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

XXXX is failing to comply with FCRA Sections 605B and is also in breach of Sections 616 & 617 for willfully non complying and neglecting to adhere to the rules and laws of the FCRA. XXXX is failing to block or remove the account from my report. I followed their guidelines. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged accounts, I validated the identity theft with a federal law enforcement agency ( which they're claiming I haven't ), I submitted the identity theft reports, provided a report circle the fraudulent account, an affidavit from the FTC website & provide a photo ID for their records. XXXX has claimed the account listed below have been verified and are accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have this account blocked/removed : XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/2008 Balance : {$7100.00}. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but XXXX is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Product: Checking or savings account

I have a CD which matured on XX/XX/year>. Several weeks prior to that I sent a secure email to the bank through their system requesting that the CD NOT be rolled over, but the funds be transferred to a savings account I had with them. The day after the CD matured, the funds were not in my savings account and the CD had been rolled over for another year. 
I called their customer service and spoke to them about it. I was assured that the funds would be released to me, and the delay was because they were " very busy ''. 
It is now a week later and the funds have not been released, and they are being held in a CD that matures in a year, against my specific instructions to them and withing their " grace period ''
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it May Concern According to my most recent credit report, your company is currently reporting That I applied for credit with the listed below organizations. I did not grant them authorization to review my credit report. 
The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept these inquiries. If a signed authorization can not be found please remove these inquiries from Equifax. 

I have listed the inquiries below : XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXL XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX , XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

Hello, I received a notice about a new medical collection added to my credit profile. This is a LIE as my insurance paid this expense in full. I demand this to be removed at once as this is impacting my credit profile. I am also showing numerous inaccuracies, arent the active dates supposed to match under the FCRA? I will hire a credit consumer lawyer if needed and sue for all violations found. I have yet to receive any verification as well
Product: Checking or savings account

On XX/XX/scrub>XXXX XXXX XXXX XXXX XXXXXXXX XXXX  I attempted a transaction for {$37.00} using my Capital One account, which was denied despite my account showing an available credit of {$50.00}. Upon contacting Capital One, I was advised to return to the store and try again, only to face the same rejection at XXXXXXXX XXXX This issue highlights a systemic flaw in their system, where " available credit '' is inaccurately displayed, misleading consumers into believing they have funds they can not access. 

Such misrepresentation undermines consumer trust and can lead to financial harm, such as overdraft fees, missed payments, or wasted time. Capital One 's failure to address this known issueacknowledged by their representatives as a recurring problem for other customerssuggests potential negligence and non-compliance with transparency and fair lending practices. This directly falls under the Consumer Financial Protection Bureau 's mission to ensure accountability and protect consumers from deceptive or unfair practices by financial institutions. 

I called back after being denied a transcript to the phone call. Listen to the phone call here ( Starts at XXXX ) XXXX/CapitalOneLendingAct
Product: Mortgage

Truist purchased my mortgage from XXXX back in XXXX of XXXX. During the XXXX of XXXX, Truist failed to properly handle payment withdrawls, losing data in their portal, and reprocessing payments multiple times. As a result, my checking account overdrafted multiple times. Worse, Truist returned multiple payments and reprocessed another without my knowledge. Last, Truist processed transactions via wire transfer, incurring irreversible fees.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credict reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidenciallity under 15 USC 1681. The accounts bellow have violated my rights.

15 USC 1681 section 602A, States I have the right to Privacy.

15 USC 1681 Section 604A section 2 : It also States a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681C ( a ) ( 5 ) section states ; no consumer reporting agency may make any consumer report containning any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate -CBC/ XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX EXperian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian
Product: Student loan

1. ) It is impossible to get in touch with an actual person to get information about my student loans.

2. ) The information regarding % of income considered for payments. The website says XXXX XXXX but it should be XXXX XXXX.

3. ) I am unable to tell how much of my balance is past interest.

4. ) There is no record of any of my past payments in the last 20 years so there is no way for me to verify that information 5. ) I received a paper bill in XXXX statin there was a balance due this month when there should be no payments until XXXX. Mohela is trying to scam borrowers 6. ) I believe my expected payment amount of {$440.00} for the next XXXX months is inaccurate but I am unable to connect with anyone at Mohela to verify this amount.

7. ) Mohela is not communicating any meaningful information about borrowers information, options, or what they are legally required to provide and do.
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 consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : US DEPT ED Account XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 1681c. ( a ) ( 5 ) Section 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 antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Contacted the company after receiving a letter advising that an extra fee was required as the item was returned. After speaking with my financial institution was advised that original merchant had not attempted to process the payment. Checkredi advised that they do not dispute debts an that there was nothing that could be done.
Product: Student loan

XX/XX/XXXX RE : XXXX XXXX Student Loan Borrower Covid Refund Request from XX/XX/XXXX To : Edfinancial Student Loan Servicer/US Dept Of Education Since XX/XX/XXXX, when I first requested a refund of all federal student loan payments I made during the Covid Pause from XXXX I have been unable to get a consistent answer from Edfinancial as to when my refund will be returned to me and the covid payments reinstated back into my Edfinancial Borrower Account. 

I have called and spoken to Edfinancials customer service representatives and supervisors and have received repeated assurances that the request was expedited on numerous occasions. I made the initial request for a complete refund of all Covid payments on XX/XX/XXXX, I called back on XX/XX/XXXX to clarify that it was completed and they had submitted incorrect paperwork and resubmitted it on that date. In XXXX I called again and was assured it was processing. In XXXX most notably I had a 2 hour conversation with customer service representative XXXX during which time she researched the entire situation and expedited the Covid refund request once again after multiple other agents had previously told me they completed the proper request procedure to get the request processed appropriately. 

None of these phone calls have resulted in any funds paid during the Covid pause being returned to me or in the balance of my Edfinancial account being reinstated. Despite the fact that I made the request well within the time frame that was appropriate first on XX/XX/XXXX and then again on XX/XX/XXXX. Both times well before the Covid pause was set to end. 

At this point I need to have a supervisor from Edfinancial and/or a supervisor from Studentaid.gov/US Dept of Ed reach out to me to appropriately address and resolve this situation that has now gone on for a full 6 plus months. Despite the many hours of time I have spent addressing this situation since XX/XX/XXXX on at least 6 different phone calls to Edfinancial last month on XX/XX/XXXX I again was assured it was expedited no refund or resolution has occurred. On XX/XX/XXXX I called XXXX again to check and the regular customer service representative had no idea how to handle the situation or resolve it. 

Please call me or email me immediately at XXXX or XXXX me resolve this situation once and for all. 
Thank you so much for your time and attention to this extremely important matter. 

We have contacted Student Aid.gov and submitted MULTIPLE complaints and each time they tell us this will be expedited but have not received one phone call back from anyone in 8 months!!! We have contacted the Ombudsman but have not heard back from anyone. We have contacted our local and state representatives on this matter as well. Have not heard from one person in 8 months. This is our legal right to receive our money back so we can double consolidate and put it into the SAVE program. We can not get one answer back from anyone! 

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

On XX/XX/19 I submitted a dispute with Transunion disputing the XXXX XXXX XXXX collection account that is reporting on my credit report. Transunion claims the debt was validated and did not remove it from my reports. XX/XX/19 I submitted a request for Transunion to provide me method of verification they used to ensure the debt was valid. I never received anything confirming. I reached out to XXXX XXXX XXXX on XX/XX/19 to request validation and they also failed to provide me with any documents regarding this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am sending to formally dispute an account that appears on my credit report, which I believe is the result of identity theft. The account in question is listed, with the following details : XXXX XXXXXXXX Balance : {$0.00} I have no knowledge of this account, and I am certain that it does not belong to me. I believe it is the result of identity theft, and as such, I am requesting that the account be removed from my credit report. 
I have attached my FTC Identity Theft Affidavit, which outlines the fraudulent activity and details the accounts that were opened in my name without my consent. 
I request the following : 1. Immediate Removal of the XXXX XXXX account and any other fraudulent accounts from my credit report. 
2. Removal of any other information reported from my FTC Identity Theft Affidavit ( including addresses, accounts, and other details ) that do not belong to me.

3. Confirmation of the removal of these accounts from my credit file, along with an updated copy of my credit report showing the corrections.
Product: Checking or savings account

XXXX. I have been a loyal Chase customer since XXXX, adhering scrupulously to all regulations and rules without any violations. However, on XX/XX/XXXX, I was unexpectedly informed by Chase that my account would be forcibly closed. The notice was discourteously brief, prohibiting any inquiries about the reasons or potential resolutions for this action. Despite assurances that a refund check for the full account balance would be mailed by XX/XX/XXXX, I have yet to receive any funds or further explanations. 
XXXX. It has been nearly XXXX months since the incident, and repeated attempts to resolve this matter have been met with poor customer service and continual evasion by your staff. Every inquiry remains unanswered, leaving me without any justification or resolution. 
XXXX. Immediately following the closure notification, I consulted a manager at a local branch, who, after reviewing my account details, confirmed that there were no suspicious activities associated with my account. This manager also reassured me that all funds would be returned via check on the promised date ( XX/XX/XXXX ). Despite numerous follow-ups from myself and manager with the bank, I have been repeatedly met with rude assertions that the account is being held legally without cause, and disturbingly, there is no indication of when the funds might be released.

4. I am profoundly distressed and angered by this situation. The banks actions constitute a severe breach of consumer rights, and I suspect deliberate delays and potentially improper use of client funds. I possess compelling evidence from the onset of this issue. Should the funds not be promptly returned following this complaint, I am prepared to take all necessary legal actions against Chase Bank.

5. I demand immediate action to rectify this situation, including a detailed explanation and the swift return of my funds.
Product: Credit card or prepaid card

To whom it may concern, I am writing in regards to my late payments on my credit report from dates XX/XX/15 for my COMMENITY Capital Bank/XXXX XXXX account. 

I understand how important it is to make timely payments, and that failure to do so creates an inconvenience for you. However, I missed my payments because it was my first year away at college. I was waiting on financial aid to come through. Now unfortunately there was an issue with receiving my aid which was not received until much later because of that I was forced to live off my small savings that I accumulated from working the summer prior. Since then, the debt has been paid off and satisfied by the creditors. I did not at the time have a real comprehension of how credit cards worked and I am confident that this wont happen again and I have taken steps to ensure my financial responsibility moving forward. Since these mistakes I have a perfect record of on-time payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to the car dealership they said they were gon na just pull it for XXXX XXXX XXXX XXXX. However, there was 17 other hard inquiries. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

In the month of XXXX, as evidenced by the attached receipts, I requested an investigation to ensure compliance with the Fair Credit Reporting Act ( FCRA ). This act mandates that my information be accurately and completely displayed on my credit report. My dispute is not about the ownership of the accounts, as I acknowledge they are mine. 

My concern is solely about the accuracy of the information as required by FCRA Section 1681, which all Credit Reporting Agencies must adhere to. While some items were removed from my credit report ( as detailed in the attached documents ), they were later reinserted with the same inaccuracies. This reinsertion occurred because the creditor claimed the information had been verified as correct. 

According to the FCRA : ( i ) Certification of accuracy of information : If any information is deleted from a consumers file pursuant to subparagraph ( A ), it can not be reinserted into the file by the consumer reporting agency unless the furnisher of the information certifies that it is complete and accurate. 

The following accounts are still inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Attached you will find certified mail receipts and copies of my current credit report with the mentioned accounts and inconsistencies.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Subject : Dispute of XXXX XXXX for XXXX and XXXX XXXX # XXXX Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to formally dispute the civil liability claim # XXXX, which alleges negligence and noncompliance on my part. After thoroughly reviewing the matter, I believe that the claim is without merit for the following reasons : 1. Lack of Negligence : The claim asserts that I have failed in my duty of care, leading to damages. However, I dispute that I acted negligently in this situation. I have always exercised the standard of care expected under the circumstances and adhered to all applicable rules, regulations, and industry standards. There was no deviation from what is considered reasonable or expected in this matter.

2. Noncompliance with Legal or Contractual Obligations : I also dispute any claim that I have been noncompliant with any legal or contractual obligations. All the necessary actions have been taken on my part to ensure that all required procedures, laws, and contractual terms were followed. Any suggestion of noncompliance is therefore inaccurate. 
3. Inaccurate or Insufficient Evidence : I believe the evidence provided in support of the claim is either incomplete, incorrect, or not applicable to the situation at hand. I would request that you review the documents and evidence associated with this claim, as I am confident that the facts will not support the accusation of negligence or noncompliance. 
Given the above reasons, I request that this claim be withdrawn or revised accordingly. If necessary, I am more than willing to provide further documentation or participate in a discussion to resolve the matter in a fair and equitable manner. 
Please acknowledge receipt of this letter and inform me of the next steps to dispute this claim formally. I expect this matter to be addressed promptly and in accordance with applicable legal guidelines. 
Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX
Product: Student loan

the website does not ever load and the customer service is impossible to reach I'm trying to get account info to make payments weekly through my online banking but the site seems intentionally poor
Product: Credit card or prepaid card

Company closed my XXXX credit card account without warning, and I lost access to all statements online, which made it very difficult for me to dispute fees that BoFa charged on that credit card.
Product: Debt collection

Drove on  XXXX  in   XXXX   and did n't realize that it had been updated to   XXXX   XXXX  , having travele d that road many times in the past as carpool lane.  The bill was {$33.00}, first charged in  XXXX . 4 months later, I am being charged {$120.00} from a collection agency, though they dropped that as first time to {$90.00}.   XXXX   XXXX   XXXX   XXXX  s the agency, tel  XXXX . To me, I wondering about the legalities of the overcharging. However, even if this is okay, they ask me to confirm my name, phone number, address. Then I pay, giving them my card number, expiration date, and security code. And they will not send an email confirmation or receipt! To me, this is unacceptable and probably illegal. I do not get a receipt?     I think that this seems to be taking advantage of a well meaning person who has a  credit score o f  XXXX  and never misses a payment.