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

To Whom It May Concern, My name is XXXX XXXX, and my wife and I proudly own and operate XXXX XXXX XXXX XXXX  a business built on hard work, dedication, and integrity. For two years, we have trusted Citizens Bank with our business banking needs, processing over {$100000.00} in transactions and maintaining a consistent and reliable account history. 

However, over the past three to four months, I have experienced what I believe to be unjust and excessive overdraft fees applied to our account. These fees often occur despite funds being available, including during periods when no transactions are taking place, such as weekends. After numerous visits to the bank and phone calls seeking clarity, I remain without a satisfactory explanation or resolution. 

This situation has caused significant frustration and financial strain, and I can no longer overlook what appears to be a pattern of questionable practices. I approach this matter with respect but also with an expectation that my concerns will be taken seriously. As a XXXX XXXX XXXX XXXX I am no stranger to working hard and advocating for fair treatment, and I demand the same level of respect and transparency that I extend to others.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent. 

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Product: Debt collection

I've recieved two letters from collection agency National Credit Adjusters ( 1st dated XX/XX/XXXX, XXXX XXXX dated XX/XX/XXXX ). Both letters were a general debt collection settlement offer. Letters did not include correct information as required from FCRA. I responded to both of the letters ( sent via USPS certified mail ) with a debt verification request. I never heard a response back but company has continued attempting to collect reported debt in violation of FCRA. I've attached letters and proof of delivery.
Product: Mortgage

Newrez made up it's own valuation of the property of less than half purchase price so as to keep charging me PMI.
Product: Debt collection

Hello, I have been sent to a debt collector by XXXX XXXX XXXX XXXX XXXX regarding a consumer loan for equipment purchased from XXXX XXXX XXXX systems. I XXXX XXXX XXXX, and I closed my account with both companies in XX/XX/2022. I received written notification from XXXX stating they closed my account and sent the information to XXXX to close my debt and that the equipment was returned. I have contact XXXX  multiple times average once a month since XX/XX/2022, I was told it could take up to 30 days for the information to reach them and the account to be closed. Every attempt to resolve this issue with XXXX has resulted with them hanging up on me or never answering the phone. On XX/XX/XXXX I was on the phone with XXXX and XXXX customer service ( Conference call ) for 48 min. The XXXX XXXX told the XXXX rep that my account was closed and that I shouldn't owe any money, I then informed the XXXX XXXX that they actually owed me money due to them continuously pulling money out of my account for almost a year until I finally put a stop payment on them thru my bank. About a min after I informed them of this the call was dropped. I have now been sent a letter from Associated Credit Services , INC that I owe {$1600.00}. 
Please assist me in this and let me know what else you need from me. 

Thank you very much XXXX XXXXXXXX XXXX XXXX
Product: Debt collection

This is in regard to the most recent complaint with the requested fair resolution updated The company is passed validation period of 30 days to validate the debt. Consumer reserves the right to dispute any portion of the debt by law of the Fair Debt Collections Practice Act and Fair Credit Reporting Act. The company is reporting this debt as a charge off and reporting late payments to credit bureaus after they have allegedly sold the debt to a debt collection agency and still trying to collect where no way have I agreed are acknowledged the debt is mine.The company also has a collection service XXXX XXXX XXXX, XXXX which complaint has been filed through the Consumer Financial Protection Bureau ( CFPB ) on are around XX/XX/2020 which letter of validation to the company sent is attached on this complaint has also taken unlawful action by suing me after I have disputed this debt several times and demand an original signed ( wet ink ) contract with the original terms and interests proof of validation. I do not remember this debt are agreeing to an open account yet alone having the account with the original creditor and do not remember are acknowledging going into any contractual account with either the original creditor are the debt collector. By law it is the burden of the Collector to show I legally owe the debt and I demand proof by way of contract and this complaint is my dispute and Validation notice to the debt collector to provide that proof within 30 days of receiving this dispute and if it can not provide the original contact it must be removed from my credit reports and all attempts to collect the debt must stop. I also have letters attached from my attempts to have this debt verified and my verification letter dated XX/XX/2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account isn't mines and I did not authorize these inquires. I wish for them to be removed and blocked from my credit report immediately because they are hurting my character. I have worked hard to build my credit and I would like for the consumer reporting agencies to do their job and not furnish deceptive information to my credit reports. I am working on building a non-profit community for battered women and this is holding me back. Please help me, as a consumer, I'm begging someone to hold these companies accountable for violating my consumer rights with inaccurate information, abusing my privacy, allowing my character to be hurt without my consent.
Product: Payday loan, title loan, or personal loan

With my recent credit report, there is late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following account needs to rectify, it indicates the company name, balance and date last reported : XXXX XXXX XXXX XXXX XX/XX/2020
Product: Debt collection

