23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

As a working mother, my family has banked with regions for several years now. I do n't recall them asking, but I know they switched our statements to online only, and we no longer receive paper statements. My husband nor I have had much experience managing finances and live paycheck to paycheck to make ends meets. Recently when I needed information, I found our online statements online ( not easy to find since I use mobile banking per the bank 's request ), and realized my family had paid the bank thousands and thousands of dollars in overdraft fees and fines each month. We barely get by as it is, and I was sickened to see that my trusted financial institution had not only been charging me multiple fees for single transactions, but allowed this outrageous amount of fees to be charged month after month. Never once did we receive any letters indicating we were incurring so many charges, never once did we receive a phone call and I honestly do n't remember even signing up for overdraft protection. I see now its a button you can click, but its not very clear and would be easy to click and forget about. The only time I recall intentionally signing up for any overdraft protection was when we had a savings account linked, which was closed years ago. I am now learning to budget and take control over my finances, but feel taken advantage of by Regions and feel it should have put a limit on the maximum number of fees, or turned off the overdraft service ( which I am not 100 percent certain I ever signed up for. ) In XXXX my family paid {$6400.00} in overdraft fees to Regions, in XXXX my family paid almost {$11000.00} in fees to Regions and in XXXX these past few months alone, we 've already paid {$4000.00} in fees. I will be moving banks in the near future to an institution that I feel is a trusted partner, and an institution that will counsel and advise families like mine, scraping by on how to better budget and manage finances. Instead I feel Regions robbed me blind and unfortunately I was not wise enough to realize it before now. Regions has not helped my family achieve our financial goals, instead they have stolen them from me and my children. There are weeks we scrape by to make ends meet, but that I now know is in large part to Regions deceitful and manipulative policies.
Product: Mortgage

I was quoted {$4400.00} to included points and closing costs To refinance my mortgage at 2.25 % for a 15 yr mtg. by Amerisave ( my current mortgage company ). When I ask for a detailed description of what these costs included, I was emailed by the broker XXXX XXXX, refinance documents and the price had jumped to {$5600.00}. He continues to avoid my calls, and I can not get anyone else to return my calls, or reply to my email.
Product: Credit card

In XXXX, my ex-wife opened a Capital One credit card as a joint account wherein I had no information. She has defaulted on this account and Capitol One has been placing negative information on my report even though I have never received information in the mail or otherwise over these 20+ years. It was in the summer of XXXX when I was brought in on the program with Capitol One in which they state I owe the money.
Product: Credit reporting or other personal consumer reports

I have been communicating with this company since XXXX of XXXX in an effort to correct vitally important private and personal information that they so carelessly continue to misrepresent on my behalf. In XXXX, I began telling this agency that THEY HAVE INACCURATE and flat out WRONG INFORMATION listed on my credit report. They have yet to correct the items that I requested to be corrected. It is imperative because there are other people who share the same or similar names and addresses as me and I do NOT want to have any of our information mixed up as it has been in the past. This agency has violated every consumer law out there that protects me, my information, and the accuracy in reporting it. I have suffered severe humiliation and financial hardship as a direct result of their negligence. In the LONG months that I have been begging them to do right by me, they have YET to even correct my NAME and ADDRESS?!?! This is a gross misuse of authority as a data furnisher and controlling entity. According to XXXX XXXX XXXX XXXXXXXX, this bureau is required to ensure MAXIMUM POSSIBLE ACCURACY. The inaccurate accounts and information continually being reported violates these laws : 15 USC 1681i, 15 USC 1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ). Each item in dispute must be deleted immediately.
Product: Credit reporting or other personal consumer reports

" I previously challenged the erroneous and incomplete information on my credit report, yet [ EquifaxXXXX ] did not correct it, thereby violating the Fair Credit Reporting Act ( FCRA ). To support my challenge, I provided clear evidence, including : - Marked credit reports that highlight all discrepancies and inconsistencies.

- A formal dispute letter outlining the errors and specifying the necessary corrections.

- Copies of my government-issued ID, Social Security card , and proof of address to verify my identity.

