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

On XX/XX/XXXX I authorized a transaction for attorney services to be provided to me by XXXX XXXX XXXX XXXX office. The attorney had agreed to file my divorce papers in the court but did not file any papers in the court. I had followed up multiple times but I didnt get any response and was cited various reasons ( computer carshed, death of relative etc ) later. I contacted the merchant on XX/XX/XXXX after waiting patiently and she denied to return the amount I disputed the transaction on XX/XX/2020 but the bank has now denied my dispute mentioning that my transaction is authorized. This case is about services not provided to me by the merchant and charged me XXXX $ for the same. I sent all the communication to bank mentioning how merchant failed to provide the service and negligence on the behalf of providing service by merchant but I have been denied the refund. 

Attaching all the communication with merchant for reference
Product: Checking or savings account

Bank of America has started charging our account Overdraft fees on small, one-time debit card transactions just this year, without our opting in. We have had the account since   XX/XX/XXXX , did not  opt-in for overdraft protection, and became alarmed when we were getting hit with stacked, cascading Overdraft charges since the begi nning of  XX/XX/XXXX .      Upon looking into this, we found that this is an illegal practice since   XX/XX/XXXX  - the b ank CAN NOT extend overdraft charges on debit or ATM withdrawals if they did not provide explicit, written explanation of their overdraft program, allow the customer to affirmatively consent to the program, agree to the fees, and then provide documentation of the customers written consent.     We called BOA and requested copies to show any evidence that we opted in, which they were unable to supply. The only documents we were given were a basic account opening document with not even a mention of any Overdraft protection program, let alone the legally required, separate notice outlining the program.     We called again, and were told they could not reverse our charges without our lodging a complaint.     This is very likely happening to many customers, and needs to stop, and all illegally obtained charges need to be reversed.     htt ps : //www.helpwithmybank.gov/get-answers/bank-accounts/overdraft-fees-and-protection/faq-banking-overdraft-13.html
Product: Credit reporting or other personal consumer reports

I am formally disputing the XXXX XXXX Bank account ( Account XXXX : XXXX ) ** on my credit report due to its inconsistent and inaccurate payment history. Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure that all information reported is accurate, verifiable, and consistent. The payment history on this account contains " Unknown '' notations and conflicting statuses, which violates multiple provisions of the FCRA. 

Violations of the FCRA : Failure to Ensure Accuracy 15 U.S.C. 1681e ( b ) Credit bureaus must maintain reasonable procedures to ensure maximum possible accuracy in consumer reports. 
Reporting an account with inconsistent payment history and unexplained " Unknown '' entries violates this requirement and creates an inaccurate and misleading credit report. 
Obligation to Reinvestigate Disputed Information 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) When a consumer disputes an account, the credit bureau must conduct a reasonable reinvestigation and correct or delete any inaccurate or unverifiable information. 
Since the payment history contains unclear and conflicting data, XXXX has failed to meet this standard. 
Requirement to Delete Unverifiable Information 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) If the accuracy of disputed information can not be verified, it must be deleted from the consumers credit report. 
If XXXX can not provide clear and consistent payment history records from XXXX XXXX Bank proving this account is valid, it must be removed immediately. 
The continued reporting of this inconsistent and unverifiable information is a direct violation of the FCRA. I demand that this account be immediately removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is an account that is more than 7 years old. 

XXXX XXXX is more than 7 years old. 

XXXX XXXX credit is not my account. 

Neither of these three items should be showing up on my credit reports according to the Fair Act Credit laws... XXXX and XXXX XXXX are more than 7 years old and should be completely removed from my credit reports and not showing up as closed they should be completely removed from XXXX, TransUnion and XXXX... First Access has been sold to a third party and was not even mine to begin with, yet it is still showing on my credit reports... How many times must a consumer contact the credit bureaus before those at the bureaus abide by federal law and practices... I have put in complaints through your office at least three times ... .. Will you put a stop to the nonsense of the three credit bureaus that continue to put items on my credit that goes against the fair credit laws ..... Thank you for taking out the time to read my complaint... Have A Wonderful Blessed Day
Product: Credit reporting or other personal consumer reports

