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

Bank OZK charged me on 3 separate occasions overdraft fees for charges I reported as fraud or that were reversed due to fraud or mistakes. I reported this to them and they have yet to refund me the {$100.00} for unnecessary and frequent back to back overdraft charges. Their local branch in XXXX GA attempted to harass me when I tried to report an employee and then tried to give me one day to mail in a written form and quickly closed my bank account to cover themselves. now my bank account is gone due to their rashness. They owe me money and have been negligent. I want my {$100.00} and I am not resting until they pay me. 

I have no documents due to my rashly deleted account which booted me from all access to records before I even got home.
Product: Vehicle loan or lease

I am writing to formally dispute the validity 10 missed payments. Upon reviewing the documents provided, I have noticed discrepancies in the original contract associated with the debt. 

Specifically, the terms outlined in the original contract do not align with my recollection of the agreement. I request that you provide me with a detailed breakdown of late payments accrued. 

Additionally, I am invoking my rights under the Fair Debt Collection Practices Act ( FDCPA ) to request validation of this debt. Please provide all relevant documentation, including the original contract, proof of ownership of the debt, and verification of the amount owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I have sent a letter to the three credit bureausasking them to remove this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I hope you will make an effort to finally delete the following items. Thank you. 
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 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has placed my credit report in their special handling department. I would assume that because I am a victim of identity theft they placed it there. I have sent FTC & Police Reports to XXXX XXXX, XXXX, and Experian. All three major companies fail to comply with the FCRA. The FCRA 605B states that upon receiving FTC or Police reports they are required to block the fraudulent trade lines within 5 days. They are disputing the trade lines over again 30 days wait and are not concerned about the FCRA. I am in the process of getting legal help before I do I wanted this last attempt to be documented with CFPB so that it looks excellent for my case.
Product: Consumer Loan

XXXX XXXX XXXX XXXX Ally bank is a blatant liar. The letter she submitted dated " XXXX XXXX, XXXX '' is a complete fabrication, it was created in the same time frame as her letter dated " XXXX XXXX, XXXX ''. I have attached the actual correspondence that I received from Ally dated " XXXX XXXX, XXXX. ' This document can easily be validated by the barcoding, XXXX XXXX left that off the " suddenly discovered '' letter she back dated. 
If you read the real letter from XXXX XXXX of last year, it 's obvious that no further communication is needed or expected. The XXXX letters she submitted as my " final resolution '' of my complaint are an amateurish cut and paste job.
Product: Credit reporting, credit repair services, or other personal consumer reports

After my car was totaled XXXX insurance as well as my GAP protection paid off the remaining balance of the auto loan, yet the XXXX XXXX continues to ignore their duty and remove the negative error from my credit reports.
Product: Debt collection

I had XXXX XXXX, I was going to going to get a upgrade. They came back within 24 hrs and took everything back because it interfered with my pacemaker. The XXXX XXXX XXXX worker called and canceled everything while he was here.Then we called back again a few days later. However our billed was not canceled and was combined somehow, and continued on to bill us even though we had paid XXXX XXXX and had no equipment at all. We were told it was a error by a XXXX XXXX XXXX employee and was corrected. 
Then told it was a computer error and corrected. Over and over again I have requested a detail bill of what they are charging me far during that time and I get nothing.I had my tv service with XXXX XXXX and they were paid in full. Now they have destroyed my credit over a bill I dont owe. It has caused me and my husband great hardship. 
They even tried to give me a refund a few months ago.
Product: Money transfer, virtual currency, or money service

I made a transfer of USD {$10000.00} to a client XXXX XXXX in XXXX XXXX on XX/XX/year> and this amount has not been received by the recepient to date. I have attempted to called the bank so many times since XX/XX/year> to get feedback on what happened to the transfer. I asked the bank to for a recall so the funds can be sent back to our account but the bank can not provide information on what is happening. 

All the reps I call to tell me they have not received a response from the correspondent bank for over six weeks now. My frustration is I have to call the bank every week and spend over 1hr on the phone to be told the same response ( no response from the corresponse ) and nothing else.

I feell the bank has not done anything to protect there client and the funds to be recovered. 

I have a reference number ( XXXX XXXXXXXX ) with the bank on the case but this has not helped me much either.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following accounts have violated my rights : XXXX XXXX XXXX  Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX XXXX Account # 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 without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

A Car dealer scammed a car in my name that I had no idea about. It shows on my report that It is a XXXX XXXX XXXX  and that I owe over XXXX $! This debt is completely false and needs to be removed. I will be writing a complaint to the Consumer finance Protection Bureau. I just want this false debt off my report thank you.
Product: Credit reporting 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. 

Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries. 

