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

XXXX XXXX and XXXX XXXX i sent letters to these 3 credit bureaus requesting them to stop reporting inaccurate information about me on my credit profile after i recieved my credit report. I got a response of the information came back verified. I wrote asking them to provide them method and sources used to verify in the inaccuracies about me no response. These items are in collections which is sold debt and/or charged off which is cancelled debt and filed on the business taxes. Since the debt is cancelled it shouldn't be reporting as past due with a balance. I have no written contract or consent with these collection agencies. This is a violation of the FCRA and is also in violation of requisite METRO 2 compliant reporting standards. By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANCE regulations, I have the right to a fair and accurate credit report, and are required to remove any information that isnt true, accurate, compliant, and verifiable. I demand that these mentioned derogatory items be investigated and permanently removed from my report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley Act ( 15 USC 6802 ). XXXX XXXX  is depriving my rights under the color of law ( 18 USC 242 ). And is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to EXPERIAN by way of identity theft, and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : Request to Update Employment History and Address Information on Credit Report Dear Sir/Madam, I hope this letter finds you well. My name is XXXX XXXX XXXX, and I am writing to request the correction of employment history and address information on my credit report. I recently obtained a copy of my credit report and noticed some inaccuracies that need to be rectified. 

I would like to bring to your attention that the following address and employment entry are incorrect and should be removed from my credit report : Incorrect Employment Entry : XXXX XXXX XXXX, XXXX, AL Incorrect Address : XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX My correct employment history is as follows : XXXX, XXXX, AL XXXX XXXX, XXXX, XXXX  XXXX, XXXX, AL XXXX XXXX, XXXX, AL Additionally, I would like to update my current address to the following : XXXX XXXX XXXX XXXX, AL XXXX Therefore, I kindly request that you make the necessary updates to my credit report by removing the incorrect employment entry ( XXXX XXXX XXXX ) and address ( XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX ) and replacing it with the accurate information provided above. 

Maintaining the accuracy of my personal details and employment history is crucial to ensure the integrity of my credit profile. I trust that you will process this request promptly to avoid any further discrepancies in my credit report. 

If required, you may reach me at XXXX or XXXX for any additional information or verification. 

Thank you for your prompt attention to this matter, and I look forward to receiving confirmation of the updates made to my credit report. 

Sincerely,
Product: Checking or savings account

I am writing to formally address a matter regarding the wrongful withholding of funds and the subsequent false accusation of fraud by fifth third bank. I previously filed a claim against your institution concerning the deposit of a check that was unfairly held and not returned despite assurances to the contrary. Contrary to the representations made by your institution, my account was not closed, and the funds were not returned as promised. 

In addition to these failures, I recently received correspondence from the Department of the Treasury stating that due to my endorsement of the check, I am precluded from filing a claim with them. However, the banks actionsincluding the false allegation of fraud and the unlawful withholding of my fundsconstitute a violation of my rights under various state and federal statutes. 

Violation of the Uniform Commercial Code ( UCC ) : Under the Uniform Commercial Code, specifically UCC 3-304, a bank is required to honor checks unless there is a valid reason for non-payment, such as a stop payment order or insufficient funds. Your refusal to process the check and return the funds is a direct violation of these provisions. 

False Accusation of Fraud : The false accusation of fraud, without substantiated evidence, may violate state consumer protection laws and could be considered defamation under state tort law. Under the Fair Debt Collection Practices Act ( FDCPA ) and the Truth in Lending Act ( TILA ), the bank has an obligation to conduct fair business practices, and falsely accusing a customer of fraud when no evidence supports such claims constitutes an unlawful business practice. 

Theft and Conversion of Funds : Under state law, the unauthorized retention or withholding of funds that rightfully belong to an account holder constitutes theft or conversion. I request immediate reimbursement of the funds that have been wrongfully withheld and a formal resolution of this matter. 

Despite the Treasurys position on my claim, I am entitled to recover my funds, as the bank has failed to meet its legal obligations and has caused me financial harm by withholding my deposit and making false accusations. I request that you promptly resolve this matter by either refunding my funds or providing a valid explanation and legal basis for the continued withholding. 

Please respond in writing within 3-5 business days. If this matter is not resolved satisfactorily, I will be compelled to pursue further legal remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), my states Attorney Generals office, and exploring civil legal action for recovery of my funds. 


Please see previous report that was closed without any investigation XXXX XXXX XXXX which was completely bias and unfair. My money has been stolen by this bank and must be returned immediately
Product: Checking or savings account

BOA 's regulatory complaints department call and left an inaudible message as a feigned attempt to resolve a previously submitted CFPB complaint. The message is not audible. They did not send an email so there is no way to reply to the call. I called and emailed to try to get the information but have been stone walled. 

BOA refused to send me a proof of payment letter for XX/XX/XXXX {$120.00} payment to XXXX. Instead they faxed me some nonsense that does not expressly verify proof of payment and now they refuse to audibly communicate.
Product: Credit reporting 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  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and 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: Debt collection

" XXXX XXXX who claims to work for Direct Recovery Services '' has launched a campaign of repeatedly harassing/threatening me about a " Debt '' that is likely not legitimate, NOR MINE!!. The other reason that I'm filing this complaint has to do with the fact that I'M NOT THE PERSON WHO THEY CLAIM OWES THEM!! This is is in direct violation of UDAAP & FDCPA & I'm on the national do not call registry & " Tim Bell '' knows this, they're claiming my little brother is the debtor they're targeting. They have been told by me at least 3 times & after I got angry because they keep calling me at work, they promised to call me all the time until I convince my brother to pay them!!! Another reason for this complaint is because before they knew if they were even contacting the right person, they were leaving very detailed voice-mails with my brother 's personal information!!! I'm BEYOND ANGRY & WANT SOME RETRIBUTION!! 

Regardless of a debt, you harass the wrong person, you gave out identifying information about your intended recipient to a 3rd party you don't know, you have been notified by me that I'm NOT your debtor, & you made threats to escalate your deceptive practices. You have broken many laws & I want you fired or at least fined & reprimanded, you forget easily that there's REAL PEOPLE on the other end of the phone!! My job is very important, yours ... .... Not so much,
Product: Credit reporting

The state of Louisiana as inaccurate information on my credit report. They are showing that I have never made a payment and that I have been in child support since XXXX. I was placed on child support in XXXX and have made regular payments. Please remove this from my credit report it is in accurate.
Product: Money transfer, virtual currency, or money service

The XXXX case that was initially opened in XX/XX/XXXX was prematurely closed, as I believed that Googlepay had completed their task of refunding to me the balance ( {$180.00} ) of my permanently suspended account, however, these funds never reached my bank account as requested, and the {$180.00} had since been sent back to my suspended Googlepay account. 

In the time since opened my first case with the XXXX, I have been assigned a minimum of 6 GooglePay support staff members, each of whom did little to nothing at all in regards to the steps it will apparently take for me to receive the refund that is due to me from GooglePay.

I mentioned this in the initial case I opened almost 2 months ago now, that my boyfriend was dealing with the exact same situation with GooglePay ( ie paid {$180.00} by same person on XX/XX/XXXX, had account suspended on XX/XX/XXXX, was not able to retrieve these funds or talk to a rep from GooglePay about resolving this problem ) .The big difference with his case as compared to mine, is that it some time in XX/XX/XXXX, Googlepay allowed him one time access to his suspended account, at which time he transferred the {$180.00} onto a bank card of his, and his issue was resolved. I have asked repeatedly for the same opportunity from GooglePay but have not been allowed any access to my account. Instead, there have been 2 failed attempts to utilize ACH transfers into two different bank accounts in my name ( no reason has been given for the failure to transfer ) for which I gave accurate routing and account numbers as requested by GooglePay but now 2 months later, the {$180.00} still sits in my suspended account. 
If I would be allowed access just once to my GooglePay account, this situation that has been ongoing since XX/XX/XXXX would be resolved in minutes, rather than the months it had already taken Googlepay to assign, then reassign my case to several staff members, wasting valuable time, money, and resources on GooglePays end, and on my end has been hundreds of hours writing emails, opening cases with CFPB and others, and putting me out at w time where I am currently unemployed and desperately need access to the {$180.00} in question. Please give me one attempt to transfer the funds out of the account and then close my account permanently. Its that simple but has been made so complicated.
Product: Debt collection

In XX/XX/XXXX, my husband was commenting adultery and we are getting divorced, someone told me about freedom debt relief so I looked into it because my payments were large and now I am a single mother of two with a mortgage, student loans and a car payment. I had some of my cards for 14 years and have never missed a payment ever but I had no choice other then to see what this program could do! So they told me to stop making payments on my cards and that they would guarantee to settle my debt to lower amounts and save me money in the long wrong. So I started putting away {$390.00} every two weeks to them for a total of $ XXXX/month which was very hard but I knew it was only going to be for 5 years and then it would be over if not sooner based on their promises. Then a few months later they tell me to start putting away {$410.00} every two weeks for a total of $ XXXX/month so again I cried but had to do it. As of XX/XX/XXXX I have deposited a total of {$8500.00}. I got hit with three lawsuits right in a row and two of which they settled. My XXXX XXXX card for example they only got a debt reduction of {$2200.00} but then charged me a settlement fee of {$2300.00} ( which I get they are a business but they told me the fee is not paid until everything is paid and settled ) Then my XXXX  XXXX card was settled ( without my consent ) and they were able to have a debt reduction of {$3300.00} but then again charged me with {$2000.00} in a settlement fee. Yesterday I get a call from a lawyer that says I was hit with a lawsuit from XXXX and that I dont have enough money in my dedicated account and that I will need to put more money in- {$180.00} more every month and I then was very confused, I said well I have only paid around {$3000.00} out to companies, there should be a lot of money in my account to offer a settlement and she said no, there is only {$430.00} in my account. I then got very upset and called FDR. They are not willing to work with me in anyway and lied about their fee 's. There is no way they should have taken almost {$5000.00} in fee 's when I am still in the program for another 4 years. Just with those two cards alone, they are costing me more money then if I would have just contacted the companies and worked one on one with them! I asked if I could have my money back and get out of the program and just call my companies and they said I could leave any time but I would lose all of the money I have put into the program. I am very upset and worried and this is going to cost me so much more money in the long run! Its only been not even a year and I have already paid them so much money that I wasnt aware of and I have increased my deposits three times.
Product: Prepaid card

I have a {$25.00} American Express eGift card that I am unable to use ANYWHERE. I have tried using it numerous places with no success.
Product: Credit reporting 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 XXXX  Accounts # XXXX XXXX, XXXX, XXXX, XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States | have the right to privacy.

inst 1881 Section 604 A Section 2 lase stales a consumer repoting agency can not furnish a account without my witten 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
Product: Vehicle loan or lease

Late last year ( 2022 ) Florida was hit with two back-to-back hurricanes which devastated XXXX and XXXX Florida. A state of emergency was declared and millions were severely impacted by the back-to-back hurricanes. I am self employed and suffered a severe financial hardship as a result of the natural disasters. I called Ally shortly thereafter to apply for financial hardship assistance and was denied because the loan was new and had no payment history. Their decision to deny financial hardship assistance has resulted in my family and I struggling to keep up with payments while they use aggressive collections tactics ( including calling relatives ) to force payment. They have repeatedly threatened with repossession as we never seen to get caught up enough to get out of their repossession eligible status ( 50+ days past due ).
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in months that are reported late to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit card

Bought washer/dryer/fridge from XXXX XXXX on XX/XX/17 using a the store credit card that I signed up with on that day. 

XXXX I received an email that the card was on its way but I had recently moved and it was never forwarded by the USPS to the new address with their forwarding service. 

-Spoke with XXXX about not receiving the card, she was going to mark it lost and sent me to the " advance tech support ''. They could not verify me & said they would disconnect the call. I should receive a letter, call or email 7-10 days. 

XXXX called, could not identify me, told me the call is going to be disconnected & got the XXXX day communication story again. Asked to speak to a Supervisor, XXXXny, absolutely obnoxious. Got the same XXXX day story. 

-4/1- sent a letter to the company at ( no response yet! ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX followed up again, same 7-10 day story. Spoke to a XXXX. 

The number I have been calling XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is with Equifax. On XX/XX/2022, and XX/XX/2022, I sent a validation letter to Equifax certified mail. Receipt number XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX. I have attached these letters with this complaint. Equifax has fraudulently put an account on my report, XXXX XXXX XXXX, Account # XXXX. I ask Equifax to tell me how they verified that account and the method of verification. I have waited more than 30 days and still havent received any response in according to my letters. Equifax has refused to respond to my request to know how this was verified and the method of verification. I am aware that my rights are protected by The Fair Credit Reporting Act and Equifax has violated my rights 15USC 1681i ( 5 ) Treatment of inaccurate or unverifiable information & 15USC 1681s-2.
Product: Checking or savings account

POD AND BENEFICIARIES ... .requirements.

My complaint involves ALL PERSONAL ACCOUNTS ... ( savings, checking and cd or financial investment accounts ) ... .I have contacted the NC BANKING COMMISSION 3 times ... .and HAVE NOT received an ANSWER.

It seems that there are DIFFERENT requirements to allow POD and/or Beneficiaries on any kind of checking or saving or financial investment accounts ... ..and it seems that NO ONE in NC has a CLUE about requirements or rules about this. I, personally, did my own LOCAL RESEARCH/SURVEY after having *issues* with the problem. It seems as IF some banks requirement the name and address of the person ( s ) who are added to the account as POD or Beneficiaries ... .while other banks REQUIRE SOCIAL SECURITY NUMBERS, DRIVER 'S LICENSE and EVEN want the people appointed to COME INTO THE BANK to be added to an already established account. SO ... .with my results ... even though I was TOLD by a couple of banks that *IT IS THE LAW* to gather this information ... .I CAN NOT understand WHY no one will verify what is EXACTLY REQUIRED to do this. I am reporting this since I feel it is IMPORTANT ISSUE which NEEDS to be ADDRESSED and ALL BANKS NEED to follow the REQUIREMENT of doing so.

PERSONALLY, I think asking anyone for the information is a PRIVACY ISSUE ... ..as I do NOT or WILL NOT ask another person, ( EVEN RELATIVES ) for their Social Security Numbers and/or their Driver 's license to add them to an account ) ... .THIS is also a PRIVATE MATTER as well ... suppose I decide to *change my mind and no longer want them to be on my account or decide that I made a *MISTAKE* of adding them. AGAIN ... this is a PERSONAL AND PRIVATE MATTER and someone needs to ADDRESS the issues we have here and MAKE SURE that ALL BANKS FOLLOW what exactly is REQUIRED and is NEEDED.