23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt or credit management

I entered into a debt settlement program with Clarity Debt Resolution on XX/XX/XXXX. I had withdrawals of XXXX on the XXXX of each month directly from my checking account. I was told that I needed to follow their instructions and they would negotiate settlements with all enrolled accounts and after XXXX 6 months I would be eligible for a loan to complete settlements on accounts. After 11 months of payments and numerous inquiries about what they were doing I became frustrated with the lack of results. Of 13 enrolled debts, only 1 had been settled, the settlement they claim they made was the same settlement offered to me directly with no fees, and the total balance of the enrolled debt is now higher than when I enrolled 11 months ago due to interests and late fees. In addition I have paid more in fees than the " settled '' reduction amount of the XXXX XXXX. I told them by phone on XX/XX/XXXX that i was withdrawing from their program and they were not authorized to make anymore withdrawals. This was confirmed by them by text and email. They asked if they could continue to try to resolve it and I said yes, but they were not authorized to make any withdrawals until they had specific details about how they would move forward. They sent me an application for a loan and then I heard nothing else from them. On XX/XX/XXXX they made an unauthorized withdrawal from my checking account in the amount of {$550.00} causing an overdraft and resulting in other overdrafts and charges on my checking account. When I called to ask what was going on XXXX XXXX confirmed that the withdrawal should not have happened and that I had told them not to withdraw any more payments. I then spoke with 3 other individuals, the last being XXXX XXXX who said yes, they should not have withdrawn the money, but that it would take 3-5 days for them to return it. I believe the withdrawal was done on purpose to collect more fees after i had cancelled the program to non performance. I expect a return of the unauthorized {$550.00}, plus {$120.00} in over draft fees, as well as a refund of {$3600.00} - all fees i have been charged with the only result being a higher debt balance than when i entered the program. I want charges against the company made for illegal unauthorized wire/bank transfer as well as fraud for the service they claim to provide.
Product: Checking or savings account

I have a CD that became mature as of XXXX - XXXX. The bank involved did not send me information about maturity and I recently stumbled onto the receipts. When I brought them forward to the bank involved, the indicated that they had no record and were unable to help me despite my receipts and account numbers. 

The bank involved included : XXXX XXXX, maturity date : XX/XX/XXXX - {$1000.00} I have official copies of everything. Thank you for your help. 
XXXX XXXX  XXXX XXXX XXXX, XXXX ( XXXX ) XXXX
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  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
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing issue regarding the erroneous late payment entries on my consumer report for the months of XXXX and XX/XX/2024 with XXXX XXXX account ( XXXX ). Despite previous communication and demands for immediate action with XXXX, I am disappointed to see that the issue remains unresolved. 

As per the Fair Credit Reporting Act ( FCRA ), specifically outlined in 15 U.S. Code 1681a, I have the right to expect fair and accurate reporting of my credit information. 
Additionally, 15 U.S. Code 1681s-2 imposes responsibilities on furnishers of information to consumer reporting agencies, emphasizing the duty to provide accurate information. 

Additionally, I have observed discrepancies in the " last reported '' and " date of last payment '' sections across different credit bureaus. Such discrepancies violate my FCRA rights and further highlight the inaccuracies in the reporting of my account information.
Product: Credit reporting or other personal consumer reports

When I checked my credit report, I found that some of the information was inaccurate. The 3credit bureaus are obligated to confirm these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting items as unconfirmed information without providing evidence within the legally required amount of time. The following incorrect data in my credit report needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$XXXX} DXXXX  XXXX Balance : {$XXXX} XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

The followiing accounts are not mine and were unauthorized : 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: Debt collection

This company has used intimidation tactics and threatened legal action and full payment or they will be forced to take legal action. I have been under severe emotional distress and suffering health issues for a while. This harassment and intimidation has brought me increased XXXX. I received a letter XX/XX/year> from Midland Credit Management via mail in a XXXX XXXX envelope. This is after months of no contact over my torrid account and also I had tried to make a payment to XXXX long after the fact but did not know my debt had been sold. I have been grieving and really took some hits financially and mentally and am trying to get better, but these tactics have got my anxiety up.
Product: Other financial service

XXXX issued a check payable to our customer, XXXX AND firstsun financial inc. XXXX negotiated the check locally and received all the funds. we never endorsed the check or received any funds. XXXX even told us personally that he cashed it. i filed notarized check fraud affidavit for nonendorsement thru XXXX who says they submitted to XXXX in XXXX XXXX they said then that the bank said it would take 90 days. that passes 2 months ago. i have made repeated calls to the insurance company. i called the bank, they refused ant info, status or comment about my affidavit ... ..was it received? ... did they debit it back thru XXXX??? ... did they already refund XXXX?? as a XXXX, i know that such matters require tracing back the guily party ... .the bank or the insurance. i need to start with you to see what the bank has done. in my XXXX years of XXXX, i know that no problem next to major litigation takes this long! quite simply..they take my affidavit and the endorsement complaint, send as returned item thru XXXX who returns it to the negotiating bank, who might even send it to the local branch that took the item. either way it is THEIR responsibility to get funds from the customer. in the meantime, all parties should have been refunded along the way. 
I ask your help to investigate this matter with XXXX XXXX. we need to know what they have or havent done. 1 am attaching a copy of the check that was provided. I think 6 months is enough!
Product: Payday loan, title loan, or personal loan

