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

I am filing a complaint against capital one regarding the deceptive practices related to their 360 high yield interest savings accounts. Capital one misrepresented the 360 savings account as having one of the nation 's highest rates, yet failed to notify accountholders about the superior rates offered by 360 performance savings account. This deliberates obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the consumer financial protection act and the truth in savings act. I seek redress for the for misleading practices and failure to fulfill their advertise promises.
Product: Credit reporting or other personal consumer reports

I am filing to formally dispute and request an investigation into an inaccurate collection account reported by Experian, XXXX, and XXXX on my credit report. The account details are as follows : XXXX XXXX XXXX Balance Owed : {$360.00}
Product: Debt collection

XXXX XXXX XXXX, XXXX XXXX CFO of  Credit Acceptance XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX. 
XXXX XXXX of XXXX XXXX XXXX XXXX MA XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX hall all conspire to infringe upon our unalienable rights and freedom of liberty 's. These individuals willingly and knowingly engage in criminal activity which has cause direct damage to all parties involved. These individuals took it upon themselves to violate state and federal laws which has cause extraordinary damages financial emotional and physical upon us. XX/XX/18 this fraudulent contract was created by XXXX. Credit was extended in a private agreement and XXXX choose to neglect title 15 section 1692 and made a private transaction into a public transaction which is unlawful. The attachment that will be attached in good faith is PRIMA FACIE EVIDENCE OF THIS ON GOING UNFAIR AND MISLEADING INFORMATION WHICH IS BEYOND REASONABLE DOUBT OF DECEPTIVE BUSINESS PRACTICES. 

AGENT TO PRINCIPAL IS PRINCIPAL TO AGENT IGNORANCE OF THE LAW IS NO EXCUSE NOR DEFENSE
Product: Mortgage

We have been paying our mortgage a month in advance since XX/XX/XXXX. Received a letter from PennyMac, dated XXXX XXXX, XXXX, stating they would no longer accept our mortgage payment from our credit union and will not be sending ebill statements to our credit union. Our options, through PennyMac are to mail a check or money order, XXXX XXXXXXXX XXXX XXXX, OR BETTER YET, set up auto pay through THEIR website. We do NOT allow anyone to automatically WITHDRAW from our bank account! Mail system sucks here in XXXX and we have found another bank was sitting on our vehicle payments and not posting in a timely manner. We now drive to the bank and personally make the payments to end this process. We have been harassed by phone calls from Penny Mac to the extent that we have blocked their phone calls. Now we are getting harassed via emails on our phone. For example I have received 9 emails from XXXX XXXX XXXX this week alone. Our complaint is why this company DOES NOT comply as other companies do! It does not cost them to send ebills and receive payments ( with the proper acct information ) to/from our financial institution. This is a government backed loan.
Product: Credit reporting or other personal consumer reports

Hello, Experian has an unrecognized inquiry on my credit report. My credit report has been shared without my consent and the below inquiry need to be removed and proof of any credit applications etc. need to be provided in reference to this inquiry.

The inquiries are listed below : Account name XXXX XXXX XXXX Date of request XXXX
Product: Credit reporting or other personal consumer reports

I have supplied over 3 letters to the credit bureau via certified mail asking them to kindly remove yelp as my employer since they have never been my employer. I have never lived at any of the addresses on my credit report and none have the right to be there besides my current address, which is also listed twice along with 2 other addresses that seem to be versions of one another. I have supplied my ID card and utilities bill along with my W2. I have certified mail receipts that the letter I sent in XX/XX/year> was received, and received a credit report in return with the same outdated and invalid information.
Product: Mortgage

I was struggling with my finances and applied for a XXXX  XXXX bankruptcy in XXXX. I have not missed any payments toward that repayment, and it will be completed at this schedule in XXXX of XXXX. As soon as that was filed and I started making the payments on the biweekly schedule, I started having issues. They continue to tack on additional fees and out of left field started to pay my Homeowners insurance. They have not added an escrow/impound account to my payment, which would make sense if they were intending to pay on a continuing basis. So they pay with no reserve and set me up on a payment schedule outside of the bankruptcy, claiming that this is part of the original contract. When I make payments on that schedule, they apply funds to the principal balance or fees, and will not reapply them. This has been done over the phone with explicit instructions to apply to the homeowners insurance. After making payments on this ridiculous plan, they claim that I have not paid and start to threaten me with foreclosure. I then have to come up with the funds AGAIN and pay up. This leaves me short on other expenses, including utilities and groceries. I have also had to neglect my vehicle, which is in need of repair and also being paid through the XXXX  XXXX, and currently is not running. This year, the incident is happening just in time for the holidays. I have had to cancel all of of my plans to get this dealt with. Just today, I called and asked to speak with a manager. I was told there was no manager to speak with. They are abusive and predatory, and denying service for which I paying. This is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$10000.00}
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, MD XXXXXXXX XXXX XXXX XXXXXXXX Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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 reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$620.00} Charge-off XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

