23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I went online in XXXX 2017 noticed a fraudulent charge of {$35.00} on my Macy 's Amex credit card, a card which I have n't used in a very long time. I contacted Macy 's customer service and told them of the fraudulent charge and they told me they would investigate. Three weeks later, they sent me a form to fill out which asked me to detail the specifics of the charge, including date, transaction name and amount. I was not able to do this as Macy 's has refused me access to my account online and had not sent me a statement showing the fraudulent transaction. I have the legal right to receive my account statements and have them sent to me. They deliberately ask for information and then disallow the card holder from being able to gain access to their own account. In addition, this fraudulent charge occurred probably because Macy 's does not require the use of the XXXX-digit security code on a card when making an online purchase. I rarely, if ever, used this card but obviously someone in the Macy 's organization is leaking account numbers. If Macy 's enforced the use of the XXXX-digit security code which verifies the person charging a transaction has the card in hand, I would n't be in this position I am now, trying to defend myself from a fraudulent claim. Lastly, I did n't charge anything on this card and want them to remove the charge from my account permanently.
Product: Credit reporting, credit repair services, or other personal consumer reports

I set up an account for my wife with myEquifax to get a free credit report, I made the mistake of enter my own social security number instead of my wife 's. We have contacted them no less than 10 times to fix this. Everytime we log in it is still pulling my report even though they say it shows her social security number. If I hit the personal information tab it shows my social security number not hers. It is unacceptable that the government allows these companies this much power with our personal information without holding them accountable.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA.
Product: Credit reporting or other personal consumer reports

Im a victim of my identity theft and these transactions were not conducted by me as a consumer.
Product: Debt collection

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account number : # XXXX, Account name : ARS ACCOUNT RESOLUTION, 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I purchased 2 XXXX cell phones and when I got home I did not get service at my house. I retuned them to XXXX XXXX the next day, which I have on video. That was within the time allowed in the contract, therefore I do not owe this money. I never used the service and returned the product.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX XXXX XXXX : Account number : XXXX, Im not responsible for this account.
Product: Mortgage

I was approved for a loan modification thru Owen Loan Servicing in XXXX of 2018. You are given a trial period of 3 months to pay the payments in full and on time. I had made the payment for two months on time and before my third payment was due. Ocwen sold my mortgage to PHH Mortgage. After many, many phone calls in which I spoke to a different person each time, who gave me different information, they WOULD NOT accept my third month trial payment to lock in my new rate. I was told I had to start the modification all over again with them. I was complying completely with all the hoops, and there were many and being assured they were doing everything to keep me in my home. Their customer service is the worst I have ever dealt with. The right hand has no idea what the left hand is doing. They continued to tell me my loan package was either missing something or something was eligible. I was never told upfront all the required documents needed. The kept asking me to re submit papers until they strung it out long enough to tell me when I call to check on the modification that my house had already been sold in foreclosure. They reason they gave me was that they didn't have time to review my paper work before the sale date. I am now awaiting the eviction process to begin. I know there were several violations in their handling of this. After lots of research, I have discovered this happens frequently with the company. They have been fined several times in class action suits.
Product: Credit reporting or other personal consumer reports

" I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX XXXX | May Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists '' I XXXX XXXX did not agree to the terms in which Koalafi has reported to the credit bureaus this seems to be a third party company. Information is not accurate & should be removed immediately.
Product: Debt collection

LJ Ross has attempted to collect a debt even after receiving supporting documentation that the debt is not owed. 

The debt claimed was to XXXX XXXX, in the amount of {$100.00}. LJ Ross placed negative records with XXXX, XXXX, and XXXX. 

The reporting date was XX/XX/2019. 

