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

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$5300.00}
Product: Consumer Loan

I leased a vehicle the year prior to joining military service in XX/XX/2016 I called Ford Credit to request a lease termination under the Service Member Civil Relief Act. They requested I send the letter to them and I did on XX/XX/2016. 
I received notification on XX/XX/2016, via telephone, that my request has been denied. They stated that I must be on orders assigning myself outside of the continental US. 
I understood the SCRA to cover me for the lease termination upon entering military service and not just when I receive orders overseas.
Product: Credit card or prepaid card

Wells Fargo bank never applyed the promised credit to my account before closing it and written off as a charge off. 
Charge me fees and never issue my money. I dont owe them any money and also reported to credit report
Product: Debt collection

I have been dealing with an unresolved issue involving debt collection attempts related to a XXXX XXXX account, managed by XXXX XXXX, and sold to LVNV Funding LLC/Resurgent Capital Services . Despite numerous attempts to resolve the dispute over unauthorized charges and accrued interest, these efforts have not been successful. Key details include : Initial Disputes with XXXX XXXX  and XXXX XXXX : Over a period of several months, I contacted XXXX XXXX  and XXXX XXXX to dispute unauthorized charges on my account. Both companies refused to investigate the charges, each directing me to contact the other. This led to continued accrual of interest on disputed charges without resolution. 

Debt Sale and Collection Efforts : After the debt was sold to LVNV Funding LLC/Resurgent Capital Services , they, along with XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXXXXXX began attempting to collect the debt. Despite my repeated demands for communications to cease and desist in any method of communication with the exception of email only, they continued to repeatedly send mail through USPS, disregarding my communication preferences which is a violation of the Fair Debt Collection Practices Act ( FDCPA ). 

Formal Dispute Sent on XX/XX/2024 : I mailed a formal dispute, debt verification request, and information request to XXXX XXXX XXXX XXXX XXXX, the firm collecting on behalf of LVNV Funding LLC, via USPS Certified Mail and regular mail. To date, I have received no response from them, which violates the Fair Debt Collection Practices Act ( FDCPA ) requirement to respond within 30 days. 

Amount Disputed : The amount involved is an inflated {$3900.00}, which includes unauthorized charges and the interest accrued on those charges. Despite my efforts to resolve this matter, no adequate documentation or verification has been provided. 

Actions Taken by the Company : The companies involved, including XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, have failed to provide the requested debt verification and continued to communicate through unauthorized means, in violation of the FDCPA.
Product: Mortgage

Bank of America sent me a false email and stating that I did not pay my mortgage for XXXX 2015. I paid my mortgage and called them and the refused to mail me a written receipt. 
Please have Bank of America sent me a written receipt for my XXXX 2015 payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im accordance with the fair credit reporting act XXXX XXXX  Original creditor : XXXX XXXX Account number XXXX has violated my rights XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX 
Account number XXXX has violated my rights XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX  XXXX. 
Account number XXXX has violated my rights XXXXXXXX XXXX Account number XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I opened a case last year with the CFPB indicating that Citi had incorrectly marked an account as in bankruptcy. I provided a letter from Citi showing their intent to correct the problem however the problem still stands and is still incorrectly reporting.
Product: Credit reporting or other personal consumer reports

I am writing to DEMAND removal of 1.DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX from my report. this is a violation of 15 usc 1681 ( a ) 4 and my right to privacy.

I will be forced to notify the CFPB & the FTC of violations of both my rights as a consumer and your obligations as a consumer reporting agency. I require XXXX XXXX dollars and no cents ( {$1000.00} ) per day if this reporting continues. 15 usc 1681a ( 2 ) a ( i ) clearly states transactions are to be excluded from the report. I would like all further reports to reflect this. I have no contract with XXXX, EXPERIAN, XXXX, any sharing of my private information, my non public personal information, my financial information, medical information is a violation of not only the FCRA but also HIPPA, GLBA.
Product: Checking or savings account

Deposited XXXX usd and company has restricted card prior to additional deposit there for entrapped my funds I complied with all requested information and now expect the same.
Product: Payday loan, title loan, personal loan, or advance loan

In accordance with the Fair Credit Reporting act. The accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. And I want this account removed! 

Date opened - XX/XX/year> Original balance - {$520.00} Account info Account name - XXXX XXXX Account number - XXXX In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX has violated my rights. Section 602 A, states I have the right to privacy! 

If not removed this time from my credit I will Be Taking Legal Actions...
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I purchased a vehicle from capital one which was a XXXX XXXX XXXX  ended up losing my job the in XXXX. So I have several late payments that are not suppose to be on my credit report according to 15 USC 1681a1 under exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not includea report containing information solely as to transactions or experiences between the consumer and the person making the report.
Product: Debt collection

Disputed twice with Equifax and came back as verified. However, with XXXX it was deleted due to not providing the purchase agreement and payment history as request.
Product: Credit card or prepaid card

On XX/XX/XXXX I wrote a letter to XXXX and XXXX disputing an account that was listed on my report due to Identity Theft. The account is listed as MILITARY STAR on XXXX report and ARMY/AIR FORCE EXCHANGE on my XXXX credit report. The date the account was opened was on XX/XX/XXXX and the credit limit was for {$1100.00}. The account came back verified. However, I did not receive any documentations verifying the debt. I also submitted a FTC Report under the name Military Star as this is the name listed on the credit report that I received from XXXX and XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are both reporting a collection from a company in the name of XXXX XXXX and the collection references an account with XXXX but I never had my account with them I paid sprint directly for my balance owed. I disputed the account with the credit bureau and they simply kept it on my file and showing the balance as XXXX. Thats still not okay with me this shouldve never been posted to my credit bureau and I want it removed fairly. 

Thank you
Product: Mortgage

I submitted a complaint against Loan Depot LLC, complaint number XXXX XXXX. In short, due to no fault of my own, my payments were showing late ( several were returned by the company ) and they were charging me late fees. You received a response from Loan Depot saying that they would not waive late fees. You closed the case without considering my evidence that I had gone above and beyond to become current on the payments and requesting that Loan Depot waive my late fees. What do I need to do to get some action on this issue? I've now made two payments ( in an abundance of caution ) and I still have outstanding late fees despite every attempt to work with the company. 

Please review my file and let me know what my next steps are to get this resolved. If the CFPB will not intervene on my behalf, please provide me with contact information for the regulator so that I can get this resolved. 

I work in the financial services industry and am disappointed in the CFPB 's lack of follow-up on this issue. 

Thank you for reconsidering this case.
Product: Prepaid card

I tried to sign up for netspend card and it says we are unable to process your request
Product: Payday loan

I took a payday loan of {$500.00} on XXXX/XXXX/XXXX in that area from Castle Payday Loans. Which has gone from Caste to XXXX to Red Rock Loans. I was told that my repay amount would be approximately {$570.00}, and agreed to that. I was not told of the 505.944 % APR, and the total payoff of {$3100.00}. I also could not see the Truth in Lending disclosure until after the loan had been processed and funds delivered to my account. I have no problem paying the agreed to loan of {$570.00}. I have made two payments already of {$250.00} each on XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. 

Please help. I will be telling my bank to not allow any other payments to be transferred until this is resolved or charged off. 

Thank you
Product: Checking or savings account

XXXX : XXXX XXXX : XXXX I received a letter dated XX/XX/2022 from XXXX XXXX XXXX XXXX XXXX XXXX  informing me that enclosed is a check for me to deposit in the amount of {$1600.00} and to deposit this as soon as possible. An additional check of {$45000.00} was enclosed to payoff the creditor ( XXXX ). 

My husband, XXXX XXXX, reminder me that I needed to deposit the check as soon as possible. I grab the checks along with the letter to make a deposit. I entered the Chase XXXX XXXX XXXX. I was very physically and mentally exhausted for two to three weeks with Chase Mortgage representatives to refinance the XXXX timeshare to receive a lower interest rate ( this process was time sensitive ). 

