23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against XXXX XXXX for Failure to Reinvestigate Disputed Credit Report Information and Correct Inaccurate Information being Reported to the Credit Bureaus Dear Consumer Financial Protection Bureau ( CFPB ), I am filing a formal complaint against XXXX XXXX XXXX for failing to properly investigate and correct inaccurate, incomplete, inconsistent, and unverifiable information they are reporting to TransUnion, XXXX, and XXXX such as incomplete payment history, inconsistent account status. The company is reporting recent late payments despite the account being charged off and reporting as a write off. I have not received any bills for this account in over a year, yet they continue to report new delinquencies ; all of my credit reports have different information. Despite multiple disputes made directly to the office by phone, by email and requests submitted to the credit bureaus, the company continues to report the same incorrect information. Please delete this item from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ), credit reporting agencies are required to conduct a reasonable investigation of disputed information within 30 days of receiving a dispute. Additionally, under 15 U.S.C. 1681s-2 ( a ) ( 1 ), furnishers of credit information, such as XXXX XXXX XXXX XXXX have a legal duty to provide only accurate and verifiable data to the credit bureaus. Their failure to properly investigate my disputes violates these legal obligations. 

Furthermore, under 15 U.S.C. 1681s-2 ( b ), once a furnisher is notified of a dispute by a credit bureau , they are required to delete this item from my credit report Lendmark Finacial refusal to properly investigate despite their continued reporting of disputed information is a direct violation of these provisions and is causing me to be denied housing and additional sever financial hardship I am requesting that the CFPB investigate this matter and take appropriate action to ensure that XXXX XXXX complies with the FCRA. Additionally, I request that the CFPB hold them accountable for their failure to uphold consumer protection laws. 

Please advise on the next steps regarding this matter. Thank you for your time and assistance. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I have received notices from XXXXXXXX XXXX  in regards to my XXXX and XXXX XXXX XXXX XXXX ... my limit on both of these accounts by XXXX ... 

These accounts I have paid on time ... and paid off once ... I have complied with them, while tolerating customer service reps being hateful at times ...
Product: Debt collection

I have been disputing 2 accounts with the credit bureaus for sometime now. Each time they would say that National Credit Systems would verify the debt. So I took it upon myself to ask National Credit Systems for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Product: Checking or savings account

UMB of XXXX XXXX has extended the length of time to do bill pay from accounts and now has refused to make any medication to the problem. All of the problem phone lines say this is a problem and it will be solved ( 2 days ago ). in the mean time I have monthly bills not being paid and having to pay with a 2nd form of payment other then UMB. The usual time for bill pay is 3 days it has now been 7. Is this bank going out of business should I withdraw all of my money before I lose it.. 

Thanks for any help. 
XXXX XXXX
Product: Checking or savings account

I am writing to file a complaint against navy federal credit union regarding multiple overdraft fees l have occured. Despite having sufficient funds when transactions were authorized, I was charged l was charged fees do to lagged posting of charges and credits. This issues aligns with the recent cfpb findings against navy federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe this practice was unfair and request a investigation into my account transactions.
Product: Debt collection

I had a car loan with SunTrust Bank. The payment was made each month automatically by XXXX XXXX. Suntrust Bank was purchased by BB & T Bank and the new bank, Truist, did not accept the electronic transfer of the funds for the car payment. XXXX has to mail a paper check to Truist XXXX month. In XXXX I was notified by Truist that the car payment had not been paid the previous month. I contacted XXXX and I was told that the car payment had been sent 4 weeks eariler, but the check was never cashed. I contacted Truist and I was told I needed to authorize an immediate debit from my checking account, to pay the past due payment, and I was told to have XXXX Bank issue a " stop payment '' on the missing check. I did exectly as they asked and the payment was debited from my XXXX account. Evidently, later the same day, Truist located the missing check and discovered a " stop payment '' order was issued on that check. Trusit then charged me a {$25.00} fee for the " stop payment '' even though that is exactly what they had told me to do. When I asked for the fee to be waived, I ws told that only a supervisor could do that. When I asked to speak to a supervisor, I was told that was not allowed. I then asked for someone from Truist to contact me. I have never been contacted, and the fee has not been waived.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a certified letter to Equifax XX/XX/2022, which was received XX/XX/2022 @ XXXX requesting the removal of several inaccurately reported accounts. To date, I have yet to receive a response. I understand they have 30-days to reply to my request once they received, but I have not received response or notification of a conducted investigation as required by law under the FCRA.
Product: Vehicle loan or lease

Two payments were taken out of my account when only one should have been. This put me in a bind. I called in in order to try and get a refund for the extra payment and I was told that it takes 3-5 business days in order for this to be processed and also the funds mailed paper check to my address. I advised the representative to check and see if there was a faster way for the funds to get returned to me and they were not willing to find out. I waited on hold for 40 minutes when I requested to speak to a supervisor. Then the representative returned and told me no supervisor was available and they would transfer me to their voicemail. I asked for the supervisors contact info so I can follow up as this is urgent and I was denied the request.I am reaching out as I need help. I am also going to file a complaint because the way the call was handled was not great customer service at all. Transaction  were XX/XX/XXXX for $XXXX and $XXXX.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found unauthorized inquiries. I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : 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 XXXX XXXX
Product: Credit card

The card promised the benefit listed below but after payment of my annual fee I received notice this benefit was ending as of XXXX XXXX, 2015. I called for reimbursement of my {$60.00} annual fee and was told that was not possible. I paid my fee but US bank did not honor their part of the agreement. 

2.Bonus Award Night : When you redeem XXXX for Award Nights of XXXX or more consecutive nights at the same participating XXXX XXXX hotel property, you will receive the last of the Award Nights of that stay free without deduction of any XXXX from your Club XXXX account ( " Bonus Award Night '' ). Your Account must be open and reservation must be in the XXXX XXXX member 's name and use the member number associated with your Account to be eligible for the Bonus Award Night. The Bonus Award Night offer is available only on advance reservations for Award Nights paid in full with XXXX XXXX and is not valid with standard paid reservations or XXXX redemption reservations. Only XXXX Bonus Award Night will be available for a stay of XXXX or more consecutive nights at the same hotel ( early checkout with XXXX night stay not eligible ), regardless of the total length of stay, the total number of reservations or the number of check-in/check-outs, is subject to availability and all other terms and conditions and cancellation policies regarding Award Nights apply. Does not apply to additional reservations booked as contiguous stays at the same hotel. Only XXXX room per reservation, per hotel for an Award Stay will be eligible to receive the Bonus Award Night offer. Your Account must be open at the time of redemption to qualify for Bonus Award Nights ; any Award Night reservation made before your Account was open will need to be rebooked to qualify ( rebooking is subject to availability ). Maximum XXXX ( XXXX ) Bonus Award Nights per calendar year per member with an open Account ( " Annual Maximum '' ). If a reservation with a Bonus Award Night is subject to a cancellation penalty, the Bonus Award Night from that reservation will count against the Annual Maximum. A Bonus Award Night has no XXXX or cash value and cancellations involving a Bonus Award Night will not result in the credit of any additional XXXX in your XXXX account
Product: Debt collection

Non stop robo phone calls from Capital One credit card 6 days a week. I have told them I am represented by legal counsel and they continue to ignore me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to report disputed unknown collection listed as XXXX XXXX which is a collection account for XXXX XXXX. This unknown collection account was immediately deleted from XXXX  and XXXX. Collection was previously listed and properly deleted from all 3 credit bureaus when listed with a different collection company 3 months prior. Equifax continues to verify and list this unknown collection account and fails to verify the collection as requested and required by the FCRA.
Product: Checking or savings account

On XX/XX/2023, there was a XXXX of {$1500.00} that was sent under XXXX 's profile to a XXXX account that was not authorized by us. We called Chase immediately to dispute this transaction and file a claim. Chase told us that it would take at least 10 business days to approve or deny the claim. We followed up on this claim and was told the claim was denied. Confused on why Chase was denying responsibility to an obvious bank error we requested to reopen the claim. It was reopened and later we were told that it was again denied. On XX/XX/2023, we spoke with Claims Management after being hung up on by one another one of the supervisors. Throughout the entire process, Claims representative was rude, belligerent, unempathetic, and inconsistent in their explanations. On XX/XX/XXXX, I spoke with XXXX, a Claims manager, he said that the XXXX was sent to a company by the name of XXXX XXXX XXXX XXXX via an email address XXXX. I explained to XXXX that there was no way we could have mistakenly entered an incorrect email address. That this is obviously a bank error. I even offered to send in proof via email. Instead, I was yelled at by the representative and told that there was no way Chase system could have made an error. I requested to speak with a manager and was told that a manager would have to call me back in 24 to 48 hours. I received a call on XX/XX/XXXX from XXXX. During this phone call XXXX explained to me that she sees that XXXX entered the intended phone number of XXXX. Yet, she could not explain why it was sent to the wrong recipient even though on the same day I sent the same amount ( XXXX ) to the same number ( XXXX ) and it was received by the correct recipient. She could not explain why it happened but insisted that the bank could not recover funds so they would not refund the {$1500.00} even though it is obviously a bank error. On XX/XX/2023, I spoke with XXXX, another supervisor in the Claims department. I was told by XXXX that she could not see what information was entered. As mentioned earlier, every time I speak with a Chase representative, I am being told different information. I've explained that this {$1500.00} is costing us XXXX of dollars because it has caused our account to be overdrawn and preventing us the ability to get approved for a merchant advance. This merchant advance is what we would use to purchase equipment and make sales that would generate upwards of {$30000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Has been sending me collection notices in the amount of XXXX Balance updated XX/XX/2022 the collection has been reported as past due balance. 
I do not know this company. 
I have never done any business with this company. This company does not have a contract with my signature. 
XXXX XXXX XXXX XXXX keeps harassing me, calling me daily, there are no late payments, nor reported amounts have reported to the credit report.
Product: Credit card

In XX/XX/XXXX I took advantage of two year-long, 0 % promotional APR rates through my Bank of America credit card to help pay for my daughter 's wedding. At the same time I continued to use the card for purchases and had an outstanding balance. The APR on the purchase balance was at 14.24 %. The APR on the promotional purchases was 0 % up through the expiration period on XX/XX/XXXX. 

On XX/XX/XXXX I made payments on my account sufficient to pay off the promotional balances and some of the purchase balance. My assumption was that the promotional balances, even though they were currently at 0 %, would be paid off because they had an underlying rate of 19.99 % that would take effect the next day, on XX/XX/XXXX. 

Because the rate on XX/XX/XXXX was 0 %, the purchase balance - at 14.24 % - was paid off and the rest of the payment went to another O % promotional purchase that was to expire in XX/XX/XXXX. In the meantime, the XXXX promotional balances that had been at 0 % on XX/XX/XXXX went to 19.99 percent on XX/XX/XXXX. The irony of this is if I had known clearly that my payment would go to the purchase balance before the promotional balances, I would have waited a day to make my payment. 

According to the customer service representatives at Bank of America, they followed the law that Congress passed. However, it seems as though the law, while well-intended to make sure that high-interest balances are paid first, had an unintended consequence ; or was it a loop-hole that banks have capitalized upon, literally? 

In fairness to Bank of America, when I called customer service and explained the situation, they acknowledged my intention and have credited nearly {$200.00} in interest charges back to my account, AND reset the interest rate to the purchase rate of 14.24 percent. Although it did take three separate calls to customer service to explain my concern, and finally a referral to a supervisor, who made that adjustment. Even so, they certainly did n't have to do that, and for that, I am grateful and appreciative. 

So this is n't as much a complaint about a bank and a credit card as it is about the legislation and how it is being applied.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I sent Experian a letter asking them to remove incorrect personal information. I sent them a follow-up letter on XX/XX/2020 when Experian had made no changes to my report. Both letters included a copy of my driver 's license and social security card, but Experian has refused to remove incorrect information. It is over 90 days later and Experian is violating federal law willfully reporting incorrect information.
Product: Credit card or prepaid card

I received a promo offer for 5 X points for charges on my Care Credit account through XX/XX/20. I used my card at a network dental provider, but did not receive the promo offer. I have sent multiple messages, and called Synchrony Bank, up to and including sending pictures of the actual promo received. They are stating that it was a XXXX offer, and it is very clear to me that they are not even referencing the promo I received. I have the promo card offer there are no dates other than charges thru XX/XX/20. I received 2 X points, but not the 5 points offered on the mailer. Very deceptive and misleading advertising. I have had multiple issues with this bank and the integrity of their promo offers.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau never did a proper investigation according to the FCRA. 

The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

The did not do this.

Also they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 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 an account without my written instructions I did not give anybody written instructions
Product: Credit reporting or other personal consumer reports

I am writing to formally address a persistent issue regarding inaccurate information on my credit report. Despite my previous notifications, it has come to my attention that the incorrect information is being continuously deleted and re-applied, which is causing significant distress and potential harm to my financial standing. 
I have brought to your attention the discrepancy in my credit report. Despite this, the incorrect information has not been permanently rectified. This repeated pattern of deletion and reappearance not only reflects poorly on the accuracy of your reporting but also undermines the integrity of my credit history. 
I request that immediate action be taken to thoroughly investigate and permanently remove the inaccurate information from my credit report. Furthermore, I expect a formal acknowledgment of this notice and a detailed plan outlining steps to prevent similar occurrences in the future.

Please be advised that failure to address this matter promptly and effectively may result in further escalation, including legal action to protect my rights as a consumer. 
I anticipate your prompt attention to this matter and look forward to a swift resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was robbed last year and lost my backpack, including all my IDs, electronic devices, and wallet ( had XXXX XXXX XXXX credit card in it ). I wasnt able to get access to my account and paid off my remaining balance on the card on time since I lost my identity. After I got my IDs replaced, I made a settlement payment to end with XXXX 's on a good term and close my account since I don't know if someone else could be potentially using it. However, my credit report on XXXX, XXXX, and Experian shows this as a negative delay on the payment, which I wasn't able to make due to this terrible crime that I was a victim of. My credit score also dropped drastically due to this negative record. I have filed multiple disputes on Experian since XXXX, and they wouldn't agree to delete this record even though they agree what I stated appeared to be accurate. This is not fair!
Product: Credit card

I opened a home Depot account in XXXX Alabama and they refused my endorse payment coupon. A notice of dishonor on them according to UCC 3-503. HJR 192 states no debts can be paid and must be discharged. I endorsed the coupon with my beneficiary signature and they refused it as payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is identity theft fraud but The company call me XXXX  and make fun of me I tell the company they not do anything I already put in a arbitration case against them
Product: Credit reporting, credit repair services, or other personal consumer reports

The following multiple entries on student loans were reported on my credit report.. The account should not reflect as late because this is assigned to government. This is a clear violation of the FCRA ..Credit Bureaus could not give me concrete explanation as to why they wont delete it..Please step up CFPB and delete US DEPT OF EDUCATION, US DEPT OF EDUCATION, US DEPT OF EDUCATION, US DEPT OF EDUCATION, US DEPT OF EDUCATION, XXXX XXXX XXXX XXXX DEPT OF ED/XXXX , DEPT OF ED/XXXX, DEPT OF ED/XXXX, DEPT OF ED/XXXX,
Product: Checking or savings account

For no reason, US Bank closed my account. When I called for an explanation, they stated they don't have to give one. The account was closed due to Terms and Conditions.

I don't know what means, the bank will not explain to me why the account was closed. I have rarely bounced a check to anything else.