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

In the last month, I was assessed two {$35.00} fees for overdrafts that I resolved myself within a 24 hour period. In both cases, the assessment of the fee caused my account to remain over drafted even after I fixed the issue within a short period myself. I sent an email to the bank through my account asking about the fees and got a generic answer with no resolution. Why should the fee be assessed if its the only thing keeping my account in an overdrafted status? Further, what is the reason for such a steep fee? Does it cost the bank {$35.00} to have my account overdrafted? I'd like to understand the cost breakdown to justify this fee.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report. I discovered that some of the information was erroneous. The XXXX credit bureaus must validate this account in line with Section XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ), It is not authorized to fail to validated this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct for erroneous reporting in my file and are listed on my credit report. XXXX XXXX
Product: Mortgage

On XXXX XXXX, I XXXX XXXX cancelled my contract with Loan Depot for a cash out refinance loan on my home that was already financed with XXXX XXXX. According to my contract, I had the rights to do so before XXXX on XX/XX/2021 based on California time zone and I did just that. I emailed my cancellation notice to XXXX XXXX XXXX XXXX. I also told Mrs. XXXX XXXX the very next day that I had cancelled and she asked me to send her a copy of my right to cancel to her email and I sent it to her. According to the contract, they supposed to have unfounded the loan which I am aware of and if I wanted to proceed with the loan I would have to start the process all over- understood. Two days after cancellation I arrived home from work and there was an XXXX package at my house with a check to send to XXXX XXXX to pay off my car in the amount of {$11000.00} but I didnt send the check off because I knew that I had cancelled my contract. Five days later I received a wire transfer to my bank account for {$19000.00}. I was ready to return the funds back but Mrs. XXXX XXXX told me to keep the funds but write a letter stating that I basically wanted to keep the loan. I had already explained to Mrs. XXXX and Mrs. XXXX my current condition and that I was thinking of doing something else with my Mortgage instead of proceeding further with the contract but in the meantime I was so unaware that they had even sent any money to XXXX XXXX to pay off my home mortgage until I received a notification and a letter from XXXX XXXX. I was told that they were going to unfund the loan and we would have to start all over but I told Mrs. XXXX that I am not going to resign or continue with the loan because I had other plans with my mortgage due to my own personal issues. I later received a text message from Mrs. XXXX basically telling me to keep the funds and told just write a letter stating that I wanted the loan because XXXX XXXX will not return their money. I dont blame XXXX XXXX because Loan Depot is aware that I cancelled my contract but I should not be held liable under no circumstances whatsoever to proceed with the contract or make any payments to a company that I cancelled to do business with. Some one at Loan Depot is to blame for this issue and all of my countless nights of not getting any sleep and adding to my XXXX  and XXXX  problems. I feel that they are trying to bully, manipulate, and scam me into signing a contract because of their screw up by not following their own Companys contract rules and procedures at Loan Depot and I am refusing to continue business with this company altogether but I am wondering how many other people have they done this too before. This is illegal and unlawful under the federal law and they should be held reliable for their actions. I can be reached at XXXX-XXXX-XXXX. Thank you so much for your assistance, time, and praying that you can help me with this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my XXXX  Credit Report, I'm showing a vehicle load I never applied for the person. Received car and financing terms in my name and my credit report was locked at the time this was placed on my credit and I couldn't receive debt due to being in a bankruptcy that was filed. 

Company Name Consumer Portfolio Services Address : XXXX  XXXX XXXX XXXX, CA XXXX XXXX : XXXX XXXX XXXX XXXX I have contacted them several times on monthly basis from XXXX XXXX present but still have not received any information from company or return phone, and paperwork on vehicle. They placed a charge off on my account and did not verify any information upon opening or closing the account. 

This needs to be removed ASAP. 

Company XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX Regional : Managers reached out to XXXX, XXXX, XXXX I also have an issue with an apartment complex XXXX XXXX XXXX. I never rented an apartment from this company and I have email XXXX XXXX regional manager on  XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX did not receive a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX at XXXX and XXXX Pacific time ; I was on a two way conversation with XXXX XXXX executive officer mister XXXX ; to resolve my Consumer protection complaint/credit dispute regarding the incorrect information placed on my credit report. I asked mister XXXX where did the balance from because, Prior to moving the city government disbursed approximately four different payments to XXXX XXXX. 
Mister XXXX stated I have not paid the bill in approximately four years and that is why the balance is so high. I replied, that is untrue sir .... For the record, the incorrect balance reflecting is {$6000.00} The account number in question was XXXX and the service address was XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NY XXXX. To make a long story short ... .. 

Mr. XXXX stated on a recorded conversation ( which I have saved in my email ) that if I can prove one payment he will RIGHT the WRONG and remove it from my credit report. I begun digging deep into my archived paperwork, and was blessed to find a payment the government made of approximately {$400.00} dollar..

And a running balance sheet which also showed many payments. XXXX  XXXX  have been doctoring and fraudulently creating running balance statements and bills which have never been sent to us customers. Moreover, mr. XXXX reneged, and went against his word.
Product: Credit reporting or other personal consumer reports

I have contacted all parties ( credit card and credit bureaus ) multiple times that these accounts are not mine. The XXXX accounts don't even have my correct address attached to them. 

XXXX XXXX XXXX has had a similar issue reported to the Supreme court in a lawsuit lawsuit against XXXX defendant banking and debt-collection institutions on XX/XX/, alleging that each defendant reported inaccurate and derogatory information related to her credit card account and failed to correct their errors after receiving notice of plaintiff 's disputes from the credit reporting agencies, all in violation of the Fair Credit Reporting Act ( " FCRA '' ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( " FDCPA '' ), 15 U.S.C. 1692 et seq. See generally 1st Am. Compl., ECF No. 35. XXXX XXXX XXXX XXXX. 

I too am a victim of fraudulent accounts not being removed from my credit report. I have attached my identity theft report here as well as the civil action lawsuit against the company. These are accounts are not mine need to be removed IMMEDIATELY. The credit bureaus and credit card company is in violation of 15 US Code S 1681-c2. It has been more than 30 days and you are in violation of this law because I am a victim of identity theft. Please remove these accounts immediately from my report.
Product: Checking or savings account

After sending XXXX from my capital one to my XXXX account. XXXX banned my account. So i disputed it with my capital one bank, they credited XXXX $ to my account. Just to take it out 2 months later so I woke up to a negative balance one day. After calling them. They said they denied my dispute. Their reason was that XXXX provided them proof of transaction. So after a lot of back an forth with XXXX  i got access to my account again. Just to find out they have made an adjustment and left my account with a negative balance of XXXX $ because of the dispute i had done with capital one. I got in contact with them and told them capital one denied my dispute. But they tell me they have the money and i should get in contact with capital one. So i get in contact with them. Horrible customer service, nobody tries to help you and when you ask for a supervisor they make you wait 30 mins in line. After multiple days of calling. Capital one re- opened my dispute. I provided them all the documents showing my account was banned right at the day of transfer. And that right now its at a negative balance. But they denied my dispute yet again. So now XXXX $ is literally on the air. XXXX claims they have it. And that i should open a dispute with them. While they claim they made their final decision, and that I should contact XXXX 2 ridiculous online banks one worse than the other. With chime threatening me to send my balance to collections. If that happens. Both are gon na be taken to court.
Product: Credit reporting or other personal consumer reports

I have XXXX address for years now. All the address on my credit is wrong. I did tell the credit bureaus to delete them. Wrong information is still on my credit report. I attached the address on here so yall know which one is inaccurate. 

