've also talked to Nelnet and they informed me they will get it fixed and nothing has happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

From X/X/2016 - XX/X/2016 XXXX XXXX XXXX XXXX listed 5 month missed and late payments. There was fraud charge listed in my credit card and I have disputed the transaction with XXXX XXXX XXXX XXXX and It has been removed from my credit card transaction. But I still see this as a missed payment in my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute and address concerns regarding the way the XXXX XXXX XXXX XXXX ( ending in XXXX ), for which I am an authorized user, is being reported on my credit reports. Additionally, I kindly request that my authorized user status and membership start date be accurately reflected, as these details are vital for maintaining an accurate credit history. 


As an authorized user on the shared XXXX XXXX with my wife as the primary cardholder and my daughter also being an authorized user, it's crucial that the credit reporting accurately represents my association with this card. I highly value the unique feature of the XXXX XXXX- the absence of a traditional pre-set spending limit. This aspect offers unparalleled flexibility, making it essential that the credit reporting accurately reflects this for both primary cardholders and authorized users. I kindly request that the reporting clearly communicates that this card operates without a predetermined credit limit, as it's one of the standout benefits of the XXXX XXXX. Presently, my utilization appears inaccurate and incorrect. 


Furthermore, I've noticed that the recorded membership start date for my authorized user status isn't precise in my credit history. An accurate representation of when I became a member is essential for a detailed portrayal of my credit journey. I respectfully request that you verify and rectify this date to show a more accurate depiction of my credit history. 


While I understand that errors can sometimes occur, I want to emphasize the importance of prompt resolution and adherence to the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( a ) ( 1 ) ( A ) and ( B ) [ 15 U.S.C. 1681i ]. The FCRA mandates that credit reporting agencies and creditors, such as XXXX XXXX, handle disputes with precision and impartiality. I kindly request that this dispute be managed fully in line with the FCRA, with any necessary corrections made within the stipulated time frame. 

I request that my credit report be updated to all credit reporting agencies. 

Thank you for your time and attention in addressing my concerns. I genuinely value my relationship with XXXX XXXX and believe that through collaboration, we can successfully rectify these matters. The goal is an accurate and equitable representation of my credit history in connection with the distinctive features of the XXXX XXXX.
Product: Debt collection

After reviewing my credit report I noticed some discrepancies. The discrepancies are being reported by Puget Sound Collections. They are reporting multiple medical collection accounts from " XXXX XXXX XXXX ''. I have never received a dunning letter from Puget Sound Collections. On XX/XX/2021 I requested Puget Sound Collections to validate the debt as I legally have that right as a consumer. As of today XXXX they did not respond, I have also followed up again on XXXX. I have never signed a HIPPA release form with XXXX XXXX XXXX. Puget Sound Collections is also illegally charging interest on the alleged medical debt. I live in Florida and Puget Sound Collections is located in XXXX, WA. Puget Sound Collections is not a licensed collection company in the state of Florida. Puget Sound Collections also has might be intentionally breaking federal interstate commerce law.
Product: Credit card or prepaid card

I am XXXX XXXX XXXX and I live on my social security benefit payment and I can not continue to make the monthly payments with the exorbitant interest rate of 30.74 % on my XXXX XXXX account with Synchrony Bank. I currently have {$49.00} per month automatically withdrawn from my account and the monthly interest is {$36.00} so I will never be able to pay off the balance of {$1300.00}. I have been paying this amount for many many years so the credit card company has made an incredible amount of money from my inability to lower the principal balance. This feels like financial elder abuse and I need help. 

On XX/XX/2023 I called the credit card company to ask if they would lower my interest rate so that more of my principle would go towards paying off the balance and they said they are unable to lower my rate. 30 % interest is ripping off the elderly. 

I told the credit card company that my only option was to stop making payments completely and have the account go into default, but I do not want to ruin my credit. I need an option to make interest free payments. These big banks are committing elder abuse. I need help since they are unwilling to allow me to continue to pay off my balance interest free.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had originally had submitted a claim XXXX on XX/XX/2018 and disputing XXXX XXXX XXXX Missouri on my Chex System FIS report. I am unable to open a check or saving account due to this issue. I have now been able to obtain a statement from my lawyer as well as the indentity them case ( court document ). I have mailed it to Chex system and would like to open another complaint. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent XXXX  Communication on behalf of a collections account that is in dispute on XXXX2017. I haven't receive any information on the procedures used to verify the account with XXXX XXXX XXXX.

I have sent them multiple communications and have yet to receive anything from them, however XXXX   seems to have been able to verify this information.

At this point, my rights are being violated and these companies are not adhering to the law as they are still reporting to my credit within providing adequate responses within the designated 30-45 day timeframe.

I am having difficulty with purchasing a home and its a result of these negative items that aren't being properly verify. I understand that I'm one person against a huge organization, however my rights are protected. Something needs to be done immediately.
Product: Debt collection

Harrassing calls ask for copies to be sent to me to no avail threathing take me court calling my job. Address they provided did n't live there. Keep asking me for my bank information
Product: Debt collection

Monday morning at XXXX, I received a unknown number leaving a voicemail in a aggressive manner that if I do n't call back they will have someone pick me up where I live. It 's a payday loan from cash central. My bank account I had was closed at the time because they kept trying to take money out causing it to closed. Now they saying by XXXX XXXX, I can pay {$680.00} or {$100.00}. I never even received no email or letter. So I think they are lying and I do n't appreciate them calling my XXXX house threatening me and rushing to make a payment. Their are tons of people who owe {$4000.00} XXXX XXXX and getting away with it.
Product: Credit reporting, credit repair services, or other personal consumer reports

During the Covid pandemic I lost my job, I was out of work for about a year and I missed a payment from target, which had a program in place for cares act..that would not report late payments to the credit agencies and they would wave late fees during the pandemic I was not aware that the late payment was posted until recently this year, I have dispute this with target and the rep told me although the late payment met the requirements of the program they had in place during the pandemic he can not go back and fix it because it is illegal for him to remove late payments, I explain that its impacting my score and Im wanting to buy a house, I asked if he could at least put something on file stating I was impacted by Covid so it wont affect my credit score his response was no I cant because I was late and legally by law he can not remove it
Product: Credit reporting or other personal consumer reports

on XX/XX/XXXXXXXX  I pulled my credit report using my XXXX XXXX alert and noticed an inquiry had been made using TransUnion on XX/XX/XXXX by a company called XXXX. I do not recognize this company nor did I authorize anyone to run my credit. I was not even in the United States at the time of the inquiry. I was in XXXX visiting family for the holidays. I searched XXXX XXXX XXXX on the internet and called their number. XXXX. I requested to speak with their fraud department. They said they did not have a fraud department. I found this to be a red flag. I was not comfortable giving my SSN # to a stranger over the phone. They did run my name and verified there was not an account under my name or record of someone using my name. They advised me to call TransUnion. I called TransUnion on XX/XX/XXXX to file a dispute. I was advised that I needed to file a claim with the FTC or the Police Department. I would then need to submit that paper work with TransUnion with my case number via the mail. I also inquired as to why TransUnion is the only company that Fraudulent activity is occurring on. I have had a Fraud alert on my account since XXXX of XXXX  because I was a victim of identity theft. XXXX and XXXX have placed notifications on my Credit Report. However the fraud alert does not show on my printed report from TransUnion. If I logged in to TransUnion it shows I had an alert placed on my account in XXXX, it was due to expire in May but I edited and extended it on XX/XX/XXXXXXXX  for XX/XX/XXXX. When I asked the agent from XXXX why the fraud alert did not flag this inquiry they claim it's because I did the initial request through XXXX and not them. XXXX appeared to not have an issue. The initial Fraud Alert was placed because someone had tried to open accounts in my name through XXXX XXXX XXXX XXXX and TransUnion allowed that Inquiry to happen XX/XX/XXXX. These inquiries are negatively impacting my credit. Please advise on what paper work I need to file with TransUnion to continue my Dispute. I'd also like a direct answer on if disputing this inquiry will again negatively impact my credit score. TransUnion Representative just continued to read a pre-scripted response when I asked this question.
Product: Checking or savings account

last month i see in my statament {$850.00} mount that im not withdraw, i went to the bank and they dont help me, i need to check the person who did it and i need the money back
Product: Payday loan

Lender has contacted over XXXX times within a week, before loan is due. Request Cash U. S. A not to call home several time by mail, email, and fax. Our request was not honored.Abuse their right to collect. XXXX email and XXXX phone calls and the loan is not due until XXXX XXXX, 2015
Product: Debt collection

Portfolio Recovery Associates bo ught a debt from   XXXX   XXXX   XXXX    w hich was from Identity Theft which a relative of mine opened without my permission or knowledge. I disputed the account from the original creditor in   XXXX  . Now  Portfolio Recovery Associates  will not stop trying to collect on a debt from Identity Theft. I have provided them with a FTC Identity Theft Report. I have also requested then to send me all paperwork regarding such account but they refuse to send.     I am a victim of Identity Theft, this debt is not mine!
Product: Payday loan, title loan, or personal loan

Due to personal financial issues, I have had no choice but to resort to payday/predatory lenders and these high interest rate, last ditch effort loan companies. I borrowed {$700.00} from XXXX XXXX on XX/XX/2018. I have since repaid {$830.00}. My balance remaining is still somewhere around {$700.00} according to a XXXX XXXX employee that I spoke with on XX/XX/2018. On the website, when I try to load my loan agreement, it said " PDF failed to load '' so I am unable to view the terms of my loan. I was unaware that the loan would have such a high return ( paying over {$1500.00} for a {$700.00} loan. ) I am hoping to be able to have this account closed and listed as paid in full without me needing to make anymore payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had applied to various pre-approved credit cards on credit Karma and was denied on all of them which resulted in me get a low credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had an ongoing issue with all three XXXX  regarding inaccurate information reporting on my consumer file. The agencies have either not responded to my requests or they have marked them verified without providing proof of a thorough investigation or proof there of. I will explain further in detail in the letter and attached documents.