23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two accounts that were used fraudulently in 2018. I filed a police report when my wallet was stolen. I have sent 7 letters of dispute including my state id, FTC Identity Theft Report, copies of the police report, and my social security card. This information should have been blocked under FCRA, and after a year and a half of sending certified letters regarding a XXXX XXXX XXXXXXXXi TotaXXXX XXXX XXXX. FCRA says information needs to be blocked in 5 days of receipt of the packet being sent certified mail. The XXXX XXXX XXXX verify it every single time, and nothing gets removed despite being a victim of theft. Experian sends me a letter over the last 6 times sending a packet saying they want me to resend the same exact packet of information which is so frustrating. I filed a complaint with the CFPB, and they sent it back to be verified to XXXX XXXX instead of resolving the issue. If I do not get a resolution from XXXX, I will file with the Illinois State Attorney and a small claims case in XXXX XXXX. 

I demand that information be blocked. 

Total notated " lost or stolen '' in the consumer statement section. This is unacceptable.
Product: Credit card

In XX/XX/XXXX I closed my credit card account with Bank of America. About two months later they processed a " recurring charge '' and sent me a bill, which I paid promptly. On XX/XX/XXXX, I sent them a letter which stated : " I DO NOT AUTHORIZE BANK OF AMERICA TO ACCEPT ANY NEW CHARGES ON THIS CLOSED ACCOUNT '' and " I would like written verification from you that this account is closed and that no additional charges will be accepted. " On XX/XX/XXXX, they processed yet another charge for AAA membership renewal. AAA had notified me that the card on file -- the BofA card -- had expired. However, B of A processed the charge, billed me, thereby ignoring my withdrawal of authorization. I spoke to XXXX people at B of A and was repeatedly told that they could not block future charges, as I had requested. I also requested a letter promising to block the account and to remove me from their data base. The person said, " I 'm not authorized to do that. ''
Product: Checking or savings account

I have been a long time Bank of America customer. No overdrafts nor bounced checks. I had a {$6000.00} commission check and went to deposit it about XXXX XXXX on XX/XX/XXXX. I needed the money by this Friday and asked the person at bank if it would clear. She said first {$300.00} would be available that day the balance the next day. Once I deposited the check it said there was a hold until XX/XX/16. When I was upset that she told me wrong she said call the XXXX #. If I knew it wouldn't clear I would of went to the bank it was issued from ( XXXX XXXX  - a local bank here in Connecticut ). I found out from my real estate broker the check cleared the same night. She provided me with a copy of the check that cleared as well as seeing the {$6000.00} come from her account. I was told the reason it was held was based she ran out of checks and gave me a starter check that didn't have her broker name on it. That was ( I assume ) marked suspicious. I have called several times and talked to people at different levels. I told them the check cleared and I can provide proof and give them my broker 's phone number. I feel the bank is playing with my money as since it cleared the same day I deposited it there is no possible way it will take that long to get into my bank. My money is out there some where and I want it. If it didn't clear I would understand, but the funds were removed from her account that same night. Everyone is rude at the bank. The day it happened I tried to reach the branch manager at the bank and she would not call me back. This is totally unacceptable. Please tell me what can be done. They need to be held responsible for their rudeness. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN accordance with the Fair Credit Reporting Act, this creditor has violated my rights.

Under 15USC 1681 Section 602 states that I have a right to privacy 15-usc 1681 section 604 a Section 2 also states taht a consumer reporting agency can not furnish an account without my written instructions.

Under 15-USC-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: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate late payments are showing on my credit file. This has caused me tremendous stress. I am unable to get a mortgage loan due to this erroneous reporting. I tried to resolve this matter with the creditor and the bureau and I have not received responses.
Product: Credit reporting or other personal consumer reports

a complaint against Equifax for failing to propery investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Debt collection

I was served with papers from Mountain Peak Law Group regarding a loan from XXXX XXXX that was bought out by XXXX XXXX XXXX. I called them to discuss the debt and they had informed me what it was about. I agreed to make a payment arrangment. They were suppose to send me documentation of the debt which I never received. The only thing I received was a Judgment Stipulation by XXXX. Due to a hardship I had to consider Debt Relief options. The company I am working with said they needed a statement From Mountain Peak Law group showing the original creditor and the amount owed in order to help me with this debt. I called Mountain Peak Law Group and the sent me a payment history. The only information it showed was a payment I made to them and XXXX XXXX name. I called XXXX XXXXXXXX and they refused to send me information on the debt. They referred me back to Mountain Peak and told me to ask for verification of the debt. I emailed them Mountain Peak back and aked for the verification of the debt. They refused and told me to contact the court. I am filing this because, they never sent me verification of the debt from the start and now it is with the court. I dont understand why.
Product: Payday loan, title loan, personal loan, or advance loan

I had previously contacted Grain about access to my account. They responded with this " We have now implemented a more secure and efficient verification process. For this reason, you were required to go through the additional verification steps. Unfortunately, when you completed ID Verification, the system couldnt verify you. Because the system can not verify your ID, you no longer have access to your account. Some of the reasons for this may be but are not limited to not completing the security questions correctly, not uploading all the documents required, uploading expired documentation, uploading photocopies and not the original documents, and pictures that are blurry, hard to read, or cut off. We understand completely that this is not the outcome you had expected but unfortunately, we can not change the decision that has been made. '' I understand and accept the outcome however I am entitled to a refund of my security deposit and I would like that immediately since my account is closed and can not be reopened.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report on XX/XX/2024. I saw some late payments ; they were supposed to be on time. And the creditor said " I wouldn't be marked late because I had things going on not because of the pandemic but because I was XXXX. XXXX XXXX, XXXX XXXX, and XXXX XXXX  XXXX are my missed payments. I sent a letter to Experian to get this fix, but they still said everything is reporting correctly. But it's not. Can you help with this situation? Thank you.
Product: Credit reporting or other personal consumer reports

Certainly! Here is the revised letter with the Equifax address : -- - XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX XX/XX/2024 XXXX XXXX XXXX XXXX XXXX, GA XXXX **Subject : Formal Dispute of Fraudulent Collection Items and Violation of FDCPA by Consumer Adjustment Corp** To Whom It May Concern, I am writing to formally dispute the accuracy of certain items on my credit report related to Consumer Adjustment Corp. These entries are erroneous and have been added to my credit report without my knowledge or consent. The details are as follows : **Disputed Accounts : ** XXXX XXXX XXXX XXXX XXXX {$450.00} and {$330.00} XXXX : FCRA Section XXXX - Reporting inaccurate and fraudulent information. 

The first collection item amounts to {$450.00} and the second to {$330.00}. These entries were added without my knowledge or consent, and I dispute their validity. 

The agency name listed on my credit report is XXXX XXXX XXXX XXXX '' instead of " XXXX XXXX XXXX '' This discrepancy appears to be a fraudulent move, likely intended to confuse or mislead, further undermining the legitimacy of these collection entries. 

I have already filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding these fraudulent entries. This is a formal demand for the immediate removal of these items from all credit reporting agencies. 

In light of these violations, I request the immediate removal of the aforementioned items from my credit report under the Fair Credit Reporting Act ( FCRA ) Section XXXX, which grants me the right to dispute inaccurate information on my credit report. 

**Enclosures : ** Copies of the dispute letter sent to XXXX XXXX XXXX XXXX 
Proof of mailing and tracking numbers for the dispute letter. 
Any other relevant documentation supporting my claims. 

I expect your prompt attention to this matter and a resolution within 30 days as stipulated by the FCRA. Failure to remove these erroneous items will result in further actions, including additional complaints to the CFPB and possible legal recourse. 

Thank you for your immediate attention to this serious matter. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

The U.S. Bank charged me $ XXXX/per overdraft. They continue to do multiple charges overnight when your deposit is considered not in place yet. I cashed my checks at XXXX and deposited my fund to cover the checks at XXXX. I ended up getting 3 overdrafts. Over the phone, different branches, home branch included and all the bankers were finding their ways to excuse that 's not the bank 's fault. That 's to tell cut-off time is on customer 's fault. I asked if there is any leeway or courtesy to help waive some overdraft fees as I have never had that happens to my US Bank account, they insisted at NO. Horrible banking experience, terrible customer service.
The XXXX XXXX XXXX where I deposited my US Bank check into charged me {$12.00} fee for the return check while I 'm their newly opened account owner and unfamiliar with banking at XXXX XXXX XXXX. I asked the local branch banker and he turned to ask his manager, none of them could help reverse the fee. It was another bitter moment.
I forgot my book of checks from XXXX  where I hold most of my fund. I had the book of US Bank checks with me instead, so I use those checks to deposit money from US Bank to XXXX XXXX XXXX. I lost {$120.00} due to unfair overdraft charges and bureaucracy.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you of an attempt to collect on the alleged debt referenced below are in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 16921692p. If you are not aware this entire claim is regulated by an arbitration agreement with XXXXXXXX XXXX AND XXXX XXXX XXXX  XXXX, which clearly stipulates that any dispute must be resolved through arbitration due to the binding agreement. To date there has been no arbitration proceedings. As a direct result of that this is considered a material breach of the arbitration terms listed in the original agreement acknowledged by all involved parties. I confidently assert that these companies have no right to collect on this alleged debt. 

I am writing this as I humbly seek to have this discrepancy resolved both promptly and amicably. 

With that, my request are as follows : Promptly notify any credit reporting agency to remove all information and/or tradelines associated with this account. I request a written confirmation of that communication to be sent to the address they have on file. 

Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

A hard inquiry I didn't recognized popped on my report.
Product: Debt collection

XXXX XXXX properties alleged we did damage to the carpet when we left & immediately turned our names over to a collection agency after we moved out giving us no time. The residence was still in our name when we the repairs were done, XXXX deposits & XXXX insurance to cover property damage were not applied though available to the landlord. We received numerous communications from XXXX Collect asking us for payment after we asked them not to contact us after not verifying the debt within 30 days of initial contact back in XXXX of 2015
Product: Credit reporting, credit repair services, or other personal consumer reports

After purchasing a copy of my credit report, I was able to locate a series of negative accounts, that are preventing me from moving forward with my financing. With this in mind, I decided to contact the credit reporting agencies, to have them help investigate these events. 
I understand that, the credit reporting agencies, have been granted a " relax enforcement standard '' from the CFPB to allow them to either delay, or not respond to my dispute request. However, according to section 1681i of the FCRA, the credit reporting agency, are bind by law, to respond within the highlighted time frame to avoid a possible civil case against them. This is in compliance with section 616, and 617 of the FCRA. It has been more than 45 days since, I requested these items to be properly investigated. I have yet to received anything back from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, consumer, natural person and original creditor of an open end credit plan. I received a copy of my consumer credit report and I am now aware of some negative payment history that is being furnished without my written consent. Pursing to the FCRA 15 USC 1681b ( a ) ( 2 ) you may not furnish a consumer report without the written consent to report anything on my consumer report. No consent is identity theft. However, under 15 USC 1681a ( 2 ) ( i ) Exclusions from a consumer report include information solely as to transactions or experiences between the consumer. By law you can not furnish transaction history. Transactions are late payments, this needs to be removed now. According to 15 U.S.Code 1681 ( a ) ( 4 ). The information being reported is false, misleading and fraud. All in which so has caused many damages over time. Pursing to the FCRA15 USC 1692d a debt collector may not engage in the use of criminal means to harm the physical person consumer or my reputation. These late payments are damaging my reputation. They have also caused me great harm, mentally and physically. Pursing to 15 USC 1692e ( 2 ) ( a ) a debt collector may not use the false representation of the character of a consumer. Late payments are character damaging. It states you cant report the character of any debt meaning its in my character to pay late based on my consumer report. This is tarnishing my character. I am demanding that you remove every late payment. According to 15 USC 1681a ( q ) ( 3 ), identity theft means a fraud committed using the identifying information of another person, subject to such further definition as the Bureau may prescribe, by regulation. The term " Person '' in this section 15 USC 1681a ( b ) means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. In this case this corporation ( Equifax ) is in violation. This is identity theft and as a result, the late payments must be deleted and blocked from my file.To conclude, under 15 USC 1681c you must block any information in my file from an alleged identity theft, no later than 4 business days after the date I provide the details to you.
Product: Credit card

Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to seek your assistance in resolving a dispute I have with Capital One regarding the closure of two of my credit card accounts. The closure occurred following a returned payment on one of my cards, despite me promptly paying the full balance the next day from a different account. Upon the closure of these accounts, I immediately contacted Capital One to redeem my accumulated rewards points and travel credit. 

1. The card ending in XXXX had approximately XXXX points. 
2. the card ending in XXXX had about XXXX points. 
Additionally, I had a travel credit of approximately {$740.00}. 

