23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have a XXXX account # XXXX. Back in XXXX my bill of {$250.00} was paid by a second party roommate directly from her checking account. My roommates name is not on the account. The payment was never posted to my account. We immediately started the process to locate the payment. We sent proof of payment via bank statements and signed notarized letter from the bank stating the transaction number, the tracer number, the amount and date it was sent electronically. We hand delivered, mailed, faxed, and emailed all proof of payment on many different occasions. We continued to be told the payment was being reviewed. The bank sent a " train '' document directly to XXXX accounting department per their request via fax. After months of not seeing a credit to my account, I started to receive collection calls. I immediately contacted the collections department with my concerns. My service was indeed interrupted. After speaking with several collections reps and customer service reps, I was advised the collections department was n't made aware my account was in dispute. My service was restored. A few more weeks went by and still no credit to my account. At this point I hired an attorney. The attorney sent a Letter of Representation to XXXX which they acknowledged. My attorney re-submitted all of the proof of payment documents to XXXX accounting department. At this point it was found the payment was sent to XXXX XXXX in error. Apparently XXXX XXXX is the parent company of XXXX. The bank account the payment came from is located in the XXXX. When the auto pay was set up, it was set up using the incorrect cable company address. While I take full responsibility for this error, we also showed proof that the front of the check showed the correct account number. The check was never returned to the maker nor were the funds refunded to the account. The attorney was in contact with the XXXX XXXX accounting department. They advised in writing a refund would be sent via paper check and sent to the attorney. This refund check was never received. On Friday XXXX XXXX, 2016 the attorney sent another certified letter to XXXX XXXX requesting an update. In the meantime, I have received dozens of collections calls from XXXX attempting to collect this debt. It is important to note I have continued to pay any current balance owed. The attorney also wrote to XXXX reminding them I was disputing the account and I was represented by an attorney. the collection calls have continued as of the date of this complaint. On Friday XXXX XXXX, 2016 my attorney received a letter from a company called XXXX. The letter states that a buy out took place and they are now the parent company for XXXX and XXXX. The letter states all correspondence will need to be sent to XXXX. I am extremely frustrated with the responses from XXXX and XXXX XXXX. The continued collections calls are a violation of the FDCPA. Please help me resolve this matter. It has now been nearly six months since payment was sent
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 XXXX XXXX XXXX XXXX 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 : A consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681 c. ( A ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information other than records of conviction of crimes which atendates the report by more than 7 years.

15 U.S.C 1681 s -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
Product: Credit reporting, credit repair services, or other personal consumer reports

Settle It, Inc lawsuit mounted by CFPB. I am a victim of this companys fraudulent telemarketing and subsequent loan with their affiliate XXXX XXXX. In early XXXX, they intercepted a phone call I made to XXXX XXXX XXXX stating Lets fix your credit and if I adhered to their program, in XXXX months, they would pay off all my creditors and improve my credit. By the time I received a loan arranged by them with XXXX XXXX, it was approximately a year later and I was paying them now $ XXXX. The loan with XXXX XXXX was for {$9600.00} and my payments were $ XXXX. I have been paying them since XX/XX/XXXX. The interest rate is 24 % and compounded daily on the outstanding balance. So far I have paid them {$11000.00} and the loan doesnt mature until XX/XX/XXXX and so I will have paid them thousands more. I talked with XXXX XXXX re why was my loan with them and they just said you signed an agreement. I felt helpless. What is so outrageous, however, is my credit is destroyed. All the credit cards that were in the program just say CO meaning charged off with 0 balances due to nonpayment. This is very negative. There was no information that these accounts were apart of a debt settlement program. Settle It took my money and fraudulently assured me their program would improve my credit in the long run. I am devastated because credit is so important. I am so ashamed and this has affected the quality of my life. Im fearful of being duped and no longer trust anyone. I know I should have been more informed. What a terrible lesson. I might as well be in jail myself.
Product: Credit reporting or other personal consumer reports

