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

Formal notice that you have failed to respond in a timely manner to my dispute letter of XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

I demand that these accounts be deleted immediately or I will file litigation.I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.
Product: Debt collection

I was the victim of identity theft and a loan with XXXX was taken out fraudulently in my name. I submitted the required paperwork with XXXX to initiate a fraud claim on XX/XX/2022. On XXXX XXXX, 2022 XXXX confirmed that my fraud claim was substantiated. As of today. XXXX XXXX, that claim was confirmed two additional times, on XXXX XXXX and XXXX XXXX. Due to administrative error, the debt was sold to XXXX XXXX XXXX on XXXX XX/XX/2022. I also received a letter from XXXX XXXX dated XXXX XXXX. I contacted XXXX about this, and they confirmed on XXXX XXXX, both via phone call and email, that the fraud claim was substantiated and I was not responsible for the debt. Further, they stated that they had purchased the debt back from XXXX XXXX XXXX. On XXXX XXXX I received a letter from Associated Credit Services saying that I still owed the debt. I contacted ACS on XXXX XXXX and was directed to forward my documentation to XXXX. I did so, however when I returned a phone call from ACS later in the day I was told that my fraud claim had been rescinded and that I need to pay a minimum of {$3200.00} to clear the debt. I refused to do so and the agent ended the call.
Product: Credit card

I called to have all the old accounts removed and they wouldn't do it plus, they wanted me to pay for all of them again I want all of them off my credit report now
Product: Credit card or prepaid card

My son, age XXXX, made a myriad of purchases on XXXX XXXX for some virtual game and these charges were not authorized. I have disputes with XXXX and XXXX. I believe XXXX will take 90 days or so. XXXX had refunded some of the purchases made on my debit card as well as saying they refunded a few purchases made on the XXXX XXXX  XXXX but I have yet to see these in my account. XXXX XXXX has provided provisional credits during the dispute and XXXX sent emails saying the were refunding {$1300.00} of the {$1900.00} to XXXX XXXX but they have not done anything about the charges to XXXX.
Product: Credit card

I made an electronic payment to Chase Cardmember Service on XX/XX/2016 for a credit card payment due on XX/XX/2016. My bank transmitted the payment to Chase electronically at XXXX XXXX on XX/XX/2016 ( a business day ) and debited my account on that same date at that time. Chase posted the payment five days later on XX/XX/2016 and then charged me a {$39.00} late fee. Chase 's posting practice is patently illegal, fraudulent, and designed solely to generate fees.
Product: Credit reporting or other personal consumer reports

I recently noticed on my credit report information that is inaccurate and does not belong to me as i believe i am a victim of identity theft. I would like to all fraudulent accounts removed from my report. As this is impacting and hurting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my credit report there had been an initiation of a credit card account that I did not process, recognize, or Authorize. 

XXXX XXXX  XX/XX/
Product: Debt collection

I received a debt collection letter in XXXX of XXXX about a PayPal debt of {$3300.00}. This was a result of identity theft. I contacted PayPal, they investigated and said I was not liable for this debt. I filed a police report as well. On XX/XX/XXXX I received another debt collection letter from XXXX XXXX XXXX XXXX for a PayPal debt in the amount of {$3300.00}. The debt listed was from XX/XX/XXXX. I believe XXXX XXXX is trying to collect the same debt that was resolved with PayPal last year.
Product: Credit reporting, credit repair services, or other personal consumer reports

At first I received a letter from LVNV funding about an alleged credit card debt with XXXX XXXX. I sent LVNV a debt validation letter and they never validated the debt. Then I get a letter from Resurgent Capital Services collecting on a debt for LVNV and also XXXX XXXX credit card. I sent Resurgent Capital Services a debt validation letter and all they sent me was an " home made '' account summary stating I owe LVNV funding and XXXX XXXX. I also sent a dispute letter to the credit bureau and they were of no assistance. How can a debt collection agency collect on behalf of another collection agency? I can't ALLEGEDLY OWE 3 COMPANIES : Resurgent Capital Services, LVNV funding and also XXXX XXXX for ONE debt!!!! I also sent the CEO of XXXX XXXX an email and have yet received a response. I want this removed from all of my credit reports. This is an illegal act!!!! No one has shown any proof that I have business contract set up with them to put this derogatory tradeline on my credit report!!!! This is ILLEGAL!!!!
Product: Checking or savings account

A deposit was made into my account with XXXX XXXX which is a division of Webster Bank on XX/XX/2022 in the amount of {$40000.00}. The deposit came from XXXX XXXX  XXXX bank. The XXXX XXXX  XXXX account belongs to a friend of mine. I received an email stating the deposit cleared the account. I do not have checks or debit card to access this account. I attempted to transfer the money to my primary account which was at XXXX XXXX  at the time. I received an email from Webster Bank stating the transfer had been initiated. A few days later I received another email from Webster Bank stating the transfer has been stopped. I have made several calls to XXXX XXXX. I have spoked with multiple representatives. Every time I call all they will tell me is my account is under investigation. I have been getting told for 6 months by the various representatives at XXXX XXXX that my account is under investigation. However nobody can tell me why it is under investigation or how long it will take to complete the investigation. 

I really need to get this issue resolved as soon as possible.
Product: Credit card or prepaid card

XX/XX/2020- I purchased a webinar course from a company name XXXX XXXX also known as XXXX XXXX XXXX XXXX. 
XX/XX/2020- I contacted the merchant ( XXXX XXXX XXXX ) for a full refund in the amount of {$9000.00} dollars because service was not rendered. No Response from merchant. 
XX/XX/2020- I called Capital one credit card service to dispute the charge. 
XX/XX/2020- Capital one credited {$4000.00} dollars back to my account. Capital one required me to submit a questionnaire along with the dispute? 
XXXX XXXX I received and returned back the requested form. 
XX/XX/2020 Capital one Re-billed my credit card for {$4000.00} dollars. 
I called Capital one and they stated that they never received the requested form so I had the to resend it. When I requested the form for the second time, I realized that I had already submitted it 2 months, ( the mail has been behind ) XX/XX/2020 I called capital one about the charge and I was told my dispute was passed the deadline and that they sent my {$4000.00} dollars back to XXXX XXXX XXXX XXXX. 
XX/XX/2020 - I called the merchant and they stated that capital was never gave them back the XXXX dollars. 
Name : XXXX XXXX ( merchant XXXX XXXX aka XXXX XXXX XXXX  XXXX ) Name : Capital one ( fraud department )
Product: Credit reporting or other personal consumer reports

To promote the accuracy and fairness of information in consumer credit reports, the federal Fair Credit Reporting Act ( FCRA ) gives consumers the right to dispute incomplete or inaccurate information in their credit file and requires consumer reporting agencies like Experian to forward such disputes to the company that originally provided the information ( called the furnisher ) for investigation. FCRA also requires consumer reporting agencies to reinvestigate such disputes and remove or correct any inaccurate, incomplete, or unverifiable information. The Bureau alleges that Experian violated FCRA by failing to properly conduct reinvestigations of disputed information in consumer credit files; failing to delete inaccurate, incomplete, or unverified information in consumer credit files; failing to provide adequate written notice to consumers of the results of its reinvestigations; failing to prevent the improper reinsertion of previously deleted information from consumer credit files ; and failing to follow reasonable procedures to assure maximum possible accuracy of the credit information Experian reports on consumers. In addition, the complaint alleges that Experian committed unfair acts or practices in violation of the Consumer Financial Protection Act of 2010 by ( 1 ) failing to convey consumers disputes to furnishers fully and accurately, and instead distorting, truncating, and mischaracterizing consumers disputes ; ( 2 ) relying excessively on furnishers to resolve disputes, routinely doing nothing more than sending the dispute to a furnisher and implementing the furnishers response, despite having evidence of that furnishers unreliability ; and ( XXXX ) improperly reinserting tradelines into consumer credit reports due to its practice of failing to adequately match newly reported tradelines to tradelines that were previously deleted as a result of a dispute if the subsequent furnishing was from a new furnisher. The Bureau seeks, among other things, to bring Experian into compliance with the law, consumer redress, and the imposition of civil money penalties.
Product: Checking or savings account

Due to medical costs in the year 2023 and inflation, I have gone under in my checking out a few times throughout the year. Randolph Brooks FCU charges a XXXX courtesy pay fee no matter what the cost of the charge is. The charge could be for a XXXX and they will not waive the fee. I've called and spoken to high levels of leadership to maybe waive a fee or two and it is always a cold-hearted no I receive. Other credit unions in the XXXX XXXX area are a lot more understanding, however, Randolph Brooks, does not have to heart to help one of their members. I even went to a branch and kindly asked a branch manager and the answer was still no. Recently, it was estimated consumers shoulder XXXX XXXX in late fees every month by cutting fees that go to the profit of credit card companies. I feel not enough attention is focused on credit unions and their role in excessive fees to pad their profit margins. Despite my asking mainly due to my medical hardship, they still were not able to waive one fee for me this year. My year-to-date courtesy pay fee with Randolph Brooks Federal Credit Union is {$760.00} XXXX Even half of that waived would have put back hundreds of dollars to groceries, gas, or medical expenses. Imagine the XXXX dollars that credit card companies profit every month from Americans flowing back into the US economy. That number was estimated recently when the CFPB announced the details of the fee limits. Now imagine what the number is for banks and credit unions profiting monthly for overdrafts and/or courtesy fees. I feel the number surpasses the late fees credit card companies are making, money that could be helping inflation by going straight into the economy instead of overly greedy profit chasers.
Product: Credit reporting or other personal consumer reports

The deletion or blocking of accounts resulting from a data breach and unauthorized inquiries is governed by FCRA Section 605B, specifically addressing the blockage of information arising from fraud or data breaches [ 15 U.S.C. 1681c-2 ]. Additionally, FCRA Section 604 outlines the permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. 
I am writing to formally dispute the presence of accounts on my consumer credit report, as referenced below, which stem from data breaches or fraudulent activities. I request tangible, verifiable evidence that bears my signature or electronic signature. I emphasize that this correspondence represents my interests, and I kindly request your thorough review. These actions were undertaken without my authorization, thus infringing upon my consumer rights as defined by the Fair Credit Reporting Act, Section 605B [ 15 U.S.C. 1681c-2 ] and Section 604 [ 15 U.S.C. 1681b ]. 
It has come to my attention that these companies initiated these actions without proper validation or original documentation from any of the reporting entities. 
Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX  XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Incorrect DOB : - XXXX Incorrect CurrentAddress : - XXXXXXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Shellpoint has been taking an excess amount of escrow for property taxes. 

Despite my tax bill of {$2200.00} already having been paid in XX/XX/2023, they have retained {$22000.00} of my property tax money for XXXX. 

Here is a screenshot with all the numbers : XXXX XXXX XXXX I have asked for an escrow analysis and refund pursuant to Shellpoint 's own published policies. I requested it 6 times but they won't respond with any indication of when they will release our escrow funds. 

They are holding them past the date in their policy, which you can see here : XXXX XXXX XXXX I sent multiple messages on their system but they don't offer consumers a copy of the messages so I don't have the dates or message content. But they should have it. 

I also called multiple times and spoke to reps on a recorded line, and the reps said they'd ask for an escrow review -- but I never heard back. All I got were two letters saying the company is looking into my request. 

Thanks for your help. We need our money which is rightfully ours.
Product: Checking or savings account

I hope this letter reaches you in good health and spirit. The reason for my letter is because of my safe deposit box that I had since XXXX. I been having trouble paying on my mobile app and accessing the box it self. Its hard for me to come in the banking branch and pay because Im XXXX. I also didnt work the whole month of XX/XX/XXXX because of my XXXX were worst at the time my doctor took me out of work. I did go in the branch on XXXX and I was given a hard time with no help at all after I explained not having access to my safe deposit box because of the bank and how I didnt work XX/XX/XXXX because of my XXXX. Can you please help me with waiving the {$65.00} safety deposit box fee? Thank you very much for your time and understanding. Please give me a call.
Product: Mortgage

BSI Financial is not timely responding to requests for information regarding the status of applications for mortgage assistance. We have mad several attempts to contact their office but their voicemail requests that we leave a message that will be returned which hasn't happened. The online account workout status has not updated the information we submitted over two weeks ago. The email message response only says we're processing it with no specific information regarding the status.
Product: Debt collection

The medical debts were disputed as an identify theft and dismissed by the original creditor
Product: Credit reporting or other personal consumer reports

Dear XXXX, I am writing to dispute the collection account reported by XXXX XXXX XXXX that appears on my XXXX credit report. I have checked with **Equifax** and **TransUnion**, and neither of these credit bureaus show this collection account on their records. They have also sent letters in the mail stating they have no record of this collection and asked to verify my identity because of it. This discrepancy raises serious concerns regarding the accuracy of the information being reported by XXXX, as required under the XXXXFair Credit Reporting Act ( FCRA ) **.

1. **Violation of FCRA - Reporting Inaccurate Information** Under **15 U.S.C. 1681e ( b ) **, credit reporting agencies are required to follow reasonable procedures to ensure maximum accuracy of the information in consumers ' credit reports. XXXX 's reporting of a collection account that is not reported by XXXX or TransUnion calls into question whether such procedures were followed. 

XXXX. **Violation of FDCPA - Failure to Validate Debt** Under **15 U.S.C. 1692g** of the Fair Debt Collection Practices Act ( FDCPA ), I have not received a proper debt validation notice or assignment contract from the collection agency, as required. This collection account has not been validated, and it is a violation for the collection agency to report this debt to any credit bureau without providing proper validation to me first. 

Request for Resolution : I respectfully request that XXXX take the following actions immediately : XXXX. **Remove the XXXX XXXX : Given that this account is not appearing on XXXX or TransUnion and XXXX validation of the debt has been provided to me, I request that the collection account be removed from my XXXX credit report. Although, I am requesting additional verification from both XXXX and Transunion as well. 

XXXX. **Conduct a Thorough Investigation** : As required under **15 U.S.C. 1681i**, XXXX must conduct an investigation into the accuracy of the information being reported. If this information is found to be inaccurate or unverifiable, it must be corrected or removed from my credit report immediately.

3. **Notify Me of the Results** : I request to be notified of the results of your investigation and provided with an updated credit report reflecting any changes. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

I have sent Loan Care my mortgage company several request to properly adjust my escrow account and to stop collecting taxes in which I am 100 % percent exempt from paying.

I have explained to Loan Care that the tax information concerning my home is in fact stated clearly on the XXXX county XXXX  website. So that all they have to do is go to the website or call the XXXX County PA tax department and ask the tax adjusteXXXX for the tax information concerning my home. 

Loan Care has refused to consider any documentation that I have sent them and they have decided to collect taxes from my escrow account that I do not owe to the county. 

Loan Care told me over the phone that XXXX County of PA submitted a tax bill to them requesting XXXX. This is not true. Loan Care also told me that they are required to pay this tax amount twice a year. This is not true also.

I have explained to Loan Care that the only tax amount that is due is XXXX to the XXXX XXXX XXXX once a year on XXXX XXXX. 

I am asking that Loan Care collect the proper amount of taxes from my account and to adjust my escrow account accordingly. 

Also, I am asking that Loan Care stop connecting me with people over the phone that do n't know anything about an escrow analysis and tax collection.
Product: Checking or savings account

Bank of America to date from 14 days ago still refuses to close my account. I have screen shots and recordings of account activity showing negligence and then giving me a check for the wrong amount. They are allowing payments to get pulled out of my account and said they can not put a stop payment on my account because of the status allowing it to accumulate more fees.
Product: Debt collection

I received an Action to Foreclose a Mortgage on XX/XX/XXXX. Included in that document was an acceleration of the debt. ( Please see attached pages Items 6, 7, 8, 9 ). 

The Acceleration date determined was XX/XX/XXXX. 

The 6 year Statute of Limitations expired on XX/XX/XXXX yet the Plaintiff, through a debt collection agency named XXXX XXXX XXXX, headquartered in XXXX, NY, has ignored the law and continues to attempt to foreclose on my property. 

XXXX filed a subsequent foreclosure Action for the same Plaintiff on the same matter, on XX/XX/XXXX, which is almost two months past the 6 year Statute, which they had to know or did know. This is a willful, knowledgeable, non compliant action on the part of the Plaintiff, XXXX XXXX XXXX XXXX XXXX, Ocwen and XXXX. 

Ocwen 's latest attempt to collect on this debt was a demand for payment dated XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has not removed 2 inquires from XXXX XXXX after being given documentation from XXXX to remove inquires not authorized.
Product: Checking or savings account

On XX/XX/XXXX I realized my account ( debit card ) was compromised and unauthorized transaction were being made. I was at XXXX XXXX XXXX checking out my card declined. I checked my account and realized unauthorized transaction appeared from XXXX XXXX tx XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX I immediately went to Wells Fargo to inform them that my debit card has unauthorized purchases. And these transaction continued while sitting in front of the banker. We filed a claim and twice they denied my claim stating I authorized these transaction and because of that they wont rerun my stolen money. Filed a police report with the XXXX XXXX XXXX police department.
Product: Checking or savings account

My finance requested that I place {$5000.00} in a BB & T bank in Florida to be credited to a BB & T bank account in Texas. The BB & T branch in texas refused to place the funds into the intended account in Texas.
Product: Checking or savings account

I had identify theft where someone used my debit card and created fraudulent charges. Wells Fargo refuses to issue credit and rebilled my account for fraudulent charges. I have filed identity theft reports with the police, FTC, all ( 3 ) credit bureaus. I am also in the process of filing a civil lawsuit against Wells Fargo. I demand they credit my account in full!
Product: Credit card

I have a Pottery Barn credit card backed by Capital One. I made a purchase on the card with the intent to pay the purchase before it accrued interest charges. The statement had a due date of XX/XX/year>2024 at XXXX XXXX  ET. On the evening of XX/XX/year>2024, I had a family delay, and I was unable to submit the full statement balance until XXXX XXXX  ET - XXXX minutes past Capital One 's cut-off time for payments. Capital One has now charged me {$110.00} in interest charges for being XXXX minutes late. They credited my payment to my account less than 24 hours after it was made, and Capital One is charging me interest for the entire statement cycle. I have tried to explain to Capital One what happened, and the reason for the XXXX minute delay. It's clear the intent was to make a payment to pay off the entire balance. Additionally, no one would purposely pay the entire balance on a credit card XXXX minutes late to just incur {$110.00} in interest charges. I can't afford to pay these charges, and I have asked Capital One to refund them. Capital One will not do so. I find this to be unconscionable, and it's a detriment to consumers such as myself.