Caller acted as if they were not from collection agency in order to get me to continue talking and verify my identity. Did not indicate if call was being recorded or that it was an attempt to collect a debt. Indicated my payment was 4 months past due and I should get a lawyer or make payment today to avoid them suing me today.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is being sent in response to notices sent to me from " XXXX XXXX XXXX '' and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed, and validation is requested.
Product: Credit card or prepaid card

I closed an American Express account XXXX ago. In XXXX I received a credit on the closed account of {$1900.00}. American Express mailed me a check since the account was closed. Then in XXXX American Express sent a statement saying I owed {$1900.00}. Then used my past bank information and auto debited my checking account for the {$1900.00}. My issue isnt that they asked for the money back they mistakenly sent me, its that they used my financial information without asking. I closed my account though they still allowed someone else to make a payment to it and kept my checking account information. What does closing an account mean? I thought my account is fully closed and my financial information like a checking account would be removed. Please help. Thanks
Product: Debt collection

I noticed that Midwest Recovery System has reported a collection debt on my credit report as of XX/XX/2020. I have no knowledge of this debt and have never used XXXX XXXX, which is list as the original company.
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX transfered our mortgage to CARRINGTON MORTGAGE SERVICES LLC at XXXX XXXX, XXXX CA XXXXXXXXand since then XX/XX/XXXX/XX/XX/XXXX, our numbers do not coincide with what the new CARRINGTON XXXX claims. which is leading to larger monthly payment. We do not receive monthly notices nor any other updates and seem to have to pay approx {$300.00} more monthly on a house we have been paying on since XX/XX/XXXX. 
Do we need to contact any State or Federal Fraud investigators. Loan was always current. XXXX sold us out.
Product: Money transfer, virtual currency, or money service

I invested {$5.00} XXXX in XXXX. I lost some money but I still had some cash ( {$500.00} ) and two XXXX coins in my XXXX as of XXXX XXXX. I checked my account in late XXXX and I saw that there was XXXX money and assets in my account. I complained and the Coin Base made me go through many questions to identify me after a few days, they recovered my account. I wanted to withdraw everything so I first sold my coins. The website would not allow me to withdraw immediately. I had to wait so I waited two days then went in to ask for a withdrawal and there was no money in the account again. I complained again, but this time they would not help me and said I should report it to the law agencies.! They, Coin base has to be on this scam. I WAS NOT HACKED, they stole my money.!! I need to get a report number so I can claim this loss in my taxes.
Product: Payday loan, title loan, personal loan, or advance loan

I reached out to OneMain on Monday and talked to a representative about stopping my autopay due to a hardship I am experiencing and my bank account was overdrawing. I explained to the representative on the phone I was going to walk in payment later on. I received an email that I was no longer enrolled in auto pay. This morning, XX/XX/year>, they tried to pull the funds again, after I already explained there were no funds in that account, hence why I needed the auto pay removed. This is creating further financial hardship for me.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please CORRECT the items, or inaccurate information, from my file immediately & send me the results to the address. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

creditor : XXXX XXXX XXXX XXXX Balance:XXXX account : XXXX creditor : XXXX XXXX XXXX XXXX XXXX   Balance:XXXX ACCOUNT : XXXX creditor : XXXX XXXX XXXX Balance:XXXX account:XXXX creditor : XXXX XXXX Balance:XXXX account:XXXX creditor : XXXX XXXX XXXX XXXX Balance:XXXX account:XXXX creditor : XXXX XXXX XXXX XXXX XXXX Balance:XXXX   account:XXXX THESE ARE MY SONS ACCOUNTS AND THEY PUT THEM ON MY CREDIT! PLEASE REMOVE THESE ITEMS!
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Equifax for failing to conduct a proper investigation into my credit dispute. Despite my legitimate concerns regarding inaccurate information on my credit report, Equifax has dismissed my dispute as " frivolous '' without ever conducting a real investigation. This is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ). Equifax 's failure to investigate my dispute from the beginning is a violation of my rights. I am now formally demanding that the accounts listed in the letters sent to Equifax be deleted or conduct a proper investigation into this matter and provide me with a detailed response, including any supporting documentation you used to verify the disputed information. Since Equifax has continued to disregard my dispute without conducting a legitimate investigation, I am forced to escalate this matter by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and considering legal action. I strongly disagree with this determination, as my dispute is legitimate and was never properly investigated in the first place. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an actual and thorough investigation into any inaccurate or incomplete information on my credit report.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Student loan

They stated that if I was asking about my schools misconduct application it would take 60 days. Today I got a response and they stated that my school did not have any misconduct issues related to what they feel. I have had all my loans regarding XXXX XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX because the school did not follow through to get the proper accreditation it needed to credits to be transferred to other colleges. They also were out for profit only and mislead several students. Not sure why even submitting all the federal documents they still feel it is valid! 

