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

ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Compliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or XXXX XXXX Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not.

I would like to forge forward with a righted disputation challenging what likely is an inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting.Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey : The following allegations each require immediate deletion, do so now and here!
Product: Debt collection

I have been receiving no less than three calls a day from the same company they never leave a message and when I try to call them back there 's no one speaking XXXX for me to talk to and I get hung up on. I think it may be someone who 's trying to collect for Debt but I do pay my bills. Also, I think that because of the incessant calling it must be a collections call but its ridiculous because they do n't even leave a message.
Product: Checking or savings account

Regions Bank sent me an email about a promotion they were offering due to the coin shortage impacting the US. They were waiving fees for loose coin bought to the branch to sort and count it. On XX/XX/XXXX I took a bag full of loose coin for deposit. I dont know the total but estimate its about {$150.00}. I signed a form and provided my deposit slip and was told by the teller I would see a deposit with 1-2 weeks after the bag is sent to the main vault. After waiting and seeing no deposit, I contacted the branch by phone on XX/XX/XXXX. They opened an investigation. I never heard back. I visited the branch on XX/XX/XXXX and was told they do not know what happened. There were no notes on the ticket opened for the investigation. I was told to wait until Monday XXXX to follow up again. There seems to be no sense of urgency locating my money and making the deposit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act the following accounts have violated my right. 

XXXX XXXX XXXX Act # XXXX XXXX XXXX XXXX Act # XXXX XXXX XXXX Act  # XXXX XXXX XXXX Act XXXX XXXX XXXX U.S.C 1681 Section 602 A, states I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions. These accounts do not belong to me.
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of Incorrect Information Due to Violations of the FCRA and CFPA Dear CFPB Representative, I am writing to you under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ) and the Consumer Financial Protection Act ( CFPA, 12 U.S.C. 5531 and 5536 ) to formally dispute and demand the immediate removal of an incorrect negative account from my credit report.

I have been a victim of unfair practices and demand the immediate removal of this negative account.

Your company has committed multiple violations of federal law, as already recognized by the Consumer Financial Protection Bureau ( CFPB ). Due to these negligent and fraudulent practices, my credit history has been severely damaged, causing me financial and personal harm. 

As a result of these errors and failures in managing credit information, I demand the immediate removal of the negative account reported on my credit file.

Violations Committed by Your Company 1. Failure to Conduct a Proper Investigation of My Disputes ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ) I submitted a dispute regarding incorrect information on my report, but your company failed to conduct a fair investigation or correct the errors. 
2. Reinsertion of Previously Deleted Information ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ) A negative account that was previously removed has reappeared on my report without justification or prior notification. 
3. Inaccurate Reporting and Lack of Quality Controls ( 15 U.S.C. 1681e ( b ) ) Your company is required to maintain procedures to ensure the accuracy of credit reports. However, due to defective systems and verification failures, my credit history has been unfairly damaged. 
4. Deceptive Practices in Communication with Consumers ( 12 U.S.C. 5536 ( a ) ( 1 ) ( B ) ) In response to my disputes, I have received contradictory and misleading information, which constitutes an illegal practice. 

Negative Account That Must Be Removed Below is the account that has been incorrectly reported and that I demand be immediately removed from my credit report XXXX XXXX XXXX XXXX ( Partial Acct # XXXX ) This account was previously removed from my report, yet it has been reinserted without proper notification or justification, violating FCRA regulations. 

I Demand Immediate Action Since the CFPB has already fined XXXX {$15.00} XXXX and has sued Experian for these same practices, your company has already been found guilty of similar violations.

Therefore, I demand the following : 1. Immediately remove the XXXXXXXX XXXX XXXX  account from my credit report. 
2. Provide me with an updated credit report reflecting these changes.

3. Cease any reinsertion of incorrect information in my credit history.

If you fail to comply with this request within the legal 30-day period under the FCRA ( 15 U.S.C. 1681i ( a ) ( 1 ) ), I will file a formal complaint with the CFPB and consider legal action for damages.
Product: Checking or savings account

I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized. However, due to delayed posting of charges and credits, I was unfairly charged overdraft fees. 