Despite submitting all the required documentation, the inaccuracies and omissions remain on my credit report. Under the FCRA, my report must be accurate and complete, and the failure to make these corrections constitutes a violation of the law. 
"
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXDate of XXXX XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XXXX/XXXX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX & XXXX Date of Inquiry XX/XX/XXXX
Product: Credit card or prepaid card

I opened at Target Red Card ( Credit ) online at the suggestion of the website that I could use the card immediately on a difficult to find toy that quickly goes out of stock. I applied, was approved and was told to click a link to use my card right away. I followed the instructions and was directed back to Target 's shopping website, and found that I was not able to use the card for purchases. I called their credit card assistance line and explained the issue to a customer representative who did n't seem to speak or understand English proficiently. He suggested I use another form of payment. I explained that I would not have opened the card if I wanted to do that. He asked if he could put me on hold to assist me after explaining the issue several times. After being on hold for about 15 minutes, the phone was picked up by who I believed to be the same man. He then proceeded to tell me he did n't know who I was and act like he had n't talked to me saying he needed to transfer me and I had to start all over. He then transferred me to the same automated line that I used to call him initially, even after my request to speak to the person who placed me on hold. I again followed the prompts for the automated line and this time spoke to a woman who seemed to understand me even less, I explained the problem several times and felt like she did n't understand. She also recommended that I use a different form of payment. I was told to call back tomorrow after I 'd been on the phone for over an hour. The item was out of stock again by the time I hung up. I received an email saying I was approved and could use the card in 7-10 days after it came in the mail. I then tried to speak to two more representatives in the online ordering department who denied that they could assist me in charging the item to the new account and also urged me to use a different form of payment. I was told that I had to keep checking on line for the item to come back in stock then call to use the card at a later time.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  Inquired on XX/XX/XXXX - TRIED CALLING XXXX Inquired on XX/XX/XXXX and XX/XX/XXXX - XXXX DONT KNOW WHAT THESE ARE AND DIDNT DO THESE XXXX XXXX XXXX  Inquired on XX/XX/XXXX - TRIED CALLING XXXX XXXX Inquired on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - XXXX DONT KNOW WHAT THESE ARE AND DIDNT DO THESE XXXX XXXX XXXX Inquired on XX/XX/XXXX - TRIED XXXX XXXX XXXX  Inquired on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - TRIED CALLING XXXX Inquired on XX/XX/XXXX - TRIED CALLING XXXX XXXX XXXX  Inquired on XX/XX/XXXX, XX/XX/XXXX - TRIED CALLING XXXX XXXX Inquired on XX/XX/XXXX - TRIED CALLING
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to remove these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX TO XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX FLAGSHIP CRE XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX TO XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX SYNCB/SAMS XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I requested address to be removed from my credit report that where done by identity theft
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/22 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 the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXXXXXX  XXXX Balance : {$2900.00} ; XXXX XXXX XXXX Balance : {$8100.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} ; XXXX XXXX Balance : {$200.00} ; XXXX XXXX Balance : {$14000.00} ; XXXX  XXXX XXXX Balance : {$460.00} ; XXXX  XXXX XXXX XXXX XXXX Balance : {$2400.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX/XXXX XXXX Balance : {$500.00}
Product: Checking or savings account

I made a purchase online in XXXX and paid for that purchase with my PayPal account which I have had for over 15 years. I did not receive the merchandise and requested a refund from the seller. This refund was made in a series of payments to my PayPal account and PayPal froze my account for 21 days holding those funds. It has now been more than 30 days and PayPal refuses to let me transfer those funds to my bank. They will not release my funds. I spent over twenty minutes on the phone with a representative who refused to close my PayPal and credit card account with them and send me my funds, which they are illegally holding. I have had this account with them for over 15 years and never had a problem, but their actions over this incident have caused me to lose confidence in PayPal and their system and I simply want my funds transferred to my bank and the account closed. They refuse to do this.
Product: Debt collection

I am submitting this formal complaint against XXXX, XXXX XXXX for their continued failure to validate, verify, or provide proof of accuracy for information they have reported on my credit file. Despite my repeated disputes spanning multiple years, XXXX, XXXXXXXX XXXX XXXX has failed to provide the legally required documentation to substantiate the accounts, inquiries, or other reported data. This negligence violates my rights under the Fair Credit Reporting Act ( FCRA ) and has caused unnecessary damage to my credit standing. 

