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

I have been charged over draft fees for transactions that were covered. I called to to them and they explained it was because of transactions that were covered yesterday I explained that has nothing to do with the pending charges that are covered. 
I have took pictures of my account when I was online and talking to the rep at the same time. The supervisor continued to talk in circles and would not refund my {$72.00} for XXXX charges that were covered. They literally just stole my money and and tried to justify it by saying it was the pending charges that were not posted and they were covered too, with the deposit that came in today. I am sick of this bank charging me for fees and moving money around to make money. I was told by a a manager at a local branch that fees were charged based on anticipation, as well I told her that was unfair and unethical and if money is in there to cover transactions then a fee should not be charged. I want my {$72.00} back and I will not be banking with Suntrust anymore. They did n't used to do this and all of a sudden they find a way to always get money from me. Always moving money to get a fee maliciously. This bank needs to be exposed for their repeated theft from my account based on anticipation.
Product: Money transfer, virtual currency, or money service

Commencing on or around XX/XX/2022, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX  ( the imposter Company ), which involved me making deposits for a total amount of XXXX XXXX from my Crypto.com account to fraudulent investment firm ( XXXX ).
Product: Credit reporting or other personal consumer reports

I sent an initial complaint dated XX/XX/2024 with the inaccuracies that are being reported differently across XXXX, XXXX and XXXX. They ( JPMCB ) received that letter with certified returned receipt on XX/XX/2024. Their response was a " canned '' response that all is well and they are reporting EVERYTHING accurately. A second letter was sent today ( XX/XX/2024 ) certified signature required with further violations highlighted. I hope they cure the deficiencies by fixing or deleting the inaccurate items as required by Law.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX Subject : Complaint Regarding Debt Collection Practices Dear Sir/Madam, I am writing to file a formal complaint regarding the debt collection practices of GENESIS CRDT. I believe that their actions have violated several laws and regulations, including those outlined under 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( c ) ( 4 ) ( i ), 12 CFR 1006.34 ( d ), and 15 USC 1681-s 2 ( 7 ) ( A ).

Under 12 CFR 1006.34 ( b ) ( 5 ), debt collectors are prohibited from making false or mislead
ing representations. However, GENESIS CRDT has repeatedly prov

ided inaccurate information and made misleading statements regarding the debt I dont owe.

Furthermore, under 12 CFR 1006.34 ( c ) ( 4 ) ( i ), debt collectors are required to provide consumers with written notification of their rights. I ha
ve not received any such notification from GENESIS CRDT, which is a clear violation of this regulation.

Additionally, under 12 CFR 1006.34 ( d ), debt collectors are prohibited from engaging in unfair practices. GENESIS CRDT has employed aggressive and harassing tactics in their attempts to collect the debt, which

I believe constitutes unfair practices. Lastly, under 15 USC 1681-s 2 ( 7 ) ( A ), debt collectors are required to provide accurate and complete informa
tion to credit reporting agencies. However, GENESIS CRDT has inaccurately reported information about my debt, which has negatively impacted my credit score. 

I am requesting that GENESIS CRDT provides me with the purchase agreement between them and the original creditor, I will also need GENESIS CRDT to furnish proof that theyre licensed to collect a debt in state of Texas .

I request that the Consumer Financial Protection Bureau investigate the actions of GENESIS CRDT and take appropriate action to ensure they comply with the laws and regulations governing debt collection practices. I also request that any incorrect information reported to credit agencies be removed immediately. 


Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have letters from the 2 judges on two bankruptcy cases that were decisioned stating that the bankruptcies were filed under my name fraudulently and the credit agencies ( Experian, XXXX, XXXX ) continue to report 1 of the two on my credit report. I have sent them copies of the judges decision and that it was fraud but it remains on my report. The Decisions were made on the following dates : XX/XX/2021 XXXX XXXX XXXX decisioned my case and I sent a copy of the letter within the next month to all 3 credit agencies and it was removed. On XX/XX/2021, XXXX XXXX XXXX decisioned my case and also stated that it was fraud that should be removed. I sent a copy of the letter and the credit agencys refused to remove it from my credit report, thus affecting my credit score and my ability to buy my first home. At this point, I feel helpless and I really need some assistance with this matter.
Product: Credit reporting or other personal consumer reports

Experian removed the XXXX XXXX  with a balance of {$10000.00} OVER a year ago due to the account being fraudulent. The identity theft report should be on file. I attached ANOTHER FTC Identity Theft Report showing the account is indeed fraudulent and to make sure this fraudulent account gets removed AGAIN and STAYS off of my report. This account was NOT authorized by me and is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm having a problem with someone applying for American express credit cards in my name to my address. I have no reason to apply for XXXX American express cards when I'm trying to build my credit! purposely trying to leave hard inquiries on my account to XXXX me over!
Product: Debt collection

Subject : Unauthorized Charges and Debt Collection Concerns Dear CFPB Representative, I am writing to file a complaint regarding a company that has engaged in questionable billing and debt collection practices. The company sold my debt to a collection agency, yet they continue to charge my card daily in an attempt to collect a balance I was unaware of. 

