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

I contacted XXXX and requested a debt validation pursuant to 15 USC 1692g. In order to validate a debt, an alleged creditor has to submit 5 criterias, this is not optional and no part can be missing. Pursuant to 15 USC 1692g, within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. Attached is the correspondence I received from XXXX proving they were unable to validate this alleged debt. I have disputed this debt several times with Transunion and you repeatedly concluded your investigation as this debt was validated and it remains on my consumer report. I need to see what they are sending you that is different from what they are sending me. I demand Transunion provide me with the method you used to investigate this an valid and ALL documentary evidence pertaining to this account and why you feel you have enough evidence to keep furnishing this information on my consumer report. If you can not provide me with this evidence, I demand you delete this account immediately
Product: Mortgage

In XX/XX/XXXX, I had to change the deposit account where my mortgage payment was pulling from. I contacted Flagstar and informed them of what I was doing. They said that the current month should be paid for their system to allow the change. I paid in advance {$1100.00} on XX/XX/XXXX. Days after I believe, I set up ACH to pull half of my mortgage every other Friday to the new deposit account and went through just fine. I realized after that I did not cancel the prior ACH payment for {$860.00}. I contacted Flagstar I believeXX/XX/XXXX, and they said that they are not seeing the payment which is understandable as it was scheduled to pull on XX/XX/XXXX, but I am no longer able to cancel with my bank as it was already systemically initiated 2 days prior to the scheduled date. Finally, the unintended payment of {$860.00} posted on XX/XX/XXXX I reached out to them to refund the overpayment and they advised me to fill-out a form and send back to them. I did what I was told and emailed the filled-out form on XX/XX/XXXX The form was Flagstar 's ACH Refund Form. It had details of the payment and where it will be sent which was the same account where it came from. They responded XX/XX/XXXX, requesting for a copy of my bank 's history ledger showing that all payments made to Flagstar have cleared. And if I have a negative balance, to confirm with my bank first that the payment will not be reversed. I responded by asking why they are asking me for proof that payments have cleared when the payment had already posted in my account for days. Today, they sent me the same email response. The unintended payment posted 8 days ago on my mortgage and they are still asking for proof that it has cleared. Flagstar is unwilling to return the duplicate overpayment when they already received the ACH payment of {$1100.00} on XX/XX/XXXX, the same day the overpayment had posted on my mortgage. Please help.This bank is not servicing their customers in good faith. What they should be concerned about is if they refund the overpayment, will it result to my mortgage going in default ; and obviously will not as ACH had been set-up.
Product: Credit reporting or other personal consumer reports

1. All the cases they send me have no post mark date on the outside stamped by the XXXX. This is a huge problem because the dates on their letters I receive are dated at least 10 days later than when I actually get them in my mailbox and informed delivery notifies me. So this means I only have 20 days or less to actually try and pull up the ONE TIME USE PIN NUMBER they provide TO TRY AND READ THEIR REPORT and dispute anything.

2. I have asked that all the consumer reports they send me to be sent to me in paper form and NOT WITH A ONE TIME USE PIN NUMBER TO OBTAIN THE REPORT ONLINE. ESPECIALLY BECAUSE OF HAVING LESS THAN 20 days to try and obtain my consumer report, read it, mark all the things wrong, and then dispute them, all WITHIN their 30 days.

3. Lexis Nexis has more than one consumer report that is in my name that is using my personal information including my social security number, drivers license number and other personally identifying information and they sent all these different reports to me after I filed my first two complaints with you. So within a few days, I was bombarded with these reports and since I have ongoing fraud and identity theft issues, unreliable internet service, compromised devices, and sending me all these at least 10 days later than the dates they list on their letters and only giving me 30 days from those dates to dispute anything on them was an impossible task.

Also only one report was in paper form and the others were with a one time use PIN number.

Why arent they consolidating all these different reports with my personal information into one report instead of having more than one?

