23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

In response to complaint XXXX Discover Card failed to respond to written request for documentation and proof to support the data being reported to the XXXX credit bureaus. This account has been disputed initially with the XXXX credit reporting agencies and came back verified each time without any of the requested documentation to substantiate the data being reported to XXXX, XXXX and XXXX. CFPB closed the complaint on XX/XX/XXXX without resolution allowing my consumer rights to continue to be violated. The initial attached letter requested under the Fair Credit Billing Act copies of the following : Original Contract with signature, Copies of all billing statements from inception reported as XX/XX/XXXX, and Full Accounting of account since reported inception until reported as charged off and afterwards. Discover after 60+days has not provided any of the supporting documentation listed above or any proof that it provided to the CRAs during their investigation. If Discover Bank is unwilling, unable, does not have accurate records pertaining to the debt, then they must remove the negative information being reported monthly to the XXXX credit reporting agencies. In response to complaint XXXX Discover wrote a letter with no supporting documentation and attached a corrupted file that could not be opened. None of these documents addresses the initial FCRA 623 investigation. How can I or anyone else including the XXXX CRAs validate or verify the accuracy of the balance, status, dates opened, closed, payment status, etc if Discover can not provide proof of the information it 's reporting to the CRAs? Also Discover Bank failed to provide written notice to me that it that furnished negative information to the CRAs. The notice must be provided to the consumer no later than 30 days after furnishing the negative information. Another violation of FCRA.
Product: Debt collection

I have been getting hang up calls, every day from Enterprise Recovery Systems in XXXX, California. They are calling on a range of numbers, starting with XXXX through XXXX. They fail to leave a voice mail identifying themselves or who they represent. I also, to the best of my knowledge, never received a letter in writing from them.
Product: Debt collection

My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX Credit Bureau is reporting inaccurate information on VANCE & HUFFMAN LLC ( Original Creditor : XXXX ). Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 card

This one its a credit card for medical / dental use at doctors or dentist offices. Back in XXXX of XXXX my dentist applied for me to pay off my balances. I got approved and the secretary at the dentist office said you are approved for {$1300.00}. and you get six months interest free but you have pay off the balance in six months. So I agreed to that. So I got my credit card in mail and I signed up for on line statements only and no paper statements. I was making my payments. On XXXX, XXXX, XXXX I called the credit card company to get my balance and list a large payment. They said that they charged me an interest fee of {$170.00}. for Deferred interest! I argued with them and tried to resolve it but no success.
Product: Money transfer, virtual currency, or money service

Im trying to use XXXX XXXX to pay my rent but it says PNC will not allow it.. I need as much help as I can get during this pandemic & my bank is stopping me.. thats not right. I have a newborn  to care for.
Product: Checking or savings account

My accounts was frozen due to my bank stating it was a fraudulent deposit because the company that deposited the loan did not use my name they use numbers as they do for every loan, I have all business information to prove I have a active business I also have approval letters from The loan company that my loan was approved and it is in deed my loan in my name, the bank asked for my EIN number so that they can verify that I have a business I provided the information she then asked where did you get this number from its fake it dont exist she basically called me a liar I had the IRS fax over a copy of my EIN number in which they still stated its not registered with the government how is that possible if the IRS has it, The IRS was able to verify my business start date as well address so how is it possible that when I provided my bank with my information they are saying Im lien this is destroying my reputation as well as causing my business more damage that loan was relief to help pay employees as well as other things concerning my business and to have my bank freeze my account and tell me I can never use the account again or even open another account I feel is humiliating and unfair and its not right due to the accusations of fraud being false I plan on getting a lawyer involved with this matter the way I was treated was very unprofessional and to call me a liar when I have proof and provided proof is unacceptable. One rep told me the freeze was placed because I had my loan deposited into my personal account I didnt know Navy Federal Credit union offered business accounts so she stated she can get me started with a business account and transfer my loan into my business account then the freeze would be lifted but I am in XXXX with no business information on me so I had to contact the IRS which led to me losing the first rep that I was speaking with at Navy Federal Credit Union I asked for her direct extension she stated that they didnt have extensions and it was no way I could get back in touch with her, so once the IRS faxed over a copy of my EIN to The XXXX hotel I am staying in, in XXXX I immediately called Navy Federal back to provide the information in which the second rep stated I was making it up I am in another state with no access to my accounts she didnt care I told her I was going inside a branch she stated that I couldnt the account will remain froze and my Loan will be sent back to the company that deposited it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXXXXXX 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 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 checked my credit report and found that some of the data were incorrect. Experian is required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify this item ( A ). It is not permitted to report this item as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Please remove the fraudulent personal information from my credit report. For the company to do what fair and equitable to me as a consumer by deleting the items identified as Identity Theft from my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached you will find the notarized AFFIDAVIT OF FACT regarding the violations TransUnion did, and why. 

XXXX : XXXX
Product: Mortgage

Overall, I felt like there was little transparency throughout the process and I was not armed with information to ask the right questions or remedy issues. It turns out I had a conforming loan that got put in a jumbo pool which was the crux of the issue with underwriters as it related to the appraisal which was ultimately why they declined to honor my rate lock of XXXX and fund my loan. The condominium purchase price was {$500000.00} and The funds I wired to title was {$320000.00}. I completed all the requests for information and fulfilled all the financial obligations- wired the money directly to the title company and deposited funds into an account I was required to open and fund at Bank of the West. The other issue was the lender was not responsive to me or my real estate agent and we were given conflicting information on various topics - time was of the essence to meet the closing date. The appraisal that I paid for came back with structural issues that were captured by an unqualified person who never accessed the building where the foundation could be properly assessed. I paid for an additional appraiser to help the underwriter get comfort around the structural soundness and to work with the bank appraiser to append their report. My loan ultimately went to an executive committee to get a waiver but they decided not to proceed. I have no proof, but I sincerely believe they were looking for any excuse not to fund because of my rate lock. They knew my deadline on this property and it passed without resolution. I also believe they never intended to fund and strung me along to lead me to a higher cost option on a different property. 

Dates : Counter Offer for purchase price signed XXXX XXXXXXXX XXXX signed XXXX Original closing date XXXX Amended date : XXXX
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Morning ; I was extremely shocked & surprised today when my fiance & I reviewed our credit report. I honestly thought that our credit was in pristine condition and therefore, we were in the process of refinancing our house and found out that we have inaccurate and negative items reporting in our Experian credit profile from XXXX XXXX XXXX XXXX XXXX XXXX Not only that we resolved this matter years ago, but by looking at our credit report, we noticed that it's reporting incomplete and unverified information. It's my understanding that when an account is in charge-off status, the " HIGH BALANCE '' should be higher than the actual balance but in this case, is reporting incorrectly. Here it's reporting High Credit : {$6100.00} vs. the actual balance is {$7400.00}. This is in violation of fcra and it can not be reported as such and it's causing this charge-off account to illegally re-aged.
Product: Credit card or prepaid card

I was gifted a {$500.00} Vanilla prepaid card as a gift from my family in XXXX XXXX. When I tried to use it in XXXX XXXX, the funds have been depleted. After looking online to see what the transactions looked like, there were multiple to XXXX. There were 4 total purchases that totaled {$490.00} on XX/XX/2021. There is only {$1.00} left on the card. The totals were as followed : - {$120.00} - {$170.00} - {$150.00} - {$46.00} I have tried calling Vanilla directly, but have been put on hold for over an hour multiple times. I have read many complaints only about the same item and how Vanilla is very unresponsive to this. I can't even file a formal complaint because I can not get in touch with Vanilla. 

All I want to get at this point is my family 's money reimbursed. That is a lot of money that was just lost. It is ridiculous how many similar stories are online and nothing has been done about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently broiught my credit report and have seen that there is a fraudulently credit card on my credit report and a loan that was taken out. which is XXXX XXXX and XXXX XXXX I'm not sure who did this was i have realize this a major problems and this needs to be handled immediatley.
Product: Money transfer, virtual currency, or money service

Trying to make an investment and sync my account for a transfer but the bank will not allow it. Its an inconvenience.
Product: Checking or savings account

I recently opened a spend and a savings account with Karma Money. I had my tax refund and a portion of my payroll being deposited into the account. I have had nothing but issues trying to access the funds. 

An auto loan payment in the amount of {$470.00} coming from XXXX XXXX XXXX XXXX was rejected on XX/XX/XXXX causing the auto loan to be reported as 30 days late on credit and caused a {$30.00} fee from XXXX. When I called Karma Money, they told me that it was an automatic rejection due to an amount being changed after it was submitted. XXXX is telling me that it shows it was rejected for insufficient funds. I had over {$4000.00} on deposit with them at the time. 

On XX/XX/XXXX a payment in the amount of {$130.00} was rejected and on XX/XX/XXXX a payment in the amount of {$1400.00} both for XXXX. These rejections caused a late fee and additional interest to be charged to the XXXX account. When I called Karma Money, I was told that neither of these payments are even showing on their system. When I called XXXX, they told me that both transactions were rejected with no code.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681. And they have violated my rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I do not give Equifax written permission to furnish these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Original creditor XXXX XXXX XXXX  Balance {$2500.00} Balance updated XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor XXXX XXXX Balance {$2300.00} Balance updated XX/XX/2022 XXXX XXXX XXXX XXXX XXXX Balance {$3400.00} Balance updated XX/XX/2022 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX, with what I perceive as malicious intent, agreed to remove the negative notation they reported to the credit bureaus. This was restored after they agreed in writing, via XXXX to remove it. As such, I am requesting they honor this, as they agreed in writing, bound themselves via contract, in writing, agreed to remove these negative notations. This is per XXXX XXXX XXXX. XXXX. This means they are without excuse and may be sued in the court of law. However, I am going to give them this opportunity to repent, admit their error, and remove the negative notation ( s ) immediately from all credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a Credit Score report from XXXX  ( Credit Card company ) on XX/XX/20. I noticed in the score that the US Small Business Administration ODA had conducted a credit check that I had not requested or authorized. I immediately called XXXX and spoke with them and filed a claim that someone may be trying to utilize my identity/information to secure a loan from the SBA.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I instructed my XXXX bank ( XXXX XXXX  ) to wire {$30000.00} ( XXXX ) to my US bank account ( held at XXXX XXXX XXXX  XXXX in XXXX , Virginia ). Three days later on XX/XX/XXXX XXXX showed up back in my XXXX account. Neither XXXX nor XXXX can give me a definitive answer as to why Wells Fargo ( XXXX 's XXXX XXXX  ) declined the transfer yet still charged me around {$30.00} ( XXXX ) for an incomplete transfer. Both XXXX and XXXX XXXX   advised me to speak with Wells Fargo as neither of them have access to XXXX 's systems. I have reached out to XXXX via XXXX to explain the situation -- they are now fobbing me off without offering to reimburse me the fees charged. I am not a Wells Fargo customer. 

My confirmation # from XXXX XXXX = XXXX, XXXX also gave me the following tracking # XXXX.
Product: Credit reporting or other personal consumer reports

Subject : Comprehensive Legal Appeal Against XXXX XXXX XXXX and XXXX for Non-compliance with Federally Mandated Consumer Protection Protocols To Whom It May Concern, This correspondence serves as a formal and structured legal appeal against XXXX XXXX XXXX and XXXX, addressing significant non-compliance with the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws as stipulated under federal guidelines. This complaint articulates substantial concerns regarding XXXX XXXXXXXX XXXXs alleged debt claims tied to my personal identifiers, which lack proper authenticated documentary evidencea core requirement under consumer protection statutes aimed at safeguarding consumer rights and ensuring the integrity of credit reporting practices. 
Detailed Discourse on the Legal Mandate for Authenticated Documentary Evidence in Consumer Protection Law : Fundamental Consumer Law Requirements for Document Authentication : Regulatory frameworks, specifically 12 CFR 1022.82, underpinning the FCRA, mandate that all information furnished to consumer reporting agencies by entities like XXXX XXXX XXXX must be accurate, complete, and thoroughly substantiated. In the realm of debt collection and reporting, this substantiation requires authenticated documentary evidence. Such evidence typically includes, but is not limited to, contracts or financial agreements validated through signatures executed in " wet ink. '' This authentication serves not merely as a procedural formalism but as crucial legal proof of the consumer 's conscious assent to the terms delineated within the document. 
FTC Report Reference and XXXX Inaction : Subsequent to discovering unauthorized use of my consumer information by XXXX XXXX XXXX, a formal report was filed with the Federal Trade Commission. Despite this attempt to rectify the situation through federally recognized channels, the continued presence of XXXX XXXX XXXX on my credit profile and XXXX 's inaction in resolving this discrepancy demonstrate a concerning level of disregard for regulatory compliance and consumer rights. 
Legal Consequences for Non-Compliance : Penalties Under FCRA Section 621 ( a ) ( 2 ) : According to the Fair Credit Reporting Act, specifically under Section 621 ( a ) ( 2 ) ( 15 USC 1681s ), any person, including debt collectors like XXXX XXXX XXXX and credit reporting agencies such as XXXX, who fails to comply with any requirement imposed under the FCRA with respect to any consumer is subject to civil penalties enforced by the Federal Trade Commission ( FTC ). This includes potential fines, statutory damages awarded to the consumer, punitive damages for willful non-compliance, and attorneys fees. 
Disputed Debt and Consumer Awareness : It is pertinent to note that the debt in question includes claims for which I have no knowledge of the account number, strongly indicating that the alleged debt was fraudulently attributed to me. This lack of awareness and the inability to verify such a debt underscore the necessity for a stringent review of the information reported by XXXX XXXX XXXX and the actionsor lack thereoftaken by XXXX.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have occurred. Despite having sufficient funds when transaction were authorized, I was charged due to lagging posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite having initially funds available. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the collection/closee account listed on my credit report. I am not liable for this Debt of {$1000.00} with JPMCB I did not sign a contract with JPMCB and I didnt receive Verification of the debt via the original Contract Account number : unknown i was listed as an authorized user to an account belonging to XXXX XXXX XXXX XXXX I notice discrepancies in the personal information section, which I believe is inaccurate. Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to accurate and verifiable information on my credit report. I am requesting that this collection account be investigated and removed if it is found to be inaccurate or unverifiable. Disputed Account Details : Collection Agency Name : JPMCB Date of entry : XX/XX/year> Reason for Dispute : 1. I have not been afforded the opportunity to dispute the account in accordance with 12CFR 1006.34 ( c ) ( 4 ) ( ). This denial of the dispute process deprives me of my right to challenge any inaccuracies or discrepancies regarding the alleged debt. 2. JPMCB has resorted to false, misleading, and deceptive means in their collection efforts, thereby violating my consumer rights. Such unethical practices undermine the integrity of the debt collection process and cause undue distress to consumers. 3. Furthermore, the agency lacks the authority to furnish any account to consumer reporting agencies without adhering to the necessary disclosures mandated by law. By neglecting to fulfil their obligations under 12 CER 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ). JPMCB is flagrantly disregarding consumer protection statutes. I demand that CFPB investigate these egregious Legal Basis for Dispute : 1. Fair Credit Reporting Act ( FCRA ) : Under Section 611 of the FCRA, I have the right to dispute inaccurate or incomplete information on my credit report. The credit bureau is required to investigate the disputed information and ensure that it is accurate and verifiable. If the information can not be verified, it must be removed from my credit report. 2. Fair Debt Collection Practices Act ( FDCPA ) : Under Section 809 of the FDCPA, I am entitled to verification of the debt from the collection agency. If the collection agency can not provide proper verification or validation of the debt, it must cease collection efforts and remove the account from my credit report. Request for Action : I request that you investigate this matter and provide me with the results of your investigation. If the collection account is found to be inaccurate or unverifiable, I ask that it be removed from my credit report. Please provide me with written confirmation once the correction has been made. Thank you for your prompt attention to this matter. I look forward to your response within the timeframe required by law.