Since I was tired I asked the teller to read the letter before I made a deposit because I had two checks and wanted to ensure I was depositing correctly. She looked at the letter and said ok, you want to make a deposit. This checking deposit was made on XX/XX/2022. 

When I was home, I indicated to my husband that I deposited the checks and he told me that I was suppose to mail the larger check to XXXX. Then, I call XXXX XXXX ( Chase, Mortgage from NY ) explaining what I did. She said she would contact the Title company to resolve the issue. A couple of days had past and I never heard from her. At the same time, I tried calling XXXX XXXX and left voices messages to let me know on how I was to proceed. I never received a response from her either. 

On XX/XX/2022, when I was trying to make a deposit, I discovered that my account was restricted and to call a number for more information. I called that number and was told that I needed to contact XXXX to dispute the check. 

I called XXXX local branch office on how to proceed ; however, the receptionist indicated that their office does not have access to their record and she can call a third party. I then gave her all my contact information along with the XXXX XXXX. Within a few minutes, I received an email from XXXX, XXXX XXXX, Senior Supervisor, XXXX XXXX. 

Im a great grandfathered Chase member and extremely disappointed that I hadnt received notification by mail or email from Chase stating that my account was restricted and how to resolved the issue. 

At this time, I have notified Chase with the event number XXXX and that XXXX is assisting me in the dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

After filing my last complaint about the 30day late payment in XX/XX/2020, XXXX agreed to remove late payment and update the account to all credit bureaus. It has been over 30 days and Ive checked my credit and the it is still showing a 30day late on Experian.
Product: Debt collection

XXXX Phone call. I stated that I needed documentation/verification of debt sent to me. I stated that I would not provide personnel information over the phone regarding debt or payment. They stated they were working on behalf of Reel Time which I did not recognize and stated so. 

XXXX Phone call. Aggressive, attempted to intimidate me and kept cutting me off. Would not let me finish sentences and was threatening tone when I apparently used the wrong word for the item I had requested. Wanted me to confirm banking and payment over the phone. I stated that I still have not received the requested documentation/verification. I also stated that I would not pay blindly without the documentation/verification I have requested to safeguard that they were handling the debt. He continued to talk over me in the same aggressive manner and then hung up while I was speaking. 

I feel that this was improper conduct, aggressive tactics and and they were threatening to take actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Aft

er purchasing a copy of my credit report, I was able to locate a series of negative accounts, that are preventing me from moving forward with my financing. With this in mind, I decided to contact the credit reporting agencies, to have them help investigate these events. I understand that, the credit reporting agencies, have been granted a " relax enforcement standard '' from the CFPB to allow them to either delay, or not respond to my dispute request. However, according to section 1681i of the FCRA, the credit reporting agency, are bind by law, to respond within the highlighted time frame to avoid a possible civil case against them. This is in compliance with section 616, and 617 of the FCRA. It has been more than 45 days since, I requested these items to be properly investigated. I have yet to received anything back from them.
Product: Debt collection

My wife and I brought a time-share in Florida in XX/XX/XXXX and we paid {$9000.00} cash for it. My wife die in XX/XX/XXXX so it was left to me, than I was behind on my fee so I sent XXXX XXXX {$700.00} check to catch up on my fee. I call them and told them to Lease my time-share so it will pay for my condo fee, but it never happen.I don't owe Conrad Credit Corporation one penny. I have't been on vacation seen my wife dead. I pray this matter will be over soon.
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. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report I noticed and account that shouldn't be reporting inaccurately on my credit report by the following companies : XXXX, XXXX, Transunion. 
XXXX XXXX ( original creditor XXXX XXXX ) XXXX  {$0.00} balance
Product: Checking or savings account

In short, I attempted and electronic deposit using a banking app. The funds were placed in my account the day the deposit was made. Nearly 70 days later, the funds were taken/reversed from by account. Neither banks ( USAA FSB nor XXXX XXXX, XXXX ) has an explanation of where the funds are or how I can get my money back. 
On XX/XX/2019, I submitted an electronic deposit with USAA FSB in the amount of {$3200.00}. The deposit was made using the USAA banking app. The check was written by XXXX XXXX XXXX XXXX XXXX for medical claims. The account the check was drawn on was a XXXX XXXX, XXXX account. On XX/XX/2019, I notice that USAA had reversed the transaction and {$3200.00} was removed from my checking account. Below is a summary of the action taken after I noticed the reversed transaction : 1. XX/XX/XXXX & XXXX I notified USAA of the reversed deposit. I was told that it was part of a duplicate deposit. I was requested to contact XXXX XXXX and have them provide a copy of the cancelled check and USAA would do the research into the transaction. 
2. On XX/XX/XXXX, I received copies on the cancelled check from both XXXX and XXXX XXXX. This copy was emailed to USAA. I was informed that it may take several weeks to resolve. 
3. On XX/XX/2019, I was informed by USAA that this check was shown by XXXX XXXX as a duplicate transaction and that USAA was correct in reversing the deposit. Additionally, I was told this that this could only be resolved by XXXX XXXX. 
4. On XX/XX/2019, I contacted XXXX, again, to research the transaction and to contact XXXX XXXX. 
5. On XX/XX/2019, I received verbal confirmation from XXXX that the check was processed by XXXX XXXX on XX/XX/2019, as shown on the cancelled check. This payment had not been cancelled or reversed by XXXX XXXX and their account reflected the processed check. 
Please note, I did not attempt to cash or deposit this check at any other financial institutions. I have the original check and supporting documentation I received from XXXX and XXXX XXXX. I need assistance in resolving this issue. 
Thank you.
Product: Credit reporting or other personal consumer reports

This CFBP complaint has been filled to request pursuant to FCRA & 605b ( 15 U.S.C & 1681 c-2 ) that you, the XXXX credit reporting agency block information appearing on my consumer credit report that is the result of indetity theft and fraud with in 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal loan open with roadrunner financial in XXXX of XXXX. This account has resulted in fraudulent collection appearing on my consumer fico credit report I due not recognized the afforemention accounts, collection as reported. The aforementioned accounts, collection appearing in my credit report were not open by me, this account is a result of identity theft and fraud I have attached a copy of the FTC identity theft criminal complaint # XXXX as proof from the US FEDERAL TRADE COMMISION that all of the aforementioned consumer credit accounts, collections are the result of indentity and fraud.
Product: Checking or savings account

I am using Marcus for high yield savings account. After I transferred $ XXXX from my bank account to Marcus, I recently learnt that my account was locked. Then I tried to call Marcus 5 or 6 times. Each time either they said they cant one time pin me because the phone number they have on file doesnt associate with my name, or they can OTP me, and they try to contact my bank to verify my bank account information, put me on hold for half an hour, then suddenly hung up on me. For the first case they said they will contact me in 1 or 2 business days but no one ever contacted me ever since. This is not a proper way to do banking business. Why does Marcus has this and only this outdated method of verifying peoples identities? Shouldnt they provide methods like email verification? Shouldnt my bank information be already verified before Marcus approves my transfer into the account? 

After I submitted a complaint with CFPB, all I got was a call back from Marcus doing those futile verification of my identity again asking for my SSN, DOB etc. but I am still locked out of my account.
Product: Credit card

Subject : Dispute of Inaccurate Information Due to Data Breach Dear Dispute Department, I am writing to formally dispute inaccuracies on my credit report that I believe are a result of the recent data breach involving XXXX. The information below outlines the items I am disputing and provides evidence to support my claim that these entries are erroneous. 
I have taken the necessary steps to report these fraudulent activities, including filing an identity theft report with the Federal Trade Commission and submitting a police report. Copies of these documents are enclosed for your reference. 
In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that these fraudulent items be investigated and removed from my credit report promptly. Please send me written confirmation once these items have been addressed and corrected.
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 requested XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX Account name : XXXX XXXX  Account name : XXXX XXXX Account name : XXXX XXXX Account XXXX : XXXX XXXX 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 ( XXXX ), they are supposed to modify accounts that aren't reporting correctly. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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.