23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XXXX XXXX2022 by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX XXXX XXXX XXXX {$230.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX,2022 is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more.

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Product: Checking or savings account

Went to bank and had cashier check issued. Bank double withdrew the funds causing my account to become XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX I had {$170.00} taken out of my account from XXXX. I am not sure who this merchant is, I have contacted them and they have no record of the transaction and told me to contact my bank. I contacted Chime on XX/XX/XXXX to report the transaction as unauthorized since XXXX was not refunding my money. I opened a dispute with Chime and told them all the info. On XX/XX/XXXX I got a notice that Chime denied my dispute but didn't say why so I called them and was they reopened my claim but did not tell me why it was closed. They said they would request documents and send them to me in XXXX business days. On XX/XX/XXXX when the XXXX claim was opened I e-mailed Chime all of the e-mails that I have had between myself and XXXX where they state they don't see the transaction and can not refund me and I have to contact my bank. On XX/XX/XXXX I received another e-mail from Chime that my claim was closed again. I called in and was told the same thing, that they didn't know why and that they would reopen the claim and request the documents and send them in XXXX business days. They reopened my claim and then immediately denied it with no explanation. This is not the first time this has happened, I have filed disputes in the past that were declined and no reason was given. This is unfair, there was an unauthorized transaction on my account and Chime is refusing to do anything about it. No one will tell me why they are closing my disputes over and over again. Meanwhile I am out {$170.00} because Chime won't help me. 
On XX/XX/XXXX I received an e-mail from Chime stating they are providing me with the documents used to decide my claim but all it is is the proof that I sent to them and the questions that they had me answer. There is nothing from the merchant and nothing that says why my dispute was denied.
Product: Credit reporting or other personal consumer reports

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were XXXX  % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure
Product: Checking or savings account

Truist Bank mishandled over {$300000.00} dollars in funds and I have in my possession a screen shot of a check and deposit slip from another customer of Truist. My business account ended up negative - {>= $1,000,000} which in turn my book keeping service and XXXX XXXX flagged me as fraud and would not release any of my wire transfers to my bank. It took over a week of back and fourth to resolve this issue. I was advised by Truist via phone call ( after being transferred multiple times and ending up in the fraud department ) to go into the branch where this took place because they could not resolve it on their end. 


I was told I could not even speak to the XXXX XXXX due to having a full schedule and leaving for vacation the next day and to set out an appointment WEEKS out. After stating I was not leaving until this matter was handled XXXX XXXX brought me in her office and after sometime the XXXX XXXX did join us. The XXXX  XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX  XXXX XXXX refused to write me any type of letter that this was a banking error and told me not to call corporate. Both woman had said very similar things to me when both parties were not present even after XXXX XXXX could not stress enough that she no idea this happened and I do believe they are doing something illegal by the way they treated this is situation. They both used gaslighting and manipulative techniques to avoid me going to the police or a lawyer about this. XXXX visible looked distressed when I told them I had pictures of checks and deposit slips. After I told them I would refuse to leave without them taking some sort of responsibility for this they wrote me a letter but did NOT include all charges and said that was the best they could do. I asked why I wasn't called or told what happened with my account and XXXX told me that I was called. I missed the call the day before approximately XXXX and when calling it back they did not have a voicemail set up and they did not leave a message. My guess this was done on a personal line. 

This was the most bizarre and unprofessional encounter I have ever had. They did correct my bank account that day, but I still have a very bad feeling about all of this. I have multiple screen shots of all XXXX charges, a check written from XXXX XXXX for {$170000.00} and the letter they wrote. Again, I can not stress enough that this was the most unprofessional and insane meeting I've ever had at a business. 

I did receive a phone call from XXXX XXXX at Truist bank after summiting a claim to the Florida Attorney General 's Office and here is the Case # XXXX. However, I just saw the email from XXXX XXXX XXXX XXXX XXXX XXXX stating this : " In addition, we encourage you to contact the Consumer Financial Protection Bureau ( CFPB ), a federal consumer agency which reviews complaints about banking issues and consumer financial products and services. You may reach the CFPB at ( 855 ) 411-2372 or http : //www.consumerfinance.gov/ '' I am just trying to do the right thing so this doesn't happen again to someone else.
Product: Debt collection

XX/XX/XXXX provided the service of labs that were over priced. I did not know the cost of the labs before they were done, and in XX/XX/XXXX I wrote as requested, and they keep sending me notices. Below is my correspondence : We do not want XXXX or anybody else to contact us on this bill anymore. We did call as stated below We called XXXX wanting to pay A reasonable amount at 100 % of Medicares allowable for the lab procedure at {$23.00} but the operator said they can make no adjustments When we received the request to have a lab procedure we were not presented with the {$93.00} charge so we are overwhelmed by the amount and so we researched and found that this type of surprise billing is something thats not supposed to happen. So we researched and we would like to pay As stated above {$23.00}. 

