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

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this.Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report, and noticed that a new Inquiry was posted on my report fraudulently On XX/XX/year> from XXXX, please remove
Product: Debt collection

I need the Debt Validation Claim, original signature on contract, the payment history, I need change of title of the Debt & if there was any insurance claims found 15USC1692G
Product: Checking or savings account

On Wednesday XX/XX/2023 my wife contacted Fifth Third bank concerning closing an account, upon paying the overdraft balance of {$98.00} on a checking account that we were told could not overdraft we wanted to close the account as we do not bank with them often anymore. Upon paying off the remaining balance in the account we were informed that even though the account was closed if a party attempted to charge the account again that they would automatically reopen the account and we would be charged an overdraft fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX filed a complaint with XXXX XXXX for illegally obtaining information about me and reporting it to credit bureau concerning a public record.that the company said it verified from the bankruptcy court
Product: Mortgage

I applied for a refinance with Amerisave mortgage in XXXX around XXXX, 2020 its been 3 months since Ive been waiting to complete my refinancing. 

I have been told I am approved but nothing seems to be moving forward. The salesperson/ loan originator did everything really quickly and I was charged a {$500.00} application fee upfront for applying and was told I should close within 60 days. Iam over 90 days now and the loan originator XXXX advised he does not have control of the application now since its in processing. I have been in contact with the loan processor XXXX XXXX but every week he has the same story to tell that he is waiting for mortgage payoffs from my current lender. He has now probably blocked my number since it directly goes to voicemail every I try to call him for the past week. I spoke with XXXX and he gave me XXXX supervisor contact and iv called him several times and left voicemails but I havent gotten a response back. The supervisors name is XXXX XXXX ph : XXXX. Iv also tried to speak with the Vice President of sales via contact with social media and he called me to say he will expedite my process but that was 3 weeks ago and now he does not answer my call or return my calls. V.P salesmans name is XXXX XXXX ph : XXXX. 

I need my refinancing done ASAP as Im holding my financial decisions to other things just because of this and because no one emails or contacts me with any details, I strongly believe there is a scam going on with this Company. Even theirs reviews speak what Iam saying. 

My application number is XXXX My name is XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 

Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX Account name : XXXX XXXXXXXX XXXX XXXX Credit Cards XX/XX/year> 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I
've disputed this info with the CRA 's and they were required to # 1 put the notice of dispute within 30 days of receiving my 1st dispute which they did n't and # 2 the info on my credit report is required to be accurate and complete. Each of the accounts that I have disputed are now missing the original amount. All 3 CRA 's are stating these items have been verified but I can see that none of them have the notice of dispute like I mentioned and I 've seen that none of them have
have the original amount as required. In addition, where 's the proof that any investigation was done?
Product: Vehicle loan or lease

I was sent a letter stating I authroized payments and instead it was masked to hide a collection of Debt. I have no knowledge of this as it is not owed the car was totaled and this was almost 10 years ago. This seemed like a deceiving letter as if I authorized payments to an account that and not stated its a debt collection.
Product: Credit reporting or other personal consumer reports

Subject : Urgent Action Required : Inaccurate Credit Reporting and Legal Violations To Whom It May Concern, I am writing to urgently address significant inaccuracies in my credit reports. These inaccuracies have persisted despite my efforts to correct them, necessitating immediate intervention to align with the Fair Credit Reporting Act ( FCRA ), particularly under sections 1681i and 1681s-2, which mandate the correction of any errors and the removal of fraudulent information promptly. 

My credit profile currently lists several accounts and inquiries that I categorically state are fraudulent. These include accounts with XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, and others, as well as numerous unauthorized credit inquiries across various financial institutions. The presence of these items on my credit report is severely damaging my financial reputation and causing substantial distress and economic impact. 

The FCRA provides that consumers have the right to have accurate information on their credit reports and that credit bureaus must correct any inaccuracies once notifi

ed ( 15 U.S.C. 1681i ). Moreover, entities that furnish information to credit bureaus have legal obligations under FCRA Section 1681s-2 to investigate disputes and correct inaccuracies. This letter serves as a formal demand for the immediate i
nvestigation and removal of these fraudulent entries from my credit reports in compliance with the FCRA. Failure to comply with this demand could result in actions for damages under FCRA Section 1681n and 1681o, which provide for legal remedies for willful and negligent noncompliance.

Moreover, I am considering forwarding this matter to the Consumer Financial Protection Bureau and the Federal Trade Commission for further action, including potential investigations into the practices of the credit reporting agencies involved. 

Please note that any failure to resolve this matter promptly will compel me to pursue all available legal remedies, including but not limited to litigation. 

I expect a response to this letter and a resolution to these issues by [ specified date ], after which I will proceed with further actions if necessary. 

