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

I am writing to file a formal complaint against XXXX XXXX  for their failure to comply with the Fair Credit Billing Act ( XXXX ) and the Fair Credit Reporting Act ( FCRA ). Despite multiple requests for comprehensive documentation and information regarding my credit card account, XXXX XXXX has failed to provide the necessary documents within the legally required timeframe. This non-compliance has significantly impacted my credit report and financial standing. 

XXXX XXXXXXXX XXXX provision of only XXXX months of billing statements, despite my request for all statements since the account 's inception, is a direct violation of my rights under the FCBA. Furthermore, XXXX XXXXXXXX XXXX quick " verification '' of account information with Experian, XXXX, XXXX, and XXXX, without providing me the requested documentation, raises serious concerns about the accuracy of the information being reported. 

Additionally, I have provided evidence that XXXX is reporting inaccurate information regarding payment periods in XXXX. This inaccurate reporting and the subsequent quick verification by Experian without proper investigation into the provided evidence, undermines the integrity of the credit reporting process.
Product: Mortgage

While attempting to purchase our home it was identified the home is in a flood zone according to FEMA maps. The seller paid a surveyor to verify it was above the flood level, which it was, and apply for a Letter of Map Amendment ( LOMA ), which was approved. We received the LOMA and bought the house through XXXX XXXX in XX/XX/2019. Shortly thereafter it was then taken over by Lakeview Loan Servicing. They notified us in XXXX that the was still in a Flood zone we had 45 days to purchase Flood insurance. We sent the LOMA along with XXXX XXXX 's letter of exemption but they purchased the insurance anyway. I have reached out several times to have it removed but they state they can't and never provide straight answers. They will not return phone calls or emails. I have several requests tickets with no replies over the past couple of months. The now state my new monthly bill will be up {$1900.00} from the original {$1500.00}. I really need help as the bank is of no help at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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

I have no idea why Bank of America is allowed to charge so many overdraft fees. I have 6this month and I barely have a lot of money, that many transactions or bills coming out. I have more fees than money in my bank account often.
Product: Mortgage

On XX/XX/21, I closed on a refinance of my loan, resulting in a payoff of the original mortgage held by SunTrust. The loan funded and paid more than what was owed on the loan balance, as confirmed by SunTrust 's website on XX/XX/21. Every three days following that pay off, I have attempted to contact SunTrust by phone or by their web messaging to obtain a refund of the over payment and my escrow balances. On two occasions, most recently on XX/XX/21, I reached a call center rep only to be hung up on and forced to start over after hold times of 30 minutes. 

The branch offices tell me they can not help, and I have no means to obtain my money owed by the bank, or even an online site to view the balances as they remove the loan from the site as soon as it is paid off. Please help me by inspiring a response to my request for repayment.
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Collection/Charge Off 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 XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I am writing to seek assistance from you regarding the removal of unknown inquiries from my credit report. Despite making these attempts to resolve these issues directly with the credit bureaus and creditors, I have been unsuccessful in removing the following fraudulent items : I have disputed these items multiple times with the credit bureaus ( XXXX, Equifax, and XXXX ) and have contacted the respective creditors directly. Despite providing supporting documentation and evidence that these entries are fraudulent, my disputes have not resulted in the correction or removal of these items from my credit report. The continued presence of these fraudulent items on my credit report is causing significant financial harm and affecting my ability to secure credit and improve my financial situation. I believe my rights under the Fair Credit Reporting Act ( FCRA ) are being violated, and I am seeking for your assistance in resolving this matter : XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit card

On XX/XX/2023 got approved for a Wells Fargo Cash Credit Card, I received the card after 6 days with 2 blank checks for the Balance Transfer offer so i used the first check and paid the amount back on XX/XX/2023, and wrote a second check and deposited in my wells fargo XXXX XXXX XXXX XXXX, then called the customer service on same for inquiry how long takes to payment posted in my credit card before depositing the check in my checking to do a balance transfer from credit card Ending XXXX to my checking XXXX XXXX XXXX so the payment posted in my credit card on XX/XX/XXXX, and i wrote the check and deposit on XX/XX/2023 went to the branch on XX/XX/XXXX, to withdraw the money with no issue Later on the bank returned the check for no reason and charged my checking account for overdraft fee {$35.00} plus the negative amount of the returned check from my Wells Fargo credit card the bank all the car is, i have to pay the negative balance plus overdraft fee i will never do that, won't take any action of my side let this worst bank in the USA close the negative account and i will file a dispute with XXXX XXXX XXXX XXXX i'm attaching all the docs to show the dates didn't do anything wrong in this transaction but this scam bank all they want charge me an overdraft and tried to convince me its was my fault
Product: Debt collection

