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

First instance occurred w/ regions bank was on On XX/XX/2019 my purse was stolen out of a shopping cart, which resulted in many of my cards being stolen and used. When I noticed my purse was missing I cancelled all of my cards but couldnt dispute any transactions when the following Monday when they posted. XXXX dollars was withdrawn from my account. I filed a dispute and was denied b/c they wont except the police report AND the detective working the case has called several times and spoke w/ the supervisor himself. 
The second instanced occurred on XX/XX/2019 and I personal sat down with the branch manager and told him remove overdraft protection and I dont want nothing paid. I told him the representative said she removed it a week priory and she didnt and I was charged XXXX dollars in overdraft fee when the lady said she removed it. He promised he took care of everything and nothing will go through if no money isnt in the account. I woke up 2 days later and notice I was hit with XXXX dollars worth of overdraft fees when the branch manager of XXXX Indiana promised nothing will go through! Regions has being doing shady transaction moves allowing things to go through when your not opted in. In the past 2 month I been hit with almost XXXX dollars worth of fees!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no XXXX  party involved. Please review the uploaded letters.
Product: Credit card or prepaid card

This is in addition to the complaint # XXXX I have attached additional document information please see attachment in regard to Synchrony Bank continuing to escalate charges on my account saying I have not paid my account. It started with Synchrony missed applying my payment on time from there it keeps escalating additional charges there is no end to it. I would appreciate assistance in informing Synchrony Bank to Stop adding fees to my account ending in XXXX saying I owe more than the minimum amount. Synchrony Bank is continuing to add bank fees every month.
Product: Credit card

Im reporting USAA for bad business practices. 

I had a credit card with usaa that ended up becoming delinquent and added to my credit report. 

In a effort to get my credit report cleared and in good standing I contacted usaa and requested a settlement for the credit card. 

They originally offered a settlement of {$500.00} but now they are only accepting {$990.00}. 

Once I accepted the amount they offered they informed me that the payment would be posted once received ( which could only be mailed in, they would not allow me to pay over the phone ) Then I would have to wait 15 days to get a letter stating the debt was paid. 

I certified mailed the payment on the XXXX of XXXX and they received the payment the XXXX of XXXX. 

I called to make sure it was received and to get confirmation the situation was being handled as discussed previously. 

It was confirmed the payment was received XX/XX/XXXX via a phone call XX/XX/XXXX. I was then informed that I would have to wait until the XXXX for them to apply the money to my account. 

I asked why would they hold my money for 8 days and not just apply the money now. According to USAA because the account is delinquent. 

That makes no sense to hold the money at the bank 8 days after receiving to then apply it. To then say I have to wait 15 after that to receive something saying the debt was taken care of. 

The letter they sent pertaining to this process doesnt even clarify any of the terms they are telling me over the phone. ( See Attachment ) This is bad banking practices and I want USAA HELD ACCOUNTABLE. I also want this situation resolved on my credit report ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have filed a couple of complaints on equifax reporting incorrect info, they send me an e-mail the complaint is closed, they give me an access number, when i try to read it access is denied, i call speak to cust service, person speaks very poor english, she asks me many questions and does not understand, i ask for a supervisor, put on hold no body picks up can not get any answers.
Product: Payday loan, title loan, personal loan, or advance loan

Date of Event : XX/XX/XXXX I am filing this complaint because Lendmark Financial Services has initiated legal action against me despite failing to validate the lien on my XXXX XXXX XXXX ( XXXX XXXX XXXX ) and violating my rights under the Fair Debt Collection Practices Act ( FDCPA ). 

On XX/XX/XXXX, I called Lendmark after discovering that they had filed a legal action against me. During the call, their representative acknowledged receiving my cease and desist letter, which I sent to dispute the debt and request lien validation. However, they admitted they have not provided proper documentation to validate the lien. Despite this, they have continued to pursue legal action. 

