23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX, Experian, and XXXX Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX  XXXX Balance Owed : {$270.00} ; XXXX XXXXXXXX Balance Owed : {$67.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$880.00} ; XXXX XXXX Balance Owed : {$0.00}
Product: Payday loan, title loan, personal loan, or advance loan

This account has inaccurate reporting. The company has failed to properly investigate. These accounts do not belong to me. If not resolved, I will sue for damages.
Product: Checking or savings account

if my account doesn't have the money why is the bank paying out the money then charge an overdraft fee of XXXX dollars.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX  XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXInquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXInquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX I contacted the bureau to inform them that I did not authorize the inquires, and that it was fraudulent activities but they failed to remove the inquiries.
Product: Credit reporting or other personal consumer reports

Under the Fair Debt Collection Practices Act, debt collectors are required to validate the debt within 30 days. I sent a debt validation letter certified mail to the company XXXX XXXX XXXX XXXX and it was delivered XX/XX/year>. The company has not responded to my letter, and it has been past the XXXX period. This is a violation of the FDCPA the company must stop all effects to collect this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts, nor did I authorize these companies to pull my credit.
Product: Student loan

Hello! 
I have a direct unsubsidized consolidated loan through US DEPT OF ED. I am eligible for PSLF and have submitted my ECFs on time every year. I should have 30 qualified payments but Fedloan has only 15 counted. I called them on XX/XX/XXXX and was told my account was under review. I called again XX/XX/XXXX and nothing had been changed. I called again today, XX/XX/XXXX and they have not updated my count and have no timeline to do so. I would like to qualified payments updated since I have done my job by submitting my employer information each year. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an issue with XXXX landline service. There were multiple outages over the period used their service. They would not issue me any credit for the time I had no service. After I close the account they sent any remaining balance to collections. That ended up on my credit report. 
I made a payment on XX/XX/XXXX to the collection agency XXXX used ( XXXX or EOS ), as that's the most expeditious way of addressing the issue right now. 
The credit agency reported back to XXXX that the account was paid in full. However, they're making it very difficult to get any sort of confirmation. EOS keeps telling me it takes three to four business days to send an email. I followed up with them multiple times over the last few days and they just keep on pushing the email date further. 
I reached out to XXXX, they tell me the account is closed on their end. 
EOS and XXXX both tell me the other one is responsible for updating the credit bureaus.
Product: Mortgage

My Loan/mortage loan was transferred XXXX XXXX  on behalf of XXXX XXXX XXXX XXXX XX/XX/XXXX of this year. I have for 2 weeks attempted to speak with a live person on the phone however I am unable to leave a message and the system pushes you through to the auto pay menu. They were also unable to accept my payment prior to my cut off because the system wouldn't recognize me as a customer. I have all of my transfer paper from my previous Mortage along with account number however I could not make my payment. Also I am in immediate need to speak with account management due to some damage I had incurred and the home insurance is paying for repairs. Hower since I can not get in contact with a real person I don't know where to fwd. the insurance check for cosigning. so I am unable to start any repairs without this important piece of info. 

From my short prospectus of this company they appear deceptive and lack handling my XXXX Mortage Account as a Fiduciary. 

Sincerely, XXXX XXXX
Product: Checking or savings account

Complaint Regarding Overdraft Fees Despite Adequate Funds and Within Stated Timeframe I am writing to file a formal complaint against Regions Bank for what I believe to be unfair overdraft practices. Despite my efforts to maintain a positive balance, I have been repeatedly charged overdraft fees under circumstances that seem inconsistent with the bank 's stated policies. 

On multiple occasions, I have deposited funds into my account several hours before the XXXX XXXX  deadline set by Regions Bank to cover any negative balance and avoid overdraft fees. For instance, a deposit was made and timestamped at XXXX XXXX  ( XXXX XXXX ), well within the time frame provided by the bank. However, I found that I was still charged an overdraft fee the following day. The bank 's explanation was that the deposit did not post until the next morning, contradicting the timestamp shown on my account. 

This has been a recurring issue, and despite my attempts to resolve this with the bank, the situation persists. I am concerned that this practice may not align with the regulations that govern fair and transparent banking practices. 