Sincerely, XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This information is absurd, it does not belong to me, I want all of this to be removed. 
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 XXXXXXXX XXXX XXXX XXXX
Product: Debt collection

This company has called myself and family members several times stating that I owe a debt with them and if I do not pay immediately they will send a courier with court documents. When I ask for the original loan info they begin getting angry and say that they do not have to give me that and they are going to sue me. I told the caller I will not make any payments without proof of the original debt and I did not know what this was for. The caller then proceeded to tell and use profanity and call me a liar and i will go to jail. My family members have also been contacted by these people with similar interactions
Product: Debt collection

I am officially submitting a complaint with the CFPB against the CBE Group for multiple violations of the FDCPA. On XX/XX/2020 at XXXX XXXX  EST I was contacted by the CBE group. I had given notice that I was at work and they were prohibited from calling me at that time and only to contact me after XXXX Eastern Standard Time. At this point i was then contacted on XX/XX/2020 at XXXX Eastern Standard Time and also on XX/XX/2020 at XXXX Eastern Standard Time. There are two violations of the FDCPA the first on XX/XX/2020 and the second on XX/XX/2020. I am willing to not file suit for multiple violations of the FDCPA if the CBE Group agrees to cease and desist all collection activities for this alleged debt as well as the agreement to not sell or hand off the alleged debt to any further debt collection company.
Product: Debt collection

In XX/XX/XXXX or XX/XX/XXXX my wife and I purchased a vehicle. I was XXXX in XX/XX/XXXX. She defalted the loan. I have n't received any coorispondence related to this defaulted loan. Whereas my wife and I where not communicating I lacked any paper work pretaining to the loan. The dealership that said vehicle was closed. XXXX and I only talked at court about the child. I have attached here past adresses of places I have lived pulled from my credit report. The contract was signed in XXXX county. Also attached are court dates none of which I was subpoenaed for. Im currently working in XXXX. I live in XXXX. My company travels alot relatively local but not close enough to drive back and forth so hotel stays over the corse of a week are necessary. Randolph cherry byod and vaughn have shut my bank account down. I find out on my way home from work on friday in need of gas. No corripondence so I havent a clue as to whats going on.. this week is my vacation week and I 've been under terrible XXXX the whole time.I missed a freind of mines XXXX that I had a ticket to for lack of gas money.I called them on Monday pleaded with them to cut me a deal work out payments or anything they already received XXXX from my account on a XXXX debt. If this was in XXXX i wouldve received notification of said court date I wouldve attended it.. this manner of collection is illegal unfair and detrimental..
Product: Credit reporting or other personal consumer reports

I review my consumer report and noticed that I had two late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of [ XXXX ]. Please investigate and provide proof with statements showing that theses payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :
Product: Debt collection

Someone obtain a payday loan in my name without my knowledge. I have tried several times to hav e Ad Astra  Recovery validate the debt but to no avail. I have received threating phone calls from debt collectors on my job and after  XXXX    XXXX   XXXX  t. On one occasion the debt collector insulted me and even asked if my parent taught me to not pay my bills. This issue has ruined my credit and taking a toll on my health.
Product: Debt collection

I was referred to XXXX ( XXXX ) by my insurance company after I XXXX. XXXX had me come in six times for very short consultations and XXXX each time. I was not told upfront what the copay was. A few weeks after my appointments, I learned that the copays ranged from {$60.00} to {$80.00} per visit. I was shocked because many of the visits were only XXXX minutes each with a nurse practitioner. When I was presented with my bills ( totaling {$300.00} ), I tried to dispute the claims, and spent hours on the phone with my insurance company and with XXXX. In the end, I ended up paying the XXXX invoices totaling {$300.00} because they would not budge with the copay amounts they were charging, and my insurance would not cover it. I sent XXXX the six payments in XXXX XXXX. By then, my payments had already gone into collections and I was receiving mail from a debt collector between XX/XX/XXXX-XX/XX/XXXX. I talked with them on the phone on three separate occasions, verifying that I had indeed paid the {$300.00}. Finally, after several months of hearing from them, they stopped contacting me. The last time I talked with them, they verified that they noted the debt was paid and that I would not be contact by them again. However, in XXXX XXXX, I was contacted by a new debt collector, called " IC System ''. They maintained that I had not paid the {$300.00} in debt. I called them up right away and said that it had indeed been paid in XXXX XXXX, and I asked that they clarify this with XXXX because I did not want to keep getting harassed after I had paid. On XXXX XXXX, XXXX, I received a letter from IC System that XXXX said I had not paid the debt, and that they were still waiting on it. So today I sent them proof that I had paid, through my XXXX XXXX bank statement showing scanned copies of the XXXX deposited checks. I sent a cover letter along with this proof asking that they please stop contacting me and that they wipe my credit clear of this debt because I had paid it within 3 months of receiving the original invoices. This entire ordeal has been very time-consuming and frustrating because I paid the debt nearly a year ago and am still being harassed about it.
Product: Bank account or service

I lost my job a few months ago and incurred a small overdraft fee of {$110.00}. I did n't have any funds to pay so my account sat in the hole a while. I finally obtained a new job and called Citizen 's Bank on XXXX XXXX, 2017 to ask if it would be ok if I set up a direct deposit into this checking account. I understood they would take the {$110.00} from the direct deposit balance but the representative explained that everything would be fine to set a direct deposit with a funding date of XXXX XXXX, 2017 and there would be no negative impact on my account. I set up the direct deposit with my employer and also filed my federal tax returns to be deposited into this account. Pay day comes and my card declines at the store, I checked online banking and the account was showing as closed and charged off. I called customer service and they said to speak with recovery, recovery said that although I was clearly misinformed and my account was set to charge off, there was no way to keep my same account information. I called customer service several times, escalated through different departments and received different answers from each representative I spoke with. A rep even hung on me after placing me on " hold ''. I was directed to my bank branch, where the manager told me to my face that she had full " discretion '' to open a new account for me but refused because of the negative balance. I explained several times that the direct deposit was set up and that I was told to set it up by Citizen 's Bank so that debt could be paid and my account would remain open. With this confusion Citizen 's refused to recover my original account. I did n't have access to my paycheck for another week and had to borrow money from friends and pay back with interest, I had to change all my banking info with HR which could cause a delay with my next paycheck, and I also am not able to change my account info on my tax return which will now cause an approximate 10 week delay on my refund because a papercheck will need to be mailed after the bank rejects the funds to the closed account. I 've already been out off work for 5 months and need immediate access to any funds available to me. The bank giving me this misinformation has put me in a tough situation financially and no one helped me and I was treated like XXXX by almost everyone at the bank. I would have never set up direct deposit for a closed account. I would have paid the {$110.00} ( hence me trying to make arrangements ) and set up my direct deposit for a different account. I have no clue when I 'll get my taxes and I need to catch up on bills I fell behind on being out of work.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been paying on my vehicle for almost 3 years. The company has only reported the first 15 payments which are all current. I have notified them several times of this. I was called this month and last month about my payment with threats of negative reporting to the bureaus only to find out that the trade line was last reported XXXX 2016 as Current with a zero balance. I have continued to pay on this trade line in hopes that it was helping my score but it has not been reported and thus is preventing me from getting a mortgage or a better vehicle. Please help. I called the finance company today and they advised that they have been aware of the issue since 2016 and it has not yet been resolved. I have dealt with a lot of shady dealings with the now closed down dealership and the finance company. Please help.
Product: Credit reporting or other personal consumer reports

I sent a letter on XXXX XXXX to remove this item that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint # & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX  Balance : {$100.00} XXXX XXXX XXXX XXXX  Balance : {$1100.00} XXXX XXXX XXXX XXXX Balance : {$3600.00} 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX and I'm including it again. 
XXXX  XXXX Balance : {$34000.00} XXXX XXXX Balance : {$0.00}
Product: Checking or savings account

I heard about the Cfpb through an XXXX XXXX and used the tools they gave me the same day. 
I opened a non-profit XXXX account ( Be the XXXX ) with my bank about seven years ago. I visited the bank on Friday XXXXXXXX XXXX XXXX to obtain statements and I discovered at that time that I had been charged ananalysis fees every month since the opening of the account - $ XXXX {$30.00} for each occurrence. I was only made aware of this error when I went to the bank to aquire statements for our upcoming event. Regrettably, I had never received a statement on this account. I spoke with both branch managers and was advised that while the error in charging this fee was the fault of ( my Bank ), I would only be able to receive 2 of the fees back into my account as a refund. This ultimately, did not seem right and I felt as though my ministry had been robbed. 
The 2nd branch manager I spoke with gave me options and was truly sincere in her trying to make this right. Unfortunately I had to visit the bank again Tuesday XXXXXXXX XXXX XXXX I wanted to see if Regions will make this right before I took any additional steps to rectify this issue. I started this account to store funds for our non-profit organization to go into schools and cast vision with our children about their futures and also give back to our community. 
I went to my bank and spoke with a branch manager and he only said I should have been looking at my statements. The fees totalled over {$2000.00} worth of fees since I opened the account. 

My request was simple ; " I would like a full refund of all analysis fees that I was charged for this account. '' I have contacted the Cosumer Financial Protection Bureau and received help from them on this matter. I explained to them that I wanted to make sure that I do everything possible that I can do with my bank of over twenty years before I took any extra measures to make this right. 
After 10 days of people saying " no '' I had to standup for myself and I told the boss over that branch that I wasn't stopping until those ministry funds are returned. 
I would like to file a complaint on how poorly I was treated and how they spoke to me, placing fault on me because I didn't see their error and stop them. 
I'm proud to say they have approved the refund of all fees