23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant of the FCRA, I demanded a detailed explanation of the procedures used to validate accounts being reported by XXXX XXXX XXXX subsidiaries XXXX XXXX and XXXX within 15 days. My request was made on XX/XX/2017. 18 days have elapsed and I still do not have an explanation of how they validated the account. The reason I am asking for an explanation is, I have made numerous attempts to verify this information directly with the company and they have always failed to provide any evidence that I actually owe them anything. I would like an opportunity to review any documentation available from the creditors to determine if this debt is valid.
Product: Credit card

I have had a master card account since XXXX, services by Bank of America for at least the past XXXX plus years. When paying my XX/XX/XXXX bill, I followed the instructions on my payment slip to advise Bank of America of my new mailing address ( Their printed instructions ). On XXXX XXXX, I received my XX/XX/XXXX bill, however it was addressed to my old address & forewarned to me by the post office. I called Bank of America customer service. After endless waiting & being disconnected, I finally spoke with a so called supervisor named XXXX. He told me they still had my old XXXX address on record & not my new XXXX address. I explained that I followed the instructions on the XX/XX/XXXX payment slip. He proceeded to scold me & tell me it was MY fault & that I should have called them to make the change. Several times I read to him the printed Bank of America instructions on the payment slip, and every time he interrupted me to say it was my fault & I should have called. He would not answer my question of why the Bank 's payment slip says to do it the way I did ( which by the way worked with XXXX or XXXX other credit cards! ). He just kept saying it was my fault and was so rude I simply said to please cancel this card! I have emailed a few people at Bank of America, but I doubt I 'll hear from them! Imagine treating a cardholder since XXXX so rudely? If this shows up as anything other than account closed at customer 's request, there could be a negative impact on my credit! This XXXX was so obnoxious, I would n't be surprised if he logged the closing as bank request!!
Product: Checking or savings account

Reference closed CFPB case XXXX On XX/XX/XXXX, I received a letter from XXXX XXXX XXXX XXXX XXXX XXXX, Truist Bank that was a response to the above case. 

Today, XX/XX/XXXX, I had a productive telephone conversation with XXXX XXXX concerning her response letter. However, as there were several issues, still unresolved, XXXX XXXX suggested that I file a new CFPB complaint so that these issues could be addressed by Truist Bank. 

The following are the issues identified in our telephone conversation : 1. Truist records indicate that my account address was updated on XX/XX/XXXX. 
I did not initiate this update on XX/XX/XXXX. I changed my account address in early XX/XX/XXXX and have two Truist Bank statements mailed to me at my new address for XXXX and XX/XX/XXXX to show that change. XXXX XXXX was unable to identify the Truist employee who made this address change on XX/XX/XXXX. 

2. I have had a XXXX dollar return statement fee charged to my account each month since XXXX, XXXX, even though I changed my statement preference from mail to electronic notification in XXXX, XXXX. 

XXXX. The return statement fee appears on my account approximately two days after the statement has been mailed by Truist Bank. This is not enough time for the letter to reach its destination, be determined undeliverable, and returned to Truist Bank and posted to my account. 

XXXX. If possible, it would help if Truist Bank were to flag my account and keep the returned bank statement in XX/XX/XXXX to see what the problem is with the address. They do not have any pictures of returned statements for XX/XX/XXXX through XX/XX/XXXX. 

XXXX. I spoke with my mail carrier and he stated there is no problem with my current address and knows of no action that I or the post office can take to identifier why the statement is being returned to Truist. 

XXXX XXXX requested that if a different client resolution specialist is assigned this case that the specialist reach out to her for background information. 

Thank you for your assistance in this matter.
Product: Credit reporting or other personal consumer reports

I am writing to formally bring to your attention the ongoing issue with Experian 's reporting of inaccurate information on my credit report, despite repeated attempts to rectify these errors. I have filed multiple disputes regarding the following accounts XXXX. XXXX XXXX - XXXX - Payment History for XXXX, XXXX & XX/XX/XXXX is incorrect - Date of Last Payment incorrect XXXX. XXXX XXXX - XXXX - Payment History for XX/XX/XXXX is incorrect - Date of Last Payment incorrect XXXX. XXXX XXXX - XXXX - Date of XXXX XXXX incorrect XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Payment History for XX/XX/XXXX and XX/XX/XXXX is incorrect - Date of Last Payment incorrect Despite my efforts, Experian has failed to correct these blatant errors. I have specifically requested the method of verification for these accounts and sent a certified letter of dispute on XX/XX/XXXX. However, Experian has neither opened these disputes nor provided any indication that they are actively addressing these issues. 

It is crucial that accurate information is reflected on my credit report, as these inaccuracies are negatively impacting my creditworthiness and financial standing. I urge the Consumer Financial Protection Bureau ( CFPB ) to intervene and ensure that Experian complies with its obligations under the Fair Credit Reporting Act ( FCRA ) to promptly investigate and correct inaccurate information.
Product: Checking or savings account

Am filing 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 lagged 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022 to XXXX However the credit bureaus said they completed the investigation and everything was 100 % accurate. 
According to the law 15 U.S. Code 1681a - Definitions ; rules of construction.

The term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of informations. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
I would like to know who did they talk to? 
How did they complete this investigation?
Product: Mortgage

On XXXX XXXX I sent a Bank check by certified mail to Shellpoint MortgageXXXX XXXX I was notified my payment was not received ( Shellpoint Mortgage bought my Mortgage from XXXX XXXX XXXX  in XXXX XXXX was current on all my payments with no issues ) I called Shellpoint and they stated they did not receive my payment, I informed them I mailed a bank check.I checked the post office ( USPS TrackingXXXX XXXX XXXX XXXX XXXX XXXX ) and the letter was picked up at their XXXX XXXX XXXX XX/XX/year> @ XXXX. 
The letter with the check was somehow lost or destroyed by them.I then called my bank to cancel the check as no none knew where it was. 
I was informed by my bank it would take 3-6 months to recoup these funds to my account.I called Shellpoint Mortgage and explained this to them. 
On or about XX/XX/XXXX I set up a 3 months payment plan for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX for payments to be automatically deducted from my checking account ( now Im 1 month behind on my payments as I dont have the funds to cover the lost check. 
All those payments were made.I then called on or around XX/XX/XXXX to set up a new 3 month payment plan for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( still being 1 month behind ). 
XX/XX/XXXX payment was removed, then on XX/XX/XXXX, Shellpoint took out 2 payments, which my bank covered, I did not have the money in my account for both payments, but my overdraft covered both payments, putting my account nearly XXXX. 
I called Shellpoint Mortgage to ask for 1 payment to be credited back.Shellpoint stated it would take XXXX XXXX days later they did not return the money.I called several more times through and up to the XXXX of XXXX and was told it would be returned XX/XX/XXXX, which it wasnt. 
I called XX/XX/XXXX and was told it would be returned in 24-48 hrs, it wasnt not.The money was never returned, which left me unable to pay several other bills as my checking account was in the negative. 
Today is XX/XX/XXXX and I received a letter on the XXXX stating I was 39 days behind, and owed over XXXX ( the App states I owe over XXXX ) I know I owe for XXXX, which I will pay, but this whole process has been truly stressful and frustrating. 
I would appreciate any help in this matter.With them taking out an extra payment, I have fallen behind on several other bills, and had to make arrangements because of the lost funds. 
Thank You very much, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Debt collection

I am XXXX XXXX, a natural person, and no one is helping me file this complaint. I have sent several certified letters to this Debt Collection Agency CALVARY PORT requesting an audit trail to that I may have a chance to validate the debt, and for them to Cease and Desist reporting while I was disputing this debt. CALVARY PORT is in violation of my consumer rights by refusing to abide by the law.
Product: Credit card