Someone got a XXXX XXXX dollar loan in my name when I was told it would only be XXXX XXXX. Name was XXXX XXXX. I am XXXX XXXX. Sister. Amounts are supposed to be XXXX $ but is XXXX .
Product: Debt collection

XXXX XXXX of Empire Mediation - They contacted my family via text and voicemail right after leaving a voicemail on my phone
Product: Checking or savings account

On XX/XX/23 at XXXX I received an email from Capital One stating " Congrats on opening your new 360 Performance Savings account with Capital One. '' I did not open any accounts and do not have any accounts with Capital One whatsoever. I called Capital One fraud protection service and the account was flagged for unusual activity, I received another automated email from Capital One stating that a copy of my ID will be needed to continue using the account, or it will be closed in 14 days. I obviously will not be sending them my ID, however I do not know if a copy of my ID is in possession by the fraudster.
Product: Debt collection

As of XXXX the debt collection was contacted in order to collect the debt. The debt was paid the next day as in full and the account was closed. The account here is of XXXX  XXXX saving and the debt amount was a few XXXX XXXX I did miss the deadline by just 1 day, Remove the derogatory remarks as it negatively impacts my XXXX XXXX as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Investigation into accounts that are being improperly recorded has taking more than 30 days no response or investigation results.
Product: Debt collection

This is so annoying & frustrating. Ive sent EQUIFAX multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Equifaxs 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 or 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 items that are UNKNOWN to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

I had declined all overdraft protection on my account per debit card and other transactions. I was told that I could not do that on recurring transactions though but they did credit those fees and told me it would no longer go through if there was no money in my account. Month later I get back from out of town to find multiple overdraft fee notices in my mail. So I finally check into my acct which I was unaware had a problem to find that I had a balance of $ -XXXX and that over {$1700.00} of that negative balance was just in fees alone. I spent multiple hours on phone trying to resolve the issue about charges that were n't to go through and asked them to credit their ridiculous fees and if so my acct would be in good standing as it should be to which they refused. Since then I stopped using that account and quit direct deposit cause it was never ending cycle of fees they are still s being to this day.
Product: Debt collection

on XX/XX/2017 accelerated financial open a dept on me I have no idea who they are and I have never signed or agreed to do business with accelerated financial
Product: Credit card or prepaid card

My credit shows a closed Chase Card account with a balance of {$870.00}. It shows that this account was opened XX/XX/XXXX. I wrote the company to have this account VALIDATED on  XX/XX/XXXX. While I did receive an " internet application '' showing my information, this does not validate the debt. I also wrote the company stating that the account was a result of fraud and that a police report had been filed regarding the account. A copy of the report was sent to the company as well. The account remains on my credit report.
Product: Checking or savings account

I made a deposit a while ago and somehow the check bounced and US Bank placed a hold on my account with out telling me anything. 
In the mean time i transferred in funds which they eagerly accepted. I treid to transfer funds from one account to the other and they did not let me do it so I called in and they said my account is restricted already for 10 days with out notifying me and they emailed a department that will reach out to me when they seem fit and the hung up!!!!!!!!!! 
See other users issues as well here https : XXXX
Product: Credit reporting or other personal consumer reports

I called Equifax to make disputes on my collections. The representative from Equifax asked me which XXXX XXXX servicer I had applied for the loan through. To which I explained that I have never had a student loan or gone to college. He then said, " I can't help you because you're not being honest with me. '' Then he proceeded to hang up on me. 

To put the conversation in context. The Equifax representative asked me about student loans I had, and some creditors that I have never done business with. When I explained that I did not know any of this information, he simply said he could not verify me. I asked for a supervisor, and he refused to connect me with his supervisor said, " Good bye mam '', and hung up.
Product: Student loan

This is regarding FEDLOAN SERVICING to transfer my loan payment to XXXX XXXX This is in reference to a loan payment of {$26000.00} made to Fed Loan Servicing on XX/XX/XXXX via check. The check was cashed on XX/XX/XXXX. I have made the request through XXXX ( my new student loan servicer ) to apply this payment to my current outstanding principal balance with multiple requests made starting XX/XX/XXXX. 

I received a call on XX/XX/XXXX from XXXX stating that Fed Loan Servicing has cashed my check and still has the funds. I have tried to contact Fed Loan Servicing regarding this, but the company does not have any active numbers ( XXXX ) for this request. 

FedLoan Servicing Reference Student Loan # XXXX XXXX XXXX Reference Student Loan # XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally express my serious concerns over the recent and recurring data breaches involving XXXX and XXXX XXXX. The repeated and reckless exposure of sensitive consumer data by these companies has put countless consumers, including myself, at risk. As an agency tasked with the protection of consumer rights, the CFPB must take decisive and robust action against these entities, who appear to have demonstrated gross negligence in safeguarding consumer information. 