1. Lack of Verification Despite Repeated Disputes For years, I have formally disputed specific items on my credit report, requesting proper verification and validation under the FCRA. Despite submitting these requests via certified mail, online disputes, and direct correspondence, the bureau has : Failed to provide any documentation proving the accuracy or legitimacy of the reported items.

Simply marked disputes as " verified '' without furnishing any supporting records.

Reinserted previously removed items without providing the legally required written notice within five business days, as per 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( ii ).

Failed to provide the method of verification, as required under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ).

2. Violations of the Fair Credit Reporting Act ( FCRA ) The FCRA requires credit bureaus to conduct reasonable investigations when a consumer disputes an item. However, my experience with XXXX, XXXXXXXX XXXX XXXX  demonstrates a complete disregard for due diligence and compliance, including : Failure to provide original source documents from creditors, banks, or lenders proving the accuracy of the reported items. 

Failure to conduct a reasonable investigation, as my disputes are routinely marked as verified with no supporting evidence. 

Failure to respond within the legally required 30-day timeframe in some instances, further proving their non-compliance. 


3. The Negative Impact on My Credit and Financial Well-Being Due to the lack of proper verification and persistent inaccuracy in my credit report, I have suffered : Denials for credit, loans, and housing due to erroneous negative reporting. 

Unjustified credit score damage, resulting in higher interest rates and financial hardship. 

Ongoing emotional distress caused by the failure oXXXX XXXX XXXX XXXX XXXX to comply with consumer protection laws.
Product: Credit reporting or other personal consumer reports

Remove these inquiries, please. I have no knowledge of them, and the company did it without my authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I took out a personal loan through XXXX XXXX  XXXX. On XX/XX/XXXX I started to receive invoices from XXXX XXXX XXXX XXXX who stated they took over the account from XXXX XXXX  XXXX. I continued to make monthly payments to XXXX XXXX XXXX XXXX until the agreed last payment was due XX/XX/XXXX. Payments were auto-withdrawn from my bank account monthly. I was told I was unable to have an online account with Marketplace Loan therefore I was never able to access pertinent details to my account. 

On XX/XX/XXXX, I pulled a credit report which showed negative impact from a personal loan. I started a dispute with the credit bureaus. I also began to call XXXX XXXX to get this issue corrected, as I was continuing to make payments as scheduled and promised. Credit Reporting Agency shows contact phone of : ( XXXX ) XXXX -when I called it said XXXX XXXX  XXXX. Every single person at XXXX XXXX that I had previous conversations with and had their names, phone # 's and emails were no longer existent. The phone # s for them which were XXXX, XXXX, XXXX, XXXX are no longer existent. When I call all their numbers, they are all different companies. Some of the representatives at these companies said they were unable to release the names of the companies they worked for and none of those companies claim to know any of the representatives I have dealt with over the years, nor the name XXXX XXXX XXXX, nor XXXX XXXX XXXX XXXX. They say that they have owned those phone # 's for years. No one can find my account numbers or social security # 's on their records. On XX/XX/XXXX I was contacted by a debt collector from a company called Grassy Spring Group via XXXX  XXXX XXXX  ( XXXX  ) who states XXXX  XXXX  XXXX  gave them my account. I once again contacted all the # 's I knew for both companies XXXX XXXX  XXXX and XXXX XXXX XXXX XXXX and the # 's all have new companies once again and no one knows about the ( XXXX ) companies in question. And all the # 's now belong to new companies such as Lease Customer Service and Legacy. I have detailed notes of every person, department, phone and companies I spoke to almost daily since XX/XX/XXXX. I have not been able to get any answers from anyone. I fear this was a scam, that my identity has been released to numerous companies, and that after paying them THOUSANDS of dollars, they are falsifying my debt. I feel helpless and hopeless and hope that someone can help me put an end to this.
Product: Credit reporting, credit repair services, or other personal consumer reports

