23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I have previously disputed with XXXX, Experian and XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Product: Credit card or prepaid card

I'm having difficulty accepting this issue and it's affecting my ability to sleep. I urge you to update my account immediately as I have always made timely payments, and this is causing me a lot of anxiety.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo will not accurately report my credit card balance and are suppressing my credit score and inflating my debt to income ratio.
Product: Debt collection

Capital Accounts LLC placed negative item on my credit report without notifying me, which is a clear vilation of the early-warning notice clause of FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. Request Capital Accounts LLC to remove incorrect information off my credit report. More importantly, Capital Accounts LLC are in violation of FACTA section 623 ( A ) ( 7 ).
Product: Vehicle loan or lease

The XXXX account with the account number XXXXwas marked as Charge-off with an identified balance of {$25000.00}. However, a charge-off account should have a {$0.00} balance so, my question is why does this account have a specific amount? Moreover, another error is found in the account 's " Payment history ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX  XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I provided notice of a compromised XXXX account. The investigation has taken over 30 days and has not fixed the error in my report. My notices were not " frivolous or irrelevant '' ; the error is now causing hardship - AI, algorithms, and predictive analytics are biased, inaccurate and a systematic issue. My credit score goes up and down by 10+ points when I dispute out of retaliation or just plain old bias and ignorance. The investigation did not comply with the statute and CRA did not ensure the accuracy of the information transmitted for inclusion in the report. ( 15 U.S. Code 1681n. Civil liability for willful noncompliance. )
Product: Debt collection

My parking fee was paid and they claim i did not pay. Complete lie and over charging customers on baseless claims. They have a track record of overcharging customers for baseless claims.
Product: Credit reporting or other personal consumer reports

I am writing to report serious concerns regarding TransUnion, XXXX, and XXXX. Despite submitting several disputes, the errors on my credit report remain unresolved. The specific issues are as follows : Disputed Account Not Labeled ( FCRA 623 ( a ) ( b ) ) : The disputed account has not been updated to reflect its disputed status, as required by law.

Incorrect Reporting of Date of Last Activity ( FCRA 605 ( c ) ) : The date of last activity listed is inaccurate and should match the actual date of my last payment.

Failure to Validate a Collection Account ( FDCPA 809 ( b ) ) : I have requested validation of a collection account, but it has not been properly verified.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following items on my credit report, which I strongly believe are inaccurate due to a possible data breach : XXXX - XXXX - {$5700.00} XXXX XXXX XXXXXXXX - {$0.00} XXXX  - XXXX - {$0.00} XXXXXXXX XXXX XXXXXXXX - {$13000.00} I have taken all the necessary stepssubmitting supporting documents and following up persistentlybut the errors remain unresolved. These inaccuracies have negatively impacted my finances and caused me undue stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that is free of incorrect or unverifiable information. I am requesting a full investigation into these issues and expect them to be corrected without further delay. Please ensure this is addressed as soon as possible.
Product: Mortgage

Bank of America ( BOA ) refuses to remove PMI from my loan. I borrowed {$280000.00} in XX/XX/2019 against a property that was valued at {$320000.00}. 

The property is know worth, {$380000.00} and I owe BOA {$270000.00}. I loan balance is now far less than the loan to value ration of 80 % and they refuse to accept a valuation or to remove my PMI as the loan was originated less than 2 years ago. 

This is unreasonable and flies in the face of the reason why PMI is required. I would like assistance is having the PMI removed.
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX and I am the pastor of XXXX XXXX XXXX. We use cash app to process and receive contributions from our members our cash app tag is $ XXXX ( XXXX ) We have over {$2800.00} in our cash app account and unable to retrieve these funds. We have tried contacting cash app but have not received any results. These funds are given from church members. We need these funds to operate our church.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bridgecrest XXXX XXXX XXXX XXXX XXXX, AZ XXXX account balance XXXX opened date XXXX XXXX this account is not mine I did not open this account with the company an XXXX XXXX XXXX XXXX, XXXX XXXX, CA is reporting this account on my consumer report as well
Product: Money transfer, virtual currency, or money service

Over {$500.00} was taken out of my account unauthorized
Product: Checking or savings account

Name : XXXX XXXX XXXX Account Number : XXXX Phone : XXXX XXXX XXXX Email : XXXX This is the second complaint I have had to make to CFPB about Citibank in the last number of months. It is ridiculous how incompetent your support function and your agents are that I need to do this to get simple things fixed. 

I am unable to make simple transfers from my checking to either my savings or any other external account. I get an error saying " Looks like something went wrong. Try resetting your account selection. '' ( see screenshot ) What is preventing me from moving my OWN MONEY to my own accounts? When I call the contact center, this is what happens : 1. I wait forever to get connected to a human 2. I complete all authentications ( multiple times.. via SMS, password, address etc. ) 3. You send me down a rabbit hole of re-explaining the issue over and over because I keep getting transferred and handed off to the next incompetent person 4. Get put on hold multiple times for 5+ mins - every call is an hour 5. AND WORST OF ALL, the last agent comes of hold and tells me " he can't continue the call and that someone will contact me '' and hangs up the phone I had a long running issue when there was fraud on my account from a criminal. That took Citibank 9 months to fix and return the funds to me. Perhaps this is why you put some sort of restrictions on my account? This is so bad if that is the case because that issue is resolved. Let me use my account or I will be taking my funds out and never returning to Citibank.
Product: Debt collection

After latest credit reports and national companies informing these credit bureaus that the debts are closed, the companies continue to represent something otherwise. The inaccurate credit reports poorly reflect my character, despite my righteous resolve of closing my previous debts. In other words, these credit bureaus are not only locking me out of credit opportunities, even when there are no current outstanding debts, they are actively punishing me when I have committed nothing but good behavior. With the logic of these credit bureaus, every American that tries to correct her shortcomings are further punished. I am not one person ; this is ongoing and disruptive behaviors from the credit bureaus for years. These credit bureaus deserve nothing more than major lawsuits, with stock market prices dropping to the floor.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or update of the following erroneous information on my credit report : XXXX  XXXX AUTO XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 4th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXXXXXX Balance : {$3300.00} XXXX XXXXXXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am writing to lodge a formal complaint against Navy Federal Credit Union concerning the multiple returned check fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to the lag in posting charges and credits. This issue is in line with the recent CFPB findings against Navy Federal for similar practices, where transactions were 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 or other personal consumer reports

This is my complaint about the negligence of the 3 Credit Bureaus and I alleged that they have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report with the late status of accounts resulting in significant harm to my financial standing and reputation. However, if they failed to do so, they are obliged to correct the accounts which are erroneous and unverified. I demand that they rectify this violations and provide me with accurate and updated credit report immediately. This is the inaccurate accounts that I want to correct : XXXX XXXX Balance : {$370.00} ; XXXX  XXXX XXXX Balance : {$48000.00} ; XXXX  XXXX XXXX XXXX Balance : {$1000.00} ; XXXX  XXXX XXXX XXXX XXXX XXXX {$1300.00}.
Product: Credit reporting or other personal consumer reports

Third party agencies have shared my Non Public Personal Information, in violation of the Fair Credit Reporting Act. ( Account Balances, Charge offs accounts, etc I kindly ask XXXX, Equifax and XXXX to delete from my credit report the following information : XXXX. XXXX XXXX, charge off, as per 115 U.S. Code 1692g and 115 U.S. Code 1635 XXXX. XXXX XXXX XXXX, charge off, as per 115 U.S. Code 1692g and 115 U.S. Code 1635 XXXX. XXXX XXXX XXXX, collection, as per 115 U.S. Code 1692c and 115 U.S. Code 1692g and 115 U.S. Code 1681 e ( b ) XXXX. XXXX XXXX, collection, as per as per 115 U.S. Code 1692c and 115 U.S. Code 1692g and 115 U.S. Code 1681 e ( b ) 5. XXXX, charge off, as per 115 U.S. Code 1692g and 115 U.S. Code 1635 6. XXXX XXXX XXXX XXXX, Account Number XXXX, Inaccurate or false Information, affecting negatively my credit score. 
XXXX. XXXX XXXX, Charge Off, Account Number, XXXX, as per 115 U.S. Code 1692g and 115 U.S. Code 1635 Thank You!
Product: Debt collection

