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

On XX/XX/2017 I transferred an IRA account from MB financial to XXXX XXXX prior to its maturity. The amount of the IRA was {$16000.00} however MB financial only transferred {$15000.00}. They said the difference was due to an early withdrawal penalty. The account was only paying 0.399 % APR at the time and the Truth in Savings statement provided when I initially opened the account has no mention of early withdrawal fees. The interest accrued at that point was {$32.00}. The penalty they charged was against my principal and interest in the amount of {$560.00}. I argued that : I was over XXXX years old and should be able to withdraw at anytime and the the original Truth in Savings information I had no early withdrawal fees. They said that that had been changed since my original opening of the account. Additionally prior to transferring the account to XXXX XXXX I checked there website for early withdrawal fees and none were listed. I faxed an original of the Truth in Savings document to them but was ignored. I can't believe they can get away with this practice? 
Additionally I received an end of the year statement stating that they distributed a full {$16000.00} from my account. They did not. Not sure how they are rectifying there books but this is fraudulent I received only {$15000.00}
Product: Credit reporting or other personal consumer reports

I'm writing to voice my worries about a few problems I've had with the credit bureau. These problems include false account listings, faulty credit reporting, billing irregularities, and accounts that are not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$7000.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, and XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}.
Product: Credit card or prepaid card

I recently applied online via the American Express web site for a DELTA RESERVE CREDIT CARD FROM AMERICAN EXPRESS, with an annual fee of {$450.00} USD. Prior to completing and submitting the application and being approved, there was no disclosure of the fact that an additional fee of {$170.00} USD per year is applicable if I wanted my secondary cardholder to have the RESERVE card ( rather than the default PLATINUM card ). This is an important item which should have been clearly disclosed in the Terms & Conditions prior to even getting to the application page. For American Express to make this disclosure only *AFTER* I had already completed the application and *AFTER* I had already been approved as the primary cardholder is misleading, deceptive and dishonest. I called American Express to report this issue and to file a complaint, which was supposedly escalated up the ladder within American Express " for review '' but was shocked that no one would be following up with me directly on this issue. American Express agreed to downgrade the secondary cardholder to Platinum and refund the fee after the fact, but this completely ignores the fact that my decision to apply for the RESERVE card itself was based on the understanding ( due to lack of disclosure ) that there would be no additional fee for the secondary RESERVE cardholder. What recourse do I have? I feel that American Express should be legally required to provide this disclosure PRIOR TO APPLICATION AND PRIOR TO APPROVAL, which was not done in my case. On the basis of this lack of disclosure, I believe that I should get the secondary RESERVE cardholder at no additional cost for each membership year and for as long as I keep the primary RESERVE card account.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX a case was opened through XXXX XXXX XXXX. The information obtained for this account is unknowingly and inaccurate. According to 15 U.S. Code 1692e, which XXXX XXXX XXXX is in non-compliance. Under the FDCPA Section XXXX ( b ), they are not allowed to pursue collection activity until the alleged debt is validated. You should be aware that in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX ( XXXX XXXX XXXX ), the court ruled that reporting a collection account is indeed considered collection activity. case # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I called the company ( Exeter Finance ) about sending me supporting documents as to the balance owed in writing specifically, I was told they would be sending that information to me. I have not received anything nor any correspondence as to my request. On an entirely different request I requested the company apply more of my payment to the principle again I was told " they don't do that ''. I am trying to keep up with records and such so I may have good credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report. Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Remove the inaccurate information on my credit file that are fraudulent which are posted on my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$39000.00} ; AR CHILD SUPPORT SER XXXX  Opened XXXX. XXXX, XXXX Balance {$3000.00} ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$39000.00} ; AR OFF OF CHILDSPRT ENFO XXXX Opened XXXX. XXXX, XXXX Balance {$3400.00} ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX.
Product: Mortgage

Freedom Mortgage is my loan servicer for the last 26 months. Over the last couple of years, property values increased in our neighborhood so I wanted to see if I would be able to get the PMI canceled. 

I called Freedom Mortgage to understand the pre-requisites to cancel PMI and was told to get a new appraisal to see if LTV is
Product: Checking or savings account

XXXX   XXXX   I attempted to make a withdrawal from an atm for {$200.00}. The ATM only dispensed {$20.00}. I contacted  XXXX  by phone and explained to them the issue. I was told to go to another ATM and try again.  XXXX  minutes later by the time I arrived at another ATM they had locked my account leaving my family without access to ANY money for  XXXX .     After many hours of arguments with  XXXX , they closed my account. They agreed to send me a bank check.but without any way to cash it, it would not help me at all for the holiday. The sent a check fedex that was not received. the replacement was sent with signature, we received that one. The check received was not for the full amount in the account. The check was for  XXXX  not the balance in the account. I was told they would send me the balance in a week or  XXXX . It is now  XXXX  The current balance shown does not take into account As of today the account shows a balance of  XXXX  that does not take into account the check for  XXXX  sent on   XXXX   XXXX    The current balance should be {$370.00}.   I have been trying for weeks to get this cleared up and keep getting canned and at time rude responses.     It has now been 6 months I do not understand why they are doing this to me.
Product: Credit reporting

XXXX/XXXX/16 XXXX XXXX Fl XXXX Equifax XXXX XXXX XXXX, GA XXXX XXXX Account Number Num : Balance {$190.00} Sir or Madam, I am writing in regards account XXXX XXXX XXXX on my credit report. I have filed a complain to the CFPB, that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) 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 any 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 must remind you that in my previous letter I requested the following information : ( 1 ) The amount of the debt ; ( 2 ) The name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) ( 5 ) Provide the actual Bills Statements ( 6 ) Payment Receive I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( creditor ) that you say I owe money so they are also aware of my dispute with this debt. 
As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on { insert date from mail receipt }. 
Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 

I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the national XXXX. 

XXXX XXXX
Product: Debt collection

CAPIO PARTNERS LLC is sharing my nonpublic personal information with no affiliated third parties XXXX, XXXX, & XXXX. CAPIO PARTNERS LLC does not have my consent to have and share my private personal information. Then, the information that they are reporting is inaccurate and false. They are reporting to XXXX that this is an open account while XXXX was reported as a COLLECTION account. They are also reporting to XXXX that the account was last active on XX/XX/2023 but wasn't opened until XX/XX/2023, how can the account be last active before it was open. The information they are providing to consumer reporting agencies is incorrect and damaging. They are violating my right to privacy as a consumer, by reporting inaccurate, false, damaging, information to the consumer reporting agencies. They are violation of multiple federal laws.
Product: Student loan

I am writing to formally demand immediate correction of fraudulent student loan reporting on my credit record, as well as an explanation and remediation regarding the unauthorized transfer of my student loan without proper notice, in violation of federal law. 

XXXX XXXX XXXX XXXXXXXX originated my student loan, and XXXX XXXX XXXX subsequently reported false delinquencies that have now damaged my credit and impacted my ability to secure housing. This unlawful reporting violates the Fair Credit Reporting Act ( FCRA ), the Higher Education Act ( HEA ), and the Fair Debt Collection Practices Act ( FDCPA ). 

Violations & Legal Basis 1.Failure to Notify Borrower of Loan Servicing Transfer Under 34 CFR 682.208 ( c ), lenders and servicers are required to notify borrowers in advance of any loan transfer. 
I never received proper notice of the transfer from the XXXX XXXX XXXX XXXX XXXX XXXX 
This lack of notice caused allegations of missed payments by XXXX XXXX, leading to fraudulent negative marks on my credit report. 
2.Fair Credit Reporting Act ( FCRA ) Violations 15 U.S.C. 1681e ( b ) & 1681i XXXX XXXX reported inaccurate and misleading information regarding my student loan status. 
Under 15 U.S.C. 1681e ( b ), credit furnishers must ensure the accuracy of their reporting. 
I have already disputed this inaccurate reporting with the credit bureaus, yet it remains uncorrected. 
XXXX XXXX failure to verify and correct the error violates 15 U.S.C. 1681i ( a ). 
3.Fair Debt Collection Practices Act ( FDCPA ) Violations 15 U.S.C. 1692e & 1692f XXXX XXXX engaged in false, deceptive, and misleading practices by reporting an account as delinquent when I was never properly notified of its transfer. 
4.Americans with Disabilities Act ( ADA ) & Section 504 Violations 42 U.S.C. 12101 & 29 U.S.C. 794 I have requested reasonable accommodations from the XXXX XXXX XXXX  to handle this issue remotely, yet my requests have been ignored and the Office of Financial Aid has not responded appropriately to my requests for assistance in repayment of the loans I borrowed from the XXXX XXXX XXXX 

Demands for Immediate Action I hereby demand the following within 14 days of receipt of this letter : 1.Immediate removal of all fraudulent late payment reports and correction of my credit record with all credit reporting agencies. 
2.A full explanation of why the XXXX XXXX XXXX failed to notify me of my loan transfer.

3.Copies of all communication logs, notices, and records related to the servicing transfer. 
4.Written confirmation from XXXX XXXX XXXX XXXX XXXX XXXX XXXX acknowledging their violations and correcting the records. 
5.A reasonable accommodation from the XXXX XXXX XXXX  XXXX XXXX XXXX to resolve this matter remotely on the basis of disability. 
6. Evidence of any missed IXXXX XXXX XXXX of required payment from servicer XXXX XXXX. Transfer of this loan back to the department of education or the XXXX XXXX XXXX for proper management of student loan repayment plan
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issues aligned with the recent CFPB finding against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request and investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

i sent experian, XXXX a total of five disputes now, all sent certified mail with receipts. They have failed to do a proper investigation into these accounts. They keep sending me papers saying either " UPDATED '' or " VERIFIED '', i have asked multiple times to send me proof of how they verified these wrongful accounts and they ignore me. per the FCRA they must send me proof of verification including who they talked to when how and documents that support these claims. i have now sent them a last letter telling them i will be seeking legal action if they dont fix these items or show me proof of how they are verifying these accounts, i know they cant be actually verified because these supposed accounts wont even speak to me since my ssn doesn't match any records they have on file. they are now claiming they will not re investigate without any further documentation that supports my case. How am i supposed to send them anything or proof of my case if i never had any accounts with them! i haven't missed any payments on any of my other accounts now my credit is taking a false hit! totally unacceptable.
Product: Debt collection

I received a letter by the company XX/XX/2021 Stating I owe XXXX. 

This amount is owed by the people who were stalking me for many years. They will have to cough up the money. I do not owe this and will not pay it. I warned them all and have the reports to prove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

15US code and 1681S2 Responsibilities of furniture of information to consumer reporting agencies ( A ) Duties of furniture of information to provide accurate information ( 1 ) Reporting Information with actual Knowledge of errors this away not to have to pay off Any information relating to a customer to any consumer reporting agency if the person knows or has reasonable calls to believe that the information is accurate -- -- -- -Because of -- -- -- -- -- -- -- -- -- In accordance to the fair credit reporting. The list of accounts below has violated my federally protected Consumer rights to privacy and confidentiality under 15 USC 1681. 

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 Account name # has violated my rights.

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 with 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 averse item of information other than records of conviction of crime which antedates the report by more than 7 years.

15 U.S.C 1681 - 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agencies if the person knows or has reasonable calls tor has reasonable call to believe that the information is inaccurate
Product: Debt collection

Identity theft is taking the promissory note that I gave a signature to and credited that promissory note as it belongs to them and allonged pay to the order of them. and not giving me the credit which is the face value of the instrument. 
Taking signature and pretending that the instrument belongs to them They are acting like they are the ones that gave consideration. 
identity theft is stealing the signature and putting it in street name and not giving the credit XXXX XXXX XXXX.
Product: Debt collection

Every time I call this company and ask for proof that I've been making payments, all they send is that I've made a {$10.00} and the date it was made. I was making payments in 6 month increments because they couldn't set up a payment plan and then once it ended they never called to restart it or even send a letter. I was recently informed on XX/XX/2018 that I was sent a letter of a payoff amount, but I haven't received mail from them in over a year ... Recently we started to apply for a mortgage but this " debt collector '' has not reported anything that we have paid making it look like we haven't tried, when I've been paying on this for 2 years! They still say my balance is what it originally was when I started. This payment was for a car that I turned in 5 years ago!
Product: Money transfer, virtual currency, or money service

PMC wont allow me to link accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried repeatedly to get my report updated and all XXXX bureaus keep reaging my accounts and saying that they were verified when I know they were not verified. The dates and amounts are all incorrect. Last active and Last reported are all showing different dates, the amounts are all wrong and the comments like account closed and when it was closed are all wrong. These are just some of the inaccuracy I have found and Have repeatedly sent letters regarding it but I am very aware they are not actual people looking at these letters. I do understand that they letters go through XXXX system which will automatically kick out a verified letter. This is unfair.These Bureaus need to be stopped.They can not continue violating the rules and think that it is ok to do so. They are reporting inaccurate information and its causing havoc on my end. They have violated many FCRA Rules especially the 15US Code 1681s-2 and ( 623 ) ( A ) ( 7 ) amongst many others. They are treating many as well as myself unfairly.
Product: Credit reporting, credit repair services, or other personal consumer reports

all of my NON PUBLIC PERSONAL imformation is being spread around with all the credit reporting companies without my authorization or permission!!?? XXXX XXXX XXXXXXXX, XXXX card, XXXX XXXX Bank, XXXX XXXX, XXXX XXXX bank, XXXX XXXX  which is a complete Fraud along with XXXX XXXX, to begin I never authorized my payment history my personal banking history and certainly not to these fraud companies I never had a relationship with them let alone authorized them to publish my personal non public history or a fraud collection!!!!! 5 USC 552 a " It is illegal to report ( TRANSACTION HISTORY16 CFR 313.10 I am exercising my right opting out of any and all authorization I the consumer may have given to any bank or person written or non written, verbally or non verbally effective immediately and indefinitely in conjunction with 15 USC 6802 ( a ) ( b ) ( c ) all information inquiries and payment history be removed at once no authorization was ever given