I had a checking account with Chase. I moved so I called and asked to close my account on XXXX XXXX, with remaining balance of {$1600.00}. I was told that I could n't transfer my funds out and that instead I needed to close the account and I would be mailed a check. I received no notification about the account being closed, neither through email or mail. After a month, I had n't received the check and called Chase. I spent over an hour on the phone with various representatives who kept passing me to other representatives, all giving me the same answer that they were n't sure what happened to my money. Someone was eventually able to cancel the lost check and requested that I sign an affidavit and get it notarized. I sent that in weeks ago and have received no communication from Chase since. I just called in again, and spent 42 minutes sitting on hold and being passed to different representatives again, and the phone call ended with them telling me they were n't sure where the check went or what the status was. There was no result. I was essentially told tough luck, your {$1600.00} is gone. Every time I call, I get passed around to different representatives and all of them tell me they ca n't help me. I 've asked for supervisors, managers, and senior level managers, but even they ca n't help and just pass me to someone else. I 'm pretty lost at this point and feel like Chase just robbed me of my {$1600.00}, on top of the fact that I 've been without it for nearly 2 months and I should 've had it in 5 - 10 business days.
Product: Credit reporting or other personal consumer reports

Subject : Request for Debt Validation and Assignment Details Under 15 U.S.C. 1692g This letter is in response to your recent communication regarding an alleged debt you claim I owe. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting validation of the alleged debt and detailed information regarding the assignment and ownership of the debt.

Please provide the following documentation : 1. The amount of the alleged debt, including a breakdown of principal, interest, fees, and other charges.

2. The name of the original creditor, and the account number associated with the original account.

3. A copy of the original agreement that bears my signature and shows I have a legal obligation to pay this debt.

4. Documentation showing that you are authorized to collect on this debt, including a full chain of assignment from the original creditor to your agency, with dates and names of all entities that have owned or collected on this debt.

5. The date of default or charge-off and any applicable statute of limitations information.

Please also confirm whether this alleged debt is being reported to any credit reporting agencies. If so, I formally dispute the debt and request it be marked as " disputed '' in accordance with 15 U.S.C. 1692e ( 8 ).

Until this information is provided, I request that you cease all collection activities, including reporting to credit bureaus, as required by law.

This is not a refusal to pay, but a request for validation. Be advised that any failure to respond with the requested documentation will be considered a waiver of your claim and a violation of the FDCPA.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : Experian XXXX  XXXX XXXX XXXX Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX XXXX XXXX  Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Account type Secured Loan Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XXXX XXXX Balance {$1200.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX XXXX XXXX  Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Account type Secured Loan Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX XXXX XXXX  Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX XXXX
Product: Credit card or prepaid card

I submitted an application for a XXXX XXXX through Synchrony Bank on XX/XX/2018, application reference number : XXXX. I was instructed by Synchrony Bank to wait XXXX business days for a letter in the mail with the results of their decision, it is now XX/XX/2018 I have not received such letter. I have made 3 additional attempts dating XX/XX/2018, XX/XX/2018, and on XX/XX/2018 requesting for this letter to be re-sent with no success. According to the FTC, a consumer must receive an " adverse action '' notice in writing explaining why the credit application was denied based on consumer report. I strongly believe that Synchrony Bank is in NON-COMPLIANCE with FCRA Rules and have failed to provide an adverse action letter.
Product: Bank account or service

Chase bank has charged me {$740.00} dollars in overdraft fees this year alone. After complaining and threatening to close my account, they refunded me XXXX of these overdraft fees. In total, they have taken {$570.00} in the last year alone. Due to their predatory ways, I closed my account with them on XXXX/XXXX/2015 by sending them a message to close the account ( as is allowed per their website ). However, they never did close my account and allowed several other transactions to post. Yesterday, XXXX XXXX, 2015 XXXX transactions posted, totaling {$48.00}. In order to avoid the overdraft fees, I deposited a check from the bank I am currently using into my account on the same day. However, as they do, they still charged me XXXX {$34.00} fees. Now I owe them {$64.00} in overdraft fees for {$48.00} transactions. I have contacted them asking them to refund the fees, but they will not. Nor will they close my account. The fees are not valid because first of all, my account should have been closed, and second of all, I deposited funds into the account on the same business day to prevent the overdraft.
Product: Credit reporting or other personal consumer reports

Complaint Against 1st Franklin for Failure to Respond to Debt Validation Letter. 

Dear Sir/Madam, I am writing to file a formal complaint against 1st Franklin for their failure to respond to my debt validation letter dated XX/XX/2024. Despite my explicit request for verification of the debt, 1st Franklin has neglected to provide the necessary documentation within the legally mandated timeframe.

As outlined in my original correspondence, I provided 1st Franklin with ample opportunity to furnish the supporting documents and probable evidence regarding the alleged debt referenced by account number XXXX. However, despite the passage of more than 30 days from the date of my initial letter, 1st Franklin has failed to comply with federal laws governing debt validation.

Their willful negligence in addressing my concerns not only violates my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practice Act but also exacerbates the financial distress and emotional burden I have endured due to this unresolved matter. 
I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action to ensure that 1st Franklin fulfills its obligations under the law. Additionally, I request that the Bureau notify me of any updates or resolutions regarding this complaint.

Please find enclosed a copy of my original debt validation letter sent to 1st Franklin for your reference. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

This letter is to inform you that I have become a victim of identity theft. I contacted the Federal Trade Commission and filed a FTC complaint which is attached. There are accounts on my report which do not belong to me. These accounts are hindering me from obtaining new credit and thus causing me much hardship. 
I am 100 % willing to work with the credit bureaus and authorities to resolve this matter as soon as possible. I will be following up with your agency to assure everything is being done to remove these fraudulent accounts from my report. Please be aware all required documentation is within this packet and has been Faxed and mailed via Certified mail to your agency. 

In addition, I demand the following fraudulent Inquiries be deleted from my credit report immediately.

Please remove it from my credit report or Im seeking litigation please delete. 

I demand the following fraudulent Inquiries be deleted from my credit report immediately. 
Bank Name : XXXX- Transunion Date of inquiry : XX/XX/XXXXXXXX  I demand the following fraudulent Inquiries deleted from my credit report immediately. 
Bank Name : XXXX XXXX Transunion Date of inquiry : XX/XX/XXXX I demand the following fraudulent Inquiries be deleted from my credit report immediately. 
Bank Name : XXXX XXXX XXXX Transunion Date of inquiry : XX/XX/XXXX I demand the following fraudulent Inquiries be deleted from my credit report immediately. 
Bank Name : XXXX XXXX Transunion Date of inquiry : XX/XX/XXXX I demand the following fraudulent Inquiries be deleted from my credit report immediately. 
Bank Name : XXXX XXXX Transunion Date of inquiry : XX/XX/XXXX I demand the following fraudulent Inquiries be deleted from my credit report immediately. 
Bank Name : XXXX XXXX Transunion Date of inquiry : XX/XX/XXXX I demand the following fraudulent Inquiries be deleted from my credit report immediately. 
Bank Name : XXXX XXXX- Transunion Date of inquiry : XX/XX/XXXX I demand the following fraudulent Inquiries be deleted from my credit report immediately. 
Bank Name : XXXX XXXX Transunion Date of inquiry : XX/XX/XXXX I demand the following fraudulent Inquiries be deleted from my credit report immediately. 
Bank Name : XXXX XXXX  Date of inquiry : XX/XX/XXXX I demand the following fraudulent Inquiries be deleted from my credit report immediately. 
Bank Name : XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX I demand the following fraudulent inquiries be deleted from my credit report immediately. 
Bank name : XXXX XXXXXXXX XXXX  XXXX XXXX XXXX of inquiry : XX/XX/XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have numerous medical bills on my credit report which goes against the laws. XXXX XXXX have to open accounts on my credit report, account resolution services, transworld system and account resolution corpo
Product: Checking or savings account

I sent in a previous complaint and you responded to me that Chase was still working on it. I have included a copy of my last statement showing the funds were available. 
Another document I'm sending in shows and proves I paid a late charge on my rent and got an eviction notice because they said I presented a fraudulent check. 

How can it be a fraud check when the funds show its in my account? At least that is what a XXXX in the Executive office said yet the bank wont release the funds after telling me the funds would be available on XX/XX/2018. Today is XX/XX/2018 which has given them 25 days to work on it. They told me they can only be placed on hold to whomever they were calling yet they expect their customers to be on hold for 45-60 consecutive minutes. 

They have caused me all kinds of undue stress. My XXXX money came in On XX/XX/2018 like it was supposed to be but they didnt release it to me until two business days later making my rent late. I have included the proof on that. I didnt however get the letter regarding a dishonored check when they claim the account was restacked not close but look at the attached letter stating dont use checks, cancel all direct deposits and online bill pay. Does that sound like a restricted account? A XXXX at the Branch on XXXX says that its pending closing because of that check. They didnt even give it adequate time to take its course. 

Now I would like to know who within Chase and what address can he or she be served at so that I can sue them in small claims court? Last I heard I can sue for up to {$10000.00} and I am going for the full amount for all the undue stress and not having reasonable expectations as to when everything will be taken care of. So tell me how much more time do I have to wait, its already been 25 days. After all they told me from the beginning its going to be two business days and not weeks. 

They, being chase, told that to XXXX XXXX where my high interest money market account was that I presented Chase with a fraudulent check. 
Next thing I know is that XXXX XXXX called me to tell me they were closing my account because of fraud. They have no proof of fraud on my part. Infact, they still have some of my money, it isnt much but they wont return it.