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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Access Number : XXXX Credit Card Account # : XXXX Date : XX/XX/XXXX T o : Suncoast Credit Union XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXXXXXX Subject : Account Access and Statement Issuance Dear Suncoast Credit Union Compliance Department , I am writing to address your recent actions regarding my accounts held with Suncoast Credit Union , including my credit card account, checking, and savings accounts ( Access Number : XXXX ). I have been wrongfully denied access to my funds and online account management, and I have not received any notification regarding an account closure or any legitimate reason for this denial. Additionally, Suncoast has ceased to send me Statements since XX/XX/XXXX Legal Grounds for My Claims Pursuant to the following federal laws and regulations, Suncoast is in violation of my consumer rights : 1. Fair Credit Billing Act ( FCBA ) - 15 U.S.C. 1666 Under the FCBA, I am entitled to receive monthly billing statements and be informed of all charges and account activity. By ceasing to send these statements, you have violated this statute.

2. Electronic Fund Transfer Act ( EFTA ) - 15 U.S.C. 1693 EFTA requires that I am provided regular access to my account information. Blocking me from managing my accounts online or obtaining statements without justification contravenes this law.

3. Regulation E - 12 CFR 1005 This regulation mandates transparency and access to electronic transfers and related account activities. Locking me out of my account and failing to provide statements is a clear violation of Regulation E.

4. Truth in Savings Act ( TISA ) - 12 U.S.C. 4301 et seq.

Under TISA, Suncoast must provide full disclosure and access to account statements regarding my checking and savings accounts. Your failure to send me my statements and notify me of any closure is a breach of this act.

5. Unfair or Deceptive Acts or Practices ( UDAP ) - 15 U.S.C. 41-58 By preventing access to my account and withholding critical account information without proper cause or notice, Suncoast is engaging in deceptive practices under UDAP.

6. Case Law : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case established the requirement for banks to properly investigate and verify information related to consumer accounts before taking adverse actions. Failing to grant me access to my statements violates this principle. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) : In this case, a financial institution was held accountable for failing to provide correct billing statements and denying access to accounts, which is comparable to Suncoasts actions.

Given the legal precedents and statutes mentioned, as I come in good faith I Request the following within 10 business days : 1. restoration of online access to my accounts So I can Access all my Accounts that as I'm authorized to 2. Full account statements for my credit card account ( # XXXX ), checking, and savings accounts from XX/XX/XXXX to present, sent to my email or physical address at XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, This company National Credit Adjusters continues to report to all 3 credit bureaus that I owe them a debt in the amount of {$290.00} this information is not correct.. I have sent several certified letters to this company asking that they remove this collection from all 3 of my credit reports immediately. They continue to refuse to do so. They sent me a letter stating that they verified these debts as being accurate and that I know is not correct. I have asked National Credit Adjusters to send me validation of these debts bearing my signature and they have not provided that. instead they sent my a computer generated report of some charges that were allegedly made by me, this is not correct and I want these collections removed immediately. Please note As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I have formally requested a copy of any documents, bearing my sig- nature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I have made several goodwill attempt to have you clear up this matter. The listed items is inaccurate and incomplete and represents a very serious error in your reporting. The reported errors are with National Credit Adjusters in the amount of {$290.00} and opened on XX/XX/19. I am the victim of Identity Theft, that reference and report ID number is XXXX and my police report case number is filed with XXXX XXXX that case # is XXXX I am asking again to have all 3 of these charged deleted from my credit reports immediately.
Product: Credit reporting or other personal consumer reports

" I reviewed my consumer report and informed your agency on [ insert the date thats on the last letter ] about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a XXXX Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a XXXX XXXXXXXX to further substantiate my claim. 

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX and Experian due to their inaccurate and misleading data reporting on my credit reports and failing to remove this information despite me showing proof that this data is misleading and inaccurate when XXXX XXXX XXXX XXXX ( XXXX ) failed to provide proof that this alleged debt is even mine or that XXXX legally owns this debt. XXXX and Experian did not conduct a true investigation and simply said this item is verified with no proof that is is verified. 

On XX/XX/year>, I received an email from XXXX stating that a collection would soon be reported to the credit bureaus due to failure to make arrangements with the debt. I was never notified of this alleged debt and was simply told this would soon report on my credit reports. XXXX did not notify me of this alleged debt prior to this notification. 
On XX/XX/year>, I sent a letter to XXXX in XXXX, GA requesting validation of this alleged debt in the form of the Original Purchase Agreement which and shows that XXXX legally owns this alleged debt. 
XXXX failed to respond or provide proof of my request to validate this alleged debt and after this 30 days, I then contacted Experian, XXXX and XXXX by mail on or around XX/XX/year> to initiate a dispute due to the debt collector failing to provide proof that this alleged debt is even mine. I mailed the letter I sent to XXXX to all three bureaus to provide proof that I followed the process of validating the debt. 

Due to XXXX failing to provide proof that this alleged debt is mine, the data on my credit reports is now misleading and inaccurate. XXXX deleted the collection from my reports. However, XXXX and Experian did not delete this information off my credit reports despite me showing proof that it is clearly misleading and inaccurate. They simply said it was verified and accurate. 
How is it verified when the debt collector failed to provide me legal proof of this alleged debt and that its even mine? 

I have contacted XXXX and Experian multiple times to get this information removed and they refuse to comply, failing to show me any evidence of a true investigation.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of late payments reported on my XXXX XXXX account : Account Number : XXXX XXXX which are negatively affecting my creditworthiness. Under 15 U.S.C. 1681i ( Fair Credit Reporting Act - FCRA ), I have the right to dispute inaccurate or unverifiable information on my credit report. 

Disputed Late Payments Account Number : XXXX XXXX Date of Late Payment : XXXX XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX Legal Basis for Removal 15 U.S.C. 1681i ( FCRA ) : You are required to investigate all disputed items within 30 days. If XXXX XXXX can not verify these late payments with complete and accurate documentation, they must be deleted from my credit report immediately. 
15 U.S.C. 1681s-2 ( a ) ( FCRA ) : Creditors must report only accurate and verifiable information. If XXXX XXXX can not prove the legitimacy of these late payments, they must be removed under the law. 

Request for Immediate Action I request that you : 1. Conduct an immediate investigation into these late payments. 
XXXX. Request XXXX  XXXX to verify the accuracy of these late payments. 
3. Remove any unverifiable late payments from my credit report.

4. Provide a written response within 30 days as required by law.

Failure to Comply If these late payments are not removed, I will : File formal complaints with the CFPB and my State Attorney General for violations of the FCRA. 
Consider legal action for any damages caused by this inaccurate reporting. 

Please confirm in writing once these corrections have been made. If you require additional information, feel free to contact me. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights per 15USC-1681-602-604A SEC 2 : I have a right to privacy thus a consumer report agency can not furnish an account without my written instructions.

In accordance with 15USC 0 1666B : A creditor may not treat a payment/Credit Card account under and open ended consumer plan as late for any purpose. 

XXXX. XXXX {$3400.00} DATE : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX {$1600.00} XX/XX/XXXX XXXX. XXXX XXXX {$430.00}. XX/XX/XXXX XXXX. XXXX {$3300.00}. XX/XX/XXXX, XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX {$8400.00}. Charged off {$6700.00} XXXX XX/XX/XXXX XXXX. XXXX. {$98000.00} Charged off XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX, and XXXX are reporting incorrect information on my credit report. I have tried to remedy this numerous times to the point of no avail. I do not believe that the credit reporting agencies are taking consumer complaints seriously. The account that I am demanding to be removed from my credit report is XXXX XXXX XXXX. I do not owe this company anything and I do not have an account with them. The original creditor that I have an agreement with is XXXX XXXX XXXX and I will attach the documents. Also, the amount that XXXX XXXX is reporting is not correct. The correct amount that the original creditor gave me is {$8400.00} so why are the credit bureaus allowing incorrect information to report on my credit report? Also, this account has been re-aged and should not be reporting according to FCRA. The account I had with XXXX XXXX  was in XXXX. Please remove this account from my credit report due to inaccurate reporting and non-compliance with FCRA. Please see the attached dispute letters I have sent over 4 months ago.
Product: Vehicle loan or lease

hi my XXXX dealership got me a loan through truist bank. i have been trying to reach them all day. i have been on the phone waiting 1 hour 15 mins no answer called a bank branch and went to voice mail. i am refi my house and the lender needs the account number verify the load. and they can't proceed until they have my new account number. 
i have never had this problem with any bank before. i have already heard bad reports about this bank form other people. so far i have a very bad feeling about this bank have they never answer their calls. even call the dealership and gave me the same numbe I just got disconnected from the bank of 1 hr 35 mins what
Product: Debt collection

He

llo, Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. I am really smart and demand all these documents or you will face an immediate lawsuit. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you
calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist.

Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
Product: Credit card

I was fraudulently charged XXXX out of my debit account that I never said they could charge. Instead of fixing it she told me my car priveleges were revoked and she would not reverse the charge. Would not let me talk to management and lied about everything. This is a disgrace.
Product: Checking or savings account

See XXXX. Subsequent investigation indicates that TCF bounced a check despite having retained {$1200.00} from dishonored deposit and then charged {$37.00} for the honor. The attached ledger shows the credit for XXXX on XXXX, then check # XXXX coming in on XXXX, that should have been paid, then companion check # XXXX for XXXX to XXXX out the account XXXX that WAS paid, then an overdraft fee of {$37.00}, with the {$1200.00} disappearing from the ledger despite not being paid, and TCF seeming to assert to CFPB that the {$1200.00} was stuck at TCF until the XXXX asked for it back, which I intend to help engender but not in the manner TCF might anticipate. 

I have screen shots that prove TCF had accepted the $ from XXXX, pretended they did not, while shifting the XXXX around and creating doctored ledgers and bulloney verification requirements such as that attached, apparently to prevent me from withdrawing the funds so as to afford themselves a prohibited float and unconsented loan. I have complained to Chemical in XXXX and think this is the doing of TCF leadership, and occurred on a widespread, profitable basis at consumer expense with monies that were EMERGENCY funds that were to be distributed, not distrained, prior to being fully absorbed by Chemical. 

I demand a referral to the FBI.
Product: Credit reporting, credit repair services, or other personal consumer reports

My first initial contact was inXX/XX/XXXX, I have been disputing inaccurate information on my credit file for months now. I am also a victim of identity theft and have taken all of the necessary steps to insure that this will not happen again to me. I disputed the two chapter XXXX  bankruptcies on my credit file that states dismissed which has never happen. Experian has notified me that they have verified these accounts and they will remain on my credit report. XX/XX/XXXXI then sent Experian a letter of verification, asking how did they verify, whom did they speak with, on what date and ETC ... Experian failed to provide me with the proper response and documentation that I was asking for. Instead they stated that it will remain and once again it has been verified. I went to the US bankruptcy court and got documentation showing that these bankruptcy was dismissed and documents showing that they have not verified this account with no one. Yet, Experian refuses to take these account off of my credit file. XXXX and XXXX has removed this incorrect information why is it such a hassle with Experian. This has caused a major confusion In my life, Its holding me back from a higher position held within my job institution.
Product: Payday loan, title loan, or personal loan

On XX/XX/2020 I received an email from XXXX XXXX at XXXX XXXX about an unpaid balance with them> I have had problems with getting these emails before. See complains numbers XXXX and XXXX. I would like for someone to tell these people to please stop. According to the companies response I am suppose to be on the do not contact list. They are still contacting me threatening legal action, when none has been taken. There are no cases filed because I can check to see if that has happened and it has not. Please someone put a stop to this. I have a very serious medical condition that if I get to upset and agitated and my XXXX XXXX rises to a certain point and the XXXX XXXX  I will XXXX XXXX in two minutes. There is no loan number associated with this. Here is the supposed case number ; it is XXXX.
Product: Debt collection

My Complaint is against Pressler and Pressler they have constantly sent me old court documents from when I went to court with them in 2013 and agreed to pay the debit off by a payment plan for which they never contacted me again until now and sent me a false subpoena asking for me to meet with them at a lawyers office to go over my assets it states if I do not appear it is an contempt of court and a warrant will be issued for my arrest. When I contacted the court to ask if this subpoena was issued by them they stated they have no record and subpoena do not come by regular mail you are physically handed it by a sheriff. Also when I first received the subpoena back in 2013 to appear in court I spoke to Pressler and Pressler and they made me to believe that the original creditor was suing me not a person that purchases debit that was charged off. I do not feel I owe XXXX anything as I never agreed to any obligation with them financially only tricked to agree to a payment plan that they never followed up on.
Product: Mortgage

