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

On XXXX/XXXX/16 i was charged an overdraft fee of {$36.00}, not once was i notified of being over drawn so i had no chance to correct my banking mishap before being charged justly. Called into their XXXX BB & T support line XXXX after speaking with the rep was told i was given a reversal short of right after BB & T took over Susquehanna bank and they can not reverse the fee as its policy they only credit it back once per customer. The fault is mine for the money not being there the fee is their fault for not properly notifying me as the consumer to get the issue resolved ... it could have been days before noticing my account was overdrawn which for them would be a sweet {$36.00} a day still not notifying the customer of such issue. Spoke to the supervisor who refused to reverse it as a supervisor still has no rights to credit it back manager etc so policy 's jacked. Supervisor advised i am correctly signed up for all email and text alerts and that tech team will call the following day to troubleshoot the issue with alerts, the following day got no call from the techs had to manually call back in. Speaking with the tech, who refused to open or look at the ticket # i provided right off the cuff, not till i got irate did he then look at it and say it honestly means nothing -- he then told me that they lied and i was not set up for text alerts. XXXX department to another they can not get their answers straight as they are at fault and still refuse to credit back the fee in their negligence to notify me properly. Then also i found out tonight they charge customers a fee of {$2.00} per call after your first XXXX calls in the billing cycle not once was i advised of such fee and then again unjustified have been charged without a word edge wise to prevent such fees. This needs to be corrected and they need to get straightened out as they are making a killing robbing from their consumers. Thank you for taking the time to review this request and any actions taken to resolve this matter. Have a great day folks!
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding XXXX and Equifax XXXX to Respond to Initial Complaint within Legal Required Timeframe Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Equifax and XXXX regarding their failure to respond to my initial complaint within the legally mandated timeframe, as stipulated by the Fair Credit Reporting Act ( FCRA ). Despite my efforts to resolve the issue directly with Equifax and XXXX, they have not acknowledged or addressed my complaint within the 30-day period specified under Section 611 ( a ) ( 1 ) ( A ) of the FCRA. 

On XX/XX/year>, I submitted a complaint to XXXX and Equifax regarding unauthorized inquiries, identity theft, and inaccurate information on my credit report. Furthermore, I have discovered that XXXX and Equifax have accessed and reported on my credit information for over 10 years without my authorization or knowledge. According to Section 604 of the FCRA, consumer reporting agencies must obtain a permissible purpose before accessing a consumer 's credit report. I did not authorize XXXX XXXX Equifax to use or report on my credit information for any purpose. According to Section 611 ( a ) ( 1 ) ( A ) of the FCRA, upon receiving a dispute, consumer reporting agencies such as XXXX and Equifax are required to conduct a reasonable investigation within 30 days, unless they consider the dispute to be frivolous or irrelevant. In my case, both XXXX and Equifax have failed to adhere to this statutory requirement by not responding at all within the specified timeframe. 

This delay has caused significant inconvenience and potential financial harm to me. As a consumer, I rely on accurate credit reporting to secure loans, housing, and employment opportunities. XXXX and Equifax 's non-compliance with the FCRA has directly impacted my ability to manage my financial affairs and protect my creditworthiness. 

Therefore, I request that the Consumer Financial Protection Bureau intervene and take appropriate action against XXXX and Equifax for their failure to comply with federal law. Specifically, I request that XXXX and Equifax be compelled to remove my entire complaint from my credit report immediately, as they have forfeited their right to report it due to their failure to investigate and respond within the required timeframe. 

Please inform me of the steps you will take to address this matter and ensure both XXXX and Equifax 's compliance with federal consumer protection laws. 

Thank you for your prompt attention to this urgent matter. I look forward to your timely response and resolution of this complaint. 

Sincerely, XXXX XXXX
Product: Debt collection

I bought a coin from XXXX XXXX..I placed payment with my credit card company.. I did not receive product after reasonable time and placed a dispute with credit card company and payment to XXXX XXXX, XXXX TX. After extended time and communication with XXXX XXXX.. Received product. I called both credit card company and XXXX XXXX to release funds to XXXX XXXX. All XXXX had to do was contact my credit card company and funds would be released.. They failed to do that.. I contacted XXXX XXXX and they said they never ran into this problem and did n't know what to do ... Ha Ha ... I then contacted my credit card company and they cancelled the transaction. I then sent XXXX XXXX a check for the full amount. It was sent Priority Mail with delivery confirmation. It was delivered on XX/XX/XXXX ... As of this date they have not cashed the check ... .... But they did turn my name over to a collection agency Caine & Weiner ... That company wants payment threatening to send in a negative report to the credit bureau ... Along with that phone calls.to my home and cell .... I have attempted to pay XXXX and for whatever reason they will not cash my check.. I have no intention of paying to have the check cancelled and sending one to this supposed collection agency.. I just want them to cash my check and leave me alone.. FYI there are an outlandish amount of alerts for deceptive business practices filed against XXXX .... Not sending products paid for .... Saying products returned were nothing but empty envelopes .... Changing prices for products after purchase ... An interesting note is XXXX XXXX will not respond to communication attempts ... However they did send my name to a collection agency in less than 45 days from my initial purchase .... And without contacting me first .... A little quick on the trigger ...
Product: Mortgage

I was notified by Wells Fargo via email on XX/XX/21 that I had incurred an NSF fee in my XXXX  checking account because my XXXX mortgage payment increased without my prior knowledge. I contacted XXXX to try and understand the issue and get the NSF reversed. I first contacted the XXXX number and the employee did reverse the NSF fee because of the situation but could not help me with the mortgage issue so she transferred me to another XXXX employee. They had mailed me my annual escrow analysis statement back in XXXX, but it did not arrive. I understand because its the USPS and not very reliable. 
The mortgage employee explained that my payment increased because of an increase in taxes and this caused my payment and additional principal payment to increase. She would place a work order to change the payment amount and principal payment amount to correct this issue for XXXX going forward. I asked what about my XXXX payment and she said she would place a note to correct the XXXX payment too. 
I later received another email on XX/XX/21 because the payment was tried again and the work order was not fulfilled. 
I contacted XXXX  mortgage again on XX/XX/21 and was told the work order will not take care of the XXXX payment but will take care of the XXXX payment going forward. I was transferred to a mortgage supervisor who told me I had to talk to my checking account financial intuition ( which is XXXX ) to place a stop payment so XXXX mortgage will stop trying to pull my mortgage payment. I was transferred to the personal banker line of XXXX ( after sitting on hold for some time ) who said he couldn't do it but would transfer me to someone who could. The next XXXX employee told me she couldnt do it. She worked in the background figuring out what to do for another 20-30 minutes while i waited, she finally transferred me back to XXXX  mortgage who told me the same thing i was already told earlier. In total, I was on the phone for a total of 1 hour and 13 minutes and the final guidance i was given was to just wait for all three attempts of XXXX  mortgage to try and pull the money out of my account, even if i keep getting NSF fees, and after the three attempts, make a manual payment of the amount i want.
Product: Student loan

I have requested the repayments already made on the student loan debt and received a generic reply from Nelnet that this is being worked on. I have not received the requested information after several months.
Product: Debt collection

I received an email from this company, claiming to collect a debt for a payday loan. Not knowing what this was about I called them. Right, away, they said they were going to send the police and have me severed and possible jail time if I didnt take care of the debt. I am being scared and not knowing what to do, gave the person my contact, mailing, and email information. Just my own no one elses. 

The person ( XXXX XXXX ) told me that he was going to send me an email that same day right after we got off the phone and a letter to my home address. A few days go by and I did receive the email. I called the number on the letterhead and it was to a construction company, I then tried to locate the company online and contacted the BBB and no one has ever heard of this company. 

I called again but at a different time then the first time calling, and XXXX XXXX answered. I told him I didnt receive the email or the paperwork. He did finally send the email. In giving him my contact information, I had given him my debit card information after looking on the FTC websites and reading about scams I canceled and not knowing this company and not finding out any information about it. I thought it was best to do so. 

I called the original place I got the loan from and they told me that they have never heard of this company and told me they sold it to another company for which they gave me the information too. 

This was not the company ( on letterhead ) that was stated to me. In the interim of canceling the debit card, they had started calling my parents they did not get their phone number from myself. Telling my parents that the police are going to come and arrest me and arrest both of them too. I called them and told them not to call my parents. Both my parents are very ill, my mother is recovering from a double XXXX transplant and my father had a small XXXX XXXX in early XX/XX/2019. 

I told XXXX XXXX again when I called that I still have not received the paperwork that was supposed have been mailed to me. 

I called today XX/XX/2019 and again asked him why do they keep calling my parents and Ive asked you not to that you have my contact information and again that my parents are very ill, those calls are upsetting to both of them. 