I wish to pursue damages against LJ Ross and have the negative strikes removed.
Product: Checking or savings account

I opened a " premier checking account '' with Wells Fargo. I've been trying to make an international wire transfer for a over a month now, I've done everything they asked me, they have transferred me to 5 different departments and no one knows what's the issue with my account, every agent just tells me there isn't anything I can do for you, no one cares about my situation and at the end of the day my money is locked in their bank
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a follow up of the previous CFPB complaint I submitted to the Credit bureaus requesting the removal of the fraudulent accounts and information from my Credit File. I have read that under the Fair Credit Reporting Act section 605b, the Credit Reporting Agencies are required to remove the disputed accounts and information from my Credit File. I also sent another Dispute letter last XX/XX/XXXX, requesting that the Credit Bureaus remove the disputed accounts and information from my Credit File, My dispute letters has complete attachments of my personal information as well as the IDTHEFTREPORT I received from the FTC. I have been disputing for the removal of the fraudulent items and yet the Credit Bureaus have done nothing. Once again, I need the following accounts and information removed from my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX A XXXX CT XXXX, MO XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX XXXX XXXX XXXX  XXXX XXXX, MO XXXX XXXX XXXX XXXX A XXXX, MO XXXX XXXX XXXX  CT XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX Balance Owed : {$210.00}
Product: Credit reporting or other personal consumer reports

I'm currently in the process of securing a mortgage loan to purchase a house. Through this process it was brought to my attention that I had duplicated XXXX loans on my credit report that was generated on XX/XX/XXXX by XXXX XXXX. I contacted XXXX XXXX immediately to get a better understanding on why my loans appeared to be duplicated. XXXX XXXX was able to give me the information needed to determine that the duplication was happening with XXXX. The other XXXX credit bureaus, XXXX and XXXX, are not showing this erroneous information. I reached out to XXXX to receive a copy of my report on their end which showed that I had the same loans open with both Department of Education NelNet and XXXX. However, this should not be the case because in XXXX of XXXX, my loans were transferred from NelNet to XXXX. I opened a dispute with XXXX to have the balances with NelNet updated to the correct amount which should be XXXX. However, Nelnet responded to the dispute that my accounts were valid. I contacted NelNet right away and spoke with them several times throughout the last few weeks. Each time, Nelnet assured me that my balances for all the accounts were XXXX but due to a " consumer suppression '', they were unable to report anything other than the last report that they had for my loans which was a report generated in XXXX of XXXX that showed that my loans were still active with Nelnet. By Federal Law, XXXX is required to verify that all of information on my account is 100 % accurate. This is not the case at moment because I have on my XXXX credit report balances with Nelnet when in fact those balances should be XXXX. I would really appreciate any help that I can receive in this matter because this is negatively and severely impacting my mortgage loan approval. I will be attaching documents with all of the accounts from Nelnet showing that they were transferred and have XXXX balances. Also, I will attach letters from both Nelnet and XXXX stating my loans were transferred to XXXX.
Product: Vehicle loan or lease

On my billing statement dated XX/XX/18 there is a line item for " EARN TAX '' in the amount of {$35.00}. I have emailed GM Financial twice to receive an explanation of what this charge could be for and have yet to receive a reply elaborating why I have this additional fee on my account.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Subject : Credit Report Accounts Due to Improper Investigation Dear Experian, I am writing to formally dispute the following accounts listed on my credit report, as I believe they were not investigated properly during your prior review. The Fair Credit Reporting Act ( FCRA ) mandates credit reporting agencies to conduct thorough, accurate, and fair investigations when a dispute is submitted. Unfortunately, the review process for these accounts appears to have fallen short of this standard. 
The specific accounts in question are as follows : XXXX. [ XXXX XXXX XXXX ] * Date of the initial dispute : [ XX/XX/XXXX ] * Reason for dispute : improper investigation XXXX. [ XXXX XXXX ] * Date of the initial dispute : [ XX/XX/XXXX ] * Reason for dispute : [ improper investigation ] XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Reason for dispute : improper investigation I am requesting that these accounts be removed. Please contact the original creditors or furnishers for a detailed verification of the information reported. If you can not verify the accuracy of the disputed information, I kindly request that it be removed or corrected in compliance with the FCRA. 

I expect a written response, including the results of your investigation, within 30 days, as required by law. If you find that the accounts can not be verified, I request immediate correction and that an updated copy of my credit report be sent to me. 
Thank you for your prompt attention to this matter. Please feel free to contact me at [ XXXX ] or [ XXXX ] if you require additional information or documentation. 

