23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Letter of Complaint : Refuse to Validate Debt Beginning in XXXX, Ive disputed the debt with the major credit bureaus, as well as XXXX XXXX. I requested proof of validation. So far, none of them have been able to provide such proof to me. I have sent multiple follow-up letters to each of the companies, and there still is no proof. At this point, XXXX XXXX, XXXX, or XXXX  has not responded, or updated the account. 

I have fully investigated my rights in this matter. Under the Fair Debt Collection Practices Act, if no proof is provided to me within 30 days, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates as evidence of my requests ( see enclosed ). Under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence. 
According to the Fair Credit Reporting Act, if the debt cant be verified within 30 days, then it must be removed. XXXX XXXX with XXXX XXXX, XXXX, and XXXX claim to have verified the debt, but this is, in fact not true under law. Simply contacting the alleged creditor, and asking them to match up numbers in their database, or or using the XXXX XXXX XXXX to input codes is not sufficient verification.
Product: Bank account or service

Death in family occurred. Prior to her death, our mother had requested that her IRA to be closed with XXXX XXXX and funds to be sent to her. While waiting for her request to be processed she passed away and the requested funds where received at her current address, which was the address of her daughter who was taking care of her. Additionally, her daughter was executor of Mothers estate/affairs. The previously request Check was received in her name and due to her death was deposited by daughter into her primary account since her mother had passed away. Initially the deposit was reflected in the account, however several days later M & T fraud called with questions. After further explanation we were told by M & T bank that an estate account would need to be opened and the now frozen funds would be moved into account upon all correct documentation being provided. Daughter went into local branch and provided the requested documentation to open account ( short certificate, death certificate etc. ) the new account was opened as requested. We then as requested, notified Fraud Unit of the successful opening of the Estate account. After several days we again contacted the Fraud unit as the account still did not reflect the funds being released and deposited. We were now told that the Bank decided they wanted to take different route and refused to release funds. The Bank demanded that we provide the contact information for the now closed XXXX XXXX account so the information we had provided could be further verify. Verification was completed and our information that was provided was validated and upon the check being issued per the deceased request, the account was now closed. M & T still holding the issued funds had now changed process again for funds to be released and deposited. They were now requiring XXXX XXXX to request the check back after it was deposited and cashed. XXXX XXXX was willing to do so with a letter request from M & T stating " deposit was made in error without proper endorsement. " Additionally, XXXX XXXX would redeposit the check in question back into the now closed account to force the account to be reopened and re-send the check however M & T needed it to be sent to be deposited into the account. To date, there still has been no movement for the funds to be deposited back into our account in which we are currently at over 3 weeks with no resolution. Multiple calls made to Fraud area with request for update and we continue to be given a different story or I ca n't speak for the " Retail Bank '' and where they are in the Resolution of your situation. 
We simple would like our funds to be deposited as they should be so we can pay for the burial expense of our Mother. We have been extremely patient but our patience has come to an end. We are turning to the CFPB for help with resolution of this issue before we will need to get our Attorney involved. 
Thank You
Product: Credit card or prepaid card

Hi I have issues with Bank of America XXXX XXXX and XXXX i tried to apply for credit cards but found out there were fraudulent debit cards or attempts of opening cards under my name and now they dont approve me credit cards because it looked bad under my name I never ever had anything to do with these companies if they had previous applications under my name it was due to fraud
Product: Debt collection

I have reached out to the credit bureaus to inform them that the debt is no longer owed because of bankruptcy, and I will like for them to delete from my credit profile. Nothing was deleted.
Product: Credit reporting or other personal consumer reports

Experiencing a sudden plummet of XXXX XXXX in my credit score this month due to a reported late payments has left me deeply concerned. It's baffling to encounter such a significant drop, especially when I've diligently managed my finances. Under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically the 15 USC 1681 section, I firmly believe that there shouldn't be any unwarranted damages on my credit report. It's imperative for me to take immediate action to address this issue, meticulously examining my credit report for inaccuracies and initiating the necessary steps to dispute the erroneous entry. Restoring the integrity of my credit profile is paramount to safeguarding my financial stability and future opportunities.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. 

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

I have lodged disputes with XXXX XXXX, Chase, XXXX and XXXX XXXX with the belief they have reported negative items to my credit report not in compliance with Consumer Protection law. Specifically, the FCRA and the FDCPA. I most recently requested them to investigate beginning in XX/XX/XXXX, with subsequent requests in XX/XX/XXXX and XX/XX/XXXX. I started this process again in XX/XX/XXXX and XX/XX/XXXX. I have also asked for assistance from each of the credit bureaus.
Product: Credit reporting or other personal consumer reports

After recently checking my credit report, I believe that I've been a victim of identity theft and found numerous accounts and credit inquiries of which I have no knowledge of. I have attached an FTC Report. I conrm that these accounts and inquiries were made without my authorization. I request that the following accounts and inquiries be removed from my credit report immediately : 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 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 XXXXXX/XX/XXXX
Product: Credit card or prepaid card

NOTE FOR CFPB : Please reopen this complaint since the company refused to answer last time because my wife was not the account holder ( see XXXX ). 
COMPLAINT : I am writing to complain because I was wrongfully charged for a hotel reservation made through Amex XXXX that I canceled within the cancellation period but was not processed appropriately and in a timely manner by AMEX XXXXXXXX XXXX XXXX AmEx  ). On XX/XX/22 I booked a reservation at the cost of XXXX} via XXXX that could be canceled for a full refund before XX/XX/22 XXXXXXXX XXXX  On this day, I called AmEx XXXX XXXXXXXX XXXX  to confirm if my booking was eligible for a promotion called " XXXX Hotel Credit '' and explicitly told the agent that if this was not the case, I wanted to cancel. This was a simple, straightforward issue yet the first agent we spoke to ( a woman ) was so unhelpful and mean-spirited that she unnecessarily caused delays in answering this simple question for over XXXX minutes, and ultimately maliciously transferred my call away from the XXXX group, which in turn led to more delays and the next agent had to transfer my call back to the XXXX group ( which I correctly called initially ). This series of mistakes made by the agents, especially the first XXXX, pushed the reservation past the cancellation deadline by mere minutes, through no fault of my own. 
There are at least XXXX independent reasons why a response of anything less than a full refund by AmEx is inappropriate : ( 1 ) AmEx was a gatekeeper and booking agent, who had sole power to answer whether the statement credit applied. I called AmEx before the cancellation deadline with sufficient time to clarify my question and cancel, which AmEx squandered. Therefore, AmEx undeniably bears the responsibility here. ( 2 ) AmExs delay was due to AmEx customer support ineffectiveness. There were clear problems with the staff ( a ) understanding my issue, ( b ) demonstrating empathy and the sense of customer service excellence I expect from Amex, ( c ) understanding the special urgency here, and ( d ) responding to the issue in a timely manner. Worse, there was no supervisor available when asked, meaning that AmEx failed to have any contingency in place to address those predictable problems with XXXX XXXX ( apparently ) XXXX  support. ( 3 ) The third and final customer support representative clearly, on the recorded line, responded in a way that reassured me that AmEx would compensate or reverse any charges because I called prior to the reservation cutoff. 
Despite multiple attempts to resolve this directly with XXXX XXXX at AmEx Service Excellence, she shirked responsibility for this issue and refused to provide a full refund. To add insult to injury, she originally offered a XXXX statement credit, but I only received XXXX Finally, I repeatedly requested a call from the XXXX XXXX team to discuss canceling my XXXX card and that request also went unanswered.
Product: Credit reporting or other personal consumer reports

My identity was stolen the car was in my grandma name with my cousin took her to sign and fraudulent my name they both deceased now
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the credit bureau AGAIN & AGAIN that I was the victim of identity theft. Per FCRAsection 605b credit bureaus are required to remove/block any item listed on an id theft report. Please find the required documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. 
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, credit repair services, or other personal consumer reports

I have submitted two letters in XXXX and XXXX of 2022 to TransUnion asking them to remove a charged off account off my credit report and asking them to send me documentation that I originally signed for this account. They have ignored my requested by updating the account on my credit report stating that they verified the account without any documentation supporting this account. I have also asked them to remove any inquiries dating past 30 days that doesnt hold any accounts on my credit report.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app block inc due to inadequate Customer Service and unfair practices which violate the consumer financial protection act. cash app failed to take timely and effective measures to prevent and avoid fraud on their platform leaving My Account vulnerable and unprotected. furthermore there dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the { EFTA } and regulation E. These actions have caused significant inconvenience and financial loss, and i seek appropriate redress for the misleading practices and failure to fulfill their promises.
Product: Mortgage

Our home loan, formerly XXXX, was sold to Green Tree. Bought our house in XX/XX/XXXX. Refinanced in XX/XX/XXXX. Ever since has been a nightmare. Last year - we were late on a payment due to my husbands seasonal lay-off. I was harassed at work - rep from GT told me if I did n't identity myself - the account would be locked and they would n't accept a payment. 
This year, we are a month late. Called several times for options - shut down every time. Threatened with Credit Score dings. Harrassed at work. Now I am expected to come up with {$1900.00} XX/XX/XXXX to pay for XX/XX/XXXX and XX/XX/XXXX mortgage. They will not accept 2 week payments for each month. Have tried in the past. Was informed the type of loan we have does not allow comprising. Left a horrible message on our home phone - asking if anyone was still residing in the home. This was due to getting tired of being treated like dirt by whomever I was lucky enough to talk to. We have a great payment history. Now for the first time, when we need help, we are treated like scum of the earth. I 'm beginning to wonder if they hate all Americans in general. 
After talking to a XXXX XXXX about the payments in XX/XX/XXXX, he stated that the harassing phone calls would stop. Guess what, they have n't. They called again this afternoon.
Product: Consumer Loan

I 'm not really sure if this is relevant to CFPB as I ca n't seem to find any relevant information regarding my situation. So I 'm pasting a copy of my original complaint to the State of Nevada Division of Finanicial Institutions for FDCPA violations. 
On XXXX XXXX, 2015, Peak Acceptance, a Sub-Prime Auto Lender, in an attempt to collect payment on an auto loan I 've had with them since XXXX 2015, a representative violated the Federal Debt Collections Practice Act by placing a call to my cell phone at XXXX Pacific Standard time and attempted to collect payment at what is clearly outlined under the FDCPA as an inconvenient time to me. 
I had requested several times that a manager contact me regarding the violation of the FDCPA against me and they failed or neglected whichever it may be to contact me. 
I made several calls between XXXX XXXX, 2015 and spoke to many " Customer Service Reps '' requesting and demanding that a manager call me to discuss this matter and I finally got a representative to say " We are handling the customer service for Peak Acceptance ''. I asked the representative " are you a collection agency? '' the representative responded " yes we are ''. I asked the representative " What is the REAL name of your company, and he replied back " XXXX Logics ''. 
On XXXX XXXX, 2015 at XXXX I received a voicemail from XXXX XXXX, from Peak Acceptance asking me to call her back at ( XXXX ) XXXX which I did promptly. She asked " what is the problem ''? I told her " your agency violated both State and Federal FDCPA laws calling me at XXXX., on XX/XX/XXXX.She responded " I will have to pull the phone log for that day and listen to the call and talk to my accounting department ''. I 've not heard back from her since. 
I know of one person who says she works for Peak Acceptance, her name is XXXX XXXX and her number is ( XXXX ) XXXX and she is the representative for Peak Acceptance Support Desk. I ca n't seem to find a Corporate Number for Peak Acceptance and that bothers me because I have no one to complain to that a Collection Agency is calling me when my payment is a day late and violating State and Federal Laws. 
I 've had several auto loans, and I 've always gotten called from the actual finance company about my payment being late. 
I do n't like the fact that 1. I 've been dealing with a collection agency to handle my loan servicing needs. Which tells me that, they have all of my Consumer Credit Information which means they can pull and review my credit report and see I have other accounts " small '' in collections and attempt to contact that creditor or other collection agency to obtain the account and collect on it. 
2. I was not advised that collections are handled by an outsourced company a collection agency for that matter until XXXX 2015 months after getting the loan when XXXX contacted me to defer a few payments. 
3. I do n't appreciate being read the " Collection Miranda '' every time I called " customer service ''. It 's insulting and degrading whether my payments are on time or not. 
If the CFPB has any rules or policies regarding this matter, I 'd sure like to hear from someone about this good or bad.
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. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX 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: Consumer Loan

The book value of my vehicle is XXXX dollars and my loan with Santander usa is XXXX principle where as the pay off is XXXX. I now owe XXXX dollars for this months payment which is partially due to XXXX dollars in accrued interest and they also attach XXXX late fees to every late payment. In addition, my monthly payments are a ridiculous XXXX monthly and they will not reduce those monthly payments. This seems like it is a predatory loan designed to make it impossible for consumers to pay off. High interest rates which may not be legal rates, late fees and monthly payments which is too high for a vehicle worth half the price of the loan. Is this legal? Recently, Santander usa lost a lawsuit for overcharging their consumers and paid XXXX in financial relief. Can you help me with this company which practices bad business ethics?
Product: Debt collection

On Tuesday, XX/XX/2022, this company contacted my employer 's human resources and they left their phone number and reference number. One of the representatives from my company email me this information on the same day. The information left was the phone number ( XXXX ) XXXX and reference number XXXX. When I called, they never said the name of the company. One the guys " Sorry, forgot the name '' says that I owe CashLink. I was coming from out of town and carrying the luggage upstairs. I called back and ask for a letter to be sent to me which they said that they couldn't. Then I was told that someone is supposed to bring me a letter. I was very confused. They wanted me to verify my social security number which I wouldn't. I called again and said that you are not supposed to contact my employment in which they said that they didn't. I advise them that I wouldn't call this number and have a reference number if they didn't. On Wednesday, XX/XX/2022, I called to get the name of this company which I was given XXXX.
Product: Checking or savings account

Regions bank charges overdraft fees based solely on available balance. I was most recently charged 2 overdraft fees on transactions that brought my posted balance to a positive amount because there are pending transactions completed after the posted transactions, which will receive ADDITIONAL overdraft fees if a deposit isnt made. These charges arent based on anything other than the available balance being low, even though my actual posted balance was POSITIVE. 

Example : Starting balance : {$55.00} Pending transactions : {$25.00}, {$25.00} New posted transactions : {$25.00}, {$25.00} Despite the posted balance being + {$5.00}, I receive {$72.00} in overdraft fees, then an additional {$72.00} in overdraft fees when the pending transactions post.
Product: Credit reporting, credit repair services, or other personal consumer reports

I leased an XXXX XXXX XXXX through XXXX XXXX that was due back in XX/XX/XXXX. Prior to having to return the car, a tree fell and damaged the vehicle. I worked with my insurance company to repair the vehicle. 

In the meantime, while I waited for the repairs to be completed and for XXXX XXXX to ship a back ordered part to the mechanic, I extended my lease from XXXX to XXXX, then XXXX, and then until XX/XX/XXXX, until I returned the vehicle on XX/XX/XXXX. 

There was confusion on behalf of Ally regarding my extension from XXXX until XXXX, but after speaking with XXXX XXXX XXXX, she confirmed that I would have an extension from XXXX XXXX XXXX like I originally requested and I would pay the {$530.00} for the monthly lease. I received the documents and immediately signed and turned them over in 11 minutes on XX/XX/XXXX. A bill was then sent to me dated XX/XX/XXXX. 

Subsequently, I was informed that XXXX submitted information to the Credit Bureau that I was 60 days late on paying the bill and also charged her a late fee in addition to the monthly lease amount for XXXX XXXX XXXX 

Ive tried to reach XXXX multiple times, Ive sent them letters and Ive called only to be disconnected. No one is providing any sort of assistance. 

I was never late making any payments. The information reported on my credit is false. Ive not received any assistance from them to properly finalize the end of my lease. Ive had the worst service with them and would never use them for any financial services again.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit reports and am writing to dispute these fraudulent accounts following information that appears on my XXXX, Transunion, and XXXX report for fraud. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under XXXX XXXX. Sec. XXXX ( a ), you must complete this reinvestigation within XXXX  days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX Date Opened XX/XX/XXXX {$1000.00} portfolio recovery Date opened XX/XX/XXXX {$810.00} XXXX XXXX XXXX date opened XX/XX/XXXX {$880.00} capital XXXX XX/XX/XXXX {$5200.00} XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX FCU ( Finance ) XX/XX/XXXX XXXX FCU ( Finance ) XX/XX/XXXX XXXX FCU ( Finance ) XX/XX/XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX, XXXX