23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I did receive notification of debt, however, I was not given my full XXXX days to dispute. I called the day I received the validation letter XXXX/XXXX/15. I asked what this was for as I had never received anything other then this letter, they said a XXXX item could n't tell me what it was for. I advised them I would contact my insurance company and said if this is a sling I will dispute the charges. I contacted ins. They tried to reach out to the original client about what the item was because they themselves had denied the claim but she did n't know why either. They were unable to reach out to the due to the fact that they were closed. I called the next day and advised Aargon on XXXX/XXXX/15 and spoke with an XXXX or XXXX ( ca n't remember the name ) and advised them that I was disputing the debt. Verbally, I said this has no effected the credit report and he said no but I needed send in writing I dispute the debt and I only have a week in a half to do so implying to me that it would effect my credit. According to the FDCPA I have a XXXX day validation period to dispute the debt from the day I receive the validation notice not when they get the account in their office. According to the FDCPA the collection agency can not make the consumer think the XXXX Validation Period does n't exist, and the debt collector nor the agency can overshadow the validation period. I had called the day prior stating that I just got the letter. On this day I also asked for an itemization to further explain what the charge was for. On XXXX/XXXX/15 I received an " itemization letter '' stating nothing more then what I was told on the phone " XXXX ''. On that same day I called back and spoke with a XXXX who told me that is all they show. In the conversation he stated well you just said that you were told something different on the phone then in the letter and I advised him no I said I was told the exact same thing which did n't tell me anything on the phone and seeing the same thing in writing does n't tell me anything different. He basically told me I was a liar when he just misheard what I said. That is harassment according to the FDCPA. 
I had n't spoken with this agency again until XXXX/XXXX/15 to get the names of the individuals and spoke with XXXX who then trans me to the Operations Manager XXXX XXXX I asked him for the names of the individuals I had spoken with he refused to give them to me stating it is proprietary information and he only collects information. Advised him that FDCPA had been broken I was going to file a complaint he advised me I could sent that to him in writing but still refused to give me any information I asked to speak with his supervisor and he said that would be the owner and gave me his name.
Product: Debt collection

The accounts in question are : Account Number : XXXX Amount : {$1300.00} Creditor : XXXXl ( Name not disclosed ) Account Number : XXXX Amount : {$1400.00} Creditor : XXXXXXXX ( name not disclosed ) Account Number : XXXX Amount : {$290.00} creditor : XXXX XXXX XXXX Date Open XXXX  Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681a ( b ), I am entitled to a fair and accurate credit report. I did not authorize or provide written consent for these accounts to be reported on my credit file. As such, I am disputing these entries under the following legal grounds : Inaccurate Information : The accounts listed do not pertain to me and should not be reflected in my credit report. Under 15 U.S.C. 1681i, you are required to investigate and correct any inaccuracies.

Identity Theft : The presence of these accounts on my report may be a result of identity theft or other improper use of my personal information. Under 15 U.S.C. 1681c-2, you are obligated to take appropriate action to ensure that my credit report is not misused.

Please conduct a thorough investigation into these accounts and remove them from my credit report. Enclosed with this letter, I have included copies of relevant documents supporting my claim of unauthorized use of my personal information.
Product: Checking or savings account

On Saturday XXXX, XXXX at XXXX XXXX at XXXX XXXX XXXX XXXX XXXX UT XXXX, I deposited XXXX XXXX Dollars cash in the ATM machine. When I made the deposit the machine gave me a receipt saying your transaction has been declined and never I credited the money to my account and the ATM machine didn't return it either. They swallowed my money, the bank was closed so I couldn't complain to anyone, I called the XXXX number on the receipt, they helped me and told me that they were going to open an investigation. And on Monday morning I should call the bank and tell them the situation. 
So I did it, the bank employee said to wait, they told me that they opened the ATM machine and found the XXXX k but they couldn't hear me return it because the case was already open, it's fine, I wait but 5 days have passed and they don't credit the money to my account and I need the money because I have to pay for things, I have called the bank and told them to return the money and they hang up on me or play the music, they are literally stealing my address, this US BANK, so I want to put knowing that I have been scammed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this Complaint in response to the recent investigation. I do not agree with your findings and I am requesting complete accuracy. I am not satisfied that enough was done to truly contact the creditors that are reporting this information on my report and because of this I am now asking you for more information regarding these particular items in question : XXXX  XXXX XXXX Balance Owed : {$610.00} - I would like to confirm the payment history and status of this account. I believe this account is reporting inaccurate information. I was never late on this account because I always make my payments on time. I keep my own payment records and the record you present do not match with what I have. I request a thorough investigation for this account and update for legal and lawful accuracy. Thank you. 

XXXX XXXX XXXX Balance Owed : {$870.00} - I believe this account is reporting inaccurately. I do not believe I was late on the dates this account presents. I keep records of my payments and I always make my payments on time, I was never late. Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. I request an investigation and please update this account for lawful accuracy. 

XXXX XXXX XXXX XXXX Balance Owed : {$3400.00} - Evaluate this reporting by making a revision of the information provided. Charge off account should show a {$0.00} balance so why is it that there is a {$3400.00} balance indicating if it is a charge off account. Please stop this erroneous reporting ASAP. 

