23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

USAA Federal Savings Bank ] [ XXXX XXXX, TX XXXX Subject : Cease and Desist Collection Efforts for Accounts # XXXX Dear USAA Federal Savings Bank, I am writing to formally request that you cease and desist all collection efforts regarding the accounts referenced above/below. According to the Fair Debt Collection Practices Act ( FDCPA ), it is unlawful for a debt collector to attempt to collect a debt that is time-barred without disclosing its unenforceability. 

As per the ruling in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ), your collection attempts on these accounts without proper disclosure could mislead an unsophisticated consumer to believe that the debts are legally enforceable. Therefore, I demand that you immediately stop all communication with me regarding these debts and remove any negative information related to these accounts from my credit report.

The details of the accounts are as follows : Account Number : XXXX Balance : {$16000.00} Balance Updated : XX/XX/XXXX Credit Limit : {$15000.00} Account Status : Closed Date Opened : XX/XX/XXXX Account Type : Credit Card Account Number : XXXX Balance : {$21000.00} Balance Updated : XX/XX/XXXX Credit Limit : {$20000.00} Account Status : Closed Date Opened : XX/XX/XXXX Account Type : Credit Card Please confirm in writing that you have ceased all collection efforts and that you will not report these debts to any credit reporting agencies.

Thank you for your prompt attention to this matter.
Product: Checking or savings account

I opened a checking account at Citizens Bank many years ago. In XXXX, I legally and officially had my name changed. I brought the necessary paperwork to my local Citizens Bank branch to get the name changed on my account. Citizens was very resistant to making this change. I had to bring the paperwork back to them several times because they either ignored it or claimed that it had been lost. After months of hassle and discrimination, I decided instead to close the account completely. I requested that the account be closed after I emptied it in XX/XX/XXXX. Somehow, before it was completely closed, another charge appeared on the account and Citizens refused to close the account until the charge was covered. 

If Citizens had complied even once with any of my requests, there would not have been any charge that went through to that account. However, now I can not close it and it continues to accrue hundreds of dollars in fees. 

Additionally, my XXXX stimulus payment was later deposited into that bank account since I could not stop it in time, and Citizens used my stimulus money to put towards the charges that they created. 

Because the bank did not do me the service of changing my legal name, and treated me terribly, and subsequently stole my money, I am very angry and upset. I am already in a very difficult financial position and I did not expect my bank to contribute to that position as their customer.
Product: Mortgage

We purchased our home in XXXXXXXX XXXX XXXX. Some time after the new year we noticed some grey water stuff on the ground I called our agent who told me to call the county to ask for a septic record. Upon speaking with the county they informed me that they had no record of a septic for this address. A few weeks later the county was knocking at my door with a letter stating we are in violations of unpermitted residential structure and septic systems. Compliance must be met in 30 days or we would need to vacate or start getting fined {$270.00} a day until its brought to code.

Keep in mind when we bought this shop house we had this appraised and the appraiser did not check permits, the license home inspector did not flag the electrical services being unpermitted. The septic company who pumped it did not note the septic outlet or the issues with it not being permitted.

After getting the letter from the county we got a lawyer to go after the sellers because we then found out that they knew this entire places wasnt permitted but didnt disclose any of this.

The county was willing to work with us as long as we made progress on getting it up to code. They recommended before doing anything expensive to have a engineer come out and see if doing all of this was worth our time and money. We paid to have someone come out they went over everything and told us we would be looking at XXXX to bring the house up to code.. not including the septic ontop of that. He gave me a list of things that needed to be done via phone. Stating 70 % of this house would need to be demoed : The wall between the house and shop was not fire tapped, the secondary level flooring is failing by 120 % and would need beems placed in, the insulation in the roof isnt thick enough so that would need replaced but we cant lower the ceiling any lower so you would need to go in via the roof. All of the trusses would need replaced to support the heavier load. All the windows in the house are to small and need bigger, also sky lights put in, back up heating in each room, wired in smoke detectors, vapor barrier under the flooring that was put in. There was rough cut wood that was used in the build of this that needs to be replaced.. This was just a short amount of the issues. At this point of paying a {$3500.00} mortgage and a lawyer we then decided we can not afford to complete this. Our lawyer stated this is a buyer beware stated and it would be hard to prove fraud. He stated we had at 25 % chance of winning the inside issues and about 75 % chance of the septic. At this point the septic was our least worry. 

I called Mr Copper to ask them if they would be willing to work with us. We would need a loan to bring in a manufactured home with out our payment increasing any more and they recommended foreclosure.

At this point the county now deems this place as uninhabitable and in violation of code. The engineer said if it was up the them, they would red flag the place. 
Thank you XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a reme
dy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please CORRECT the accounts, or inaccurate information, from my file immediately XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

The Fraudulent Activity happened on XX/XX/2018. I am a victim of Identity Theft. I responded to an email that led me to an unverified site that causes my account including my credit card information to be hacked by someone I do not know.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : DEPT OF EDXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : DEPT OF EDXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX 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 an 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 even if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

On XXXX XXXX, I was trying to finalize the payment for groceries at XXXX when my card got declined. I contacted Capital One by phone and I was informed that my card was flagged with fraudulent activities. The attendant asked me several personal questions and asked me to confirm several purchases. After all confirmation, they informed me that my account would have to be CANCELLED and a new card would have to be reissued for my protection. The problem is that I am currently moving from XXXX to XXXX and this was my primary card during this entire time. With such being cancelled, I had NO CARD OR MONEY until the new one arrived. Besides all this incovenience, I had to wait in line at XXXX while waiting for Capital One to resolve the problem for almost 2 HOURS on the phone when they finally informed me that there would be no solution and I would have to wait until XXXX XXXX when the new card would be sent. With no other alternative, I had to cancel the FOOD purchase and return home since I had no buying power to do anything. On XXXX XXXX I received the card in the morning. I activated the new card and returned to Target to try to buy FOOD once again. When I got to the cashier, the card got DECLINED AGAIN!!!!! Once again, I called Capital One and I had to wait another 30min to be answered and be told that the card was flagged with fraudulent activities. Once again, I confirmed all my account information and all purchase transactions. The card was finally unlocked and I could finalize the purchase but this is simply unacceptable! I was left stranded in a new city by Capital One without any buying power and with my card locked for 72 hours besides all the long waiting time on the phone to be answered and to have any problem resolved. CAPITAL ONE IS LITERALLY THE WORST BANK EVER! I WILL TAKE THIS CASE TO COURT!
Product: Credit card or prepaid card

Hi, I am writing with a complaint about Chase Sapphire Reserve card benefits. The card is advertised as having travel insurance as one of the free benefits on the card, it is advertised to protect the covered cardmember and his/hers immediate family members while in a scheduled common carrier trip and also for 30 days from the beginning of the trip that the airline tickets were purchased with on this card. My sister has passed away while on a trip that the airfare was in full paid on this card, from a faulty sidewalk by sustaining a brain injury within the 30 days of the covered trip. Less than a week after this accident I have contacted chase 's outsourced company XXXX XXXX it has been already more than 4 months and they still have not sent out the payout for the accident, they try to slow down the process as much as they can. All of the required documentation has been sent out in the first weeks. The biggest problem right now is that the XXXX  agents call from unknown numbers ( taking into consideration that they always send email to notify if any additional documentation is needed or if there is a change to the claim ) and try to fool me and say that the claim should have already been denied and make up fake rules of the benefits that are not listed at all in the guide to benefits to make people give up on the claim. In our case, all the terms and conditions are met. To make sure that the agent was lying and misleading us we called the Benefit administrator with a recorded call and asked about the benefits- he confirmed that we meet all the terms and conditions and saying exactly what is advertised by chase that any trip with purchased airfare up to 30 days is covered if there is the accidental loss of life. With it being almost 5 months since the claim is initiated and it being so hard for us- it is immoral to trick people to deny them the claim, please investigate this! Such a phony business should not be associated with Chase and if it is, don't advertise the benefits that XXXX  will try to trick you out of! The Chase Sapphire Card that costs {$550.00} per year is advertised as a first-class travel card with the best travel benefits - with this kind of service it is a misleading statement and a lie. By advertising this they are committing fraud.
Product: Payday loan, title loan, or personal loan

Took out loan of $ XXXX..Have paid back amount of loan plus {$210.00} they still want {$450.00} to settle account. Believe they are illegal in state of Florida based on interest rate and cap of {$50.00} per {$500.00} borrowed
Product: Checking or savings account

I am reaching out today regarding my Capital One 360 checking account. I opened an account with Capital One in XXXX and it has been horrible every since. Capital One allowed somebody to open a checking account in my name fraudulently and I found out about it a year ago. It took yall 1 year to investigate and do nothing. I called a year later and the issue was still not resolved. Mysteriously when I called it was able to get fixed over the phone within 48 hours. I opened my own personal checking account and they continue to keep putting somebody else 's dob on my account locking me out of online access. I don't need to stress how difficult it is to manage your bank account without being able to see into your account. I have called multiple times regarding this situation and it was able to be fixed after I was locked out for 30 days. I then took a nap on XX/XX/22 and woke up to being locked out again I then called on XX/XX/22 to be told once again they have updated my information to the fraudulent person 's information again. Now I can only imagine how many laws are being broken by updating somebody else information onto my account, however, nobody seems to care as it continues to happen and they advise they don't have a permanent solution for them not to put fraudulent information on my account. How do I know you are not placing my information on somebody else account? Also, I keep getting told it will be XXXX business days before I gain access to my account. I don't understand why I keep getting locked out of my account it is not my fault and I have to keep waiting 15-30 days to gain access for XXXX days to be locked out again and start the process all over again. This is completely unacceptable and illegal to allow somebody to open an account in my name and not have them verify any information and to keep placing somebody else information on my account. I have provided all the information they have requested, debit card numbers, credit card numbers, sent in my driver license number, gave them my full social and they still will not provide me access. Now had they only taken this much determination when they allowed somebody else to open an account in my name I wouldn't be in this position.
Product: Student loan

I have Sallie Mae loans on my reports that were paid off by the US Dept. of Ed during a consolidation of my loans when I left school. The loans are all now more than 10 years old and paid off for that period of time. According to the FCRA which I never see enforced by the CFPB, the old information is to be deleted when it reaches the expiration date. For positive credit it's 10 years, for negative credit it's 7 years. These items were positive and paid off in good faith by the US Dept. of Ed. The items are ALL MORE THAN 10 YEARS EXPIRED AND SHOULD BE REMOVED FROM MY CREDIT REPORTS - ALL OF THEM!!! I've repeatedly disputed this info with XXXX, XXXX XXXX XXXX XXXX to no avail. They continue to contact the Student loan provider stating the info reported is " inaccurate '' not " STALE DATED & DUE FOR REMOVAL ''!!! If Sallie Mae or whoever they call themselves now do not remove these items from my reports effective immediately then I will sue them in civil court and go for monetary damages. I have all of my documentation to prove how many times I've disputed this with the bureaus including copies of complaints filed with the CFPB, that I've tried to resolve this issue yet no one seems to understand the disputes clearly spelled out other than me. Don't care how long it takes to get a court date I'll be ready! Remove all of the outdated accounts now or risk being sued. I'll go after all 3 credit bureaus too since Sallie Mae pays them to report inaccurate credit information. We can do this the easy way or the hard way, their choice!
Product: Credit reporting or other personal consumer reports

Please remove three fraudulent items from my credit report as soon as possible
Product: Vehicle loan or lease

Santander Consumer USA was involved in a multistate consumer lawsuit regarding unscrupulous business practices. The relief/restitution in this case file # XXXX was for the loan accounts that were in default but were not repossessed, Santander was to allow the consumer to keep the vehicle, remove the debt from the CRAs and provide the title to the car. Santander did everything aforementioned, but they failed to send my a clean title, and to this date, Santander refuses to give me the title. I have tried several times with them but get no where with their customer service representatives who continue to tell me that I have a balance. 

Now as of XX/XX/year>, the car was involved in an auto accident and I need a clean title to this vehicle but they still will not grant me my title. 

This company needs to be reinvestigated for the practices.
Product: Credit card or prepaid card

My credit card statement shows a charge of {$33.00} from XXXX on XX/XX/2021. The last time I rented a movie from XXXX was XX/XX/2021 for {$3.00}. I tried calling my credit card company. The customer rep refused to process my dispute, saying the charge is NOT fraudulent. I tried disputing the charge online and the submit button stayed gray and my dispute would not go through on the credit cards website.
Product: Consumer Loan

I recently received a copy of my XXXX.The credit report showed a credit inquiry by American Credit Acceptance on XXXX/XXXX/XXXX that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. If you believe that you posses sufficient documentation that supports your authorization to make the inquiry, please send me a copy to my current address so that I may verify its validity. 

American Credit Acceptance requested a 60 day extension to resolve this matter. This is a direct violation of the FCRA. By requesting a 60 day extension when the original dispute was filed XXXX XXXX, XXXX is evidence that American Credit Acceptance does not have the information necessary to justify the inquire that is currently displaying on my XXXX Credit Report. American Credit Acceptance is in direct violation of the FCRA Section 1681 ( a ) ( 4 ). I request that American Acceptance remove this unverified inquire from my XXXX Credit Report Immediately. I intend to seek legal action if American Credit Acceptance continues to willingly and knowingly deny my rights under the FCRA and for damaging my creditworthiness and credit score causing great distress.
Product: Credit reporting, credit repair services, or other personal consumer reports

A on authorize hard inquiry was made on my XXXX  credit report by Capital One on XX/XX/2018. I have contacted Capital One as soon as I received the alert. I was told someone was trying to open an account but the information was incorrect so the account didnt go through. I was told the hard inquiry removed but it is still on my credit file.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal credit union regarding multiple overdraft fees. I have incurred despite having sufficient funds when transactions were authorized. I was charged fees due to lag posting of charges and credits this issue aligns with the recent CFPB findings against Navy Federal for similar procedures were transaction 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, credit repair services, 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. 
XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX : XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX 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 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: Mortgage

MY MORTGAGE COMPANY LOANCARE IS CONTINUING TO TAKE MONIES FROM ME I DO NOT OWE. IN XX/XX/XXXX MY HOMEOWNERS INSURANCE WAS DUE. MY INSURANCE COMPANY PEOPLES TRUST WAS PROPOSING TO CHARGE ME {$2800.00} FOR INSURANCE. I MADE ARRANGEMENTS WITH MY MORTGAGE COMPANY TO LET ME PAY A MONTHLY AMOUNT UNTIL THE INSURANCE INCREASE AMOUNT WAS PAID. THE AMOUNT WOULD BE {$20.00} MONTHLY. AFTER I CONTACTED MY INSURANCE AND AFTER MY HOME WAS INSPECTED THE INCREASE DID NOT TAKE PLACE. MY INSURANCE DECREASED TO {$2100.00} FOR THE YEAR. MY MORTGAGE COMPANY CONTINUES BILLING ME FOR THE {$20.00} UP TO KNOW. I HAVE CALLED SEVERAL TIMES. I FILED A XXXX COMPLAINT ON XX/XX/XXXX .I WAS CALLED ONCE SINCE THEN I WAS TOLD MY ACCOUNT WAS BEING LOOKED INTO. I KEEP CALLING LOANCARE .NO ANSWER THE MESSAGE IS LONG WAIT TIMES TO GO TO THE WEBSITE. I HAVE NOT BEEN ABLE TO GET INTO THE ONLINE ACCOUNT SINCE XX/XX/XXXX WHEN THEY BECAME MY MORTGAGE COMPANY. I CANT SEE WHAT I OWE ON THE HOUSE .I CANT SEE MY PAYMENTS TO MATCH WITH MY BANK STATEMENTS. I WANT MY ACCOUNT UPDATED .I WANT TO BE ALE TO GET INTO THE ONLINE SERVICES. I WANT MY MORTGAGE AMOUNT CORRECTED. PLEASE ANY HELP YOU CAN PROVIDE WILL BE GREATLY APPRECIATED. 

THANK YOU