Lexis Nexis also had information that I disputed and they said was removed in XX/XX/year>. 
Lexis Nexis is difficult to reach, talk to, obtain my information and refuse to let me speak to. XXXX. 
I want all my consumer reports consolidated into ONE REPORT AND THEN SENT TO ME IN PAPER FORM SO I CAN PROPERLY DISPUTE ALL THE WRONG INFORMATION WHICH IS QUITE EXTENSIVE, and that they do not back date these reports so I have the full 30 days to properly examine and dispute it.
Product: Debt collection

I have received multiple calls threatening a costly lawsuit about an alleged loophole in the contract with Bank of America and impending legal action by a law firm hired by the caller. The person is calling from XXXX and claims to be XXXX XXXX ( sp? ). They claim to represent XXXX ( sp? ) XXXX XXXX. 
They claim to have been communicating with me at an address at which I havent lived for four years. 
I do not have any outstanding debts on my credit report and believe this is fraudulent.
Product: Checking or savings account

I was charged three overdraft fees because the bank stacked my transactions. This resulted in three transactions I made on Monday, XX/XX/XXXX being posted after a larger transaction I made on Tuesday, XX/XX/XXXX. Because the bank moved these transactions, that were posted before the Tuesday transaction, to appear to have posted after the larger Tuesday transaction I was charged 3 unnecessary {$35.00} overdraft fees. Today, when I asked for a refund, the bank told me I could get a courtesy refund of 75 %, but I am not asking for a courtesy. Just that the bank gives me back what was wrongfully taken from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Equifax XXXX XXXX XXXX XXXX has not answered my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete its investigation within 30 days. Please check the payment history, date open, last activity, and Status of XXXX XXXX XXXX. I believe it was reported in error. 
XXXX XXXX XXXXXXXX Balanced Owed : {$0.00}
Product: Credit card or prepaid card

Hello I applied for a Paypal credit card on XX/XX/2018 and I called and I was told by a supervisor that I was gon na get a letter and they emailed it to me and the letter said they need some paperwork and proof of Id and etc and have it notarized which I did and I fax it to synchrony bank and I called and ask for supervisor and and ask her if she received the paperwork and she said we dont accept fax and we dont ask customers to do that and she was very rude to me and told me to wait for a letter 7-10 but I already got the letter through my email and so far I havent got a decision yet
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 confidentially under 15 USC 1681. 


Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account 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 602 A Section 2, states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Sections states : No consumer reporting agency may make any report containing any of the following items of information. Any other adverse item of information, other than records of convictions and crimes which antedates the reports by 7 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. 

Subsection ( B ) : A furnisher shall not furnish information about a consumer to any CRA if the consumer has notified the furnisher that the information is inaccurate, and the information is, in fact, inaccurate.
Product: Mortgage

XXXX failed to disclose that after their original denial and ask for additional funds of XXXX, that a new HUD settlement statement was sent offering exactly what they asked. They then took a month to get back and still denied with no additional reason. So to state that they tirelessly worked is an exaggeration and false.
Product: Checking or savings account

Re : Docket XXXX XXXX XXXXXXXX Complainant : XXXX XXXX XXXX To Whom It May Concern, I am filing a formal complaint against Chase Bank due to their inaction in resolving the illegal withholding of my wages through a XXXX for a debt that I do not owe. According to the attached response from Chase, there is a judgment against me, which is completely false. I have never been sued, nor do I owe anyone anything. 

I request that Chase provide me with a copy of the alleged judgment in my name or any legal document proving that I am legally obligated to pay the alleged debt. Additionally, I demand that they immediately release my funds without further delay. I am still waiting for a resolution and the release of my wages, as I am in urgent need of these funds to cover my expenses. 

Furthermore, in their attached response, Chase claims that there is a monetary relief amount of {$100.00} that I never received. While I did receive a refund of the {$100.00} legal fee they illegally took from me, that is not the same as monetary relief. Moreover, according to the proof of my account attachment, as of today, there is still {$400.00} that Chase Bank is withholding from my wages. 

