23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was contacted by MCOA and was notified that I have a debt for XXXXXXXX for XXXX XXXX XXXX XXXX ticket. I informed rep that I have not received written notice from XXXX XXXX PD or MCOA stating this debt and until I do, I will disregard any debt collection attempts by phone. I called XXXX XXXX PD and requested original citation be sent to my address. This was done and received on XXXX XXXX, 2015. I have yet to receive validation of collection for MCOA attempting to collect a debt. This information has been reported and is now on my credit report. I do not have an issue paying the original balance. However, I find it odd that a collection agency finds it appropriate that they can collect funds over the phone without validation of debt in writing to the consumer. I still occasionally receive calls, however, I will not be responding until I receive a written validation of debt.
Product: Debt collection

I'm contacting the CFPB because I was not educated or informed about my legal rights and my original debt is with XXXXXXXX XXXX XXXX not XXXX XXXX XXXX or Pressler & Pressler - they sent a letter to my old address on XX/XX/XXXX and I moved XX/XX/XXXX. Just like they know where I work and harass me with wage exectution letters now they knew where I lived. But they mailed it there almost a year later, why? The only reason I contacted them XX/XX/XXXX was to dispute that I don't owe them. I was mislead, misinformed and was unaware of my legal rights with the FTC or CFPB. They have tactics and was around legal laws in New Jersey and I do not think it's fair what they do. I will continue to fight them because the obligation is with XXXXXXXX XXXX XXXX and not XXXX XXXX - they purchased a debt on pennies on the dollar and they sought Pressler and Pressler for legal debt advice to come after me for a debt i don't owe them.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagging post of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe the practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

My Raymour & Flanigan Account with TD Bank is inaccurately reporting a late payment from XX/XX/2020, and it is negatively affecting my credit report. I have stellar payment history with TD Bank, and I didn't miss the payment. The late payment needs to be changed to reflect the accurate status of paid as agreed. TD Bank said I needed to contact the CRAs, but the CRAs won't change it, as TD Bank is the furnisher of the credit. I have sent certified letters to both TD Bank and the CRAs to correct this, as well as called them both. The XXXX time I called TD Bank, I was told that the CRAs have to correct this, because TD Bank 's records only go back 12 months, which can not be true. When I asked to speak to a supervisor, I was told to go to XXXX and submit a request. The only option there was to email them, which I have done, and have not heard back. 
Please change the late payment to reflect the accurate status of paid as agreed. 
Thank You. 
Without Prejudice, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a fraud report the the three credit bureaus, Experian, XXXX   and XXXX. 
There were several items on my credit report that does not belong to me. Most of the items were removed, but some have been added back to my credit reports. 
No written explanation was provided to me, prior to adding them back, which is a violation. 
The information is as follows : XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX   XXXX
Product: Checking or savings account

I wanted to start a savings account for a trip later this year, so I decided to open up with Citi bank in XXXX. at first, I put a little money which was {$10.00} after a week I saw the money in the account, so was like ok let 's put the rest of my money into the account which was {$4200.00} or XXXX I waited for another to transfer my money from my checking 's account to my new savings account. I saw the account, now I was like let 's save money every check. this is where the problem started. I'm honestly not sure about the dates and can not look at this because my account is blocked. I put {$300.00} in two times after that it goes through, after a week. I put {$300.00} from my checking into my savings. That didn't happen because it took a whole week for the transaction to be completed so I had insufficient funds when it was being processed, because I spent some of it both times. Next week I try to put the same amount of money into the account same thing happens. here comes XX/XX/XXXX my account is blocked I can't see my transactions, bank statements, cant take or put money in. I call my bank and give them my info, but they put me on hold and said ''we can't give any info on the reason why and you will have the remaining money in the account in 30-60 days in a form of a check. I call again a rep tells me to call their fraud line because they can't do anything further and it was up to them. I call the line she told me the same thing but hangs up on me. so I wait the 60 days now it's XX/XX/2022, and now and here we are, still locked out of my account and they have not sent the rest of my money that was in the account. I don't want anything else besides my money preferably before XXXX.
Product: Checking or savings account

