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

i deposited a check to my account, the us bank put a hold on it for about a week, after a week i logged into my account and saw that the amount is available for use, after that i wrote down a check to my customer. a few days later my customer told me that he was unable to cash that check because there is a freeze on my account. i contacted the US Bank and told them what happened, they told me that the funds on my account was not available and cause i wrote a check they are closing my account. But as i mentioned above i saw available funds on my account. it has been already three weeks i am waiting for a cashier check from us bank and never received it.
Product: Checking or savings account

This request is for Citibank in whom I have millions of communications with regarding opening an account and removing me from XXXX XXXX XXXX. Citibank continues to report me to early warning services and I have a horrible time establishing banking with any other financial institution. Citibank, has lied on several occassions that they will remove me from this system. I have contacted XXXX XXXX XXXX and continue to file a complaint to have the information remove. How is information being verified? Who is verifiying this information. Citibank has continue to report me negative in their system and now I can not establish an account because I was a victim of fraud. I am requesting that information is removed immediately from XXXX XXXX XXXX and that I am allowed to establish an new account.
Product: Credit card or prepaid card

I received a email saying I owe {$40.00} payment I put in a dispute back ion XX/XX/XXXX I haven't heard anything regarding the dispute but XX/XX/XXXX received another email saying I owe {$78.00} dollars I called they me I should be recieveing something in the mail saying my dispute was denied and now I owe for late charges this creditor is pay pal credit
Product: Checking or savings account

Wells Fargo is trying to collect ovedrafe fees and interest from a decade old closed account. Fee that stack ontop of fee in a well know scam. But instead of the court ordered rebursal the scam caused their trying to get me to pay them XXXX grand for " overdraft fees ''
Product: Credit reporting, credit repair services, or other personal consumer reports

[ XXXX XX/XX/XXXX ] [ XXXX XXXX XXXX XXXX ] [ XXXX XXXX ] [ XXXX, mi, XXXX ] XXXX XXXX XXXX Assistance Department XXXX XXXX XXXX XXXX, PA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Capital XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX of XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Capital XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXT XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX CXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Veterans XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are listed. A copy of my Identity Theft Report and proof of my identity. A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( XXXX ) of that information. I appreciate your prompt attention to this matter, and await your reply. Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX  XXXX a credit card company reported an account on my credit report as a charge off. I disputed this account with all 3 credit bureaus. The account deleted from my credit report. XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, Resurgent Capital Services and LVNV Funding LLC and now XXXX and XXXX XXXX ( A law firm ) all requested payment for this account. I sent a debt validation letter to all these debt collectors and asked for other documents to prove they own this account or documents showing I even signed for this account. No documents was provided, just stating in a letter " they have verify the account ''. Now LVNV Funding LLC has reported that same account as a collection to all three credit bureaus. Again, they have not validated this debt to me.
Product: Debt collection

Since XX/XX/2020 this fraudulent charge has been on my credit report. It is from XXXX, now with Convergent Outsourcing. I have never had XXXX as a carrier. Someone opened this account fraudulently. There has never been a payment made. I have made several attempts, 6 attempts total, to dispute this. 5 attempts, via credit reporting dispute resolution and 1 by letter. I have had to lock my credit. 

They keep ignoring my attempts to clear this from my credit. I do not feel comfortable calling them. I have sent them a detailed letter with my info asking them to get this off my credit. No response to any of my attempts. 

Total amount due is {$500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have informed the three credit bureaus that I have inquiries that were not permitted by myself. I have filed a fraud report with the FTC ( Report # XXXX ). There are not willing to remove the inquiries from my report and in my opinion are stalling in resolving this issue.
Product: Debt collection

I have been victim of Identity Theft and my Identity was cloned. Per the police they found the criminal who cloned my driver license and forged my signature account on XXXXXXXX this loan was taken out in my name fraudulently. I have mailed Flagship Credit Acceptance at the address provided in my credit report at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA, XXXX along with the police report to have this removed from my credit but this continues to show on my credit report even though I was a victim of fraud and I didnt take out this loan.
Product: Vehicle loan or lease

I just received a Garnishment Notice, based on a loan that I co-signed on in XX/XX/XXXX. I did not receive any notice about this garnishment, have a chance to dispute it, or be notified that it was going to enforced ( more than 16 months after the fact ). They report that there was a judgement on XX/XX/XXXX, but I was not aware of it, or I would have disputed my involvement. They have located the primary debtor, so why am I being garnished? They repossessed the car in question 3 months after it was bought, so why am I paying for something they have had since XX/XX/XXXX? Why did n't they give me the opportunity to challenge? Why does this debt even exist? Furthermore, this is causing an extreme hardship on my family. We are just finally recovering financially after I had to quit work to take care of my son, who was diagnosed with XXXX XXXX XXXX in XX/XX/XXXX. After he passed in XX/XX/XXXX, it took a while for me to get back to work while I grieved my XXXX  year old. I am finally climbing out of the financial debt we incurred, and am now subjected to this. I tried to talk with the company on XX/XX/XXXX, but they said to talk to the attorney. I tried to set up payment arrangements with the attorney, and maybe negotiate a lower amount, but they claim they can do nothing -- it 's up to the court. I know this is a flat out lie, as we just got done paying another garnishment on expenses incurred while my son was sick. This garnishment is predatory and spiteful.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  account # 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
Product: Credit reporting or other personal consumer reports

Dispute going on since XX/XX/XXXX. Account closed still under investigation. Called to reopen account, Citibank run a hard inquire XXXX XXXX for a loan I did not apply and the reason for decision was inaccurate derogatory remark by Citibank not fixed yet. 
Never had problems with Citibank since XXXX. The year of XXXX Citibank messed up account with no charges, a obvious dispute overseen by dispute center and customer services that is still damaging my credit and my life without a reason. 
Please let my Citibank accounts static to let them back to normal. Open and in good standing. This has been a very stressful situation for 8 months that only CFPB was able to make my word listened.
Product: Debt collection

On XX/XX/XXXX, I received a notice from National Recovery Agency ( NRA ) attempting to collect a debt allegedly owed to XXXX XXXX XXXX XXXX with a reference number NRA # XXXX. On XX/XX/XXXX, I sent a written debt validation request to NRA via mail to their address at XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX, exercising my rights under the Fair Debt Collection Practices Act ( XXXX USC XXXX XXXX seq. ) and New York law ( XXXX XXXX XXXX ). In my letter, I disputed the validity of the debt and requested the following : ( 1 ) the amount of the debt, ( 2 ) the name of the creditor, ( 3 ) verification of the debt ( including any judgment, if applicable ), and ( 4 ) documentation proving NRAs authorization to collect the debt. I also instructed them to cease all collection activities until they provided this validation, as required by law. 

By XX/XX/XXXX, I had not received any response or validation from NRA, despite the FDCPA requiring them to provide it within 30 days of receiving my request. On that date, I sent a follow-up email to NRA ( XXXX XXXX ) reiterating my request, reminding them of their legal obligation, and warning that I might file complaints with the Consumer Financial Protection Bureau ( CFPB ) and my state Attorney General if they failed to respond promptly. 

On XX/XX/XXXX, I received an email response from XXXX XXXX, a Team Lead at NRA, stating that they received my dispute on XX/XX/XXXX, and had requested an itemized bill from their client ( XXXX XXXX XXXX ) that same day. They noted it could take 30-45 days for the bill to be generated and sent to me. However, this response did not include the validation I requestedonly an update about a future documentand it came after the 30-day FDCPA deadline, assuming they received my initial request shortly after I sent it on XX/XX/XXXX. 

As of XX/XX/XXXX, more than 120 days after my initial request and over 90 days after their XX/XX/XXXX response, I have not received the requested validation, including the amount, creditor details, verification, or proof of authorization. NRA has failed to comply with the FDCPAs XXXX requirement and XXXX XXXX XXXX XXXX deadline ( which expired around XX/XX/XXXX, based on their claimed receipt date of XX/XX/XXXX ). I have not been contacted further by NRA, nor have I received the promised itemized bill, despite their stated timeline of 30-45 days from XX/XX/XXXX ( which would have been no later than XX/XX/XXXX ). 

This lack of response violates my consumer rights, as NRA has neither validated the debt nor ceased collection efforts as required. I am concerned they may have reported this unverified debt to credit bureaus or continued collection attempts without proof, further harming me. I seek resolution, including confirmation that NRA either provides full validation immediately or ceases all collection activity permanently.
Product: Credit card

The following hard inquiries currently listed and showing on my XXXX XXXX and XXXX credit report, are fraudulent, unauthorized and not my hard inquiries : Synchrony Bank XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX, Synchrony Bank XXXX XXXX, XXXX, XX/XX/XXXX, Synchrony Bank XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX, Synchrony Bank XXXX, XX/XX/XXXX and Synchrony Bank, XXXX, XX/XX/XXXX. I will be sending a copy of this complaint to XXXX XXXX, United States XXXX Minnesota, XXXX XXXX, United States XXXXXXXX XXXX XXXXXXXX XXXX, XXXX  Attorney General and XXXX XXXX, United States Attorney General, U.S. Department of Justice. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/XXXX, XXXX : XXXX
Product: Debt collection

XXXX was sent a cease and desist on this alleged account. Due to the fact that it isnt my account and I had no knowledge of this account until recent communications. My information has been compromised. Furthermore transworld systems Inc must provide original date of delinquency along with XXXX to collect in state of GA. Copies of statements and or copies of any evidence provided will not adhere to federal evidence procedure 1002 and disputed debt violates FDCPA communication laws as well as FCRA Sections 809 ( b ), 623 ( a ) & 611 ( 15 usc 1681i )
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

In accordance with The fair Credit Reporting act. The list of accounts below has violated my federally protected consummer rights to privacy and confidentiality under USC 1681. I told Experian, XXXX, and XXXX to reinvestigate these accounts XXXX XXXX XXXX XXXXHowever, they stated was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. ACCORDING TO 15 USC 1681i ( 5 ) they are suppose to modify accounts that isnt reporthing correctly. 15 U.SC. 1681 section 602 A. States i have the right privacy. 15 U.S.C. 1681 SECTION 602 A. States 2 : it alson states a consumer reporting agency can not furnish in an account without my writtten instructions 14 U.S.C. 1681C. ( A ) ( 5 ) Sections States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which anetedates the report more than seven years.15 U.S.C . 1681S-2 ( A ) ( 1 ) A persom shall not furnish any information relatimg to a consumers to any consumer reporting agency if the person knows or has reasonable cause to belive that the information is inaccurate. Also they arent even in compliance with metro 2 credit reporting. i have evidence to prove my case
Product: Credit reporting or other personal consumer reports

Transunion, XXXX, and XXXX continue to report inaccurate information. The below account has not been properly validated or verified. 

DEPTEDXXXX Account Status : Open Derogatory Open Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$5000.00} No. of Months ( terms ) : XXXX XXXX XXXX Payment Status : Unknown Wage Earner Plan Current Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : - - XX/XX/XXXX 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Checking or savings account

I scanned a check for {$5500.00} into my Ally Bank XXXX Account on XX/XX/XXXX before XXXX thinking my money would be available in my account that day because that is what is clearly stated on their website and in the app. I did not see anything in my account so I waited until Monday  to reach out to Ally Bank to ask about the status of my funds, they then told me I would not see the funds until Friday XX/XX/XXXX - 7 days after I scanned my check via the Ally Bank App. The ONLY reason I scanned that check into Ally Bank is because it clearly stated my money would be in the account same day. I needed my money in that account because I have XXXX dollars until I get paid on Friday XX/XX/XXXX and I can not currently liquidate my $ XXXX investment account I have with them. So now I have no money, I just over drafted again, and I no longer need that check in my account to cover because I get paid that same Friday XX/XX/XXXX. I only needed that check in my account to cover for this week XX/XX/XXXX - XX/XX/XXXX. I have tried to get them to release my funds numerous times but they just keep telling me there is nothing they can do about it. How is it legal for a bank to hold up MY FUNDS for that long when I absolutely need the money?
Product: Money transfer, virtual currency, or money service

In XX/XX/year> {$490.00} was with drawled from my account unauthorized from cashapp
Product: Credit card or prepaid card

I have disputed 4 charges with Capitalone for a vendor called The XXXX  for breaching the contract. In all 3 of the 4 were returned as the evidence validates this accuracy of this vendor not delivering all the services. I have requested CapitalOne to escalate to another evaluator as it is evident that there is some lack of due diligence on looking at the cases as an entire dispute as it is related to 1 Contract but paid over the course of months. I think this is unfair and unjust that I have to continue to explain the situation for the same results where the 3 disputes were granted to me. I have also endured harassment and defamation from the XXXX XXXX during this time and shared all additional evidence. Please review this and help me get the proper escalation within CapitalOne. Thank you
Product: Vehicle loan or lease

I co signed on a car in XX/XX/2020 thru XXXX XXXX in XXXX new jersey. I was not shown nor aware of XXXX XXXX XXXX being applied as I was just given a signature pad and asked to sign and was not shown what I was signing. The vehicle was totaled in an accident 2 weeks after purchase. I contacted insurance company who paid credit acceptance XXXX in XX/XX/2020. I then reached out to credit acceptance also XX/XX/2020 they told me my remaining balance was XXXX they agreed to accept XXXX a month toward remaining XXXX, they did at that time offer me XXXX to settle account. I checked my credit report today the reported a late payment on the XXXX however did not change the balance owed. I called them today and questioned the late payment as well as balance and they are telling me I owe them XXXX now.
Product: Mortgage

I was recommended FM HOME LOANS by a friend. FM appointed him a gentleman by the name of XXXX XXXX who was amazing ). XXXX was taking care of my loan needs. All was going well for the first two months. For some reason. We were told that XXXX was no longer working for FM..FM told us that theyre going to appoint a new agent to me by the name of XXXX XXXX. It took XXXX two weeks before she notified us that she was our new agentXXXX decided to go away for two more weeks to Florida we are already three months in the hole to try to do a closing for refinance. By the time XXXX caught up to all the paperwork in our files we are now four months in the hole to try to do a refinance with XXXX help. XXXX asked us to give her a {$500.00} check deposit that was needed for the paperwork. XXXX assured us that if the paperwork dont go through that I would get back the {$500.00} back. I felt that XXXX was not being truthful in her ways of conducting business and I felt that I was being treated unjustly because of my race. The closing never happened since XXXX didn't file all the paperwork in a timely matter and we lost the rate that XXXX had first given us we were never reimbursed for the {$500.00} and never even got an apology from XXXX.
Product: Debt collection

I requested debt validation from Midland per Texas Finance Code Section 392.202. I received a response letter in the mail from them stating that the purpose of the letter was to advise me of the results of my dispute. They also stated in the letter that they would be placing dispute comments on my credit report. 

I did not dispute the account, I was simply requesting debt validation. 

I believe they are purposefully treating a debt validation under Texas financial code as if it were a dispute under the FCRA. I believe this is an abusive application of the FCRA dispute process as placing dispute comments can derail credit applications. 

In addition they did not provide me any of the debt validation information that I requested and is required by Texas financial code.