Here are the details regarding the most recent incident : - **Date of Deposit** : [ XX/XX/2023 ] - **Timestamp of Deposit on Account** : XXXX XXXX XXXX XXXX XXXX XXXX [ XXXX ] - **Overdraft Fee Charged** : [ {$100.00} ] - **Statement from Bank Regarding Overdraft Grace Period** : The bank 's policy states that I have until XXXX XXXX XXXX XXXX the following business day to cover any shortfall. 

This issue has placed a significant financial strain on me, especially as someone with limited financial resources. Regions Bank 's history of fines and regulatory action for similar practices heightens my concern. 

I am seeking a thorough investigation into these charges and a clear explanation from Regions Bank. I believe the overdraft fees charged are not in line with the bank 's policies as I understand them or the regulations set forth to protect consumers. I request that the CFPB look into this matter and ensure that any unfair fees are refunded, and that the bank 's practices are reviewed for compliance with applicable laws and regulations. 

Attached are screenshots of the most recent incident but I stress that this is a repeating problem, no matter how early the deposit is made. Contacting support states they have no control over things until the overdraft posts and they state they can not see the time stamps. 

Thank you for your attention to this matter. 

-- -
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within 30 days. 

I request that you update, block, or remove the inaccurate accounts and unauthorized inquiries listed on my credit report. 

Please review the attached letter for further details. Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX said my credit score was 200 points lower than it really is and caused me to be denied auto financing. I've never even heard of this company and I definitely did not give my permission for my personal information to be given to them. Their reasons for such a low credit score were not true either. Ally Bank will definitely never get any business from me in the future and I will make sure to let everyone possible know about these two companies and what they have going on
Product: Payday loan, title loan, personal loan, or advance loan

I took out a loan from one main financial and paid it back. I would like to be compensated.
Product: Credit card or prepaid card

I am an XXXX XXXX military XXXX serving in the XXXX. In early XX/XX/XXXX I applied for a Barclaycard Luxury Gold Card, specifically due to their generous SCRA benefits. I was approved, and immediately asked Barclaycard to apply SCRA benefits to my account, which they did, sending me a letter stating, among other things, that " While you 're on XXXX XXXX, the following terms apply : The APR for all balances have been lowered to 0.0 %, All fees, including annual fees, will be waived. '' The letter ( and representatives with whom I spoke ) were clear that these terms would not change regardless of future Barclaycard policy changes, however I just received a letter stating that I will be required to pay a {$990.00} annual fee beginning in XX/XX/XXXX. In this letter, Barclaycard claims that CFPB agrees with their decision, essentially meaning that service members who signed up for this card with the guarantee of certain specific benefits now have no recourse - I find it hard to believe that CFPB would make or support such a decision.
Product: Credit reporting or other personal consumer reports

I'm disputing and investigating these wrongly reported accounts on my credit file. According to the Fair Credit Report Act, I should get XXXX} for each mistake. The FCRA 605B says we must report any incorrect accounts on a consumer 's report.
Product: Credit reporting or other personal consumer reports

I am a victim of the Equifax data breach. As a result of the data breach, I have experienced fraudulent account creation, unauthorized transactions, and concerns about identity theft.
Product: Credit reporting

Names appear on my credit report that I have never been known by and was told that they can not be removed by the reporting agency Experian.
Product: Vehicle loan or lease

I have been in business with carmax auto finance since XXXX ive made multiple payments on time with no issues up until the last year. i struggled to make a couple payments due to me being out of work due to my XXXX XXXX XXXX XXXX XXXX XXXX XXXX a month later. i had talked to carmax multiple times to see if there was anything we could do ( work out a payment plan, lower my payments, or anything they could possibly due to help ) they refused and said there wasnt anything they could do for me and that i either need to pay it or theyd put out a repossession. i payed off the remaining balance that i owed and confirmed id be caught up. they said i would until the following month. i kept making my payments as i should and i kept calling to confirm im caught up and they confirmed each time. but each month on my credit report it shows as late. carmax refused to fix this and has yet to fix it. ive talked to multiple people from XXXX XXXX XXXX and nobody helps and when ive called multiple times each person tells me im all caught up. this is causing a huge issue on my credit report and they need to be held accountable
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FRCA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishes, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Checking or savings account

At XXXX CST I initiated a wire via ally bank for {$110000.00}. Their website says if its confirmed by XXXX est it can deliver same day. I confirmed with customer service after waiting on hold for an hour that at XXXXXXXX XXXX cst it was approved and they had what they needed. 

Now at XXXX est the wire is showing returned back to me, no explanation, and they subtracted XXXX XXXX This company is unethical
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Sent a hard copy dispute via USPS certified with return receipt which was delivered on XXXX XXXX, 2017. Have not gotten any acknowledgement, notification or contact with respect to my complaint and dispute. Attempts to make contact online has been fruitless with the system not acknowledging my inquiry. Telephone contact has sent me around in a circle going from one automated system to another. XXXX Recently there was a reduction in my score since the time that I mailed then submitted my dispute. Again after holding on the phone for over 30-minutes, and STILL no acknowledgement of receipt. The 30-days for investigation of my dispute and complaint has already begun. USPS tracking number : XXXX XXXX XXXX, 2017, XXXX XXXX Delivered, XXXX XXXX XXXX, TX XXXX Postal Product : First-Class Mail Features : Certified Mail Return Receipt l
Product: Mortgage

We had set up where the last day of the month the payment was automatically paid. So on XX/XX/2018 {$1200.00}, which was the payment amount, was taken from the bank. On XX/XX/2018 they took out {$1200.00}, which was the payment amount, again. So the bank, XXXX XXXX XXXX, stopped all money going out. My husband called SLS Mortgage to try to fix the problem. They said they would but they haven't tried to fix it. So we went to XXXX XXXXXXXX XXXX and they worked with us for an hour, but bottom of line, we have to try to fix it with SLS Mortgage. They told XXXX to call them and try to straighten it out. So he called them and it was not satisfactory. They told him they would send a check on XX/XX/XXXX. Hopefully they will, but in the meantime we can't do anything because of the {$1200.00}, which is still there. We can't even buy food, we can't do anything, because SLS has blocked everything. 
XXXX XXXXXXXX XXXX advised us not to have the money automatically paid because it can cause problems like this. So we cancelled this but it doesn't help the problem right now. 
This is not the first time this has happened. It happened three or so months ago but at that time the company was easier to work with. Now it's really scarry because how many more times will this happen?

We feel we are caught between a rock and a hard place because we don't trust SLS. And they are not good to work with. This is not a problem we made, it was their doing, and they treat us like it's all our problem. In the meantime we have to try to figure out how to keep from 100 percent ruining our credit and even worse, getting food to eat.
Product: Credit reporting, credit repair services, or other personal consumer reports

COMPANY ( XXXX XXXX  XXXX XXXX XXXX XXXX ) -ACCOUNT # XXXX - DATE OPEN XX/XX/2022 - ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN ACCORDANCE WITH THE FAIR CREDIT REPORTING XXXX  ACCOUNT HAS VIOLATED MY RIGHTS. 

-15 U.S.C 1681 SECTION 602A. STATES I HAVE RIGHTS TO PRIVACY.

-15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATESA CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WIHTOUT MY WRITTEN INSTRUCTIONS.

-15 U.S.C 166b A CREDITOR MAY NOT TREAT A PAYMENT OR PAYMENTS ON A CREDIT CARD ACCOUNT UNDER AN OPEN-END CONSUMER CREDIT PLAN AS LATE FOR ANY REASON.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unauthorized inquiries for the following companies : XXXX. XXXX XX/XX/2021 XXXXOnemain Financial XX/XX/2021 XXXX. XXXX XXXX XXXXXXXX XX/XX/2021 XXXX. XXXX XXXX XX/XX/2021 XXXX. XXXX  XX/XX/2021 XXXX. XXXX XXXXXXXX XX/XX/2021 XXXX. XXXX XXXX XXXX  XX/XX/2021
Product: Credit reporting or other personal consumer reports

This situation has been going on for approximately a year where I have sent Equifax information and called to confirm receipt, it is confirmed and then someone else will either follow-up that they indeed do not have the information and I need to re-send or re-submit. After numerous times of losing money on postage and mailings, I started reaching out directly to Equifax only to be continuously routed to individuals in a different country having a language barrier who either can't help me, don't know how to help me, or won't help me. It is frustrating as no creditor can access my report until I get this issue rectified and I am trying to get something very important done that requires that creditors be able to access my report. I have attached several screenshots where I have been on the phone with these people to no avail.
Product: Money transfer, virtual currency, or money service

I've had a wallet in blockchain.com website for more than XXXX years now ( roughly XX/XX/XXXX ). When I opened the account I invested XXXX in XXXX and XXXX there. XXXX  months ago ( on XX/XX/XXXX ) I decided to sell all my XXXX. That went okay. And it left me with a XXXX in the account. On XX/XX/XXXX I tried to withdrawal that money to my bank account. That transaction has been pending for more than XXXX months. I've tried contacting them more than XXXX times through all the support platforms they have. I've even contacted with my bank to make sure there was no blocked transaction or problem there, which there is not. Their response always is that they are reviewing the case and to please be patient.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an XXXX hard inquiry on my credit report dated XXXX 2017. I do not recognize this inquiry nor have had my credit checked during that time frame. This has been recorded without my consent or knowledge. I am willing to provide any proof that this should not be present on my credit report. Thank you in advance for your review.
Product: Debt collection

I had an outstanding bill from XXXX XXXX XXXX. The reason I had not paid the bill is because they added unauthorized charges to my account. I had a conversation and agreed to additional services, which I was told would reduce my monthly bill. That was incorrect and they demanded I pay XXXX  XXXX dollars for the changes. I asked them to review the telephone conversation I had with one of their agents as it was recorded, to which they declined. I informed them I had no intent to pay the fees they charged me without my consent. They turned me into a debt collector, to which I told them about this issue numerous times. I specifically told them the debt amount was incorrect, to which they told me that was not their problem. After trying to argue this through numerous phone calls with the collection agent, I eventually agreed to a settlement to get this off of my credit. This was done through XXXX on XX/XX/2021, reference number XXXX. The settlement was a reduction of approximately {$300.00} from the original bill amount of approximately {$900.00}. Now I have just received another call from a new collection agency, AFMI Collections, phone number XXXX. Apparently I have been turned in again to collections for the amount that the previous collection agent agreed to reduce my overall bill by. I am trying to clean up my credit so I can buy a home, and these people are nothing but bullies. How is it that the first company could continue to collect on a debt after I have informed them numerous times that it was not accurate? And then how can XXXX XXXX XXXX turn me in to collections AGAIN for an amount that was supposed to be waived. I need help please!
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2600.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2600.00} -This is not my account. 


-- OTHER ACCOUNT 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to XXXX XXXX XXXX, Equifax Information Services , LLC, and XXXX XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. My credit report is still reporting an accounts for XXXX XXXX XXXX XXXX XXXX. This has cause me great anxiety, stress, and financial hardship.
Product: Credit card or prepaid card

I had several store cards that were issued and serviced by Comenity. These accounts are now closed, and the remaining balances are being paid through a debt management program ( DMP ). I have been making regular and timely payments on these accounts for over a year. Recently, on XX/XX/2020, I called to request payment deferments for these accounts. Though payment deferments are being offered to customers with Covid-related financial hardship, I was told I was not eligible because my accounts are being handled via a DMP. The customer service agents politely informed me that I could choose to not make the payments anyway, but in doing so I could incur late charges and adverse credit reports for the late payments. 

Such policies penalize customers most in need. A payment deferment of 1-2 months would enable me to resume regular payments after I've had some time to find replace some of my lost income, and avoid actions ( e.g. late payments or bankruptcy ) that could further harm the credit I have been working to rebuild. I am filing this complaint in the hopes that Comenity will reconsider their policy and extend the deferred payment benefit not just to me but all interested clients with Covid-related financial hardships irrespective of whether payments are being made via a DMP.
Product: Credit reporting, credit repair services, or other personal consumer reports

Can you please run an investigation because the company is unheard of, the balance is unknown and the number is off?