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 without 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 Any other adverse item 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 inaccurate.
Product: Bank account or service

I wrote a check from my Chase Bank account to a XXXX customer. The check was deposited into XXXX checking account ; it was cleared and the image was posted on my Chase account. However, the payee reported that the check in her XXXX account was reversed with a fee, after it had been credited. Who has the money? The money was already drawn from my Chase account by XXXX. How can I trace this money?
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. 
Account name : XXXX XXXX XXXX has violated my rights. 
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 without 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 Any other adverse item 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 i believe Information is inaccurate
Product: Prepaid card

Someone hacked my cashapp acct, deleted my cash tag, phone and email They then spent the money I had ( {$340.00} ) they then borrowed thru cashapp {$530.00} .this was all spent on some gaming app called XXXX. I immediately contacted cashapp thru the website via chat and they said the would refer this to the loan department and disconnected. I then contacted cashapp via a XXXX number and he manages to get me access back to my acct and I have to dispute every single charge only to be told it could take up to 45 days to get a response and that Id be hearing from someone via email about the borrowed amount. My issue is that cashapp KNEW that these transactions and my info changing was suspicious because they sent me a text at the time this was happening XXXX XXXX XXXX XXXX XXXX asking me to verify its actual me making these changes and of course I never verified cause I was asleep and cashapp let this person hack into my account and steal my money and borrow money under my name ( almost {$1000.00} ) that I am now responsible for and also left broke!!!! This is just XXXX, why contact me to verify its me if youre going to let this person have access to my account anyway and now they want me to wait weeks for just a response and Im left with {$2.00}!!!! 
Ive had similar issues with cashapp, charges I didnt makemerchandise I ordered and received!!!!! Please help me!!!!!!
Product: Debt collection

After reviewing my credit report, I noticed that I have several inaccurate accounts listed on my credit report. The company Transworld systems is showing up as a collection company that I have never had a account with. the amount they are saying that i owe is {$330.00} This account is listed on XXXX, XXXX and XXXX. I would like to have this inaccurate information removed from my credit reports. The date that is showing is XX/XX/year> for transunion XXXX and experian.
Product: Credit reporting or other personal consumer reports

I am not associated with the listed creditors and these inquiries are unfamiliar to me.
Product: Credit reporting or other personal consumer reports

I have sent a letter in XX/XX/2024, XX/XX/2024, and XX/XX/2024 and each time I requested verifiable documents that state my signature from XXXX and Experian proving that I owe {$790.00} and I don't have any communication from XXXX. 

XXXX or Credit Reporting Company is unable to provide any documentation what so ever that proves I owe this. A few years ago I fought this and it was removed and now it was added back on and I am trying to get to the bottom of this incorrect information once again.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is this account on my XXXX, XXXX  and XXXX credit files that I do not recognize, the account is showing that it was discharged in bankruptcy but the problem is that I never had an account with this company called XXXX/XXXX, there is no phone number being reported and it says that the account was opened in 2014. I have disputed this account with XXXX, XXXX and XXXX and for some reason they told me that the account was verified as accurate. I know this cant be right because like I said I never had an account with this company. I asked XXXX, XXXX and XXXX  for the original contract that has my signature on it that proves that I opened this account since they are claiming that the account was opened by me, and they cant seem to provide me with anything. By law the credit bureaus have to report the information on a credit file 100 % correct without any errors or mistakes.
Product: Checking or savings account

RE : Capital One Bank I sent two letters to Capital One asking that 4 accounts be closed, 2 checking and 2 savings. The last such letter was directed to the CEO ( attached ) and dated XX/XX/2020. To date, the accounts are still open. 

The accounts are at a XXXX balance. I tried calling the XXXX number and it takes to long to get through to a live operator, there is no option to close or send request through their web site.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the correction of inaccurate personal information appearing on my credit report. Upon reviewing my report, I identified several discrepancies regarding my address. These inaccuracies are not associated with me and must be removed to ensure the accuracy and integrity of my credit profile. To ensure my credit report reflects accurate and up-to-date information, I request that my personal information be updated as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, CA XXXX Social Security Number : XXXX Date of Birth : XX/XX/year> To support my request, I have included the following documentation : A copy of my government-issued ID confirming my legal name and date of birth.

A recent utility bill to verify my current address.

A copy of my Social Security card to confirm my SSN.

This correspondence serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I respectfully request that your agency : 1.Conduct a thorough investigation to identify and remove any inaccurate personal information from my credit report.

2.Update my credit profile to reflect the correct information as listed above.

3.Provide me with a written confirmation once the corrections have been made, along with an updated copy of my credit report. 

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

My name is XXXX XXXX. I am a victim of identity theft. My consumer report is not in compliance with the Fair Credit Reporting Act 15 USC 1681.
Product: Credit card or prepaid card

In XX/XX/2020 I decided to end my business with Self lender inc due to the pandemic. I requested a refund of deposit money which should have been XXXX instead self payed out only XXXX in total. The following month they took XXXX from my account which I had to get my bank to do a stop payment that cost me XXXX dollars. I contact the company about the matter and they assured me the account was indeed closed and it wouldnt happen again and my money would be on the way. Well we are now in XXXX and no money has reached me and no one from the company has tried to help solve this problem and return my money which my family could use right now due to my husband being unemployed because of the pandemic. This company also continues to report the card as opened and over the credit limit which is ruining my credit!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made on time payments every month on this account. On XX/XX/2022 I paid the full balance of {$6100.00} which would zero out my account. This company has not been reporting my payments from XX/XX/2022. 