This is a clear violation of the FDCPA, specifically : 15 U.S.C. 1692g ( b ) : Collection efforts, including legal action, can not proceed without first validating the debt. Lendmark has not provided proof that the lien was properly perfected at the time of loan origination, which raises questions about the enforceability of the debt under XXXX XXXX XXXXXXXX. 
15 U.S.C. 1692c ( c ) : By acknowledging receipt of my cease and desist letter, Lendmark was required to halt collection activities except to notify me of the legal action or provide debt validation. Instead, they initiated legal action without fulfilling their obligations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent all required information into all 3 credit reporting agencies ... .XXXX is the only bureau that followed Section 605B of the FCRA ... ... EXPERAIN IS STILL REPORTING 2 FRAUDULENT ACCOUNTS : XXXX, XXXX # XXXX {$2300.00} XXXX XXXX ( XXXX ) # XXXX {$840.00} AND 2 INQUIRIES : XXXX XX/XX/2019 AND XXXX XXXX XX/XX/2019 XXXX   CONTINUES TO REPORT 1 FRAUDLENT ACCOUNT : 11 XXXX ( XXXX ) # XXXX {$2300.00} notice how 2 of the accounts have the same account number but different creditor names ... .these accounts are fraudulent ... ..I will attach the original ID THEFT AFFIDAVIT that was submitted and the 3 report comparison and you can see the major discrepancies ....
Product: Debt collection

After receiving my complaint about excessive phone calls, up to XXXX per day and texts and emails on the same day they agreed to place a XXXX not contact on my account. This was XX/XX/year> on XXXX they called twice in the morning which I again asked them to stop. They agreed that they made a mistake and called after the do not call was issued days earlier. These repeated calls interrupted my doctor 's appointment which was an embarrassing situation. 
Again they failed to follow FDCPA and should be held accountable to the Federal law and the Massachusetts collection laws. 
I am requesting the maximum penalty because of the aggressions that should have ended. 
XXXX XXXX XXXX
Product: Credit card or prepaid card

I received my new Union Bank Visa Credit Card XX/XX/XXXX with a {$2700.00} balance transfer XX/XX/XXXX. I paid my first bill for {$40.00} minimum ( 0 % apr on the balance transfer ) on time XX/XX/XXXX. I paid my second bill for {$40.00} minimum on time XX/XX/XXXX. My third bill was emailed today and the statement says XX/XX/XXXX LATE FEE {$27.00} even though my XXXX out of XXXX bills for {$40.00} were paid on time. The minimum payment due on this third bill is {$93.00} which makes no sense.
Product: Credit reporting or other personal consumer reports

I received a prescreen offer of credit email from XXXX on XX/XX/2024. The email indicated I was approved for at least {$3000.00} in credit, and that information was used from my credit report to make this offer to me. I permanently opted out of prescreen marketing from the listed bureaus about 7 years ago.
Product: Mortgage

I have contacted Freedom Mortgage numerous times to resolve this. First I was told in a phone call that PMI payments would automatically be removed by the end of XXXX. I called again and was told it would not be removed until I'd reached the 80 % of the initial loan amount threshold ( reached in XXXX of XXXX ). I was told when I called in XXXX that there is no record of my having called and received any of this information so in XXXX of XXXX I switched to electronic reporting to keep a written record of correspondence and repeatedly asked for the results of conversations with customer service to be put into a letter to me. I have been told PMI can not be removed because my home is in a disaster area ( it is not, I live in XXXX, and the disaster area for flooding that they referenced was due to Tropical Storm Debby and that flooding occurred hundreds of miles away in XXXX XXXX XXXX. I was told in a letter dated XX/XX/XXXX that I am not eligible because either I did not make a payment on time ( not true ) or I received Covid 19 assistance ( I didn't ) or because my property value may have declined since my mortgage was taken out ( it is worth between $ XXXX and XXXX more according to my realtor. ) I was also told I could pay a {$190.00} fee for what is called a BPA to apply to have my home value checked by a broker that Freedom chooses. Even the Customer Service Rep I spoke with today in the escalations department admits that I am being provided with contradictory information and she has promised to look into it and call me back at the end of the week. When I again requested written confirmation of our conversation she told me ( again ) that she can not provide that. I asked for email correspondence because I am often unable to take phone calls during the work day and I was told that is not possible.
Product: Credit reporting or other personal consumer reports

I am following up my previous complaint today in regards of being a victim of fraudulent activity. Let me repeat that, pursuant to FCRA section 605b, Credit Reporting Agencies are obligated to remove any items listed on an identity theft report. Mine is referenced under # XXXX. Enclosed, please find the attached documents to facilitate the removal of the erroneous information and fraudulent inquiries from my reports. Below is a list of items that were opened without my authorization : 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 XXXXXXXXEQUIFAX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX. As per FCRA Section 605B ( a ), Credit Reporting Agencies must remove any items identified by the consumer as resulting from alleged fraudulent activity within four business days of receipt.
Product: Debt collection

JEFFERSON CAPITALXXXX XX/XX/year> THIS INFORMATION IS INACCURATE IVE NEVER DONE BUSINESES WITH THEM
Product: Credit reporting or other personal consumer reports

XXXX, Experian, and XXXX is reporting inaccurate information on my consumer report. My name is XXXX XXXX there should be no other name listed on my consumer report. My address is XXXXXXXX XXXX XXXX XXXXXXXX TX XXXX there should be no other address listed on my consumer report. Each credit bureau is listing different information other than whats correct. The below information needs to be removed immediately. 

XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( 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 consumers 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.
Product: Debt collection

I 've tried disputing a fraudulent collection account on my credit report. I 've sent letters to the agency and have gotten little response. My official complaint is against NCAC for reporting credit information to the credit reporting agencies that was a result of Identity Theft Ive asked in my letter that the negative reporting ceases and the information be removed from my credit report.
Product: Checking or savings account

On XX/XX/XXXX and XXXX I got a call from a chase bank number. The bank teller I was speaking too was informing me that {$5000.00} was taken out the day before and that another {$5000.00} was being taken out of my account currently. The bank teller told me to send money through a XXXX account so that they can send me the card with my money in it. I then went to chase bank and they told me that it wasnt one of their workers and that I was getting scammed. When I asked for them to dispute the money and put it back in my account they told me they couldnt do so and since this is considered a federal offense Id have to report to the authorities. I spoke to a chase bank manager and after many hours he told me hed open up a claim. Ive come to find out that today ( XX/XX/2021 ) that they closed the claim without informing me, nor were they able to give me my money back. I was scammed out of {$10000.00} total. The scammer keeps contacting me as-well. I have video proof of me speaking to them also.
Product: Credit reporting, credit repair services, or other personal consumer reports

Customer Service XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, WI XXXX Phone : XXXX Fax : XXXX Office Hours : Monday-Friday XXXX to XXXX XXXX  Central Time Email : https : XXXX I would like to file a complaint on XXXX, the loan servicer for XXXX XXXX XXXX XXXX. I have two private student loan accounts with them. 

I have contacted XXXX  and XXXX multiple times regarding forbearance, I lost my employment due to XXXX on XXXX of XXXX  and I am also XXXX. In the last year and a half I have been given missinformation regarding my account, I have been advised that my loans are in forbearance while reporting to the credit bureaus that I am past due and heavily impacting my credit score and my ability to retain housing and transportation services due to the credit score being incorrect. 

XXXX has single-handedly dropped my score over 100 points in the last year. I have filed disputes with the company, credit reporting agencies and XXXX is continuing to advise me that my loan is in forbearance while marking my account overdue instead. Each time I contact them there is a different reason why and each time it takes over 3 months to resolve, while they advise me to wait they are also reporting incorrect information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Re : Urgent Request Fraudulent and inquiries block under section 605B of the FCRA Account in Dispute : XXXX  XXXX Account # : XXXX Reported Balance : {$480.00} Account in Dispute : XXXX XXXX XXXX XXXX Account # : XXXX Reported Balance : {$810.00} Account In Dispute : XXXX XXXX XXXX Account # : XXXX Reported Balance : {$340.00} To Whom It May Concern, I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identify theft. The inaccurate information is causing significant harm to my credit, and I expect immediate correction action. 
Per section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within ( 4 ) business days from the date of receipt of this letter. 
Account in Dispute : XXXX  XXXX Account # : XXXX Reported Balance : {$480.00} Account in Dispute : XXXX XXXX XXXX XXXX Account # : XXXX Reported Balance : {$810.00} Account In Dispute : XXXX XXXX XXXX Account # : XXXX Reported Balance : {$340.00} Additionally, I request the removal of all unauthorized inquiries to this identify theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies. 
I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were are not authorized by me and negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities. 
I expect written confirmation by XX/XX/XXXX, confirming that the fraudulent XXXX XXXX XXXX accounts and any related unauthorized inquiries have been fully removed from my credit report. 
This is a time sensitive matter, and you are now officially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my credit. 
Thank you for your immediate attention to this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recieved a notification at XXXX XXXX on XX/XX/2019 that my XXXX credit report was accessed with out my permission. I did not authorize this company to access my credit report. Due to being a victim of identity theft I keep my credit report monitored
Product: Debt collection

XX/XX/XXXX Sent and Received certified mail for Demand Debt Verification and Cease & Desist from reporting. I C System has flagged your account as Collections on XX/XX/XXXX. 
XX/XX/XXXX I have not received any verification of debt or reply. Company violated the cease and desist by reporting to credit bureau with providing me written proof as requested. 
I filed a complaint with CFPB XX/XX/XXXX case XXXX CLOSED but have not receive any proof of debt or signed document by me that validates the debt and its been over 90days. 
Laws in 15 USC 1692 have been violated by the company 's actions and I demand all Remove all negative reports to all bureaus immediately! 
I will be looking to file suit and complaints with XXXX because my rights and livelihood has been affected by their actions
Product: Money transfer, virtual currency, or money service

During the hurricane I had friends and family who sent money to my PayPal account to hold for me and now that PayPal I havent been able to return the money also people was sending my daughter money for her graduation items and I havent been able to purchase items due to PayPal closing my account unexpectedly and saying they will be holding my money for 120 days
Product: Credit reporting or other personal consumer reports

I am writing to formally address a violation of the Fair Credit Reporting Act ( FCRA ) and to highlight specific inaccuracies and in how XXXX has reported my account to the credit bureaus Experian and XXXX. These actions breach FCRA sections 623 ( a ) ( 1 ) ( A ) and 623 ( b ), which require accurate reporting of information and reasonable investigation of disputes. I believe I am a victim of predatory and immoral practices to mislead consumers into paying devastating hidden fees, and violates consumer protection laws.This company is currently involved in a multi-state lawsuit for such practices ( XXXX XXXX. XXXX ). Moreover, the account status was not updated to reflect the payment accurately, as required under FCRA Section 623 ( a ) ( 1 ) ( A ), which mandates that information provided to credit bureaus be accurate and truthful. XXXX XXXX has also reported inconsistent and inaccurate information to Experian and XXXX regarding this account. Specifically, the account balance is being reported as {$1900.00} on Experian, and {$1900.00} on XXXX. There are also inconsistencies regarding last payment date ( XX/XX/XXXX XXXX, XX/XX/XXXX Experian ), last active dates ( XX/XX/XXXX Experian, XX/XX/XXXX XXXX ), and more. Despite multiple disputes, both credit bureaus continue to report this inaccurate information, indicating XXXX XXXX has failed to fulfill its obligations under FCRA Section 623 ( b ), which requires a reasonable investigation of disputes and the correction of errors. These actions have caused significant harm to my financial well-being and creditworthiness. The inaccurate and unfair reporting on my credit profile directly impacts my ability to access financial opportunities and has created unnecessary stress. As a consumer, I have the right under FCRA to dispute any inaccuracies on my credit report and expect them to be corrected.
Product: Credit card or prepaid card

Recently opened a fraud investigation for XXXX totaling over {$11000.00} from 6 charges that I did not make. Discover has recently asked for more information and I did speak to them on the phone. Just today they reversed a XXXX charges a $ XXXX temporary credit was reposted to my account without any notification why. There are still XXXX that are still temporary after 3 weeks into the investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to all three credit companies on XXXX and no response.
Product: Vehicle loan or lease

On XXXX XXXX, XXXX I leased a new XXXX XXXX XXXX from the dealer XXXX XXXX XXXX XXXX located at the address XXXX XXXX XXXX XXXX XXXX, NJ XXXX. The lease company is Ally Financial. They said there will be XXXX downpayment, but I made {$3000.00} payment. Overall, I am overpaying for the car. I paid {$3000.00} downpayment plus the first month payment of {$600.00}. And my monthly payments are {$600.00} for 39 months. The dealer quotes the same car for other customers for around $ 400 monthly payments. So they charge me extra {$200.00} per month. I went to the dealer to ask why I am overpaying. Their reply was " you already knew that the payments will be {$600.00} ''. They didnt give a fair explanation why I was overpaying than other customers. I feel like they tricked me and made me pay a lot of money. Plus my credit score is excellent. It is not that I am overpaying because my credit score is bad. Please approach the company for a reasonable answer why I am overpaying for the lease. $ 600 monthly payments with {$3000.00} downpayment is a lot of money. They tricked me.