I wrote and sent a Certified Letter with Read Receipt for debt validation to State Collection Service on XX/XX/XXXX at STATE COLLECTION SERVICE XXXX XXXX  XXXX XXXX, WI XXXX. In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I have requested that STATE COLLECTION SERVICE provide me with complete documentation to verify that I owe said debt and have any legal obligation to pay them. I have not received a satisfactory response within the 30 day period for Debt Validation. ( 15 USC 1692g Sec. 809 ( b ) ). I asked for the following : 1 ) Agreement with the creditor that authorizes State Collection Service to collect on the alleged debt. 2 ) The agreement bearing my signature stating that I have agreed to assume the debt. 3 ) Valid copies of the debt agreement stating the amount of the debt and interest charges. Accounting of all charges is required. 4 ) Proof that the Statute of limitations has not expired. 5 ) Complete payment history on this account along with an accounting of all additional charges. 6 ) Show me that they are licensed to collect in my state ; and their license numbers and Registered Agent. 

On XX/XX/XXXX I sent a second Certified Letter with Read Receipt for debt validation to State Collection Service at STATE COLLECTION SERVICE PO BOX XXXX XXXX, WI XXXX. The communication I received both times as shown in the attached documentation they have provided myself - did not meet FDCPA requirements. 

The documentation provided by STATE COLLECTION SERVICE does not provide : There is no Chain of Title provided that in fact evidences Standing. 

The assignment, whereas, the assignment refers to the contract between original creditor and credit  collection agency, is to be established by a written contract of assignment, which can be established through multiple documents that are incorporated by reference into the contract of assignment. The contract of assignment, however, must contain the information required by the Illinois Collection Agency Act ( ACC ) including the date of assignment, the consideration paid, interest, charges, and all accounting of the matter and the identifying information for the account. 

Illinois Collection Agency Act Section 8 ( b ) ( 225 ILCS 425/8b ) Debt Collection Agency added to this Actrequires written agreement evidencing assignment of debt, recording of assignments.
Product: Credit reporting or other personal consumer reports

I never authorized these companies to pull my credit at all. I never even did any type of business with them before. They illegally pulled my credit without written or verbal consent. To comply to 15 U.S. Code 1681b Permissible purposes of consumer reports. I never gave you any written consent to report anything on my consumer reports, no consent is fraud.
Product: Debt collection

XXXX has violated FDCPA 809. Validation of debts. The day after they received my response in XXXX disputing the alleged debt they entered false information on to my credit report. 

" If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. " I have been requesting the signed contract for this account for over 5 months now and they have not been able to produce it because it doesn't exist! They keep showing statements -- - statements do no establish who took out this alleged debt! Where is MY SIGNATURE?? Who took out this debt??? Where?? At this point I consider this harassment and defamation of character.
Product: Checking or savings account

A person contacted me saying they needed my services that Friday. They said while I am completing the service for them I will need to pay a delivery driver. They proceeded to send me a check, told me to deposit it into my nearest bank account. I deposited the check to my bank through the mobile deposit feature. The bank held the check for XXXX days and then released the funds into my checking account. The person ( scammer ) then asked me to purchase {$1500.00} in gift cards so I could give them to the delivery driver for the delivery driver. I got the gift cards XXXX x {$400.00} each of XXXX gift cards at XXXX across XXXX XXXX from the bank. He then requested the gift card numbers which I gave him. XXXX days later my bank - BofA took the {$1500.00} out of my bank saying its a counterfeit check. My account is now negative {$1500.00}. I told the scammer and he said he would make it better and that he was sorry and is having nightmare 's. He then XXXX  me another check but for over $ XXXX to replace the first check of {$1500.00}. I did not deposit this large sum check fearing the same thing will happen with my bank taking the money from me claiming counterfeit check. Theres a company name on the check whom I tried calling and emailed the company contact with no responses back. Please advise as to what I can do about this obvious fraudulent scam. Thank you.
Product: Student loan