I also ask for proof that the company was real because I have no way of knowing this and he got very upset with me in my asking. I don't know who this company is and they are not professional at all. But, most importantly I don't want them to call my parents anymore I'm so afraid that something will happen to them because of their harassing phone calls.
Product: Debt collection

XXXX XXXX a debt collection agency. Sent me a payoff notice for a bill for XXXX XXXX XXXX XXXX for {$340.00} and they wanted a pay off amount of {$260.00}. as per their agreement on the paper statement they sent me. I sent them a certified bank check for {$260.00} and they now claim I still owe them {$86.00} even after I called them several times, they said they would close the account as paid in full. They have refused to close my account. I still have a derogatory collection amount of {$86.00} on my credit report. They are committing fraud against me.
Product: Credit reporting or other personal consumer reports

I am writing concerning my credit report, which contains inaccuracies requiring your attention. Specifically, I dispute this account : XXXX XXXX XXXX 

The basis for my dispute is the lack of sufficient information provided by your agency to verify the debt in question. Both XXXX and XXXX, other credit bureaus, have already rectified the inaccuracies in these accounts from their records due to identified errors. I am perplexed as to how your agency has verified these accounts while the other bureaus have updated them. Therefore, I request that you correct these accounts in my credit file as they are inaccurate, erroneous, incomplete, or unverifiable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credence Resources Management a collection agency that purchased the debt from XXXX XXXX XXXX continues to Tarnish credit report and creditworthiness. XXXX  displays debt from company. XXXX had a buyout promotion during the time. XXXX agreed to pay off XXXX XXXX XXXX. Began services with XXXX and XXXX XXXX XXXX were satisfied.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX  XXXX, NY XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Product: Checking or savings account

My appraisal company has been low on cash due to the recent rate hikes. Our volume decreased by 90 % but I still had to pay our employees. Chase bank has charged me {$490.00} in overdraft fees in the past two weeks even though checks are still being deposited they keep charging me keeping my balance low and hindering my attempts to get caught back up.
Product: Credit reporting or other personal consumer reports

I have read my credit report and I see an inaccurate and unlawful account. It has several late payments which are arroneus. The information listed is not aligned whit the other bureaus. This is a big violation of FCRA, please verify these late payments that you claim I did commit. SEND ME documents such as contracts, billing statements, signed agreements and the representatives you spoke whit who verified it WITH AN affidavit. If the requested documents are not met. Please remove these erroneous and unlawful late payments on my payment history like XXXX did. 

I DID MY RESEARCH AND HERE ARE THE LAWS YOU ARE VIOLATING : 15 U.S. Code ss 1681e ( b ), it's crucial that consumer reporting agencies take reasonable steps to ensure the highest possible accuracy of the information concerning an individual in their reports.

15 U.S. Code ss 1681 e ( b ), it is stated that when a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the highest possible accuracy of the information concerning the individual. 

I am fully aware the under 15 U.S. Code ss 1681i ( 5 ), it is stipulated that if, after a reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information accordingly and notify the information furnisher of the changes.

15 U.S. Code 1681s-2, specifically, the Responsibilities of furnishers of information to consumer reporting agencies, it is noted that within 30 days, you did not properly indicate that this account was under dispute, thereby resulting in a violation of this provision. 

15 U.S. Code 1682n ( b ) civil liability of a natural person I've been violated. 
My disputes are detailed and directly related to the accounts in question. A template response WILL NOT BE acceptable response. If, within 15 days after your investigation, you are unable to provide me with verifiable proof, you are obligated to remove erroneous and unlawful late payments on my payment history. Listed below These account should not reflect as negative : XXXX. XXXX XXXX # XXXX YOU ARE NOT reporting 100 % correctly. You are violating FCRA. DELETE the late payments on my payment history ASAP.
Product: Debt collection

In XX/XX/XXXX I was staying at a friends house while waiting for my apartment to be vacant. I had to make two trips to the XXXX due to XXXX. While there I gave them my father 's insurance that I am listed on. In XX/XX/XXXX I moved back in with my parents and submitted a change of address, at this time I still had no received any type of written communication about money being owed. Fast forward to XX/XX/XXXX I tried to purchase a new car and it said my loan was denied due to derogatory marks on my credit. As I was looking at it, it shows that my insurance was never billed and I never once received any form of communication from the collection facility. I have since contacted the hospital and they said they were going to review the account and make sure to bill my insurance. Since then the late payments have been removed but the derogatory marks are still there. No one from the collection place has tried to contact me regarding any account that I have or that I could dispute it. The hospital is saying that it is up to me and the collection company now. When I have tried to contact the company myself the customer service gives me the run around and will not help me with any answers.
Product: Vehicle loan or lease

We bought the car after experiencing the loss of our previous car from a MVA in which the car was totaled. We felt pressure to buy something quickly, from the insurance company. We purchased a XXXX XXXX, and the XXXX dealership obtained financing through XXXX XXXX XXXX. The account number is XXXX. The payments became a struggle when I had to stop working as a XXXX XXXX XXXX due to health problems. I tried to work with the company to reduce payments and they were unwilling to work with us to lower the payment amount. We thought maybe we could trade the car in and lower the payments that way, and the gentleman at the XXXX dealership suggested just letting the car go. It would only hurt your for a year. In fact he told us he had done the very same thing and it did n't affect his credit at all. They refused a trade in because the amount owed was more than the value of the car. Being desperate to lower our payments we fell for this and purchased a XXXX XXXX XXXX for {$300.00} less per month. I tried to talk my husband out of this but he would change his mind. My husband was diagnosed with XXXX XXXX XXXX in XXXX and does not always see things clearly. They came and repossessed the car, sold it and the amount we still owed was {$17000.00}. We only paid XXXX for the car new. I was not able to maintain employment and had to file for XXXX due to XXXX. We tried so hard but we were so gullible. The car was purchased at XXXX XXXX in XXXX  Carolina.
Product: Mortgage

We have an FHA 1-Year Adjustable Rate mortgage with SunTrust Mortgage as a result of a refinance in XXXX. Beginning in or about XXXX XXXX, Suntrust did not properly apply our monthly mortgage payments. In addition, we ceased receiving our annual interest rate adjustment notification, and monthly mortgage statement. At that point, we had no idea of our monthly mortgage payment. We attempted several times to make monthly mortgage payments, based on our previously known amount, and they were returned. We notified Suntrust Mortgage repeatedly of the error, and attempted to resolve the issue to no use. Suntrust is pursuing a foreclosure on our home, scheduled for XXXX XXXX, XXXX, at the same time our loan modification is being processed. On XXXX XXXX, XXXX, we forwarded our loan modification package to their offices via USPS Priority Mail. The package was received on XXXX XXXX, XXXX. Shortly thereafter, Suntrust requested additional documentation which we provided. The additional documentation was sent via XXXX on XXXX/XXXX/XXXX, and received in their offices on XXXX/XXXX/XXXX. We made a follow-up call on XXXX/XXXX/XXXX to Suntrust to check the status. We were told that the documentation was not showing in the system, and we informed them of the delivery. The same documentation, including the XXXX proof of delivery on XXXX/XXXX/XXXX, was emailed directly to the representative ( XXXX XXXX XXXX ) on XXXX/XXXX/XXXX. Subsequently, in addition to SunTrust Mortgage pursuing a foreclosure on our home at the same time, they continue to mysteriously misplace documents vital to our package. We have complied fully with their requests for additional documentation, but it always seems to get lost. The last occurrence happened today XXXX/XXXX/XXXX. Since the forwarding of the last requested document on XXXX/XXXX/XXXX, we received no communication from SunTrust as indicated. We made a follow-up call on today ( XXXX/XXXX/XXXX ) to XXXX XXXX XXXX. He was not available, and we were transferred to another representative ( XXXX XXXX ). It was discovered that the last document was also not entered into their system. Copies of the previous emails to XXXX XXXX XXXX were forwarded to XXXX XXXX. She indicated that the XXXX XXXX, XXXX foreclosure sale was still scheduled, and the matter would have to be escalated. We were told the supervisor was not available, and she would call us back by tomorrow. We have complied with all of Suntrust 's requests in this matter. In our opinion, we also have the income to support remaining in our home. Yet, vital documents continue to be lost while Suntrust Mortgage continues with a foreclosure without any regard for documents forwarded, processing, and the overall review process.
Product: Debt collection

XXXXXXXX XXXX XXXX, want tobe in business. so but never was in business. Insurance company XXXX XXXX XXXX XXXX XXXX ) asking fee ( over $ XXXX ) audit fee. We told them and proof them so many times we never perform any business. Their inspector also agreed. Company should not be responsible for audit fee. 
plus they are looking this dept from me personal. This is a closed Corporation. I was a XXXX in papers. They e mail me and harassed me every week. this is the information XXXX XXXX Senior Commercial Collections Agent Direct XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX www.caine-weiner.com
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Chime Stole my money close my account took Social Security raise my name off the account repeatedly been with you since 2018