23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

A debt collection agency known as " IC System '' appeared on my credit report displaying a past due debt of {$180.00} sent to collections under the original creditor of " AT & T UVERSE ''. This is not my debt. This very same debt and past due amount has appeared and been sent into collections within my credit report before, and in turn a previous debt collection agency known as " XXXX XXXX XXXX '' tried to collect the amount of {$180.00} from me in exchange for a removal of the collections debt from my report. After a dispute with credit bureaus and a complaint to the CFPB, this issue was resolved, and the debt was erased from my credit report. Now, it has resurfaced once again, but this time the debt collection agency known as " IC System '' is giving it their best shot. 

I asked them for information in regards to the debt for the purpose of verifying its validity and my role within it. They complied and provided me with the information. The debt verification info they provided was FALSE, and does NOT prove in any way or fashion that this debt belongs to me. I NEVER possessed and serviced any AT & T account under the dates and addresses they provided. At this point, I am suspecting to be a victim of identity fraud, therefore I have begun a fraudulent claims process with AT & T and have corresponded with my local police department. I have also placed a fraud alert upon my credit report. Yet, " IC System '' is still trying to collect a debt that is not mine.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  United States RE : Formal Dispute of Inaccurate Credit Reporting under FCRA and Consumer Law To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items.

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding XXXX 's failure to conduct proper investigations. Specifically, in a lawsuit filed against XXXX, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. 
As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), XXXX is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681 ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law. 
I hereby request that XXXX : 1. Conduct a thorough reinvestigation of the following disputed accounts or items 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  Charge account 2. Provide me with all documentation used to verify the accuracy of the disputed information.

3. Correct or delete any information that can not be verified or is inaccurate, as mandated by law. 
Given the recent CFPB findings, I expect XXXX to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation. 
If XXXX fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. 
Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

My money is disappearing off of my Cash app, my cash app has shut down and took all the money off
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the FCRA to conduct a reasonable re investigation of disputed information on my credit report, leaving inaccurate or unverified accounts unresolved. The Consumer Financial Protection Bureau has recently filed a lawsuit against Experian, alleging systematic issues such as failing 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 Experian 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 Experian 's inaction violates federal law and my rights as a consumer.
Product: Vehicle loan or lease

I have been overcharged. They have added money to keep my balance from coming down. I asked for paperwork showing my history and I never got it. They have made up late charges to keep my balance high.
Product: Debt collection

I have disputed this account multiple times. The company and the credit company XXXX refused to remove the account. They opened the account while I was in a chapter XXXX bankruptcy. They also provided documentation that appears to be screen shots of an application with them. However the bank account they provided I have never owned. Therefore, this account was not mine. They wont change the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my personal consumer report, which I acquired from your organization and I noticed that there are unauthorized inquiries, inaccurate accounts and inquiries made and they were not by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1000.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, i looked at my report. I sent a letter to Experian on XX/XX/XXXX asking them in reinvestigate these accounts : XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX the sent me their investigation and said these accounts are complete and accurate. 
XX/XX/XXXX I sent a written request for them to provide a detailed description of the investigation process. Which they did not respond to. 

Heres the tracking for that letter : XXXX I looked at my report and noticed everything is still the same And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( A ) Reporting information with actual knowledge of errors 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 ( ii ) the information is, in fact, inaccurate. 

Experian really did not reinvestigate. They lied on an official document saying they did something they did not do and i have evidence to prove my case.
Product: Checking or savings account

I have an issue with IRS deposit, my IRS refund was supposed to be deposited in my chase checking account XXXX but it was mistakenly deposited into somelse account at chase XXXXI have tried for XXXX good months to explain to the bank that they were supposed to reject a refund that does not belong to the account holder.Per the law chase bank was supposed to reject a refund that doesnt match with the account .Chase bank has failed to do that and has refused to refund me my money. 

During refund time many people face wrong account deposit by the rules sets for banks they had to monitor such account and reject it if possible .Chase is reliable to send me my full refund of {$5200.00} Chase has 4 days to issue a refund, otherwise I will seek personal financial injury lawsuit for financial distress this bank has caused me Chase has refused to help me
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to you with an urgent issue that has, until now, remained unresolved and is causing me unnecessary stress and strain. 

On an initial note, reaffirming the content of a prior communication I received from your establishment, it was clearly stated that the loans erroneously tied to my name would no longer be my responsibility. However, the current circumstances and the lack of action on your part is not just baffling but highly unacceptable. Going through my latest credit report, it is distressingly apparent that XXXX has failed to make good on its promise, as these loans are still marked against my credit. 

This, I must say, is a direct contradiction to the assertion made in your email that explicitly absolved me of the burdens tied to these loans. Breaching trust in such a crude manner is truly perplexing, especially coming from a corporation that prides itself on maintaining transparent customer relations. Not only has your lack of action resulted in a festering dilemma for me, but it also imposes a stain on your reputation. 

Moreover, I have telephonically contacted your customer service department more than once. Each time I reiterated my unfortunate position as a victim of identity theft. Yet, it seems like my pleas are either ignored or blatantly brushed under the rug. This lackluster handling of my identity theft issue is a grave disappointment and speaks volumes about your level of commitment towards customer security. 

This situation is not only unethical but also incredibly damaging. Your inaction demonstrates a complete disregard towards the credibility of your own communication and leaves a lot to be desired regarding your customer services, especially because my issue involves identity theft, a crime that in itself warrants immediate and thorough response. Despite being caught in the throes of this distressing and challenging situation, I find myself questioning the credibility of XXXX, which instead of solving problems, is adding to them. 

Without trying to be litigious at this juncture, I would like to emphasize that unless the wrongful loans are properly removed from my credit report XXXX, I am afraid I will have to resort to legal avenues to protect myself. Please consider this as a forewarning. 

I thereby demand your prompt attention in this matter. Concurrently, I hope that XXXX XXXX of angst and consternation would serve as an eye-opener for you, so as to remedy the situation, understanding the depth of the issue and, moving forward, taking concrete steps to alleviate my distress as well as prevent any such unfortunate incidents from recurring in the future. 

Thank you for your attention to this matter. Expecting your immediate assistance.
Product: Checking or savings account

I've been dealing with an issue with this bank and I need help with this. XXXX 's day weekend I went inperson to speak to someone about a refund that Santander was witholding from me. 

I got into it with the Tellar because she didnt realize She wasn't able to help me, i was ganged up on by all the employees, no one took the time to figure out what I needed. for that I continuusly filed complaints ( 2 ) apparently they shut my bank account down without notice. they also refused to give me the option of walking out with my XXXX dollars. They refused to give me cash or a cashiers check. I am currently homeless and can not receive mail, my last address is in NC. so can u help me address this and figure out Why they wont give me my money back? XXXX XXXX XXXX.
Product: Student loan

I was charged a one-time " Repayment Fee '' without any explanation. After calling Navient, the representative told me they have never seen this sort of fee before and could not explain the reason for the charge. I would like for Navient to double check the purpose of this " Repayment Fee '' and refund it if it was done in mistake.
Product: Debt collection

Absolute Recovery Services in XXXX, Tennessee has called at least 10 times a day, every single day. Will hang up and immediately call back. They have called my work repeatedly after being told I can not have personal calls at work. Today they called at least 6 times within 15 minutes, hanging up and calling back immediately. He got rude with the receptionist and told her he needed to serve me with a garnishment and needed the address. He then asked for my supervisor. Yelled at receptionist when she told them my supervisor said she could not discuss personal matters and told receptionist he had to talk to my supervisor immediately. They called back and got someone else who transferred to my supervisor. He told her he was trying to collect a debt from me and that he needed our address to serve me. She told him he could not execute personal service on company property. He argued with her even after she told him she's a manager and an attorney in our legal department. He then told her that he needs to serve a garnishment on me. There has been nothing filed with court. I have received one letter last week stating they were attempting to collect rent from my previous property management company.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/2023. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

This letter is to notify you if you do not BLOCK OR REMOVE the listed accounts on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
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: Checking or savings account

Santander Bank, masquerading as XXXX, accepted my funds transfer request to open a new account on XX/XX/XXXX. They subsequently lost track of that order so the transfer never happened. I had to resubmit the request on XX/XX/XXXX. They elected to use the 3-day ACH method rather than the XXXX method to save a few pennies, so my funds did not arrive and start earning interest until XX/XX/XXXX. Today I tried to access my money but I was told that it would not be available until the XXXX of the month. Are you kidding me? You are keeping my money from me for 12 days? That is unnecessary, arbitrary and abusive. 

