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

Bank of America has started not tallying your purchases over the weekend, so now, on Monday, you get slaughtered with charges. If you're not keeping track of each time you swipe your card and balance your checkbook like it's 1980, they'll hit you with a bunch of overdraft fees. 

This is new. Even just two months ago, your card would get declined ( even on the weekend ) when you exceeded your balance. Sure, there were the occasional charges/merchants charges that didn't go through until the next business day, but it was rare. Now it's basically every single charge that happens over the weekend. 

It looks like a scheme to get more overdraft charges to me. I know the industry lost that as a revenue-generating source, and this appears to be a new way to claw back at those poverty profits.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Experian over 20 times on XX/XX/XXXX. I was trying to speak with someone about disputing an erroneous address on my credit file. I was unable to speak with anyone, as the call kept dropping after 2-3 seconds. I attempted to dispute the wrong address on the website, but received an error message. 

Also, I had some questions about my membership, but I was unable to speak with a rep.
Product: Debt or credit management

I have a deadline at the end of XXXX to get the final approval for a home loan to keep my family home, which I have been trying to keep after a long period of being in court for almost XXXX years. I contacted the separate credit bureaus to find out what options I had to expedite this process to fix my credit after being scammed by a supposed credit repair entity. I was told by a representative to start the dispute and contact the bank directly. The bank in question said on their end they have submitted the information that my debt has been settled in full to the bureaus and provided me a letter to corroborate this information. I called the credit bureaus again to only be told that I could not upload the new documents and had to mail it. As I stated before I do not have the time to do so because of my time-sensitive situation. It's been a lot of phone calls with different information with no consistency. I understand the need to follow policy, but it has been made clear that not XXXX representative is really listening to my needs and just providing basic answers to get through the call. I am doing everything I can on my end to fix my credit and repeatedly I have been given different information that hinders me more than helps me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In directly violation of the FCRA, Santander XXXX XXXX continues to update the reporting of the delinquent account being reporting to the consumer reporting agencies. 

The 7-year reporting period shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. 

I am requesting that Santander review my file and furnish accurate and true information to the consumer reporting agencies that complies with the requirement of the FCRA.
Product: Credit reporting or other personal consumer reports

My information or data has been compromised by by XXXX data breach and another company called XXXX took my information and said they've completed my credit repair that I never asked for? Because of this my bank had me re-verify my identification causing more financial Hardship due to the closures of my bank accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not have an account with XXXX XXXX I never opened an account with them and really unsure why they are reporting on my credit a Open account.
Product: Payday loan, title loan, or personal loan

On XXXX I applied fro a loan online with Credova Fin . That requested a picture of my ID, cancelled check and a selfie of me holding my ID. I sent them all three picture. Them then came back and requested a picture of my social security card which I would not send them.I received three approval letters via email today stating I was conditionally approved for XXXX offer. I called them to inform them that I would not send them a picture of social security card.I offered to send them a copy of the first page of my tax return and they said that was unacceptable and the denied the loan. Sound fishy to me.
Product: Debt collection

I am not the person that owe this debt. They are contacting me on my work number and leaving a message on my voicemail ( where I say my name ). However, they state the person 's name they are trying to collect the debt from in the voicemail. I believe this is breaking soem sort of privacy protection laws under the FDCPA by leaving a message about someone 's debt on a voicemail that clearly does not belong to that individual.
Product: Money transfer, virtual currency, or money service

At XXXXXXXX  on XX/XX/XXXX, two pending XXXX payments from our Chase Business checking account to the name XXXX. One transaction was for {$1400.00} and the other was for {$1500.00}. Neither myself or my business partner have knowledge of XXXX. I contacted Chase immediately by phone, and was told that a fraud investigation would be started and that our account would be credited back in 4-5 days. Later my business partner discovered that his personal computer had been hacked and that it made it appear that the XXXX contact had been added by him ; it was not added by either business partner.. 

On XX/XX/XXXX, a letter from from Chase indicated : We found that the transaction ( s ) was processed according to the information you provided or was authorized. 
No adjustment will be made to your account at this time. 
Contact us if you would like to request the information we used for our research. 

I followed up with Chase at the phone number they provided, and the representative said there was nothing else they could do. 

I followed up with XXXX, and XXXX will not take any type of action unless you are using the XXXX XXXX, if it is XXXX through your bank then XXXX directs you to contact your bank.
Product: Credit reporting or other personal consumer reports

I'm very much thankful that the inquiries I requested to be removed were indeed mostly removed, though, there were still four more that I need to remove from my credit report. Please see these inquiries that needed to be removed within 15 days time : EQUIFAX : XXXX, XXXX XX/XX/2023 XXXX, XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX : XXXX XX/XX/2023
Product: Mortgage

I have a second mortgage that was sold to GreenTree by XXXX XXXX XXXX. Since being past due due to financial difficulties I requested to have I the mortgage loan refinanced. As part of the over the phone interview processed I was asked to provide my spouse income. I explained to the Green Tree representative that my husband is not on the current loan and that I did n't want to use his income for the application process. Only my income which has always been the case will be used to repay the loan. Being in banking I feel that this violates Regulation B __ECOA ( 12 CFR 202.5 ) regarding rules regarding the request for information about a spouse. The Green Tree representative refused to take my application since I would not disclose my spouse income.
Product: Credit reporting, credit repair services, or other personal consumer reports

1681. Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

The credit reporting agency has information that is reported inaccurately. 
The acct # XXXX My Previous Address is not XXXX XXXX XXXX XXXX XXXX XXXX, Colorado XXXX. 

My previous address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Colorado XXXX My Previous Job was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX at XXXX XXXX This was changed without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX continuously failed to report payments made on time to Equifax, however they will promptly report a late payment. 

This is the second time I have had this issue with them. 

They either need to report monthly or remove my account from the credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

Midwest Recovery Systems reference complaint XXXX. As of XXXX, I have been trying to get this collection which is fraudulent, off my credit report with XXXX  and XXXX. It still remains after they responded to this agency that they would have it removed. 
They are not a legitimate Service. They rejected my letter as attached and continue to ruin my credit. I was denied credit for a personal loan on XX/XX/XXXX from XXXX, which clearly states it's due to a Collection from Midwest. See enclosed. I am sick over this and will persue legal action against this place if not rectified.
Product: Debt collection

This company called out of nowhere with no written communication about any debt. I asked them who they were and why they were calling and they refused to tell me then hung up. They are phishing for information about me personally. I called them back and requested that they tell me who they are what business they do before I engage in any personal information. They cursed at me then hung up again. They need to be black listed and labeled as phishing scammers for other consumers.
Product: Debt collection

They call my Dad 's phone and I just happen to be there when they call. They said that Account with The XXXX XXXX was placed with Allegiance Accounting Service LLC. obligation to satisfy my delinquent credit account that i was paying on already but I was paying a different company [ XXXX XXXX XXXX ] and I  thought that company just sold the account like they do all the time. They also told me that XXXX XXXX was suing me if i don't take care of this right now and they are willing to take a settlement right now so I did just that I payed them a down payment of XXXX on XX/XX/2020 then a payment of XXXX on XX/XX/2020. Then after that they never report it or pay the account off so I started looking in to it and now I find out it was A Scam!
Product: Debt collection

To Whom It May Concern, I am writing to formally dispute the repossession listed on my credit report under account number [ XXXX ]. 
Under XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, credit reporting agencies and furnishers of information are permitted to access and report consumer information only for purposes explicitly authorized by law or with the consumer 's written consent. 
I believe this repossession was reported without proper authorization or verification as required under the Fair Credit Reporting Act ( FCRA ). Furthermore : I did not provide consent for this information to be furnished to credit reporting agencies. 
The reporting of this repossession appears to violate the permissible purposes outlined in the FCRA. 
To resolve this matter, I request the following : 1. Immediate Deletion : Remove the repossession from my credit report as it is not being reported in compliance with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 2. Cease Reporting : Stop all unauthorized reporting of this repossession to credit bureaus. 
XXXX. Provide Documentation : If you believe this reporting is valid, provide written evidence of your legal authority to furnish this information. 
Failure to comply with this request may result in further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) or pursuing legal remedies. 
Please confirm in writing that you have received this letter and outline the actions you have taken to address my concerns. I expect a response within XXXX days as required by law.
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 this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting account as unverified information without providing any proof within the period allowed by law. This account need to investigate and delete from erroneous reporting in my file are listed on my credit report : XXXX  XXXX XXXX XXXX
Product: Checking or savings account

I have two charges that were unauthorized charges to my Debit Card. The amounts are both identical amounts of {$92.00} and the date for both is XX/XX/2020. The total disputed amount is {$180.00}. The transactions are from XXXX and XXXX. I did not order anything from these sites. Even if I did, it is almost statistically impossible for two orders to be the exact same from two different sites. It appears the sites attempted multiple times to run a transaction through when they had the incorrect number and finally input my debit card number by mistake and charged my account. The bank will not correct the issue.
Product: Credit reporting

I recently got notification on XX/XX/2017 that several inquiries and my collection had been removed from my report. Today I received notification that they all were placed back on report without notifying me properly. Would like all removed permanently.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX Vice President Of Credit and Card Operations XXXX XXXX XXXX XXXX XXXX XXXX Dear XXXX XXXX XXXX : An inexcusable situation has recently occurred with my XXXX card ending in XXXX. I entered the payment protection progam on and discover was inaccurate in their reporting. 
I was under the full impression that while in this program my credit would be protected from negligent reporting to the three credit bureaus, unfortunately for me I had Seven ( 7 ) months in a row of late payments. 
I have attempted to resolve this problem myself, but my attempts have been unsuccessful. Therefore, I trust you will personally and promptly do so for me. 

I have patronized your company for many years. Furthermore, I have promoted my satisfaction to my friends and family, who have then become clients of your company as well. Unfortunately, I felt it necessary that these many customers must also be made aware of the outrageous situation in which I have found myself. 

I expect an immediate and full refund of money discover charged my account while I was in the payment protection program by no later than two weeks from the date of this letter. Until I hear from you with this resolution, I will be forced to continue to dispute these late payments to all three credit bureaus.

Thank you. 

Sincerely, XXXX XXXX XXXX cc : XXXX Federal Trade Commission XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Room XXXX XXXX XXXX XXXX, XXXX Washington, DC XXXX T whom it may concern XXXX is reporting my late payments in error! 
this is the letter I wrote to XXXX XXXX on XX/XX/2021 XXXX XXXX XXXX Vice President Of Credit and Card Operations XXXX XXXX XXXX XXXX XXXX XXXX Dear XXXX XXXX XXXX : An inexcusable situation has recently occurred with my XXXX card ending in XXXX. I entered the payment protection progam on and discover was inaccurate in their reporting. 
I was under the full impression that while in this program my credit would be protected from negligent reporting to the three credit bureaus, unfortunately for me I had Seven ( 7 ) months in a row of late payments.

I have attempted to resolve this problem myself, but my attempts have been unsuccessful. Therefore, I trust you will personally and promptly do so for me.

I have patronized your company for many years. Furthermore, I have promoted my satisfaction to my friends and family, who have then become clients of your company as well. Unfortunately, I felt it necessary that these many customers must also be made aware of the outrageous situation in which I have found myself. 

I expect an immediate and full refund of money discover charged my account while I was in the payment protection program by no later than two weeks from the date of this letter. Until I hear from you with this resolution, I will be forced to continue to dispute these late payments to all three credit bureaus.

Thank you. 

Sincerely, XXXX XXXX XXXX XXXX Federal Trade Commission XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Room XXXX XXXX XXXX XXXX, XXXX XXXX, DC XXXX
Product: Mortgage

In accordance with State of Florida Department of Financial Services, it is not mandatory for homeowners to carry homeowners insurance. Two of my previous lenders did not require this insurance. Since the acquisition of my loan by Mr. Cooper, they as a new lender had to notify me about their requirements in a timely manner. This has not been done. 

Due to Mr. Cooper 's negligence, I ended up with so-called shortage of the escrow account. I have repeatedly called this company regarding the escrow account that had been created but never received detailed explanation what is it for and how it works in my case. 

It looks like this account is just a trick to extort money from me. I strongly oppose paying any fines and maintaining {$1200.00} balance in my escrow account because Mr. Cooper artificially created this situation by not notifying me prior to mortgage loan acquisition.
Product: Checking or savings account

XX/XX/XXXX : {$1000.00} was withdrawn from my checking account through XXXX. I do not use XXXX and didnt even have it installed on my phone. On the XXXX {$2000.00} more was taken, and on the XXXX, {$2000.00} more. 
I hadnt noticed these charges until the XXXX, because Chase did not flag the transactions. XX/XX/XXXX : Another {$2000.00} was taken through XXXX. I opened a case through Chases fraud department, and they began looking into it, and they froze my account. 
XX/XX/XXXX : I went to a local Chase branch and explained what had happened. They claimed they would give me a new account to ensure its security, but only gave me a new username and password, claiming that would be enough. They then unfroze my account. They also were very assuring, saying I would get my money back in full. They credited back {$5000.00}, but were looking into the other {$3000.00}, not having any solid answers. 
XX/XX/XXXX : An additional {$1000.00} was taken through XXXX. I then went to a different Chase branch, and explained what had happened thus far. They gave me an actual new account and routing number. The worker there called their fraud department, talked to them about the additional money taken, as well as the {$3000.00} I was still missing, and again, they assured me I would hear something soon and that I would get my money back. 
XX/XX/XXXX : Still having not seen any refund, I opened a checking account at a different bank and moved all remaining money in my account to this new account, as I feared how secure my money was with Chase. The amount of money moved was approximately {$10000.00}, and included the {$5000.00} that had been credited back by Chase. Chase then contacted me via their app, stating that they would not refund my stolen money, and that they were taking back all credited funds. I went to the same branch, and sat down with the Vice President, who believed me and said she would do everything to help. She contacted the fraud department, took a detailed record of the events down, and said she would escalate the case to a higher authority than herself. She instructed me to wait to hear from her, which I did for about a week before going back in, trying to see if there had been any updates. She told me they had closed the cases, and there was nothing further she could do. Chase then withdrew the {$5000.00} from my account, which only had about {$500.00} dollars in it, putting me in the negatives. The branch has said they cant do anything, and their fraud department refuses to look into it because the cases are closed. I never heard anything about the additional {$3000.00} taken either, they ignored that detail throughout this process.
Product: Debt collection

Dear CFPB, I am writing a formal complaint against P & B Capital Group LLC regarding their unjust actions as a debt collector. I recently experienced an alarming incident where P & B Capital Group LLC threatened to report a delinquent tradeline on my consumer report without providing me with the necessary information regarding my rights to request debt validation. I kindly request your intervention in addressing this matter and ensuring appropriate action is taken against this collection company. 

Firstly, I am deeply concerned about the lack of transparency exhibited by P & B Capital Group. As a consumer, I have the right to be informed about my rights and options when dealing with debt collection. However, P & B Capital Group failed to provide me with the necessary information regarding my right to request debt validation. This omission not only violates the Fair Debt Collection Practices Act ( FDCPA ) but also hampers my ability to protect my interests and exercise my consumer rights. 

Furthermore, I firmly believe that P & B Capital Group 's threat to report a delinquent tradeline on my consumer report without considering my rights is both unfair and unacceptable. Such actions can have severe repercussions on my creditworthiness and financial well-being. It is imperative that this collection company understands the gravity of their actions and the potential harm they can cause by bypassing necessary consumer protections. 

In light of these violations, I kindly request that the Consumer Financial Protection Bureau takes the following actions : 1. Conduct a thorough investigation into the practices of P & B Capital Group, specifically regarding their failure to inform consumers about their rights to request debt validation. 

2. Ensure that P & B Capital Group ceases all communication with me immediately, except for their response to my debt validation request. 

3. Enforce appropriate penalties and sanctions against P & B Capital Group if found guilty of violating consumer rights and failing to adhere to the regulations outlined in the Fair Debt Collection Practices Act. 

By addressing this issue, you will not only protect my consumer rights but also send a clear message to debt collectors that such practices will not be tolerated. 

Thank you for your attention to this complaint. I look forward to your prompt action and resolution. 

Sincerely, XXXX XXXX