I had co-signed for son in law for a vehicle loan. The vehicle totaled and the insurance company took a while to pay off the loan. There were several more years left to pay on the loan. Large sun payments were made on the loan in XXXX and letter was sent to my son-in-law XXXX business days prior to the XXXX credit union reporting it on my credit report. The insurance paid what the vehicle was worth and gap insurance paid the remaining balance owed at the time of total loss. XXXX XXXX XXXX claims that they spoke with my son-in-law and they informed him that he would accrue interest. They also said that they sent me letter which I never received. They told me in email that contract conditions were not changed and loan is still open but after payments being made, they still reported this on my credit report. I am being left with no choice herebut to seek legal support if cfpb is unable to help. I have a major investment that I need to make and am now unable to after XXXX XXXX XXXX destroyed my credit. I can provide precise details that I have captured for an attorney if needed. There was never a late payment prior to the total loss and I feel that the credit union is trying to advantage of people.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I submitted a dispute to Experian on XX/XX/2020 disputing a few inaccuracies on my credit report. Experian failed to provide any results into my investigation via mail within the 30 day allotted by law. On XX/XX/2020, Experian sent me a online notification via my Free Experian account informing of an " Update ''. I NEVER received any " Dispute Results '' to date. They are notorious for disregarding consumers and not investigating these issues in a correct and ethical manner.
Product: Money transfer, virtual currency, or money service

Big problem trying to resolve any issues due to the inability to speak with live agent
Product: Mortgage

I was placed on an forbearance from my mortgage company Standard Mortgage for XXXX  months beginning XX/XX/XXXX to XX/XX/XXXX with a timeline of 90 days. I was told by my counselor that after the 90 days those missed payments would have to be paid in full. So at that time my husband was out work, so I needed to request for a second forbearance. After speaking to my counselor to extend the time he did so. On XX/XX/XXXX I received an email from my counselor that my forbearance had expired and payments needed to be resumed. No one ever explained how the forbearance works or never insisted that I could make payment arrangements to get caught up. Instead I was sent to my house a letter from Standard Mortgage certified mail that my home would be in foreclosure by the end of XX/XX/2021 if forbearance months which was XXXX months payments was not paid. Therefore I had to move fast and withdraw from my XXXX so that I would not loose my home! Standard Mortgage of XXXX XXXX is one the worst mortgage companies l have encountered and heard of during this pandemic not only now but previous account status has not been been actuate for instant my amortization schedule that is not on schedule today!
Product: Debt collection

XX/XX/XXXX I called into XXXXXXXX XXXX seeking some kind of cure to this fraudulent account. My identity was stolen in XXXX and the card was opened in XXXX. The phone numbers dont match with my phone number that I use. They cant prove it me at all I already sent them a ftc report back in XX/XX/XXXX or XX/XX/XXXX they removed it then placed it back on my reports. This account was not opened by me at all and its been damaging my credit for years. They have caused substantial damage to my credit report resulting in me getting denied for cars and credit cards or I could get a car and it would be at a high rate or the credit cards all would have high rates 21 percent all because of this account be placed on my account. They told me they was taking it off in XX/XX/XXXX and still a month later they did not. I just called them today and was given the run around from the Fraud department of XXXX XXXX to there debt collector thats not with XXXX XXXX  back to the collection agency with XXXX XXXX then they told me to wait to talk with the security team and said it was going to be a 30 min wait and it turned out to be a 2 hr wait two days in a row they did this to me. I have inserted the call from XXXXXXXX XXXX that states they had me on hold and didnt let me talk to anybody from the security team. I also inserted the credit profiles they are on XXXX and TransUnion
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX None of these accounts are listed on any of my addresses and is totally fraudulent and illegal. These must be removed asap! 

Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, XXXX, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through Transunion, XXXX, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX must be removed IMMEDIATELY IT IS PAST THE STATUE! 
XXXX  XXXX bankruptcy : Bankruptcy XX/XX/XXXX XXXX XXXX Balance {$600.00} Date Opened XX/XX/XXXX Capital XXXX Balance {$2100.00} Date Opened XX/XX/XXXX XXXX XXXX  Balance {$4300.00} Date Opened XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Hotel and travel ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX
Product: Debt collection

I received mail from FIRST FINANCIAL ASSEST MGMT, INC on XX/XX/2021. 
FIRST FINANCIAL ASSEST MGMT, INC stated I owed an alleged debt. 
In this letter it was NEVER STATED I HAD THE RIGHT TO DISPUTE WITHIN 30 DAYS Pursuant To Title 15 U.S. Code 1692g ( a ( 3 ) FIRST FINANCIAL ASSEST MGMT, INC never stated I HAD A RIGHT TO HAVE VERIFICATION/JUDGMENT MAILED TO CONSUMER Pursuant To Title 15 U.S. Code 1692g ( a ) ( 4 ) Also also FIRST FINANCIAL ASSEST MGMT, INC never stated THEY WOULD PROVIDE NAME & ADDRESS OF ORIGINAL CREDITOR IF DIFFERENT FROM CURRENT CREDITOR Pursuant to Title 15 U.S. Code 1692g ( a ) ( 5 ) Also FIRST FINANCIAL ASSEST MGMT, INC says this alleged debt is owed to XXXX XXXX Stating that is false and misleading representation Pursuant to Title 15 U.S. Code 1692e ( 2 ) FIRST FINANCIAL ASSEST MGMT, INC HAS VIOLATED MY CONSUMER RIGHTS ACCORDING TO FEDERAL LAW! 
FIRST FINANCIAL ASSEST MGMT, INC Is XXXX  XXXX & XXXX ACCORDING TO FEDERAL LAW AND Title 15 U.S. Code 1692k.

Title 15 U.S. Code 1692k a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; or
Product: Checking or savings account

This complaint serves as follow-up to the refund of my closed savings account balance in the amount of {$5000.00}. The savings account was closed by Chase on XX/XX/2020. While the account was open, I deposited three personal checks on the Chase mobile application to fund my savings account. 
The XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX, confirmed that three of my personal checks posted in my checking account and were paid in full to Chase for the savings account, prior to its closure on XX/XX/2020 for check # XXXX for {$2000.00} and check # XXXX for {$2000.00} and on XX/XX/2020 for check # XXXX for {$1000.00}. XXXX advised me on XX/XX/2020 to check-in with Chase immediately for a refund since the funds were already deposited. 
On XX/XX/2020, I was informed by customer service that a cashiers check would be mailed for the full balance of {$5000.00} within 7-10 days from the date of closure to my home address. The 7-10 day window has passed and I have not received a refund of my savings account balance for {$5000.00}. I request that CFPB assist with the recovery of my funds from my closed savings account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : XXXX, XXXX  XXXX : XXXX, XXXX  : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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: Debt collection

On XXXX/XXXX/16 I placed a call to the Agency In an attempt to request validation & verification on said Debt that they allege I owe. I requested the Agent to provide to me their Business License in the state of Massachusetts and I was instructed to 'contact ' the 'District Attorney '. 

The Agent placed me on an extended hold in an attempt to get me to hang up.
Product: Mortgage

Applying for existing mortgage, bank refusing to disclose the financier of the mortgage. Home owner called bank asking to disclose the required information, bank not willing to disclose. 
I have a change in circumstances since the origination of the mortgage, including the following : 1. Divorce in XXXX, ex spouse refusing to update financials to mask increase of income, therefore creating a financial hardship for the last 15 years. 
2. I have a medical hardship, XXXX XXXX 
3. I have a loss of income due to XXXX for the last two years to current, XXXX XXXX XXXX XXXX XXXX XXXX. I was not able to work due to XXXX. 
4. I do not have the income to pay the current month of XXXX, and am in a financial hardship, by no fault of my own. 
5. I am paying my lack of income via my credit cards, up to {$10000.00} at this time. 
6. My home us underwater, home is lost value due to nation financial home crises. 
7. Banco Popular the servicer has a history of not answering CFPB complaints, thus creating a artificial barrier to entry, and a form of home mortgage discrimination.
Product: Credit reporting or other personal consumer reports

I appreciate your assistance in getting some fraudulently obtained material from my credit file deleted but there are still things that I haven't had removed or banned. As mandated by FCRA section 605, you must remove any records that appear on an ID THEFT REPORT. I am proactively including this report again because I proactively remembered it from a previous letter. I have informed my attorney of my intentions, and they are willing to hold you accountable for your repeated disobedience. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I discovered multiple hard inquiries on my credit report that were not made by me. ''
Product: Debt collection

I am writing to file a formal complaint against LVNV Funding, LLC regarding their collection activities related to my consumer report. I believe that their practices have been unjust and in violation of my rights as a consumer. I have been receiving collection communications from LVNV Funding, LLC, Resurgent  and XXXX XXXX XXXX, whom i have never heard of or had any contract with, demanding payment for a debt that I am not entirely certain about. Despite my requests for verification and validation of the debt in accordance with the Fair Debt Collection Practices Act ( FDCPA ), I have not received any substantial evidence to confirm the validity of the debt they are attempting to collect. I kindly request that the Consumer Financial Protection Bureau investigate my complaint against XXXX XXXX, XXXX. I believe that their actions have not only been unfair, but also potentially illegal, and I seek resolution and appropriate action to rectify this situation. 
At this point I do not know what to do as there inaccurate reporting on my consumer file is hindering by ability to purchase my first home. Thank you for your time and assistance in the matter.
Product: Debt collection

My Identity Information has previously been compromised and used to open several accounts and inquires without my permission. These are just some of the accounts that were opened that I do n't recognize.
XXXX XXXX XXXX XXXX XXXX Emergency Medical Date opened- XXXX XXXX, 2016 Balance-XXXX This account is fraudulent and needs to be removed off of my credit files with XXXX, XXXX and XXXX.
Product: Credit card or prepaid card

Based on what I heard from Citi Cards " 2 customer services representatives '' and 2 supervisors, the company closed my account on XX/XX/XXXX due to a balance of approximately {$0.00} without any notifications by email, by regular mail, or by phone. ( between {$0.00} and {$1.00} - all information including my past transactions had already vanished when I logged in to my Citi thankyou Preferred Card account XXXX XXXX XXXX XXXX ). 

I spoke with the 1st supervisor on XXXX and he told me the account cancellation notification already sent to me in the year of XXXX. The supervisor from Citi Cards customer services claimed " the past notifications '' will send to my address after I requested to view the notification of my credit account cancellation. However, I received nothing after 1 month, so I contacted Citi Card customer services on XXXX and spoke with another supervisor again to request to mail the notification to me. What I received is " Account Update Notice '' -- - " Thank you for contacting our Customer Service Team. This account was closed effective XX/XX/XXXX ... '' ( Please see attachment of Citi Card Account Update Notice ). I don't know both supervisors try to fool me around or play games with me just for wasting my time. 

I also include attachments for the information of " twice '' confirmations of account cancellation and the list of past emails from Citi Cards for the card account mentioned above. There is no credit card account cancellation notification email at all. I deeply feel my credit account was cancelled due to result of discrimination. My guess was reasonable due to the result of not receiving the cancellation notification and nobody was able to tell me the reason for the cancellation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was victim of identity theft and an chase account was opened under my name and now it shows up on my credit report and I need that removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit reports form Equifax and XXXX  and they are reporting accounts that violates my federal rights as a consumer. I sent them a letter addressing these accounts to bring it to their attention. They have not responded to my letter and still have the accounts reporting on my credit report. This situation is frustrating me and causing a tremendous amount of stress in my life. First, I did not give the my written consent to report the accountspursuant to 15 USC 1681b ( 2 ). Second, they have violated my privacy by sending my personal information to data furnishing companies that I also DID NOT give my written consent to have pursuant to 15 USC 1681a ( 4 ). Using my personal information without my consent is identity theft and is punishable under federal law pursuant to 15 USC 1681n.