23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/year> I noticed a {$20.00} Courtesy Charge ( overdraft ) on the XXXX XXXX account. I sent a secured message to the bank as well as emailed them regarding this unwarranted charge. On XX/XX/XXXX XXXX XXXX reversed the unwarranted charge. A XXXX XXXX representative called me and explained how this happened. 
XXXX XXXX contracts their BillPay feature with a third party. The company name is CheckFreePay a wholly owned subsidiary of Fiserv , IncXXXX CheckFreePay solely decides how to pay XXXX XXXXXXXX account holder 's bills with no input or requests of the method from XXXX XXXX or XXXX XXXX XXXX account holders. 
CheckFreePay can pay with a " draft '' which pays with a XXXX XXXX XXXX. Draft checks are deducted from account holders monies when check is cashed and account holders have the ability to look at the cashed check online as well as a copy front and back of it is attached to the XXXX XXXX statement. Which is customary in my experience. 
When CheckFreePay independently decides to write a " single check '' they pay with a XXXX XXXX check and deduct the money immediately out of XXXX XXXX 's customers account using a ACH withdraw. There is no way for a account holder to tell if the check is cashed, look at a copy of it online, or even get a copy front and back with the statement. 
As a XXXX XXXX account holder this is very concerning to me. 
Attached you will see the XX/XX/year> statement page that {$700.00} was deducted from the account as a ACH Payment on XX/XX/year>. This is actually for XXXX XXXX check # XXXX ( copy attached ) made out to a person which still has not been cashed. 
Also attached is the " account transaction '' print out as of XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was deducted from account and you can see the canceled check. This is what I have experienced as normal procedure. 
However, on XX/XX/XXXX a ACH to a person was deducted from the account which the payment has still not been received by the person. 
This is a total of {$1400.00} that has been deducted from the account which checks have not even been cashed yet. 
There is no way for account holder to know or anywhere to look to find out if the check has been cashed. 
I was told by XXXX XXXXXXXX XXXX representative that I would need to contact them and have them research each one individually. 
This is very inconvenient and in my opinion inappropriate to request of an account holder. 
In this particular case it is even more frustrating because this is a Representative Payee Account and according to XXXX XXXX can not be discussed on the phone and must be discussed in person. 
This practice is inconsistent with no way of the account holder to accurately keep track of their monies.
Product: Credit card or prepaid card

On XXXX XX/XX/2022, I received an automated alert from one of my credit monitoring services ( XXXX ) indicating that a credit inquiry had been requested and was subsequently blocked by my credit monitoring service. At the same time, XXXX reported a " soft inquiry '' through an XXXX data breach monitoring service. When I inquired with XXXX they indicated that it was an inquiry made by Bank of America. Coincidently, about 1 week later I received a " XXXX XXXX XXXX '' credit card from Bank of America in the mail. I called Bank of America to report that this was a fraudulent account, opened in my name, without my consent. They immediately reported the event as a fraudulent claim and closed the account. 

I reported this all back to XXXX, as part of the XXXX data breach reporting service I have established. They recommended reporting via the Federal Trade Commission, which sent me to this site to make this report. 

Let me know if you require further information.
Product: Debt collection

My name is XXXX XXXX I tried to explain to them that TransUnion I was a victim of identity theft due XXXX data breach and had no knowledge of this account. They continued to report it even after repeated attempts to resolve the matter. As per the Fair debt reporting act, they are not allowed to report stolen or incorrect information that can potentially harm my credit. 

According to 15 U.S. Code 1681b They do not have a Permissible purpose to continue to report unverified information that compromises my identity by reporting inaccurate information on my credit consumer profile. I have reached out to them as well as, send them letters and they continue to ignore my attempts to Block the information.

Transunion continues to violate the law. The law clearly states that. I went ahead and file a complaint with FTC as well. XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There have been multiple attempts to take action against the fraudulent accounts reported by the listed companies below. I have personally called and spoken with the companies to resolve this issue and no action has been taken. 

Please REMOVE all Unauthorized Accounts from my credit report : ACCOUNTS : -BHFC FINCL SRVS ( XXXX ) -XXXX  XXXX XXXX  ( XXXX ) -ORIGINAL CREDITOR ( XXXX ) THANK YOU FOR TAKING FORWARD ACTION ON THIS MATTER.
Product: Checking or savings account

On XX/XX/2018 at XXXX i contacted Chase Bank and Spoke a customer service Rep named XXXX and a supervisor named XXXX to close my account and was told i couldn't close the account because Chase system was down.

I noticed that Chase will manipulate and not post and hide certain transactions in order to incur a {$34.00} INSUFFICIENT FUNDS FEE, I was hit with several {$34.00} INSUFFICIENT FUNDS FEE over the course of a few months although i made a deposit before the cut off time. 

Today was no different i called to close my account and saw once again another {$34.00} INSUFFICIENT FUNDS FEE although i made a electronic deposit and was told {$34.00} INSUFFICIENT FUNDS FEE can not be reverse although i transferred money into the account before the cut off time and date. 

Chase has the deposit pending which is another method used to incur the {$34.00} INSUFFICIENT FUNDS FEE and i was told by customer service Rep XXXX and a supervisor named XXXX the system is unavailable and to call back in a few hours, which will be XXXX
Product: Credit reporting or other personal consumer reports

I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I XXXX be a victim of identity theft. I have a security lock on my credit report, and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Product: Consumer Loan

This account is paid in full and verified by XXXX as paid in full on XXXX XXXX, 2016 ; however, the creditor a month later reported inaccurate, bogus balance information and late payments on my XXXX credit report. I disputed, again, with XXXX a month ago, and just today, XXXX XXXX, 2016, XXXX deleted the bogus item from my credit report, but Argon Credit reported this bogus item to XXXX, today, in retaliation.
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I took out private and federal loans for XXXX XXXX XXXX in XX/XX/XXXX. The school was located at XXXX XXXX XXXX XXXX XXXX, CA XXXX. I attended that school for 2 years graduating in XX/XX/XXXX. I obtained a XXXX in XXXX XXXX XXXX Learning that in XX/XX/XXXX XXXX XXXX schools closed all over the country questions my degree 's integrity and merit. I am in the process of payments for these loans that have only grown because of interest. My debt has grown. My federal and private loans are about 40000 in total. I originally took out this loan to further my education. XXXX XXXX XXXX does n't exist anymore but my debt is still very real.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Previously, I contacted the credit bureaus regarding an account that appeared on my credit report that was fraudulent. Being a victim of identity theft I provided a police incident report, an FTC report and requested verification of the account. The credit bureaus never provided any documentation regarding the validity of the account and the account was deleted from my credit report. However, it has reappeared. Section 611 of the FCRA states : A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumers file, and in consumer reports on the consumer, of information that is deleted ... Therefore, this account needs to be deleted. Also, it is my understanding that according to FCRA the credit bureaus must inform the consumer within five
days of any changes being made to the credit file. These credit bureaus allowed the reinsertion of this fraudulent account and never informed me of this reinsertion. The account I am disputing is XXXX  - account number XXXX.
Product: Debt collection

On XX/XX/2023 the original creditor sent me a bill made from their typing and I asked to talk to someone in the closed accounts department about my due balance and they then sent me over to another company which I didnt know they sent the account over to in first place. The man I spoke to on the phone was not able to furnish the bill of sale to my vehicle I was paying on. I explained to him that in Ohio its law that I can request that be sent to me for proof of sale so I could get that information. Instead a few days later I received another bill and it has a finance charge added as well for {$14.00} more than the original bill. Also prior to the sale of my vehicle I called the original loan company and I updated my address with them and my phone number so they could call me and let me know of the date of sale and updated my address with the USPS as well. In the first letter I received about the vehicle being sold it was not sold on the date the paper said it was to be sold on bc I called XXXX and they said the car was not sold yet that they will contact me 7 days before the sale and let me know in writing and I was not properly informed of the sale when they did sell the vehicle. In the letter it said the sale of the vehicle would start at {$500.00} being the low end of the sale of the vehicle and Id get anything left over from the sale past my due amount I owed and I could also be at the sale and have someone else bid on the vehicle also. I was not given that opportunity at all in writing. So the reason I am making the complaint is simply I feel like I was not informed correctly and my rights were completely not thought of at all on the sale of the vehicle and Id like to see proof of all this. My balance due was {$1300.00}. Now its higher by {$14.00}. And its going to keep going up even after I asked for a XXXX.
Product: Credit reporting or other personal consumer reports

Reference complaint # XXXX I have submitted numerous disputes in order to have the payment history of the account XXXX XXXX modified or deleted. It is XXXX that your reporting agency is failing to properly investigate my concerns.

So now based on the law 15 usc 1681i ( 7 ) I am demanding you provide me proof of how you verified the payment history. Under that law you are obligated to provide detailed information including ; the name, phone number and address of the person you contacted to validate this information. I will be adding this to my records so I can sue using the case XXXX XXXX XXXX XXXX XXXX XXXX. Based on the law you have 15 days to provide me this information. Or you must delete the account. This is unfreakingbelievable how unprofessional your reporting agency has been.
Product: Vehicle loan or lease

On XX/XX/2022 I faxed a letter to Capital One XXXXs Credit Dispute Department indicating incorrect reporting on my credit reports. Capital One failed to do a proper investigation and is still incorrectly reporting the information.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. 

Inquiry from XXXX on XX/XX/2021. 
Inquiry from XXXX XXXX on XX/XX/2021.
Product: Debt collection

CFPB, I am writing to lodge a formal complaint against I C System regarding their ongoing attempts to collect an alleged debt purportedly linked to my personal information, yet substantiated by no concrete documentation as required by law. 

As detailed in my previous correspondences with I C System, the most recent on XX/XX/2024, and as evidenced in the attached email exchanges and the official debt dispute letter dated XX/XX/2024, I have repeatedly requested validation of the alleged debt ( Consumer Financial Protection Bureau, Ref : FDCPA 12 CFR 1006.34 ). I C System has consistently failed to provide any valid account number, original creditor information, or any contractual obligations that link me to the supposed debt. 

I have clearly outlined the statutory requirements for debt collection attempts and provided sufficient personal identification details to assist in resolving this matter. However, despite these efforts, I C System has not furnished the requisite information to verify or justify their claims legally. 

Therefore, I request that the CFPB investigate this matter under the purview of the Fair Debt Collection Practices Act ( FDCPA ) and relevant consumer protection statutes. It is my intention to ensure that this matter is resolved in compliance with federal regulations to prevent any further unwarranted and stressful attempts to collect an unsubstantiated debt. 

I appreciate your prompt attention to this complaint and look forward to your support in resolving this issue effectively and lawfully. 

Thank you for your cooperation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting Act this creditor has violated my rights Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC section 604 section 2 It also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USCS 1666b a creditor may not treat a payment on credit card account under an open consumer credit plan as late for any purpose. XXXX XXXX XXXX, XXXX XXXX XXXXXXXXXXXX XXXXAspire XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/year> I disputed a charge for an item that was purchased and received not as described ( damaged ). I provided SoFi with photos and a detailed explanation. 

On XX/XX/year> I received a response from SoFi indicating that they were denying my claim. I responded on XX/XX/year> indicating that the item was counterfeit and that my claim needed to be reopened. 

On XX/XX/year> I received a response from SoFi indicating that no error had occurred. The item arrived not as described ( damaged ) and was not authentic. Therefore SoFi has willfully ignored my concerns and has not followed through correctly with the dispute process.

Therefore I have filed this complaint because SoFi refuses to properly classify this issue and provide a refund. If SoFi does not provide a refund within XXXX  days I will initiate arbitration and SoFi will be responsible for any fees associated with this dispute.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed fraudulent accounts. Please remove these accounts, they are hurting my ability to obtain credit.
Product: Credit card

XXXX XXXX XXXX I have 2 Bank Of America credit cards and I almost one year as a BOFA customer. Couple days ago I noticed that I dont have available credit on my 2 credit cards and immediately called to them to know why. I spoke with representative and she told me that accounts are closed and she can not see why. Just today I got phone call from my cousin and he yelling on me because he add me as a authorized user on his XXXX XXXX XXXX Bank Of America credit card and he telling me that Ive done something wrong with this bank. He received a letter from Bank Of America that all his family members accounts are closed for Some regular transactions are not meet the Bofa criteria, Men, within one click they destroy my credit my cousins credit and his wife credit. Can anyone stop this what is doing Bank Of America for a long time. Within one push of a button this underwriter destroyed XXXX families just this week. I have XXXX credit score, XXXX inquiries within 2 years and my cousin has XXXX credit score and just XXXX inquiries. For what reason we became a risky customer, for what you doing this? because we are Armenians? I want to share this with CFPB and we assuming that someone could help us to keep our credit higher in this bad economy time. Thank you
Product: Payday loan, title loan, personal loan, or advance loan

advance america charged me outrageous and illegal interest and fees for a payday loan
Product: Debt collection

I had two separate XXXX gallery Jewelry account. One has been settled and paid in full due to account balance was incorrect. The second account has been back and forth in XXXX county court. We came to a payment agreement however I lost my job and was unable to make my 1st payment. About a month or so after I contacted the to try to settle the account however they are not willing to negotiate the balance and they wanted to include interest. I have repeatedly called and sent notarized letter requesting to pay off account and the refuse to accept my offer due to the fact they want to include interest. I have been working really hard the last few month to work on my credit & had several thing removed. I am trying to buy a home and this is the only account I am still having trouble with. The Original Balance is {$3500.00} and I was offering $ XXXX {$2200.00} to pay off and they refused my offer. Then turned around and lied to CFPB advising they had tried to settle account. This company only want to keep charging interest to try to collect more money and to but me in debit. I simply want this behind me already. All my other debit are settled and cleared. See attchments
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX reported me to a collection agency ( Credit Management/CMI Group ) in XX/XX/2020 after I disputed a cancellation of service date and subsequent charges. I was never notified I was reported to a collection agency. My account with XXXX up until that time was spotless, as is the rest of my credit report. 

Additional History : After settling the dispute and making a final payment to XXXX on XX/XX/2020, I thought the matter was closed. I applied for a line of credit in XX/XX/2020 and noticed that my credit score was much lower than usual. I investigated and noted that XXXX had turned my account over to Credit Management as noted. I contacted Credit Management but was told they could do nothing unless XXXX called them and canceled the collection request - they did not offer to contact XXXX directly. I subsequently contacted XXXX XXXX, and the gentleman XXXX XXXX XXXX that was initially assigned to my case, multiple times and never received a call back. On a subsequent contact, I was referred to a department that told me that XXXX never refers accounts to collection agencies and would/could not help me further. 

With a final attempt at contact with XXXX XXXXCMI Group, with the XXXX XXXX XXXX listening in with an extra phone, a manager at XXXX XXXXXXXXCMI Group ( XXXX XXXX - she was very helpful ) stated she would cancel the account with XXXX and notify the credit bureaus to remove the derogatory report from Credit Management/CMI Group. 

I went into my XXXX XXXX Credit Report on XX/XX/2020 and the Credit Management negative report is still there, unchanged. 

I am getting ready to apply for a new home mortgage soon and need this reference removed as quickly as possible in order to improve my credit rating and credit score. 

I am very concerned about how XXXX treated me ( which I think might be illegal ), and concerned that Credit Management chose to report me to the credit bureaus without seeking my input. Do they have the right to do that?
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. XXXX XXXX XXXX Balance : {$470.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$30.00} ; XXXX XXXX XXXX Balance : {$150.00} ; XXXX XXXX XXXX Balance : {$170.00} ; XXXX XXXX XXXX  Balance : {$0.00}.