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

On XXXX XXXX, XXXX, our bank, XXXX XXXX, charged the regular monthly maintenance fee for our checking account of {$11.00} - being we could not afford to cover that fee at the time and the bank 's policy is to not charge overdraft or negative balance fees for deficits resulting from monthly or annual fees, we left the negative balance of - {$10.00} until we would be financially able to cover it. On XX/XX/XXXX, unknown to us at the time, a {$1.00} XXXX transaction ( which we thought was charged on our " XXXX '' debit card, also with XXXX XXXX ) came through our checking account, our balance became - {$12.00} and the XXXX item was returned the next day. In the process, XXXX XXXX charged a {$37.00} overdraft fee also on XX/XX/XXXX, in direct violation of their policy to not charge overdraft or negative balance fees for transactions under {$5.00}. We left a voicemail regarding this for our banker, XXXX XXXX, who is also the branch manager at the XXXX IL branch where maintain our accounts. We received no response, nor did her voicemail indicate we should contact an alternate contact ; we left 2 further voicemails without a response from XXXX XXXX or anyone at XXXX XXXX until this morning, XX/XX/XXXX. In the meantime, the {$1.00} XXXX transaction was resubmitted on XX/XX/XXXX and was subsequently returned today, along with another {$37.00} overdraft fee assessed against our checking account, again in clear violation of XXXX XXXX 's policy. The voicemail which XXXX XXXX left for us said that she had been in meetings the end of the week of XX/XX/XXXX and then out of the bank until today, the fees were charged being the account was already in negative status and she could not do anything in regards to reversing either of the {$37.00} fees. Our contention is this is a convenient way to bypass their own policy being the deficit was due to their own fee which their policy is to not charge for and take advantage of longtime account holders ; also, her lack of timely response, nor listing of an alternate contact on her voicemail while she was out an extended length of time, nor enlisting a bank associate to address this issue in a timely fashion, is also convenient way to incur fees which should not have been charged. Had the first fee been reversed, we would have covered the - {$12.00} deficit plus at least an additional {$1.00} for if the XXXX transaction was resubmitted in a cash deposit or bank account ( immediate funds ) transfer, and so the account would be no longer negative nor caused the second overdraft. To reiterate, these fees were both charged in cases in violation of their stated policy to not charge overdraft or negative balance fees for transactions under {$5.00}, nor for deficits occurring as a result of a charge of their monthly or annual fees,
Product: Credit reporting, credit repair services, or other personal consumer reports

On Janurary XXXX XXXX I sent letters out to all three credit bureaus about the account XXXX XXXX XXXX that is listed on my report as XXXX $ debt. By law they have 30 days to validate and send correspondences showing and validating this debt. They have sent back no correspondence letters to validate.
Product: Debt collection

DIVERSIFIED ADJ SVC Reported : XXXX. XXXX, 2024 {$1500.00} I am writing to formally request validation of the debt referenced in your recent communication. Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g, I am entitled to request and receive proof of the debt you claim I owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

AFTER SEVERAL ATTEMPTS WITH SUPPORTING DOCUMENTATION ALL 3 CRA 'S MENTIONED HAVE FAILED TO THOROUGHLY INVESTIGATE, PROVIDE PROOF AND/OR REMOVE THESE FRAUDULENT ITEMS FROM CREDIT PROFILE. 

XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX VI Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is illegally being reported on my credit report. On dates, XX/XX/19, XX/XX/19, and XX/XX/19, I formally disputed it directly with EQUIFAX in regards to their illegal reporting, and their response was VERIFIED. 
On date, XX/XX/19, not only did I reach out the company directly with a letter after EQUIFAX supposedly verified the account, in getting this issue resolved. I sent along an affidavit but the address EQUIFAX has listed on my credit file for this company came back UNDELIVERABLE from the United States Postal Service. I presented the documentation to EQUIFAX and they still havent removed the fraudulent account. Therefore, I am now formally disputing directly with you in getting this fraudulent account remove immediately, please!
Product: Debt collection