I called them on XX/XX/2022 and was told that they report after 45 days and to contact the bureaus. It has been 4 months since the last update which was in XXXX. 

I have filed disputes through all the credit bureaus and I am waiting for a resolution. 
This has been happening to everyone else as well.
Product: Student loan

I have had a student loan for a number of years, in the last few years I have had to take care of my child on my own and am homeless, living with family. As of XXXX XXXX, I have been laid off from my job. I have tried to request deferments from Navient and have either not been answered ( the case with the last XXXX applications ) or they tell me ok you can have it only to send me a massive bill the next month. They now tell me that my minimum payment is over {$800.00}, and that I owe over {$20000.00} and I never borrowed more than {$12000.00}. I never had these problems when XXXX XXXX had my account. I am not trying to get out of paying my debt, I simply need help at this time. I attended XXXX XXXX College as well as the University XXXX XXXX Florida
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB + TransUnion, According to my XX/XX/28 credit report there are inaccurate items I would like corrected- attached to this complaint are : - my drivers license - my social security card - my address- my written complaint - my credit report
Product: Credit reporting or other personal consumer reports

Ive been in communications with Equifax about inaccurate personal information on my credit report. Even after notifying them many times about this error, they still continue to report this incorrect personal information on my file. Not only is it unfair, its also illegal. By law 15 U.S. Code 1681 ( b ) it clearly states that your reporting agency must follow these Reasonable procedures : require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance. This whole thing is unfair. This has been stopping me from being able to move forward in my life because of this inaccurate information being reported on my credit report. I have told Equifax many times I do not consent to the inaccurate personal information listed below to be reported on my consumer report. This in clear violation of 15 U.S. Code 1681 & 15 U.S. Code 1681c2 My only name is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  My only date of birth is : XX/XX/year> My only employer is : XXXX You are required to do what I am asking and block the following personal information from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 

Thank You XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am sure you are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so.

It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a crystal clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violation of its provisions. 

XXXX XXXX XXXX XXXX
Product: Credit card

I noticed a late payment logged against my credit report. I contacted the credit card company and requested the statement for that month. On the statement it shows that payment was made on time. I disputed the late payment with the credit reporting agency for 3 rounds. On the 3 round of disputes I provided a copy of the statement which shows that the payment was made on time and it shouldn't be marked as a late payment. I also requested proof of the investigation to show that they contacted the credit card company and it was verified by the bank. I received a letter by the credit bureau marked as verified without providing proof of investigation. The credit bureau ignored the evidence ( bank statement that shows payment was made on time. Even though proof was provided, the credit bureau continues to fail to investigate the matter accurately.
Product: Debt collection

Sent letter to company on XX/XX/year> advising that they are not legally licensed to collect in the state of Florida and to remove the debt from the credit bureaus immediately. Customer ignored letter.
Product: Mortgage

I have tried to rectify an issue with Freedom Mortgage on several occasions. I am XXXX XXXX military and frequently travel outside of the US in completion of my duties. I am often difficult to get in contact with and often have a delayed response to inquiries. On XXXX19 I called Freedom Mortgage in response to a letter I received to ensure my account was up to date and there were no issues. During the XXXX19 call I initiated I asked if 1 ) my account was current 2 ) did I owe any monies ( fees, late charges, etc. ) 3 ) why there was an increase to my payment and what was the new payment. The individual on the phone was very helpful, albeit a bit rushed, and assured me there were no issue with my account. They relayed to me that : 1 ) My account was current.

2 ) The difference in the new and old payment amounted to {$46.00}, there were no late fees or additional charges because it fell below the {$50.00} threshold and since I am XXXX XXXX military there would be no further assessed fees. I would also pay the {$46.00} in addition to my scheduled payment in my XXXX19 payment. The individual assured me that was fine. 
3 ) They could not provide an explanation of the approximately {$13.00} per month increase, but they assured me it was common and a minor amount that would fluctuate. I thought this strange and asked them to ensure this was not an ARM loan. They stated it was not and the new payment would be {$1400.00}. I informed him I would make the changes to my direct deposit and that it will take effect on the very next payment of XXXX19. Again, they stated that was fine and there was not a problem. 

Unfortunately, there did appear to be a problem. I was informed through a credit monitoring account there was an issue with my credit rating due to this matter. I immediately called the customer service line and was told, although there were no additional fees and the lapse between old and new payments was under the {$50.00} threshold, I was 'turned in ' and would have to write you in order to rectify the matter. I am hoping this will clear up any misunderstanding and that Freedom Mortgage will make the necessary corrections with the Credit Bureau. Please let me know if there is any additional information I can provide. Thanks.