23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Servicing Department : Please be advised this notice is in regards to recent Commonwealth Financial Systems claims on account # XXXX and regarding my potential claims pursuant to the Fair Debt Collection Practice Act, 15 U.S.C. 1692 et seq. ( the FDCPA ). I deny any and all liability and financial responsibility for the indebtedness claimed by you. Accordingly, this letter serves as a formal dispute of any balance associated with the abovementioned account and as a demand to discontinue any current and further collection attempts. Furthermore, pursuant of the Fair Collection reporting Act ( FCRA ), 15 U.S.C. 1681 and 15 U.S.C. 1681i, I demand an immediate expulsion of past or future credit reporting by of any current or future collection efforts, including any derogatory remarks furnished thereto. 

I further request that you discontinue all collection efforts, unless and until you timely ( 30 days ) provide me with : ( 1 ) evidence that I am the proper party in interest concerning the suspected debt ; ( 2 ) verification of the debt in question, ( 3 ) any and all legally signed bonafide contractual agreement, and ( 4 ) the successive documentation evidencing any assignment or transfer of a debt account to Commonwealth Financial Systems, from the original creditor. Furthermore, I request that Commonwealth Financial Systems to discontinue reporting of any derogatory information regarding the abovementioned account to Credit Reporting Agencies. Regardless as to whether these demands are fulfilled or the outcome of this dispute, I hereby exercise my rights to enter the entirety of this letter as a Consumer Statement in XXXX XXXX credit file pursuant to FCRA provisions. 
Failure to adequately respond to the demands included in this letter, within 30 ( thirty ) days, will render a legally binding presumption that XXXX XXXX  acknowledge I am not the proper Party in interest to the claimed past due amount and any further collection efforts are unlawful. 


Respectfully yours, XXXX XXXX XXXX ldw
Product: Credit reporting or other personal consumer reports

This company have an account listed on my credit report as closed with a negative impact. I have reached out to the multiple times asking to prove that I have a contract with them. I haven't received any responses.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed my balance that was being reported to the credit bureau against XXXX XXXX credit card company in early XX/XX/2020. The credit bureau tried to verify my balance with XXXX XXXX and they didn't respond at all. Two accounts I have with XXXX XXXX were removed from my credit report causing my score to drop XXXX points. I contacted XXXX XXXX and they advised to mail in a letter stating what happened so the two accounts can be added back to my credit history. That was on XX/XX/2020 the letter was sent. I am still waiting. I called XXXX XXXX today to try to find out the status and was put on hold. The rep left me on hold several minutes and then just put me back in the que and I had to start all over, the second rep was very helpful. Transferred me to another department in disputes. Apparently credit department is still closed and so is the dispute department. Very frustrating because the same thing happened with XXXX and it is all taken care of, within about 10 days time.
Product: Debt collection

JPMCB CARD SERVICES XXXX Report date : XX/XX/year> This isnt my debt and and does not belong to me but this company published this debt on my credit profile without my written or verbal consent. Not responsible for this charged off debt.
Product: Checking or savings account

My mothers assets were put in a Trust account in XXXX, with me as the successor trustee. All documentation was given to Bank of America. Mother passed on XX/XX/XXXX. When she passed, I check with the family attorney to see if I needed to do anything to the trust to move forward with my mothers wishes. I was informed that since I was the successor, I merely had to move forward with what she wanted me to do. 
On XXXX, I went on line to deposit funds into the trust account. Bank of America had placed a hold on the accounts. They said they did not have the trust documents. They needed the original to make sure nothing had changed. On XXXX, I brought them the document and told them to remove the hold. 
This is the third time I have had to give Bank of America the same documents since the trust was created in XXXX. 
I checked on Saturday morning XXXX XXXX XXXX and the hold was still in place. I called back, on Monday XXXX, told them the documents had been delivered and to remove the hold. They asked if I filled out the Certificate of Trust document. I said I was not given any such form. They told me to go back to the bank and fill it out. I went back to the bank, sat there for two hours, while they tried to figure out how to access the forms. 
Everything is signed and documented as the bank indicated. AS of today XX/XX/XXXX, the hold on the account is still in place. 
Something is wrong at Bank of America. The demand that I had to bring the document back in to make sure no changes has been made is ridiculous. I brought the same document back in again. 
The fact that they lost the document three times over the years is horrible. Each time this caused a great deal of frustration and certainly no confidence in the banks digital recording keeping. 
The worst is that preparation for this extreme time of loss was done in advance. To have such an obtuse process when emotions of loss are already high makes it even harder.
Product: Checking or savings account

I made a payment of {$450.00} to a seller for website updates via the XXXX XXXX. Once I made the payment, the seller did not respond to my texts ( Please find the attachments provided ). The seller did not provide the services that he promised. 

I contacted the XXXX XXXX about this issue. They requested to file a chargeback from my card issuer. 

I contacted Charles Schwab on XX/XX/XXXX with this issue and they helped me raise a dispute. 

I was sent an email on XX/XX/XXXX saying that the dispute was denied. The notice mentioned, " We have no recourse with the merchant based upon the nature of your dispute. This is an authorized XXXX XXXX transaction ''. 

I contacted the Schwab Bank customer service and spoke to a supervisor. The customer service supervisor mentioned the case was closed as a fraud dispute ( whereas this was not a case of fraud but a case of services not received ). I was told she is resubmitting the case for re-investigation as it was previously closed as a case of fraud. 

I was sent an email today ( XX/XX/XXXX ) with the same PDF again mentioning that the dispute was denied ( no changes except the date on the PDF ). 

I am surprised a bank is not willing to support a customer when there is material evidence that the customer was cheated. I was expecting the bank to support the customer and file a chargeback with the vendor. 

As mentioned on the XXXX website, the card issuer can file a chargeback if services were not received but the denial notice says " We have no recourse with the merchant ''. I am surprised that a bank is not willing to help customers who are cheated and protect their rights. 

If it is any other well-known bank, they would have stood with the customer to resolve the issue but Charles Schwab bank is not willing to help the customer even though the customer provided supportive evidence.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against it. 
XXXX XXXX*Balance Owed : {$19000.00}.
Product: Credit reporting or other personal consumer reports

Transunion is reporting an account I did not authorize on my credit. I also gave them a police report. I asked how this happened and they gave me no answer. They said that they would do an investigation and that it would take 30 days. It has been beyond 45 days and I have not receive anything. This is illegal and against Fair Credit Reporting Act. Please remove the account below. 

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

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 wihtout 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, 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 innaccurate.
Product: Credit reporting or other personal consumer reports

Kindly remove these fraudulent accounts from my credit report, as I did not authorize their creation and was not aware of their presence. Under USC 1681g, I request their removal within 15 days. Supporting documents are attached. 
I am requesting the immediate removal of these unauthorized accounts from my credit report, as I neither opened them nor knew they existed. As per USC 1681g, please delete them within 15 days. I have included the necessary supporting documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Noticed 2 hard inquiries on my credit report that I did not authorize.
Product: Checking or savings account

They closed my account I had dem for years they was overdraftin me they garnished my money that was deposited
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my ( XXXX  - XXXX ). I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Credit card or prepaid card

I found I have been being charged a fee for " card security '' for over 10 years that I had never signed up for. This is on my Banana Republic card through Synchrony. 

I have multiple store cards and am familiar with card security and have turned it down on every other card I was ever offered. If I had known it was on, I would have tried to use the benefits from it in the past. 

I contacted XXXX XXXX about how this was activated and to cancel on XX/XX/XXXX. This was eventually completed later in the month even though it was only to take 3-5 business days. During this call, I was told I signed up for the program verbally when the card was open. My records show this card was opened in XXXX. 

I spoke with someone else on XX/XX/XXXX to clarification on the activation and to confirm cancellation. At this time I was told a different way that the card security was activated. 

The following day I was sent a letter that the program was purchased during a call to service on XX/XX/XXXX. It is noted that a welcome package was sent at that time. I never had this call or received any welcome package. At no time would I have ever been interested in these benefits and never would have signed up for card security. I asked for a copy of the welcome package that was sent or any other documentation and did receive. 

I had this card set up for a long time on Auto pay, and was surprised to see the balance go up every month despite a $ XXXX payment.
Product: Student loan

XX/XX/XXXX To Whom it May Concern : I write to request that you urge the Biden Administration to modify the Public Service Loan Forgiveness ( PSLF ) program such that periods of full-time public service combined with periods of forbearance and/or deferment would count toward PSLF, regardless of whether payments were made during those periods. 
I graduated in XX/XX/XXXX with my XXXX  of XXXX XXXX and began working in XXXX XXXX six months later. Ive been in XXXX XXXX XXXX since that time and due to the pay of this chosen career have had difficulty paying in full towards my student loans. Throughout multiple contacts with FedLoan to assist in my payments, I was advised to defer or place my account in forbearance while working to help me financially. 
Currently, only 48 payments in my 12-year work history will count towards student loan forgiveness. I was steered by my loan company to go into forbearance or deferment unaware of the long-term consequences. I have dedicated my career to public service, working with XXXX XXXX XXXX XXXX as well as XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Ive sat in hospitals, jails, emergency rooms, court rooms and dedicated my time and energy to the people in our country. 
Due to policies that were advised by this company ( FedLoan ), many people including myself have been unable to achieve the promise of student loan forgiveness. My applications have sat for months waiting to be resolved with very little progress noticed.