Additionally, the company failed to provide the services they were contracted for. I have evidence that on Monday, XXXX XXXX XXXX a technician was scheduled to provide services but had to reschedule due to a family emergency. After that, I did not reschedule or engage with the company further. However, when I reviewed my credit report a month later, I discovered that the company had sold the debt to a collection agency. 

Given that the debt has been sold, the company should no longer be attempting to charge my card. Their continued attempts to process payments for a service they never provided are both unprofessional and concerning. I have attached proof of these unauthorized charges and the missed service appointment for your review. 

I appreciate your time and assistance in addressing this matter. Please let me know if you need any additional information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In reviewing my report from Equifax, I found unverifiable, invalidated, inaccurate, and questionable items. I do not have any accounts with these companies under collection nor for review. I have made numerous attempts to resolve this matter via mail and Equifax automated service, however, I had no success. The following items are unverifiable, invalidated, inaccurate, and questionable : Previous address : XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX and XXXX XXXX XXXX, XXXX XXXX, SC XXXX ; Inquiries 1 ) XXXX XXXX ; Inquiry date XX/XX/2021, XXXX ) XXXX ; XXXX date XX/XX/2021, XXXX ) XXXX XXXX XXXX ; Inquiry date XX/XX/2021, XXXX ) XXXX XXXX XXXX Inquiry date XX/XX/2021, XXXX ) XXXX XXXX  ; Inquiry date XX/XX/2021, and XXXX ) XXXX ; Inquiry date XX/XX/2021 ; Open Account - XXXX Acct # XXXX - please remove inaccurate late payments and update to paid as agreed ; Collection Account - XXXX XXXX XXXX XXXX Account # XXXX ; XXXX XXXX XXXX Acct # XXXX - please delete. these are not my accounts. I do not know who this information belongs, but it is not mine.
Product: Debt collection

Upon attempting to obtain a mortgage, I discovered a collections account from Credit Collection Services for a XXXX bill of {$360.00}. When I called to discuss the matter and told them the charges were a result of identity theft, they gave me the process to dispute with them. 
I was provided a different address the bill supposedly originated from each time. Neither of which I ever had XXXX at. I was told to file a police report and an identity theft report and upload them to their website. 
I was instructed to use the address in XXXX, MO. I did as requested. When I called again, I was told I needed to upload my ID-which I did. On another call I was told I needed to upload proof of the address the debt occurred at but this time that the address was one in XXXX, AZ. I can not get a straight answer and several times have offered to just pay the bill so they would delete the inaccurate information. They refuse. They also refuse to provide the correct verification of the debt so that I can properly dispute the charges.
Product: Mortgage

I financed TWO properties with under an LLC and Select Portfolio Servicing is the servicer. The business has filled Chapter XXXX bankruptcy. SPS has been notified of this multiple times and, has been advised to stop calling my personal number from a previous CFPB complaint in which they were calling after hours, and are still using my personal number to call to collect a debt. In addition, I spoke with " XXXX '', on a recored line ( I have a copy ) and advised her there should be no reason she should be calling my phone after she advised there was an open review on the account. 

I also want to add there is an open review on the account ( for a loan modification ) and they referred the account to an attorney for foreclosure which violates dual tracking laws, which in itself is another violation that SPS should be investigated for.
Product: Credit reporting or other personal consumer reports

Dear Experian, I am writing to formally dispute the accuracy of information regarding a charge-off account listed on my credit report. According to 15 USC 1681e ( b ) and 15 USC 1681i ( 5 ), all information in my credit report must be 100 % accurate. I have identified several inaccuracies associated with this account, which I believe violate these provisions. 

Please find the details of the account in question : Account Name : XXXX XXXX XXXX  Account Number : XXXX Inaccuracies : Date opened High credit limit Credit limit Last reported Date last active Date of last payment I request that you conduct a thorough investigation of this account. If the inaccuracies are not rectified, I ask that this account be removed from my credit report as required by law. 

Please be advised that if this request is not fulfilled within 30 days as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), I will consider pursuing litigation to seek damages of {$1000.00} for each inaccuracy reported. I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX I noticed an unauthorized transaction in the amount of {$1200.00} on my checking account. I called my bank, Ally, to open a dispute and they advised they had and that I should be receiving paperwork to fill out and return to them soon ... 5 days later nothing had arrived and I checked online and they are showing my dispute as " closed '', I called they assured me the documents they want me to fill out should arrive soon ... 7 days later I can still the dispute still showing " closed '' and no documents have been received in the mail. I called back, the bank representative said he wasn't sure what was going on so I asked for a supervisor, the representative put me on hold for 20 more minutes and eventually just hung up on me ... I'm over a week in, multiple phone calls and hours on hold, and I don't even know if they are looking into this dispute or not.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit card or prepaid card

I applied and was approved for a airline rewards credit card. The card arrived and I did not immediately activate it. I was too busy to do so. About a week after I received it, I got notification that there was possible some unauthorized activity on my new credit card account and they asked me to call a number. I called the number as soon as I could and was told they needed to verify my identity to activate the card. I asked them about the message regarding unauthorized transactions, but they wouldn't address that concern ; they didn't believe I was who I said I was and insisted on doing an identity verification, using questions that appear on my consumer credit report -- going as far as to ask me about a restaurant that is located off of one of the main streets near my home. Apparently my accent was too thick for them to be convinced that I was who I said I was and so the asked me to send them a copy of my state-issued driver 's license. At this point I was so aggravated by the poor customer service and then I was being tasked with mailing them a copy of my ID. I told them to forget it and to cancel my account. 

I truly felt they were discriminating against me because of my name and my accent. I don't think people with XXXX XXXX and perfect XXXX accents have to go through this. 

To this day my account is still open. To add insult to injury, the are insisting I pay an annual fee for a card I can not use. As they can not " verify '' me, I can not call them for assistance. I have never had this problem with any other bank in my life... ever.
Product: Credit card or prepaid card

Within the dates of XXXX XXXX I applied for a balance transfer with Wellsfargo Bank , due to a promotion. This balance transfer was to transfer the amount from my home bank to Wellsfargo, in return Wellsfargo would send the approved amount to my home bank and I would be left with the only the bill for Wellsfargo. My application was accepted. Within a month, no amount of money was transferred to my external account to pay off the other debt. Since XXXX, I have ben left with a bill from Wellsfargo to pay off the new credit, while still paying off my original balance at my home bank. It has been 3 months since the acceptance of the application. My home bank has no knowledge of a check/ ACH transfer/ etc coming from Wellsfargo. Wellsfargo keeps concluding " research ' that it was sent but can not confirm with me which bank/ account it was sent to. I have sent numerous documents and screenshots of my bank statements dating back to the beginning of XXXX, time late XXXX. I have not received any news. I still do not see any transfers into my home account and i still have a bill wellsfargo.
Product: Checking or savings account

beginning in XX/XX/XXXX and ending in XX/XX/XXXX, M & T bank cashed more than 20 checks over {$5000.00} each without my signature and has refused to give us the money back -- despite the fact that the person they gave the money to has been apprehended and he never even claimed that I signed the checks M & T bank wrongly cashed nor did he claim that i owed him money or even knew him. Investigation and bank officials agree that a confederate of his stole blank checks from me. when i answered yes to the question of whether the bank had given me copies of the illegally signed checks that was only partly right ( you only gave me the options of yes or no-not " partly '' which would have been the correct answer )
Product: Checking or savings account

On XX/XX/XXXX I put in a grocery order with XXXX for the amount of {$420.00}. The order did not get delivered to my house on the XXXX and was instead changed by someone else to a pick-up order the next day ( XX/XX/XXXX ) between XXXX. On XX/XX/XXXX I received a text notification stating that my order was picked up at XXXX by someone else despite not authorizing anyone else to pick up my order, as well as it being picked up an hour before it was scheduled to be picked up. After contacting XXXX customer service , they refused to issue me a refund. Instead, they said to open up a dispute with my bank. I opened up a dispute with PNC Bank regarding the charges, and on XX/XX/XXXX they sent me a letter stating that they saw no error in the transaction and therefore would not be reimbursing my stolen money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX on XXXX XXXX,2017 he did n't find the account numbers listed no reslove
Product: Credit card or prepaid card

On XX/XX/XXXX I noticed a $ XXXXcharge to my PayPal Business Credit Card . I called PayPal and was never given an opportunity to speak to anyone. I tried to make a claim on the website through the resolution center but since it was still pending the website would not let me make the claim. I finally got into a Chat-on-line and explained to the agent that this was an unauthorized charge, I think my card number has been stolen. They said since it was pending the merchant hasnt captured the payment. I asked if the card number was stolen and they said No. I again expressed concern that this wasnt right and they gave me instructions on how to claim on the website, which I said I already tried and it wont let me. I was told to wait for the pending status to change. So clarify Im told to wait to find out if my credit card number has been stolen, that is PayPals recommendation. 
On XX/XX/XXXX I get a new unauthorized charge. This time to XXXX for {$230.00}. Again, I cant dispute the charge because its still pending however this charge did completely wipe out {$140.00} dollars, I had in my PayPal account. 
This time I was just canceled my card on-line. 
Had PayPal closed the account, or stopped payment on XX/XX/XXXX with the {$0.00} charge, like I had requested the second charge of {$230.00} would not have been able to go through and my money would be accessible to me. 
PayPal was negligent in not taking my concern seriously the first time and has led to more unauthorized charges and inconvenience to me because I dont have access to my money that was in PayPal especially over a holiday weekend.
Product: Debt collection

I have multiple complaints against this company. Hunter Warfield, I received calls daily from many different phone numbers after repeatedly asking them to stop harassing me. I have been threatened and cursed and hung up on. They are now charging me monthly interest on a debt which does not by contract allow, the amount being collected on is incorrect as well. This is in reference to a lease agreement, property which was infested with rodents and pests, windows and doors which were not able to be secured, 90 plus days with no air conditioning, holes in the ceiling, all in violation of the lease agreement and safety and of my health. I submitted all documents to them in proof. I do NOT owe the amount, they also sent me a settlement offer with a deadline which also is in violation of the fdcpa. I have called the property management and they no longer own the property and take no responsibility for the uninhabitable conditions.

Hunter Warfield is violating all of my rights
Product: Credit reporting or other personal consumer reports

I am filing a complaint regarding XXXX, Equifax, and XXXX failure to properly verify bankruptcy information on my credit profile. After reviewing my credit report, I noticed that a bankruptcy entry remains on my record despite my attempts to confirm its accuracy. 

On XX/XX/year>, I contacted the US Bankruptcy Court of Maryland to verify whether they provide bankruptcy verification to credit bureaus. I was informed that the court does not verify or report any bankruptcy information to credit bureaus. This contradicts the credit reporting agencies claims that they have verified this information. 

Following this, on XX/XX/year>, I submitted formal disputes to XXXX, Equifax, and XXXX, requesting that they provide proper verification of the bankruptcy entry. However, each bureau responded that they had verified the information, without providing any evidence beyond referencing their own records. Given that the court itself does not verify this information, it is unclear how these agencies are conducting their investigations. 

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and ensure that XXXX, Equifax, and XXXX comply with the Fair Credit Reporting Act ( FCRA ). If they can not independently verify the bankruptcy entry with an original source, it should be removed from my credit report immediately. 

Thank you for your time and assistance.
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, no later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM EQUIFAX.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Against Nelnet Dear Sir/Madam, I am writing to formally lodge a complaint against Nelnet regarding their handling of my personal information and related disputes. On XX/XX/year>, I sent a letter to Nelnet disputing information they had reported to the credit reporting agencies. Despite the seriousness of my dispute, Nelnet has failed to respond to my letter. 

Nelnet 's lack of response is not only unacceptable but also a violation of their obligations under the Fair Credit Reporting Act ( FCRA ). Furthermore, they have not notified the credit reporting agencies about the dispute, which is another clear violation of the FCRA. This failure to comply with federal regulations has negatively impacted my credit report and financial standing. 

Additionally, I have discovered that Nelnet is reporting my information to a non-affiliate company, which is a violation of my privacy and trust. This unauthorized sharing of my personal information is concerning and unacceptable, especially since I do not have any contract or direct relationship with Nelnet. 

Despite my attempts to resolve these issues directly with Nelnet, I have received no communication from them. Instead, they have continued to send me bills, further exacerbating the situation. 

I am seeking the assistance of the Consumer Financial Protection Bureau to address these violations and to ensure that Nelnet corrects their reporting to the credit agencies, stops unauthorized sharing of my information, and properly addresses my dispute. 

Enclosed with this letter are copies of my correspondence with Nelnet and any other relevant documentation to support my complaint. 

Thank you for your attention to this matter. I look forward to your prompt response and assistance in resolving these issues.