I have a debt thats been showing on my credit reports for a couple years now. The original account appears to be utility services through XXXX in which I have never had service. I believe this may be a result of an identity theft that I wish to address.
Product: Credit reporting or other personal consumer reports

Dear Equifax : To ensure that your company is reporting account 100 % accurately, I would like to know the procedures used to investigate this inaccurate collection account. Did you even conduct an investigation because it is still not reporting 100 % correctly? 
1. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. 
XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
Its sad that your company would ignore the FTC guidelines in regard to your investigation efforts. I wonder if other consumers are being affected by your lack of investigation. I would like to know to whom you talked with at the collectors office when you started your investigation? Also, please send me their complete address. In addition, please do not send your template letter on how you conduct an investigation. I want details on how you did this. 
30 days should be enough time to get back with me. 
Sincerely, XXXX XXXX
Product: Vehicle loan or lease

I had a leasing car with Honda. My lease terminated in XX/XX/XXXX. Before my lease expired, I returned the leasing car back to Honda on XX/XX/XXXX. I also returned my car plate and car registration card to Virginia DMV to take my name off the car title. 

Then on XX/XX/XXXX, I received tax bill of {$330.00} from Honda Finance asking me to pay for the car property tax for year XXXX. I called Honda Finance. They told me to pay for the tax first and they would request tax refund with Virginia XXXX XXXX. So I paid the {$330.00} tax bill. I was told by Honda Finance that it would take 6 to 8 weeks for XXXX XXXX to process the tax refund. After 8 weeks, I didn't hear anything from Honda. So I followed up with Honda Finance on my tax refund. Then this time they told me it would take 8 to 12 weeks to receive the fund. After 12+ weeks, I still didn't receive the refund. So I called again, a different person told me it can take up to 6 months. So it should be XX/XX/XXXX the latest. 

After 6 months, in XXXX I called Honda Finance again. I told them that it had passed the 6-month timeframe. The person who picked up my call said at this point there was nothing they could do except for waiting. In addition, she asked me to follow up with XXXX XXXX myself ..... 

Then I called XXXX XXXX Finance Department to figure out what was going on with the tax refund. XXXX XXXX told me the reason why the tax refund was held up was that there was missing information for Honda Finance. Honda never provided document to them which showed the exact date when I returned the leasing car so that XXXX XXXX didn't know how to calculate my tax refund amount. So I called Honda again to ask them to submit the missing information. Honda sent insurance cancellation letter on XXXXto the county. I was told by XXXX XXXX in late XXXX that the refund was approved and was about to be mailed out. I called Honda last week to see if the refund check has been mailed. Again this time they told me to just wait. I asked them to follow up with XXXX XXXX and they doesn't seem to really care about it.
Product: Checking or savings account

On XX/XX/XXXX, XXXX closed my bank account without reason. They keep telling me a million times that a letter was sent to me in the mail but I never received such a letter. 
They sent me a cashier 's check after the funds were completely frozen in the account and refusing me several requests to wire transfer or directly transfer the money, so they sent me a cashier 's check in the mail. Now the cashier 's check might be lost and now, XXXX, a Supervisor from Customer Service, told me that I have to go to a branch to settle the matter with the check despite her knowing that I am not in the country and that there are no branches that I can go to in XXXX. Instead of working with me, they are finding great pleasure in causing me great emotional distress and harm.
Product: Debt collection

Contacted me stating i applied for housing at " XXXX XXXX  ''. I do not live there nor have I tried to. I was already in a house of my own in another city. Means were done online only with my personal information. {$210.00}. Police report filed for identity theft. Police report # XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute an inaccurate and illegal report on my credit file concerning a vehicle repossession allegedly initiated by Lendmark Financial Services. This false report is a direct violation of the Fair Credit Reporting Act ( FCRA ), codified at 15 U.S.C. 1681, which governs the accuracy and integrity of information furnished to consumer reporting agencies.

Upon reviewing my credit report, I discovered that Lendmark has reported a repossession that is factually incorrect and without legal basis. This false report has caused significant harm to my credit standing and overall financial well-being.

Pursuant to 15 U.S.C. 1681s-2 ( a ), furnishers of credit information are required to ensure the accuracy of the data they report to credit bureaus. Additionally, under 15 U.S.C. 1681i, when a consumer disputes the accuracy of information, it is the furnishers obligation to investigate the claim and promptly correct or delete any information found to be erroneous.

I demand that Lendmark Financial Services immediately take the following actions to resolve this matter : Delete Inaccurate Information : The false repossession entry must be permanently removed from all credit reporting agencies to which it has been furnished.

Written Confirmation : Provide me with written documentation confirming the removal of the erroneous information.

Compensation for Damages : Due to the harm caused by this illegal reporting, I am seeking punitive damages, as well as compensation for the financial and emotional distress suffered as a result of your actions.

This matter has caused significant damage to my ability to secure credit, housing, and other financial opportunities. Your companys failure to comply with the FCRA constitutes a serious legal violation, and I am prepared to escalate this issue by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and relevant state authorities if my demands are not addressed promptly.

You are required by law to investigate this matter within 30 days of receiving this notice, as stated in 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). Failure to comply will result in further legal action to enforce my rights under the FCRA.

Please direct all future correspondence regarding this dispute to my address listed above. I expect your written response within the required timeframe. 

Sincerely, XXXX XXXX
Product: Consumer Loan

PURCHASED MATTRESS AND WAS NOT TOLD ABOUT PROMOTIONAL PERIOD IT ENDED XX/XX/2017 I OWE {$390.00} ON PURCHASE AND NOW XX/XX/XXXX HAVE BEEN TOLD THAT I OWE AN ADDITIONAL {$300.00} I AM PREPARED TO PAY OFF PURCHASE BUT FEEL I HAVE BEEN DEFRAUDED TO PAY ADDITIONAL MONEY I AM ELDERLY ON A FIXED INCOME XXXX SYNCHRONY BAK
Product: Credit reporting or other personal consumer reports

In order to ensure and obtain a 100 % accurate and verifiable credit report In accordance with the FCRA, I have requested that Experian, XXXX, and XXXX to remove an unverifiable account from my credit report via XXXX mail and online dispute. I have stated that I am not liable for any debt with XXXX XXXX XXXX account : XXXX or XXXX XXXX XXXX XXXX. I have not signed any contract with them whatsoever. 
Moreover, the credit agencies have not provided me with any of the documentation or proof that I've been requesting- via mail or online, yet they are consistently updating my disputes to include XXXX XXXX XXXX XXXX 

In addition to me disputing the account in its entirety, there are several inaccuracies reporting on Experian and XXXX beginning in XX/XX/XXXX and then from XX/XX/XXXX through XX/XX/XXXX. Experian has also mistakenly or falsely labeled my dispute reasons as : '' Invalid date '' However, I am 100 % certain that I submitted each dispute for XXXX XXXX XXXX as : " I do not recognize this account ''. 

The failure of the credit reporting agencies to timely and accurately verify this is account is negatively impacting my credit score and decreasing my chance at being accepted into a first time homebuyers program. I need a resolution as soon as possible. 
Thank you.
Product: Checking or savings account

XXXX XXXX XXXX and XXXX XXXX are both from XXXX, Tx and for the past 3 years, they have been hacking into my XXXX, XXXX  XXXX XXXX, and Wells Fargo account. My real savings is in a secure account that they can not get into so yeah.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute an inaccurate inquiries listed on my credit report. I have carefully reviewed my credit report, and I believe that the following inquiry is erroneous and should be remove. The inquiries in question were not authorized by me, and I have no affiliation or knowledge of the entity that made the inquiry. I hereby request that you initiate an investigation into this matter as per my rights under the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX guidelines.
Product: Checking or savings account

XXXX sent me a notice saying wellsfargo inquriy/ account opened with my ssn i then check it in i never got approved for a wells account and then all of a sudden somebody used my ssn to open one thats not right i call wells they told me they could not tell me anything about it if i dont have a account number / card number i said you should because you let them open it with my ssn that makes it my bessniss i need to see what i can do about it please help me
Product: Credit reporting or other personal consumer reports

I have tried numerous times to reach Equifax by calling them and having them fix whatever issue they are saying that is keeping me from seeing my credit report on their website. However they have blocked me from even being able to pull it from the annual free credit report website. I have sent them the information that they requested. If i pay for the credit report and for the score then I wll be able to see it. Also, I dont understand how it is that they say they cant verify me but when I call in they verify me each time through the phone promts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an inquiry on my report from XXXX XXXX  XXXX XXXX and XXXX XXXX XX/XX/2018. I contacted the company and they had no information and dont know why the inquiry is on my account. I been going back and forth with TRANSUNION. They wont even put in. Dispute or help me with this matter
Product: Credit reporting

Equifax has already had 60 days, lied on their results according to XXXX Bank, XXXX XXXX XXXX, and XXXX XXXX XXXX since those XXXX banks claim that they never reported anything to Equifax due to ongoing investigations yet I have a copy of the letter that I sent to my lawyer who seems interested in why this has happened. All communications to me will cese as my lawyer is now incharge of communications now and for pending legal issues, I am unable to contact further.
Product: Credit reporting or other personal consumer reports

Please know the information on my credit report is not correct. I've listed information as well as inquiries that do not belong to me. I need this fraudulent information removed immediately. Being a victim in the past I am trying my best to ensure my information is reporting accurately. Since I am not being heard with the institutions responsible for reporting accurate, complete and permissible information I am seeking help from a higher source. Please remove urgently.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 XXXXXX/XX/XXXX
Product: Checking or savings account

I opened the account, after reading this account is not with a bank and is a XXXX company that is part of XXXX XXXX, I wanted nothing to do with this account and asked politely and professionally to close my account as I opened it in error. 

I want this account closed.Checking XXXX and XXXX XXXX
Product: Credit reporting

Experian has performed an investigation by adding names instead of admitting their report is inaccurate, the social security administration in 2005, after realizing that they assigned XXXX likewise named individuals with the same social security number redesigned my name, instead what Experian has done, is make me subjected to multiple reporting of items and creditors which are n't mine, to include a host of public records, knowning on the basis of name identification is n't mine, but instead of admitting error, they add the name which does n't even verify to my social security number, and then state they investigated the item, and verified its mine, knowningly that that statement is false, and they have added a name to my credit report to support their statement. This is the eighth time that this error has been corrected, and they continue to perform in the same manner as previously.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2012 there was a Macys card opened under my name which I never authorized. I had been asking Macys to remove this card from my credit report and close the account as it was not me yet they have refused to do so. The account is still showing under my credit report as a charge-off when I never authorized them to open an account in the first place. I would like this account fixed and removed from my credit as it is causing problems and negative remarks under my credit.
Product: Debt collection

Back in XX/XX/XXXX I received a letter and a check from XXXX for {$5.00} stating they 're sorry they made a mistake you ( meaning I ) had overdraft protection ( which is some kind of inssurance. ) and this is what we owe you. Mind you, this negative report has been with me since XX/XX/XXXX. It has also been sold to " XXXX '' a collection agency who 's claiming I owe them the collection agency over XXXX XXXX dollars for that same account. It has put my good name and reputation in a very tough situation. I am a single dad raising XXXX kids alone and a full time student when I call to inform them I 'll be put on hold for too long I would have to return to class, and their hours are from XXXX which is not at all any resonable time for me and my situation. What can I do who can I go to for a little bit of help. I ca n't afford to pay a lawyer.
Product: Credit reporting, credit repair services, or other personal consumer reports

i recently obtain a copy of my credit report and noticed several accounts i did not authorize also i have been a victim of id theft and these companies continue to violate section 15 us 1692 of fdcpa.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXXXXXX Account # XXXX, XXXX Account # 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
Product: Debt collection

Both companies did not reply to my letter stating that I wanted to see proof that this was my account. XXXX responded with no proof and CMRE Finance did not respond at all but verified debt to XXXX. The attached letter were mailed out certified mail in XXXX XXXX