This issue appears consistent with recent filings by the CFPB, which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds. I feel these practices are deceptive and unfair.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Debt and Request for Validation Dear JEFFERSON CAPITAL SYSTEM LLC I am writing to formally dispute the debt that your agency claims I owe, referenced by the reported account on my Credit report According to the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of this debt, and I hereby request that you provide me with the following : 1. Verification of the debt including the name and address of the original creditor. 2. Proof of my obligation to pay the alleged debt, such as a signed purchase agreement or contract.

3. An itemized statement showing how the alleged amount was calculated.

Upon reviewing my records, I do not recall ever entering into any agreement or making any purchase that would result in this debt. Without proper documentation to substantiate the validity of this claim, I believe this debt to be inaccurate and unauthorized.

I request that you cease all collection activities related to this matter until this debt is properly validated. Furthermore, I request that you notify any credit reporting agencies to which you have reported this debt that it is currently in dispute, as required by law.

If the company can not provide the requested documentation within 30 days of receipt of this letter, I will consider this debt to be invalid. Failure to validate the debt will result in my seeking legal action to protect my rights under federal law. Potential actions may include, but are not limited to : Filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for violations of the FDCPA.

Pursuing legal remedies for any damages caused by the inaccurate reporting of this debt to credit bureaus.

Seeking compensation for emotional distress and financial harm due to the improper collection practices.

Please respond to this dispute and provide the necessary documentation to the address listed above. I look forward to your prompt response to this matter. 

Sincerely, XXXX XXXX Refused to provide The purchase agreement
Product: Checking or savings account

PNC has discontinued money transfers through mediums like XXXX, XXXX and XXXX. There is no way to send or receive money without using a check. In today 's world that is unacceptable. I now have to link credit cards which require a transaction fee.
Product: Credit reporting or other personal consumer reports

Hello my Name is XXXX XXXX XXXX & 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- Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  # XXXXXXXX XXXX XXXX  Account # 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 rep
ort 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. 

Do to these inaccuracies I am behind on several projects due to not being able to refinance my home or get approved for any type of loans pls help.
Product: Credit card

I opened a new card ( number ends in XXXX ) with Citibank in XX/XX/2024. I made a {$3000.00} balance transfer due to a 0 % interest rate promotion with a {$90.00} balance transfer ( {$3000.00} balance ). During XXXX, I made purchases on the card which have a 19.24 % interest rate. The statement closed on XX/XX/XXXX, and received my statement that showed my purchases up to that date of {$1100.00}, but on my XXXX statement it did not show this amount subject to interest rate, it showed {$0.00} for purchases and {$450.00} for balance transfer. My minimum payment was {$43.00}, which I paid on XXXX XXXX. I made additional payments on the card from XXXX XXXX for a total of {$340.00}. After the purchases were posted to my account, I called Citibank on XXXX XXXX to ask for information on making an additional payment of {$1500.00}. The Citibank representative informed me that my minimum payment would only apply to the lowest interest rate charge which was the balance transfer. I asked him if I made an additional payment of {$90.00} and {$1500.00}, would the {$1500.00} be applied to the higher interest rate charges to which the representative affirmed it would. So, I made two payments on XXXX XXXX of {$90.00} and {$1500.00} assuming these would cover my higher interest rate charges and little bit of the balance transfer. I received my XXXX statement on XXXX XXXX after it closed XXXX XXXX, and I was charged {$5.00} in interest. Additionally, the statement stated that {$340.00} in purchases and {$2700.00} in balance transfer was subject to further interest rate charges ( 19.24 % for purchases, 0 % for balance transfer ). I called Citibank today XXXX XXXX to resolve this. They stated they would remove the {$5.00} interest claiming it was a technical issue, but they refused to apply the previous payment of {$1500.00} to any of the {$340.00} because they were posted to this statement. I was provided incorrect information from the bank on the XXXX XXXX call, and they failed to apply a payment to higher interest charges, which in my view was done to make more money. They informed me to check back in XXXX business days as they stated they will find and review the recordings of the XXXX XXXX phone call.
Product: Credit reporting or other personal consumer reports

I SAW SEVERAL YEARS BACK A CREDIT INQUIRE FROM AMERICAN EXPRESS ON. MY CREDIT FILE AND CONTACTED AMERICAN EXPRESS FRAUD DEPARTMENT AND THEY SENT ME DOCUMENTS FOR ME TO SIGN AND SO I DID AND I SENT THEM BACK TO THEM BACK A LINK IN MY EMAIL, SEVERAL WEEKS LATER I GET A EMAIL RESPONSE STATING ALL ACCOUNTS ARE CLOSED AND IM NOT RESPONSIBLE AND THEY WERE DELETING THE ACCOUNTS FROM MY CREDIT TRADE LINE. THEY DID ON XXXX AND BUT NOT ON XXXX AND XXXX XXXX. NOW IT HURTING MY CREDIT, I HAVE CONTACTED LAWYERS CONCERNING THIS MATTER AND THEY SAID GIVE AMERICAN EXPRESS TIME TO REMOVE IT IF NOT WE WILL FILE SUIT. PLEASE REMOVE THESE ACCOUNTS FROM MY CREDIT FILE, IM A SENIOR AND ITS REALLY HURTING ME.
Product: Mortgage

I have ( TWO ) complaints. 
On XX/XX/18, I got a letter from Ditech in reference to My annual Escrow Account Disclosure Statement ; It stated that my account has a shortage of $ XXXX, of which I could pay the full amount or spread it out over a 12 month period at $ XXXX per. month. 
On XX/XX/18, I send a one time payment of $ XXXX instead of spreading the payments out. In doing this my New monthly Mortgage would be $ XXXX.In XX/XX/2018. 
Surprisingly to say Ditech conveniently ignored my earlier deposit and factored it into my XXXX mortgage to a new total of $ XXXX. Setting me up for disputing my monthly payments on tack for foreclosure. 
So I see a pattern to date.I have previously lodged a complain about how Ditech still owed me $ XXXX for monthly contribution of $ XXXX I have made, part of an Incentive of the Home Affordable Modification, under the Borrowed Incentive as long as the loan was not 90 days delinquent which to this day never missed a day. XXXX XXXX   along with Green Tree collected it, passed it on to Dietech ; but no one is addressing this problem. 
Interestingly to know that the interest rate that is to click in after so many months have been on time never misplaced but my contribution that will eventually help to pay off my mortgage is not attended to. 
So on these two points ; please have Ditech address these for me.
Product: Checking or savings account

I was logged into my Chase bank online XXXXPremiere Plus ' account looking into ordering printed statements and looked into making a multi-year order to make it a simple one-time request. There was a vague statement about " you may be charged a fee '' but no confirmed price or order confirmation for the statements being {$6.00} each when I clicked through the statement menus. On XX/XX/, 2019 I  awoke to find XXXX {$6.00} charges for the statements deducted from my checking account. My issue with this situation is that I was not able to submit a confirmed order for the statements and confirm the price before placing an order. Chase should make a clear and transparent checkout system for customers who are ordering statements or other products online instead of charging " hidden fees ''. There is absolutely no reason that Chase can not provide a checkout system for customers that clearly lists out all fees before a customer chooses to place an order. I called Customer Service and they were not able to resolve my issue.
Product: Debt collection

In XX/XX/XXXX, I received a letter from ACI attempting to collect a debt for XXXX. As I do not have any outstanding debts with XXXX, I sent a letter requesting validation. In return, I received a letter from XXXX stating that I opened an account under email address XXXX on XX/XX/XXXX. This is not nor has it ever been my email address. XXXX refuses to speak with me directly regarding this false debt because I " am not the owner '' since I can't log into the XXXX account. I can not do that, because I don't have access to an email address that isn't mine. I refuse to pay something that I legitimately do not owe and for them to contract a collection agency to add to my credit profile is damaging, to say the least. I'm not sure how this account was created and if it was whether it was created with my name ONLY, or with my SSN or bank information. I do not understand how I can be held liable for debts that I. Again, I can not obtain ANY of this information from XXXX even though this is supposedly my account.
Product: Credit reporting or other personal consumer reports

While I was on XXXX XXXX XXXX, a creditor wrongfully accessed and misused my credit report, reporting inaccurate late payments and debt collections that occurred during XXXX XXXX This action violated both the Fair Credit Reporting Act ( FCRA ) and the Servicemembers Civil Relief Act ( SCRA ), which protect servicemembers from financial harm during their military service. This wrongful use of my credit information has caused unnecessary harm, and I am seeking to have these errors corrected according to my rights under the law. After the time served i was extended all the way till XXXX new set of orders which intern gave me some financial restraints because of the lapse and changes of my XXXX times please update my payments to paid on time!
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE ALL ACCOUNTS! AS PER THE GUIDANCE FROM CFPB THE DOCUMENT NEEDED AS A LETTER FROM THE ADVOCACY GROUP HELPING ME DUE TO XXXX XXXX-DEBT FINAL RULE 1002.142 ( B ) ( 4 ) -5-1002.142 ( B ) ( 7 ), I KINDLY REQUEST THAT YOU BLOCK ALL INFORMATION FROM MY CREDIT REPORT WITHIN 4 BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. I AM A VICTIM OF XXXX  XXXX  OF DEBT BONDAGE AND WOULD LIKE FOR ALL LISTED ACCOUNTS TO BE BLOCKED AND DELETED FROM CREDIT REPORT! PLEASE DELETE THE FOLLOWING ACCOUNTS XXXX XXXX XXXX XXXX XXXX {$1800.00}
Product: Debt collection

I dispute this amount sought and debt in the entirety. XXXX and XXXX  has been harassing me for over twenty years now and this shenanigans need to stop. Theyre abusing the courts and using scare tactics against XXXX XXXX people. Ive been a XXXX member since 2018 and they did not authorize XXXX and a XXXX to collect any debt on their behalf. 
XXXX and XXXX can not validate the debt that they are suing me for
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date XXXX inquiry : XX/XX/XXXX ; XXXX XXXX/XXXX  XXXX  XXXX XXXX XXXX : XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  XXXX  Date of inquiry : XX/XX/XXXX ; XXXX/XXXX Date of inquiry : XX/XX/XXXX ; XXXX/XXXX XXXX  XXXX  Date of inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX/XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  XXXX XXXX  XXXX  Date of inquiry : XX/XX/XXXX ; XXXX/XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX/XXXX Date of inquiry XXXX XX/XX/XXXX ; XXXX XXXX Date of inquiry XXXX XX/XX/XXXX ; XXXX  XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX T Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry XXXX XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX/XXXX Date of inquiry : XX/XX/XXXX ; XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX OF XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX  XXXX Account Number : XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I took out this loan almost 3 years ago and they are telling me that only {$600.00} went to the principal balance. I borrowed {$3700.00} and paid them loan fees on top of that and they have been taking out {$99.00} a month and I have paid back {$3000.00} and they have only put {$600.00} towards the principall and telling me I have 5 years to go!! this is not fair and feels like predatory lending at it's finest
Product: Credit reporting, credit repair services, or other personal consumer reports

In Q1 XXXX, I was informed that 'I ' defaulted on a private student loan taken out back in XXXX. The remaining balance was XXXX dollars. I paid the balance, but my credit report never reflected a paid-in-full status. I called the company multiple times, but they refuse to update the information. 

At the same time, they claimed I defaulted on another loan with a balance of about XXXX. This loan showed an origination date back in XXXX as well. The records they sent me indicated the loan was placed into deferment without my consent or knowledge when I went to XXXX  school in XXXX, and it was only after I graduated in XXXX that they approached me about the default status in Q1 XXXX. These documents also showed that they were not the real party of interest since they couldn't prove ownership after they purchased the loan from another originator. Yet, this item remains on my credit report after they closed the account with a collections/charge-off status, stopped reporting it, and sold it to another company that does not report this to the bureaus. The company refuses to remove the item. 

The company is XXXX. I've disputed this with Transunion and XXXX  multiple times, but they refuse to update the information.