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

XXXX XXXX XXXXUPDATED XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-UPDATED XXXX XXXX-UPDATED XXXXXXXX XXXX XXXX XXXX-UPDATED XXXXXXXX XXXX XXXX-UPDATED This is not telling me how we're these account XXXX . 
So once again I'm requesting method of veification for the accounts above, not an update but verification. 
I request that you send me this information so that I know that the investigation was in fact conducted properly. If yo are unable to respond in a timely manner and /or provide me with the requested documentation, please delete the accounts ) from my credit report. 
Thank you,
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute threw the CFPB asking XXXX, TransUnion, and XXXX to investigate my accounts. According to XXXX XXXX XXXX - XXXX, TransUnion, and XXXX have 30 days to investigate and send me the results and are supposed to record the current status of the disputed information which they did not and also did not update the status/date of dispute which is another viloation. These consumer reporting agencies are in violation. Evidence provided below with violations. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

double withdrawal of XXXX producing XXXX and excuse discussions by different represenatives as to the whereabouts of the deposit initially into TD Simple Savings. 

The request I made for an indemnification letter was being loomed around by he reps, they seemed to act as if it was not such thing. 

TD Simple Savings account XXXX routing XXXX
Product: Debt collection

On approximately Saturday, XX/XX/XXXX I was served with a summons stating I was being sued my Midland Credit Management for {$1800.00}. I have never received notifications from this company in reference to this debt. I received a phone call from a debt collector but they never stated their name therefore I did not speak to them. The summons stated to provide a written response within 14 days of this date and I sent a certified letter on XXXX XXXX denying the debt I was being sued for and requested the contract that I should have signed if it was my debt. Neither the court or Midland Credit responded that they in fact received my letter. 
On Saturday, XXXX XX/XX/XXXX, I received a default judgment against me stating I owed this debt. I was never sent a trial date, therefore Midland Credit won the suit by default. I have checked all 3 credit reports and nothing of this value is being reported as a collection item or charge off. I did notice that Midland credit did in fact run my credit against my knowledge four times in XXXX. 
This is not my debt and now due to a default judgement against me I am having to pay Midland Credit Management for the amount of {$1800.00} plus 5 % if not paid in full. If I appeal the decision the amount is estimated to be roughly {$3900.00}.
Product: Debt collection

Today XX/XX/XXXX, I received a letter from Bank of America stating that " my loan is in forclosure process ''. They are threatening to forclosure on the property again. 

I sent a letter via certified mail to their Attorney on XX/XX/XXXX and have not received a response yet. 

I have sent another letter to XXXX XXXX handling the case on XX/XX/XXXX and still have not received a response.
Product: Debt collection

AMCOL SYSTEMS continued to report a collection account on my credit when the debt was paid in full XX/XX/XXXX. I've attempted disputing this account twice with all bureaus in addition with them directly and AMCOL Systems continues to report it as a collection account which has prevented my credit score from improving and is negatively impacting my ability to develop future credit worthiness. 

Amount of Debt originally owed XXXX Amount and date of last payment XXXX XX/XX/XXXX Last reported collection on credit XX/XX/XXXX and is still present today Today 's date XX/XX/XXXX AMCOL SYSTEMS XXXX XXXX XXXX XXXX, SC XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Well that's Experian has denied us credit experience lies on emails almost on a daily basis I keep all my email records so you can see them they they do not produce what they say they're going to produce and emails not once they keep sending me to see my credit score see my credit score through them and never happens they send me somewhere else it wants to charge me a dollar I do not think this is fair and legal practices they just bogarted my annual free credit report twice all the sudden it's got glitches and I still have yet to get my free annual credit report much less the credit score they also can not produce on their online website a credit score for me this is XXXX XXXX the same XXXX reporting live
Product: Checking or savings account

I am writing today about a complaint I have with Capital One. Today I had all my checking accounts blocked for activity by the Capital One security department. I called the number XXXX XXXX XXXX XXXX XXXX provided by Capital One to see what was the reason behind locking my accounts up. After talking with several agents a supervisor and a Manager no one was able to tell me why. I was just told it is because of a small business loan I received for SBA.gov. I am still trying to understand why would Capital One lock my checking accounts up for a government-issued loan. All I got were threats on closing my account from an entry-level agent name Breach or something as I could understand him saying his name. I was able to talk to XXXX who is a supervisor he transferred me to after looking for better help. XXXX was great but also unable to answer any questions about what was going on with my checking accounts. I need to know why did Capital One wait 3 months to ask questions about the small business loan deposit. And also why was my account was locked for a government-issued small business loan deposit as stated when the funds were deposited into my account. It is sad to see that we are going through a pandemic, small business is closing, people staving and losing a roof over their head and my checking account is being locked up for a small business loan I received.
Product: Credit card or prepaid card

On XX/XX/XXXX I went online to pay XXXX XXXX XXXX XXXX XXXX, XXXX. It was not clear to me that the payment made was for future service from XX/XX/XXXX to XX/XX/2017. I used a Chase Visa Debit card to pay {$100.00}. We have cancelled our service from XXXX XXXX, since we have sold our house and are moving out of state. This payment is for a time period that the new owner is responsible for. In contacting Chase Bank, I was told that they can not reverse the charge and that I need to seek restitution from the vendor, directly. This is not time effective. 

Also, I have cancelled my XXXX XXXX service at the old house and I have implicitly told XXXX XXXX that I DO NOT authorize them to take a " cancellation fee '' from my debit card or any credit card or directly from my bank account, as I am using an XXXX XXXX XXXX service at our new house. They are owned by the same company. In addition, we have documented evidence that the XXXX XXXX service and satellite interfered with the signal for our XXXX XXXX for our dogs, causing our dogs to be in danger of running away or getting hit by a car. 

Chase bank has been awful to deal with and has been so grossly unhelpful in resolving these situations.
Product: Credit reporting or other personal consumer reports

I made multiple payments in XXXX for my Discover card for the month of XX/XX/2023. XXXX XXXX XXXX XXXX ( XXXX ) ( 12 U.S.C. 5481 et seq. ) : The XXXX established the Consumer Financial Protection Bureau ( CFPB ), which plays a significant role in overseeing and enforcing consumer financial protection laws, including those related to credit reporting.closure pursuant to 15 U.S. Code 1637 - Open end consumer credit plans. Because of this willful and knowing violation, there is a negative rating on my credit report. Pursuant to 15 U.S. Code 1611- Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 2 ) uses any chart or table authorized by the Bureau under section 1606 of this title in such a manner as to consistently understate the annual percentage rate determined under section 1606 ( a ) ( 1 ) ( A ) of this title, or ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter. Discover claims they do not mark payments late to reporting agencies unless 60 days late which this account certainly has not been. Fix any late payment regarding this account or litigation route will follow.
Product: Checking or savings account

Starting XX/XX/XXXX there has been over 150 transactions that Wells Fargo allowed a company to withdraw funds from my account into an account that I did not create nor did I authorized, I do not have an active account with this merchant.I contacted the merchant first is due to the fact that companies can not allow a transaction to be posted if the information such as the name on the card or bank account do not match the name on the company account that the money is being deposited into. first things first I reached out to this merchant they informed me that there has not been a deposit made into my account since XX/XX/year> and that there is nothing they can do about the transactions that I do see on my bank account. Meaning Wells Fargo was allowing these unauthorized transactions to continue to this merchant! so I proceeded to contact Wells Fargo, I informed them of the situation and then they put me on hold after creating a claim. Once I got to a claims agent, they said that they were gon na look into it and that they're still pending transactions and so they can not start the investigation yet so this is quite frustrating. they did cancel that card and said that they will be shipping me a new card after the damage was done. The upsetting part regarding this, is this isn't the first time that Wells Fargo has allowed such things to occur, six to seven months ago back in XXXX. me and my wife both have an account with Wells Fargo her as a XXXX and me as the XXXX XXXX XXXX it's just quite frustrating since our biweekly are directly deposited to this bank and then saw my bonuses and so the fact that funds are being just withdrawn without even a notification is quite frustrating. I've gotten several text notifications when small other transactions, but yet consistent transaction that has occurred for over now two months was not. Flagged is just frustrating. I was hopping that they would do their due diligence to make sure that no unauthorized transactions especially from accounts that don't match my name, nor phone number or email on it will be processed, the fact that I had to reach out to them after over 150 transactions were already processed is ridiculous.
Product: Debt collection

Actually in a lawsuit but may arrangements to pay {$100.00} on the XXXX th of each month. Still calling
Product: Checking or savings account

Having overdraft fees when i wasn't supposed to and being charged and told I wasn't eligible
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several inquiries on my credit report generated by Equifax. Particularly, there is an inquiry on my report that I DO NOT recognize nor did I provide authority to be made ( See attached copy of credit report ). To be clear, the inquiry specified is XXXX XXXX, inquiry made on XX/XX/2020. While I have an active credit card with XXXX XXXX, I did not make any inquiry on XX/XX/2020. Nevertheless, I did not have any interaction with XXXX XXXX. When I called XXXX XXXX, they said they DID NOT have a record of making any inquiry. 

By way of certified mail, on XX/XX/2020, I wrote Equifax and disputed the foregoing inquiry. ( See attached copy of dispute letter with proof of service ) Dated XX/XX/2020, I received a response from Equifax, and Equifax deemed the inquiry is " verified as reported. '' On XX/XX/2020, I wrote Equifax to provide their method of verification, to conclude the inquiry was verified, pursuant to Section 611 ( a ) ( 7 ) of the Federal Credit Reporting Act. 

However, dated XX/XX/2020, Equifax responded to the letter requesting its method of verification by simply resending the same letter it initially sent ( XX/XX/2020 ) without any detail or specificity with how/what methods it took to verify the inquiry.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX. 
XX/XX/year> Social Security XXXX Subject : Request for Verification To Whom It May Concern, I am writing to dispute the following information on my credit report. The items I dispute are also circled on the attached copy of the credit report I received. I am formally requesting you to Verify the accuracy of this account ( s ) as directed in the FCRA 15 USC 1681 e ( b ) which states - Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Account Names & Number ( s ) : XXXX ( XXXX ) Your failure to provide the requested information within 30 days of completing your investigation is a violation of the FCRA and subjects you to potential legal action for non-compliance. 

Be advised that any vague or non-specific explanations, such as verified through our automated system, are unacceptable and non-compliant with the FCRA. 

If the disputed information can not be verified, the law requires you to promptly delete it from my credit report. If you do not cease reporting these items, I will consider taking further action to ensure compliance, including filing complaints with the Consumer Financial Protection Bureau, the Federal Trade Commission, and potentially initiating legal proceedings. 

I am aware of my rights under the Fair Credit Reporting Act, and I am prepared to pursue all legal remedies to ensure these rights are upheld. Your prompt attention to this matter is expected. 

Sincerely. 

My contact information is as follows : XXXX XXXX XXXX : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX. 

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
**Enclosed** - A Copy of valid driver 's license/state ID/passport, SSN card, and proof of residence & a copy of the page on your credit report with the disputed items circled.
Product: Debt collection

In XXXX of 2021, I discovered that a former tenant had stolen my identity. I found this during the eviction process & after reviewing my entire credit report. There were several XXXX  XXXX XXXX accounts opened up in my name. I immediately notified the XXXX  XXXX XXXX fraud unit and also provided them with my Police report, FTC report, Drivers license, and a utility bill. XXXX  XXXX XXXX continues to affirm the accounts stating that payments were made on the account ( s ) from a checking account in my name. Ive tried to object to their decision because there were three fraudulent checking accounts also opened by the fraudsters. I do not know what more I can do aside from filing a lawsuit against the company.
Product: Debt collection

I was contacted by this company about this debt that I do not owe. At the time of the services provided I was indigent and this account should have been filed under my states indigent fund therefore alleviating me of the obligation
Product: Checking or savings account

On XX/XX/2023, an unauthorized XXXX transfer was made for {$200.00} to XXXX XXXX XXXX located in Texas. Where I live in georgia. I immediately filed a fraud claim with Wells fargo and they changed my account number, username and password. However even when reporting this unauthorized XXXX transfer, my account yet again able to be logged into and XXXX transferred {$1000.00} to XXXX XXXX without any approval. Wells fargo does not want to dispute this and said that the transaction was authorized.
Product: Consumer Loan

In XXXX I purchased a vehicle from XXXX XXXX or XXXX Services. The vehicle is a XXXX XXXX and was in fair condition at the time of purchase. I had recently been involved in a divorce and my options were limited at the time due to bruised credit. I believe this lender has been engaged in predatory lending practices as a result. The loan is based on a simple interest loan exceeding an APR of 24 %. I have had to modify this loan on several occasions thus putting me further and further behind. The current payoff balance as of today is {$10000.00}. The purchase price of this vehicle was $ XXXX over 4 years ago. I have roughly paid over $ XXXX in interest and down payment since the inception. I have on several occasions asked to be refinanced or to put me into another vehicle. The response was that the balance would have to be paid down to {$4500.00} but at this rate that would take another XXXX years. To boot the car currently is in need of over $ XXXX in repair including engine work, and multiple other issues. This loan has since been serviced by Bridgecrest. Please look into this loan to determine if this is predatory lending based on FCRA and other Consumer Finance Laws. 

