23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX : Intent to file lawsuit, no response for Validation documentation. 


Account # XXXX Balance {$20000.00} To Whom It May Concern : Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received no response from them and/or no proof to validate their claim. 
They have broken the law by their non response within the time period allowed by law. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this erroneous claim. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
Product: Credit reporting, credit repair services, or other personal consumer reports

Nexis Lexis reported to my new insurance company XXXX XXXX that I had two auto accidents on XX/XX/2019, and XX/XX/2019. But I had only one accident on XX/XX/2019. XXXX XXXX passed the buck and gave me the phone number for Lexis Nexis and NO ONE answers the phone, or I am put on hold for hours. After disputing by mail and asking for my report. I am paying more in insurance because of the fraudulent reporting of Nexis Lexis. I also sent XXXX XXXX and Lexis Nexis my  Florida driving record and still was not fixed.
Product: Credit reporting or other personal consumer reports

I have sent numerous disputes to XXXX to dispute the information my credit, but they keep.putting it back on there and I keep getting my scores change to the point I dont qualify for an XXXX XXXX XXXX According to XXXX for the Fair Credit Report Act XXXX XXXX XXXX XXXX  it is against the law to put information on my credit report without my permission. Please remove these items from my report.
Product: Checking or savings account

My daughter has a usaa account. My wife is on both accounts and USAA decided to take an unauthorized {$800.00} transaction to cover my daughters account. Was not told about this, had to see it on my account days later. I called USAA and they said nothing would be done. This bank continues to discriminate against me and probably other veterans and they need to be investigated
Product: Checking or savings account

On XX/XX/2019, I opened a bank account with USAA. My mother, a long-time account holder, eligible based on her fathers military service, helped me do so. 

Between XX/XX/2019 and XX/XX/2019, I deposited {$3200.00} into my USAA checking account and {$550.00} into my USAA savings account, for a total of {$3800.00}. On XX/XX/2019, I was revoked access to my online account portal ; when trying to login, the official USAA app displayed a message instructing me to call. 

When I called that day, a representative told me that my accounts had been closed, that USAA would no longer be doing business with me, and that he was not permitted to tell me why. After numerous phone calls that day, I came to understand that banks are allowed to refuse business to any customer for any reason except discrimination, but are required to return said customers money in a reasonable amount of time. A USAA representative finally confirmed my mailing address and told me that I would receive a check for {$3800.00} within 30-60 days. 

As of yesterday, XX/XX/2019, I still have not received that check. As such, I called USAA to ask when I should expect my {$3800.00} check. The representative told me she could not talk to me. I asked her to connect me with a supervisor. After a short hold she returned to the line and said that she was unable to connect me with a supervisor for the same reason she could not tell me any information about my accounts, and that she was going to end the call. I told her that I would take legal action if she did so. She then hung up on me. 

Thus, I am submitting this complaint against USAA in order to have my {$3800.00} returned.
Product: Credit reporting or other personal consumer reports

My account with the company and i was never late! I have had exceptional payment history with this company and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

XXXX XXXX XXXX ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 

This company never sent The periodic statement along with the disclosures from section XXXX ( b ). 

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Product: Student loan

I spoke with representative and told them that they were mistaken. I have paid all my student loans off in full. I keep getting phone calls from Alternative XXXX programs offering me funds to pay off my student loans which I do not have. Latest date was XX/XX/2021 @ XXXX from phone number XXXX XXXX XXXX XXXX requesting me to call XXXX XXXX XXXX XXXX XXXX for more information or to talk to a representative.
Product: Checking or savings account

On Friday, XX/XX/2022, First Interstate Bank experienced what as called a " server error '' and no funds could be withdrawn. This second time in within a year that this bank has ha major system errors that have resulted in frustrations and poor customers experiences ( see my complaint from XXXX, 2022 ) .Funds were clearly available, but the Bank was denying them to the customer. The tellers ' best advice was to use the ATM machine outside of the bank, which is not available to anyone without a debit card. 

Denial of Funds is obviously a serious issue and First Interstate has a problem with it.
Product: Student loan

I took out XXXX loans in XXXX and XXXX to supplement my federal loans. The total was {$8100.00}. My Dad helped me out and paid the set payment fee for two years ; this was approximately {$80.00} a month split between the XXXX loans. The interest rate has constantly changes around XXXX depending on which loan. It has now been 10 years and I have barely made a dent on the loan. As of XXXX XXXX I was told I would have XXXX more months of repayments-14.5 more years at {$65.00} a month. I am not the best at math but with an interest rate at 4 % I would have {$230.00} in interest a year, {$19.00} a month and yet, when I have been paying {$100.00} a month ( recently ) only {$43.00} knocked off the balance. Where does the other {$57.00} go to? 29.6 % interest? As of XXXX XXXX they started combining the loan information onto XXXX statement. Then I noticed that my payment statement shows the {$100.00} payments but that only {$55.00} has been applied each month. I do n't know where the rest of the money is going to. When you call AES you get mysterious hang ups/long wait hold times over an hour, etc. A person is given the run around. my loan balance is {$5700.00} from {$8100.00} in 10 years of payments! That was {$7200.00} ( at least because multiple payments over the monthly payment due ) in that time period. If my calculations are correct, interest at 4 % on the principal balance to start would have been {$320.00} a year which of course decreases with payments. Even with that, that would be {$3200.00} in interest over 10 years meaning I have paid ( at least ) {$3900.00} off on my loan. Yet, according to my statement I have only paid off {$2300.00}. Please help, I am doing all I can to be responsible but this is disheartening on top of the federal loans I have to shoulder. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized credit inquiry. Fraud..
Product: Credit reporting or other personal consumer reports

XX/XX/year> TransUnions report hard inquiries Report Number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

American Express continues to unfairly deny me a credit line increase for my Hilton and Delta accounts. American Express has claimed the following ; We made this decision for the following reason ( s ) : Based on your credit report, you are or were past due with another creditor ( s ). Based on your credit report, you have to many requests for credit. After speaking with XXXX XXXX XXXX and their Fraud Unit, XXXX said American Express is providing " misleading information '' related to my credit report. XXXX confirmed, THERE ARE NO PAST DUE ACCOUNTS ANYWHERE IN MY CREDIT FILE. XXXX confirmed, THERE ARE NO REQUESTS FOR CREDIT ANYWHERE ON MY CREDIT FILE. American Express is fraudulently claiming there are negative marks on my credit report which prohibit them from considering my credit for a line increase. This is a violation of the FCRA. I am formally filing a complaint against American Express for violating my rights time and time again. XXXX outlined that the information presented by American Express in relation to my score is outdated and not valid. XXXX suggested that American Express ask for or review a current credit report that outlines the facts.
Product: Credit card or prepaid card

Synchrony Bank closed an account that had a perfect payment history, and did so using algorithms that are programmed with bias and error within them. Their actions created damages and I am seeking reinstatement of the account, a written explanation provided to all credit reporting bureaus, and fines and penalties, as I anticipate that this is a systemic issue causing harm and damages to consumers, Synchrony Bank, in taking unilateral actions against my credit worthiness, goes against all messages from XXXX XXXX, XXXX XXXX, and the credit reporting bureaus that had seen my credit score jumping each month. The damages created by Synchrony Bank lowered my credit XXXX score by nearly 7 % and damaged my name and reputation. 

I recently had closed a PayPal account, another SYnchrony organization, because PayPal was using a form of SOcial Scoring, that injected political agenda and bias into credit worthiness and which was being XXXX to seek a social scoring, as is used in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and many other politicians. The social Soring system is in direct violation of FCA and regulations regarding credit.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 at XXXX. I used a Wells Fargo ATM located at XXXX XXXX XXXX ( front facing right ATM ) in XXXX, NC with my XXXX  debit card. I attempted to get a cash deposited to me in the form of {$640.00} with a {$3.00} atm fee. I selected XXXX & XXXX and when the transaction was completed I chose no receipt and the machine when completed gave me my card and only {$280.00} in XXXX came out. As I sat and counted I looked back at the machine and it did not give back the rest of my money. After sitting for a few minutes I panicked and called Wells Fargo and my bank to tell the customer service my issue for a dispute. Although I have to wait 7 days to resolve the issue I have bills that HAVE to be paid immediately and am now stuck.
Product: Credit reporting or other personal consumer reports

Upon reviewing my Consumer Reports, I discovered some instances of late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account : XXXXXXXX XXXX  ( XXXX ) I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these late payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligation without delay. I am trying to get approved for apartments and for a place to live this is hindering me from doing so please help as soon as possible.
Product: Credit card

I am disputing the collection account with XXXX XXXX XXXX account number XXXX dated XX/XX/year>, with a balance of XXXX XXXXXXXXThis account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that XXXX XXXX XXXX, provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.
Product: Checking or savings account

For the second time Wells Fargo today, XX/XX/19, placed a hold on a local check that I get from the same person, same account, same amount, each month, since I have been with WF, about 2 years.This same monthly check from the same bank account for exactly same amount has NEVER returned. I have had checking overdrafts unfortunately but have overdraft protection. Last hold was three months ago.WF held deposit -same checking account as today & same amount & same source- from local bank for TEN days. Main complaint : WF doesnt warn you of the hold until after you have endorsed the mobile check as being payable to WF only.THEN comes the warning about the 10 day hold., TOO LATE! CHECK ALREADY ENDORSED! I cant back out so no warning at all. Never have deposited a bad check. Check from local bank, less than {$800.00}, always clears, no issues from past depositing.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to the lagging posting of charges and credits. This issue aligns with the with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Money transfer, virtual currency, or money service

I am writing to formally concerns regarding Zelles handling of disputes, particularly in light of recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims inadequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicated that Zelle neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety
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, XXXX actions may also contravene the Consumer Financial Protection Act ( CFPB ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File NO. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with the necessary proof of investigation.
Product: Payday loan, title loan, or personal loan

This account of {$1000.00} has been closed as of XX/XX/2012 recorded as paid in full. I have requested multiple times of a removal from my credit report due to it being closed and not reported since it has been 8 years and 8 months and it still shows closed, paid in full on my account
Product: Debt or credit management

I signed up for a debt negotiation program thru Northstar Legal Group and it started ok- I have over XXXX dollars directly taken out of my check each month and nothing has been happening. I feel like they arent even getting my debts negotiated at all. It is becoming obvious to me that this is a scam. I cant even get them on the phone with me.
Product: Checking or savings account

XXXX24 Opened account with Ally and deposited check ( pay check from employer ) via their mobile banking app, time frame for when check would appear in account was 5 working days. 

