23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Unless ACIMA CREDIT can show me state law or company policy that superseded federal law Im invoking my right as a federal protected consumer and natural person to dispute this billing with federal laws According to 16 Cfr 433.3 You are not exempt There has been statements which have not matched my records and statements which have not been in accordance with the disclosures from ACIMA CREDIT that I have received at the consummation of the transaction. I am formal giving notice of this billing error until I receive all documentary evidence. Until this documentary evidence has been received this billing error is a violation of 15 U.S.Code 1666b. 


The billing statement I received by ACIMA CREDIT on XXXX/XXXX/2020 is a billing error. To clarify and addressed such subject matter contained in this billing statement I am invoking my right to obtain the documentary evidence, in accordance with 15 U.S.C. 44 for the books of account as described in XXXX XXXX 583. To verify such alleged amounts, I want to see both journal and credits of account and ledger and debits of account to verify the current accounting and taxes associated with this account. Also, I am putting all of the past from the date the account was open, present, and future billing statements in dispute also until I get provided the documentary I am requesting to clarify and address the matter. 



15 U.S.Code 163XXXX ( b ) ( XXXX ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done ACIMA CREDIT can not report late payments in accordance with regulations of the XXXX12 CFR 1026.13 ( d ) ( 3 ). If ACIMA CREDIT reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b. I am disputing billing error on past billing, from the time the account was open, present, and future until you provide me with the documentary evidence I requested in this statement and therefore it is a violation for all the late payments you posted onto my reports so I need this updated immediately.

ACIMA CREDIT as the creditor may not collect any disputed amount, I the consumer does not need to pay, the creditor can not restrict, accelerate payment or close an account and or make or threaten any adverse reporting to any person about the consumer 's credit standing without resolving the billing error. Such actions by ACIMA CREDIT will forfeit its rights to collect the disputed amount as described in 15 U.S.Code 1666 ( e ) and hold the creditor liable under 15 U.S.Code 1693m for ACIMA CREDIT for the actual damage caused to me as well as held to criminal liability pursuant to 15 U.S.Code 1693n for failing to required documentary evidence as requested to clarify and revolve the previously addressed billing error.

with resolving this billing error, the creditor has legally agreed to forfeit all rights to collect on the amount in dispute pursuant to 15 U.S.Code 1666 ( e ).
Product: Checking or savings account

Thanks for your response but I have total of {$150.00} that your Debit Card Disputes Dept. Still owes me on my account as well as {$5.00} from a merchant refund. Please understand that this money was asked to be released by the merchants back into my account. I need you deposit my funds into my balance to make transfer out to my debit card. I did nothing wrong for you to hold my money & request you release the account limitation today to access my funds and that the Back Office regard the letters sent to service.paypal.com that were sent with my Disputes. This matter is not resolved until all my funds are received. Please contact me at XXXX XXXX XXXX XXXX XXXX that these funds are recovered. Your office knew I was XXXX  and these funds were for my medical expenses they can not be on held 180 days I am XXXX. I need an executive response by phone to release and transfer my refunds owed today to my debit card like the agent allowed me to do on Monday. Please call soon.
Product: Debt collection

This company added to credit report XX/XX/XXXX and shows placed for collection on XX/XX/XXXX.This is not true as I have copies of all of my credit report from this date til now and I have never received any phone calls or letters from this company regarding my debt with this company til now.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX open account and fraudulent account opened credit card checking and unknown account
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loans were transferred as required by the Public Service Loan Forgiveness program application process. The new servicer, FedLoan Servicing, did not properly update the CRAs advising them to transfer the prior reporting history from the old servicer ( XXXX ) to FedLoan Servicing. Accordingly, my loans are double reported on my consumer reports ( the old loans and the new loans ). I previously complained to the CRAs ( XXXX has not corrected the information ), and both the old and new servicer. I also complainted to the CFPB, but the company responses were generic and did not address the problem.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX INQUIRY : XXXX XXXX XX/XX/year> XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Vehicle loan or lease