Other reasons to be annoyed with XXXX? They insist on verifying all transactions through a mobile phone running their app. That is tedious enough but their Android app doesn't work. It gets stuck in a loop and can't be closed. 

I asked for my transfer to be reversed but they refused unless I closed my account. Yes, please!! Let me out of this place so I can take my money to a real bank with reasonable policies and working technology..
Product: Mortgage

We refinanced with XXXX XXXX in XX/XX/2020 and our mortgage was sold to XXXX XXXX. We were not informed we would have to reestablish our monthly auto draft and we were almost late in making our mortgage payment for XX/XX/2020. It took two months to establish auto draft with XXXX. At the beginning of XX/XX/2020 we noticed our mortgage had not been auto drafted. We contacted XXXX only to find out that our mortgage had been sold to Flagstar Bank. We had NOT been informed our mortgage was sold and we had no way of knowing that our auto draft would not occur for XXXX. Now we have to go through the process again of reestablishing the auto draft. We have refinanced in the past with XXXX XXXX and XXXX XXXX XXXX XXXX and never encountered these issues. These are unsavory business practices and terrible customer service. I would never recommend XXXX XXXX, XXXX or Flagstar.
Product: Mortgage

I am a veteran with a mortgage being serviced by Mortgage Solutions Financial ( MSF ). I enrolled with the company for a Covid 19 forbearance due to hardships caused by the pandemic a little over a year ago. Upon the completion of the year of forbearance, XX/XX/XXXX of 2021, I informed them I was still experiencing hardship and requested XXXX VA XXXX XXXX Refund Modification Loan, attaching VA XXXX XXXX to affirm my qualification ( Attachment A ). They instead said that I did not qualify for the no document deferment and put me on a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX without notifying me or getting my consent. Upon learning of the modification when I saw it on my online mortgage profile, I informed them that I did not want to do that modification loan, I asked that they take me off that modification loan. I had my attorney reach out to them and reassert my wish to be on the CRML and provided to them the specific VA XXXX affirming my qualification for the CRML option which they denied ( Attachment B ). MSF then sent my attorney a letter stating that they would review me for the CRML but it would take up to 60 days to complete. They also stated that I sent them an application for the XXXX on the XXXX of XXXX but I never did ( Attachment C ). On XX/XX/XXXX, MSF sent me a letter stating they could not complete an application for the " no documentation '' CRML unless I sent financial documentation. On XX/XX/XXXX, I contacted MSF Loss Mitigation department and asked them why they need financial documentation for the " no document '' CRML. The MSF representative informed me that they needed it to process an application for a CRML that achieves a 31 % reduction in my monthly principal and interest payment. I informed the rep that in my request for the CRML I attached the specific VA XXXX XXXX that explicitly stated that service providers are to consider Steps A and B of the CRML before Step C and asked to have the underwriter review the Circular. On the XXXX of XXXX, I spoke with XXXX XXXX another MSF rep who advised me that a third party submitted and signed an application on my behalf requesting the XXXX XXXX CRML. MSF notified me if the " application '' is not approved, they can initiate the foreclosure process.
Product: Checking or savings account

My mother, XXXX XXXX has had two deposit accounts ( checking and savings ) at Wells Fargo for the last 48 years. I am a joint account holder on both accounts. She has maintained significant balances in the accounts over the years. At the end of XXXX, 2023, the combined balance in the two accounts dropped below {$20000.00}, and she was charged a " monthly service fee '' of {$25.00}. For a deposit account. 
I called WF on XX/XX/2023 to ask them to waive the fee. My mother was XXXX. She passed away on XX/XX/2023. And despite the fact that my mother has been a WF customer for close to 50 years, WF refused to waive the fee but offered to refund {$12.00}. 
WF 's business model of charging its customers unfair, deceptive and abusive fees continues unbated. They have simply shifted from opening customer accounts for unwitting customers ( which they also did to my mother ) to charging junk fees to elderly clients. 
There is absolutely no difference between a credit card company charging a {$40.00} late fee and a bank charging a XXXX XXXX monthly service fee. They are all junk fees. The CFPB should protect consumers from WFs abusive business practices. It should order banks to stop charging account holders junk fees.
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 USC 1681 Section 602 States that I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.