I was previously with XXXX as my service provider paying ~ $ XXXX for my student loans. Then student loan payments were paused for XXXXhree+ years, and when I get an email notice that my payments are going to be resuming with my new provider, Aidvantage XXXX I login to my account and notice the monthly payment option is $ XXXX than what I was previously paying. When I emailed Aidvantage for an explanation I was not responded to within two business days as they indicated. I called a week later, waited 40+ minutes on hold to even speak with a person, and they were unable to tell me why my payments had increased. I was not on an IDR with XXXX, and they kept saying I was on Aidvantage 's " standard '' plan option. They tried to push me towards an IDR plan, which I refused because I a. probably won't qualify, and b. I shouldn't have to be on one because they adjusted my payments. I did not choose my service provider, I did not choose which " plan '' I was on with them, and was given no explanation for why my payments would have increased. I was never informed my payments would be increased, I received no new Truth In Lending Agreement, or payment schedule with Aidvantge nor did I ever agree to pay more per month for my loans. They violated UDAAP by expecting me to pay a higher amount with no explanation, and instead of doing the right thing attempted to lock me into one of their IDR plans in the hopes that I would then be ineligible for any future student loan forgiveness.

After being on the phone with Aidvantage for an hour and fifteen minutes, and being put on hold multiple times because the agent could not explain why my payments had increased, I was subsequently hung up on, with no resolution or explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Involved parties XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ga XXXX CitiCards CBNA Citi XXXX XXXX XXXX, XXXX XXXX XXXX SD XXXX Phone : ( XXXX ) XXXX Account is not mines. Was authorize user but have been removed and XXXX not responsible for account regardless. XXXX said they investigated it but informed me citi has said it was my account but that is incorrect because I have no account with them. This is negatively impacting my credit score and its hurting my credit Files and dispute with XXXX in XX/XX/XXXX on citi bank account that I was authorize user on but not anymore. 

Got results XXXX XXXX said the account belong to me but it does not. 

Called citi XXXX XX/XX/XXXX they confirmed account ending in XXXX belongs to XXXX XXXX and XXXX not listed on account, they filled a dispute to send to bureaus Called citi XXXX confirmed I dont have account with them they said the sent another dispute to credit bureaus Called XXXX XXXX XXXX XXXX did was file another dispute, but I have no trust that they will do due diligence to investigate problem. Because its not my account and they are saying that it is Also saying citi verified it was mine but when I called citi they say i dont have a account I CANT EVEN GET INFO ON ACCOUNT BECAUSE ITS NOT EVEN MINES
Product: Checking or savings account

Hello CFPB - I am having an issue with US Bank regarding my checking account I hope you can help me rectify. The issue I am having has to do with several overdraft fees of {$36.00} a piece which US Bank has charged me even though my account has seamlessly stayed in a positive standing. There is a total of 4 fees at {$36.00} a piece that I am concerned of and I contacted the bank manager of US Bank ( XXXX XXXX ) on XXXX XXXX in XXXX Arizona In regards to this matter on XX/XX/2020. I explained to him how my online banking shows proof of my account never falling into delinquent status and that I dont see how I should have been charged these fees. 3 of the fees in question were charged to my account on XX/XX/2020 because manager states the 3 charges prior to that made my account fall into a negative status. The 4th fee in question was charged on 5/6/2020 because the charge before that allegedly made my account fall Into negative status. I informed the manager that my online banking account does not indicate what he is saying is true. My online account shows my balance before and after the charges In question and that my account was always in good standing. XXXX asked me if I could screen shot my online banking account statement and email it to him and that is what I did. He looked at my checking account statement from my online banking I sent him and he told me that there were discrepancies from what my online banking account balances were showing and the balances that US Bank had on their end. I asked him how could that be possible? He told me he was not sure and he would look into the matter and get back to me the following day. The next day XX/XX/2020 around XXXX XXXX  I had not heard back from XXXX so I decided to give him a call. When he called me back shortly after that he aggressively told me that what my online account balance states is basically irrelevant and their statements Indicate I went overdrawn on my account and all the fees will stand. 

I really hope you can help me get through this situation with US Bank please. I feel like I am being take advantage of and i am a victim of fraud. I am happy to provide me online statements for you and anything else you might need so you can see what is being done. 
If what US Bank shows on their end indicates my account fell Into a negative status then this means that US Bank is showing me a faulty balance and keeping a different balance only they can see behind the scenes which would allow me to unknowingly fall into negative status while allowing me to think I am in a positive status. Either situation that is happening is fraudulent and they should not be able to manipulate money out of customers like this, especially In a stressful time which is what we are going through right now. 

Thank you for taking time to hear my problem and I hope to hear back from you soon. Please let me know any documents I can provide you. 

Regards,