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

So on the early morning of XX/XX/18, i was awake whena depost came through that I had been waiting for that i really thought would show up at another bank. I immediately transferred the money to another account so that i could withdraw the cash Wednesday morning at the branch. I went into the branch on XX/XX/18 ; Wednesday and withdrew XXXX from this other account. While at the branch, i was never told that my account was overdrawn and when looking at the app i never saw a pending transaction, or a scheduled transaction. On the morning on XX/XX/18 i woke up to my account being overdrawn by XXXX and some change. I called navy to find out what happened and to get them to reverse the payment that was made to a checking line of credit. I was told that i set up an automatic transfer, which i never did, and that the payment would not be reversed. I spoke to at least 3 representatives that did not really know how to handle the call and then i was transferred to a manager who insisted on talking over me and saying that the only one who took money out of the account was me and not navy. Why would i be allowed to transfer, and withdraw money that is not available for me to do so, especially if the line of credit is frozen and would not cover any negative activity on it. This should have never happened. I would also like a time stamp of all transactions which i was told was not available. At the end of my conversation with the manager i did have a little bit of an attitude, but i was cordial and polite and told him all my info was up to date with the bank. O hung up not satisfied and the banker telling me that instead of owing money to line of credit i now owe the exact ammount to brong my account balance back down to XXXX. I would like them to show me that i have a signed contact ; which is a meeting of the minds with 2 signatres show navy took from their profits and that navy has been harmed in anyway. They have not, but i have.
Product: Debt collection

I received a phone call at my employer from portfolio recovery on XX/XX/XXXX at XXXX. I told them that I work at a XXXX and it was very unprofessional to call me here. I asked them put my employers phone number on their do not call list and asked them to not call my employer again. On XX/XX/XXXX at XXXX I received another phone call from them at my employer 's and then another phone call from them on XX/XX/XXXX at XXXX. I took a picture of the caller Id showing both of these violation calls. I called them back on XX/XX/XXXX at XXXX and told the rep that I have received another phone call from them and he said that his notes show my request for my employer 's phone number to be removed on XX/XX/XXXX and that I should not be receiving phone calls to this number. He acknowledged the XXXX violations from the company and gave my his supervisors name and phone number.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the incorrect reporting of late payments on my credit file for the following accounts : XXXX. XXXX Account Number : XXXX ( Late Pay ) XXXX. XXXX XXXX Account Number : XXXX ( Late Pay ) XXXX. XXXX Account Number : XXXX ( Late Pay ) XXXX. XXXX XXXX Account Number : XXXX ( Late Pay ) These late payment notations are inaccurate and violate multiple provisions of the Fair Credit Reporting Act ( FCRA ), the Truth in Lending Act ( TILA ), and relevant regulations. I am requesting an immediate investigation and the removal of these incorrect entries to ensure compliance with federal law. 

Violations of Federal Law 1. Fair Credit Reporting Act ( FCRA ) : 15 U.S. Code 1681a ( 2 ) ( xi ) : Credit reporting agencies and furnishers must ensure that all information included in a consumers credit file is accurate and verifiable. Reporting unverifiable or inaccurate late payments breaches this standard.

15 U.S. Code 1681s-2 : Furnishers of information are legally required to report accurate data and promptly correct errors when notified.

2. Truth in Lending Act ( TILA ) : 15 U.S. Code 1666 ( b ) : Billing errors, including misreported late payments, must be thoroughly investigated and resolved by creditors. Failure to comply with this requirement constitutes a direct violation of federal law.

3. Regulations Implementing TILA : 12 CFR 1026.13 : This regulation outlines the obligations of creditors to investigate and resolve billing disputes, including errors in reporting late payments. Noncompliance with this regulation is subject to penalties.

Damages and Remedies If these inaccuracies are not corrected promptly, I reserve the right to seek remedies under the following provisions : Statutory damages of up to {$1000.00} per violation under FCRA ( 15 U.S. Code 1681n and 1681o ).

Actual damages resulting from the inaccuracies, including higher interest rates, credit denials, and emotional distress.

Punitive damages for willful noncompliance.

Recovery of legal fees and associated costs related to pursuing this matter.

Action Requested I am requesting that : 1. A comprehensive investigation be conducted for the accounts listed above in compliance with FCRA and TILA.

2. All inaccurate late payment entries be promptly removed from my credit report.

3. A written confirmation of the resolution be sent to me within 30 days, as required by 15 U.S. Code 1681i ( a ) ( 1 ) ( A ).

Next Steps I trust that your team will handle this matter with the seriousness it deserves and resolve it promptly. If this issue is not corrected, I will be compelled to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and other relevant regulatory agencies. Additionally, I will consult legal counsel to pursue remedies under the law for the harm caused by these inaccuracies.

Thank you for your immediate attention to this matter. 

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

I had submitted a identity theft/fraud statement with the FTC. I sent this to all 3 credit bureaus and they said they investigated the claim and it was verified. I want to know how they verified something that is false. What method of verification did they use? They can see by visually looking at the dispute that the numbers and the amount of loans received do not match. 

The company that I am in dispute with ( XXXX ) is purposely sending wrong information to me, the ombudsman, the credit bureaus and claiming I owe money by showing a Master promissory note that doesn't prove anything. Master promissory notes do not cover loans that were not given to you. They have to show that the school provided me with this money. I can show specifically the loans that the schools have given me, and yet XXXX persists with inaccurate information. I have the amounts I borrowed from the schools, and they do not match the ones XXXX is claiming. End of discussion, this is FRAUD! The credit bureau is willingly putting false information on my credit report by not verifying correctly. And XXXX is not being held responsible. 

Now the company in dispute XXXX, sent me a new form to fill out that states the loans on the latest statement they provided are forgery claimed by me, even though they are not the same ones as I claimed on my dispute. They want me to sign and return this for a discharge. Now XXXX is asking me to lie on a forgery statement? 

I am now adding the credit bureaus in my lawsuit for not properly verifying these loans. The are not allowing me to enforce my legal rights under FCRA 616. They insist on putting fraudulent information. Here is a copy of my report that I sent to the credit bureau, and a recent copy of the letter I received from XXXX, stating it has been verified. Once again the loans do not match. Here is a copy of the student loans I received from the schools. Only 16 of the loans match 24 loans XXXX claims I owe.
Product: Debt collection

I have tried to pay this debt since 2019 - however they sued me, illegally, even though I was always willing to pay this debt, and lied to the court claiming I was unwilling, when I have priority mail receipts that I have requested a pay-off quote, a settlement with them. 

Now they responded to you that they will accept a payment, but they still have not sent anything to me in writing, no confirmation, no official settlement statement that with a one time payment of XXXX. amount this debt will be settled ones and for all and confirming that they will take no further actions and will dismiss the lawsuit against me immediately etc. - NOTHING - NO DEBT SETTLEMENT AGREEMENT, no letter or agreement from them at all. 
What they are saying/writing to you is not true, they have not contacted me accepting any settlement, agreeing to any pay-off quote, I have not received anything from them, while I have sent them 5 priority mail letters in the last few months alone, requesting information and a pay-off quote and settlement.

PLEASE ASK THEM TO PROVIDE A COPY OF THE LETTER TO YOU WHICH THEY CLAIM THEY HAVE SENT TO ME AGREEING TO A SETTLEMENT - I have NOT received anything. 
Thank you! 
Kind regards, XXXX XXXX PLEASE FORWARD ALL INFORMATION AND ATTACHMENTS TO XXXX XXXX XXXX AS WELL AS TO UNIFUND ( so UNIFUND can see how their lawyer treats and intimidates people and does NOT get in touch with people who are willing to pay debts )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Someone was using my information, THIS WAS NOT ME!!
Product: Mortgage

XXXX of XXXX I called regions for forbearance due to corona. I called monthly, or due date to let them know status didn't change I was still unemployed as they requested. I was told over and over i would not have to pay total amount during hardship that payments would restart after the months of forbearance were used. On XXXX the day i came home from my brothers funeral I was called and told if I did not pay XXXX by XX/XX/XXXX foreclosure procedues would begin. I had recently cashed in my 401k and was able to pay but now have nothing and am still unemployed with no benifits.
Product: Debt collection

In my review of my credit report on XX/XX/2018 Portfolio recovery associates is reporting a collection account number XXXX in an attempt to collect a debt. I have no knowledge of this account. Portfolio recovery associates is in violation of the fair credit reporting act FCRA, by reporting a collection account to the credit bureaus in an attempt to collect a debt without notifying the consumer. This has hurt my ability to obtain credit and has damage my credit score.
Product: Money transfer, virtual currency, or money service

XX/XX/2023 Cash App took XXXX out of my XXXX XXXX account. I was unaware of this. When I tried to ask for an explanation. Unanswered questions. I didn't not authorize. Cash App. To take this money out I received a text on the Day of XXXX XXXX at XXXX am saying the a dispute was made on XXXX XXXX of XXXX dollars. I was unaware of that no information was sent to me about the dispute.. The XXXX account which supposedly have put in the dispute was closed. Where did this money go Cash App has been doing a lot of things which I feel as well as others is not lawful. I am requesting my XXXX returned to me
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a car lease with AMERICAN HONDA FINANCE Creditor Address XXXXXXXX XXXX XXXXXXXX XXXX XXXX DE, XXXX Creditor Phone XXXX - before the lease ended i went to my dealer to get another car - meanwhile I paid all payments on the old car- I did not miss any - dont know what this companies issue they reported the last payment was not paid when it was- I called them to ask them to correct this issue, they asked me to provide proof of payment, I told them that the law is you have to provide evidence before you report a late payment- you reported check your records, they said it's not their problem. by now I have provided them this bank record but they said I have to send this in to the 3 credit bureaus. this is not how this woks they mass up and I have to fix it. And meanwhile I loos thousands of dollars because of my incorrect credit drop, this is not the first time I have this issue with this company, this is at-least the third time, and they don't care about their customer and the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transworld Systems refuses to remove their tradeline from my credit reports when clearly i was not responsible for this medical bill. I have attached documentation & emails stating that i was bill in error for this. i have contact TSI numerous times regarding this matter and they're unable to comply with my request. As i said, i was bill in error and the company that make that mistake took care of the bill. Please find all the information in the attachments. Also the quest diagnostics bill clearly states the name of the company and billing information for the party responsible as well the emails
Product: Credit card or prepaid card

Ok, XXXX XXXX file my tax return. They told me that i had three option for receiving the refund. I choice to get the refund put on a American Express Serve card. When the refund was ready i attempted to activate the card. i had problems activating it. So i contacted customer support finally after 10 hour and going to the atm about four times i was able to activate the card. I went to the XXXX  XXXX atm located at XXXX XXXX XXXX XXXX, XXXX, LA XXXX and made a {$700.00} dollar withdraw. The next day i checked my balance to see a duplicate charge of {$500.00} dollars taken out. I contacted American Express serve. I filed a dispute on XX/XX/2021. I called and they told me that on XX/XX/2021, i should receive a email with a decision on if they're going to give me temporary credit as the investigation goes on.
Product: Checking or savings account

I had an 18 mos. CD at Capital One that matured on XX/XX/XXXX. On that date I renewed the CD on-line for 12 mos. at 5 % APY. When I checked my on-line account on XX/XX/XXXX I found that the CD had been rolled over for another 18 mos. At 4.45 %. 

I called customer service on XX/XX/XXXX and spent considerable time with XXXX and her supervisor, XXXX XXXX. They insisted that because I failed to renew the CD prior to its maturity it automatically renewed for another XXXX mos. and could not be changed unless I closed the CD now by transferring the funds to my savings account and opened a new CD for the term I wanted. This process would take 2-3 days and they could not guarantee the interest rate I wanted would still be in effect. I would also have to file new paperwork to put the new CD back into my trust. 

Please note that the Capital One website states under CD maturity options that : " Your 18-month CD matures on XX/XX/XXXX. You can renew your CD at either the same or a different termor move your money to another account when your CD matures. You can change your maturity plan or explore available options at any time before your CD matures. '' I have renewed other CDs with this bank always after the maturity date and have never had this problem. My understanding is that I have a 7-10 day grace period after maturity to decide what to do with the CD.
Product: Checking or savings account

I filed a dispute with Chase on XX/XX/XXXX due to issues with a merchant. {$1700.00} was returned. The funds were used the same day to purchase alternate air tickets so I would not overstay a visa or be stranded overseas. Chase did not contact me in any way then in mid XXXX took the funds back and said I did not contact them. My call, text, email, and voicemail had no messages from Chase. They reopened the claim and refunded the money. On XX/XX/XXXX I got a call from someone in the executive office saying they had a final resolution. I called back as soon as I could and had to leave a message as they were not there. I never heard back from them and the funds were removed again in XX/XX/XXXX. On XX/XX/XXXX I got a call from the Chase claim department as apparently the case was back with them. I returned the call and was asked what the funds were used for and was told they had been unable to contact me. I reported the funds were used for the alternate travel tickets and told them which transactions were for the tickets. I got a call on XX/XX/XXXX from Chase. I returned the call and was notified they were unable to contact me and asked what the dates for the initial travel was and the days I filed the dispute and tried to deal with the company. I provided the dates and notified the person that I had been called and returned the call and gave them the questions asked. They looked at the notes and apologized and said they would add a note that I had actually been contacted. On XX/XX/XXXX I received a call from Chase. I called back on XX/XX/XXXX due to a busy schedule at that time. I was informed Chase had been unable to contact me and thus they were taking the money and was asked for further information. I provided the information and told them again that they had called me and I had called back, and again the person said they were sorry, they had been able to contact me and there was a mistake. I told them the dates and questions and my request to both prior people that they mark that they had been able to call me. I hear nothing back from Chase until XX/XX/XXXX, at which point collections calls. I called back on XX/XX/XXXX and they said they were seeking the overdraft. i told them the overdraft was their fault and was transferred to claims. I told the claims person I was getting the runaround from Chase and that their people were being either dishonest or not doing their job and that it was negatively impacting me. They told me that nobody had called me back previously about any resolution and that they only send emails ( they have never sent me an email related to the case ) and that it was out of their hands and they would do nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Regardless of the written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Product: Credit card or prepaid card

A few months ago, XX/XX/2021, I cashed a large insurance settlement check after being crashed into by a drunk driver and the company I cashed it through who works with western union deposited the max amount it would allow. It was a little less then {$800.00}, around {$750.00} transferred to my XXXX XXXX Account. For some reason the card would not allow me to use it. A team informed me I hadent used it In A while and with a large deposit I needed to confirm who I am by sending a copy of my Photo ID. My photo I sent was a copy of my current drivers license with all information correct and matched. I was told that was fine. A few hours later I tried to use my account and was informed it was still locked. Even though I sent my ID that because he didnt like my tone, he is also demanding to see my official social security card. I refused to send my social security card. My drivers license is an accepted form of identification. This was not a new account, this account was opened for a couple years. Because I worry about fraud and Id theft there was no way I was now sending my actually social security card to them. The women I was originally speaking with confirmed my social security number over the phone when asked for it, I repeated it. I was told the only thing I had to do was send my photo Id. The customer service reps manager then took it apon himself to inform me he is closing my account, I am being banned from XXXX XXXX XXXX, and I will never be receiving my money. He has claimed to send back to sender. The next day I went to the office where the money was transferred from and they have no record of money sent back. Ive said he wasnt mailing my money, that Im not getting anything from them. The rep made good on his threats. To this day, I cant find my money. I cant get another card as Im told I am literally banned black listed from them, and I have no access to the online account that would have any information. He locked my account and they will not unlock it. I am in able to look at any of my transactions, monthly summaries, or even the deposit. 
Western union claims to not have my money. My money has disappeared, I have no account access, and I was verbally assaulted by the customer service manager that was on duty.
Product: Money transfer, virtual currency, or money service

I started my Binance.US account a couple months ago and tried to fund my account with ACH transfer. Your ACH transfer were glitching and the money went into my Binance.US account but never charged my bank. A week later my account is locked due to chargeback so I instantly Wire transfer way more money then I owed. For some reason you accept my money but wont let me take it out. Yall have my entire life savings locked up and havent responded to any tickets at all. Crypto is crashing and I cant do a thing about it. Sounds highly illegal. # XXXX is my LATEST ticket number. I can't come to terms with how you can keep someones hard earned money locked for months with no response as to why and just letting peoples accounts burn to the ground
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXXXXXX 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 n accordance with the Fair Credit Reporting act XXXX Account # 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
Product: Debt collection

Citibank turned me over to collections for. credit card debt they could not validate. I sent a letter stating that I would pay any debt they can validate that I am responsible for by providing me with an invoice ( not statements ), a contract with wet ink signatures from both parties, full disclosure, and an assignment contract. I have not received anything but statements and now a letter stating they intend to sue me in court. They need to provide an assignment contract and validate this debt with a contract with wet ink signatures from both parties to legally validate my debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been fighting XXXX XXXX credit card that I didn't open that continues to report on my credit report. It's reporting on my record as charged off of sold to another company after our being already removed only to be replaced after a year! I put in the last request for is to be validated on the XXXX of XXXX for them to tell me that Experian told them the information was correct. I contacted Experian and they told me that the credit card company told them the information was correct.