Thank you!
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I requested a copy of the description of the method of verification procedure used to determine the accuracy and completeness of the disputed accounts in question. Including the name of the company and address and the person name who conducted the reinvestagation process to me. I never received anything from the credit bureaus. I was told I didn't need any documents for the process by their representatives. By State and Federal law, a consumer reporting agency SHALL provide to a consumer a copy of description of reinvestagation process referred to paragraph ( 6 ) ( B ) ( 3 ). Unverifiable accounts MUST be removed from a consumer 's credit file. Silence in this matter is unacceptable. 
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 Inquiry XXXX XXXX XXXX XXXX Should all three credit bureaus continue to attempt to collect these debts without the proper validation, I have the right to sue all credit bureaus in small claims court and subject them to a fine of {$1000.00} per violation as well as my attorney fees and court fees as damages. I would like to remind that the credit bureaus are legally obligated not to report a debt that has not been properly validated. I am sure that the credit bureaus want to resolve this matter as quickly as possible and avoid any unnecessary complications Should they fail to respond to the letter within 15 days. 
Sincerely, XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive contacted Equifax several times regarding this issue. I have never had a loan with XXXX XXXX XXXX. My identity was stolen and accounts opened in my name without my consent or knowledge.
Product: Prepaid card

I work a second job with XXXX and have chosen to have my earnings immediately transferred to the XXXXXXXX XXXX XXXX which apparently is a product of Payfare, and issued by XXXXXXXX XXXX 

On the evening of Monday, XX/XX/XXXX, I was completely unable to access my account on the XXXX XXXX app. After XXXX XXXX  '' that night, I received any error message which read " There was a problem with your transfer. '' I attempted to use my card for a purchase and it was declined. I tried contacting support for the XXXX XXXX XXXX and after 37 minutes without my call being answered, I hung up.

Throughout the night I attempted to access my account through the XXXX XXXX app and was unable to login. 
I called support again and this time, after 23 minutes, my call was answered. I was told " you can't use the app or your card until the current maintenance is complete. '' When I inquired how long this " maintenance '' would last, I was told " we have no idea. '' I later contacted support again, though this time I used the XXXX app ( different than XXXX XXXX app, but the support for the XXXX XXXXXXXX XXXX is the same exact support you contact for an issue with XXXX itself! ) On the XXXX app, I was able to get through to support via live chat on the app. I inquired about the error message I received ( There was a problem with your transfer ) and the support agent informed me they were researching the issue. The information provided was that they assured me I would receive the earnings, eventually. When I inquired as to when that would occur, I was told it SHOULD be there within 72 hours ( it's normally IMMEDIATELY available once my XXXX has ended ) and if it's not, I should contact support again. 
So I can't access the money I've earned, and XXXX can't tell me when the monies might be deposited into my account. 
My XXXX XXXX XXXX  continues to be declined, even though I had other funds in the account prior to the, um, " maintenance. '' The worst part in all is this is that when I work for XXXX, I don't take my wallet with me, since I'm in and out of my vehicle throughout the night. I only take my license, my XXXXXXXX XXXX XXXX  ( used to make purchases for XXXX orders at grocery & convenience stores ) and my XXXX XXXX card. I take my XXXX XXXX card with me to purchase gas while I'm working. Tonight I was stranded at a gas station for over 6 hours because I was on empty and only had the XXXX XXXXXXXX XXXX  with me to pay for gas. Eventually, a kind-hearted complete stranger overheard me talking to a fellow XXXX who was in the same boat I was and they paid for enough gas to get me home.
Product: Vehicle loan or lease

in XX/XX/XXXX I financed a car from XXXX XXXX in XXXX, fl. Almost 4 years later and I have never recieved not one paper regarding the the loan. The orignal excuse I was given was that the printer was broken. Thet promised I could come back the following day and pick up my papers. Never once did they follow through with anything. I have spent years and countless times calling even showing to the dealership multiple times. The people were beyond rude. They would curse belittle and insult me. I also had a friend who I brought with me to help with the whole sitatuation, they even threatened voilence towards both of us as well. When I left the original day I had no idea of anything about the car. I didn't even know the name of the bank. I am currently still trapped in a horrible loan, i was never advised my payment was XXXX/mo. was never told my interest rate was over 27 % either. I had to piece together all the little infomation i had on my own. Wasnt hard to see it was a awful deal. so not only was the dealership awful but they gave me a awful loan as well. Santander has been the worst bank imaginable. Still they will not provide me with any proper paper work. This whole experience has been nothing short of a nightmare. They will not help me in anyway to help with my loan, lower my payment or interest rate nothing ... they harrass me my family even my landlord. They are extremely rude and uncorroptive. I have paid off less than 2000 dollars towards the oringal loan and I still owe almost 30000 dollars on he car after 4 years of even struggling to make a XXXX/mo payment. After all these years the car value is currently around 10000 dollars and had high lied about miles from the beginginig. I am charged outrageous and numerous fees monthly and am litterlaly trapped and have gotten no where. This has been the worst experince nothing has even been explained or even true at all