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 a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Dispute of Alleged Debt Dear Sir/Madam, Please be advised that this letter serves as a formal dispute of the alleged debt referenced in your correspondence and sent to me in relation to an account that you claim I owe. I am writing to request full validation of the debt as permitted by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g Sec. 809 ( b ). This letter is not a refusal to pay the debt, but a request for proper documentation proving that I owe the amount you claim. As per my rights under the FDCPA, I request that you provide the following information and documentation : The name of the original creditor on the alleged debt, and the corresponding account number. The original amount owed, including a full, itemized payment history starting from the date the debt was first incurred with the original creditor. Legal documentation that proves I am legally obligated to pay this debt. The original date of delinquency on this account. A copy of the agreement granting you the authority to collect this alleged debt, or proof of assignment or transfer of the debt to your agency. The amount you paid to acquire this debt and how the current balance owed was calculated. Please provide all requested documents within 30 days of receipt of this letter, and please do so via certified mail. Failure to provide the requested documentation will result in the immediate removal of any claim against me and the corresponding entry from my credit profile. Additionally, I am formally notifying you that you do not have my consent to contact me through any means other than in writing, and you do not have my authorization to access, possess, or report any of my private information. Any such unauthorized actions are considered a violation of my rights and may constitute aggravated identity theft under applicable law. Furthermore, I did not grant you permission to report my information to any credit reporting agency. I demand that you cease reporting this information immediately until full validation has been completed. Under the Fair Credit Reporting Act ( FCRA ), I expect that you will flag this account as disputed with the credit bureaus during the validation process. You are also required to cease reporting this information to any credit reporting agency while the dispute is ongoing. Please be advised that a copy of this letter has been forwarded to the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and all three national credit reporting agencies ( XXXX, XXXX, and XXXX ) to initiate their own investigations concurrently with your review. If I do not receive the requested validation within the specified 30 days, I will take appropriate action, including filing complaints with the FTC, CFPB, and relevant state authorities. Additionally, I reserve the right to pursue private civil action for damages caused by this matter. Thank you for your attention to this matter. Sincerely, XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Recently, I, XXXX XXXX XXXX, was denied an extension of credit by Citibank. On XX/XX/2022, I applied for Citi XXXX XXXX XXXX XXXX. 
As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1692 ( K ). Citibank has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002 Since the letter you sent me dated XX/XX/2022, is both a proof and evidence that I have been discriminated against, you are also criminally liable. 

I received a response from Citi on XX/XX/2022 that does not satisfy this ongoing concern. I have escalated the matter with the Attorney General. See attached.
Product: Checking or savings account

On XX/XX/ I received a text message from phone # XXXX stating REGIONS BANK N.A. : Did You Attempt A Transaction Of {$220.00} At XXXX XXXX, GA? # XXXX REPLY I/ ( YES ) Authorize ( NO ) Fraud, A Call Will Be Generated To You Momentarily please be on stand by After receiving the message I messaged back NO. Immediately I received a call from a regions phone # with a lady on the line named XXXX. She proceeded to ask me about some transactions that had occurred on my account that was not me being that this is a business account I DO NOT HAVE A CARD FOR THIS ACCOUNT. I ONLY WRITE CHECKS OUT OF THIS ACCOUNT AND PAY MY BILLS ONLINE WITH MY CHECKING ACCOUNT. I proceeded to log into my account with regions coming to find out there had been several charges on my account that said XXXX XXXX Deposit but it was not deposits it was money being withdrawn from my account. SEVERAL DAYS SEVERAL TRANACTIONS. Totaling an amount of {$24000.00} I have been round and round with Regions Bank and have got no answers to where my money went and no answers of when my money will be given back and not one phone call from Regions Bank to talk to me about what has happened. I have called Regions numerous times still getting nothing. This is a lot of money not just {$5.00} and I want my money back and some answers from someone of what is going on. I have opened a new account with Regions and have taken all security measures to prevent this from happening again now I need Regions to do their part and help me get my money back.
Product: Credit card or prepaid card

A short while after opening the XXXX account, I called ( unfortunately I didn't write down the female 's name or the date ). I did not understand how the payments posted if you have delayed interest along with regular purchases, so I called for an explanation so I would not have to pay the interest in the special financing purchase.. What I was told after calling on XX/XX/28 and speaking with XXXX regarding the interest of {$350.00} posting to the account and what I was told previously did not match. I know that some representatives explain information different/incorrectly at times, but if they sound confident, like the representative I spoke with on the first call, I usually don't make a second call to verify information.
Product: Debt collection

After agreeing to make payments from this summer until loan was paid off, they agreed to this. Now I sold my home on XXXX XXXX XXXX XXXX, XXXX, NC, Springleaf has refused to re assign the property lien over to me so that I can avoid foreclosure. If the " short sale in lieu of foreclosure '' does n't close by XXXX XXXX, 2015, the home will be foreclosed. Please have Springleaf reassign the lien to me so that I can avoid foreclosure. I do not get proceeds from the sale.The loan manager on XXXX XXXX, by previous name American General, came on to me as harsh and rude. Now I am working with that home office to stay away from him, XXXX XXXX, XXXX XXXX XXXX XXXX, NC.
Product: Credit card or prepaid card

I received an XXXX XXXX debit card from XXXX XXXX 's my employer, for my pay. I wanted to take money out. On XX/XX/2020, I went on the XXXX website to look for a free ATM to use with this card. The website instructed me to download an app which will tell me where all of the ATMs will be with no fees. I went to the ATM and I was charged a {$3.00} fee. when I called XXXX XXXX I spoke to a representative named XXXX who began arguing with me that I was not charged. Then she began to read my transactions with all of the ATM fees but still insisted they were not charges. She then began to explain that they were balanced inquiries not withdrawal fees therefore these were not real fees. as she continued to gaslight me, I thought maybe it would was a communication problem because her English was not good. She refused to credit the {$3.00}. I was appalled thinking as I make {$8.00} an hour at XXXX XXXX and these people are charging me {$3.00} just to use the card. I asked to speek to a supervisor named XXXX who I was met with the same argument these are not actual charges because they were not withdrawal fees they were balanced inquiry fees using the same ATM which I was instructed to go to through their app. XXXX also refused to credit me the {$3.00}. And insisted I wasn't charged any fees. Then began to read me my transactions from the card and says ATMs fees 3 times.
Product: Debt collection

I hope this letter finds you well. I am writing to you regarding two accounts that appear on my credit reports. The details of these accounts are as follows : 1. **Account Number XXXX - Original Creditor : Sunbit - Amount : {$31.00} 2. **Account Number XXXX - Original Creditor : Sunbit - Amount : {$52.00}
Product: Debt collection

I am contacting Portfolio Recovery regarding complaint # XXXX as I have asked you all to stop contacting me via email and cease from ALL communication on XX/XX/year>. Portfolio Recovery has continued to contact me on XX/XX/year> via email after asking you all to cease from communication. This is harassment, your tactics are aggressive, and it is against my rights according to 15 USC 1692c ( c ). Portfolio Recovery is in violation of the Fair Debt Collection Practices Act ( FDCPA ). Also you lied in your most recent rebuttal and I have uploaded proof that your company is in fact in violation with FDCPA. I will be seeking damages with your company if I receive further contact regarding alleged debt below and you surely better not try to attach to my credit report. 

Will be seeking damages and speaking with a lawyer as you all have harassed me through electronic communication, violated my rights under FDCPA, and stated you will cause damage to my credit report. There is more than enough evidence to prove for my case. 

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

On XX/XX/XXXX, I wrote a letter toXXXX XXXX as requested from all three credit bureaus after disputing a XXXX XXXX  inquiry, I was told to contact the furnisher of the inquiry.

On XX/XX/XXXX I certified a letter asking for XXXX XXXX to provide a application letter giving my consent or permission to check my credit.

On XX/XX/XXXX I filed a CFPB complaint XXXX, with proof I contacted this company for this purpose.

XXXX XXXX responded on XX/XX/XXXX With references to other companies in their response without having a consent form or a application from these so called companys which should show my signature giving XXXX XXXX or these specific companies named in their statement permission.

XXXX XXXX Can Not Provide These Documents.
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identify theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM EXPERIAN
Product: Vehicle loan or lease

My lease is almost over and I am purchasing my vehicle with financing from a credit union. Honda Financial Services has been impossible to reach to help with this necessary documentation. I have called XXXX times over the past week and been hung up on. I have spent over 4 hours on hold. There is no option to reach this company via email, chat, or message. This is delaying my loan processing.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Inaccurate Late Payments on Credit Report Complaint Details : I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by TransUnion Consumer Solutions. I believe these late payments are erroneous and do not accurately reflect my payment history. 

Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed in my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts.

2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorney fees, and possible punitive damages, for failure to comply with the Act 's requirements.