23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/year> Fair Collections & Outsourcing , Inc. XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Cease and Desist Demand for Debt Collection Activity Dear Sir/Madam, I am writing in response to the debt collection efforts associated with the account referenced under XXXX. I dispute the validity of the debt you are attempting to collect and request that you cease all collection activities in connection with this matter. Please be advised of the following : Dispute of Debt : I dispute the validity of this debt in its entirety and request that you provide evidence, including but not limited to, the original contract, signed agreement, and a detailed statement showing the exact amount owed, along with an accounting of any payments made. Cease Collection Efforts : In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request that you cease all collection activity regarding this debt, including any phone calls, letters, or other forms of communication, until you can provide proper verification and validation of the debt. Reporting : Please ensure that any further attempts to report this disputed debt to credit bureaus are halted, and that no adverse credit reporting occurs while this dispute is unresolved. Should you continue to pursue collection activities without providing the requested verification of this debt, I will take appropriate legal steps to protect my rights, including but not limited to filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office. Please respond within 30 days from the date of this letter with the requested documentation or confirm that you will cease collection efforts. If you do not provide sufficient evidence, I will consider this matter resolved and demand that any further collection efforts be immediately stopped. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to agged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds.I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to request unauthorized credit inquiries to be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
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: Debt collection

XXXX XXXX sold the debt of {$1500.00}. that is a violation of the Fair Debt Collections Practices Act. I have no contract with Rozlin Financial Group who bought the debt from XXXX XXXX and have a balance of {$2700.00} showing on my consumer report
Product: Checking or savings account

I need Marcus by GS to call me on XXXX to immediately unlock my account and complete my fund transfer for tuition purpose. 

I have provided all the information they need including : name, date of birth, social security number, phone number which they successfully sent me code and verified me, XXXX form they requested ( I notarized with my information and correctly filled out the whole form - verified by the notary public or else he wont notarize the document with signature and stamp ), my email address, my secret word. All the above information has been verified and matched the record at Marcus by GS. Any other bank I worked with could verify their customer with any combination of the information above. I do not understand what is the issue with my account. They can not figure out what else they need to verify me either. 

Since XX/XX/2023, I have been calling every day to their customer care hotline and have been transferred at least 50 times and spent 10+ hours on the phone either on hold or being told to call back. I have all the calling records. I have everything they asked me to do and there hans't been any solution. Simply calling by again on their customer service hotline makes me start from XXXX as I have to go through the whole process and provide all the information I have provided multiple times without a solid solution and it is been over a month. When I hear them asking me to call back again, I just feel extremely distressful as I need the money for tuition and need help ASAP.

I have all the records on the previous statement Marcus at GS sent me. I also have records on the previous transfer that I can provide. I have all the text message they sent me. They can also ask me for the bank information of external account. Any of these can verify me. The only answer I got from customer care is they can not authenticate and can not tell me why. 

Would really appreciate any immediate support from Marcus by GS on my issue as the delayed payment in tuition can result in potential penalty on my side.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ( XXXX ) assumed my home equity loan from XXXX XXXX XXXX in XX/XX/XXXX. I received no written notification that this had occurred, which from what I have read is required by law at least 15 days prior to my loan being sold. I applied for a new loan with XXXX XXXX in XXXX to pay off this loan after reading the reviews of XXXX. I was to sign the papers for this loan today ( XX/XX/XXXX ). However, I received a phone call from an officer at XXXX XXXX  facilitating my loan today in which he stated XXXX had filed an additional complaint to the credit reporting agencies, today, saying I was 120 days delinquent. I didn't find out until XXXX XXXX XXXX XXXX had sold my loan when I went in and spoke to an officer and was informed by him that that was what happened. I was told by him they had mailed a notification of this to the address I lived at when I took out the loan. I haven't lived there for 12 years and they have all my current address and telephone information because I still bank with them. So is XXXX XXXX XXXX 's incompetence my fault? 

I didn't make payments from XXXX to XXXX because I had no idea where to make a payment. Yes, I should have gone to XXXX XXXX XXXX when that loan disappeared from my accounts. My bad. However, XXXX during that time period made no attempt to contact me and they can't say they couldn't get my current address and phone number from XXXX XXXX XXXX. There are no other companies - mobile phone, power, water, etc ... that wouldn't notify you if you were past due on a bill after a month. This was done deliberately by them, of this I have no doubt, in the hopes they would be able to foreclose on my house. 

As soon as I did contact XXXX I brought my account up to date. They then told me my XXXX payment was for the amount of {$740.00}. My loan was converted to a fixed rate option in XX/XX/XXXX. My payments are {$460.00} per month. By telling me that's what my payment was they committed fraud. A lawyer told me they can't increase my payments and I pay my taxes and insurance myself. As I far as I'm concerned they owe me {$280.00}. And I was told by representative of XXXX that my XXXX payment and all after were going to increase to approximately {$810.00} no explanation as to why. 

I want the 120 day delinquency removed from my credit report because they broke the law by not sending me written notification, to my current address, that they had assumed my loan in XX/XX/XXXX. I want this done so I can secure a new loan with an honest bank in order to pay them off and get out from being under them. I had never missed a payment until they took this over and I wouldn't have if I had known who to whom to make a payment. XXXX is company run by low lifes who profit off other peoples misery ( please read the reviews online, that is if you have a strong stomach ). Hence, the over 600 complaints to the XXXX XXXX XXXX in one year and over 2,000 to the CFPB. XXXX XXXX XXXX should be the poster child for corporate greed in America.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cashapp ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Specifically, Cashapp failed to take timely and effective measures t prevent and address vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulations E. These actions have caused significant inconvenience and financial loss, and and I seek appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I heard about the Equifax Hack. I had purchased a home last year and this company was on the report from my bank. I then by day 's end had gotten on to the Equifax website and went through the steps to determine if I was effected. I found under that I was. I then signed up for the free 1 year term of trustedid.com. 8 days later I was alerted about an inquiry on my credit. I tried contacting Equifax and spent XXXX hours on hold with their consumer affairs department. 3 days later a personal line of credit was taken out in my name in the sum of {$3000.00}. Again I immediately tried contacting Equifax and had spent a total of XXXX hours on the phone with many departments to never actually get to talk to anyone that could help me. I then put a freez on my credit with XXXX and XXXX. Spoke to XXXX they actually told the proper steps to make sure my credit was frozen on their website as well. Equifax and their employees should be erased from the credit world.
Product: Credit reporting, credit repair services, or other personal consumer reports

FRCA Violation loan XXXX XXXX XXXX XXXX XXXX FRCA address and names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent dispute letters to Experian about 2 accounts on my credit report from XXXX XXXX XXXX for which they claimed that I owed {$10000.00} on account number XXXX and {$24000.00} on account number XXXX in XX/XX/XXXX. I challenged the accuracy, compliance and reportability for each of these listings because I am unaware of owing money to this company. 

I also asked to validate the information with XXXX XXXX XXXX, and to provide me with any documentation associated with this account, bearing my signature. In the absence of any documentation bearing my signature, I formally requested that the information be immediately deleted from my credit file for which they maintained under my social security number. 

On XX/XX/XXXX and XX/XX/XXXX I received letters back from Experian stating that the accounts were " Updated '', but I never received any validation with any documentation associated with this account bearing my signature. 

On XX/XX/XXXX I sent a dispute letter to Experian about the two XXXX XXXX XXXX accounts stating that after I retained new copies of my credit reports, I noticed that they did not furnish my credit report with required disclosure under XXXX XXXX XXXX, within the period required by law. They are required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute, which they signed for on XX/XX/XXXX. I have retained a copy of their signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that they violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act, Section 807 ( 8 ) by placing the disclosure within the required 30-day period.

On XX/XX/XXXX I received a letter back from Experian stating that the accounts were " Updated '', but I never received any validation with any documentation associated with this account bearing my signature.

And again with no " notice of dispute '' was ever placed on my account after 30 days.
Product: Debt collection

A deb collector sent a debt that I owe to them to my father in-laws girlfriends number who does not live with me. We have no ties or connections whatsoever. In that text they wrote who was the company that was trying to collect the debt and the amount that is owedalong with my name. I save the screenshot and number of the company. Capital link management is who they call themselves. Very unprofessional.
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}, {$5200.00}, {$1600.00}, {$7700.00}, {$0.00}, {$1600.00}. 
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 ACCOUNTS 1. XXXX XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5200.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my account. 

4. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7700.00} -This is not my account. 

-- PERSONAL ACCOUNT 5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX XXXX, and I appreciate your taking the time to repair some accounts pieces of information in my credit file ; however, there are still other accounts that need to be UPDATED. The XXXX credit bureaus must verify these accounts under Sections 609 XXXX  a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXXXXXX Balance : {$5200.00} ; XXXX XXXXXXXX Balance : {$13000.00}
Product: Debt collection

I have made several disputes with all XXXX credit bureaus asking for proof that I owe the debt. I have provided all XXXX credit bureaus the documentation from gap insurance that confirms the vehicle was paid off due to vehicle being declared a total loss because of an accident on XX/XX/XXXX and that no balance remains however credit bureaus continue to complete my disputes without removing collection account from my report even though I sent proof debt was paid. The collection company has sent to credit bureaus wrong information stating the vehicle was not paid and that vehicle is in repossession status and the account has been charged off and sold to XXXX party debt collector. This is currently preventing me from obtaining a new loan for a vehicle that I desperately need for work. Because the credit bureaus are not honoring the proof I have provided that the debt has been paid off and the account should have never been place on my consumer report. I have also sent collection agency gap settlement letter proving debt is paid and still the collections agency has not removed account from collections. As of XX/XX/XXXX I have spent extra money to hire an attorney to help in this matter. In the meantime I am submitting this complaint against all XXXX bureaus and XXXX XXXX XXXX for wrongly placing a collections account ( XXXX ) I the amount of {$15000.00} on my consumer report even after I made all parties aware consumer report is wrong and debt is paid and should not be in collections or on my report. Please help as my consumer rights for fair credit have been violated. Attached is the gap settlement letter I have provided to all parties. Also attaching letter my attorney sent collections agency
Product: Checking or savings account

On XX/XX/XXXX I received a fraud alert on my telephone regarding my PNC Bank account. XXXX charges had been made to my account by XXXX in the amounts of XXXX, XXXX and XXXX. I called PNC Fraud and spoke with someone who said the problem would be resolved by Tuesday the XXXX. I destroyed my card, that debit card was closed, and on Monday the XXXX I went to the local branch and got a new debit card. This morning, XX/XX/XXXX, I saw that my account had been debited in the amount of XXXX and XXXX. I called PNC Fraud and was told I needed to dispute it, they would do an investigation, and it would take up to ten business days. Meanwhile I do not have access to my funds in the amount of XXXX. This does not seem fair or just to me, and I am wondering if there is a recourse I could navigate to address this? Thank you for your time and effort.
Product: Credit reporting or other personal consumer reports

Account was resolved through litigation and paid in full. Litigation resolved in full. Requested OneMain Financial to update records correctly, OneMain has continued to ignore requests.
Product: Credit card

Credit card Ctii XXXX XXXX. My card was charged 3 times with unauthorized charges on XX/XX/XXXX amount XXXX XXXX, on XX/XX/XXXX, XXXX, XXXX, XXXX contacted Citi with concerns of the unauthorized charges, they canceled card, issued a security credit and a new credit card. When new credit card arrived it was already activated and recharged of the unauthorized charges plus 3 new additional unauthorized charges. That card was replaced with another new card, the new card carries the balance of the 2 replaced cards, I have been disputing with them since XX/XX/XXXX, will be calling again today, I have concerns of new replaced card coming already activated because the cardholder is the one who is suppose to activate the card, so my concerns are the activated card and security credits s being issued but are not issued, I wish to take further actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Agreement the Fair Credit Reporting Act XXXX  with the Accounts : XXXX. XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

By the law under 15 U.S.C 1681 section 602 : states I have a right to privacy & 15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written consent.
Product: Student loan

To Whom It May Concern, On XXXX I discussed payment options with XXXX @ XXXX XXXX, XXXX XXXX and XXXX XXXX Collections. @ XXXX XXXX I discovered that there were no options to have a lower rate on my private ( signature ) loans. I had been laid off since for about two months and had Fed loans in IDR for one set and the other in {$0.00} payment for one year. 

The amount that I owed was {$190.00}. 

I called back on XX/XX/XXXX @ XXXX XXXX XXXX {$190.00} was paid. confirmation # XXXX. 

I received a call from XXXX XXXX XXXX from 30 day collections department who advised that XXXX applied my payment to a fed loan by mistake. 
XXXX @ XXXX XXXX I then spoke with XXXX XXXX from the servicing department who advised she would Reapply the XXXX to the private loans. She advised the correctio will finish XXXX.
Product: Credit card or prepaid card

I was on an XXXX XXXX flight and received a brochure for their credit card. The pilot and flight attendants talked about the card. They said signing up gets you XXXX miles when you make a purchase within 90 days of getting the card. Fast forward to now two months and they are not trying to give me the advertised miles, I even have the brochure for evidence with the flight attendants initials and code used to register. I have reached out three times and they have not got back to me or even tried helping me in any way. I am coming here for some kind of help, because this false advertising could lead to a lawsuit. I will report them to XXXX  if this does not get resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXX - 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. - Agreement with the creditor was satisfied and late payments are still showing on my report. This is Paid as agreed and the derogatory should be removed from my report. As a consumer by law this account must be deleted immediately. 
This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX - 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. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX XXXX XXXX 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. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately
Product: Checking or savings account

On several occasions, TD Bank has debited the largest transactions before the smallest or before crediting deposits. This maximizes the overdraft fees that they charge. This time, I transferred money from XXXX and XXXX using their instant transfer service. The funds showed in my available balance and my debit card purchases were processed without incident. Today, XXXX-21, I was charged an overdraft fee. Looking at my bank statement, I see that, even though the funds showed in my available balance and my transactions were approved, last night, the bank processed my debit card charges before crediting my account with the automatic funds transfers. I called the bank to inquiry and to ask them to reverse the charge. They refused stating that during the weekend, they always process the debits before the credits. I asked to speak to a supervisor and someone identifying himself as " XXXX '' told a different version. He stated that the debit card purchase was actually a subscription purchase so they always let them go through and charge a fee. My transaction history shows this to be false. He stated that the payment went through on the XXXX. My transactions show the XXXX. There was a class action. There were CFPB orders. They settled and went right back to stealing from people. When is someone going to step up and stop this?? It's XXXX and this billion / trillion dollar bank is stealing from single parents and hardworking people.