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

I had an account with Commerce Bank. I decided to change automatic payments from that account to a different account at a different bank. Due to timing the payments hit the Commerce Bank account when it had no funds in it. I had already set up the outside accounts to be paid to the new account but again, timing didn't work out. Instead of returning the payments, Commerce forced the payments through. What is strange is that they had returned them at one point and then when the company tried again, Commerce forced it through. 

When opening the account, I opted out of any overdraft protection the bank offered so those charged should not have been honored and returned by the bank. 

Since the payments were forced through by Commerce Bank and my outside company account was paid, I offered to pay the amount the account had gone overdrawn as a result. I refuse to pay for the fees because the payments should not have been forced through by Commerce Bank. 

I have intermittently tried over the last 4+ years to talk to a branch manager to waive the fees so I could pay the outstanding balance. I have been denied every time. 

I tried again today and was told the fees can't be waived now because it's been too long. I was also fed a line about the payments being a different kind of ACH so that's why they got forced through. I happen to know that is not true and do not appreciate the lie. 

I will gladly pay the outstanding balance but will not pay the fees. Their error has cost me the ability to open accounts at other banks. Fortunately, I opened one before this issue hit XXXX so I have a functioning account but this shouldn't stop me from being the responsible consumer I am. 

The amount I believe I should be liable for is {$83.00}. I would need Commerce to verify that though.
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 

LIST OF ACCOUNTS BEING CHALLENGED ; 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

I was contacted by XXXX mail on XX/XX/XXXX stating " There 's still time let 's talk then I also received a phone call from the manager named XXXX on XX/XX/XXXX asking me to come into the office. As I told him I lost everything in the wildfires here in Tennessee in XX/XX/XXXX, then my father ( XXXX XXXX ) XXXX XXXX in XX/XX/XXXX, and my mother ( XXXX XXXX ) XXXX XXXX in XX/XX/XXXX ( three months XX/XX/2017 apart with no life insurance ) and told him that I also had to pay my part back to the relatives for their funeral and I still have to get a head stone for both of them, he proceeded to tell me that those things can wait. Now suffering from XXXX I have quite a few doctors appointments but I did get by the office within that following week. XXXX XXXX XXXX is now trying to state that they could not offer my mother life insurance because of her age but in the document we both paid in life insurance on the loan. If they could not give my mother life insurance then that would be discrimination. The loan is also secured with my mothers vehicle and I have noticed on my credit reports they have it listed unsecured and secured when they keep reporting and destroying my credit ( that I am trying to repair ). When I walked into the office here in XXXX, TN XXXX seen me and all she told me was " it left her office this morning ''. They kept a copy of my mothers ( XXXX XXXX ) XXXX certificate and the office it supposedly went to the gentlemen could not pull it up on the internet so I did not have a phone number or address although it has an Indiana address on my credit reports. The address is XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX with a phone number XXXX. I 'm XXXX and on a fixed income and this company does not seem to be doing business properly. I have included my mothers XXXX certificate ( which she is the co-applicant insured and had her vehicle as collateral. I also highlighted the area of this contract where we paid insurance on this loan with both of our signatures. The account number on this XXXX XXXX loan is XXXX. Can you please investigate this loan and this company because they keep on reporting to all three credit bureaus as much as possible it seems only to hurt me and my financial future. If you need anything further than what I provide please let me know. Thank you very much in advance. XXXX XXXX. Also can you please have them stop reporting also until this investigation is resolved?
Product: Mortgage

I filed a remodification back in XX/XX/XXXX with XXXX XXXX XXXX my payment was $XXXX, everything from principal,interest and escrow was rolled back into the loan.I paid 5 payments of this amount.  Then XXXX XXXX XXXX sold my loan to Fay Servicing based out of XXXX  Illinois, I paid 3 payments to them, on XX/XX/XXXX they raised my payment upto $XXXX,they it was because my escrow account was behind. I can understand a few dollars behind they raised my payment $XXXX a month.  So I asked for proof took them forever to give it to me, but still made no since how I could be behind . I tried to do a remodification with Fay Servicing, I sent the remodification pack to one case manger,they then assign to a new case manger he couldn't find my papers,so I had to sent it again. This happen 4 times, I hired The XXXX XXXX XXXX, they were helping,but it didn't work out with them. My Foreclosure date was XX/XX/XXXX I did get a email from a case manger from Fay Servicing saying they finally got all the paper 2 weeks before that and Foreclosed anyway.  I hired XXXX XXXX, he help me stay in the house until XX/XX/XXXX, that when Fay servicing lawyer, XXXX had all of my stuff put on the street. I filed Civil suit but XXXX bullied into dropping it or they would sue me for $XXXX   in back rent. So I drop,then I found out about this law suit against Fay Servicing. My lawyer said I cant sue them twice, Fay Servicing fraudulenly stole my house. The last case manger I had was XXXX XXXX,he said he had everything he need to review my case, but as to know surprise,when I called for him,they said he no longer work here
Product: Vehicle loan or lease

Chrysler Capital refused to provide title once vehicle was paid in full. They said South Dakota has electronic titles only but did not provide instructions on how to access.
Product: Vehicle loan or lease

I received a denial for an auto loan on XX/XX/. This Notice of our Decision Letter states it was based on my XXXX Credit Report. Regardless of the reason for being denied I have the right to credit. Withholding my access to securities is securities fraud. This corporation USAA and XXXX are violating the Equal Credit Opportunity Act and Consumer Credit Protection Act. Title 15 USC 1691a states it is unlawful for any creditor to discriminate against any applicant. The Truth and Lending Act protects consumers from inaccurate and unfair credit and billing practices. Reporting to a consumer agency is voluntary according to the CFPB. In fact denial of my right to credit caused me distress. There are no federal laws stating a credit score can deny my right to extended credit. 

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

I previously disputed these inaccurate accounts below and transunion to be specific keep sending me and my wife computer generated stall letters which i will attach basically stating they will not investigate my disputes because they assume i didn't authorize these disputes which is false and preventing housing and job opportunities for me and my family which is damaging on so many levels which is negligent and noncompliance with the Fair Credit Reporting Act ( FCRA ). 
Under 15 U.S. code 1681 ( e ) ( b ) and U.S code 1681 ( i ) these accounts are in violation and not reporting 100 percent accurate. 

Accounts Being Disputed : 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 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 or other personal consumer reports

The following companies made multiple inquires for my Transition credit report without my consent for knowledge while I was hospitalized. Please see the following companies and dates listed below. 

XXXX XXXX XXXX- Auto Financing XX/XX/XXXX XXXX XXXX  - Auto Financing XX/XX/XXXX XXXX XXXX XXXX - Mortage Reporters XX/XX/XXXXXXXX XXXX XXXX Mortage - Companies XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

I am currently going through a bankruptcy. Freedom Mortgage has revoked my ability to pay my mortgage online, making my financial hardship worse during my time of need. As a veteran this is disgusting. They received my payment online and are not doing anything with it. My mortgage payment will be late while they attempt to collect late fees on a payment they already received and just won't acknowledge. They lied to me and said that the law is my lawyer has to contact their customer service department. That is an internal company policy and not a law.
Product: Credit reporting or other personal consumer reports

Today on XX/XX/2024 I checked my credit and sawfradulent accounts opened in my name. Please remove these accounts from my report. I neved applied for these accounts nor I used ny of these services listed below : 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: Debt collection

I 've received a call from Sunrise Credit Services that I owe XXXX XXXX XXXX something dollars from a XXXX Credit Card that 's financed by XXXX Bank. I called XXXX Bank and told them that I did not have and never applied for a credit card from XXXX. I never received any billing statement regarding the charges on the alleged XXXX credit card. I requested proof of this alleged credit card debt but they said all information have been forwarded to Sunrise Credit Services and that I should contact this credit service. I called Sunrise Credit Services and spoke to XXXX XXXX and requested for the proof of the alleged credit card debt. She said she will send it through mail and should reach me within one week. Two weeks passed and I did not receive any. I followed up and was able to spoke to an associate of XXXX and again requested the information of the alleged credit card debt again. The lady said XXXX never put a note/request from XXXX Bank to send the proof of debt to me. The lady said she will put a request from XXXX Bank before she could send the proof of alleged credit card debt to be sent to me. I told the lady that the XXXX Bank said all information regarding the alleged credit card debt is now in their hand that 's why I was told to contact them. The lady said she still need to request XXXX Bank before she could send the information to me. I asked how long it will take before I receive the information and the lady said she can not give me a time frame for it. I told the lady that I am filing a complaint against them for harassing me for a debt that I do not owe. The lady then tried to refer me to XXXX XXXX Account XXXX which, when I asked, is also under XXXX Bank. I told the lady that I do n't think I will get a fair treatment from this organization since they are also under XXXX Bank. I told the lady that I am filing a complaint against them before the Consumer Financial Protection Bureau instead.
Product: Debt collection

The manager named XXXX has repeatedly shared my account information with a party not on this acct. I have asked XXXX times to stop this. I have reported this to his manager as well as another location manager. I was refused contact with corporate or owner to resolve. The info he shared included threatening repossession to the XXXX XXXX if they didnt pay my acct. I requested that this person XXXX be denied any access to my personal info as well as any further action on his part for my acct and this was refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN accordance with the fair credit reporting act ( XXXX XXXX XXXX  account # XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A section 2 : Also states a consumer reporting agency can not furnish An account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I wish to exercise my rights to safeguard the privacy and security of my personal information and to restrict its sharing with third parties, particularly for marketing or other purposes not directly related to the financial services I have with your institution.

As a federally Protected Consumer, I hereby formally opt out of any and all authorizations.

Whether written, unwritten, verbal, or non-verbal, that I may have previously given to your institution for the sharing of my non public, personal information with non-affiliated third parties including the consumer reporting agencies for any purpose.

I am writing to inform you of my decision to exercise my rights under the provisions of 15 USC 6802 of the GRAMM-leach Bliley Act ( GLBA ) regarding the sharing of my nonpublic personal information OTHER COMPLAINTS XXXX XXXX XXXX DOCUMENTS ARE ATTACHED BELOW
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am submitting this complaint in my capacity as an informed consumer, deeply concerned with XXXX 's flagrant disregard for the Fair Credit Reporting Act ( FCRA ) and the rights it guarantees. Despite multiple attempts to rectify a fraudulent account on my credit report, XXXX has persistently failed to adhere to both procedural and substantive requirements of the FCRA. 

The account in question, which does not belong to me, has been unlawfully retained on my credit report for over seven yearswell beyond the permissible reporting period as specified under FCRA 623 ( a ) ( 5 ) ( A ). My repeated requests for XXXX to provide the method of verification, or alternatively, to delete the account, have been ignored. This is a clear violation of the duties imposed on them under the FCRA. 

Furthermore, XXXX has also failed to comply with FCRA 623 ( a ) ( 7 ), which mandates that consumers must be notified when negative information is reported. At no point have I received any such notice regarding this account. Despite my dispute, XXXX continues to assert that the account is verified, without conducting the requisite thorough investigation into my claim. This, too, is a violation of their obligations under the FCRA. 

In summary, XXXX has committed the following violations : 1. Failure to provide the required notice when reporting negative information.

2. Reporting and retaining inaccurate information on my credit report beyond the permissible period.

3. Failure to conduct a proper investigation into my dispute as mandated by the FCRA. 

These actions are not just negligent ; they are willful violations of federal law, entitling me to statutory damages of {$1000.00} per violation, in addition to any actual damages incurred. 

I request immediate and decisive intervention from the CFPB to compel XXXX to delete this fraudulent account from my credit report and to confirm this action has been taken. Given the clear violations and the harm caused, this matter warrants prompt and serious attention from your office to ensure full compliance with the FCRA and to safeguard my rights as a consumer. 

Thank you for your swift attention to this urgent matter.
Product: Debt collection

On  XXXX   XXXX ,   XXXX   017 I  mailed dispute letters along with documents of proof to all  XXXX  credit bureaus,  XXXX ,  XXXX , and  XXXX  regarding  XXXX  collection accounts from Columbia Collections that did not belong to me. On  XXXX   XXXX     2017, I re ceived a letter from  XXXX  ( via mail ) and  XXXX  ( via email/online ) that they resulted in having  XXXX  of  XXXX  collection accounts removed from my credit report. Now mind you, these  XXXX  collection accounts belong to the same person  (    XXXX   ) and the actual person entitled to pay all  XXXX  debts is the same as well and only  XXXX  of the lesser debts were removed. I 've provided legal documents for my dispute, stating I am not entitled to any of these debts because the minor was not in my care at the time.     I 've contacted the collection agency , Columbia Collections , and they stated that I am entitled to pay by law ( If that 's the case why were  XXXX  of the  XXXX  accounts closed ), that they did n't know why the credit bureau is stating  XXXX  of the  XXXX  accounts are closed because it 's showing on their end that I still have all  XXXX  accounts still open and we would have to talk to a lawyer ( but I have a court order stating I am not entitled to pay those debts ). Therefore, the results is that they will not rid my information from any of the collection accounts.     So then I contacted   XXXX   regarding my conversation wit h Columbia collec tions and they stated that the collection company did indeed inform them they delete  XXXX  collection accounts and the  XXXX  one, they were claiming was " accurate ''. I even spoke with a   XXXX   supervisor and he said the same thing and they can not remove anything off of my credit file if the collection agency is claiming they have " accurate '' information and that I would have to deal with the collection agency and get a letter from them stating the  XXXX  collection account is deleted so they can remove it from my credit file or file a complaint with Consumer Financial Protection Bureau.     All in all, My social security was fraudulently and illegally used in the first place by someone who is not entitled to, and Now  XXXX   XXXX  will not remove my information from these debts or the  XXXX  debt and is illegally attaching my name to something I am not legally entitled to pay for.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately as far late payments The consumer reporting agencies need to report all Information with complete accuracy. this account has not been late on payments I'm now requesting you investigate this account and update these payments and account to be deleted and removed Immediately. Thank you for your understanding and prompt action. 

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

1 ) In accordance with the Fair Credit Reporting act, XXXX Account # XXXX 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 an account without my written instructions. 2 ) In accordance with the Fair Credit Reporting act Convergent Account, XXXX XXXX XXXX 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 an account without my written instructions.

3 ) In accordance with the Fair Credit Reporting act XXXX Account, # XXXX 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.

4 ) In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX has violated my rights. 15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

U.S.C. 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>