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

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be updated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XX/XX/20XXXX 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, credit repair services, or other personal consumer reports

I have 8 inquires on my credit reports from companies i never did business or re-apply for any other services from them on my XXXX I have 5 companies i never gave permission on did any business with XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX. XXXX i have XXXX, XXXX, & XXXX also same companies are on my Experian XXXX, XXXX XXXX XXXX so i would appreciate your assistance in getting these companies remove from my credit report thank you XXXX XXXX
Product: Debt collection

Convergent Outsourcing a debt collection agency has an unknown debt on my credit report. I have written multiple 609 letters and debt validation letters asking them to validate this debt to me by showing the proper proof this is my debt or remove it from my credit report. They have failed to provide any documentation and I have no knowledge of this debt. Nor have I given my personal identification to this company or the creditor they are representing. Also this same debt is being reported on my credit reports twice. Please have this debt removed from my credit reports as per consumer law they have not legally validated this debt and are inaccurately reporting to my credit reports.
Product: Credit card or prepaid card

!!!! THIS IS NOT A DUPLICATE COMPLAINT!!!! 
I have two complaints about this bank 1- This bank processed a payment {$990.00} un XX/XX/XXXX from my bank account without my authorization After signing an Covid 19 Hardship agreement almost 2 weeks before, I agreed to schedule automatic payments of XXXX every month for 12 months. It doesnt make any sense that I sign an Hardship agreement to reduce my payments to {$110.00} dollars for 12 months and then I authorize them to take from my checking account XXXX dollars. 

2- The hardship contract say that after first 3 consecutive payments of XXXX dollars they will delete all my late payments fees. But I called them they said that is not like that, they will removed late payments fees only for 3 months. 


about XX/XX/2018 We open an account with XXXX XXXX thru Comenity Bank, The credit limit was XXXX, We used the full XXXX dollars, at that sign up with a promotion if we paid the full amount by one year later they will not put interest charges on the loan. After the first year we couldn't pay the total XXXX dollars. So after the first year the started applying I think 24 % of Interest Up today, after 2 years, I had paid about XXXX dollars, so the balance will be XXXX - XXXX equal XXXX plus interest and late charges of course. This month I find out that the balance on this Account is XXXX, making some easy numbers on this process, they are charging me extra XXXX dollars, I think this amount its completely exaggerated after 2.5 years after opening the credit. Today I called them to ask them to reduce the total amount, because due to the coronavirus me and my wife are not working, the denied, they put me on a special plan, that reduce my montly payment to XXXX and charging for 12 months only XXXX per cent. The promised me to remove the late charges, after the call there is a recording saying that after 3 consecutive payments the late charges will be remove. but after I called them again the denied that, that will be removed only 3 late payments. Any way, they are lying, because they are saying only 3 months on the recording that hear after the call. anyway, I dont think that adding adding XXXX to my debt its 100 % exaggerated, I think they are not going by the law. Please Help me with these people, Please please Thank you XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX at roughly XXXX XXXX, i was at a gas station attempting to put fuel in my car. I had opened up my robinhood account to verify i had available funds and i noticed a banner at the top stating that my account was restricted and my funds were locked, no more deposits or withdrawals were allowed and that my account has been closed. I had made a significant amount of trades the pevious 3 days and used the card with no issues. This has been my bank for direct deposits, paying bills, buying groceries and anything else. The only responses i get when reaching out to customer support is " we have decided to close your account ''
Product: Credit card or prepaid card

In XX/XX/XXXX I had several unauthorized charges made to my account- I worked closely with Citi Bank but finally right before XXXX I was told that I would NOT be compensated for the unauthorized charges which were a little over 1,700 - their reasoning was that I was honest and said I never lost my card and since it was a chip card and they say it was swiped they say I am lying that I made the charges- I have requested several times since then - most recently during the phone call during my last complaint for proof that they validated the charges using camera footage or by comparing the receipts ( in XX/XX/XXXX they requested a copy of my DL to compare and it was sent immediately ) during this most recent conversation I was told that they did not have to tell me if they validated the charges- which I know is not correct - I am asking for assistance- I am not trying to get out of the money I spent just get assistance with the money that was not authorized
Product: Checking or savings account

I am writing to file a formal complaint against Truist regarding their unauthorized maintenance fees charged to my account despite assurances that I would be exempt from such charges, since I was being ported to a another account type that does not have these fees. 

On numerous occasions, Truist has levied a maintenance fee of {$12.00} against my account, despite consistently maintaining a sufficient balance in my savings account to waive these fees. My combined savings and checking balance was significantly in excess of the {$1500.00} they claim I needed to maintain, again, despite being told that my new account type does not carry these restrictions. Despite repeated attempts to rectify this issue, the problem persists, causing undue financial strain and frustration. This blatant disregard for their own commitments is both unacceptable and unethical. 

Moreover, Truist agreed to refund XXXX late fees erroneously charged to my account. While they have refunded XXXX of the fees as promised, the second refund is yet to be issued. Surprisingly, their customer service rep stated that she could not see XXXX maintenance fee charges on my account, when in reality, there were XXXX. Despite assurances that they would promptly investigate and rectify the situation, I have not received any updates or communication regarding the status of this refund. When I contact Truist, I am told that they will have a " supervisor '' look into it and that is that. 

This ongoing pattern of incompetence and negligence on the part of Truist has not only resulted in unwarranted financial losses but has also eroded my trust and confidence in their ability to manage my accounts effectively and responsibly. 

I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and ensure that Truist is held accountable for their actions. I seek a full refund of all unauthorized maintenance fees charged to my account, as well as immediate resolution regarding the outstanding late fee refund. 

Thank you for your attention to this matter. I look forward to a swift and satisfactory resolution. 

Sincerely,
Product: Credit card or prepaid card

Yesterday, on XX/XX/19, an employee at XXXX opened a credit card for me against my authorization. I was making a purchase and the cashier offered to check if an old store credit card was still active. I explicitly told her that I did not want to open a new card at least three times. She reassured me that she was just checking to see if my old credit card was still active. Moments later she printed me a ticket that said : " you have been approved for a TJX Rewards Platinum Mastercard ''. The employee had opened a new credit card with my personal information against my explicit authorization. 

This can not be undone and Its now on my credit score. The store manager was apologetic but said that there was nothing he could do except offer me a {$20.00} gift card. This is unacceptable.
Product: Debt collection

OneMain financial services has manufactured fraudulent documents to seize private homestead, there was never any loan taken by the XXXX at any time in XXXX, I am in possession of numerous fraudulent documents that OneMain financial services has used to seize property that has no lein, XXXX paid cash for property in XXXX, as well as the claim from XXXX is on a Debt they are claiming, that is XXXX old, XXXX past the statute of limitations of Texas, They have obtained property they have no rights to, there are NO wet ink signatures on any documents, and they have never provided any to the courts. 

in XXXX, XXXX XXXX XXXX XXXX provided a Judgement on the property of the XXXX from XXXX, XXXX XXXX did not take precautions to protect sensitive information and for XXXX XXXX XXXX XXXX XXXX XXXX name , dates of birth, complete social security numbers XXXX and complete driver 's license numbers were made available to anyone to access, then XXXX later a fraudulent deed was filed as the information on such deed is questionable not containing witnesses signatures, this must stop, I got the run around last time, so i will expect it to be the same this time, your office has directly affected the safety of a victim of a crime, it's a real shame this is how citizens get treated like criminals and the criminals get a free pass from government entities.
Product: Checking or savings account

On XX/XX/2022. I noticed 2 charges that I didnt make. I called Chime to the dispute the charges. On XXXX XXXX  I was denied. I received an email stating since my card was in possession there was no fraud. I disputed again and was told todayXXXX that it was again denied. I was told to send supporting documents to show I was not in Texas and California where the charges were made. Im a XXXX XXXX on a fix income. This is not acceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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: Credit reporting or other personal consumer reports

these 3 items do not belong to me XXXX XXXX  XXXX Account number XXXX XXXX XXXX  XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX i have attached an id theft report and a copy of my police report
Product: Credit reporting, credit repair services, or other personal consumer reports

Representative acknowledged they has the wrong contact information -except email-which was how the individual was initially contacted back when account was sent to RDAC. 