I have XXXX Private loans with XXXX  that were for XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). I also had several federal loans from this school that was submitted for a forgiveness since the school was all out for profit and never got accredited. All of the federal loans associated with XXXX XXXX XXXX have been cleared under this forgiveness. I have reached out to XXXX on this situation, and they advise that because these are private loans they are not able to follow the same standards as the federal side. My degree is basically useless, and I am not able to use any of my credits from XXXX XXXX XXXX at any other school because of them never being accredited. I have paid off several XXXX dollars on these XXXX  loans already, and I just feel like I should be intitled to this same curtesy on my private loans as I was on the Federal as they were for the same school and situation. XXXX XXXX- I have paid {$11000.00} in payments on a loan that was disbursed for {$6800.00}. Loan XXXX - I have paid {$6400.00} in payment on a loan that was disbursed for {$3300.00} Loan XXXX - I have paid {$8700.00} in payment on a loan that was disbursed for {$4600.00} Loan XXXX - I have paid {$12000.00} in payment on a loan that was disbursed for {$8100.00} All this money went to the school not to me, and yet I am stuck continuing to pay on it. Currently I still owe XXXX {$37000.00}, I feel like I am not ever making a dent even after how much has already been paid back.
Product: Debt collection

after several conversations and their inability to assist me get back on track, they continue to call about credit card debt owed ; calling on sundays and holidays, multiple times per day ; after I have asked them not to call since I can not pay and they can not help. they have violated the FDCPA and I have filed complaints with CFPB and FTC
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with SYNCB/CARE CREDIT. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and SYNCB/CARE CREDIT with no successful resolution. XXXX, XXXX  only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX Capital One closed my credit card account that goes back to at least 2011. I have another credit card with them that I use on a current, regular basis for which I receive emails and text notifications. 

On XX/XX/XXXX, I called Capital one as I just learned that one of my credit card accounts was closed without my knowledge and I was not notified of this. When I called and spoke to Capital One they claimed they weren't able to find anywhere in my account that they had send any kind of notification to inform me of the plan to close my account and when I asked if it could be reversed and the account re-opened they said " no '' and that Capital One had made a business decision to close inactive accounts and would not be reopening them. 

Additionally, they admitted they had the correct, current information ( address, email, phone number ) for my other card and I confirmed I received notifications regarding it but that they did not have correct, current information for my other account that is now closed. It seems to me that when I created the new account or any other time I have contacted Capital One that they might have noticed that the address or email on one account doesn't match the other and I would have gladly given them my correct, updated info. Also, when I look at my online profile which has both accounts information available and I look at my address, phone # and email they all show the correct, updated info so I would never know that they had different information on their end for one account and not the other. However, they claim when you call about one account they can't see the information associated with the other account. I don't think it's fair for my credit to be negatively impacted by their poor business decisions or because they failed to contact me or to maintain the correct contact info for me before they closed one of my oldest credit accts. 

What's also strange is they did send me an email the day the account was closed saying that a change was made to my credit ( as part of their XXXX XXXX XXXX   ) but that it didn't affect my credit.
Product: Mortgage

Our previous mortgage company, XXXX XXXX, paid our property taxes on XX/XX/XXXX in the amount of {$1000.00} to XXXX XXXX City Tax Collector . My husband also paid the {$1000.00} taxes to XXXX XXXX Tax Collector prior to the delivery of the escrow payment to the city Tax Collector. Our taxes are paid for XXXX XXXX XXXX, XXXX, NC XXXX. 

The city issued a refund of the mortgage escrow tax payment to XXXX on XX/XX/XXXX ( XXXX XXXX to XXXX  # XXXX {$1000.00} XXXX XXXX XXXX XXXX, TX XX/XX/XXXX TT ). Our mortgage was purchased by Freedom Mortgage sometime in XXXX. 
I tried to get in touch with XXXX XXXX  in XXXX and XXXX about the funds but since our mortgage company has changed to Freedom Mortgage. I was not able to get answers from XXXX to XXXX but understood and was patient with the process since the mortgage was just newly acquired. 

I then saw in our Freedom Mortgage payment history the exact amount of {$1000.00} as " funds received '' into escrow. I have called once a month since XXXX trying to get our account review and the overpayment of tax money refunded. I typically speak to at least three different Freedom Mortgage employees and get transferred between departments and get promised a solution if I call back next time wasting about two hours each call. 

I did feel like I was getting answers on XX/XX/XXXX when I was told our escrow account would be reviewed, we would get a refund back to our bank and a follow up phone call. Nothing has happened and it is XX/XX/XXXX. I just called this morning and have spoken with three different individuals and have politely expressed my frustration over the matter and continued to get transferred between the tax and escrow departments and was even asked by someone at the tax department " why I was talking to them when it wasn't her department that dealt with this '' as if I have any ideas to the inner workings of their company.

I am at my ends and have wasted a lot of my patience, a lot of time and am very frustrated with how dysfunctional and manipulative Freedom Mortgage has treated me ad my situation. I have been lied to and have been blown off for months. I hope to have my issue resolved but I more hope my problems and the inept attitudes of Freedom Mortgage gets brought to light.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions