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

Arvest Bank continues to violate the FDCPA on a routine basis including in my issues with them. 
Under FDCPA is clearly states that while an account is in dispute and being verified that NO collection activity may occur. Making a report to a CRA or third party during this time is and has been considered by the US Courts to be a " collection activity ''.

During the period of verification of a debt or alleged debt or account a credit is restricted from making or taking any collection activity. 
The FDCPA clearly defines the period in which a customer is able to dispute an account or matter and that period in which the creditor is restricted from taking actions. 
I had an agreement which I consider to be legally binding in which these disputed accounts would not be reported to a third party. The very next day of such agreement Arvest made a report. The dispute was still in effect and the debt ( s ) had not been verified at that time- and they still have not been fully and appropriately. 
It is clear that Arvest does not intend to abide by federal law and the CFPB should investigate and take appropriate actions. I was able to easily find hundreds of current and former customers of the bank that have suffered in this respect. Arvest is a BULLY and if and when you disagree with them they seek to destroy the person or business. 
A complaint is being filed with the XXXX and the FDIC as their actions in this and others should warrant restrictions of their banking licenses and abilities. Arvest actions appear to be far worse that that of XXXX XXXX in which many federal and state agencies took appropriate actions. 
Arvest was granted a banking license to serve the public, not to create harm and to willfully disregard federal or state banking laws such as the FCRA and the FDCPA. These are the bedrock of our financial systems and protections for the public against entities such as Arvest.

I was contacted by a lawyer that is currently signing up clients for a class action suit against Arvest in which many of these issues are to be addressed. I would believe it would be better if the CFPB, XXXX and the FDIC took action rather than private party legal counsel to do so as it would result in true changes not simply. financial settlement by Arvest to close the matter as they have done in the past.

The actions of Arvest warrant severe action and penalties. I pray that the CFPB will take such action as soon as possible.
Product: Student loan

On  XXXX   XXXX ,  XXXX  I receive d two snapshots o f my monthly statemen t. One advi sed that I owe {$160.00} by  XXXX / XXXX / XXXX  and the other statement advised that I owe {$0.00}. I called Navient because I continuously receive conflicting information. When I advised that representative that the statements are conflicting and that I was advised  by Navient through the CFPB that I am currently on an IBR with a $  XXXX  monthly payment he then advised that the {$160.00} were late charges. I advised the representati ve that I should not have accrued any late charges becau se Navient mi sapplied a payment back in  XXXX   XXXX  which resulted i n my credit score dro pping  XXXX  points. Navient reported to the credit bureau in error that I did not make a payment in  XXXX   XXXX  and had to research and attempt to fix m y credit score fr om  XXXX   XXXX  through  XXXX   XXXX .  Navient could not fix my credit score so they removed the tradeline and advised that my IBR is $   XXXX   monthly payment. Navient  was charging me a monthly payment and should not have been charging me based on my IBR.
Product: Debt collection

Dates : XX/XX/XXXX, XX/XX/XXXX Amounts : Credit limit {$900.00} Balance {$1200.00} Action being taken by the company is reporting after 7 years which is a clear violation of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the fair credit reporting act XXXX {$100.00}, XXXX {$150.00}, and XXXX XXXX XXXX {$1200.00}. 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 XXXX : it also states a consumer reporting agency can not furnish a account without my written instructions. 
15 U C S 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX, Texas XXXX XX/XX/XXXX XXXX Credit Bureau XXXX XXXX XXXX XXXX Credit Bureau XXXX XXXX XXXX XXXX / XXXX XXXX PA XXXX XX/XX/XXXX RE : Request Investigation of Credit Inquiry on My Behalf Dear Credit Bureau Representative , I recently reviewed a copy of my credit report on XX/XX/XXXX and noticed 3 inquiry 's that were unauthorized, inaccurate, or made in error along with violating the Electronic Communications Privacy Act of XXXX. 
The following inquiries are impermissible : 1. AD ASTRA RECOVERY SERV on XX/XX/XXXX for the amount of {$820.00} 2. XXXX XXXX XXXX XXXX and XX/XX/XXXX for the amount of {$1400.00} Please remove these inquiries from my credit report immediately. 
Should any of these companies claim to have pulled my credit report validly, then it is within my legal rights to ask for verification details : 1. The name and job title of the individual who pulled my credit 2. The date they claim to have received my permission to pull my credit 3. The method they claim that I authorized them to pull my credit 4. The right they have to record me without my consent Please also attach documentation to support the verification of these claims. 
Thank you for your prompt assistance with this matter. 
Sincerely, XXXX XXXX XXXX
Product: Vehicle loan or lease

I received the title in the mail for XXXX XXXX however the company is still garnishing my wages. This means the vehicle was paid off since the summer wht am I still paying for
Product: Mortgage

XXXX XX/XX/2017 I tried to apply for a mortgage with Wells Fargo. Did the application process. The mortgage consultant did not take me seriously. He took weeks to respond, did not answer phone calls or emails, did not keep meeting appointments to discuss application. Complaints made to the manager of the branch. I believe it was due to XXXX. Branch manager spoke to him, he called with 2 days afterwards but I was denied. I was able to get a mortgage through my home builder.
Product: Debt collection

To whom it may concern, In XX/XX/2020, the NJ XXXX toll collection system sent two tolls to the collection company, Professional Account Management. I provided the proof that the infractions were paid that same month via the XXXX payment system. These tolls were in my wifes name. 

On XX/XX/2020, they sent another collection notice to me, in my name, for the exact same toll violations, same number, same date, etc. The fact that I proved they were paid, and then they tried to go after me, who is not even on the account, but lives at the same address, is complete fraud. Never mind the tolls were paid from day 1 and should never been sent to collections. These tolls have been resolved by the original debtor as well. XXXX shows my account in good order with no late payments. 

Attached is the collection letter addressed to my wife, proof of previous payment and the recent collection attempt in my name.
Product: Student loan

I have several loans serviced by XXXX /Navient. I was informed several times that my there are not program to reduce the loan payments. Therefore, I requested several forbearances which increased the loan amount. I missed several payment which were reported on my credit reports.
Product: Bank account or service

There was a total of XXXX accounts that where opened fraudulently through USAA, XXXX XXXX XXXX, XXXX XXXX, TX XXXX. USAA refused to help me with this matter and claimed that I was responsible for the fraud.
Product: Credit reporting or other personal consumer reports

XXXX  VICTIMS LETTER TO DEBT COLLECTOR XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX RE : XXXX  Block Request Dear Sir or Madam, I am writing to inform you that I am a victim of XXXX  XXXX. Due to my involvement in this situation, certain information appearing on my credit report is directly related to actions taken by the XXXX. This letter serves as a formal request to block and remove this information in accordance with Section 605C of the Fair Credit Reporting Act ( FCRA ).

Below is a list of accounts and inquiries that are the result of this trafficking and should be blocked immediately.

Accounts to be Blocked : 1. SELF Request for Immediate Action : Pursuant to Section 605C of the FCRA, please block and remove this information from my credit reports within four business days. Additionally, I request written confirmation of all actions taken in response to this request. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX ( XXXX ) XXXX Enclosures : Proof of identity XXXX  documentation ( from a federal, state, local, or tribal governmental entity )
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXO XXXX XXXX XXXX IN ( Original Creditor : XXXX XXXX XXXX XXXX XXXXL ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX  A ) XXXX XXXX XXXX ( XXXX XXXX : XXXX XXXX ) XXXX XXXX XXXX ( Original XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing this account for over a year and nothing has been resolved. 
PER 17 CFR 248.7 by law, Fair collections & outsourcing and XXXX were suppose to have sent me an opted out letter before putting any information on my consumer report, and they never did .They have been reporting fraudulent information on my consumer report I have sent in police reports and ftc reports and they continue to report illegally to my consumer report. Due to the privacy act of XXXX it is very illegal to obtain my information without notifying me first, I have no knowledge of this account i have no knowledge of who these person are. I have never given this company my information and the way my information was obtain is a privacy act of XXXX concern. Per this federal law 17 CFR 248.7 I am opting out of this company reporting information to my consumer report. I do not want my information in their system due to the privacy act of XXXX. According to 15 USC 1681C-2 They have 4 days by law to remove the information from my consumer report I have sent them an opted out letter last month at this time both companies it is now willful noncompliance 15 USC 1681n .
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get Equifax to fix my account with them direct for 2 years. I Tried again today XXXX, the agents tried with 3 different email address and could not fix the issue.

I change 3 different browser at there request, it did not work. 

THEN THE AGENT ASK ME WHY DO I WANT MY CREDIT REPORT? 

are you kidding me! what are they reporting on my credit report? 

my complaint is please fix my account so I'm able to get a credit report directly from Equifax like the rest of America.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 someone tried to obtain credit with Barclays Bank Delaware, XXXX alert me. I reach out to Barclays Bank Delaware to let them know it wasn't me and represent told me that it will be removed that was XX/XX/2022 inquiry still remain on my credit report. Also the XXXX XXXX is my maiden name, I always apply for credit with my married last name XXXX XXXX, which is my legal last name on my driver license and social security card. Please remove incorrect inquiry that was put on my experian credit report credit that I didn't apply for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I feel that these accounts are adversely affecting my credit report and costing me XXXX  of dollars in interest every year. This is not a regular dispute I have file a complaint with the federal trade commission and the XXXX XXXX XXXX  because to my knowledge I do not recall any these accounts. 
I need this problem fix ASAP. I should not have to wait another 50 days to receive no response because clearly you guys dont appear to care. I demand these accounts are deleted immediately or I will file for ligation due to the stress you caused me. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days give a reason to immediately remove those item from my credit report it has been over 50 days so they should be deleted promptly
Product: Money transfer, virtual currency, or money service

I have concern regarding an Investment company that manage my investments out of XXXXXXXX XXXX under the parent XXXX XXXX XXXX. I requested information on my account, regarding statements of ownership, account balance, and transaction activities on my account thats managed by XXXX XXXX. Upon the directions of certain managing members of TIAA, I am being prevented from any information pertaining my share ownership and managment activities of my account. I was directed to setup an account to identify my profile, or account registration under TIAA, so that I could setup a transfer of ownership of the assets held under the managment of TIAA. Upon checking the status of my Profile Registration of TIAA, I was directed to the XXXX Department where a Temporary Block has been placed on my profile by associate employee XXXX XXXX XXXX XXXX department, when trying to obtain certain information regarding my account and sensitive information I shared with the company, and now I have been blocked from communication with the company XXXX who is said to be in possession of information pertaining to my account in which I have funds held or managed by. I have concern that there XXXX maybe some illegal activities going on with my XXXX account and its management team at XXXX, that I am currently unaware of. Please feel free to contact me by email or phone -phone at XXXX
Product: Credit reporting or other personal consumer reports

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXXXXXX Balance : {$990.00} XXXX XXXX Balance : {$1300.00} XXXX XXXXXXXX Balance : {$760.00} XXXX XX/XX/
Product: Debt collection

United Collection Bureau XXXX XXXX XXXX, XXXX, OH XXXX Calls me regarding a family members debt. I continue to receive calls. I had to call them back and told them to stop. I told them their practice is illegal in XXXX In MN it's illegal to do what they are doing. Calling others and speaking about debt collection with everyone but the actual person. They asked me if I could get in contact with this person. This is not acceptable and they need to be fined.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent multiple letters to XXXX in regards to 4 negative items that are listed on my credit report, and they have completely disregarded any of my letters by stating that the information was verified. I have sent my dispute letters, priority mail express, notarized, certified mail with return receipts, which I have attached along with copies of my request. They keep replying back that they verified these items, but still have yet to provide any evidence or documentation of their investigation. 

First dispute letter sent : XX/XX/XXXX Second dispute letter sent : XX/XX/XXXX Third dispute letter sent : XX/XX/XXXX ( under investigation ) XXXX I have even tried contacting 2 of the collection / credit card companies asking them to validate my debts. XXXX & Wells Fargo both sent me letters back stating they weren't able to complete my request because it didn't have enough information or matched their records. They both asked me to sign and send back their letter with information to verify my identity along with my ( highlighted ) credit reports and social security number. Which I had already did when I first sent my debt validation letters to these companies. Which were notarized by the bank proving my identity to begin with. The first debt validation letters were sent XX/XX/XXXX to Wells Fargo & XX/XX/XXXX to XXXX which I have attached their responses along with delivery signature confirmations for both companies signing. 

I've sent my original letters back on XX/XX/XXXX again with my social security, copy of disputed highlighted items to Wells Fargo & XXXX which is pending investigation due to their stalling. 

The company that is my account is XXXX XXXX which I've sent XXXX a copy of my XXXX results that clearly shows my account is current, paying as agreed, on time, no late payments or repossession. I've uploaded a copy of the results that I have received from XXXX, yet XXXX is saying they verified and updated the item. 

These items are negatively affecting my ability to obtain new credit and as well a home mortgage, I am not able to enjoy the benefits of great interest rates due this erroneous reporting. I hope that XXXX  will delete these inaccurate items and send me updated reports for my credit.
Product: Credit card or prepaid card

I had no funds on the card and received a service fee of {$4.00}. When I tried to send an email to cancel the card at the company website I found out that the user can only call the company or mail in a letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX XXXX, XXXX, XXXX XXXX add a hard inquiry on my credit reports. 
On XXXX XXXX, XXXX, XX/XX/XXXX and XXXX XXXX, XXXX, JPMCB - CARD SERVICE add a hard inquiry on my credit reports. 
On XXXX XXXX, XXXX, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Payday loan, title loan, personal loan, or advance loan

Affirm is approving fraudulent loans requested by the company XXXXXXXX XXXX XXXXXXXX which is a company that is illegally a pay to work scam
Product: Credit reporting, credit repair services, or other personal consumer reports

Please refer to previous CFPB report number XXXX letter attached. I contacted the Credit bureau XXXX to advised that my report was inaccurate. XXXX  shows charge-off effective as of XX/XX/XXXX this account was opened in XXXX and charged off on XX/XX/XXXX as reflected in their response in this letter. All bureaus were notified along with CFPB however inaccurate information is currently being reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a mortgage with Mr Cooper starting XXXX 2019 for a condo in XXXX. I set Autopay for each month payment. Two weeks ago, I am purchasing a condo in XXXX and start applying for a mortgage. They got a credit report and showed I have late payment in Mr Cooper account. I immediately called Mr Cooper to request a statement that a mistake was made in my account. They said it will take up to 1 month for them to process my request. I told them this is not acceptable at all. I called them many times and they ignored my request. 
I don't want to lose the condo that we love very much just because of Mr Cooper was making big mistake in my account.
Product: Credit reporting or other personal consumer reports

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please REMOVE these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Closing payment for mortgage was wired XX/XX/23 by title company. Title company confirmed wire sent to NewRez mortgage but NewRez denies receiving funds and continues to withdraw monthly mortgage payments. Newrez refused to stop payment from going through after being alerted immediately and refuses to investigate why it can not locate the funds wired to it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting my complain for you to re-investigate the inaccurate items on my credit file immediately. I have not received any written removal regarding this issue. Based on FCRA, Section 605b It was the responsibility of the XXXX credit bureaus to remove those fraudulent items which doesn't belong to the owner. The following items should be deleted and make sure they doesn't re-appear again on my current credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/2023.
Product: Checking or savings account

On XX/XX/2023, I submitted a domestic wire transfer ( Tracking : XXXX ) to cover an over-draft transaction, in accordance with their overdraft policy. Discover 's webpage clearly states to allow up to XXXX business day to allow for a clearing wire transfer. The next business day ( XX/XX/XXXX ), the overdraft transaction was returned and wire transfer missing, prompting customer to call customer service. 

Customer service representative acknowledged the bank 's receipt of the wire transfer, but admitted that the bank had failed to post the funds ( at time of writing, the funds are still not available on the online ledger ). 

Customer service agent further misrepresented any potential claims process by denying that Discover had any team or official mechanism to accept a written complaint of any sort, in spite of their " Consumer Advocacy '' department being advertised across their website and discouraging submitting a CFPB claim on my own accord since the bank allegedly " does not process complaints ''. 

Returned XXXX XXXX payment caused reputation damage with the organization, as well as a {$40.00} return payment fee. Further, wired funds are still absent from ledger, causing a total {$120.00} current loss.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo inaccurately report a credit card account as past due when this account is not past due. I have disputed this with Wells Fargo. They are still reporting this as a late payment. Balance is also reporting incorrectly.