On XX/XX/XXXX I received an email notification from JP Morgan Chase Bank that my business checking account had been overdrafted. After checking my online banking history I noticed 33 un-authorized charges made via my Chase Business Visa debit card for three retailers : XXXX, XXXX and XXXX and XXXX stores. I did not make my debit card or any of my personal information available to any other individuals for use at these stores. I went into a Chase branch and informed the banker who assisted me in calling the fraud claims department. I was informed by the Chase representative that the un-authorized charges were made using a XXXX XXXX digital wallet setup using my stolen identity and Chase Business Visa Debit Card on an unknown device ( s ). I never installed, setup, or authorized a digital wallet on any of my devices. However, the claim was denied, despite the fact that I was told that I wouldn't be responsible for fraudulent charges when I initially opened the account. Very little information was provided on why the claim was denied other than two-step electronic verification was used to create a digital wallet account using my phone number which I assume may have been cloned for this illicit purpose. On XX/XX/XXXX I filed an official police report. I own an XXXX XXXX device and provided the fraud department my specific phone and XXXX XXXX XXXX service provider information. I've never had a digital wallet setup on any of my devices. I also provided Chase with two signed and notarized affidavits explaining the fraudulent charges in detail, the police report, and a detailed list of each of the 33 fraudulent charges including dates, locations and amounts of each transaction. The unauthorized and disputed charges by XXXX, XXXX and XXXX and XXXX stores totaled {$6800.00} from XX/XX/XXXX thru XX/XX/XXXX. I have since changed my email password, my Chase online banking username and password, and canceled and replaced my Chase Business debit card.
Product: Debt collection

I had already made a dispute with Phoenix Recovery Group and XXXX XXXX I provided proof that The city of XXXX XXXX had paid our rent in the amount of XXXX and it was removed from my credit. But now they have changed the amount to XXXX and it's on my credit report as of XXXX XXXXXXXX XXXX. I believe this is a fraud account and I would like for it to be removed from my credit report for good. I don't owe this company any money at all.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am submitting this follow-up complaint regarding a previous dispute I filed with Experian concerning the accuracy of the following accounts on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Summary of the Issue : On XX/XX/scrub>XXXX XXXX XXXX I submitted a dispute with Experian challenging the accuracy XXXX the above accounts. Experian subsequently claimed that the accounts were validated without providing sufficient evidence or documentation to confirm their accuracy. Additionally, Experian informed me that the validation process was completed with XXXX days to confirm, which raises concerns about whether a reasonable investigation was conducted in compliance with the Fair Credit Reporting Act ( FCRA ). 
This is a follow-up to my original CFPB complaint, Case Number : XXXX, as Experian has yet to provide : A detailed explanation of the steps taken to validate the accounts. 
Copies of any documents or evidence used to verify the information. 
An explanation of why the dispute was resolved without a thorough investigation. 
Desired Resolution : I request that the CFPB investigate Experians handling of this matter to ensure compliance with the FCRA. Specifically, I ask that : Experian provide all supporting documentation used to validate the disputed accounts. 
Experian be required to conduct a reasonable investigation if XXXX was not previously completed. 
If the accounts can not be properly validated, they should be removed from my credit report immediately. 
Thank you for your time and attention to this matter. Please let me know if additional information is needed. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple letters to TransUnion trying to get them to prove validation about 2 bankruptcies on my consumer report. TransUnion stated that they have validated my bankruptcies with the courthouse. BUT I have letters from the court houses saying that the court houses do not validate anything with the consumer reporting agencies. I have also sent TransUnion a signed affidavit showing them the consumer laws they they have broken.
Product: Credit reporting or other personal consumer reports

In your previous letter you state : As shown in the enclosed transaction history, you have been inconsistent in making timely payments. XXXX disagrees that the Fair Credit Reporting Act ( FCRA ) does not permit XXXX to report your account or the payment history for your account. 