But the operator said they can make no adjustments
Product: Mortgage

I'm XXXX with a XXXX  XXXX, my husband recently passed.and I was affected by XXXX  XXXX. I requested mortgage forbearance and mortgage assistance several times with my mortgage servicer. I was in a forbearance and my servicer tried to foreclose on my home XX/XX/2021 I was in the forbearance. I feel Fay Servicing is discriminating against me because I'm XXXX. I have income to pay my mortgage, they are difficult to work with. My Account Manager will not return calls, customer service gives me misleading information regarding mortgage assistance and the foreclosure sale set again for XXXX. I'm hurt and disheartened by Fay Service unethical servicing practices and the run around. I'm being forced out of my home by my servicer and the Account Manager. My home is listed for sale. Submitted short sale documents and MLS Listing to Fay Servicing to be processed. I have requested again the property foreclosure sale be canceled because of me selling my home but they refuse to stop foreclosure sale. XXXX XXXX is the Account Manager, she will not response to calls and she refuses to assist me. Fay Servicing LN # XXXX
Product: Credit reporting or other personal consumer reports

Violation of 15 usc1681ie ( b ) 15 usc 1681i ( a ) Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
Product: Credit reporting or other personal consumer reports

This is my Repeated request that I have been the victim of identity theft and no one seems to care, that I want to dispute certain entries in my credit file that are not mine, or that I have signed any agreement. The things I'm disputing have nothing to do with any transactions I've carried out or given consent for in order to obtain goods, services, or cash. Please take the following things away : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Hello Sir/ma'am, this issue is in direct relation upon termination or closure of a checking account through contract work involving social media I completed for s client and they mailed a check. Upon becoming aware of the unexpected issue with the deposit, I was immediately consumed with a mix of confusion and concern. At the young age of XXXX, my world was predominantly framed by school, family, occasional job, and occasional freelancing work, with banking intricacies being far from my day-to-day experiences. Being a XXXX my exposure to the broader financial world was limited, and my ability to discern complex financial malfeasance was understandably undeveloped. The individual who provided the fraudulent check was someone I had completed freelance services for, in relation to social media marketing, and the work I undertook was carried out with sincerity and dedication. Given the professional nature of our interaction and the tangible services I rendered, the thought that the compensation could be anything but genuine never crossed my youthful mind. In accepting and depositing the check, I acted in good faith, based on the trust I placed in the person who I believed was compensating me fairly for my efforts. At the time of the incident, I was merely XXXX XXXX XXXX. At such a young age, my understanding of banking and financial transactions was minimal. My age made me vulnerable to such deceit, and I genuinely acted in good faith. I possess a contract between the lady who commited fraud against me, and you, that being XXXX XXXX XXXX and myself. This document outlines the nature of the work, its duration, and the agreed-upon compensation. In addition my association with NFCU is not just personal but familial. My fianc, brother, and mother have all trusted NFCU for their banking. Their enduring and positive relationship with the institution was a significant influence to bank with you. They stand by me in this situation, ready to attest to my character and our collective commitment to NFCU. Recognizing the necessity to bridge my knowledge gaps, I enrolled in financial literacy courses and financial fraud prevention measures. This proactive measure illustrates my dedication to preventing similar misunderstandings in the future and my earnest intent to grow from past experiences. Again, just to re-iterate, this was not a purposeful attempt done on my part, but was done in good faith, and since then I have refused to accept any form of payment as mentioned previously and now utilize Stripe for freelance services, and I have a career in security and tech. Based on the foregoing, I respectfully request Navy Federal Credit Union reconsider the decision in place and vacate the previous decision. See the attached documentation for reference through the government portal. I want to work with NFCU to build a relationship just as my mom, brother, and fianc have.
Product: Money transfer, virtual currency, or money service

In XX/XX/2021 my Coinbase account was locked by my request after I received some phishing texts claiming to be from XXXX XXXX. When I made attempts to contact customer service to verify my funds were safe and reopen my account on XX/XX/2021 I received auto responses from Coinbase stating my case would be reviewed in 4-5 days. Since then I have received no cooperation or help from Coinbase. Their email I was referred to by the automatic response XXXX does not seem to be a working email for customer service. There seems to be no possible way to contact anyone directly at Coinbase for assistance and this was found to be a wide spread problem. They now have custody of over {$3000.00} worth of crypto currency and have locked me out without any type of resolution. They have also made it impossible for me to open the app from my XXXX. Please help.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - Inquiry In Dispute XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - Inquiry In Dispute XXXX XXXX XXXX  - - Inquiry In Dispute Derogatory Items Derogatory Items : 1 Account Name EQUIFAX XXXX XXXX Issue Action XXXX XXXX - XXXX XXXX XXXX XXXX Was 30 days late 1 time ( s ). Was 30 days late 1 time ( s ). Was 60 days late 1 time ( s ).

In Dispute I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I presume that no Proof of the alleged debt, nor therefore any such debt, in fact therefor exist
Product: Debt collection

I have no knowledge of this debt and who this company or who there client is. I sent a debt validation letter via certified mail and have received nothing except a letter stating that I have never responded to them and that they now threating that they will report this information to all three credit reporting agency. I have pulled my latest reports and they are indeed reporting this invalidated negative tradelines to all agencies even though it's disputed and I have received nothing to validate this debt from them. I have attached the certified mail receipt sent on XX/XX/2018 as it relates to my response to this firm asking them to please validate, I even outlined the specific items needed to validate this unknown debt and I have received nothing.
Product: Checking or savings account

On Saturday XX/XX/2020, I made a cash deposit at the authorized TCF ATM location at the amount of {$500.00}, one I made the deposit I was expecting to receive a receipt. Instead of receipt the ATM screen said the transaction can not be complete. It did gave me my card back, no receipt, no money, all I got was empty screen with a phrase the transaction can not be complete. 

Reminder I deposited that {$500.00} in cash because I need this money to cover my bills that I already mailed. 

XX/XX/XXXX I made a call to TCF Bank to let them know about what happened, gave them the address oh the ATM, explained that that I need the money deposited as soon as possible, because i have already paid my bills! If I I have known that the ATM was broken I wouldnt use it. The lady told me Ok, the case is open we are gon na investigated XX/XX/XXXX I am calling back TCF Bank to inquire about my money, my bills need to be paid! TCF Bank Representative : We have not updated for you, the investigation is pending XX/XX/XXXX I am calling TCF Bank to inquire about my money, panicked! TCF BANK REPRESENTATIVE : Investigation is still pending, it may take up to 5 business days for us to know something Me : I need to pay bills, I dont have money for insufficient funds! I am not working! TCF BANK : you may have to pay fees when the checks you wrote clear me : But you have my money? I didnt do anything wrong! 

They have stolen my money! What am I to do? I dont have any more money, that XXXX was to cover my bills! Help me please!!!
Product: Credit card or prepaid card

I have called Capital One to dispute this charge and explained I was supposed to receive prescription glasses. I also explained that it took over four months to get any glasses and several emails to the company. What they sent where neither real XXXX glasses or prescription glasses. I have tried and tried to resolve with the company. When I originally called I was told this would be taken care of by Capital One. Then it was posted back to my closed account? I was told to send a letter to them which I did. The letter to capital one is attached and now they are stating that the charges will stay on a closed account? I will not pay for reading glasses i could have bought at XXXX. I will gladly send them back to the merchant if you can find them and get a return address.
Product: Debt collection

For WAKEFIELD & ASSOICAT DEPARTMENT # XXXX XXXX, TN XXXX XX/XX/scrub> 2024. I have no knowledge of and refuse to pay this debt of ( {$1200.00} ), this Collection of ( {$1200.00} ) needs to immediately be remove, that I AM NOT familiar or have any consent of this so call debt at all, meaning my information was sold to a third party resulting in identity theft! I, XXXX XXXX XXXX XXXX XXXX XXXX on behalf of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RIGHT RESERVED WITHOUT PREJUDICE!
Product: Payday loan, title loan, personal loan, or advance loan

I reached out to XXXX at the end of XXXX to talk to someone about my payments, because we had some unexpected home repairs that made money extremely tight. I asked to push my monthly payment out a couple weeks to ensure I had received another paycheck before the payment pulled again. XXXX agreed to put me on their Catch Up Plan which we agreed upon payment amounts and dates, to ensure I stay caught up on my loan. I made a payment on XXXX and another payment was/is due to come out on XX/XX/year>. 

I started receiving late notices from XXXX saying I was behind on payment so I called ( sometime during the week of the XXXX, to talk to someone about these, as I was under the impression I was squared away with my Catch Up Plan. I was told that I was behind and that I would need to make a payment before the XXXX, or I would be 30 days past due. I explained to them that this had been approved prior and I wasnt expected to make payment until the XXXX. And then another payment every 22 days after. 

XXXX was unable to adjust or help me in any matter. They apologized that it was amortized wrong and that I needed to at least make a half payment or I would be reported to the credit bureaus. 

I am now being reported past due to the credit bureaus and my XXXX XXXX went from XXXX to XXXX in a matter of days. I have had XXXX other late payments or issues in years. XXXX extremely frustrated and think this is super misleading.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion along with XXXX, XXXX, XXXX, and XXXX all have been notified stating to please remove all other addresses off my report, as they are not deliverbale to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. 

15 U.S.C section 1681s-2 ( a ) Duty of furnishing of information to provide accurate information.

( 1 ) PROHIBITION ( a ) Reporting information with actual knowledge of errors A person shall not furnish information relating to the consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( B ) Reporting information after notice and conformation of errors A person has been notified by consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and info is in fact inaccurate