RDAC sent account to credit report without notifying intent to do so per federal law of a 14 day notice which requires a debt collecter to speak to individual directly, send electronic communications, or mail individual notice. Even after, individual reached out to company multiple times to reset password to portal-without willingness to do so. RDAC did not up date phone number, which changed later part of XXXX, or mailing address when requested. Account is current and would like the account removed from credit report due to violation of federal law credit reporting requirements.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing XXXX XXXX XXXX XXXX I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of identity theft.
Product: Debt collection

On XX/XX/2024, I wrote to XXXX XXXX to indicate I had been making payments on the credit card to the creditor, Bank of America, while my account was in collections at XXXX XXXX. XXXX XXXX sent me the attached letter and CFPB closed the dispute before I could respond. I have proof that I have made payments directly to the creditor, Bank of America, that are not included in the list of payments that were received by XXXX XXXX This means that there are a set of payments that have never been applied to my credit card account. I have attached the list of payments provided to me by XXXX XXXX, which were received by them. However, in this list, there are payments ( which are also individually attached ) that are not included in this list. This means these payments were never applied to my balance. I want these payments applied to the balance and this account should be taken out of collections, because I was making these payments when this account was transferred to XXXX XXXX. It is illegal or this account should never have been transferred to XXXX XXXX while I was making my payments to Bank of America.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proces + was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redres for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX from DG FUNDING called me. Offered to help me refinance and remove XXXX XXXX. I asked for mortgage rates, which she would not provide, asked for bank statements and tax return. I told her I did not want to do that without know what rates where, she said it depended on what financial proof I had. Reluctantly I provided bank statement and tax return. She never asked if she could run my credit report and she did. 
I saw it on my credit report and asked why, she exclaimed she had to, but I did not give authorization. XXXX XXXXDOLAN GADDI is what shows for inquiry. 
I do not believe its right for any institution to be able to run your credit without authoriztion. 
I was not eve sure if I was ready for a loan, sure I wanted one when rates where low. But not sure now, thats why I asked for the interest rates. This company is aggressive and I think they are just predators.
Product: Mortgage

During the transfer of my loan from my loan originator, XXXX XXXX XXXX to Pacific Union, there was a miscommunication that has resulted in an unnecessary increase in my monthly mortgage payment. When I closed in XXXX of XXXX with XXXX, my mortgage payment was {$910.00} a month. While the loan was being transferred, Pacific Union Financial instructed my loan originator, XXXX XXXX XXXX, to hold half of my escrow from when it was set up at the closing plus the first mortgage payment I made in XXXX XXXX to cover the 1st half of property taxes due in XXXX XXXX and the first mortgage insurance payment to HUD. Instead of following their own instructions, Pacific Union Financial decided to make the 1st half of tax payments due in XXXX XXXX and this caused my escrow balance to go to a negative balance. Also, my homeowners insurance quote I received at closing ( {$480.00} ) and the final amount for the policy ( {$710.00} ) changed several months later. When my mortgage servicer performed their escrow analysis in XXXX XXXX, they miscalculated the amount of homeowner 's insurance and the shortage in my escrow account due to Pacific Union Financial paying the property taxes earlier than they had agreed. I have attempted to get this resolved internally with the escrow department but I do not seem to be getting anywhere for someone to properly research the issue. This has caused my payment to rise to {$990.00} a month to make up the difference in my escrow account. I fear that once my local county tax commissioner 's office sends out the tax bill for this year ( XXXX ), there will be another issue because my tax bill will be reduced from the previous year. If you need to reach me for further assistance please contact me at XXXX
Product: Debt collection

Consistent calls every day over the past few years. I've tried to resolve this in the past and it continues. I've had to resort to paying for a call screening service to filter out their calls. I have no unpaid bills, and I don't know how to see if they've hit my credit
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these items. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, MD XXXXXXXX XXXX XXXX XXXX Balance : {$510.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX XXXXXXXX Balance : {$610.00} XXXX XXXX XXXX Balance : {$11000.00} XXXX  XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX Balance : {$700.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : 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
Product: Checking or savings account

On XX/XX/XXXX I went to us bank branch in fedral way wa to close my checking and saving account because I moving to XXXX and us bank they don't have branch where I'm moving .so they issue me XXXX cashier chicken XXXX for my saving account the amount XXXX and the chieck number XXXXthe anther cashier chiech for the checking account the amount XXXX the chieck numberXXXX.some how I lost these XXXX cashier checks luckily I still have coumstmer copy with me .I called the bank on XX/XX/XXXX to let them know I lost these XXXX cashier chieck .the right away put stop payment for these XXXX cashier chiecks .and they told the bank have to send you paper declear you lost these XXXX cashier checks and they told me I have to sign this paper and notarized .and the bank told me I have XXXX to XXXX business days to receive this paper declaration .so I waited XXXX business days the paper never came .I called the bank back on XX/XX/XXXX to let the bank know I still not received these paper .the bank told me properly these paper lost we will send you anther XXXX and you have to wait XXXX XXXX to XXXX business dayes I told the bank I don't have money now can you email me the form the bank say no it's got to be by regular mail.allso I conform with bank they have my right addres.so I wait anther XXXX business days the paper never came .I called the bank on XX/XX/XXXX to let them know I still not received the paper .the bank told me again they will send me anther XXXX and now XX/XX/XXXX and I still not get this paper .I need you to help me please to get my money I work realy hard for it I'm have a lot pain from this issue I'm not have money to buy food or pay my bills
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX  XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX , has violated my rights. 

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

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

I have tried several times to dispute the inaccurate information as this accounts not mines. The credit bureau and collection agency have failed to remove the account and have not provided me with any proof that this is my account. I have no knowledge of this account.
Product: Credit card or prepaid card

On XXXX XXXX, my Barclaycard Arrival Plus credit card was stolen and I had {$970.00} fraudulent charges on my account, with a few thousand more charges declined by the bank. I initiated contact with the bank immediately after I saw the fraud alert message received on my phone, confirming through texting that I did n't perform those transactions. I was told by a customer associate that I would not be responsible for all fraudulent charges. However, after I week, I received a call from the Fraud Detection Department telling me that because those charges were cash advances so they would not reimburse me for those charges.
<P/>
Even though with my police report and other supporting documents proving that those transactions were fraudulent, the bank refused to offer me help and instead put those charges with fees and interests on my account, totalling {$1000.00}. I have made contact with Barclaycard Fraud Detection Department several times without further progress. One supervisor called XXXX initially promised to get back to me within the same day on XXXX XXXX. However, despite calling him leaving messages multiple times to initiate discussion and figure out the reason for rejection, the supervisor never called me back!
<P/>
According to the information provided by Federal Trade Commission, under Fair Credit Billing Act, my liability as a customer for unauthorized use of my credit card tops out at {$50.00}. However, Barclaycard refused to accept my evidence of fraud, and follow the federal law to take those fraud charges out of my account. Their process of dealing billing dispute is also flawed and unfriendly. Not only that I received conflicting information from their customer associates via phone, I was also not treated with respect - the supervisor never responded to my message. Furthermore, the zip code of their address for sending a claim form is actually incorrect - one staff in the post office told me that they put wrong information on their form. I have completed lost trust in Barclaycard and Barclay Bank Delaware and would like to seek help from federal customer protection agency.