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

This act qualifies as an unfair practice as defined by UDAAP as the subsequent month 's fee is unavoidable due to timeline of statement issuance and JP Morgan Chase Bank 's " minimum daily balance '' requirement. 

My complaint is the next statement cycle has already begun BEFORE the consumer is notified of the fee which results in an UNAVOIDABLE second {$5.00} fee on the next month 's statement. 

This is a basic example of monetary injury that is not reasonably avoidable by consumer : Notification of XXXX Statement is available was emailed on XX/XX/XXXXXXXX XXXX  for cycle ending XX/XX/XXXX. There is a {$5.00} fee for insufficient DAILY balance, not average balance. 

Notice of XXXX Statement is available was emailed on XX/XX/XXXX for cycle ending XX/XX/XXXX. This is the UNAVOIDABLE additional {$5.00} fee for insufficient DAILY balance because consumer isn't aware of preceding month 's fee until after the next month 's billing cycle has begun. 

See attachments please. 
Thank you for your time and consideration. 
Best regards, XXXX
Product: Credit reporting or other personal consumer reports

Last week I received an email from.my bank, XXXX XXXX, that my credit score had dropped XXXX points suddenly. After going into my bank app, I looked at my credit reporting section, and there was an account through XXXX XXXX XXXXXXXX with me as an authorized user. This account was opened in XX/XX/XXXX and has a limit of {$24000.00}, and a balance of {$79.00} according to this report. I immediately called XXXX credit fraud department to confirm using my name, address, social security number etc, we were able to verify the accounts existence, but because my phone number wasn't matching the account, I wasn't able to find out any more details due to the account being locked. The person on the phone from XXXX advised me to go into a branch after XXXX hours to resolve the issue. I went into a branch today and the manager was unable to find the account.

I'm worried something serious is happening here because I had an unemployment debit card during the beginning of the pandemic in XXXX. I was receiving unemployment benefits via XXXX XXXX XXXX until I was no longer eligible for benefits. I'm concerned that someone got my information and used it to open an illegal account due to commission practices and pressure from managers, much like how XXXX XXXX did in XXXX that landed them in that giant lawsuit. Either way, my inormation was used without my knowledge or consent and no one is offering me any help. This is unacceptable.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experians actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( XXXX XXXX XXXX  ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. Enclosed below are the accounts that I have marked as inaccurate : 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 card

I am filing a complaint against Capital One for unfairly denying my dispute regarding a merchants failure to honor their return policy. 

On XX/XX/XXXX, I purchased an emerald green dress from XXXX XXXX online for {$320.00}, paying for upgraded XXXX XXXX shipping ( XXXX business days ). The estimated delivery date was XX/XX/XXXX, but the item was not even shipped until XX/XX/XXXX and did not arrive until XX/XX/XXXX, well after the event I had purchased it for. 

Per the merchants return policy, customers are entitled to a full refund if a return is requested within 14 days of delivery. Their policy requires customers to email them to initiate the return and receive a prepaid return label. I followed these instructions exactly : XX/XX/XXXX I emailed the merchant ( XXXX ) to request a return. No response. 
XX/XX/XXXX, XXXX, XXXX, XXXX Sent XXXX more emails. No response. 
XX/XX/XXXX Emailed a secondary address ( XXXX ) and received an automated response promising a reply within XXXX hours. No further response. 
XX/XX/XXXX Sent another follow-up. No response. 

With no assistance from the merchant, I mailed the package back at my own expense to the return address provided on the original invoice, including the completed return slip per their stated policy. However, the package was returned to sender on XX/XX/XXXX, meaning the merchant never accepted the return, despite their policy requiring them to do so. 

I disputed the charge with Capital One, providing all supporting documentation, including : Screenshots of my multiple attempts to contact the merchant The merchants written return policy Proof of shipping delays Proof of my return package being sent and then rejected Despite this, Capital One denied my dispute, claiming I was outside the window to file. However, I could not have known my return would be refused until XX/XX/XXXX, long after I had already followed the merchants policy. The delay and refusal to process my return were entirely due to the merchants lack of communication and failure to honor their own policynot any fault of my own. 

By denying my dispute, Capital One is failing to uphold consumer protections and allowing a merchant to operate in bad faith. The merchant did not follow their own terms, and I took every reasonable step to resolve this issue before escalating it to Capital One.
Product: Debt collection

XXXX placed an item in collections stating they did not receive their equipment. I received a call from Franklin Collections stating the account was placed and I advised of the dispute at that time and never heard from them. The item appeared on my credit report months later. I emailed with copies of the tracking showing item received at att and should never hit any bureau. I received a letter on their letterhead stating this item would be deleted. I disputed the item with XXXX and XXXX and received an update from XXXX stating the agency has verified the item to me. I uploaded the letter and disputed correctly. At this time Franklin has violated several FCRA and I am requesting they resolve this on all bureaus and be fined accordingly.
Product: Credit reporting

I need your assistance in helping to get inquiries on my credit file that was not authorized nor completed by me. I am a victim of identity theft. My purse was stolen and some my personal information was compromised. I did not authorize any credit applications ( inquiries ) between XXXX XXXX and XXXX XXXX. Please have XXXX to remove these inquiries from my report.
Product: Debt collection

Upon reviewing my credit report, I noticed that laws were being violated against me regarding these collections. After carefully reviewing my records, I can confirm that these discrepancies are not accurate representations of my credit history. I am disputing owing any and all debts to Southwest Credit Sysytem I am revoking all rights of them communicating with me through email/text or calls. I am requesting this debt be validated. I am requesting the purchase agreement between them and the Original creditor. I am also requesting the Collection agency to furnish proof that they are licensed and bonded and can legally conduct business in the state of Michigan. I have not been provided with validation information under 12 CFR 1006.34 ( b ) ( 5 ) but there has still been a collection placed on my consumer report. I have not been given the chance or opportunity to dispute any and all accounts associated with the company according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) The collection Agency is violating my consumer rights by using false and misleading representation and deceptive practices/means. Collection Agency has no authority to furnish any account to a consumer reporting agency without providing any and all disclosures required by law and hence in violation of 12 CFR 1006.34 ( d ) and code 15 usc 1681-s2 ( 7 ) ( A ) Thank you for your prompt attention to this matter. Section 623 ( a ) ( 8 ) : This section requires furnishers of information ( such as creditors and debt collectors ) to promptly investigate disputes forwarded to them by the credit reporting agencies and report the results of the investigation back to the agencies. These are some of the key provisions of the FCRA that govern the process of disputing inaccuracies on credit reports and ensure that consumers have the opportunity to correct errors and maintain accurate credit information. 

Southwest Credit Solutions is involved in several lawsuits for violating the rights of consumers.
Product: Debt collection

I have received " this is a notice to collect a debt '' in regard to XXXX XXXX XXXX XXXX, informing I have/had debt with them. I requested documentation per 15 U.S Code 1681b, in which I have NEVER received any information or communication from them. I have received a judgment from XXXX XXXX XXXX informing garnishment of wages, on behalf of XXXX XXXX XXXX, whom also did not send or notify me of any alleged debt. NO ONE of 4 parties, including a company of XXXX XXXX XXXX XXXX who also did not send documentation upon request. This alleged debt seems to have gone through several agencies without my knowledge from the original creditor XXXX XXXX XXXX XXXX, and now XXXX XXXX XXXX are trying to collect and sue me for something I have no knowing of. XXXX XXXX XXXX is also trying to collect debt on an account with Citibank, which was possibly sold to XXXX XXXX XXXX XXXX XXXX in which I had no knowing of either. 

Creditor Acct # : XXXX XXXX XXXX / XXXX XXXX # : XXXX {$5400.00} XXXX XXXX XXXX XXXX XXXX ( UNKNOWN AMOUNT ) Creditor Acct # : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX {$2600.00} Please be mindful, 15 U.S. Code 1692g-Validation of debts and 15 U.S. Code 1692e-False or misleading representations. 

The following bureaus XXXX, XXXX, and XXXX are also in violation of my rights due to furnishing such information upon not verifying in due of the proper channels and procedures. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( a ) and 15 U.S. Code 1681e ( b ) accuracy of report. 

All parties will be mentioned in regard to the appropriate account number/info I have thus far. Upon listed on my credit report.
Product: Student loan

To Whom it May Concern : My complaint is against my loan service providers XXXX and NELNET. XXXX ( XXXX XXXX XXXX XXXX NY, XXXX. ) recently transferred my loan to NELNET. XXXX XXXX. XXXX XXXX XXXX, Nebraska XXXX ). I received a letter stating I was 75 days past due on my account. XXXX previously approved both an unemployment deferment and an income based deferment. Therefore I am disputing the status of my account ant the amount owed.
Product: Mortgage

I just received a letter on Monday XX/XX/2021 informing me my mortgage has been sold from XXXX to XXXX XXXX. The letter was dated XX/XX/2021. I was not provided the required 15 days notice from my current mortgage servicing XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I recently found collections tsi on my credit file however this account is not in collections because it was paid to the original company XXXX XXXX
Product: Debt collection

I, XXXX XXXX XXXX am disputing the ownership of account # XXXX that is being reported on my credit bureau accounts. 
This is being reported in two instances under XXXX XXXX XXXX and LVNV funding with the same account number, but different mailing addresses. 

I have no knowledge of either of these. 
Nor was I provided with documentation to prove ownership of the account. 
Secondly, I was never provided notification or given the chance to dispute this account before it was added to my credit reports. 

If these accounts are not verified with original documentation with signatures. Or proof that notice was sent to me to alert me that had 30 days to respond to the claims I would like these accounts removed from my profiles immediately. 

I have provided copies of the letters that I sent to the bureaus asking to remove these accounts but they have not taken action thus far.
Product: Checking or savings account

Upon seeing a promotion on its website for up to XXXX cash bonus to open a Citigold account, I submitted an account application on XX/XX/XXXX. I understood that I need to have at least XXXX in the account within 20 days. XXXX did I know 20 days would include weekends, and I could not fund the account until I receive the debit card for my new Citigold account. There is no Citi Bank branch in my city. The debit card took at least 10 days to arrive at my house. Then I had to enter XXXX small transfers from my XXXX account to verify the account. Then there was a maximum transfer limit of XXXX per day. My Citigold account reached XXXX on XX/XX/XXXX. They said I didnt qualify for the bonus even after I explained the process of funding my account with XXXX as an online customer within 20 days, weekends included, turns out to be an unreasonable requirement. When I spoke with Citi Bank representatives about my situation, they informed me that phone-in customers have 30 days for the same promotion. Why that not available to online customers? I faced as much hurdle as a phone-in customer. Citi Bank needs to get this corrected.
Product: Money transfer, virtual currency, or money service

On  XXXX   XXXX ,    2016, I aut horized a wire transfer in the amount of {$9000.00} plus a {$35.00} wire transfer fee, to an overseas account. Upon second thought, I called the local Citizens branch where I authorized the wire transfer, withi n thirty min utes of the transfer request, requesting to speak with  XXXX   XXXX   XXXX  to request him " to send a fraud claim to stop the wire ''.  XXXX   XXXX  asked me " do you want to stop the wire? ", I responded " yes I want you to stop the wire with a fraud claim. He asked me " Do you want it to go through '', I responded " Yes, the fraud claim, thank you. " While the Wire Transfer Requests states that I must call  XXXX  to cancel the wire within 30 minutes, there is also Clause No.  XXXX  stating " In addition to the right of Customer to cancel the transfer within 30 minutes of authorizing the transfer, you may also instruct the bank to cancel the transfer after the 30 minutes period has lapsed, provided the cancellation instruction is received by the Bank at a time and in a manner affording the Bank a reasonable opportunity to act prior to the bank 's acceptance of transfer. '' I also emailed the branch on  XXXX   XXXX ,    2016 wit h a repeat request to transfer the wire. The overseas account was discovered to be a scam, but my money was transferred to this account despite my numerous attempts to request a cancellation of the wire. I have contacted several individuals through the local branch where the wire occurred, and my Attorney is now in contact with the  Office of the Chairman. D espite evidence and records supporting my claim, Citizens is still refusing to refund my wire transfer because I can not " prove '' that I requested the wire be stopped during my call on  XXXX   XXXX  with the local branch office.     Additionally, I did not receive any confirmation or follow up relating to whether the wire was even sent to the overseas account ( as I have received in the past with other wires I have conducted ). It was only after several inquiries with the branch that I was told the wire did occur and the money had already been removed from the overseas account.
Product: Consumer Loan

I have a large loan with Wells Fargo Bank. I have been paying on the loan for many years and it has a 'balloon ' payment due in XX/XX/XXXX. It will be about $ XXXX. I do not have the resources to pay off this loan in full. I sent letters to Wells Fargo asking that the loan be restructured/modified so that I can continue making payments. I made a proposal for a workable payment amount. I also offered to 'settle ' the loan for something less than the balance owing. Wells Fargo has declined to provide any help stating " that your financial situation precludes Bank from making a counter proposal. '' My financial situation is that I have exemplary credit and a high credit score. That does n't mean that I have {$70000.00} that I can give them in XX/XX/XXXX. That is why I reached out to them more than a year early. I need someone in Wells Fargo 's organization to work with me. When I asked the vice president I was talking with what they would do if I could n't pay off the balance, she told me they would hand the account over to their attorneys.
Product: Debt collection

Collector has been calling my mobile device without pause. Within 15 minutes there is already a cue of over 20 missed calls on my phone. My phone continues to ring ( adding at least two more calls to the previous number ) since I 've began typing this complaint with no indication of ceasing. The call comes from number, XXXX.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and to request an immediate investigation into the fraudulent activities associated with my personal information, SSN. The accounts listed in the affidavit are fraudulent. I have not authorized these derogatory and erroneous accounts, which are the result of XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My personal information has been exploited by a scammer for financial gain. I am seeking your assistance in conducting a thorough investigation and taking prompt action to rectify this matter. Upon discovering the unauthorized activity and receiving related mail, I took immediate steps to protect my credit files and identity to prevent further damage. The FTC Identity Theft Report is the primary document that I have for the fraudulent information on my credit reports. I Will be Going Legal. 
Pursuant to the provisions of the Fair Credit Reporting Act ( Public Law 91-506, Title VI, Section 611 ), I am formally requesting the names and business addresses of each individual or entity you communicated with for verification purposes in relation to the fraudulent transactions identified in my credit report. This request aligns with my right to follow up on the information provided and to aid in the investigation of the identity theft. I need to know how the credit reporting bureau verified my identity in this instance. I am requesting copies of the original ( wet ink ) signature applications and any proof used to verify my identity. I have repeatedly explained that I did NOT authorize nor am I responsible for this derogatory, erroneous accounts : 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 The accounts were opened without my consent, I have never authorized any agreements. The presence of the fraudulent accounts on my credit report is unacceptable. I am concerned about the negative impact the unauthorized account has had on my credit report and overall financial standing.
Product: Debt collection

**To Whom It May Concern, ** I am writing to formally lodge a complaint against the law firm Suttell and Hammer P.S., whom I believe have violated my rights under the Fair Debt Collection Practices Act ( FDCPA ) and Washington State law.

XXXX is there contact information # # # **Details of the Complaint : ** 1. **Lack of Debt Validation : ** - Despite my request for debt validation, Suttell and Hammer P.S . have failed to provide any documentation or verification of the debt they are attempting to collect from me. Under 15 U.S.C. 1692g ( b ) of the FDCPA, they are required to cease all collection activities until they provide proper validation. Instead, they have continued their collection efforts without fulfilling this legal obligation.

2. **Failure to Notify Prior to Filing a Lawsuit : ** - Before filing a lawsuit against me, Suttell and Hammer P.S . did not send any written notice or documentation to validate the debt. I was not given any opportunity to dispute or resolve the matter before legal action was initiated. This failure to notify me properly before filing a lawsuit is a violation of my rights.

3. **Aggressive Collection Practices : ** - Suttell and Hammer P.S. have pursued aggressive legal actions without providing the necessary proof of the debt 's validity. Their actions have caused significant distress and have led to a situation where I feel my legal rights have been disregarded.

# # # **Request for Action : ** I request that the CFPB investigate the practices of Suttell and Hammer P.S . to determine whether they have violated federal and state laws in their attempts to collect this debt. I also seek guidance on how to proceed to ensure that my rights are protected and that any unjust actions taken against me are corrected.

I am happy to provide any additional information or documentation necessary to support my complaint. 

Thank you for your attention to this matter. I look forward to your response and assistance in resolving this issue. 

**Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 : 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 Account Number : XXXX  and 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.