According to The XXXX XXXX XXXX my consumer report should not contain information solely as to transactions or experience between the consumer and the person making the report. So once again I will ask, how can your company furnish any transactional history on my consumer report when the law clearly states that this is excluded from my consumer report? A payment history is a reflection of a transactional history, but if this information is excluded from my consumer report by law, how can you furnish a payment history or furnish a payment as late if this information is excluded? 
The FCRA under 15 USC 1681a ( 2 ) ( a ) ( i ) Exclusion from a consumer report clearly states : ( XXXX ) EXCLUSION- Except as provided in paragraph ( XXXX ), the term consumer report does not include Subject to section 1681b-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; In your responding letter on XX/XX/scrub> 2024, XXXX disagreed that your company failed to notify me of negative items being reported. You claim you have provided me with a notice of a monthly billing statement showing this negative information. 

In my response, I have not received any notice or any monthly billing statements from XXXX. I request that XXXX show me PROOF where I received these monthly statements that you are claiming you sent me. Can you show me PROOF where these monthly statements were delivered to my address. Can you provide me a tracking number showing these monthly statements were delivered to my address above prior to or no later than XXXX  days after furnishing negative information. I request Proof, and if you can not provide me with proof, I demand this account be removed from my consumer report. 

Any financial institution that regularly furnishes information to a nationwide consumer reporting agency must provide a notice to a consumer in writing prior to or no later than XXXX  days after furnishing negative information to such an agency. The Negative Information Notice is a requirement of Section 623 ( a ) ( 7 ) of the Fair Credit Reporting Act. This rule requires financial institutions to provide consumers with a notice that negative information may be provided to a consumer reporting agency. I demand you show me PROOF where you sent me a notice prior to or no later than XXXX days of furnishing negative items on my consumer reports. This is a clear violation of the FCRA.
Product: Checking or savings account

my claim is with the bank of america with them i have my account personal more than 4 years ago in XX/XX/XXXX I opened the business account and on XX/XX/XXXX, I deposited 4 unendorsed checks, the bank contacted me by telephone to request the details of who the check was addressed to. I gave it to them and in the end they told me that it was not possible to deposit the money in my account and that they returned the money to the account that generated the check, but they did not, so they deposited the funds and I assumed that they had corroborated with each of the parties, two weeks passed and when I went to make another deposit I could not enter the mobile application. I went to the bank and they told me that they had closed my account but that the money would arrive in a check at my mailing address. The total was {$6800.00}. They only sent me {$100.00} and told me that I had to wait 90 days for the person who generated the check will not claim the money because he also has an account with the same bank, the 90 days have passed and there was no solution so who generated the check, who in turn is my boss, went to the bank to claim the money they took from his account and He never reached mine, they confirmed his profile and told us that the money was returned to him in 2 weeks, 60 days have passed and they have not returned the money anywhere, on the contrary, the thieves who are working with other people 's money without authorization are the bank of america
Product: Credit reporting, credit repair services, or other personal consumer reports

I got my annual credit report from Equifax. There were 3 accounts with 30 day late notices. I tried to dispute these as I have never been late on my accounts. The online dispute link does not work. I was able to call and get the dispute filed.
Product: Mortgage

Ditech obtained the servicing of our first and second mortgage earlier this year. We were solicited to do a XXXX Refinance on our first since the rate was 6.125 % and they could do better. We started the process on XXXX XXXX, 2016 and did not finalize the process till XXXX XX/XX/XXXX2016. Multiple Loan Estimates were sent throughout the process with changes to figures with out a Change of Circumstance Letter to accompany the changes explaining why and what was changing. Ditech pointed the finger at XXXX XXXX XXXX and XXXX XXXX pointed the finger at Ditech as to why someone had dropped the ball on ordering the subordination of our second. I had to tell Ditech multiple times that we had paid for an appraisal out of pocket yet they continued to show the fees. The lock expired on XXXX/XXXX/2016 so they had to extend it. XXXX estimate shows the extension fee to us which they later retracted because it was evident that they were responsible for the delays in what should have been a relatively easy refinance. 
Ditech sent me the Closing Disclosure on XXXX XXXX, 2016 via a docusign email rather than through the password protected website known as XXXX XXXX. The file was corrupt and I could not open it. I called them to advise, however no body called me back. By Monday evening the XXXX of XXXX I had still not heard back from them so I called Title to advise that we were unable to open much less electronically sign the CD to start the three business day clock so we could close. I received the CD on the XXXX and we esigned it. They insisted that we sign documents on the XXXX of XXXX which was not the full three days required by XXXX. I am in the mortgage industry so I advised that we really should be signing the XXXX of XXXX. They advised that that was not the case and left the documents dated for a XXXX closing. On XXXX XXXX, we received a past due notice dated the XXXX stating that our mortgage was past due even though the loan was in recission. I understand the notice however, the notice was mailed to our home address but had the names of other individuals on it. I do n't know who these people are, but none the less it was alarming that they had violated the XXXX Rules by putting someone else on the notice. It makes me wonder who got a notice with our names on it. We were never provided a copy of our credit reports even though we requested them.
Product: Bank account or service

On XXXX XXXX, 2016 my aunt passed away who had XXXX bank accounts with TD Bank. Prior to her passing she told me that me & my son were named beneficiaries to all XXXX accounts plus others in other banks. On XXXX XXXX, 2016 my son & I went into the TD XXXX XXXX, NY branch to claim the accounts. We were told by the customer service rep that we were not the beneficiaries & that there were none listed & that we would need to go to XXXX Court to get Letters of Testementary to be able to get any information on these accounts. Since these accounts were totaling over XXXX we had no choice but to hire a Law Firm to handle the estate. The law Firm had to contact all immed family member plus the witnesses to the will & this caused much hardships for me & my son. After 3-4 months I was finally named Administrator of my aunts estate & given the paperwork from the NY XXXX Court that was needed to handle TD Bank. I went into Td Bank in XXXX XXXX, NY XXXX after leaving my lawyers office to close out these XXXX accounts & I requested to see all beneficiary forms attached to these accounts. At 1st the customer service rep tried telling me I had no right to see them, even with my letters of Testementary from the XXXX court. I called my Lawyer XXXX who did not agree with the bank & the Rep went to confer with the Bank Manager. He then came back & apologized that an error occurred. And showed me there in fact were Beneficiary forms for all XXXX accounts & that me & my son were the named beneficiarys. The original person made an error. I informed the bank of the Legal expenses I occurred from their mistake & told them I wanted to be reimbursed for those expenses ... They handed me a check made out to the estate of my aunt at that time as well, even after finding out there were in fact beneficiaries. They contacted their legal department & said I would hear back in a few days. My lawyer made me go back & demand payment to the beneficiarys as that is how payment should have been applied to begin with. The legal department 2 days later agreed to make XXXX checks to the beneficiaries and replaced the checks correctly. The legal department requested that my lawyer send them an invoice for services rendered for the estate. Which he did. They further asked for documentation of all work conducted & paid on the estate. Today my lawyer called me to say TD banks legal department decision is to not pay my legal fee 's incurred by their mistake and is trying to say that I would have needed to go to probate anyway and refuses to pay me my legal fee 's for their error. I can only imagine it is due to seeing her will which nothing actually passed thru, which we sent them a copy of. There is nothing else in the estate as all the other bank accounts were named beneficiaies to me and my son, her house was owned as rights of survivorship with me. I am filing my inventory with the XXXX court next week that has a XXXX balance of inventory as there is nothing in the estate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/16 an inquiry was made by " Quicken Loans '' on my credit report. I do not recall making this credit inquiry, however after contacting Quicken Loans and asking for verification, they stated via email that the inquiry was made online through a third party lender they use known as " Rocket Loans ''. A subsequent request by me asking them to verify the inquiry by providing a copy of the application was denied. They stated in response to my request for verification " I apologize we will not be providing any additional documentation regarding this inquiry. All transcripts/ screen shots of the web session are proprietary to Quicken Loans and a part of our business records. '' I have verified my identity with them through my date of birth and SSN and still they will not provide me with verification of this inquiry. 

The point of contact who denied my multiple requests for verification was XXXX XXXX. The initial letter requesting verification was sent certified mail, I then received all subsequent communication via e-mail.
Product: Debt collection

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. The account they are reporting does not belong to me. I have no knowledge of it and they are refusing to provide documentation verifying this account. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on The credit bureaus have no respect for the laws. Someone needs to hold them accountable for this I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this investigation within 30 days of receipt of this letter.
Product: Checking or savings account

I had funds sent into my account and shortly afterwards they closed my account I sent in all of my documentation proving who I was and the funds were mine and they told me my account isnt eligible for a refund.