This complaint serves as my formal request for a comprehensive explanation of how your investigation was conducted, along with your method of verification. As outlined in consumer protection laws, proper verification requires sufficient documentary evidence to confirm the accuracy of the reported information. Failure to review essential documents, such as an account application, constitutes a violation of the Fair Credit Reporting Act ( FCRA ), as established in cases like XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ). I request that your response include the following details : What evidence did your representatives uncover that led them to conclude the item is reported accurately? What certified documents were reviewed as part of the investigation? Provide a full copy of all information shared with the data furnisher during the investigation. What expenses were incurred by your company to obtain the necessary documents for this investigation? Proof of your timely acquisition of certified documents. Did you speak directly to any representative of the company reporting this information to verify its accuracy? If yes : i. Who was contacted? ii. What was the date of contact? iii. How long was the conversation? iv. What was the representative 's position? v. What telephone number was used? vi. What is the role of the employee from your company who contacted the representative? vii. How long has that employee been with your company? viii. What specific training was provided to this employee for handling investigations of this nature? ix. Were there any emails or written communications exchanged between your company and the representative? If so, provide copies of all related correspondence and documents proving that a reasonable investigation was conducted. Additionally, please provide : The date the delinquency began. The exact date when this item will no longer be reported. I also request a notarized affidavit affirming that all the information you provide is true and accurate, in accordance with my civil rights under federal law. This matter requires a detailed and specific response, not a generic form letter. My original dispute clearly addressed the account in question, and a template response will not suffice. If you are unable to provide all the requested information within the time frame specified by applicable laws, including the FCRA, I demand the immediate and permanent removal of this item from my credit report. The continued reporting of this erroneous entry is harming my credit rating and has caused significant financial and emotional distress. If you fail to provide either the requested deletion or the documentation supporting your investigation, I will enforce my rights through formal legal discovery and depositions. Please be aware that I am knowledgeable about consumer protection laws and civil/federal court procedures, and I am prepared to represent myself pro se to seek a jury trial if necessary. XXXX XXXX XXXX XXXX Balance : {$1000.00}
Product: Bank account or service

Talked to Bank of America representatives on XX/XX/2016 about refund of bank withdrawal on XX/XX/2016. It is XX/XX/XXXX, more than forty days have passed, they have not returned the XXXX $ back to my account.
Product: Credit reporting or other personal consumer reports

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 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 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  Dear Sir or Madam, I am writing to follow up regarding my previous communication about being a victim of identity theft. As I had previously notified you, I requested that you : 1. Close the unauthorized account that was opened using my personal information. 
2. Remove any charges associated with this unauthorized account. 
3. Take appropriate steps to remove information about this account from my credit files. 

Unfortunately, I have not yet received written confirmation that these actions have been taken. As a victim of identity theft, it is crucial that the unauthorized account is closed immediately and the fraudulent information is removed from my credit reports. 

I have enclosed a copy of my FTC Identity Theft Report to substantiate my claims. Additionally, as per section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, you are required to stop reporting this fraudulent information to the credit reporting agencies ( CRAs ). 

I have also included a copy of the FTC 's Notice to Furnishers, which outlines your responsibilities in investigating and resolving issues related to fraudulent information. 

I urge you to investigate this matter thoroughly and take the necessary steps to delete any disputed items from my credit files as soon as possible. Please send me a letter explaining your findings and the actions taken to address this issue. 

As a victim of identity theft, I am requesting your prompt attention to resolve this matter, as it is significantly impacting my financial well-being. 

Sincerely, XXXX XXXX Enclosures : - FTC Identity Theft Report - Proof of identity - Notice to Furnishers of Information
Product: Debt collection

There is an item showing in my credit file with Hunter Warfield inc. I have no idea what this is for and I sent a letter to them asking for details. They haven't responded.
Product: Credit reporting or other personal consumer reports

I AM A Victim Of Identity Theft ; Whereas, There Are Fraud Accounts Upon My Credit Profiles. Moreover, I Have Forwarded Lawful, Legal, And Logical Documentation To Support My Claim : - Identification - FTC Documentation - Residential Utility Bill - Proof Of Authentic And Real Identity Via Notary FRAUD ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

XX/XX/XXXX at XXXX pst an unauthorized wire transfer of {$24000.00} was transferred from my Chase personal checking account to a XXXX XXXX via consumer online international wire a/c XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And an additional unauthorized charge on the same date of XXXX XXXX XXXX was charged from my personal Chase checking account in the amount of {$40.00} to consumer online USD intl wire fee. Both charges were unauthorized by me, i did not call and makes those wire transfers or I did not give my information, access or the authorization to anyone to make these transfer or transaction. All This was done not to my knowledge. On the date of XX/XX/XXXX I was only notified via text message at XXXX ( pst ) that an unauthorized transfer of {$24000.00} was transfer from my personal checking account to the individual mentioned above ( XXXX XXXX ). As soon as I received the text from Chase via my mobile phone, I proceeded to immediately contact my bank ( Chase ) about the the unauthorized wire transaction. At no point was there any red flags where chase should have contacted me on such a large amount of money being transferred before being transferred. I called immediately and a stop action should have been done. On XXXX XXXX a claim was open. As of yesterday feb. XXXX XXXX I was notified via Chase bank that my claim was on longer open and that they have closed my claim due to no findings of wrongful doing, that it was closed to benefits received, nothing was lost or stolen. Once again I contacted chase on XX/XX/XXXX and on XX/XX/XXXX and was told nothing could be done that I would have to take this matter up with the recipient who the unauthorized wire transfer was received ( XXXX XXXX ). I do not know this person, I never gave anyone access or authorization to transfer money to this person. I have not lost or had any credit cards stolen recently. I continued to To tell Chase bank representative that I do not know this person, I do not know anyone in XXXX and I did not make these transactions. I continued to tell The Chase bank representative that this is fraud and I did not authorized any of these and they continued to say there is nothing Chase can do and that it would need to be handled by the recipient who the money was received. I continued to ask how benefits were received and how nothing was lost or stolen when I did not Authorize any wire transfer. Chase tried to escalate to a different department but was told to me that everything has been done and nothing more they can do. On XX/XX/XXXX a police report was filed with XXXX XXXX sheriff and a statement was taken. I called XX/XX/XXXX and tried to close My person checking account that was hacked or had fraudulent activity to ensure nothing else was to happen and was also recommended by XXXX XXXX sheriff to do as well but was told that by closing that account I would not be able to make any further claims or Disputes to have this issue corrected.
Product: Checking or savings account

Called to discuss why an account was created for a checking account, been transferred to the fraud department calls keep getting disconnected and they are not able to solve my issue
Product: Credit reporting or other personal consumer reports

After recently pulling a copy of my credit report, I was shocked by what I discovered. I noticed there were late payments that are reporting on my consumer credit report that 100 % SHOULD NOT be reporting at all. 
Creditor-Credit Acceptance Dates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I say this because, the law states that there should not be a late payment reporting on my consumer report at any time and should not include any transactions or experiences between me the consumer and any person making a report. Also, each credit bureau agency is suppose to furnish the correct information on your credit report and mine has discrepancies. 
Furthermore, I have never given any consent for these alleged transactions. 
These are clear violations of my consumer rights under 15 U.S. Code 1681a, 15 U.S. Code 1681a-2, U.S. Code 1681a-2 ( A ) ( I ) and also 15 U.S. Code 1666b. 
Please reverse these late payments from my consumer report and update this account as soon as possible.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told XXXX, XXXX, and XXXX to reinvestigate these accounts : Account name : # XXXX, Account name : # XXXX  XXXX, Account name : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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. 