I paid off my CarMax Auto Finance car loan thru re-finance from another lender on XX/XX/2021. Once paid off I cancelled my gap insurance and Carmax extended warranty plan at the Carmax dealership in XXXX, IL. On XX/XX/XXXX I was due a refund for the cancellation of {$3000.00}. The refund was applied to my closed Carmax Auto Finance instead of just giving me a check. I called a week later and 2 representatives I spoke with stated it takes 7 business days to get issued the refund because it needs to be approved by a manager. As of today my full refund have not been processed. I spoke with XXXX in the resolutions department, which she was very helpful and understanding. She was able to get a response from a manager who told her itll take 2-3 weeks. I shouldnt have to wait another 2-3 weeks to receive my refund, due to Carmax Auto Finance slowness . This refund was applied XX/XX/2021, which has already been XXXX weeks. The refund was already approved at the Carmax store. Paperwork was already signed.
Product: Checking or savings account

I went to Huntington National Bank XX/XX/XXXX XXXXI intended to open a XXXX XXXX. That offers a XXXX $ bonus. They have very strict rules and hoops to jump through. I have done this twice before. With no problem. I also was given internal documents that I still met. Ive talked with XXXX XXXX several times in this bank. Now I was told not only by him but by a Vice President I did not get the name of that IT DOES NOT MATTER WHAT THE RULES AND REGULATIONS ARE, WHAT MATTERS IS THE SPIRIT OF THE OFFER. 
I always thought business is done in writing. I have a over 800 credit score. And at one time I had several hundred thousand dollars in this bank. I definitely feel XXXX  against. It tells you how long you have to wait after being a costumer, or your not eligible. I would like to submit these rules. I was given this number for the corporate office. XXXXVery disappointing they choose to not honor their own offersXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Illinois XXXX XXXX XXXX XXXX. Please leave a message if no one answers. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian many times to remove this XXXX because it is fraud. I open a fraud report that is attached to this complaint
Product: Checking or savings account

Because PayPal had to honor their Buyer Protection Program and they are refusing to give us working XXXX XXXX as they did in the past, it would appear that now they feel that THEY ARE ENTITLED to SHUT OUR BUSINESS DOWN without any explanation whatsoever. This complaint is to add to the contemporaneous record. Please see the screen video that I have attached. 

***Since this is a matter that may involve discrimination all communications should be in writing at the address listed on this complaint.
Product: Credit card or prepaid card

I filed a complaint because I can not activate my US Bank ReliaCard and access any of my funds for which I have filed a dispute on because I was robbed or lost my cards a few weeks back and finally now I have a new card but they want me to send you guys a copy of me with my ID I was able to find my paper ID with the barcode and a clear picture of my name and my last address but because of all of this confusion I have been XXXX  so I'm hoping that the photos I'm sending you right now will work for verification process of who I am and would just like to access my funds that were taken from me and also I have already completed the ID me verification process through Colorado labor and employment services so that should be a form of my identity through US Bank ReliaCard as well because I have already been dealing with fraud for over a year now
Product: Credit reporting, credit repair services, or other personal consumer reports

i have attached a document with all the account information, along with DL, Social, and bill for verification
Product: Credit reporting or other personal consumer reports

In XXXX, several accounts/credit cards were opened using my information including XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, Bank of America, XXXX XXXX , To XXXX XXXX, and XXXX . I immediately disputed all accounts, which were all removed from my credit and I thought the issue was resolved. At that time I placed a fraud alert and activated protection. Fast forward to XX/XX/XXXX, I was applying for an auto loan and realized I had a charge off from Bank of America which I thought had been resolved in XXXX. I immediately went to the police and filed a report and have been going back and forth with XXXX and Bank of America to resolve this issue. I went to a Bank of America branch on XX/XX/XXXX and had them fax over my police report and all of my supporting documents that they requested and my dispute was still denied based on them claiming that they did not receive my supporting documents and also stated there was not sufficient evidence to support my claim. I have provided a police report, along with pictures of all the accounts that were opened at the exact same time of the Bank of America credit card, and pictures of all the disputes from the other accounts that I filed back in XXXX. Please may I have assistance with getting this resolved.
Product: Student loan

When my loans went back into repayment with Mohela after the Covid-related pause, I am not longer on an IBR plan like I used to be, even though I was told that my payments would return to an IBR if I already was on one ( especially because I am enrolled in the Public Service Loan Forgiveness program as a special education teacher ). My payments are higher than they should be and I am concerned my payments might not count for PSLF. 