4 months on end I have attempted to get these three credit bureaus to erase inquiries from Capital One that I never initiated. They have turned the Blind Eye to both an FTC report and a cfpb complaint. I was a victim of the XXXX in 2017 and have struggled ever since and repairing what is an ongoing spiral of my credit history and I would appreciate it if this XXXX XXXX paid attention to the fcra and the rules of government. Most importantly 640b in regards to identity theft in the rules surrounding those incidences. Please remove the Capital One
Product: Vehicle loan or lease

In XXXX of XXXX I filed bankruptcy, I was told I had to include it in my XXXX XXXX Fast forward XX/XX/XXXX I attempted to make a payment and the representative stated that the car was up for repossession and I had to pay {$1000.00}, Im confused because I only missed XXXX payment on the XXXX and XXXX payment would be do the XXXX. I made a payment of XXXX XXXX XXXX, XXXX XXXX another payment of {$380.00}. XXXX XXXX the same amount. I even asked for a copy of my payment histories. Unfortunately I contacted covid in XXXX the bill was paid, and XXXX right around this time I made this payment. Unbeknownst to me I was taken out of work due to long term XXXX effects that left me bedridden for almost XXXX months. I was out of work and because I worked retail I was only given a reduction of my hours barely enough to provide food for myself. I explained this to the first representative who was very XXXX and XXXX and was like XXXX XXXX the balance needs to be paid or were taking the car. My only source of protection for myself. I had to borrow money that I dont have, Im thinking Im only a month behind and can catch up with XXXX payment in XXXX. I started a new position on the XXXX but my check will be held until the next pay period. I called and this representative said the balance was {$1300.00}, I had to take borrow from almost everyone and I paid a total of {$810.00}. Which leaves me a balance of {$520.00}. Which means a payment is missing along with {$140.00} seems odd because ot shouldnt be like this. I dont get any confirmations from them, I have no idea whats owed or even if a payment is getting processed. Can you help please? Are companies really doing this? Im not XXXX about being XXXX I have documentation.
Product: Vehicle loan or lease

On XX/XX/year> I submitted to TRANSUION that the account XXXX XXXX SHOULD BE REMOVED OFF MY CREDIT REPORT ACCORDING TO SECTION 605 b of the fair credit reporting act Ive sent numerous of demands and my livelihood and credit report is damaged because TRANSUION fail to remove XXXX XXXX XXXX from my credit report if its not removed asap I will have no other choice but to file a civil suit against Transiuon for failing to report and protect my consumer rights which is a violation to section 605b
Product: Money transfer, virtual currency, or money service

After experiencing a problem transferring money via XXXX from XXXX  to TD Bank, I came upon, what I now know to was a bogus XXXX website. I called a fraudulent " XXXX '' phone number and did not realize that I was NOT speaking with a legitimate XXXX agent. 
He told me to download XXXX, so that he could view everything I was doing on my phone. He then told me to make 2 transfers to a " dummy '' account, in order to test my XXXX account. I was told to authorize the transfers but, that the money would bounce right back into my account. When it did not, the agent told me that he had to look further into the issue. 
After the call, I realized that I was scammed and IMMEDIATELY called the TD Bank fraud department. I explained exactly what had occurred and was told that the fraud dept was familiar with this type of scam and that I didn't have to worry about being reimbursed. However, my claim was denied because I authorized the transfer, which I only did because I thought that I was speaking with a legitimate XXXX agent. I have lost {$1500.00}. TD Bank can see that I don't use XXXX often and I have NEVER transferred funds to this person in the past. 
In addition, I had issues receiving store refunds that were not processed to my debit card because my card had to be replaced and my bank account had to be restricted. I was assured that I would have no problems, once my old account was restricted but that was not the case.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2020. Discover bank reported an inaccurate missed payment to XXXX, XXXX, and XXXX. This is inaccurate information. I have never missed a payment and there is proof in my credit report.