23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I received the complaint the response from the Regions Bank with complaint # XXXX whereas the bank did not answer the question about them charging overdraft the same day the overdraft occurred. Because of this situation, I have no alternative but to find another bank. I do n't want to be associated with Regions bank whereas they think only about themselves and not their custom. I am in the processing of changing bank because I was originally with XXXX was a better bank. Regions did not address my concerns. I want the company that oversees banks to see if Regions was violating the laws by putting through the overdraft the same day that the check came through. This was not the case. This is done if you have their overdraft protection. Please have the agency that oversees the bank look into this matter. The response that the bank submitted did not answer my complaint.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$850.00} XXXX XXXX XXXX XXXX {$850.00} XX/XX/XXXX XXXX XXXX XXXX {$1900.00} XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXXXXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE CONTACTED THE CREDITORS LISTED BELOW ABOUT THESE UNAUTHORIZED INQUIRES. I HAVE ALSO CONTACTED THE CREDIT REPORTING AGENCIES ABOUT THESE UNAUTHORIZED INQUIRES. BOTH TO NO AVAIL. THIS IS A VIOLATION OF MY RIGHT TO PRICVACY AND THE FCRA ... ... ... ... ... ... ... ... ... ... ...... 

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

Under the doctrine of estoppel by silence, as established in XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX, XXXX, I have not supplied proof. Therefore, I presume that proof of the alleged debt does not exist, and consequently, the debt itself does not exist.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and found the following item ( s ) to be in error : 1. 5 U.S code 1681i paragraph 5 any information disputed by a consumer found to to be inaccurate or incomplete or can not be verified shall promptly delete from my credit profile or modify that item of information as appropriate based on the results of XXXX XXXX Account XXXX : XXXX this is violation of my rights. please delete from my credit report 2. 15 U.S. code 1681e ( b ) compliance procedures Accuracy of report date opened is not accurate high credit and credit limit is not accurate across all credit bureau date last reported is inconsistent XXXX XXXXXXXX Account Number : XXXX this Is violation of my rights. please delete from my credit report 3. 15 U.S. code 1681e ( b ) compliance procedures Accuracy of report date opened is not accurate high credit and credit limit is not matching across all credit bureau XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 

4. 5 U.S code 1681i paragraph 5 any information disputed by a consumer found to to be inaccurate or incomplete or can not be verified shall promptly delete from my credit profile or modify that item of information as appropriate based on the results of XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.

5. 5 U.S code 1681i paragraph 5 any information disputed by a consumer found to to be inaccurate or incomplete or can not be verified shall promptly delete from my credit profile or modify that item of information as appropriate based on the results of XXXX  XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

6. Identity Theft XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. 5 U.S code 1681i paragraph 5 any information disputed by a consumer found to to be inaccurate or incomplete or can not be verified shall promptly delete from my credit profile or modify that item of information as appropriate based on the results of XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that the credit bureau will recheck these items with the creditor who has posted them.
Product: Debt collection

XXXX We are getting excessive calls, threats and harassment from a collections agency out of XXXX XXXX Georgia XXXX They are representing XXXX, a uniform company that claims that we owe them over {$11000.00} for UNIFORMS! They have called us several times. They told us they would have us put in jail, take everything we own and make sure that we live in a cardboard box. This is harassment. I told them when they previously called that I would try my best to be able to make payments but I do NOT have {$11000.00} just laying around to pay for uniforms when I have other bills to pay and kids to feed and house. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Georgia XXXX Their office number is ( XXXX ) XXXX XXXX Email : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score has dropped 106 point with Equifax. On XX/XX/XXXX it was XXXX and as of XX/XX/XXXX is shows XXXX. The problem is there are accounts that were included in my chapter XXXX bankruptcy that are now showing up as open and showing charge off 's. Two of my First Premier accounts, XXXX shows Charge off, XXXX XXXX XXXX  shows charge off. The chapter XXXX bankruptcy was removed which was discharged in XX/XX/XXXX for these accounts and recent charge offs were added instead which is incorrect. They even went back and changed the payment history to show that I was 30, 90 and 120 days late on accounts such as XXXX XXXX XXXX accounts which as also included in my chp XXXX bankruptcy. This has caused my credit score to drop 106 point. I am only having this problem with Equifax. This company has made a mess out of my credit report. A lot of accounts as I mentioned they changed the payment history during my time of when my chp XXXX  bk was filed in XX/XX/XXXX and then discharged in XX/XX/XXXX they changed to charge-off or that I was 30, 60 or 120 days past due and removed these accounts from showing they are included in the bankruptcy. If I file a dispute they just make things worse and drag it on another 30 days and change something else that was correct or just needed something simple changed that they make worse by putting it has been past due in the last year which is not accurate information. It's unfortunate that I have been dealing with this for months now and it is very frustrating and ridiculous.
Product: Checking or savings account

On XX/XX/2018 I was suppose to have funds transferrd from XXXX XXXX XXXX via XXXX. To another XXXX account. Instead they transfered to my closed account at U.S. Bank. This account was closed XX/XX/2018. Then U.S bank notified me via email that the funds were deposited to my account. How is this if it is closed? We have been going back and forth with XXXX and XXXX XXXX XXXX. No one will help. XXXX says it is the bank. U.S. Bank said if account was closed it would be returned. Still not returned to original account. XXXX XXXX XXXX says wait 15 days then wait 45 days. NOW XXXX XXXX XXXX says they can not help us. Says XXXX fine print says too bad not responsible. The Banks force us to use XXXX. YET THEY DON'T PROTECT US! 
The monies were XX/XX/XXXX Was deposited to U.S. Bank for XXXX XX/XX/XXXX " XXXX XX/XX/XXXX " XXXX One XXXX payment made it to my XX/XX/XXXX account on XX/XX/XXXX These went to U.S Bank because the email was the same on XXXX. We were trying to figure out how to send to XXXX. Several attemps failed. Called XXXX after all this then they tell me I had to delete my account on XXXX and re-enter. No where on its site does it say this. And it is not that easy to find on XXXX XXXX was also unaware of this. 
This does not solve the problem of where is the money??? 
As of right now no one can tell me where the funds went. I was told too bad you used XXXX. HOW CAN THIS BE? Someone has my money. This was somone trying to pay their rent to me. 
I tried calling U.S. Bank and Iget switched to wrong departments.
Product: Debt collection

Hello, I am filing this complaint against the XXXX  credit reporting agency and XXXX XXXX XXXX regarding an erroneous collections account listed with Fidelity on behalf of my previous apartment leasing company. They are attempting to collect rent for months that I have proven I was not living at the apartment, and I also gave ample notice to the landlord that I was going to be moving out of the property. 

I first gave notice to the landlord in XX/XX/XXXX, and then again in XX/XX/XXXX. I had completely moved from the property and was at my new residence by XX/XX/XXXX. The leasing company is trying to say that I was " under contract '' through XX/XX/XXXX, but Ohio courts consistently rule that the landlord has a duty to mitigate and find a new tenant whenever a previous tenant moves out of the property. Even in cases where the tenant vacates only a few months after their initial move-in date, and then only gave as little as three days notice to vacate, the courts still rule with the tenant as long as they have removed all of their belongings from the apartment and are no longer residing there. In my case I had been living at the property since XX/XX/XXXX and first gave notice in XX/XX/XXXX that I was going to be moving out, with another written notice by US Certified Mail in XXXX of XXXX. Since I still had my {$400.00} security deposit on file with the leasing company and had not received it back, I was paid through most of the month of XX/XX/XXXX since the monthly rent amount was {$460.00}. It could even be argued that they still owe me a portion of this security deposit since I had all of my belongings removed by XX/XX/XXXX. In addition, the property is located in a well populated suburb of XXXX where the landlord would have no problem finding a new tenant if they had put forth any kind of reasonable effort to do so. 

I have attached several documents to this complaint asserting that I had indeed moved out by the beginning of XX/XX/XXXX and had given notice that I was doing so. I have also attached supporting court documents showing that I, the tenant, am indeed not liable for any rent after that point. I appreciate any help you can provide me on this since I have presented this info to both XXXX  and Fidelity requesting them to remove the collections account from my credit report and they have thus far been uncooperative in doing so. Thank you and have a nice day.
Product: Debt collection

To Whom It May Concern, This letter serves as my formal complaint against the abusive debt collection practices of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX. 
During the days of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX engaged in the following abusive practices in violation of the Fair Debit Collection Practice Act. 
Repetitious Phone calls telephone records list 25 calls in the said time frame Harassment/Intimidation- I explained my current situation ( I have been diagnosed XXXX and am in the benefits appeal process ) and that i intended to pay despite this to representative  during recorded phone conversation on XXXX XXXX and Representative ( XXXX ) continued to harass and intimidate me into making a payment stating to me : what form of payment would you like to make debit or check? I assume you intended to pay when you made the purchase you will continue to receive calls until payment is made so you dont want my help today I assume you do have a financial source people have to have a financial source to survive collection efforts will continue Many people pay us off- call on friends and family, get a loan, they ask spouse to help there has to be payment on a bill Failure to notify me of my right to receive verification of debt Failure to provide me with a validation notice containing key information about the debt and the consumers rights within 5 days of initial contact, XXXX XXXX XXXX Failure to inform me that I can dispute the debt Failure to provide me with the address and contact number of debt collection agency-I asked the representative ( XXXX XXXX XXXX XXXX XXXX ) for the address of XXXX XXXX XXXX XXXX XXXX, telephone number of XXXX and name of supervisor on XXXX/XXXX/XXXX. She did not provide the requested information to me. 
I returned call to XXXX XXXX ( XXXX representative ) on XXXX XXXX as scheduled and my call was not transferred as requested. 
I have attempted to resolve the issue. I have not submitted a formal complaint to the company, because i was not provided with contact information. 
Your attention in this matter is appreciated. 
Sincerely, XXXX XXXX cc/al Kentucky Attorney General.KY.US Federal Trade Commission.GOV Consumer Financial Protection Bureau.GOV
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX has violated my rights. 

