23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I took the balance transfer from chase and then after that I set the auto payment to minimum due amount but chase tried for the full payment my bank does not have sufficient funds and then they charged me overdraft charges. After couple of days they retry again for full payment and again they charged the overfldraft fees. Chase also again charged me on the returned amount XXXX XXXX 

I asked the proof from chase on retry terms and conditions on agreement and proof for auto pay for full payment they have not sent me for 2 months. They are keep on interest charges to my account.
Product: Student loan

On XX/XX/22, XXXX  XXXX XXXX XXXX sent a payoff check to Firstmark Services for {$9300.00}. On XX/XX/22, the check was paid and endorsed by Firstmark Services. On XX/XX/22, I emailed Firstmark Services to ask about the status of the check. On XX/XX/22, they responded and told me that the check was not yet received and I should send documentation. On XX/XX/22, I emailed and uploaded a copy of the check, as well as verification that the check was cashed on XX/XX/22. On XX/XX/22, Firstmark Services told me that the check was returned for XXXX. I responded with an email that stated again when they cashed the check and that I would be filing a complaint if they did not figure this out. Finally, last night I emailed and stated I would be filing a complaint this morning. They responded and said again that the check is XXXX  and returned. I submitted a letter from my issuing institution that states that the check was never returned and that the issuing institution conducted an audit on their ledgers and confirmed they were balanced. My husband and I called Firstmark Services to try one last time to get this straightened out, and the best answer we received was that they would investigate it with their processing team. 

This has been very frustrating and we have been fighting with them since XX/XX/22. We have offered proof again and again that they cashed the check and did not apply the funds to my loan.
Product: Debt collection

I have called Convergent outsourcing numerous of times asking for assistance to have this account disputed. I spoke to a representative the end of XXXX who advised they were going to call XXXX to dispute. I than recieve a letter on XX/XX/XXXX stating the account is valid and they couldn't remove the debt. I reached out to XXXX Collections on XX/XX/XXXX they advised the account was placed in collections in error. They advised the account was closed out and told me they were going to resolved the situation by reaching out to Convergent. I was told that Convergent outsourcing was going to send me a letter for proff of closure of the account. I called Convergent today XX/XX/XXXX to check the status and someone I spoke with said the balance was still owe. This is fraud and none if their team members are trying to assist. They are trying to make us pay for something that is not valid n I'm upset with run around they are giving. We don't owe any money and they refuse to closed the account which is negatively impacting my credit score.
Product: Checking or savings account

I have reason to believe that Bank of America has placed excessive holds on my account with Fraudulent reasoning. I received two checks both from my Law firms, the first check was placed on a seven to 10 day hold. The second check from the same institution was due to clear on the third business day and yet an additional hold was placed on my account with the reasoning being that they had information which lead them to believe that the check may be returned. This in no shape form or fashion was true. The first check did not have any issues being cashed, was not returned or delayed by the sending banking institution. When I reached out to Bank of America to counter these claims, I was told that they couldnt tell me how they came to those assumptions. Which lead me to believe that this Bank was targeting me and withholding funds without reasoning. My livelihood is being affected due to presumption decision making. I begged and pleaded that a portion of my funds be made available and they declined without reasoning. The additional hold was only placed on my account after I made an appointment to close my account the day the check cleared. I understand how institutions hold funds to make interest of the money in ones account, to hold my funds on false reasoning is unethical!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  ran my credit on XX/XX/2021 I did not request this and I do not have an open line of credit with this company.
Product: Debt collection

Credit Bureau made aware I was a victim of identity theft of which the listed items reported may be a result. I have no knowledge of these accounts as they are listed with account numbers and I have never done business with Hunter Warfield Inc. 

Desired Resolution : Delete & Block item/items immediately pursuant to Section FCRA law section 609
Product: Credit card

I opened a dispute against an XXXX  vendor with Chase back in XXXX. I disputed all charges in the time frame of XXXX. About XXXX XXXX. I had been purchasing XXXX XXXX and the vendor didnt deliver on advertised benefits of the purchase. They ran me through about two weeks of phone calls and eight different claims agents who materially misunderstood the issue and claimed that because it was an advertised benefit of the product and not the product itself they couldnt process the chargeback. As of today, their banking agents in person told me I had a case and their call center agents have been stonewalling my dispute. They processed a single XXXX XXXX chargeback successfully and have not been helpful since.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCOUNT # XXXX HAS A OPEN DATE OF XX/XX/XXXX WITH NO PAYMENT HISTORY OR XX/XX/XXXX DAYS LATE NOTICE. TRANSUNION IS NOT REPORTING 100 % ACCURATE INFORMATION ON MY CREDIT REPORT, THIS IS A VIOLATION OF MY RIGHTS UNDER THE FCRA AND FDCPA
Product: Credit reporting or other personal consumer reports

I recently filed an investigation with report number XXXX. I ask experience to investigate my accounts that they are reporting they conducted investigation as accurate but they refuse to send method of verification. This is another example of Experian is harming consumers credit files without performing proper investigation. They have failed to send the method of verification as requested. I have attached there result without a method of verification. A reasonable accurate investigation has never took place this is an example of why there is a class lawsuit against experience by the CFPB.
Product: Credit reporting or other personal consumer reports

I am being charged for items I didnt receive under the agreement I signed for. The account is now in collections after multiple attempts by me to get an new lease agreement with Monterey Financial but Monterey Financial failed to provide me with an updated proper lease agreement for the items instead it shows different items and prices than what I agreed to. I made multiple attempts to return the items. Monterey Financial told me to contact XXXX  to return the items but then XXXX said that I needed to contact Monterey Financial & that XXXX couldnt do anything for me as the issue is with Monterey Financial. I am not legally responsible for the items as the items I agreed upon is not what I actually signed and agreed to as the contract has been voided due to error in factual information of the agreed upon open endlease because I did not receive the proper original lease agreement items. I have submitted the receipt to Monterey Financial but Monterey Financial is claiming that the documents I sent could not be opened. This very predatory and its a tactic that should not be allowed as this company expects me to pay for something I did not receive and agreed upon. Under FRCA The Fair Credit Reporting Act a fair investigation has to be done but Monterey Financial violated my rights under The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., to a fair investigation after I have brought to their attention that there is a billing error & I did not receive the proper items as I agreed upon as Monterey Financial are only trying to collect as much money as possible. I even tried to make payment to Monterey Financial of {$600.00} on XX/XX/year> because I assumed that Monterey Financial would send me an updated lease agreement with the items I agreed to but their site would not accept my payment which I immediately made Monterey Financial aware of the situation. I sent a video of the error to Monterey Financial about the issue of their website they did nothing and the 30 day buy guarantee price had expired so I went from owing {$600.00} for the original items I agreed upon but didnt receive to over {$1800.00}. That is a very predatory tactic to scam customers which is unacceptable. I tried to have Monterey Financial accept a {$610.00} payment before it even went to collections but Monterey Financial failed to accept the payment by saying that the 30 day guarantee is over with but it was not paid because two issues thats were on their end. The website would not accept my payment & their is contract errors ( billing ) with the items I was supposed to receive and pay for. I am not legally responsible for the items that Monterey Financial put in collections as I did not agree to the items nor are there any legal documentation with my signature agreeing to a lease with the items I actually received & tried to return.
Product: Credit reporting or other personal consumer reports

Hard inquiries : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RESIDENT VERIFY In accordance with the Fair Credit Reporting Act. The lists of accounts below violates my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 RESIDENT VERIFY, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 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 crime 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: Mortgage

Ditech provided a modified loan payment program ( attached ) starting in XX/XX/2017. The payment schedule is in the attached. I made all of these payments on time during that program and yet they showed my account late in every single month ... they even accelerated the delinquency all the way up to 90 days. I disputed this with the credit bureaus and they left the status and historical payment information the same. 

Section 623 of the Fair Credit Reporting Act provides that data furnishers ( Ditech ) have the same responsibilities under this law as credit bureaus. Ditech is reporting something they know to be incorrect by listing this delinquency during these months.
Product: Credit reporting or other personal consumer reports

in accordance with the credit reporting act bridge crest and conns Credit has violated under 15 US 1681 section 602. States I have the right to privacy 15 C 1681 section 604 section 2. It also states a consumer reporting agency can not furnish account account without instructions under 15 US 1666B Credit may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

SEARS/CBNA i opened a Sears CC at XXXX XXXX XXXX, the store clerk entered a wrong address into his computer for my home of record. i went to the XXXX store 3 times to find out why i was not receiving any correspondence or bills. the Store manager said they had no info and to just wait as new accounts took time. they had no info in system so could not tell me what to pay or take my payment and guarantee it would be accounted for to my account properly. 

I was given a number to call, but since i did not have an account number i could not get through computer screening system, after many attempts i finally got through to a person but by then my Credit report showed delinquent. i was able to give them proper address and pay off amount ; their internal system showed all mail sent to me was RTS. 

phone rep said to file appeal through credit reporting agencies which i have done many times with no change. 

most calls were dialed on work phone but i have a snipet of one that was dialed from my phone XX/XX/2018 trying to connect with a Rep
Product: Credit reporting or other personal consumer reports

I am contesting the information on my credit report that I believe is not correct. I need evidence that you verified the information to be accurate and compliant. For every inquiry I request proof that you confirmed that the creditor had a permissible purpose. I am giving you a month to investigate this matter and determine whether it is still accurate, valid and in compliance. If you can not provide proof that the information is accurate, compliant or valid I demand that you remove it from the report. When I ask for proof I am asking if you are unable to provide me a copy of Documentary material under 12 U.S. Code 5561 ( 4 ) Documentary material The term documentary material includes the original or any copy of any book, document, record, report, memorandum, paper, communication, tabulation, chart, logs, electronic files, or other data or data compilations stored in any medium. Must have verifiable proof which is listed within this letter within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter.
Product: Debt collection

synchrony Bank has repeatedly called me and harass me when I tried to set up payment payment arrangements for all my accounts they told me they would call me back they never called me back and when I finally did call them they told me it wouldn't work
Product: Credit reporting or other personal consumer reports

Currently on my XXXX report on XXXX XXXX, it is indicated that the Capital One account has 54 missed payments, but the information displayed on XXXX is inaccurate which should state *never late
Product: Debt collection

I have been being harassed about a debt that I did not owe. This alleged debt is dated XX/XX/2017. I have requested on multiple occasions for this falsely reported debt to be validated and have been ignored and finally received a response that not only proves the debt is not owed by me but violates my rights under HIPPA laws. This document that will be included not only shows I had a XX/XX/XXXXbalance with this agency, it exposes my personal medical history the infringes on my rights under hippa law! 

The documents shows that the patient in question owed a XX/XX/XXXXbalance and was covered by medical insurance at the time of the procedure/appointments. Furthermore these documents show misleading and false medical information
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following accounts from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), as I am a victim of a data breach and these entries are unauthorized. 
The following accounts must be blocked and deleted immediately : 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, credit repair services, or other personal consumer reports

On XX/XX/2017 I submitted disputes on the item below. To this date, Equifax has not investigated or responded to the following issues on my credit report at all. The creditors have attempted no contact with me resulting from said investigations. Please see items below ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX COLLECTIONS XXXX {$510.00} XXXX {$590.00} XXXX XXXX XXXX {$6800.00} Equifax is in violation of the FCRA regulation below : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit reporting or other personal consumer reports

I am unaware of the mentioned inquiries, and I respectfully urge you to address this matter promptly. Supporting documents have been enclosed for your reference.
Product: Money transfer, virtual currency, or money service

My complaint is with Cash App, I had 2 accounts with them that I used for different reasons, On XX/XX/XXXX for no apparent reason they closed both of my accounts, I sent them so many text messages and have gotten no reason as to why they would do that. I have asked them over and over and explain to me why, and today is XX/XX/XXXX, and I still have not gotten a legitimate answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several letters to XXXX, Experian, and XXXX to clean up the inaccurate names and addresses on my credit reports more than twice and they still not have been deleted. I also requested that a two inquiries that I did not make be removed as well and they were not. I am escalating to CFPB in order to rectify the situation and have the inaccurate information from my credit reports deleted. 

Inaccurate Name ( XXXX XXXX : XXXX XXXX XXXX Inaccurate Addresses : XXXX ROCK XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Experian Inaccurate Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX   Inaccurate Addresses : XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX SUMMIT XXXX XXXX XXXX XXXX XXXX, GA XXXX Experian Unauthorized Inquiries : XXXX Bank - XX/XX/2018 XXXX Unauthorized Inquiries : XXXX XXXX - XX/XX/2018
Product: Credit card

On XX/XX/XXXX I applied for a Citi XXXX card, principally because I had to make a large purchase in the following two weeks, and they were advertising a sign-up bonus in exchange for adding {$4000.00} to the account balance in the first two months. But they did not disclose an annual membership fee at sign-up. 

That card never arrived. Citi did however immediately begin sending me bills for the annual membership fee, and within a month, another additional {$40.00} late fee bill. 

On XX/XX/XXXX I called again to let them know the card had never arrived, and that I would be hugely inconvenienced if I did not have it on hand to make the large purchase for which I had signed up. The representative said they would send another one immediately, which also failed to arrive. 

I began to receive paper bills and automatic " this is an attempt to collect a debt '' calls. So on XX/XX/XXXX I called again, and explained I believed their marketing practices were illegal, that I would be unable to use the card and its promotional value, and that I needed to close the account and would file a complaint with XXXX. The representative offered to extend the promotion for six months, to cancel the late fee and the membership fee, and said Citi would call me back within a week to confirm. They also offered to overnight the new card to me. That card finally arrived, but I didn't activate it, waiting to hear back about the new promotional terms. But the debt collection calls related to a past due fee have also continued. 

So on XX/XX/XXXX I called again, and the representative said she had no record of another representative having extended a promotional offer or of offering to cancel the membership fee. I am still being billed for a membership fee for a card I never even activated. I assume this could negatively impact my credit, since I refuse to pay for a card I never even activated. The representatives kept me on the phone for over an hour, transferring me to different departments to try to convince me not to cancel my account, and I was unable to get them to cancel the {$95.00} membership fee or to close my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo is not reporting my account on my credit report. Please make sure this account is being reported ASAP!! The account number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several items that are listed on my credit report that are not mine and are fraudulent, errors and incorrect as none of the accounts are mine. XXXX XXXX XXXX XXXX from my report as letters were sent in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX These accounts are keeping me from buying a home and making it impossible to move forward with my life. 

1. XXXX XXXX XXXX XXXX - balance is showing charged offed ; was {$8800.00}, account number not listed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/XXXX, 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. Please correct or delete the following items immediately : 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 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