23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

the following account shows as charge off which means it was written as a loss by the creditor which also means a XXXX cancellation of debt form was never sent to me. 

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: Checking or savings account

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

Today I attempted to pay off a loan with BB & T on their website ( {$8200.00} ). Though that amount was a payment option, it would not let me pay that amount. I received a message that for payments greater than {$1000.00} I would have to call, which I did. After several frustrating minutes wading through a voice prompt system, I was finally prompted to enter my payment information. After entering the information, I was notified that I was being transferred to a human being. After remaining on hold for several minutes I was told that I could only pay {$5000.00} over the phone, at which time I asked to speak to a supervisor. Again, after remaining on hold for a few minutes, I was told the same thing by this supervisor, who refused to transfer me to a higher supervisor. I explained that this was unacceptable, but then said I 'd make the {$5000.00} payment today and the balance tomorrow. At this time she said she could n't log into the system to do it, and put me back on hold. Totally frustrated, I hung up. So, I 'm now being charged additional interest on a loan I simply want to pay off.
Product: Debt collection

On XX/XX/2021 I sent a written request to Evergreen Professional Recoveries requesting a breakdown of fees, a copy of my signature with XXXX XXXX showing my signature that allows a release of information, and to cease any credit bureau reporting until the debt was validated. I included a copy of the same request that was sent to all three major credit bureaus. Evergreen Professional Recoveries received the letter on XX/XX/2021. XXXX  and XXXX  removed the accounts from my credit bureau after 30 days due to lack of information from Evergreen Professional Recoveries.

I sent a follow up letter to Evergreen Professional Recoveries on XX/XX/2021 after I did not receive a response of any kind from them. The USPS tracking system shows that they received the letter on XX/XX/2021. To this date I have not received any information from them, they are still reporting my information to XXXX  and one account is still showing on my XXXX  report ( account # XXXX for {$510.00} ). I am attaching copies of all letters and certified mail receipts.
Product: Credit card

On XX/XX/XXXX Verve through Continental Finance ) placed an annual fee for XX/XX/XXXX through XX/XX/XXXX of {$99.00} plus a monthly maintenance fee of {$10.00}, or total fees of {$100.00}. These total fees in addition to the exorbitant 31.40 % interest on charges ( {$25.00} ) has put my account over the credit limit. See attached statement.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The XXXX XXXX account information listed, which appears on my Transunion credit report, is the result of that XXXX.
Product: Credit reporting or other personal consumer reports

US DEPARTMENT OF EDUCATION XXXX XXXX XXXX XXXX, TX XXXX XXXX to whom it may concern at the US DEPARTMENT OF EDUCATION I received a copy of my credit report and have found the following items to be in error by the provisions of the Fair Credit Reporting Act I respectfully demand these items to be investigated and removed from my credit report it is my understand and belief that you will recheck these items with the " creditor/agency/corporation '' who posted them Please remove any information that the " creditor/agency/corporation '' can not verify it is to my knowledge that under 15 U.S.C. Section 1681i ( a ) that withing ( 30 ) days you must complete this re-investigation of the receipt of this notice Please send me an update copy of my credit report to the above address Thank you for your time and help in this matter.
Product: Debt collection

I had a car loan with Bank of America in XX/XX/XXXX and fell behind payments for several months due to illness. I called Bank of America in XX/XX/XXXX to requested car loan extension but got declined. They repo the car in XX/XX/XXXX. After that I never heard anything from them. The loan account info is no longer available on my online app ( that where I get the info from ). I never received any letter or phone called about the car loan debt and what they did with the car. Because I was home less and no job due to health issues. I made some money from XXXX XXXX XXXX on XX/XX/XXXX. Money deposited into my account on the XX/XX/XXXX and then Bank of America illegally took {$10000.00} from my account on XX/XX/XXXX without my consent. Because I never received any explaining letter, email, phone calls about the debt collection after they repo the car. The debt information is never available on online app for me to see. I talked to them on the morning of XX/XX/XXXX and asked them to return my money but they declined. Its illegal to take my money without my knowledge about the debt. I dont know how much they sold the car and how much I still owe them because I never received letter, email, phone calls or online app. I dont have a home that is why I cant receive the letter, I changed my phone number but I was updated on online app. They should send me an emails or provide the info on online app so I can see them and make an arrangement to repay. Its illegal to take money from me without my knowledge or consent. Please return my money and info me how much I owed and I can make arrangements to repay. Thank you XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I got a settlement check last year. And I moved {$6000.00} dollars from my account to my chime account. After that they locked my account. I have proof through email that I provided all the information that was required of me. And they still have yet to release my funds. Not only that. They closed my account!
Product: Payday loan, title loan, personal loan, or advance loan

I have been a customer with XXXX XXXX since XX/XX/XXXX, using your services to pay off a loan from a debt settlement. I am writing to you to seek urgent financial assistance and a flexible payment plan due to my current financial hardship. 

Since XX/XX/XXXX, I have faced significant challenges due to the rapid inflation in the economy, resulting in skyrocketing prices for rent, gas, and food. During this period, I was underemployed and eventually became overextended. Although I received a short-term hardship arrangement for 90 days, my situation worsened when I lost my job in XX/XX/XXXX. I was on the verge of securing a higher-paying position, but the offer was rescinded on a technicality. 

From XX/XX/XXXX to XX/XX/XXXX, I had no income and, despite my difficult circumstances, XXXX XXXX refused to work with me. My unemployment benefits provided only {$130.00} per week, leaving me behind on rent and utilities and nearly homeless. Despite these hardships, XXXX XXXX remained inflexible. 

Recently, I began receiving XXXX  benefits amounting to {$1800.00} per month, but my rent alone is {$1300.00}. While I have been actively seeking employment, I have not yet secured a new job. Despite these challenges, I have made payments as often as I can, as detailed below : - XX/XX/XXXX : {$150.00} ( Completed ) - XX/XX/XXXX : {$250.00} ( Returned ) - XX/XX/XXXX : {$200.00} ( Completed ) - XX/XX/XXXX : {$150.00} ( Returned ) - XX/XX/XXXX : {$50.00} ( Completed ) - XX/XX/XXXX : {$43.00} ( Completed ) - XX/XX/XXXX : {$140.00} ( Returned ) - XX/XX/XXXX : {$300.00} ( Completed ) - XX/XX/XXXX : {$70.00} ( Completed ) - XX/XX/XXXX : {$120.00} ( Completed ) Despite my efforts, XXXX XXXX has been rigid and unwilling to acknowledge my dire situation and unforeseen circumstances. As a result, my credit report has been significantly damaged. I can not afford payments over {$100.00} per month at this time. 



Sincerely, XXXX XXXX
Product: Mortgage

from my previous case from bank of America ref #  XXXX . all what bank of America did was send the same paper work again for me to fill out. I have done this twice and sent it back to them with all documents requested. they keep sending me the same exact thing over and over again. they never returned calls and they person you get on the phone does n't even know what is going on with your case or how to explain i t.
Product: Credit reporting, credit repair services, or other personal consumer reports

received a lawsuit concerning a loan that went to collections. I spoke with the lawyer representing the collection agency and they agreed to close the account citing fraud and said they would contact the credit agency to get the account removed from my credit. they informed me even with lawyer request it would stay on my credit until XXXX
Product: Checking or savings account

I initiated a XXXX transfer and then cancelled after verification that it was me. Somehow this flagged my account and they wanted to investigate the funds in question to protect the safety of our customers for 1-3 days ( last Friday ). It is now Tuesday and my entire account and ALL of my funds are locked. I have tried calling several times and have been unable to reach someone helpful. I asked how me choosing to leave my funds in my account is not protecting me, their customer, and why I couldve just let the funds transfer through XXXX and it wouldnt have raised an eyebrow- they could not answer this and just kept saying the same blanket statement about protection and could not critically think about how nonsensical this process is. I could have just let the transfer go and have the receiving party XXXX me back all within a couple minutes, but somehow me leaving my funds in my account is suspicious enough to totally lock down my account indefinitely. I am without access to these funds and it has caused a major headache. The last rep I talked to said only the funds involved in the XXXX in question would be locked, but that was a lie. Once/if I finally reach someone and get this unlocked I will be transferring all funds to another bank and closing out my tie to them. Their customer service has been abysmal and just this nature of the situation itself is totally ridiculous- why am I being denied access or receiving a punishment for choosing to leave my funds in my account..? That makes zero sense whatsoever. If I was a scammer, my goal would be to get the funds OUT of my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I settled and paid balance. Online it says XXXX but still reporting on my credit as not paid
Product: Checking or savings account

With no notice or justified reason, Wells Fargo ended my banking relationship and closed my checking, savings, and credit card accounts. The banking relationship I had with Wells Fargo was established when I was a minor and had continued until their unjustified closure of my accounts. I have a great credit score, have not deposited any items which have been returned, nor have there been claims filed against me or my accounts. Additionally, there have been no transactions on any of my accounts which violated the Deposit Agreement with Wells Fargo or any federal banking regulations. 

While I understand the Deposit Agreement states Wells Fargo may close an account for any reason, that piece of the disclosure does not exclude Wells Fargos adherence to federal banking regulations, specifically the FTCs Unfair, Deceptive, Abusive Acts or Practices ( UDAAP ) regulation. Closing a consumers deposit account without sufficient notice creates injury the consumer could not reasonably avoid. While Wells Fargo refuses to disclose the basis for account closure, publicly available consumer complaint data on the CFPB website shows this is not an isolated incident. In fact, the data shows this is a common complaint theme related to Wells Fargo and has been on the rise in XXXX. Additionally, a financial institution refusing to disclose the justification for terminating a customers account is problematic as it allows the institution to hide behind such reasoning when in fact, their reasoning could be discriminatory in nature or a blatant violation of federal banking regulations. 

I look forward to a thorough response from Wells Fargo into this complaint and not simply a letter containing scripted verbiage. Please contact me with any questions.
Product: Credit reporting or other personal consumer reports

This complaint is on the business Capital One for deceptive business practices they have access my credit report illegally without my consent numerous of times this has put me in extreme hardship and my personal life meaning I am being denied new credit opportunities because of these deceptive and illegal practices on behalf of the business Capital One I have never been affiliated ever in my life with this company I do not know how they obtained my information
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I contacted Transunion about unrecognized inquiries that were made on my credit profile. They were very rude, and kept telling me to contact the " Original Creditors ''. After 10 minutes of trying to explain myself, I finally got to tell the representative that I had previously contacted the creditors, & they told me " Contact the Credit Bureau ''. Credit Agencies are required to report ONLY accurate & verified information. The inquiries are NOT accurate, nor verified.
Product: Checking or savings account

Chase bank received child support payments on a closed account and kept them. {$500.00} in total. Did not notify me they received these payments. My account was close due to a snowball effect of overdraft fees and insufficient funds. A reasonable bank would not keep charging after {$100.00} but they kept charging and this is not the first time I have had this issue with Chase and is why I decided to let the account close. I received a letter from the Attorney general notifying me that my child support payments had resumed and were being mailed to me. The first 7 payments were sent to Chase and they did not return them.
Product: Credit reporting or other personal consumer reports

I am sure yo u are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. 

It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a crystal clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violation of its provisions. 

ACCOUNTS : 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

On XX/XX/2020 XXXX XXXX confirmed removal of an inaccurate bankruptcy from my XXXX XXXX report. On XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020 Experian stated in dispute results that XXXX XXXX verified the accuracy of the bankruptcy. Additionally, on XX/XX/2020 in CFPB complaint # XXXX and on XX/XX/2020 in CFPB complaint # XXXX, Experian stated the inaccurate bankruptcy was confirmed by date furnisher, XXXX XXXX. Lastly, on XX/XX/2020 Experian responded to a XXXX XXXX XXXX complaint stating the bankruptcy was confirmed by data furnisher XXXX XXXX. In the XXXX XXXX report dated XX/XX/2020, an inaccurate bankruptcy is not being reported by XXXX XXXX. Why has Experian consistently stated the inaccurate bankruptcy is being verified by XXXX XXXX, when in fact it is not?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ( XXXX XXXX XXXX ) XXXX XXXX XXXX, XXXX, FL XXXX The amount is {$510.00} The original XXXX XXXX XXXX XXXX XXXX I have contacted XXXX XXXX XXXX  regarding this, but I can not get a resolution. I have never used XXXX XXXX or XXXX XXXX XXXX  services. My cable provider is XXXX XXXX, and my phone provider is XXXX. I have asked XXXX to please remove this item from my credit report, but the are refusing to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts listed on this report is fraud and I am a victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent Foursight Capital a letter informing them on the laws that they are breaking from the US Code. I have been informed that Foursight Capital is reporting a car loan to my consumer report with the three major credit agencies, XXXX, XXXX and XXXX. Please be informed, Pursuant to 15 USC 1681 2 ( B ) states that any authorization or approval of a specific extension of CREDIT directly or indirectly by the issuer of a CREDIT CARD or similar device ; must be excluded from a consumer report. The US Code also defines the word CREDIT CARD, The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. So according to 15 USC 1681 2 ( B ) you are illegally reporting a credit transaction to my consumer report. I have the right for this TRANSACTION to be EXCLUDED from my consumer report on XXXX, XXXX and XXXX. 
Pursuant to 15 USC 1681 2 ( B ) My social security card is a CREDIT CARD according to 15 USC 1602n. My social security card was used to obtain CREDIT. As stated previously the US CODE LAW states that information is suppose to be excluded from my consumer report. I demand that they remove this transaction from my consumer report with XXXX, XXXX, and XXXX within 5 days of receiving this.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit reports from Experian, XXXX, and XXXX, I discovered that XXXX XXXX XXXX XXXX XXXX XXXX has reported as a collections account. However, when researching XXXX XXXX XXXX XXXX XXXX XXXX XXXX I found that they do not hold the required Third Party Debt Collector license from the Texas Office of Consumer Credit Commissioner as mandated by Texas Finance Code Chapter XXXX for debt collectors operating in the state of Texas XXXX 

As I am a XXXXXXXX XXXX XXXX, any debt collection activity conducted in my state of residence must be done by properly state-licensed collectors according to the Texas Debt Collection Act. Since XXXX XXXX XXXX XXXX XXXX XXXX XXXX the required state debt collections licensure in Texas XXXX I formally dispute this tradeline on my credit report and request that it immediately be removed. Reporting of illegitimate, disputed or inaccurate information to credit reporting agencies violates federal law, specifically the Fair Credit Reporting Act. 

Please investigate this disputed account from XXXX XXXX XXXX XXXX XXXX XXXX and remove it from my credit files immediately due to the lack of proper state licensure.
Product: Credit reporting or other personal consumer reports

I applied for credit builder account last year to boost credit score. I have had XXXX accounts with them previously. I have never been late on my biweekly account as you will note. However they signed me up for a credit builder plus account which is an additional fee that i was not aware of. I was making my payments to them and noticed were they were taking XXXX a pay period for the same loan so I put a stop payment with the bank. The original loan payments continued and were never late. They reported me to the credit bureau as late and Ive never missed a payment as you will see. I contacted them directly on XX/XX/24 and was on hold XXXX minutes without resolution. This account that was supposed to help my credit and I never missed a payment on has negatively affected my credit
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 

Depending solely on your flawed XXXX XXXX has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the XXXX XXXX that does not even contain my reasons for the dispute is by no ones measure reasonable. XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Dear CFPB Service, I am writing to formally express my serious concern and dissatisfaction regarding the unexpected closure of my Chase bank account. I was neither informed in advance nor given any explanation for this action. Moreover, all my funds remain frozen in the closed account for over ten days, leaving me unable to cover critical financial obligations.

As a result of this unjustified closure, I am now facing severe financial difficulties, including but not limited to : 1. Inability to pay my childs education expenses.

2. Inability to pay my home mortgage.

3. Inability to make credit card payments.

4. Complete lack of access to my personal funds.

Chase Bank had ample opportunity to notify me in advance regarding this account closure, yet I did not receive any prior warning, written notice, or explanation. This has put my family under extreme financial strain, and I demand an immediate response regarding the following : 1. The exact reason for my account closure.

2. The timeline and process for the release of my funds.

3. Why I was not given any prior notice before my account was closed. 

I request an urgent resolution to this matter. If I do not receive a satisfactory response within 10 day, I will be compelled to escalate this issue to regulatory authorities, consumer protection agencies, and, if necessary, seek legal action to recover my funds. 

I expect your prompt attention to this matter and a detailed response at your earliest convenience. Please contact me immediately via the information provided above. 

Sincerely XXXX