I have reviewed my payment history and I believe he late payments on my account are not accurate. I would like the late payments removed from my account. 

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

15 U.S.C. 1681 Section 604A Section 2, it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

XX/XX/XXXX, {$220.00} tried calling the original creditor and the company they sold it too so they could delete the in accurate information reporting to XXXX, XXXX, and XXXX debt was been pain in XX/XX/XXXX.
Product: Checking or savings account

I open an account with Wells Fargo in XXXX, Nevada on XXXX XX/XX/XXXX. I deposited six checks, the check the bank is stating is fraudulent is from XXXX XXXX XXXX XXXXy XXXX XXXX issued on XX/XX/XXXX check number # XXXX for the amount of {$20000.00}. The check was from XXXX XXXX XXXX XXXX. Wells Fargo has stated this is a fraudulent check will not process this check unless I provide two letters one certified from the XXXX and one from the bank XXXX in which by I was told they do not write letters by the agency XXXX. I have talked to multiple agents approximately six agents from each agency XXXX and Wells Fargo on XX/XX/XXXX and XX/XX/XXXX I finally called the lawyer, who is in my lawyer for the XXXX XXXX XXXX XXXX XXXX XXXX, Lawyers, XXXX, XXXX, and XXXX, XXXX. 
So my checking account will be closed on XX/XX/XXXX due to me depositing a fraudulent check. 
I have been receiving these checks for the last four years. Thank you for your help.
Product: Credit reporting 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 USC1681. 

Account Name : 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 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.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: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, XXXX reported my account as 30 days past due while still in XXXX ( i.e., they reported XX/XX/2023 as 30 days late while still in XXXX. Not sure how an account can be marked past due within the same month that the past due amount is reported. This was disputed with all three credit reporting bureaus ; XXXX and XXXX found XXXX reporting to be incorrect, and thus, my credit report was changed. However, Transunion, after providing the same dispute information and proof provided to XXXX and XXXX, TransUnion still finds and reports XX/XX/2023 as 30 days past due. However, they have my account status for the account markets as Current, Paying as agreed. In XX/XX/2023, XXXX received a payment on XX/XX/2023 ; therefore, regardless, a payment can not be marked 30 days past due when within the same month the payment is due. Transunion 's unwillingness to change this account 's payment history demonstrates an unwillingness to protect the integrity of consumer financial reporting. Further, it demonstrates their unwillingness to side with the consumer due to having financial incentives with financial institutions such as XXXX, which incentives them for siding with the institution over the consumer ; how is it that 2 of the three credit reporting firms found reason to change the credit report, whereas Transunion does not when provided the same information as provided to the other reporting companies.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed that I have late payments on an account that I was never late on. Consumer reporting agencies have taken on a vital role and have the responsibility to have consumer information as accurate as possible. I have never been late on these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please investigate and provide proof with statements documenting that these payments were late. If proof can not be provided I request that these payments be updated or the accounts be removed from my credit report. 
Thank you.
Product: Credit reporting or other personal consumer reports

After I forwarded a copy of the FTC report, it became apparent that XXXX credit bureaus are not obstructing records. I'm sending this complaint to help with the legal response because it's required under FCRA regulation 605b. I will provide over my archives to my lawyer so that they can start a legal action if you choose not to impede the associated items listed below that are providing incorrect answers due to fraud. As it is not my intention to pursue any lawful activity, please abide by the law if it is not too difficult. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CT XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX OCEAN XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two unverified accounts that I have already filed a dispute with directly to the credit bureaus and I never received a response back the properly address the issues. The accounts in question XXXX XXXX # XXXX, XXXX XXXX  XXXX # XXXX I have no records of any type of business. I firmly believe this is also a HIPPA violation as well as a violation of the FDCPA 809. Validation of debts their nonresponse is a little confusing.
Product: Mortgage

I recently refinanced my home with loanDepot. During this process, the Loan Officer XXXX XXXX and I had an agreement : that I will receive {$1000.00} in Lender Credit for the two friends I referred him. Before the referrals, on XX/XX/XXXX, he sent me a Closing Disclosure that showed fees in Section B ( Services Borrower Did Not Shop For ) to be {$1400.00} and a Lender Credit of {$2500.00}. After the referrals, on XX/XX/XXXX, the fees in Section B had increased by {$820.00}, but the Lender Credit had only increased by {$1400.00} ( the Lender Credit should have increased by {$1800.00} ). In other words, {$320.00} of the {$820.00} fee increases in Section B were not compensated for. My understanding of TRID rules is, if fees in Section B change from one disclosure to another, the lender needs to make up for the difference. 

My family has brought up this issue with the Loan Officer XXXX XXXX and his supervisor XXXX XXXX on XX/XX/XXXX. XXXX XXXX has agreed that {$320.00} should be refunded. However, they have stopped responding after XX/XX/XXXX. Emails to them on XX/XX/XXXX and XX/XX/XXXX have not been returned.