Im continuing to work in XXXX XXXX with an ever-growing caseload. I work with substantiated cases of XXXX in a small XXXX XXXX of Michigan community . Im raising three children of my own and caring for my husband who was recently treated for XXXX XXXX XXXX XXXX. Resolving this issue is life-changing for public servants so that we can continue to work in our communities without the crushing weight of student loan debt. 
Please bring light to this issue and make meaningful change for me, my family and our communities. Public servants are VITAL to our communities.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of the following accounts and inquiries. XXXX. XXXX  XXXX XXXX {$650.00} XXXX. XXXX XXXX bal. {$420.00} XXXX. XXXX XXXX XXXX bal. XXXX XXXX. XXXX bal. XXXX XXXX. XXXX XXXX bal. {$740.00} XXXX. XXXX XXXX XXXX XXXX. {$19000.00} XXXX. XXXX XXXX  XXXX XXXX. {$24000.00} XXXX. XXXX XXXX XXXX bal. XXXX XXXX. XXXX XXXX. {$1300.00} XXXX. XXXX XXXX XXXX XXXX  {$330.00} ( acct number XXXX not listed on FTC report ) XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the FTC report for these accounts and inquiries. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ). as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 XXXXXXXX ) - ( XXXX ) XXXX has violated my rights. 


I looked at my TransUnion report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, 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.

and according to 15 USC 1681s-2 they are suppose to 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: Payday loan, title loan, personal loan, or advance loan

I submitted a loan application to PNC Bank for a {$35000.00} loan, which was denied. I believe the denial was discriminatory and constitutes a violation of my rights under multiple federal statutes, including the Equal Credit Opportunity Act ( ECOA ) and the Federal Reserve Act. 

The denial letter from PNC did not provide a valid, non-discriminatory reason for the rejection, other than referencing my credit score, which I believe was an arbitrary and unfair metric for judging my creditworthiness. As I am of legal age ( over XXXX ) and fully competent to contract, I assert that the denial was based on a presumed incapacity, which is discriminatory under ECOA. 

Additionally, PNC Bank is violating the Federal Reserve Act, particularly Section 16. Under Section 16, Part 1, the issuance of credit, including the use of credit created through my financial resources, is within the purview of the Board of Governors of the Federal Reserve. PNC, as a financial institution, does not have the authority to arbitrarily deny me access to credit. The Board of Governors did not restrict my access to credit, and thus, PNC is acting beyond its authority by denying me the loan. 

Furthermore, under Section 16, Part 2, PNC Bank used my application as collateral for the amount of {$35000.00}. The collateral was provided in the form of my application, which should have allowed me access to the requested funds. Instead, the bank improperly denied me access to the credit created through my application and effectively misused my financial resources. 

I formally appealed the loan denial directly with PNC Bank, asking them to reconsider the decision. Despite my appeal, PNC Bank still refused to grant me access to the {$35000.00}. This refusal has prevented me from accessing funds that I am legally entitled to, and I believe this action violates both federal law and my rights as a consumer. 

I am filing this complaint with the CFPB because I believe that PNC Bank 's denial of my loan is a violation of my rights under the Equal Credit Opportunity Act and Federal Reserve Act, as well as an example of discriminatory banking practices.
Product: Credit reporting or other personal consumer reports

Below I will attach proof of identity and address validation along with supporting documentation so On XX/XX/year> I XXXX submitted a dispute via certified mail to XXXX and XXXX and Equifax Im a victim of identity theft / fraud all credit reporting companies fail to protect my consumer rights and did not remove fraudulent accounts and inquiries on my personal credit report which Cause emotional distress I and my attorney now have to file a civil lawsuit in court for violating Texas penal code 605b of the fair credit reporting act my attorney have filed against all above companies in federal court as of XX/XX/scrub>XXXX XXXX FAIL TO REMOVE ALL INQUIRIES WHICH ARE FRAUDULENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Payment XXXX XXXX XXXX XXXX XXXX XXXX co XXXX XXXX did not remove the fraudulent account. 
XXXX XXXX XXXX {$710.00} Also fraudulent address XXXX XXXX XXXX XXXX XXXX XXXX Equifax did not remove fraudulent accounts and inquiries that I did not authorize ACCOUNTS 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: Credit card or prepaid card

In 2017 I after answering an ad to earn an income from home. I was contacted by a company who explained how they would train me over the course of 6 months to earn a steady income. At the time I was in and out of the hospital and they were aware of my health condition and said that they would work with me no matter how long as they knew I was limited in my time and abilities. I paid the initial fee of {$8000.00} and began their training. A few days later I was asked to pay for another thing for {$6000.00} and it just continued from there. I was led to believe that I was talking to the same company and when in fact I was not I was actually dealing with several companies and these were all telemarketing scammers. They continued to insist that I needed these additional items to do everything legally right. I am writing because I had not realized I was being taken advantage of I was not aware that this is a common scam among the elderly and I need help. I am unable to reach these companies and they never fulfilled the items that I was sold and what they did was not what was promised they misled me an defrauded me. According to the Attorney General, I understand that Telemarketers are requited to refund any money paid under these terms and it was recommended that I contact your agency since my bank is not honoring this and is dismissive of my complaints.
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 posting 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 these practices are unfair and request an investigation into my account transactions.