XXXX/XXXX/24 Balance from check appears in Ally checking account- have yet to receive Ally debit card in the mail however, so decide to transfer a portion of the checking balance onto a prepaid credit card ( XXXX card ) to use for groceries, utilities etc until the Ally debit card arrives. Attempted to do this through XXXX, but hold was placed on the transfer, prompted to call Ally to remove this hold. Did so, but they were unable to remove the hold and ended up restricting my Ally checking account ( and savings account ) also. 

Have called Ally multiple times since, seeking an estimated timeframe for when access will be restored to my account but have not been given any answer. 
I find this unacceptable as all my money is in this account, so I have no means to purchase groceries, pay utilities, rent etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/XXXX I called and confirmed with XXXX XXXX regarding the status of an auto loan I had with them. The representative confirmed that the account is paid in full as agreed and no charge-off status should reflect anymore on my credit reports. However, as of XX/XX/XXXX, the status of the Closed XXXX account ( opened on XX/XX/XXXX ) on Experian shows as charge-off under payment. This is wrong, because it says that dispute is resolved. Either Experian is not up-to-date or the creditor failed to report the right status of payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Online Information Services ( OIS ) repeatedly about the misinformation that OIS has provided to credit reporting agencies. I have contacted them numerous times on the phone as well as by sending them written letters over this incident. They deny that they have provided incorrect information to the credit reporting agencies and they have failed to correct the misinformation on my credit report. 
The main problem is how an alleged debt has been listed on my credit report by OIS. Normally, when an alleged debt is disputed by the consumer, the debt collection agency should list the credit account 's status as " disputed ''. By doing so, the credit score is unaffected by the disputed debt.

However, OIS did not list the credit account 's status as " disputed ''. Instead, OIS listed the debt 's status as " valid '' and simply added the remarks, " Dispute resolved ; customer disagrees ''.

This is not the same thing. By listing the alleged debt as valid but only adding remarks, the debt has severely damaged my credit score.

I have notified OIS repeatedly over the phone and via written letters that I dispute the alleged debt and that the credit account 's status is being reported incorrectly. Nevertheless, OIS has failed to contact credit reporting agencies and update the credit account with the correct status.

As a result of the misinformation provided by OIS, this disputed debt has severely hurt my credit score. Before OIS 's report, my credit score was about 850. Afterward, my score dropped down to XXXX. By law, OIS must correct any inaccurate information that they have provided to credit reporting agencies. OIS knows that information on my credit report is a mistake but they have failed to correct it. I have called them repeatedly OIS about their mistake and they fail to correct the misinformation.

Why does OIS list the incorrect status of a credit account? The most likely reason is that a properly disputed debt would have no effect on the consumer 's credit report. However, by listing the disputed debt as valid, OIS knows that the consumer 's credit score will be hurt. As a result, the consumer will be more likely to pay the debt even if the debt is invalid.

OIS has informed me that it is their standard procedure to deal with all of their alleged debts in this manner. This demonstrates that they not only have incorrectly reported my disputed debt but also have probably incorrectly reported numerous disputed accounts with other consumers. This may have resulted in unfairly damaged credit scores of thousands, perhaps millions, of consumers.
Product: Debt collection

As of XX/XX/2019, an account from American Medical Collections that appeared on my credit report was found to actually be with the original creditor XXXX XXXX, in the amount of {$120.00}. This account was immediately paid with the original creditor. I have no financial obligations to American Medical Collections, yet they continue to report to the credit bureaus a collections account in the amount of {$120.00}. I have called and submitted my receipt multiple times. AMC refuses to remove this false negative report, thus damaging my credit.
Product: Payday loan, title loan, or personal loan

Springleaf finance in XXXX Ga. back in XX/XX/2015 I call Springleaf about a loan of XXXX dollars and to pay in full in 36 months, I was told to come in the next day bring my wife to co-sign on the loan which I could got on my own. Me and my wife was told the loan was for 36 months on the paper work was 36 months which we both read in full we e-sign to loan papers but the lady said there was a mistake on the paper work and had to reprint the loan paper work but was very, very nervous shaking with this new paper work I read and e-sign the loan of 36 months my wife read and e-sign the same paper on 36 months, the woman was shaking so bad after we had sign the papers when was giving them to us alone with the XXXX dollars. we got home we found out the there was a bait and switch on the paper work of 48 months which we both read before signing of 36 months please check the hard drive on there computers if they haven't erase it.