I also have applied for the SAVE program three times over the past few months and my payments still have not changed to the SAVE program, which would reduce their price.

I have been sending regular messages to MOHELA through their contact form which they say they will respond to within 3-10 business days but have yet to ever hear an answer back, months after my original message. I wait on hold on the phone with them for hours, but have not been able to get through to anyone before having to return to my job.
Product: Debt collection

Last month I requested information about this alleged debt from Deville, and they refused to provide it, telling me over the phone ( which I requested that they do not call me ) that I was the debtor and that I needed to pay or face fines, imprisonment, and judgments! Another collector told me they were an authorized court agent and told me to set up payment arrangements with them!
Product: Student loan

This is in regards to Sallie Mae : Working with that private lending company, I XXXX XXXX and was in a Forgiveness program for a yearduring that year I received a job in my career field. I called the company to see if I can lower my monthly payments because 1. ) I have a mortgage to pay 2. ) I have a child on the way I need to pay for 3. ) they expect me to pay {$1400.00} a monthly for my loans. I talked with the company to see if I can get it lowered with my income to Bills/debt ratio and they told me no. Ive tried everything and they will not lower my monthly payment. Its going to make me lose a lot in life. I can not physically afford to have a child or a home due to these monthly payments.
Product: Checking or savings account

I received an offer by mail from Citizens Bank to get a {$600.00} bonus by opening a savings and checking account ( {$300.00} XXXX. acct. ). I opened the accounts on XX/XX/year> and was told bonus would be credited by XX/XX/year>. I got the {$300.00} bonus for the checking acct. but not for the savings acct. I called on XX/XX/year> to customer service and was told I didn't comply with the bonus for the savings acct. I then spoke with a supervisor explaining based on the attached mailing that I did comply & had the bank officer sign the offer confirming I complied. The supervisor said she would fill out a review request about my concern and would receive a reply shortly. I received a call later on XX/XX/year> from the review person ( XXXX ) stating I was denied the bonus. I explained that the offer clearly states " When you open your first new personal savings account on the same date as the above new checking account and make at least one single deposit of {$500.00} OR ... ... ... ... ..... I said it clearly states OR, NOT AND and that I chose to make the single {$500.00} deposit on the same day I opened both accounts rather than the OR ... ... ... .. rules of multiple deposits. The review person could only repeat I didn't comply with the rules about multiple deposits and I stated it clearly states OR, not AND which is to me a simple concept and very straight forward but I was brushed off.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. I demand the below accounts deleted from my consumer report. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 

This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 

I demand these accounts be deleted from my consumer report. 

Thank you, XXXX XXXX
Product: Checking or savings account

On XX/XX/2024, I deposited a {$15000.00} check from my friends into my account at Truist Bank. Shortly after, Truist notified me that my account was blocked for further transactions due to a fraud investigation. The notice mentioned that, following the investigation, any remaining funds would be sent to my address on file. 

On XX/XX/2024, I received another letter stating that Truist had permanently closed my account. However, no additional details were provided about the status of the funds. Despite numerous calls and inquiries to fraud supervisors at Truist, including messages sent to the fraud department, I have not received any clear updates. It has been over a month, and I still do not know where the funds are or when they will be returned. 
I was repeatedly assured that updates would be provided within two days, but none of the supervisors I spoke with have been able to get information from the fraud recovery analysts. The lack of communication from Truist has delayed critical plans that depend on this money. 

I am seeking assistance in resolving this issue and recovering the funds as soon as possible.
Product: Checking or savings account

I opened my account with Citi Bank sometime in XXXX of XXXX. They have an offer for open a new checking account, make a deposit and will get {$300.00} offer. 
I transferred a XXXX for {$55.00} on XX/XX/XXXX to my CitiBank personal checking account with them ending in XXXX. CitiBank stated my account was suspicious and closed my account. the {$55.00} was literally from my two sisters. They paid me {$27.00} each for food during the XXXX XXXX 
I also originally transferred {$25.00} when I first open the account. I have about {$80.00} in my check account. I know it not much but why would I let a big company like them strongarm me when I did not do anything wrong. 
They did not do proper research and they probably didn't want to give the {$300.00} promo offer and instead they also took my {$80.00}. 
This is more about principal and we shouldn't allow these big banks to do these types of things. I've bank with XXXX and XXXX for over 20 years and have never experience anything like this. 
Please help me get to the bottom of this. I called them several times but they are not willing to listen to me. I called again today and spoke with XXXX XXXX # XXXX XXXX XXXX XXXX and she said she can not help me. No one in their office wants to help/listen sadly.
Product: Debt collection

My son is XXXX with XXXX he had a XXXX and took a ride in an ambulance in XXXX Indiana he was XXXX  months old but he was covered with insurance I have his insurance Ive submitted it and was told Im responsible. But the hippa laws state it cant be on my credit report
Product: Payday loan, title loan, or personal loan

I received an email saying I was accepted by XXXX XXXX for {$8000.00}. I called the number and gave my information such as bank and social. When it was time for the loan they were going to deposit {$1700.00} in my account but I needed to send it back via gift cards. Lucky for me my account is on the minus XXXX. So they put {$960.00} in the account to make positive but theres a {$700.00} on hold to take out the would make the account - $ XXXX he told me that it was going to take 1 hour to process due and I asked if I should call back tomorrow. He said yes and that I would have to get gifts and send them as proof. So Im minus XXXX with XXXX in my account while thats a {$700.00} pending amount to be taken out
Product: Credit reporting or other personal consumer reports

Here is the CFPB complaint based on the attached American Express dispute and the fact that this information has already been disputed with the credit reporting agencies without resolution : Consumer Complaint : Failure to Correct Disputed Information and Reporting Inaccuracies Your Information : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, Illinois XXXX SSN : XXXX-XXXX  Complaint Against : Company : American Express National Bank Address XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX Details of the Complaint : I am filing this complaint against American Express National Bank for their failure to correct multiple inaccuracies in the reporting of several accounts on my credit report. I have disputed this information directly with American Express and with the three major credit reporting agenciesXXXX XXXXXXXX, and XXXXand yet, no resolution has been provided. The inaccuracies include : Multiple Charge-Offs Reported : American Express is reporting multiple charge-offs for the same accounts, which violates the Fair Credit Reporting Act ( FCRA ) 15 USC 1681s-2. An account can only be charged off once, and reporting multiple charge-offs is inaccurate and harmful to my credit profile. 

Account Numbers Involved : XXXX, XXXX, XXXX Inaccurate Account Status : These accounts are also being reported as " open, '' which further exacerbates the inaccuracies and negatively affects my credit score and financial standing. 

These reporting errors have caused significant financial harm, including preventing me from extending credit to support my family and purchase a necessary vehicle. Despite my efforts to dispute the inaccuracies with both American Express and the credit reporting agencies, the erroneous information remains on my credit reports. 

The following are some of the potential violations they are reporting, Reporting multiple charge-offs for the same account. 
Reporting incorrect account statuses ( open vs. closed ). 
Failure to correct the inaccuracies despite repeated disputes, violating FCRA 15 USC 1681i which requires reasonable reinvestigation of disputed information. Complaints have been filed with the credit reporting agencies with the following complaint numbers, XXXX : XXXX XXXX : XXXXXXXX XXXX XXXX XXXXXXXX. 

I seek the assistance of the CFPB in ensuring that American Express complies with the FCRA and resolves this matter promptly.
Product: Bank account or service

There was fraudulent activity on my account and I was told that I may just get my money back right away or I may get some paper work in the mail first. I said that was fine, well a week goes by and non paper work and no credit. I went to a branch and they told me in 7 business days id get a provisional credit to my account while they further the investigation. Well nothing still. No one has contacted me about anything and no mail. I call the bank today and the rep was rude, they got loud with me and told me that it may take up to 90 days for me to get my money back. This is unacceptable customer service. I am switching banks asap.
Product: Checking or savings account

I received a Data Breach letter from Morgan Stanley stating that my personal information had been compromised.