I request that Chase Bank resolve this matter without further delay. Please take immediate action to release my funds and bring this issue to a prompt conclusion. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

BMW FINANCIAL SERVICES/CREDIT inaccurately reporting negative payment history and repossession. Account remained in good standing.
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate blocking and deletion of fraudulent accounts and inquiries listed in my credit report, as I have been a victim of a recent data breach. Under 15 USC 1681c- 2 ( a ) and FCRA 605 ( b ), I am entitled to request the blocking and deletion of any unauthorized accounts or inquiries. 
The following accounts were not opened by me and I request that they be blocked and removed from my credit file : XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$830.00} XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4700.00} Additionally, the following inquiries were made without my permission and should be removed from my credit report : 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

I have an account with Bank of America. I have my paycheck from my employer direct deposited to my account with no issue. However, I received a live bonus check from the same employer, which I deposited to the same Bank of America account. They placed a week long hold on this transaction without any substantive explanation. I have attempted to have the hold released without success, as the bank is charging me overdraft fees because the hold was placed
Product: Consumer Loan

My complaint concerns Nissan Motor Acceptance Corporation 's ( NMAC ) inept handling of my automatic ( ACH ) payments for the payoff of my Nissan Rogue Select. I purchased my Rogue from a XXXX Ohio dealership in XXXX XXXX, and set up the simple interest loan amortization through NMAC. After my down payment and trade in, my loan balance was {$14000.00} with an interest rate of 3.27 %, and 4-year payment schedule of $ XXXX/mo. This was to be withdrawn from my checking account in monthly periodic payments until XXXX XXXX. 

Payments were periodic and monthly in the amount of {$310.00} from XXXX XXXX until XX/XX/XXXX, when NMAC, for some reason stopped using ACH as the withdrawal mechanism. I was unaware of this, as I made NO change to my checking account to withhold payments. We love the car and certainly neither want a repossession of it nor a credit ding. 

Today ( XXXX/XXXX/XXXX ), I got a call from an NMAC account manager who expressed concern that my account was now in default and my credit score would suffer. This is came as quite a personal and disturbing shock, causing me to feel XXXX as to how to resolve this. I told the account manager that no action or inaction on my end deserved this kind of threat, credit downgrade, nor any other impending action despite the account manager being quite diplomatic and responsive. My bank had indicated to me that the drop of the ACH would have had to come from NMAC as they made no change to the account. This bothered me a bit all midmorning, including the possibility of a credit downgrade, and potential auto repossession. 

The account manager gave me a number and personal extension to call back to clear this up. Now, I had been making PRINCIPAL ONLY payments, since this year ( XXXX XXXX but for some reason NMAC was partially applying those payments to the " soon-to-be delinquent '' account. Well this is a shock and underscores the incompetent Millennials who " upgraded '' the NMAC system to the tune of XXXX ( nice job XXXX ). 

I will supply further information to the CFPB as this proceeds forward.
Product: Consumer Loan

Capital One Auto Loans makes collection calls on Auto Loan accounts prior to the due date. I have become a new auto loan customer within the last month and have been getting collection calls requesting payment prior to the due date. There has been no delinquency. This has been going on every day for the last two weeks. I understand from reading other customer complaints that this seems to be not isolated to my account but done to multiple accounts. I believe this practice is not lawful.
Product: Credit card

Apple card from Goldman Sachs. An Apple card was opened on XX/XX/2023 through fraud in my name, amounting to XXXX and I noticed it in my credit report. They have not responded yet.
Product: Checking or savings account

My wallet was stolen by a friend back in 2014 and she took it and wrote a fraudulent check of some sort on my behalf, I never heard from her ever since so chase closed my account even though I called and reported my card stolen once I saw some odd transactions and they still closed my account I called back to make amends and pay off the overdrawn account that was not my fault or doing and they said I would be able to open a chase account after I paid it off so I did because I would like to be a chase customer again. I went to a branch and opened an account twice and both times they were closed with no rhyme or reason. I am a full time XXXX student and full time worker and i would just like to be able to keep my chase account I applied for again recently and got a letter in the mail saying my account will be closed again. I would like to get an answer as to why I cant keep it open? Its for the secure checking account and I would really like to be a chase customer can someone please help me. I tried to do the right thing and paid off the balance in hopes I can open my account again and I dont think I should be held accountable for something that was a mistake I didnt want my wallet to get stolen even less from a friend who did that fraudulent act with my card. They can compare signatures and I never signed like that so why would they just not reject the check. Please someone help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by, based on their lack of responding in the time frame and their investigation results they have not abided by these laws
Product: Credit card or prepaid card

Already submitted a complaint and was told it was fixed, received a check in the mail today ( XX/XX/XXXX ) for {$420.00} after i was told the funds would be moved to the appropriate card which they were not. My card now shows a {$530.00} balance due XX/XX/XXXX and im completely fed up with this whole situation. I would like to have this dealt with as it's been on my mind since XXXX now. I will pay the original balance before all the added on fees from my payments not being processed as long as i can be guaranteed it will go through just fine. Don't want this to affect my credit as im surprised it hasnt yet.
Product: Credit reporting or other personal consumer reports

I had a XXXX account ending in XXXX that was sent to collections with Waypoint Resource Group. However, XXXX has confirmed that the statute of limitations expired on this alleged debt as of XX/XX/XXXX, and that they are not owed any money and will not be collecting on the account. 

Despite this, Waypoint Resource Group inaccurately reported this account as a collection item on my credit reports through XX/XX/XXXX. As of XX/XX/XXXX, XXXX is now inaccurately reporting this account themselves directly to at least XXXX. 

I have filed multiple disputes with XXXX to have this erroneous collection removed. However, the disputes are being denied, with XXXX stating the information is being verified as accurate by XXXXWaypoint . 

The only fair resolution is for XXXX, as the furnisher, to instruct all three credit bureaus to promptly delete this account from my credit reports, as required by the FCRA. XXXX needs to rectify their inaccurate reporting and provide confirmation to me once the account is removed. I look forward to their cooperation in resolving this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX Credit Card accounts are paid off but there still being reported as derogatory with all the credit bureaus. I have called them on several occasions and nothing has been done..
Product: Credit reporting or other personal consumer reports

I am reaching out to raise concerns about several issues I have encountered with the credit bureau, including incorrect account listings, unauthorized inquiries, inaccurate credit reporting, and billing errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity Theft. These items I found on my credit report were opened without my knowledge, consent, or authority. These items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge and reporting DELETED accounts/information from other bureaus. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

HMF is fully aware the vehicle was paid off as stated in the response " The invoice was not paid in full until XX/XX/XXXX ''. Please note that this is an admission it was paid in full, and the issue at hand was the check was delayed within their departments for an extended period of time. Please amend my credit report charge off now, for as I said, I do not want to escalate this any further than to have your error removed from my records. Thank you. 

We had no bill due until XXXX XXXX XXXX. ( XX/XX/XXXX ). As you can see in their response it was paid in full on XX/XX/XXXX. 
I will attach the document of the account. 
This was not a write off, and we made no late payments. 

I only want the above statements to be remedied and addressed. The last claim response stated we didnt make advance payments when I never said we did. I said we made payments even when the car was not in our possession and deemed a total loss at no fault of our own. They simply deflected the issue at hand. Im not playing the blame game but Hyundai is well aware of their recalls and mailed us a separate agreement. I have never seen that invoice. That was our previous address, which they are aware of as thats where they sent our agreement letter. They are more than welcome to send a copy of that letter if they wish to continue this back and forth. We chose to be good people and just wanted this matter situated but they continue to make it difficult.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 ( section 604a section 2 ( it also states a consumer reporting agency can furnish an account without my written instructions under 15 USC section 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose!