23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

XXXX/XXXX/16 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian 's XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Utilities Account Number Num : XXXX Balance {$700.00} Dear Sir or Madam, I am writing in regards XXXX City of XXXX Utilities Account on my credit report. On XXXX/XXXX/16 I have file a complain to the CFPB I sent a letter explaining that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 

I must remind you that in my previous letter I requested the following information : ( 1 ) The amount of the debt ; ( 2 ) The name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) ( 5 ) Provide the actual Bills Statements ( 6 ) Payment Receive I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( creditor ) that you say I owe money so they are also aware of my dispute with this debt. 
As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on { insert date from mail receipt }. 
Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 

As of today XXXX/XXXX/16 I have not received any information or correspondence regarding this account. 
As of today XXXX/XXXX/16 I have not received any information or correspondence regarding this account. 


I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the XXXX. 

XXXX XXXX
Product: Mortgage

It started off that we are unable to make a payment, including additional principal, online. Each month we call to make the payment over the phone so we can add additional principal and they give us a hard time because we can't do it online. They have told us the only way we can pay over the phone is if we pay a {$9.00} fee each month, which would be fine if it wasn't for the fact that the entire reason for the issue is because they can't seem to get there website fixed. This has been an ongoing issue since may of this year when we paid our first payment. We have notified them of the issue on numerous occasions only to be told we are doing something wrong. 
They also will not speak to my wife, who is a borrower on the loan, because they say she is " unauthorized '' to transact business.
Product: Credit reporting or other personal consumer reports

Please be advised that as of XXXX as listed on my most recently reviewed Experian consumer profile, there are several fraudulent / unauthorized inquiries listed : XXXX XXXX XX/XX/year>, XXXX XXXX XX/XX/year> and XXXX XXXX XX/XX/year>. I, XXXX XXXX am hereby notifying you that these inquiries are fraudulent and neither on those dates or dates similar did I authorize any individual from Experian to furnish my consumer information to any company. Having understood that this is a violation of 15 U.S.C. 1681b ( a ) ( 2 ) : Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other - In accordance with the written instructions of the consumer to whom it relates. Both together and separately, my consumer and privacy rights are being violated. If you can not provide my written authorization, the aforementioned fraudulent/unauthorized hard inquiries are to be removed from my consumer credit report and file IMMEDIATELY as their reporting has caused me and my reputation harm and discrimination. XXXX XXXX ( Without Prejudice )
Product: Credit card or prepaid card

Hi CFPB, Thanks for taking the time to consider my complaint. 

My wife and I used XXXX US Bank Frequent flyer miles to buy tickets to XXXX, XXXX on an XXXX XXXX. The value of the XXXX tickets was {$5200.00} plus we paid an additional {$120.00} in fees. Our itinerary was confirmed by US Bank Travel Rewards on XX/XX/XXXX. We bought coach seats directly from another org on the same flight for my son and his girlfriend for approximately {$2000.00}. 

Several days before our trip, I called XXXX air to confirm with them, but they said that we did not have tickets. I called US Bank Travel Rewards, and it turns out they had made a mistake. They made a good effort to get us into 1st class but couldn't. So, we sat in the same section as my son and his girlfriend because there was no other option. 

My wife and I weren't happy but we rolled with it because mistakes happen. However, I asked one of the representatives to inquire about compensation. We are clear we don't want to pay the equivalent of {$5300.00} for a {$2000.00} flight. She indicated she would inquire on our behalf, but we didn't hear back from US Bank Travel Rewards. 

So, I complained to US Bank directly. Just got a letter now from the office of US Bank President implying that one of their representatives had contacted us about the mistake and brought it to our attention, which isn't true. And now they are saying that they are going to compensate us {$250.00}. ( Unacceptable. ) Also, and this is one of the reasons I'm making a formal complaint, one of the other travelers on the flight indicated to us that they had had a similar experience. I can't say for sure, but it is possible that there may be an industry pattern of substituting inferior products and then not compensating accordingly.
Product: Mortgage

On XX/XX/22, I was on the XXXX website looking for banks that offered HELOCs for a secondary/investment property. Rocket Mortgage ( RM ) company was one of the banks marketing such a loan product. After clicking on the link for RM and completing the questionnaire, RM mortgage banker XXXX XXXX ( NMLS # XXXX ) called me. 

As I said in the questionnaire, I told XXXX that I was interested in applying for a HELOC on my investment property to do some home improvement work before moving-in a new tenant. XXXX kept trying to push me into doing a Refi against the property and I repeatedly told him I didn't want to do that. When I asked to be connected to a banker handling their HELOCs, he told me that that was a small department for RM and there's no one available at the moment and he would have someone call me back. 

No one from RM contacted me about a HELOC but XXXX reached out to me a few more times trying to get me to apply for a Refi loan. Because of that horrible and deceptive experience, I ended up not doing any business with RM. I also told XXXX that I would file a claim with the CFPB against RM regarding their deceptive and predatory practices. 

I created a " task '' to file the claim against RM and am finally getting around to it today. I had the flexibility to move-on to another bank for my needs because of my financial means and above average credit score. And I was able to recognize deceptive and predatory tactics being practiced by RM. 

Still, there are a lot of people not in my fortunate position being preyed upon by RM and I wanted to bring this matter to your attention. It would not be hard for the CFPB to prove this deceptive practice being executed by RM and I pray that you all do so and hold RM accountable for their behavior.
Product: Credit card

I had a costco card with XXXX. Apparently costco switched their relationship and now only takes visa. So, during the switch, my costco XXXX XXXX was cancelled and I received a XXXX card. I paid the balance of my account online and it disappeared from my XXXX online portal. Five months later, I receive a call from Citibank collections, looking for {$10.00} saying that I had three missed payments. I told them that I had never received any information from them and did n't even know that I had a credit/business relationship with them. They said they had returned mail and never could get ahold of me. They could n't even give me an account number to dispute the charges with the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX {$1800.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$1200.00} XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX {$1400.00} XX/XX/XXXXXXXX XXXX
Product: Checking or savings account

I have disputed unauthorized transactions Due to fraudulent. I was robbed and they took my card, Wallet and phone. Im trying to dispute this activity because it wasnt me who made theses transactions. 
XX/XX/2024 I believe
Product: Debt collection

NAVY FEDERAL CR UNION XXXX XXXX XXXX XXXX XXXX, VA has been harassing me since XXXX  for a credit card that was open fraudulently in my name due to identity theft.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdrafts fees I have occurred. Despite having sufficient funds when transactions were authorized, I charged fees due to lagging posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I contacted Experian through their web site requesting the full account number on one of the reported accounts on my credit report. 

On XX/XX/XXXX I received an email directing me to call an XXXX number. 

On XX/XX/XXXX I contacted Member Services at XXXX as instructed by the letter. 

I spoke to XXXX. XXXX stated she could not provide me with the specific account number I had requested. 

I asked for a supervisor. She then asked me if I wanted to talk to someone else. I said no, I would like to talk to a supervisor. 

Claims the first supervisor declined the request. She said she would try to get a different supervisor. 

I asked for the supervisors name. XXXX did not give it to me. She said she talked to another supervisor. She stated that the second suoervisor also said they would not talk to me. Finally she gave me the names XXXX and XXXX. 

When I persisted she finally said I would have to talk to someone in the dispute department and ask for supervisors at dispute department. XXXX central time at XXXX. This is the same number I called to talk to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I previously wrote you to investigate and verify a bankruptcy listed on my credit report and I received a response that the bankruptcy was verified with the bankruptcy court. 
Experian did not respond to me in writing and include the method of verification under FCRA 611 ( a ) ( 7 ). 
I contacted the courthouse to verify their information release policy. The court informed me that they do not provide anyone with a debtors full social security number and they do not provide ANY credit bureau ANY information about ANY bankruptcy cases. 
Secondly, As I previously stated in my 1st dispute, the information is inaccurate on my consumer report. It is listed on my consumer report as XXXX XXXX XXXX XXXXXXXX. Which is incorrect. The Correct name is United States Bankruptcy Court. The state and zip code are also not listed in report. 

It is quite clear that someone from Experian lied about verifying this bankruptcy with the courthouse. That is a violation of the Fair Credit Reporting Act ( FCRA ). 
As you know, it is also a violation of the FCRA to report inaccurate or unverifiable information on a credit report. Thus, I demand that you IMMEDIATELY REMOVE the following bankruptcy from my credit report : XXXX XXXX XXXX  Docket # XXXX Please respond to me in writing and include the method of verification under FCRA 611 ( a ) ( 7 ). This should include the following : Please respond to me in writing once this removal has been completed. 
Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

There was a fraudulent charge of {$6800.00} charged to my Checking account by CoinBase. I do not have a CoinBase account, so I believe someone has stolen my bank account information and made the unauthorized charge. I have contacted CoinBase and they have refused to investigate the issue, saying that it is my bank 's responsibility to investigate it. I believe this is an unacceptable response from a US based company. If they are unable to provide a secure method of processing transactions to minimize fraud, they should not be in business.
Product: Money transfer, virtual currency, or money service

Cash App closed my account due to Terms violation but demands verification impossible due to account closure. Created paradox preventing resolution. Need assistance resolving disputed transaction ( {$7000.00} ) and reopening account. ''
Product: Mortgage

I have disputed forXX/XX/2024,XX/XX/2024,XX/XX/2024, and this company has failed to resolve the inaccurate and incomplete information that is being reported on my credit reports. They stated that they are allowed to report my XXXX as XXXX XXXX which implies incompleteness of the account, and still failed to mark XXXX I disputed with the CRAs as disputed. They have not updated anything since I have been disputing against this company. This company is violating my rights under the FCRA and don't seem to think they are doing anything wrong. They failed to update the CRAs with accurate info since I put them on notice, they failed to mark the account as disputed, and they neglected to resolve the inaccuracies regardless of the fact that I stated that they are damaging my reputation, and it is causing actual damages and is inconveniencing my marriage and family. This is a cry for help. I don't have the funds to sue, and I am sick of this company abusing and taking advantage of me and my family while they continue to take our money. This company persistently violates the FCRA with no conviction while stating by default that my account is verified and that it reports accurately. This issue is seen in my XXXX report, XXXX report, and XXXX report.
Product: Debt collection

LVNV funding llc is claiming i owe XXXX and filed a collection on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX KEEPS REMOVING MY OPTION TO FREEZE/UNFREEZE MY OWN REPORT.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$260000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Checking or savings account

I received a direct deposit from my job on the XXXX of XX/XX/2021 my bank stole my whole paycheck and said they did so because I didnt have funds in my account for 5 XXXX XXXX Transaction and a XXXX XXXX meal i they also claimed that my cell phone payment didnt clear either all of it was a lie I had an estimate of XXXX in my account when my payment was made for the cellphone bill which was immediately debited from my account I called XXXX they also said that money was immediately debited Wells Fargo was very rude and when I told them and said well Im only returning the over draft fee when they were caught in the lie also the lie about my XXXX XXXX stating that there was no money in my account and told me to call XXXX XXXX  so I called XXXX XXXX on XX/XX/2021 and the agent told me that this is shocking that my bank did this the agent also stated that XXXX XXXX is immediately debited from your account they dont use 2day hold the money is immediately debited from my checking account and if there is no funds in the account it will be declined for XXXX XXXX the agent at XXXX stated the money is instantly sent to the recipient like exchanging cash from hand to hand she also stated that if the account do not have the funds the sender is sending from checking account it will not go through even if I have overdraft protection it wont go through which I do not and never had over draft protection on my account if funds are not in the account then I can not make purchases of any kind on XXXX transactions restaurants stores or no where but well Fargo will still use treachery bank practices to steal money out of my account Im a XXXX worker my daughter contacted XXXX at the worst time in my life my bank Wells Fargo decided to ruin my life not only have I been out of work taking care of my sick child but they stole my last paycheck I received after being out of work taking care of my daughter with XXXX I could not buy disinfect products and they caused me to be stranded at my kids doctors office because they decided to steal all of my money after I booked a XXXX  ride to my doctors office for my daughter XXXX appointment Im disgusted with the cold and callous actions of this bank Wells Fargo and its not the first time I want to file a complaint and a law suit against this bank
Product: Credit reporting or other personal consumer reports

The credit bureaus ( XXXX XXXX, XXXX, Equifax, XXXX ) All are reporting inaccurate information on my credit report. I reached out to them to have this information verified and deleted. They responded that they verified the information, which they clearly DID NOT. The information they are reporting is incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion are reporting incorrectly a collection/charge-off in the amount of {$12000.00} on XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I purchased a vehicle and along with this purchase there was also a factory warranty. Shortly after it was purchased the vehicle started to break down. I took the vehicle into the dealership to be serviced. The dealership would not honor the warranty. I was reluctant to continue to make payments on a vehicle that was not running. I tried numerous times to work with the dealership to fix the vehicle and honor the warranty however, they refused. The dealership took the vehicle back. There is no outstanding balance due and owing and this account. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) against Mercedes-Benz Financial Services USA LLC regarding their failure to respond to my dispute. 

On XXXX, I mailed a dispute letter to Mercedes-Benz Financial Services USA LLC requesting a record of any missed payments, including due dates and amounts due, if applicable. Despite my request, I have not received any response from Mercedes-Benz Financial Services USA LLC to date.

As a consumer, I have the right to request and receive accurate information about my account from Mercedes-Benz Financial Services USA LLC XXXX Their failure to respond to my dispute is a violation of my rights as outlined in the Fair Credit Reporting Act ( FCRA ).
Product: Mortgage

I was charged my annual fee twice. Once through automatic debit from my checking account and once by them adding it to the balance of my account.
Product: Credit reporting or other personal consumer reports

This debt collector engaged in XXXX, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make these unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly, they violated my rights.
Product: Debt collection

Hello, I received a letter from Portfolio Recovery trying to collect a debt for XXXX XXXX that had been disputed and removed from my credit report through a bankruptcy and length of reporting a debt. 

This XXXX XXXXXXXX credit card is not showing on either one of my credit repositories. I filled Bankruptcy in XXXX. This card credit was included in the bankruptcy. Please have Portfolio Recovery stop sending me correspondence. This debt was removed and due to the length of the debt is no longer reported. 

I would NEVER do business with XXXX XXXX. They have been sued on so many occasions for dishonest business practices. I even had identity debt back then with XXXX XXXX and they had to remove false credit card information. This debt is fourteen years old. You can pull up my bankruptcy papers in CA if needed. I know attorney can pull the file through ( PACERS )
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX