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

This account was under the forbearance agreement and M & T bank said they would not report late payment status, As I was protected by consumer law for forbearance agreement. When I mentioned it was affecting my credit due to late payment reported, the M & T bank officer said that is incorrect and I should report to the credit agencys as incorrect and they would fix it
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the continued reporting of inaccurate information on my credit report and to address your failure to comply with the Fair Credit Reporting Act ( FCRA ). After multiple investigations conducted by your bureau, certain accounts on my credit report have been returned as verified, yet I have not received any method of verification or supporting documentation from your office to confirm the accuracy of these accounts. This failure to provide proper verification and documentation is a violation of my rights under the FCRA. 

On multiple occasions, I have disputed the accuracy of these accounts and requested detailed documentation regarding the verification process used in these investigations. Despite your initial assurances that I would receive this documentation within 7 business days, no supporting information or explanation has been provided, and the accounts continue to be marked as verified. 

Account Name : XXXX XXXX XXXX | Account Number : XXXX Account Account Name : XXXX XXXX | Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX As outlined in 15 U.S.C. 1681i ( a ) ( 6 ) ( B ), the FCRA mandates that you provide the method of verification and the documentation supporting your investigation within 15 days of a request. Your failure to comply with this requirement is an infringement of my rights, and I request that you take immediate action to correct this issue. 

Specifically, I demand that you either : XXXX. Immediately delete the disputed accounts from my credit report due to your failure to properly verify them, or XXXX. Provide the method of verification and complete documentation of your investigation results within XXXX business days of receipt of this letter. 

Please be advised that if this matter is not resolved within the specified timeframe, I will have no choice but to pursue further legal action under the FCRA. Consistent failure to provide proper verification documentation constitutes a violation of my rights and exposes you to statutory damages, as outlined in 15 U.S.C. 1681n and 1681o for willful and negligent noncompliance.

If I do not receive a resolution or appropriate documentation, I will take further steps to file complaints with the Consumer Financial Protection Bureau ( CFPB ), and consider pursuing legal action for violations of the FCRA.

I look forward to your prompt response to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX. FCRA Section 1681i ( a ) ( 6 ) ( B ) Requires the credit bureau to provide documentation of the method of verification within 15 days of a request.

2. FCRA Section 1681i ( a ) ( 5 ) Requires deletion or correction of inaccurate or unverifiable information after an investigation.

3. FCRA Sections 1681n and 1681o Provide for statutory damages for willful and negligent noncompliance.
Product: Credit reporting or other personal consumer reports

XXXX mailed me a letter stating {$0.00} Balance XX/XX/year> XXXX, XXXX and TransUnion also XXXX SHOWS INACCURATE INFORMATION!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing the inaccuracies on my credit report XX/XX/2022 and I am still having the same issues. This is hindering my opportunity of homeownership. I'd asked the credit bureaus to " investigate every piece of information '' on my accounts I have listed below. According to the FRCA the term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. I have asked respectfully that Id be provided with proof of the disputed item specifically any contact note, court document, or any instrument having my signature. They have failed to do this as expected, according to the law, the items would be deleted within 30 days, but this has been ongoing since XX/XX/2022. The credit bureaus stated my account was verified but how is that possible if they did not do a proper investigation according to the law. This was the response after several dispute letters were sent and ignored. I recently accessed a new credit report and found the same and similar discrepancies which means every piece of information on these accounts are still not 100 % accurate according to the FRCA 15 USC 1681 everything must be 100 % accurate. I have the credit report still showing inaccuracies. 

XXXX XXXX : XXXX Experian : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian : XXXX XXXXXXXX XXXX ( Please validate and correct ) XXXX : XXXX Experian : XXXX XXXX : XXXX
Product: Credit card or prepaid card

Hello, My first in counter of any fraud on my Home depot, was a email alert sent from The Home Depot Consumer Credit Card, and in this email alert, was informing me We noticed suspicious activity on your Home Depot account. 

Exclamation Point ACTION REQUIRED This is a screenshot of that in the email sent to me from the Bank the store credit is issue from was letting my know that a Exclamation Point Review the recent activity below Hi, XXXX. Let us know immediately if you, or anyone you authorized, used your Home Depot account ending in XXXX for the transaction ( s ) noted below. You may not be able to make purchases on your Home Depot account until we hear back from you. 

the amount of activity was a purchase Amount : {$1100.00} Date : XX/XX/2022 Merchant : THE HOME DEPOT Location : XXXX XXXX, CA Charge Status : Referred Amount : {$590.00} Date : XX/XX/2022 Merchant : THE HOME DEPOT Location : XXXX XXXX, CA Charge Status : Referred This was sent to me, and also asked if recognize the charge ( s ) above My response was no, and that had never ever been to location in life. California is very large state and there is area of California that I have not travel. After there investigation, It seems since they were not able to find the real criminals. The Store is not reversing the purchases back onto my count so that will be liable for payment of these unauthorized purchased that I did not due the my card was lost or stolen with out my knowledge. I I did make several attempts to explain that I would not even know about any fraudulent happen on my account if I had not received the email alert informing me of the criminal activity happen on my account. I have decided to close this account, because very disappointed how the investigation department has handle this criminal on my account. I dealing hardship with a lost of a family all during the time I'm dealing with issue. 
I would appreciate all help you can assist in fighting battle of unjust and unfair towards. 

Thanks advance,
Product: Checking or savings account

The branch manager that open my business checking account ( account number XXXX ) for PNC Bank, XXXX XXXX, please see her information details below placed a hold on my business checking account and will not release my Funds.even though the letter from Bank stated please see attachment that my phones would be released by the seventh still until now has not been released and every time I visit the branch all the branch managers avoid me. 

XXXX XXXX Assistant Manager Business Banking Center NMLS IDXXXX PNC BANK XXXX XXXX XXXX XXXX , Virginia XXXX T XXXX F XXXX
Product: Credit card

This credit card was applied for without my knowledge, It seems my identity has now been compromised/ stolen. I am not sure where it was stolen from. I want the impersonator to prosecuted to the fullest extent of the law, which is why i asked the company to provide me the Name, Phone #, Address, and IP Address the electronic Credit application was submitted from so I can file a police report with the correct information to press charges against this individual. The company declined to provide that information to me, i am not satisfied with that response as it is my identity that has been compromised with out my knowledge.
Product: Credit card or prepaid card

I have been paying well over the minimum balance for a long time. I have XXXX additional categories in addition to purchases, which are the lowest interest rate. I had Bank Cash Advances and another category broken out as Direct Deposit and Check Cash Advances. The latter have the same interest rate. However, the balance bearing on the interest rate is substantially higher for Direct Deposit and Check Cash Advances than for Cash Advances. The law states that amounts above the minimum should be allocated based on the BALANCE BEARING THE NEXT HIGHEST RATE OF INTEREST. Bank of America should have allocated the payment over the minimum balance to the Direct Deposit and Check Cash Advances balance which had a balance over {$12000.00} more than the Cash Advances. As a result, the Direct Deposit and Check Cash Advances balance continued to increase by several thousand dollars. The Cash Adnance balance was less than {$3000.00}. Based on the intent of the law, the balance that would have the greatest bearing on the interest rate accrual should have been paid first.
Product: Mortgage

Hello, I am writing to report a serious security concern regarding Roundpoint Mortgage Servicing LLC. The company uses Social Security numbers ( SSNs ) for username lookups on its website, mobile app and when calling over phone, which suggests that SSNs are being stored in plain text and used to look up user accounts. 

Specific Issues : 1. Gramm-Leach-Bliley Act ( GLBA ) : The Safeguards Rule requires financial institutions to protect customer information. Storing SSNs in plain text and using them for user lookups may violate this rule.

2. Federal Trade Commission ( FTC ) Act : Section 5 prohibits unfair or deceptive practices. Failing to protect SSNs adequately may be considered an unfair practice.

3. California Consumer Privacy Act ( CCPA ) : As a California resident, I am concerned that this practice does not meet the CCPA 's requirement for businesses to implement These practices expose customers to significant risks of identity theft and unauthorized access. I'm asking the FTC to investigate this matter and ensure that Roundpoint Mortgage Servicing LLC complies with relevant data protection regulations.

Thank you for your attention to this matter
Product: Checking or savings account

I open an account years ago and don't remember dates. But i do know i were charged fees from Wells Fargo using debit card and also charged for over draft fees.
Product: Checking or savings account

Close account no knowledge cronies accounts all 2 banks XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX over draft fees spot mee fees value customer fraud value customer chime wouldnt help me final months n months they open account but didnt still give money so barley use it over XXXX inlost
Product: Credit reporting or other personal consumer reports

{$320.00} Balance updated XX/XX/XXXX Original balance {$320.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Collection account. {$320.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX 2021
Product: Credit card or prepaid card

On XX/XX/2019 I checked my balance by phone before going to the store. I noticed that my account balance was several hundred dollars less than it should be. I tried to log into the direct Express site, to check my balance, but it would not let me. I tried to contact direct Express and after several calls that could not go through due to high call volume and 40 minutes on hold I was finally able to reach someone. I asked him what the charges we and he told me there was one from XXXX totaling XXXX dollars and to call XXXX to have them stop the charges. He did not have me cancel my card or tell me that there was another charge to XXXX of XXXX dollars. I contacted XXXX who did not come up with anything in an investigation. I tried contacting direct Express for 3 days and again due to high call volumes could not get ahold of anyone. While this was happening there were 4 more fraudulent charges 2 foriegn and 2 from XXXX in XXXX  made on my card. When I finally was able to get ahold of someone she had me cancel my card, told me she was sending a new one and a package to despute the charges and asked if I wanted expedited shipping on the card for a charge to which I said no. A few days later I got an email from ups saying they had delivered my card, the card was delivered to the wrong address, and the despute packet never arrived. When I contacted direct Express about  the card being delivered to the wrong address and not receiving the packet, they said they would send a card, but I would be charged for it. I told them I should not be charged because they sent it to the wrong address, to which they said they would waive the fee and send the despute packet. On XX/XX/XXXX they charged me XXXX for expedited Shipping of the card which I explicitly said I did not want, and they never sent me a despute packet. On XX/XX/XXXX they gave provisional credits for 2 of the purchases while they investigated the charges. I still had not received the packet to despute the charges and include my police report. And they did not credit me for the 4 other fraudulent charges. XX/XX/XXXX I recieved a letter saying they had investigated and were not able to prove fraud had occurred and will be reversing my credit and be taking XXXX back from my card. Again I was never provided the packet to despute or provide further information for their investigation including a police report and the facts that 4 of the charges were in California and two out of the country in a foriegn language while I live in kansas. I am on disability and them taking the money back is detrimental to me and my living situation. I have not been able to get ahold of anyone at direct Express since  receiving the last letter. There are no family members or friends that have access to my card, all of these charges occurred while I was sleeping.
Product: Debt collection

Portfolio Recovery Associates , LLC, have called me, sent me correspondence, I explain my financial situation. My parents called to inform me that the company called them, how the company got my parents number I do n't know, I called them company and asked them to remove my parents number from their list. But I 'm beyond upset when my XXXX year old son, told me he received a call from XXXX XXXX hounding him. This is my debt, not my parents or children this harassment need to stop
Product: Credit reporting

You recently verified that XXXX items belong to me. How do you or where did you get that information from. XXXX XXXX has no validation of me, They have sent me letters stating not my name. XXXX of the letters had to different names. XXXX letter had a name that was similar to mine, and the other letter had a different name as well. The account in question stated phone numbers. I have never seen the numbers, never possessed any of the numbers they mention. 
Please read this Notice and Demand very carefully ; failure to reply may subject you to criminal prosecution. Credit File dated XXXX XXXX, 2015, I received an re investigated letter from Equifax alleging that I owe a sum of money or property for an alleged past due amount that has been placed with for collection. I do not owe this corporation any money or property as I have never conducted any commerce with this said corporation and no contract obligating performance has been evidenced. XXXX XXXX does not have the standing to collect any money or property from me. I hereby dispute and deny the alleged debt. I have a Right to Due Process of Law which may be satisfied by producing the documents demanded in this correspondence within the time allowed. I would like for you to provide me with full documentation Full, that I have a contract with XXXX XXXX and by law that they have the right to collect a debt validated with all of my personal information is accurate.
Product: Checking or savings account

This issue occurred today, XX/XX/2021. 

I am unable to obtain a bank statement for a single account while holding multiple accounts with Capital One 360. This functionality appears to be available on the bank 's website but is not working. 

I called the bank to obtain the necessary statement - showing the single account without information for other accounts at Capital One. I spoke first to XXXX, employee ID XXXX, followed by XXXX, a supervisor and part of Capital One Management Team, employee ID XXXX. 

I was informed that Capital One has discontinued providing statement for individual accounts and that there is no way to obtain such a document. I expressed my concerns over the privacy of my financial information in having to share data for multiple accounts rather than a single account with another financial institution in response to a request. 

XXXX indicated ( 1 ) that other customers had expressed concern over the inability to obtain statement showing data for only one account and ( 2 ) Capital One had no intention of considering these concerns or providing the necessary statement. I was informed that there was no one else at Capital One that I could speak with in attempt to remedy the issue. Eventually XXXX enter a customer support request which he was insistent would take 20 days to receive a response, could not be expedited, and would not result in obtaining the necessary statement for my account. 

In holding multiple accounts with this institution, I am left with the undesirable options to either compromise my financial privacy by providing data for unrelated accounts or not provide the necessary financial records to qualify for a mortgage. 

Financial institutions should be mandated to provide clients with separate statements for each account they hold with the institution upon request.
Product: Debt collection

I called both the third party and XXXX to handle this issue in the most respectful way and I did not receive the same respect in return. The company is saying I owe XXXX XXXX for policy cancellation and return payment back in 2018. My policy was cancelled twice because of proof of garaging that was not sent in the first time. I wasnt sure at the time what that meant or what happen so after that I started the policy back up and paid again to get it back for it to get cancelled because of the same thing to later find out the they meant proof of address. So now they tell me it was because of a payment return and that they still insured me but as I told the rep on the phone I have no knowledge of a return payment or anything and I told them it was still no reason to put it on my credit. The information they have on file for me was incorrect so I never received an email I only received mail that said cancellation due to proof of garaging. They would not listen to me or work with me in anyway so I decided to take the next step.I also asked for supporting documentation of anything they said to me on the phone and they would not provide and I was given attitude.
Product: Payday loan, title loan, or personal loan

I was misled into believing I had an offer. They performed multiple hard credit inquiries for the same product. Each time they had a question that they had to stop they would make a new inquiry on my report for the same loan. Then they withdrew the offer.
Product: Debt collection

PLUS FOUR INC ( XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$0.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2014 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Credit reporting or other personal consumer reports

I am disputing, yet another violation of my consumer rights. Under 15 US Code 1629c ( c ), it clearly states if a consumer notifies a debt collector that the consumer refuses to pay a debt, the debt collector MUST CEASE ALL COMMUNICATIONS. I have been receiving constant phone calls, text messages and emails and at will to sue! 

I do NOT have a contract with these collection companies and have no knowledge of them. Therefore, you must DELETE from my credit report immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I had submitted complaint 5 times and I need help! I need my money Sofi is stating that authorized the charges and yes Im not saying I didnt but I was scammed by the merchant when they didnt provide me with my entitled money and the bonus cashback that Im entitled for so since the merchant frauded me and scammed me for false promotion I had decided to get a dispute and get my money back! And as well had filed a police report! I need my money! As under fdic Im covered and under efta Im covered and Sofi had breached policy and regulation