A few months ago I submitted a previous complaint ( Complaint Number XXXX ) since I was applying for a loan modification, but at the same time Ocwen mortgage loan servicing was dual tracking. I was approved for a trial loan modification and I made my first trial modification payment in XX/XX/2018. However, the attorney 's for XXXX XXXX   were continuing their motion to restore a foreclosure case against me ( XXXX Supreme Court Index XXXX ) in XX/XX/2018 in which was the same time I began my loan modification. Therefore, XXXX, XXXX and XXXX the attorney 's for the Plaintiff through E Filing finally requested that their motion be withdrawn. During the first loan modification payment Ocwen assured me that the XXXX payment would drop from approximately {$4300.00}. to approximately {$3300.00}. However, when I was going to make the second loan payment in XXXX Ocwen stated that my loan payment for XXXX would be approximately {$3700.00}. When I called to speak to my assigned relationship manager Ms. XXXX XXXX at Ocwen to complain about the higer loan amounts I was told she is no longer my relationship manager. However, as a result Ocwen gave me the next available relationship manager and I was told they would look into this situation. Ocwen never got back to me, therefore, I called repeatedly in XXXX and never got an answer. Since Ocwen was acting in bad faith I discontinued my trial loan modification. Initially, Ocwen reassured me that they would help me make my loan payments more affordable after the trial loan modification, but their inconsistencies made me weary and appalled. I now want Ocwen to either rescind or significantly reduce the principal loan amount, and at the least give me a reasonable loan modification since I am victim of Ocwen 's duplicity.
Product: Money transfer, virtual currency, or money service

I made several transfers between XXXX XXXX and XXXX XX/XX/2023. The money was withdrawn from my bank account at XXXX and placed on hold at Wise. It was to be held for about 3 days. Just hours before it was set to be released then my account at wise was deactivated. It never posted but my money was still gone from my account at XXXX It was 3 transactions. One for XXXX and two for XXXX. I contacted wise who assured me my money would be held safely and returned to me after the investigation. Almost 40 days later wise concluded their investigation and immediately refunded an amount of XXXX usd. I filed complaint with them and they stated they couldn't give me any detailed information. I filed complaint for a charge back with my bank. My bank refunded me the {$1000.00} and one of the {$500.00} transactions. Wise then sent me a notice saying I was owing them money. 
Wise completed the complaint I filed after I did not receive my money. In their letter they refer to transactions made on XXXX XXXX and XXXX XXXX and XXXX XXXX. These are not the correct transactions. My transactions took place on XXXX XXXX and XXXX XXXX. Two transactions : {$1000.00} and {$500.00} on XXXX XXXX and one transaction of {$500.00} on XXXX XXXX. They didn't address the correct issue. I didn't have an issue with the transactions on XXXX and XXXX XXXX. I have proof the money came out of my account at regions bank on XXXX and XXXX XXXX and it was never returned. It had yet to post to my wise account so I never spent the money. I asked Wise.com for a statement of my transactions and they replied they can not offer a statement. Again, the transactions they bought up in the complaint result were from XXXX and XXXX XXXX and I used those funds. Which is why I was making another transfer on XXXX and XXXX XXXX. The transfers for XXXX and XXXX XXXX were never received by me in my Wise account. The money was withdrawn from my XXXX account and now appears to have disappeared because before it could post wise deactivated my account. Wise has also now made claim that I owe them for the {$1000.00} charge back from my XXXX  account. If they were to investigate the correct transaction dates then the would see they owe me and I do not owe them. I have not received a straight honest reply from the customer service department. I have not received any bank statements from my account so I can verify my spending and transfers via the wise.com account. I have my proof from my XXXX  account only and I feel that Wise.com is being dishonest about my money transfers which is why they won't give me any detailed information from my account in XX/XX/2023. I require help in recovering my money and clearing my account with Wise.com. I am not the only person that has experienced this with Wise.com. I took to XXXX to find numerous complaints regarding similar issues from other customers. This seems to be a recurring problem with Wise.com. they should be investigated for fraudulent services.