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

As USAA cites in their response to complaint XXXX, I requested two open disputes be withdrawn on XX/XX/year>. As of writing this, they not only remain open but, are the sole reason my account remains open and the funds that are rightfully mine, are kept from me. 

As I initiated the disputes, they should be immediately withdrawn at my request. 

As such, my account closure would not need to be delayed any further. 

USAA is intentionally delaying closure of my account without just cause.
Product: Checking or savings account

During the week of XX/XX/2017 I contact BOA representatives both over the phone and at the branch to complain about the overdraft fees that were charged to my account intentionally. I complained that the mobile banking transactions that I see always show me that I have sufficient amount to cover my transactions. However, when I check again the same day or a day after, I notice that I was charged an overdraft fee, and the sequence of the transactions were reversed so that an overdraft fee is charged first before my transactions are settled. I also complained that for transactions that occur a week earlier, bank of america still shows it as " processing '' even though the transaction is reflected in my avaiable balance. I showed the representatives what I see on my mobile banking and they could not explain how I ended up with the overdraft fees. Instead I was told never to believe what I see on my mobile banking ; that rather I should always log in to my desktop or laptop to check my transactions. I also complained that bank of america has designed its algorithms so as to intensionally optimize its overdraft fees charges. I also asked why my checks were on hold for more than a week instead of making it available to cover my transactions. I was told that as a new client, my account must be opened for 90 days before my check can clear. So I asked why prior checks were not placed on hold and were cleared within a business day? No one both at the bank and on the phone could answer my quesiton. I have attached pictures of transactions from my mobile banking and how Bank of America intentionally withheld processing transactions until after it charged its overdraft fees. In less than a month, I have been charged almost {$300.00} in overdraft fees.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX SS : XXXX XX/XX/year> Credit Bureau Dispute of Account Verification Accounts : XXXX XXXX  Account Number XXXX XXXX Balance {$2600.00} XXXX XXXX Account Number XXXX XXXX Balance {$8400.00} XXXX Account Number XXXX  XXXX Reported Balance {$9200.00} XXXX XXXX Account Number XXXX XXXX Reported Balance {$16000.00} Dear Sir/Madam, I am writing to dispute the information on my credit report related to the above-referenced accounts. According to my recent credit report, this account was verified by your bureau as accurate. However, I am requesting a detailed explanation and method of verification for this account as stipulated under the Fair Credit Reporting Act ( FCRA ).

Under the FCRA, specifically 15 U.S. Code 1681i ( a ) ( 6 ) ( B ) ( iii ), I am entitled to know the method used to verify the information on my credit report. Therefore, I request that you provide me with the following information : 1. The name, address, and phone number of the person or entity who verified the accuracy of the account information.

2. A description of the procedure used to verify the information.

I believe that the information reported is inaccurate and I am requesting that you re-investigate this account. Please correct or remove the disputed information as soon as possible, and send me an updated copy of my credit report.

In the event that you find the information to be accurate, please provide me with a description of the process used to determine this, including the name and contact information of anyone contacted during your investigation.

Additionally, please notify the furnisher of the information of my dispute and provide them with all relevant information regarding this matter as required by 15 U.S. Code 1681i ( a ) ( 2 ).

I expect a response from you within the 30-day period as required by law. If the disputed information is not corrected or if I do not receive a satisfactory response within the specified time frame, I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) or seek legal counsel.

Thank you for your prompt attention to this matter.

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

On XX/XX/2023 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes and concerns. Section 611 ( A ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/2023, to update the suspicious information in my file, I think you have not validated these accounts in my credit report Please verify these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score.

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that ar
e adversely affecting my XXXX XXXX and financial reputation.
Product: Vehicle loan or lease

Applied for a new vehicle XXXX for the principal, and felt like I was destriminated against
Product: Student loan

I am continually receiving calls from Sallie Mae student loans. It is a recording asking me to call and set up payment. I have called the number multiple times to explain that I do NOT have any student loans, they were paid off between XXXX and 20 years ago. The cell phone number they are calling in new to me ( 4 months ) and they tell me each time they are removing the number from their records, but I continue to receive calls about every 2 hours from XXXX to about XXXX. This has been going on for more than a week. The last time I spoke with them I told them that I would be reporting them if I received another call and I have continued to receive calls.
Product: Checking or savings account

Chime denied my claim and will not provide more information on why my claim was denied. The original purchase was an online company that was fraud in the amount of {$1300.00}. I want my money returned to me.
Product: Credit reporting

XXXX cable company requested their equipment after my account was closed and it was returned they never posted it nor updated my credit files.
Product: Mortgage

I was approved for a modification. I made my last payment on XXXX XXXX XXXX  but was applied XXXX XXXX XXXX I am assuming because it was a holiday. This broke my agreement and cutomer service said I had to reapply for another modification. I was approved for a new modification with a ballon payment of {$88000.00}. I had to reject this new agreement to try and find an alternative such as a repayment plan. I can not reach my relationship manger by phone. I have a phone appointment for XXXX XXXX XXXX Customer Service can't help with anything other than taking a payment. My past due balnce is {$5300.00}. My total amount due XX/XX/ will be {$7200.00}. I am trying to reslove the issue with no luck.
Product: Payday loan, title loan, personal loan, or advance loan

Unfortunately I've been subject to a predatory loan by OppLoans ( https : //www.opploans.com ) who gave me a loan of {$3000.00} with an interest rate of 159 % which is in direct violation of the The Predatory Loan Prevention Act ( SB 1792 ) requiring lenders cap interest rates at 36 %. XXXX XXXX signed this act into law in 2021. OppLoans by OppFi has been named in federal lawsuits : https : XXXX " OppFi is an online lender that uses a rent-a-bank scheme to try to skirt state and local laws limiting high interest rates loans. Its business model is focused on lending to consumers with below-average credit, '' says the Attorney General for the District of Columbia .
Product: Credit reporting or other personal consumer reports

Please promptly remove the public record currently appearing on my credit report. I have provided supporting documents for my request and appreciate your swift attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021
Product: Vehicle loan or lease

As conditions stated for certified promissory note # XXXX, ( Accepted by Santander on day XXXX of XXXX XXXX. ) Santander in no longer legally entitled to or may collect for the listed collateral ( XXXX XXXX XXXX XXXX VIN NUMBER XXXX ) in accordance with FDIC laws on payment acceptance and honorary acts. Payment in the form of promissory note ( Legal tender ) was offered ( sent to Santander Usa ) on XXXX XXXX XXXX for ( {$25000.00} ) this amount would fullfil the payee 's contractual obligations, ending the contract and clearing said payee 's name of any debt that may be associated with listed account, and grant any and all collateral to payee. This payment was NOT SENT BACK ( ACCEPTED ). Payment from XXXX XXXX XXXX with co-owner XXXX XXXX will be deemed as accepted on the XXXX day of XXXX XXXX governed by conditional acceptance laws. Granting will be the above listed collateral and its integrities to the payee. Uniform Commercial Code U.C.C. - ARTICLE 3 - NEGOTIABLE INSTRUMENTS ( 2002 ) PART 6. DISCHARGE AND PAYMENT 3-603. TENDER OF PAYMENT.

3-603. TENDER OF PAYMENT.Since this issue I have had to obtain counsel ( a ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument, the effect of tender is governed by principles of law applicable to tender of payment under a simple contractual obligations.

( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an indorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates.

Santander was asked to produce the following and have yet to comply.

Santander has been asked to provide the following supportive documents and have yet to provide any.

1.Present your payment regulations and guidelines. -Provided we have obtained a copy from your website that state and support the claimants cause. Show proof that accepted payments wo n't be honored and under what conditions will they not be honored under after acceptance.

2.Evidence that this customer 's ( promissory note # XXXX XXXX ( legal tender/payment ) was not accepted as payment. By your facility.- Review conditions of acceptance.

3. The conditions attached to the promissory note..that stated " if not returned within 30 days this instrument is deemed as accepted as full payment for the account number ( XXXX ) please explain how these conditions would not apply to your bank? Granted you are in a legal binding contract.

4. If the legal tender/ ( Promissory note # XXXX ) was sent back please provide evidence of to such action. 

By law a consumer may request this information when disputing a payment with the creditor.

This company did not return my payment or deny it but they are refusing to honor it. Since this claim has been brought to their attention I 've been forced to obtain counsel due to no compliance on their end. A cease and desist order was issued to them, and they are still actively attempting to collect from me.
Product: Checking or savings account

I had a bank account with bank of america savings as well as checking. Both had money in them totaling around {$500.00}. They decided to close my account and they issued checks. By the time I received the checks they were expired. I called to have the checks reissued which took me over 4 hours on the phone waiting on hold to only be transfered to 6 different departments to then get hung up on.
Product: Debt collection

Accelerated Financial is reporting that I have an outstanding collection balance with their organization for {$1600.00}. I have informed them, and provided proof, that I resolved this balance with the original creditor back in XXXX of 2018 ; but they refuse to correct the account on my credit report. I am uploading a copy of my final resolution sheet from the original creditor, showing the account was settled, and I have no outstanding balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Bankruptcy isn't mine. Please remove it among the other 2 accounts. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello i'm writing regarding account on my credit reports that do not belong to me and was opened fraudulently i tried to handle the issue with credit bureaus but not a big help its still there.I checked my credit report and they had a wrong date of birth and addresses there to which i sent credit bureaus copy of my driver license with my real date of birth and an ftc report in which they did not responded and the account still remains on my report dramatically lowering my credit score.I will go ahead and attach the FTC report to my complaint and i expect credit bureaus to block inaccurate information.I also went ahead and talked to the creditor and found out that whatever information they have on their end the account that was opened under my social security number did not match with my date of birth or address that i reside on
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : Upon reviewing my credit report, I noticed discrepancies on my credit report section, which I believe is inaccurate. I am requesting your assistance in investigating and correcting this information. The account XXXX XXXX XXXX is removed from my XXXX and XXXX but still showing up on my TransUnion credit report. Please correct these inaccuracies on my my credit report. According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information on my credit report. 15 USC 1681s-2 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

When I checked my credit report today, I was surprised to see incorrect accounts listed, and I dont understand how they got there. I regularly review my credit report, but these discrepancies appeared out of nowhere. I tried refreshing my browser to see if it would resolve the issue, but the errors remained. Given this situation, I kindly ask for a thorough review of the documents I provided to ensure this problem is resolved permanently.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/2022, I filed a complaint against the credit bureaus credit reporting and improper use of my credit report. The bureaus response to my complaint was that they would " re-investigate my consumer report '' for the accounts that I listed is violating my rights and would respond back within 30-60 days.

According to the FCRA the term " investigate a consumer report '' means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with whom he/she is acquainted or who may have knowledge concerning any such items of information. 

They stated that my accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FCRA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. 

Acct 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

XXXX XXXX is purposely inaccurately reporting to consumer reporting agencies and bureaus after I requested validation of debt for account for {$440.00}. XXXX XXXX is reporting the following information : Date of last activity, Date reported, Date Account Opened, Last Payment. I have disputed this with the credit bureaus and Capital one has validated the debt with the credit bureaus and purposely neglected providing me with proper validation informatio.
Product: Checking or savings account

Today, XX/XX/XXXX, I checked my Discover XXXX  account only to find a {$1000.00} withdrawal that was authorized/submitted/processed XX/XX/XXXX. I called Discover as I did not recognize or authorize the transaction and was told to contact XXXX to see if it was on their end since it was coming from a XXXX XXXX account ( my main checking account is with XXXX  ) I did not authorize or approve any withdrawals from my Discover XXXX Along with this, there was a random hold that was put on my XXXX account transfer TO BE DEPOSITED to my Discover savings and my XXXX XXXX account. 

After reaching out to XXXX they determined it was not viewable on their end who initiated the {$1000.00} withdrawal from my Discover XXXX as well as not being able to determine why there was a hold placed on my account. The representative at XXXX said it was possible my Discover savings has been compromised I will shortly contact Discover again today to inquire furthermore about the unauthorized withdrawal and possibly see which account it was withdrawn too
Product: Credit card

Received AMEX gift card from work. 

Attempted to use online. Declined even though the card had all available balance and was activated Called customer service. Card was blocked by AI and couldn't be reversed. Had to send a new card. Was told the merchant was white listed and wouldn't have an issue Received new card, same issue
Product: Debt collection

The Debt was paid in full on XX/XX/2019. It is reflecting in my credit that it is " Paid Charge Off ''. This is for FMC-OMAHA SERVICT CT. I want this removed from my credit for all credit agencies.
Product: Credit card or prepaid card

On XX/XX/XXXX I made a federal income tax payment of {$7000.00} and {$170.00} through the tax payment preparer software website XXXX which was for federal income tax and the payment processing fee associated with paying it with a credit card. I made this payment transaction through my Amex Business Gold Credit card with the understanding that I would earn Amex Membership Rewards points back on the payment and the payment would count as an eligible transaction towards the sign up bonus of XXXX Membership Rewards points for {$10000.00} of purchases within the first 3 months of opening the card. Income tax payments to the IRS are not excluded from the offer and through earning points through the Membership Rewards program according to my terms and conditions of the credit card upon signing up. I also receive regular marketing emails from Amex stating the following " Earn Rewards on Your Tax Expense - You can earn rewards on your tax-related expenses by putting IRS payments on your Card using secure payment processors ''. 

On XX/XX/XXXX I submitted a formal complaint to Amex through their customer service representatives over the phone regarding the decision to not deem my IRS income tax payments as eligible for Membership Rewards or towards the sign up bonus. 

I received a decision for this initial case on XX/XX/XXXX. The decision from this case was the following according to the customer service representative " We've thorougly reviewed your concern and please know that eligible purchases do not include fees or interest charges, purchases of traveler 's checks, purchases or reloading of prepaid cards, purchases of gift cards, person-to-person payments, which includes federal income tax payment, or purchases of other cash equivalents. '' and " ... our backend team determine that the charge for {$7000.00} is ineligible purchase towards your welcome bonus .... ''. 

The company is refusing to uphold the terms of their card sign up bonus nor what they are marketing in their email marketing communications to card holder members. The reasoning for denying the charges from being eligible for Membership Rewards is contradictory with the companies own language on their website and marketing emails as well as what is in the sign up terms for the bonus they offer to new card members. I was effectively tricked into paying my federal IRS income taxes through a credit card, paying a fee for doing so due to the payment processor requiring a fee by credit card and then being told that these transaction despite not having any language towards not allowing them from being eligible ( in fact the opposite if you are to believe the marketing emails I receive weekly regarding this point ), are actually not eligible.
Product: Credit reporting or other personal consumer reports

Kindly remove the unauthorized accounts from my credit report without delay. I did not authorize or recognize these accounts. In accordance with USC XXXXg, I formally request their removal within 15 days. Relevant supporting documents are attached for your thorough review.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im just mailing you to let you know, respectfully, that you are incorrectly reporting some information on my credit report. Im pretty frustrating to be honest, but I know that mistakes happen. I trust youll fix the situation. Heres the wrong info : 1. XXXX XXXX  Account Number : XXXX THIS ACCOUNT IS INACCURATE I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME 2. XXXX XXXX  Account Number : XXXX THIS ACCOUNT IS INACCURATE I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME