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

XXXX XXXX XXXX XXXX address : address : XXXX XXXX XXXXXXXX, XXXX, XXXX  XXXX. Phone number : XXXX This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I am maintaining a careful record of my communications with you for the purpose of filing acomplaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the original application, contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible. Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. XXXX XXXX XXXX XXXX, is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. If this alleged item is not deleted from my report, I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX multiple times asking them to verify some information that they are reporting on my consumer report. I asked them for a description of the procedures, which is my right pursuant to 15 USC 1681i ( 6 ) ( b ) ( iii ). Their response does not provide me the information I have requested. They have violated my consumer rights.
Product: Student loan

Navient student loans is making it next to impossible to receive an income based repayment plan. I have tried several times over the past 5 months to properly enroll in the plan. They seem to have excuses each time I speak to them about why something was n't done. I requested hard paperwork be sent to my address twice. Each time, I was told the mail was " returned '' and that I should just do it electronically, anyway. I sent it via internet and was told it was n't received. Every time I spoke with someone, it seemed I could n't get straight answers out of them regarding how I should properly submit the income based plan. I finally mailed it in via certified mail. I was told I would receive an email on their decision a week ago and still have n't gotten that email. I fully believe NAVIENT knows exactly what they 're doing to make it difficult for people to pay back their loans in an affordable manner.
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX my capital one credit card was closed. Since then this company has reported my card closed and paid for the last 9 months. Now all of a sudden after being reported as closed and paid on time prior to that, it has reported that I have missed payments in XXXX and XXXX of XXXX. There is no reason it has not continued to report as closed or stopped reporting.
Product: Credit card or prepaid card

Two credit cards with chase bank had fraudulent charges on them performed by a business associate that went bankrupt. These charges were never authorized. 
Chase Bank show 's these as Charge off in XX/XX/2013. 
CardsCards # XXXX & XXXX. 

I disputed this with the credit bureau in XX/XX/2013. Other letters were sent to Chase Bank prior to that with no results
Product: Credit card

This account was closed on XXXX/XXXX/08 want to be removed from my credit it 's already more than 7 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

Some payment statuses dont show accurately. This is affecting my credit reporting payments percentage. Should all show current.
Product: Student loan

I am a co-signer on my daughter 's student loans. The private loans, totaling about {$18000.00}, are still with Navient. She refinanced the federal ones to lower her payment, but her private ones are still with Navient. She has trouble paying. I 've helped when I can, but I can afford them either. When she gets behind, they start calling, up to a dozen times a day. At one point, I wrote them a letter and asked them to stop harassing us but it 's started back up. I have also received letters from them and toward the end of the letter, it says, " If you 're having trouble making your monthly payments, please call us so we can assist you at XXXX to help you XXXX XXXX., and XXXX XXXX., ET. Sincerely ... '' She has written emails and tried to contact by phone, so have I. They are very hard to get through to. When she finally actually gets through to someone, they say they ca n't help. And the balance never goes down. She graduated in XX/XX/2008 so has been making payments for over eight years. 
The worst part is that she got a horrible education at XXXX, they lied to us about a lot of things, and she 's still stuck with this loan and her degree means nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

For your info I just recently put in a complaint for Mid West Recovery known as a  scam Thos company know reported a collection account to my XXXX i dont see how that is legal because under Fair Credit Reporting Act never did i receive any debt validation letter or phone call from the # on my report so they violated therefore this debt is not validated by consumer and 30 dy is long expired Back inXX/XX/XXXX it was reported as an open account on XXXX and XXXX so XXXX should of been at same time reported that was suspicious After fighting to have this removed which XXXX did right away and i put a dispute with XXXX Know asking for this company to get tbis removed deleted Over a year know i been working on repairing credit and avoiding negative accounts Mid west recovery is in violation code 809 a for not sending debt validation letter first and before reporting to the bureaus a 30 day timeframe consumer was never given in order to respond
Product: Credit card or prepaid card

I have been trying to get a resolution to a disputed charge for over 3 weeks. 

I have received a provisional credit but I have not been updated on status. 

They are also reporting this disputed amount on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information for the third time, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/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 XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, Account Name : XXXX XXXX, Account # : XXXX, Account Name : XXXX XXXX, Account # : XXXX, Account Name : XXXX XXXX, Account # : XXXX, Account Name : XXXX XXXX, Account # : XXXX, Account Name : XXXX XXXX, Account # : XXXX, Account Name : XXXX XXXX, Account # : XXXX, Account Name : XXXX XXXX, Account # : XXXX, Account Name : XXXX XXXX, Account # : XXXX Account Name : XXXX XXXX XXXX, Account # : XXXX, Account Name : XXXX XXXX Bank, Account # : XXXX, Account Name : XXXX  XXXX, Account # : XXXX, Account Name : 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

I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This collection was a corporate account and mistakenly reported on my profile. I believe there may be an error on this collection account. The XXXX and XXXX Credit Bureaus chose not to investigate and chose to continue reporting fraudulent practices. That is unethical and damaging as a law-abiding consumer. REMOVE THIS COLLECTION ACCOUNT COMPLETELY FROM MY CREDIT REPORT.
Product: Payday loan, title loan, or personal loan

This complaint concerns three problems : missing statements, vague payment information, and money missing from my account. 

-- -- First I will address the missing statements. -- -- I had been receiving statements through the mail, and I never opted into receiving statements online. Against my wishes and with no written notice, Fulton Bank switched my statements to online only and stopped mailing them to my house. The bank has never mailed me any notification of the switch. 

I notified the bank of this problem, but the representative told me to just view the statements online. 

Then, when I went to view a statement online, the bank would not give me access unless I agreed to new terms. Its not legal for the bank to withhold access to my banking records unless I agree to new terms. 

So, I am missing three months worth of statements, which Fulton needs to immediately provide. 

The period of time for which I am missing statements is XX/XX/XXXX through XX/XX/XXXX. 

I will need the bank to continue sending written statements every month as long as I have an outstanding balance on my loan. 

Also please note the timing of the banks actions. Previously I had a problem with employee fraud at the bank, and the bank failed to respond to my concern in a timely manner, so I contacted Complaint.consumerfinance.gov. The bank stopped mailing me statements immediately after I filed a XX/XX/XXXX complaint against Fulton. 

-- -- Next I will address the problem with vague payment information. -- -- The bank did mail a statement for the period of XX/XX/XXXX to XX/XX/XXXX. They included an unaddressed envelope with the statement, but no payment stub was included for me to return with a check, and they did not give any specific directions as to where to mail the payment. Nor did the statement indicate a due date. If I know the due date, the address for payment, and what information to include on the check, I do not necessarily need a payment stub. 

-- -- Finally, I will address the money missing from the account. -- -- In Fultons  XX/XX/XXXX response to my CFPB complaint, Fulton wrote that if I closed my account, they would mail me a check for {$24.00}. Instead, they mailed me a check for {$7.00} with no explanation regarding the difference, and because they also failed to provide bank statements for several months, I can not check my statements for insight. 

-- -- In summary, -- -- I am seeking : the missing statements covering XX/XX/XXXX through XX/XX/XXXX ; clarified payment information ( payment address, due date, reference number or else how they would like me to identify the check or money order with my loan ) ; explanation for sending me a check for a lower dollar amount than what the bank told the CFPB it would be. Also, I would like the missing money returned to me. 

I hope other consumers reading this are soon able to search the phrase Fulton Financial class action lawsuit and find a group of consumers who have experienced similar problems.
Product: Money transfer, virtual currency, or money service

I made a transaction through paypal on XX/XX/XXXX ( XXXX is the transaction ID ). This was a purchase of an item on XXXX The item received from XXXX was not as described ( wrong item was sent ), and I opened a case with Paypal. The case ID is XXXX XXXX The case was opened on XX/XX/XXXX On XX/XX/XXXX, paypal sent me an email stating that the seller has agreed to a refund, provided the item was sent back and tracking was submitted. 

The item was sent back to the seller, and tracking was submitted XX/XX/XXXX - tracking number XXXX The tracking shows the item has been delivered back to the seller 's return address. 

Paypal has since closed the case in the seller 's favor, despite the email from XX/XX/XXXX stating a refund would be provided if the item has been sent back. I've appealed the case several times, and their " back office '' keeps declining the appeal with no reason. Paypal is lying and not fulfilling their " buyer protection '' terms.
Product: Checking or savings account

I have submitted a power of attorney as agent for my mother as principal, which has been rejected multiple times. My mother is of suitable capacity to make her own decisions and signed the power of attorney with a valid notary. I also signed the document in front of a valid notary. 

My mother and I visited the Bank of America XXXX at XXXX XXXX in XXXX NJ on XX/XX/XXXX in person and the power of attorney was rejected while we were in the branch ( rejection letter attached ). As per the rejection letter, we submitted the additional documents requested ( even though they weren't legally required ). These additional documents included affidavits from XXXX barred New York and New Jersey XXXX. On XX/XX/XXXX I went into the same branch again and was told I needed to make an appointment again in person to process a power of attorney. I returned in person on XX/XX/XXXX only to have the power of attorney rejected again ( attached ). 

The form used was the latest statutory short form for New York Powers of Attorney available on the New York XXXX XXXX XXXX website. It is a valid power of attorney under XXXX XXXX  XXXX law. The claims by XXXX  XXXX XXXX are being used to reject a valid legal document, which has been examined and confirmed as valid by multiple attorneys. I have also included a copy of the relevant statute in my attachments. I have spent almost a month trying to get this approved to protect my mother from scammers who XXXX try to use fishing schemes to get her to transfer money from her account. Elder fraud is a very well known and documented issue and Bank of America is actively preventing me from assisting my mother in this regard.
Product: Credit reporting or other personal consumer reports

I am a victim of IDENTITY THEFT and EQUIFAX DATA BREACH, and I DEMAND the IMMEDIATE REMOVAL OF XXXXXXXX XXXX  INQUIRIES FROM MY EQUIFAX CREDIT REPORT. 
ACCORDING TO FCRA SECTION 605 B, IT IS ILLEGAL TO REPORT INFORMATION ON MY CREDIT REPORT WITHOUT MY PERMISSION.Please remove this inaccurate information from my EQUIFAX CREDIT REPORT IMMEDIATELY. 

XXXX AND EQUIFAX ALSO VIOLATED : LAWS 25 USC 68016802 AND 6803 Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 

Law 15 USC 6802 states that NON PUBLIC INFORMATION can not be shared by a financial to a THIRD PARTY ENTITY. ( THE CREDIT AGENCIES ) According to FCRA Section 605 B, It is ILLEGAL TO REPORT INFORMATION ON MY CREDIT REPORT WITHOUT MY PERMISSION. Please REMOVE THESE ILLEGAL INQUIRIES FROM EQUIFAX IMMEDIATELY. Thank you!
Product: Credit reporting or other personal consumer reports

I am seeking your support regarding the false account listed on my credit report. It has damaged my standing as a customer, and I require your help. These accounts must be removed due to the incorrect and negative reporting.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. This Account is in violation of 15 U.S. code 1681A ( 4 ) for consumer right to privacy.This bankruptcy shouldnt be on my credit/consumer report. 
XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 


2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX  XXXX Account Number : **** Delete this account. 


3. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 


4. there is some inaccurate information reporting XXXX  Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

Macy's/CBNA account was back in XXXX  and should not be reporting on my credit report by Macy's/CBNA. XXXX and XXXX is still reporting this account. They stating they are performing investigations and they are not. If XXXX and XXXX are doing a true verification then they know this account should not be reporting on my credit file. I want this account removed immediately. XXXX and XXXX please provide me with proof of verification. I want to know who verified. So I can take Macy's/CBNA to court if they saying this is a valid account and they own this account. I am giving XXXX and XXXX 4 days to get this rectified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed bankruptcy on a property I had a mortgage on which was discharged. That mortgage company sold the account to XXXX XXXX  so it reappeared on my credit report. I have documentation from XXXX XXXX  acknowledging their error and I also have a copy of my bankruptcy papers which has been discharged years ago and Experian still refuses to remove this. In the meantime, I have emailed XXXX XXXX regarding this issue.
Product: Debt collection

XXXX XXXX, XXXX  XXXX XXXX they don't show the dates on credit report
Product: Credit reporting

I sent a dispute to Equifax based on inaccuracies being reporting by XXXX XXXX XXXX XXXX XXXX. My account with XXXX XXXX XXXX XXXX XXXX is set up on automatic payment deductions, bi-weekly and the Credit Union failed to take out the payments, which resulted in late payments being reported to the XXXX major credit bureaus. I spoke with XXXX in the loan department at XXXX XXXX XXXX XXXX and asked her to correct the information. She indicated, XXXX XXXX XXXX XXXX would correct the inaccurate reporting when disputed when the XXXX credit bureaus. XXXX stated, the credit unions policy is to have the consumer send in the dispute and when contacted by the Credit Bureaus, they will report the account as on time and asked that the information be corrected in my credit file. 
It is my understanding when XXXX XXXX received the dispute, they requested the information be corrected, to show on time payments. However, Equifax deleted the account in question, as well as deleted XXXX other accounts with XXXX XXXX XXXX XXXX. XXXX secured installment account reports ; " Paid in full with on time payments '', the XXXX account is for an auto, which is open and show on time payments since XXXX XXXX and the XXXX account in question, is an unsecured installment account, opened in XXXX XXXX and should have shown on time payments. A total of XXXX accounts were removed with perfect payment history as a result of my dispute. The removal of the XXXX accounts from my credit file, is highly injurious to my credit rating and did reduce my score, contributing to my inability to secure a mortgage recently.
Product: Mortgage

I have had no stop issues with this bank. They absorbed my loan when they took over XXXX XXXX XXXX, i tried to make my first payment, i had to set up bank to bank transfer through Wafd, they kept telling me it would be set up, i had to keep calling and speak to multiple managers. I called to ask how to pay on principle, i was instructed on just make another payment and put apply to principle on the note, i did and they just made the next months payment with it. Now they have put some for admin charge on my account for XXXX no notice, no call, i called, the representative told me, " i have no idea why you have this charge from us '' I sent an email to XXXX XXXX XXXX XXXX Chief Audit XXXX at WaFd Bank XXXX Hi, What is going on with the WaFD process for setting up an external account? 



Situation : Very poor customer service and broken workflows. 





Background : I was a XXXX XXXX XXXX  customer now that banking system was absorbed by WaFD. 





XXXX : I have been contacting WaFD about setting up external bank ( XXXX XXXX ) so I can pay my mortgage. This is how I set it up with XXXX XXXX XXXX. I started this process the 3rd week for XXXX. Initially I was told I would be receiving an email that will link me to a pathway to send my bank statement. XXXX week goes by and I receive no such email. I call again, the WaFD agent says he doesnt know why it is taking so long. I ask him to escalate to his supervisor. I was told I would be contacted. No XXXX contacts me. I call again, speak to a different agent. She advises me to give it 3-4 days. I did, no email, I call again and ask for a supervisor, the supervisor tells me he will call the department and I do not need to be worried there will be no late charge. I get the email a week later and send the documents on XX/XX/year>. It is XX/XX/year>, still no external account. I called today, the agent told me, they just now see my request and I need to wait until Friday because its a 5 day turn around. 







It was sent XX/XX/year> : why now do I need to wait an additional 4 days? 





Recommendation : This entire pathway for new customers like me needs to be updated and clear to your WaFD employees. I can not believe the amount of time I had to waste to get to each step only to be made false promises and guarantees each step of the way. 



In writing this I would like you to answer the following : What is your process for new customers who need an external account set up through online banking? 
Was this process followed in my case? If not, what corrective actions will come out of reporting this? 
Who can ensure my external account will be set up, so I dont make a late mortgage payment? 


Thank you ''