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

I have taken steps to address this issue by reporting the inaccurate information, which has had a serious negative impact on my personal life and caused considerable emotional distress. These fraudulent and incorrect items on my consumer reports have hindered my ability to purchase my dream car and provide for my family. The information does not belong to me, and I never consented to its inclusion in my consumer report. As a victim of identity theft, I have attached both my letter and the FTC report for your review. If this issue is not resolved quickly and properly, I will be forced to pursue legal action.
Product: Debt collection

The Company negotiated a plan with me after being fully informed that I am totally and permanently XXXX in which I and the sales person discussed the possibility that I would not be able to generate sufficient revenue at times to service any debt that arose. Since then I have had great difficulty in generating sufficient revenue and have asked to discuss this issue a number of times. At no time have my requests been actually acknowledged nor have I been contacted by any individual to discuss the matter. Today I learned that the company has been pyramiding late fees by assessing late fees on prior late fees by charging, per their email, 2.17 % on the balance after adding in prior month instalments and subsequent late fees. I have an email message from them flatly stating as much.
Product: Credit reporting or other personal consumer reports

My information was bought and sold illegally because I was a victim of the XXXX XXXX breach, and I've had errors on my reports for some time now, I have tried to get them to help me with this issue however they have done nothing but ruin, a lot of opportunities fir me and my family due to this outrageous issue. I want these items deleted off my account effective immediately. XXXX has already admitted to me being a victim of their breach, in which I do have proof of, would you please help me get these illegal accounts deleted from my credit reports. Thank you
Product: Debt collection

Portfolio Recovery i s attempting to collect a debt in my State of Michigan which they are not Licensed or bonded to collect such debts. I just got off the phone with the Attorney General 's office which stated to me to take the complaint to an attorney. I also contacted  XXXX  and they stated that they are not in the system as well. This is new information that I just recently found out. This is my last attempt to have them remove this debt from my credit reports.
Product: Checking or savings account

Key Bank National Association USA. Claims that you can opt out of overdraft protection from the checking account they offer. Here is the problem. If it is an under key bank terms an " authorized payment '' it will still allow your account to be overdrawn. and you will still be charged an erroneous {$38.00} overdraft fee which was {$33.00} i guess that must be adjusted for inflation. You can not offer or claim to offer a service of rejecting overdraft and still allow " some '' transactions to pass through and then charge the unwitting consumer. this is the closest thing to smoke and mirrors financial fraud i have ever witnessed.
Product: Credit card

I was at work on the XXXX on XXXX at XXXX and i get my car broken into. They stole my {$350.00} XXXX  XXXX XXXX with all my credit cards. They spent {$90.00} at XXXX and {$650.00} at target. They also spent a lot more on my other credit cards but those were resolved. Bank of america has denied my first dispute so i called and told them i have the police report with the reference number and its been like XXXX weeks and they havent done anything to fix my claim.
Product: Debt collection

They called me twice within a three hour period. I told them I dont work at XXXX XXXX anymore but Im pretty sure they still called there too. I may lose my job due to them calling my work.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX or XXXX I submitted letters to first premier, XXXX XXXX and to the three credit bureaus asking them to validate the account that was showing on my credit I asked them to send a written letter showing a signature page or any type of proof that the account was mine, it has now been five months they have not sent any type of validation or written proof to me nor to the credit bureaus and I have asked for these accounts to be removed immediately and they still remain on my credit. I have submitted several disputes and at this point I also have disputed this information with the identity theft Bureau and now along with you guys.
Product: Credit reporting, credit repair services, or other personal consumer reports

Well, in XXXX of 2016, I had an automobile financed with MarkOne Financial Services located in XXXX, FL. Here in Ohio, the customer never holds the actual vehicle title. After realizing that I never received a paper lien release in the mail or notification that the lien was released electronically, I called MarkOne Financial. On or about XX/XX/2016, I called and explained to XXXX XXXX that information. She in turn advised me that there was a small balance of {$150.00} and that in exchange for the balance in full, she, on behalf of MarkOne, would remove any and all prior delinquency of my payment history because of this unknown small balance. On XX/XX/2016, I authorized payment to clear out the balance. 

Additionally, I have the dated email from XX/XX/2016, from XXXX XXXX stating the above facts. 

I sent MarkOne XXXX certified letters. XXXX to the physical address and the other to the address on my actual credit report. The physical address was returned as being undelivered, but the POB letter was signed for. I call the USPS and was told that the POB was NOT assigned to MarkOne Financial, BUT they could not tell me the current owner of that particular box.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have a 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: Debt collection

Recieved letter from Capstone Credit & Collections, LLC XX/XX/XXXX stating a client of theirs, XXXX XXXX XXXX XXXX XXXX, has extended me a settlement offer on a debt placed in collection with their office. Immediately took action to review my credit reports in search of said collection, as i had no such contract with referenced creditor and letter was addressed to me with different last name. To my disbelief, this collection has been on my credit since XXXX in the amount of XXXX for a debt i had not incurred. In immediately trying to dispute the inaccuracy with all reporting credit bureaus, all had come back with a decision that it met all Fair Reporting Act requirements and was to remain on my credit. I then turned to research said creditor to obtain any documents or proof that collection exists. What I have found out is that XXXX XXXX XXXX XXXX XXXX doesn't exist. 
XXXX XXXX XXXX which consists of two adjacent communities that were previously known as XXXX XXXX and XXXX XXXX XXXX  sold to XXXX XXXX  XXXX XXXX in a deal that closed XXXX XXXX, XXXX. The seller was a partnership of Tampa-based XXXX XXXX XXXX XXXX and XXXX XXXX XXXX of XXXX XXXX, and that the current owners/management company, XXXX XXXX XXXX  XXXX, has no knowledge or records of my supposed debt and can not find my name anywhere in the system. Needless to say I am beyond angry at this point, and proceed to contact Capstone Credit & Collections, LLC to rectify the innacuracy they are reporting. XXXX XXXX proceeds to tell me that i am in collections for an eviction per the records of the county and that its perfectly legal to continue with trying collect on said debt, as well as reporting with the credit bureaus and hangs up on me. I HAVE GOTTEN NOWHERE FURTHER WITH RECTIFYING THE SITUATION OR DELETING INACCURACY ON MY CRESIT AS XXXX KNOWS I HAVE TRIED EVERYTHING AND ANYTHING POSSIBLE TO CLEAR THIS UP. Please advise me of the next possible step in trying to clear this issue as your agency is designated to handle such affairs. THANK YOU AND HAVE A WONDERFUL DAY.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill it legal obligation under the Fair Credit Reporting Act to conduct reasonable investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau has recently filed a lawsuit against XXXX, alleging systematic issues such as filing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer.
Product: Checking or savings account

I have a Truist Bank money market acct. with over {$24000.00} balance. I authorized my XXXX bill of {$11000.00} to be paid in full from that account. My XXXX  acct. balance showed the payment ; on the next line up was an item I did not recognize. It was {$5700.00} " pending '' for an entity called " XXXX XXXX '' ( " XXXX '' ). The " pending '' amount is exactly XXXX the amount of my previous PAID balance. 

I XXXX XXXXXXXX XXXX found innumerable complaints about this practice. I saw posters who had issues with Suntrust ( a predecessor bank to Truist ), Truist itself, and XXXX itself. There was talk of a class action to challenge this practice. When I called Truist to inquire as to what they were doing I found out that, because my XXXX  payment was processed on a Sunday, they withheld 1/2 of the amount of the XXXX payment for a few days while it " cleared ''. I had never heard of this practice before ; it may have begun when Truist bank took over. 

I did not understand because : 1 ) the bank had already processed the payment, 2 ) the funds from which the payment was processed are IN that bank, and 3 ) the credit card itself is a BB & T ( another predecessor to Truist ) product. More troubling was the information that, during the so-called " pendency '' of this phantom item, the funds ( in my case nearly {$6000.00} of MY OWN MONEY ) is neither available to me nor earning any interest. 

Is it legally allowable and acceptable for the bank to put a mysterious hold on its customers ' funds, to prevent the customers from accessing those funds, and to fail to pay the interest it is obliged to pay on a money market fund?