I am writing to file a complaint against LVNV Funding LLC and XXXX XXXX XXXX, for violations of the Fair Debt Collections Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) Details of the issue : On XX/XX/year> I sent a certified debt verification letter as per FDCPA Section 809 ( b ) LVNV Funding LLC after seeing they been reporting to credit agencies on debts that I do not remember having. The letter was for them to verify these debts they claimed I owed. 
The first account was for {$790.00} and only included XXXX statement and an account summary with no supporting proof whatsoever. The second account that has continued to report to this day for {$230.00} only come with a letter from XXXX XXXX XXXX saying Resurgent Capital Services L.P . Manages the above referenced account for LVNV Funding LLC and has initiated a review of the inquiry either directly or from XXXX XXXX XXXX, the current servicer of this account. All this was news to me but XXXX thing I can say for sure is that LVNV Funding LLC are reporting to the credit agencies as the original creditors. 
As mentioned above, due to their failure to verify this debt I am exercising my right under the FDCPA to request that they cease all collection activities, including reporting to credit agencies. Furthermore, their response was inadequate and does not constitute proper debt verification under the FDCPA and failed the minimum proper debt verification which should at least include : Proof of original debt ( copy of original contract and statement of account ) Proof of debt ownership- Chain of title/custody Itemized account statement ( Breakdown of the amount owed and payment history ) Information of the original creditor ( name of original creditor and date of the original debt ) Account number Status of debt ( Charge off or open ) Despite the letter sent and request to verify the XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have XXXX XXXX XXXX and continue to report to the credit agencies. This has caused damage to my credit report and violated my consumer protection rights and also FDCPA and FCRA Laws Violations XXXX. Violation of FDCPA XXXX XXXX ( b ) : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to report the debt to credit reporting agencies without first providing me with the verification of the debt as required by law. 
XXXX. Violation of FCRA XXXX XXXX ( a ) ( XXXX ) : By continuing to report the debt without verifying it, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have provided inaccurate and misleading information to the credit reporting agencies XXXX. Violation of FCRA XXXX XXXX : These companies have failed to properly investigate the disputed debt, leading to further reporting of inaccurate information Impact Due to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in misreporting inaccurate, misleading and unverifiable information my XXXX XXXX has been negatively impacted and I have experienced unnecessary stress and anxiety. I believe this a clear violation of my consumer rights
Product: Debt collection

I 've contacted this company twice since XXXX to provide me with proof that this account is in fact mine, which it is not. They have not provided me any proof and they are reporting negative information on all XXXX of my credit reports.
Product: Debt collection

I called the company and I paid the debt they said it would come off of my report, the company never deleted the information off of my credit reports like XXXX, XXXX XXXX. I dont owe this debt this company and myself made a deal and I paid them almost XXXX dollars. I had to put the debt on another credit card. This company was very pushy and threatening and i felt harassed. I paid what they told me to and I didn't receive the results I thought I would receive.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of fraud. Several inquiries were made fraudulently on my report. 
XXXX XXXX XXXX on XX/XX/XXXX - XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX On XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Violations of : Permissible Purpose : 15 USC 1581b Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) Verification : 15 USC 1681i ( 7 ) & 15 USC 1692c Responsibilities of Furnishers : 15 USC 1681s-2 & 15 USC 1635 & 15 USC 1692g My report reflects fraudulent accounts and inquiries that I did not authorize, leading to a significant decrease in my FICO credit scores. Documentation from Experian and XXXX  confirming my information was compromised in the breach is included with this letter. Following my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I request the immediate removal of these fraudulent accounts and hard inquiries. The circumstances surrounding these debts raise ethical and legal issues, involving fraudulent practices. I would like the following issues on my credit report rectified : XXXX XXXX XXXX : Opened : XX/XX/year> : # XXXX Please investigate this matter and make the necessary corrections to my credit report. I request that you inform me of the outcome of your investigation at your earliest convenience.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The TransUnionXXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : 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
Product: Checking or savings account

Cash App banned my account without telling me why. I want to appeal this ban
Product: Credit reporting

I never had an account with XXXX. I never lived at the reported address. I sent a letter asking to verify that this account was mine and nothing was sent from the credit repoting agency
Product: Credit card or prepaid card

Lower price for a item ( XXXX XXXX {$370.00} XX/XX/2018 ) bought from XXXX site ( Price {$470.00} XX/XX/2018 ) was found for a lower price in the store itself. The request for lower price protection was denied stating unable to verify price stating valid lower price can only be an online ad or store catalog. XXXX store does not have all items it carries in a catalog. I found the lower price on the store item display took a photo of the item and the store price tag for the item. The was submitted as evidence of lower price and denied by the company.
Product: Debt collection

Diversified Consultants have a collection account on my credit report that I was not informed of AT ALL. They never sent me a notice at all where I could request validity and verification of that debt in which I am disputing. I am documenting this case right now for legal action if necessary and CC'ing my attorney. This collection is for {$470.00}. I reside at XXXX XXXX XXXX XXXX and never even heard of this company. I will be filing identity theft report and an affidavit as well since this is not my debt at all. CC : Consumer Affairs, FTC, BBB, XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to evaluate this account. It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Kindly investigate the unverifiable account below : XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted documents to this company requesting removal of fraudulent account in accordance with FCRA sect. 605B. Company did not remove account but instead fraudulently and without my request, knowledge or consent, opened a dispute Which is in violation of FCRA rules in 605B
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

NAVY FEDERAL CR UN XXXX Balance {$10000.00}
Product: Checking or savings account

Wells Fargo kept charging me overdraft fees and continued to let the card be used. I told them the account was closed There was no money left yet they kept allowing it to be used and charged a ton of overdraft fees. I complained a lot but they didnt do anything
Product: Credit reporting or other personal consumer reports

Toledo finance corporation dba with XXXX XXXX XXXX XXXX is charging over {$700.00} cash USD interest on l9ans of {$300.00} in 2024. And they are reporting to XXXX gross higher USD loans on customer credit reports as new loans, including interest and not reporting previous loans paid off by customers in 2024. Also Store employees admittedly asking g US Military Veteran Customers for their XXXX XXXX/Job title and sharing that information to other persons for monetized gains unlawfully.
Product: Credit reporting, credit repair services, or other personal consumer reports

They are not providing proper verification as well as deleting the false information that does not belong to me. FALSE ACCOUNTS : account number:XXXX account name : XXXX XXXX XXXX Account name : XXXX Account number : XXXX
Product: Checking or savings account

My account was just opened in the past week on XX/XX/2021. I had made deposits and initiated a deposit from an external account ; I login to my account on XX/XX/2021 to ensure the deposit was made and the account balance is {$0.00} with a debit made of the current balance as well as no deposit. When I called the bank to inquire what is going on with my account two representatives hung up on me and said the department for which my account was notated to speak is not available. In addition, after requesting to speak with a manager regarding the status of where my funds are or why my account was debited he responded that its block and he doesnt know. I am more than irate at the lack of communication thereof regarding my account and where my funds were debited to.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information.

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of item that is UNKNOWN to mXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

2 transactions from Cash App were fraud. A person was impersonating as a social media influencer/to be somebody else who performs reading services which resulted in me losing {$130.00}. 

My bank XXXX somewhat tried to dispute the charges but Cashapp barely tried to investigate the matter which resulted in my bank having no choice but to close it out. 

I never received the services and my bank advised me to take care of this with Cashapp who refuse reinvestigate and closed out my Cashapp account without prior notice. 

Please keep in mind of the following : I have claims against Cashapp for violations of the Electronic Fund Transfer Act ( EFTA ), 15 U.S.C. 1693, et seq., Cashapp unlawfully required a host of information to be provided as a condition precedent of opening or investigating a dispute or resolving a dispute in a consumers favor. 

The EFTA requires that a bona fide investigation be conducted once a bare minimum of information is provided by the consumer. 

Cashapps error resolution process violates the EFTA by explicitly placing the burden of proving the unauthorized transfer on the consumer ( and denying disputes on grounds that the consumer has not met his or her burden of proving that the transaction was unauthorized ). The EFTA requires the opposite, providing that Cashapp is liable for allegedly unauthorized disputes where Defendants can not show that the transaction was in fact authorized. 

cash app error resolution process also violates the EFTA because it deny claims without providing any explanation or providing to the consumer the documents Cashapp reviewed during the investigation. Both an explanation of the denial and a notice of the right to request these materials are required under the statute. 

The EFTA places sharp limitations on consumer liability for unauthorized transactions. For example, If the consumer notifies the financial institution within two business days after learning of the loss or theft of the access device, the consumers liability shall not exceed the lesser of {$50.00} or the amount of unauthorized transfers that occur before notice to the financial institution.. 12 CFR Sec. 1005.6 ( Liability of consumer for unauthorized transfers ). See, 15 U.S. Code 1693g ( Consumer liability ).

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