XXXX  XXXX XXXX  Reference # : XXXX - I would like you to review the docket number and type of public record because I have a feeling it is violating the Fair Credit Reporting Act. Please remove this public record for violating the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've filed several disputes about my name with Experian, my name is listed as XXXX XXXX XXXX or XXXX XXXX, and I've stated several times that l don't have or ever had a middle name or middle initial, they also have my name as XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, I've sent them my driver 's license, military id, they still refuse to delete the names with the middle initials
Product: Credit card

Hi my name is XXXX XXXX and I recently had my credit card balance decreased without my consent. The decrease has severely impacted my credit. Because the credit card company decided to decrease my credit limit to the actual usage I had on my cards and maxed out my credit limit. This is unfair to the consumer and has ruined my credit score. I have always been responsible with my credit accounts and was never late. I only recently was late once on one of my accounts and that was due to me being hospitalized. It was completely out of my control. I am requesting a goodwill review of my accounts with Citi. One of my accounts I have been a customer since XXXX and have never had any issues. The most recent Ive been a customer since XXXX. Please reconsider restoring my credit limits back to where they were this is impacting me financially in a major way. Citi decrease my credit limits on all 3 of my credit cards without pre-warning me and when I called the bank to resolve the issue. They only restored my original credit limit to one of my cards and left the reduced limit on the other two. This is really impacting my credit score causing undue hardship. The accounts that were impacted are ending with XXXX and XXXX. Citi I am asking for a goodwill consideration to restore my credit card limits back to where they were on these two accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 XXXX reports were ordered from the three major credit reporting agencies. Once again Equifax refuses to provide credit report as they have refused before and will only comply with a formal complaint to CFPB. XXXX and XXXX  have sent the reports without prejudice. Equifax has refused to send my report year after year in violation of federal law.
Product: Mortgage

Our initial complaint # XXXX, asked for a correction dating back as far as XX/XX/11. Thank you XXXX & XXXX for your partial effort. TD Bank finally recognized they made an error. They credited the over {$6000.00} in fees but would not recognize that every fee payment on our history should have gone towards our balance. Thus reducing the balance and interest calculations. They were supposed to send an updated payment history showing the correction and all payments to date. 
We again ask that all " FEE PAYMENTS '' since XX/XX/2011 are correctly applied to the " POST BALANCE '' as of the day they were charged. Thus requiring a recalculation of all since XX/XX/2011. 
This at the 11 % rate should give an accurate final payment so we can put an end to this nightmare.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$320.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$320.00} -This is not my account.
Product: Money transfer, virtual currency, or money service

The extra money charged by merchant and cash app to load and unload funds. If I want to put XXXX on I get charged two maybe 3 times depending on how much is allowed to be taken off and put onthe extra fees to transfer between mobile wallets gets costly like from cashapp to chime or XXXX in order to move money they take a fee depending on the amount Ive lost more money moving money around than I can imagine they alert me fraud and when I try to request the money from where or who it went to they tell me to contact merchant but its should be cash apps job to reverse the funds that I did not authorize to be taken
Product: Debt collection

I am not liable for this debt with Credit Collection Service. They did not provide me with the original contract like I asked.
Product: Vehicle loan or lease

XX/XX/2020 my car payment with Capital One Auto was due. I wrote to XXXX XXXX, CEO to no avail. I called Capital one auto XXXX XXXX. Explained I was in a bad fall due to slipping on milk leaking from an employee s cart and had fractured two XXXX in my XXXX and hurt my XXXX XXXX XXXX. Lawsuit against XXXX in process. The cap one rep asked me to answer questions from a computer and at the end said sorry about that there's nothing they can do. 
I told him I lost my job as I'm a XXXX  and NH has been in shutdown since XXXX. 
He said sorry. 
I have paid 19 payments of {$290.00} every month. 
I asked for lower payments, loan extensions, they just added another {$14.00} late fee even though he said he'd waive it. I just paid it. 
I'm on social security and get s small XXXX pension from a divorce. 

They will not work with me and I'm in a temporary shelter the County put me in due to my age, XXXX and I just got out of the XXXX and was brought to the XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- STUDENT ACCOUNTS 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. U S DEPT OF ED/XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

6. U S DEPT OF ED/XXXXL/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

7. U S DEPT OF ED/XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

8. U S DEPT OF ED/XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit card or prepaid card

US bank charges me interest when I an the balance off every month.there should be no interest charge like when I pay balance off on all other credit cards I ever had or have.they say the pay off balance is different.they are ridiculous
Product: Payday loan, title loan, personal loan, or advance loan

As of XX/XX/XXXXXXXX XXXX XXXX  the company admits in exchanges on the XXXX XXXX XXXX website to being in breach of our original contract and admits to improperly classifying my case as a simple wrongful termination rather than a complex combination of wrongful termination, personal injury, and XXXX harassment that has resulted in two years of ongoing medical treatment and me being unable to work reliably. Despite refusing since XX/XX/XXXXXXXX XXXX  to provide the remaining XXXX they promised to disperse 30 days after the initial XXXX installment in XX/XX/XXXXXXXX XXXX they also refuse to release me from their contract and admit to interfering in other settlement advance companies attempts to create a contract with me by requiring a buyout.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Enclosed are : my drivers license, my social security card, proof of my current address, my Federal Trade Commission Identity Theft Report, and a copy of SECTION 605B of the Fair Credit Reporting Act. I am writing to request that you remove/delete and place an immediate block on the fraudulent information listed below from my credit file within 4 days upon receipt of this correspondence. 
I have recently obtained a copy of my credit file and the information listed below does not relate to any transactions that I have made ; therefore I am requesting that these items be completely removed/deleted and blocked from my credit file. This is not a regular dispute. I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft Please remove and block the following information from my credit report pursuant to section 605B of the Fair Credit Reporting Act within 4 days. I am requesting that the following fraudulent items be deleted and blocked from my credit file. 

Account Name : XXXXXXXX XXXX Account Number : XXXX Balance : {$13000.00} Account Name : XXXXXXXX XXXX Account Number : XXXX Balance : {$28000.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$0.00} Account Name : XXXX XXXX Account Number : XXXX Balance : {$180.00} Account Name : XXXX, XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Balance : {$4400.00} Account Name : XXXX XXXX Account Number : XXXX Balance : {$1100.00} Account Name : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Balance : {$390.00} INQUIRIES : EXPERIAN : 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 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 XXXXXXXX XXXX KINDLY DELETE AND BLOCK ALL NON ACCOUNT HOLDING INQUIRIES AS I DID NOT AUTHORIZE THEM ***
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope this letter finds you well. I am writing to formally request the removal of charged-off accounts from my consumer report maintained by your credit bureau XXXX I believe that these accounts are no longer accurate or valid representations of my credit history and their presence is unfairly impacting my creditworthiness. 

I have recently reviewed my consumer report and identified several charged-off accounts that are being reported. I understand that charged-off accounts indicate a significant past delinquency, but I am requesting their removal based on the following grounds : Outdated Information : The charged-off accounts in question have surpassed the applicable time limits for reporting under the Fair Credit Reporting Act ( FCRA ). As such, their continued presence on my consumer report is in violation of the FCRA guidelines. 

Inaccurate Reporting : I have reason to believe that some of the charged-off accounts may contain inaccuracies, including incorrect balances or erroneous reporting of the delinquency. This misreporting negatively affects my creditworthiness and does not provide an accurate reflection of my credit history. 

I kindly request the following actions be taken : Investigation : Conduct a thorough investigation into the charged-off accounts in question to verify the accuracy and compliance of their reporting. 

Verification : Provide verification of the charged-off accounts, including details such as the account balances, dates of delinquency, and any supporting documentation from the original creditors, if available. 

Removal : Remove the charged-off accounts from my consumer report if it is determined that they are inaccurate, outdated, or in violation of the FCRA guidelines XXXX 

Communication : Keep me informed throughout the investigation and resolution process, providing updates on the status of my request and any actions taken to address the charged-off accounts. 

I understand that the removal of charged-off accounts may impact my credit report and scores. However, I believe that the continued reporting of inaccurate or outdated information unfairly penalizes my creditworthiness. I trust that your credit bureau will handle this matter with the utmost care and in accordance with the applicable laws and regulations. 

I kindly request a written response within XXXX business days to acknowledge the receipt of this letter and outline the steps taken to investigate and address the charged-off accounts. Please include any relevant findings or documentation supporting the actions taken. 

Thank you for your attention to this matter. I look forward to a prompt resolution that ensures the accuracy and integrity of my consumer report. Should you require any further information or documentation from me, please do not hesitate to contact me using the contact details provided above.
Product: Checking or savings account

I am writing to file a complaint again that 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 issues 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 investigation into my account transactions.
Product: Checking or savings account

U.S. BANK FRAUDULENT AND MISLEADING advertising The incompetence from the rep assigned to resolvemy case which is XXXX from XXXX XXXX XXXX, is unable to have common sense. He has no customer service skills. Due to the performance of this individuals gives a bad reputation to the company as the one I am reporting which is misleading other advertising I sign up step-by-step for the bonus promotion Ive been printed out attach is a copy of it. I also called customer service to verify the promotion was putting incorrectly by your system. They couldnt verify. I email your corporate office executive office and catering assigned this rep XXXX, which is incompetent to resolve an issue, he does not listen. I told him step-by-step how I set up the promotion online. The promotion code was added. He claims that he wasnt and he does not listen after a customer takes takes all these steps to make sure that your bank does the job correctly and you dont believe the customer that is a lot about your company, but more important is misleading advertising. While employees responding to this complaints take their time to resolve these issues. Im forwarding these complaints. Are their responses to the board of directors of this company. 
BEFORE I SUBMITTED ANY COMPLAINTS I gave U.S. Bank the choice to fix their issues however because of employees like XXXX is that your company is getting all these complaints so once again Im asking to please resolve this issue ASAP.