There was a fraudulent charge on my credit card. The charges were reversed, but Regions Bank had to cancel my existing credit card and issue a new credit card. When they issued the new card, they canceled autopay without telling me about it. After the first late fee was assessed, I challenged the late fee on the grounds that they had canceled autopay without telling me. They reversed the late fee. I checked the account online to confirm autopay was active. It said it was. Yet, again, the next month autopay did not go through. I was charged another late fee. They would not remove this fee. I called to tell them that autopay was enabled. They said the online system was incorrect. They said you can not set up autopay online even though there is an option to set up autopay online. They said I would have to mail in a form to set up autopay. I mailed that form in XXXX. It is the end of XXXX and XXXX has still not gone through. I was charged another late fee despite having mailed an autopay authorization two months ago. Again, they will not remove this late fee.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX  XXXX Balanced : {$1200.00} XXXX XXXX XXXX Balanced : {$0.00} XXXX XXXX  XXXX Balanced : {$0.00}
Product: Debt collection

This falls into the fraud categorie, I was in XXXX  from XX/XX/XXXX and was released on XX/XX/XXXXso somebody use my information to obtain cable tv service.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2020 I sent a certified letter to Belmont Finance LLC in reference to a negative account that they were falsely reporting on my credit report. They received the letter on XX/XX/2020 but did not respond. See attachment for the letter that I sent and documentation that they received the letter. I sent a follow up letter after the 30 days requesting the same information. later in XXXX I received a letter dated XXXX XX/XX/2020 ( definitely over the 30 day response time ) saying that my dispute was frivolous. This was not a proper investigation because I was never was given any of the documentation that I ask for proving that this account belonged to me after two attempt of asking for the information.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I refinanced my VA mortgage with Freedom Mortgage. I was advised of closing in early XXXX so we halted on paying mortgage. I was advised we would not close until XXXX due to pandemic delays. I went on and made payment XX/XX/XXXX with a late fee, and received email notification of payment. I called Freedom XX/XX/XXXX as I did not see the payment withdrawn from my account. I was informed the payment was unsuccessful which is no fault of my own as I was never notified of this via phone or email. I ended up making a payment in the same phone call that day. I was told we would close in XXXX so I did not make payment for XXXX right away. As days went by I wanted to avoid another late fee so I made a payment XX/XX/2020 and received notification of payment, this time by mail. I was then informed later that same day that I was closing on my mortgage XX/XX/2020 and would not need to make a payment for XXXX which I had already done so. I received a letter in the mail dated XX/XX/2020, stating my XX/XX/XXXX payment did not go through. I did in fact close on XX/XX/2020. I then received a letter by mail dated XX/XX/2020 stating that Freedom did not get payment for XXXX and a late fee has been assessed to my account. After my closing, my credit score went from Excellent ( near 800 ) to Poor ( 620ish ). I contacted Freedom about this and was advised they made notes in their system and that I should contact the creditors. Upon dispute and resolution of this matter, my credit report shows no data available for XX/XX/2020 and also shows I am late 30 days in XX/XX/2020 which is not accurate information by any means, as I closed on XX/XX/XXXX. This is disappointing as I have refinanced twice now with Freedom. I have never missed a payment for anything in my entire credit history and this has severely impacted my ability to move forward with any sizeable financial purchases.
Product: Debt collection

XXXX XXXX called my mom 's ex husband, saying I wrote a bad check. He left voicemail on otheres phones saying I wrote a bad check. I also have him calling my work saying I am not above the law and that I am to put him through to my HR. As well as telling me I can not tell him where and who to call. He will do as he pleases.
Product: Vehicle loan or lease

... I'm writing to you about my current situation with CAPITAL One Auto, a car loan that I obtained in 2020... I was doing well making my payments on time for a while and then I had an hardship which had a great impact on me finanacially being able to make the payments. I did received a few extensions to assit me getting back on track. During this time I was able to get back on track for a while to the point of paying {$22000.00}. But as we know life happens and that is exactly what had happend to me and my car was eventually repossed but I was able to get my car back five days later. Buring this timeframe on my credit reportd Capital One was reporting as a " Charged Off Account ''. As we know charged off accounts are essentilaly paid and or given credit for by the IRS. Therefore it is not meant for, me to pay twice, BUT CAPITAL One Auto, removed the " charged off " account to an active account showing that I still owe {$25000.00}, this double the amount. I am aware of my interest but it s like they took my {$22000.00} that I invested, then charged my account off and then reinstated to now showing I still owe {$25.00}, XXXX, which is over-kill. 

I am simply asking is the legal, which I feel that its not and how can this be addressed? 


I apppreciate any assistance/ guidiance in this overwhelming experience. 

XXXX XXXX Thank You
Product: Debt collection

Received official letter XX/XX/XXXX calls repeating to my number, husband number, sister, and son number. Attempted to set up a payment arrangement on XX/XX/XXXX due to XXXX check comes once a month, spouse has no job due to both of us in car accident XX/XX/XXXX. Company refused to set up payment plan and said it will go to credit report with or without payments made.
Product: Credit reporting or other personal consumer reports

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state.

5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 
6. Please provide a complete account history, including any charges added for collection activity. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX  - XXXX {$700.00} XXXX XXXX - XXXX XXXX XXXX  - XXXX {$1100.00} XXXX XXXX XXXX  - XXXX {$1400.00}
Product: Credit card or prepaid card

I reached out to Capital One to dispute a transaction. 

The merchant sold me service package with a term of XXXX. 
The merchant disappeared XXXX after starting the contract and stopped providing the services that I paid for using my Capital One Credit Card. 
They stated in an email to all customer that the merchant would refund the paid amount but this hasn't happened. 

I sent Capital One all documents that were necessary and they decided not to pursue the claim. Every time I call and ask why, they list different reason each time. 

First, my claim was denied because there was no date listed on the contract between the Merchant and. This is not true - the date was on the contract.

Then Capital One needed me to send a signed statement.

After that they denied to dispute the transaction is over 60days old.

They failed to reach out to the Merchant and dispute the transaction as listed on their website.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute late payment entries on my credit report and to assert my rights under the Fair Credit Reporting Act ( FCRA ) and relevant sections of the United States Code ( U.S.C ). 

According to my credit report dated XX/XX/XXXX, there are two late payment entries listed for CREDITOR NAME : XXXX ACCOUNT NUMBER : XXXX in XXXX and XX/XX/year>. However, I would like to bring to your attention that these late payments are inaccurate and unjustified. 

I contacted the company directly regarding this issue and spoke with a representative named XXXX. During our conversation, XXXX confirmed that the late payment entries were made in error and were not a valid reflection of my payment history. As a result of this error, the company refunded me {$30.00} in late fees as a gesture of acknowledgment. Based on this confirmation, I am formally requesting that you remove this inaccurate late payment entry from my credit report immediately. 

Under the FCRA, I have the right to dispute any inaccurate information on my credit report. Section 611 of the FCRA ( 15 U.S.C. 1681i ) mandates that consumer reporting agencies, such as yours, must promptly investigate disputed items and correct or delete any information found to be inaccurate, incomplete, or unverifiable. 

Furthermore, according to the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 805 of Title 15 U.S.C., debt collectors must provide accurate information and refrain from reporting false or misleading information to credit reporting agencies.

I am formally requesting that you investigate this late payment entry and provide me with the following information : 1. Verification of the accuracy of the late payment entry, including proof of the alleged late payment.

2. Documentation demonstrating compliance with all applicable laws and regulations regarding the reporting of late payments.

Given the confirmation of this error by the original creditor, I expect a thorough investigation into this matter and request that you provide me with a written response within 30 days, as required by law. Failure to comply with these requests may result in further action to enforce my rights under the FCRA and FDCPA.

Please note that my consumer rights must be respected, and any failure to adhere to the provisions outlined in the FCRA and relevant U.S.C. laws will be pursued accordingly.

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Debt collection

This was paid and should never have been sent to the collection agency. It was a fee for my PO BOX which I paid at the window in cash and then my PO Box was re-opened and I kept getting mail.