The vehicle was fully paid off in XX/XX/2023 account currently shows as closed on their app
Product: Checking or savings account

I opened an account at Atlantic Union Bank at a new branch in XXXX NC which they closed shortly after because they could not keep it staffed adequately during pandemic. I opened the account to facilitate my move to Virginia. I was often near the XXXX XXXX branch area staying with my boyfriend, and also the XXXX area, but my primary address was XXXX XXXX. I did not want to close the account because I did want to move to Virginia, but the housing market was so fast it was difficult to buy a home, and I did not find another bank to move to that I liked that was also in XXXX. My boyfriend ended up having to sell his house and the main issue I had was that I was not able to keep the account active in XXXX as I had planned to do and that was not my choosing. There have been many unexpected turns in pandemic setting. I ended up having to work in California and was there when I got notice XXXX was deducting $ XXXX from my account for being inactive. They are the ones who closed the XXXX branch so they should send me back the {$25.00} deposit and close the account. I talked to the branch and they said I had to go through a process to request the {$15.00} left in my account as they already took {$10.00}. I would like all of my money back ; if they can just close down the branch that is near me they should not be able to keep the deposits. I called the main consumer line today and I was told they are not allowed to provide any information about my account or discuss it due to a comment that was made on the account, and I have to talk to a branch. The only option the branch had given me was to jump through a lot of hoops for {$15.00} or let them keep my cash.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report. I saw some inquiries that did not have permissible purpose. can you reinvestigate the inquiries listed below i also attached the evidence. 

XXXX. XXXX XXXX  XX/XX/XXXX XXXX. XXXX XXXX  XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX these inquiries has no permissible purpose to be on my report delete these inquiries due to violation of 15 USC 1681B
Product: Credit reporting, credit repair services, or other personal consumer reports

Had global client services to repair credit and pay for debts. Was never sent paperwork. Paid several accounts off. Had hidden fees I wasnt aware of. Was paying XXXX a month to fix debts. Sold stock, to pay off debt. Debt that is still on the credit reports as bad debt not paid off. Paid this for over a year.. Never got paperwork to substantiate who got paid and who didnt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am victim of identity theft. There are accounts on my credit report that I did not authorize. I have attached the necessary documents to file a dispute. I also mailed in the same documents last month but I had no response.
Product: Checking or savings account

I was recently scammed while trying to sell items online. The buyer sent me several bad checks that were way too much than what I asked for and would ask me to send the extra money back, I didn't realize this was a scam. After talking to family and realizing it was a scam, I called USAA and reported it. They closed all my accounts and had an investigator look into it, the investigators called me back a day later and told me I was at fault and I would have to pay back the bank and they would be closing my accounts in 60 days. 

I opened a new account at a bank and USAA is not letting me transfer the money I have left from my savings account to my new account with a different bank.
Product: Credit card

I have reported that they needed to lower my interest to XXXX  % due to the fact that I was on a XXXX. They have refused XXXX times to reduce the interest even though I am currently on XXXX. I started my XXXX on XXXX XX/XX/XXXX and will end on XXXX XX/XX/XXXX. I started with them on XXXX XX/XX/XXXX and informed them in XX/XX/XXXX. They informed me in XX/XX/XXXX that they would not lower it. I tried XXXX more times.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Equifax credit report is not reflecting any changes or updates that current on my other credit reports. It has not updated in years not sure whats going on but needs to report correctly to reflect accurate info as needed please help me with problem with equifax not sure what is going on with them thank you
Product: Mortgage

Even though I paid more into my escrow account than was paid out by the lender they still want to increase my escrow payments. The company selected a cushion which was not in place before then the company representative tried to say that it was a federal law. They do have a law that says they can only charge me a certain percentage but it does not say they have to. How great is this they not only make way too much money on interest then they can take all of the escrow cushion from consumers and make interest on it also.