However, Capital One refused to allow me to redeem these rewards, a practice I believe violates New York law. 

After weeks of attempting to resolve the issue and informing Capital One of my intent to pursue legal action for their noncompliance with New York law, I was offered {$1700.00} in cashback. However, this amount represents only half the value of my accumulated points ( which should have been {$3500.00} ) and does not reflect the proper form of redemption. Furthermore, this action violates New York law, which mandates that rewards be redeemable in the same manner as before account closure, for up to 90 days. ( For Example : transferring to travel partners, transferring to another members account... ) I am requesting the CFPBs assistance in recovering the remaining value of my points ( {$1700.00} ) as well as my {$740.00} in travel credit. These rewards represent years of work to gain these rewards, and I believe Capital One 's actions are unlawful. 

For your reference, I have included the relevant portion of New York law ( SECTION 520-E ) : " If any credit card account or rewards program is modified, cancelled, closed, or terminated, the holder must be provided notice from the issuer of such cancellation, closure, termination or modification as soon as possible, and in any event within forty-five days of such cancellation, closure, termination or modification. Beginning with the date on which notice is sent, the holder shall have ninety days to redeem, exchange, or otherwise use any credit card points that the holder accumulated at the time of such modification, cancellation, closure, or termination as permitted under the terms of the agreement or agreements between the holder and the issuer which is servicing the applicable credit card account or related rewards program, subject to the availability of rewards. '' Thank you for your attention to this matter. I look forward to your assistance in resolving this issue. 

Thanks!!! XXXX
Product: Checking or savings account

I have been with Wells Fargo since XXXX until the present ... I'm completing this complaint because of the lawsuit you have going on because I have had problems with overdraft fees and illegal activities
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX which falls under trafficking according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information from XXXX, Equifax and XXXX. 

Please delete the following accounts : XXXX XXXXXXXX Account Number : XXXX Balance : {$700.00} XXXX Account Number : XXXX Balance : {$14000.00} XXXX XXXX XXXX ( Original Creditor : XXXX  ) Account Number : XXXX Balance : {$790.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) Account Number : XXXX Balance : {$230.00} XXXX ( Original Creditor : XXXX XXXX ) Account Number : XXXX Balance : {$790.00}
Product: Checking or savings account

I am writing to formally complain about the recent closure of my account without prior notification from Chase Bank. This action has caused severe financial distress as I was not aware of the closure, resulting in delays in receiving my paycheck and subsequently falling behind on paying my rent. 

On XX/XX/year>, I discovered that my account was closed by calling the customer service line. This closure directly impacted my ability to receive my paycheck deposit and has put me in a difficult situation where I am unable to meet my financial obligations promptly. 

I understand that banks have a fundamental responsibility to notify customers in advance of actions that could disrupt financial transactions and direct deposits. The failure to inform me of the account closure has not only inconvenienced me but has also caused significant stress and financial hardship. Despite receiving promotional emails and statements until XX/XX/year>, with no indication of impending closure, I was caught off guard by this sudden decision. 

As a result of this mishandling, I am compelled to actively dissuade others from choosing Chase Bank for their banking needs. 

I kindly request a thorough investigation into this matter and seek an explanation for why I was not informed about the closure of my account promptly. Additionally, I request prompt action to rectify this situation, including any necessary steps to ensure that similar incidents do not occur in the future for any other customers.
Product: Checking or savings account

I received a letter from Chase saying they were closing my account on XX/XX/XXXX. I had signed up for a {$900.00} account bonus in XXXX and was supposed to receive the bonus on XX/XX/XXXX for meeting all the criteria. This was a bait and switch and now they are refusing to give me the bonus and are closing the account.
Product: Credit reporting or other personal consumer reports

I want these inquiries deleted I do not authorize these companies to run my credit. Its fraudulent.
Product: Payday loan

Integrity Asset partners is a debt buyer who is helping continue a scam set out by a scam portfolio debt seller. They say they are hiding behind a non disclosure of who they purchased it from. They also sold it to XXXX which threatened with legal action if I did n't pay them, do not mirandize, and juice the amount that they say was an original loan amount when in all actuality the loan never existed. integrity is the only thing in their name that is actually in existence. They knowingly purchased bad cheap paper and sold it to people they did not do their due diligence on.