The XXXX XXXX breach exposed sensitive personal information, including Social Security numbers, birth dates, and addresses, affecting approximately XXXX XXXX Americans. XXXX XXXX XXXXXXXX data breach was equally egregious, compromising the personal data of over XXXX XXXX individuals. These companies continue to operate under weak cybersecurity protocols that are clearly insufficient to protect sensitive consumer information. This type of negligence and lack of accountability is unacceptable. 

Under 15 U.S. Code 1681c-2 ( Section 605B of the Fair Credit Reporting Act ), consumers have the right to request that credit reporting agencies block fraudulent information that arises as a result of identity theft. I am formally demanding that the CFPB : Investigate and Enforce : Conduct a thorough investigation into the security practices of XXXX and XXXX XXXX. Consumers have a right to know how their data is being managed and that the CFPB will hold these corporations accountable for their reckless data protection practices. 

Enhance Regulatory Standards : Update and strengthen cybersecurity standards for credit reporting agencies and financial institutions. Current standards are clearly insufficient to protect consumers from identity theft and fraud resulting from breaches.

Impose Sanctions and Compensate Consumers : Issue significant penalties to these companies for each incident of data exposure and ensure that affected consumers are compensated accordingly. Any fines imposed should be substantial enough to discourage further data negligence.

Strengthen Consumer Rights and Protections Under U.S. Code 1681c-2 : Provide more accessible and clear instructions to consumers on how to block fraudulent information on credit reports and consider expanding these protections to address instances of data exposure due to company negligence.

Consumers deserve to feel safe and secure in their financial dealings, free from the fear of breaches due to corporate malpractice. Without swift and punitive action by the CFPB, consumers will continue to suffer while companies profit at the expense of our security and privacy. The CFPB has both the mandate and responsibility to protect consumers, and we expect nothing less than your commitment to upholding that responsibility. 

Please confirm receipt of this letter and inform me of the specific actions the CFPB will be taking in response to these critical issues. I await your immediate attention and resolution to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal complaint regarding inaccurate information on my credit report, which I reported to Equifax on XX/XX/XXXX. Despite my attempts, Equifax has not responded to my request, and the following discrepancy remains unresolved. I kindly request your assistance in rectifying this issue and ensuring compliance with federal law. 
The inaccurate information on my credit report is as follows : Equifax has reported that my account with XXXX XXXX ( Account Number : XXXX, Date opened XX/XX/XXXX, Balance {$27000.00} ) was never late. However, I want to clarify that this account does not belong to me, and I request that Equifax corrects this inaccurate information on my credit report. 

As a consumer, I believe Equifax has an obligation to respect federal laws and regulations, including the Fair Credit Reporting Act ( FCRA ). In accordance with the FCRA, I kindly request that Equifax promptly verifies the accuracy of the disputed account and provides me with a written response detailing the actions taken to resolve this matter.
Product: Credit reporting or other personal consumer reports

My accounts with XXXX XXXX XXXX XXXX XXXX  XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX  XXXX AND XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Checking or savings account

On XX/XX/2020 I called US Bank per my rights in Regulation E, I filed a dispute for a company that charged money from my account without my permission. 
It seems that the agent placed a stop payment against the merchant without me requesting the stop payment. 
On XX/XX/2020 I was charge an Analysis Service Fee by US Bank ( invalid charge ), I was checking the US Bank website and there is nothing about Analysis Service Fee. 
On XX/XX/2020 I called US Bank Business Depto about the Analysis Service Charge and I spoke with XXXX, he said that when I filed the dispute a stop payment was placed against the merchant and that is the Analysis Service Charge for. 
I never requested the stop payment and I think is against Regulation E to charge for a dispute process even for any fee related with the dispute process. 
This is the second time that this happens to me with US Bank and the agent mentioned that it will continue happening because if a stop payment is placed on my account in the dispute process the Analysis Fee will be charged the next month post the dispute request and then I have to call and deal with all this situation to get refunded for the fee. 
On XX/XX/2020 I requested the refund and the agent said that I have to wait 1 or 2 business days to get the money back, money that US Bank charged incorrectly for my account. 
Now US Bank is moving my money and using it without paying interest and I am sure that there is a lot of clients having this issues as well.
Product: Credit reporting or other personal consumer reports

today i check my credit report and i see this account and inquieres reporting on my report inncaurate and wrong,, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Reason : Under 15 US Code 1681b permissible purposes of consumer reports Instruction : Please Update to Never Late XXXX Account Number : XXXX Reason : Under 15 US Code 1681b permissible purposes of consumer reports Instruction : Please Delete Immediately XXXX Account Number : XXXX Reason : Under 15 US Code 1681b permissible purposes of consumer reports Instruction : Please Delete Immediately XXXX Account Number : XXXX XXXX Account Number : XXXX Reason : Under 15 US Code 1681b permissible purposes of consumer reports Instruction : Please Delete Immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX