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

I am writing to formally dispute the inaccurate information currently reflected on my credit report. Despite my previous efforts to resolve this issue, the erroneous entries remain unresolved, which is negatively impacting my credit profile I am submitting this complaint to have clear logged record of my dispute and all accompanying proof. I am requesting that these banks abide by the laws of the fcra section 609 and investigate remove and delete this fraudulent information from my credit reports permanently. Along with consumer law USC 1692. ( c ) Conducting sham investigations that fail to properly address consumer disputes : When handling disputes, Experian uses faulty intake procedures and does not accurately convey all relevant information about disputes to the original furnisher. Experian routinely and uncritically accepts the original furnishers response to the disputed information, even when that response was improbable or illogical on its face, or when Experian has other information available that suggests the furnisher is unreliable. At the conclusion of the investigation, Experian sends consumers notices that fail to inform them of the investigation results, and instead provides information that is confusing, ambiguous, incorrect, or internally inconsist
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2021, I sent three letters to XXXX XXXX  demanding to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) for the account XXXX reported in my credit, they fail to positively verify the account and it has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed. The company sent me an agreement without any signature, my signature is not on it. 
I demand the account be verified or removed immediately XXXX
Product: Checking or savings account

I told them when opening my account not to overdraft it, to decline it. They didnt, they told me I owed more than what was over-drafted. They told me they were paying me the money back and Ive heard nothing since.
Product: Mortgage

I applied for a modification with my mortgage. I was told today that they closed the file today ( denied ) and they assessed a sale date for next week, XX/XX/2019. They closed my file and did not even give me a week before assessing a sale date. 

They also gave a reason for denial was that my home was a mobile home. It IS NOT a mobile home, it is manufactured on a permanent foundation and registered with the county as a Single Family Residence ( SFR ). 

This is NOT FAIR that they closed my file and assessed a sale date in less than 7 days on my property, not giving me any time to dispute or look for other options.
Product: Debt collection

Resurgent Capital Services ( XXXX XXXX ) placed a collection account on my credit report in the amount of {$700.00} in XX/XX/XXXX. On XX/XX/XXXX I sent XXXX XXXX aka Resurgent Capital Services a Debt Validation letter under Texas Finance Code 392 requesting they validate the debt. XXXX XXXX aka Resurgent received the letter on XX/XX/XXXX and sent me a letter on XX/XX/XXXX stating they have " initiated a review of the inquiry they recently received ''. As of today XX/XX/XXXX I have not received any further correspondence from XXXX aka Resurgent validating the debt in question. In the letter I sent on XX/XX/XXXX I requested Validation under Texas Finance Code and requested that if they could not validate that they were to delete the trade line from all 3 credit bureaus which they have failed to do at this time. Under TFC 392 they have 30 days to validate and if they can't they must delete the trade line from all credit reporting agencies. 

They also treated my letter as a dispute under the FCRA and marked my credit report 's as " disputed by consumer '' which I clearly was not disputing under the FCRA but requesting validation under the Texas Finance Code. This is a blatant misuse of the dispute process under the FCRA and could cause issues for future consumers that request validation under TFC. Dispute comments can derail mortgage applications and cause credit denials.
Product: Credit reporting or other personal consumer reports

There is collection & derogatory also unauthorized inquiry in my credit report. I contacted XXXX, transunion, XXXX, about the matter I asked for any proof that I initiated any inquiries they have yet to give me anything. Ive had identity theft in pass so I mentioned it can be from that as well. The things are out dated starting from 2007. These things are causing hardships in my life Im unable to obtain credit and having trouble with getting apartment. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

My Bank of America credit card was use I try many times to file a dispute with my bank and my claim got denied. I have filed police report XXXX and I was not aware of the charges made on my visa credit card and I did not authorize the purchase on my account. I also have 8 hard inquiries that Im unaware of as well and I have no knowledge of the information use to untainted credit use of my personal information. I am requesting that all 8 hard inquiries be removed from my credit report for all 3 credit bureaus XXXX   XXXX  and XXXX
Product: Credit reporting or other personal consumer reports

It is enshrined in the annals of the Fair Credit Reporting Act, under the category of 15 USC 1681 section 602 ( a ), that consumer reporting agencies have the solemn duty of guarding the fairness, impartiality, and respect for consumer privacy in their line of work. In this scheme of stakeholders, esteemed institutions such as XXXX, Transunion and XXXX operate as consumer reporting agencies and I, the undersigned, fall under the category of the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Opened an Amex card with XXXX points and verified my eligibility in XXXX 2015. In XXXX and called and they said I did not qualify so opened a complaint. In XXXX the complaint was denied and called to cancel the card and the representative said that is not right to open a new complaint. On XXXX XXXX called on the new complaint and the representative told me I would get the XXXX points in XXXX, so give them the month to resolve. Called on XXXX XXXX and another representative said I did not qualify and ca n't vouch for what the the other employee said even though I had the time and his ID number So I was mislead twice on the same issue
Product: Debt collection

I am writing to bring to your attention the unjust actions of Alliance One, a debt collection agency, which has been relentlessly attempting to collect a debt that I am not responsible for. This debt arises from the unauthorized and illegal use of a vehicle associated with my name. Despite my extensive efforts to resolve the issue with the XXXX XXXX XXXX and the XXXX XXXX Police, my attempts have been disregarded, leaving the issue unresolved. 

Alliance One has committed a clear violation of Section 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ) by continuing their collection efforts without first verifying the authenticity of the debt, despite being informed of the complex circumstances and the ongoing litigation. 

Furthermore, Alliance One has neglected to adhere to Section 809 ( a ) of the FDCPA, which mandates a debt collector to provide verification of the debt upon a consumer 's request. This oversight, coupled with their continued collection activities, has caused significant undue stress and is wholly unjustifiable given the circumstances. 

Given the severity of this complaint, stemming from a debt associated with unauthorized and illegal actions, and the lack of response from the relevant authorities, I am requesting the intervention of the Consumer Financial Protection Bureau. I urge you to investigate the actions of Alliance One and take the necessary steps to rectify this situation. My expectations include the cessation of collection activity and the removal of this debt from my credit report.
Product: Checking or savings account

In XX/XX/year>, I struggled to keep a positive balance. Since I work on a commission basis, I did my best to try to keep the account positive, but the overdraft fees kept coming, putting me more negatively. 

There were 26 total overdraft fees charged, and a few days later, it went over 3 in 1 day, which they paid back around 7 based on the account history. This totals around 19 overdraft fees paid in XXXX, for a total of {$680.00}. 

I attempted to get some of them waived or recovered since I have been in a tight financial spot. The bank declined and said their window is 24 months, and if they already helped me with a few fees, they can't help me with any more. 

they did let me know about changing the account after I kept asking what could be done to the XXXX rep since I had SunTrust, but the bank is now Truist. It would be to change it to a checking Truist XXXX account to prevent this from happening again which we did switch it over. 

But the damage is done, and so much money was lost. It seems very abusive and borderline thievery that they can do that, especially with some transactions being way below {$36.00} dollars, which is what they charge for every overdraft fee. 

I spoke to a regular rep from Truist and then got transferred to a supervisor who could not do anything to help refund the fees. I let her know I would have to file a complaint, and she said we were following the CFPB rules for overdraft fees. 

my hope with this complaint is that it can help others that were with Suntrust account holders and now changed to Truist can be helped from not getting robbed blindly and hoping to get some of my money back as it feels I have been robbed and like the bank did not even care about there clients but just wanted to XXXX XXXX XXXX for everything you have.
Product: Credit card or prepaid card

I received a fraudulent charge on my credit card statement for {$170.00} on XX/XX/2021. I called Macys card services various times to submit a claim over the phone, to which their only solution was to send me a new card with a new number without removing the charge from my account. I then wrote a letter to them disputing the charge and received written correspondence that they received my fraud claim on XX/XX/2021 and would notify me with the results of the review. On XX/XX/2021, I received notification that they had completed the investigation and found that the charge was in fact fraudulent. Two statement periods have now passed since then and I have not received a credit on my statements for the {$170.00} or the interest that they charged me associated with the fraudulent transaction.
Product: Debt collection

I just had a garnishment on my payroll check without prior notification from the debt collector, I was never contacted first before garnishment by either mail or phone call. Upon calling they informed me they sent out a mailing 6 days prior to first garnishment to my old mailing address. They informed me that the last time it was reported to my credit report was XXXX. The mailing was XX/XX/XXXX and the first garnishment was processed XX/XX/XXXX. I was not never contacted or called to make arrangements to pay the debt or was given 30 days to write a dispute for the debt. The original debt is from XXXX. In Washington, the statute of limitations on debt collection lawsuits is six years after the date of default or last payment on the debt account. When six years have passed, debt collectors can still attempt to collect these debts, but they can not file a collection lawsuit.
Product: Credit reporting or other personal consumer reports

I tried to get my free annual credit report because I have been denied credit a few times in the last few weeks experian refused to cooperate furthermore my report said unscorable which furthers me from getting any kind of credit loans housing etc
Product: Money transfer, virtual currency, or money service

I was selling a dresser on XXXX XXXX and a buyer with the name XXXX XXXX XXXX contacted me for this. There was no reason for suspicion at first, we discussed when he can pick it up and then he asked me for my XXXX email account so that he can transfer the amount ( {$75.00} ). Shortly after, I received a strange email from XXXX. While this was unusual, there were no signs of phishing, so I trusted it. It had asked me to have the buyer send me {$400.00} so that I can raise my limit to a business account. The buyer called me and said he would do so and trusted me to repay him that amount immediately. And so I did to the email account- XXXX and name XXXX XXXX XXXX XXXX After this, I received a confirmation from XXXX again. I realized later that I typically receive confirmation of such transactions from my bank and I had not, which is why I started to suspect this. XXXX emailed me again to send {$600.00} more, which I did not send since it was all too suspicious. I searched it up and read about similar scams others had fallen victim to. I called Bank of America immediately to report this and get the charge disputed. I am currently waiting on the claim to be filed.
Product: Credit reporting or other personal consumer reports

I am writing to address a pressing issue regarding inaccuracies on my credit report. Upon a recent review, I discovered late payments incorrectly listed on my accounts. I kindly request your prompt assistance in correcting or removing this information from my credit report. Maintaining an accurate credit history is crucial, and the reported late payments do not accurately reflect my financial responsibility. I believe this discrepancy is due to an error and seek your immediate intervention to rectify it. Also, I contact the company thru a phone call and they said to fix this. Please conduct a thorough investigation into the reported late payments on my accounts and take the necessary steps to correct or remove this information from my credit report. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Hello, I am resubmitting this complaint as no actions were taken and the complaint is about federally protected activity and consumer rights i.e wire transfer, sending back ACH payments to pay debt owed, i.e. refusal to take payment to cause negative impact on consumer etc. 
1 ) I have attached proof where i set up an ach payment, it hit the account and nfcu sent it back due to the status of the account. they are not restricting access, they are preventing me from paying. Please see the attached document I printed from the account today after i tried to pay {$73.00} on the credit card and {$100.00} on the line of credit. 
per my prior complaint XXXX. They sent an email claiming insufficient funds but if you look at the account statement you will see where the funds were deposited and credited back to the originating account. I have attached the nfcu statement and the originating account statement showing the funds were available and transfered and were returned by nfcu. 
2 ) Regulation E protects me from unauthorized electronic transfer from my money market account .The Electronic Funds Transfer Act ( EFTA ) 1 requires a financial institution to conduct a reasonable investigation when a consumer disputes a transaction.

They did not do that. If so they would find that their branch agent cashed that check. Once that was done they forfeited the ability or right to stop the check, they assumed the liability under federal law. the dispute became between them & XXXX. same as with XXXX, they took funds from my account. I disputed that along with the check. NFCU reversed avis but not the cash they stole from my account after their agent cashed the check,. 
I Went to nfcu and cashed a check. I deposited cash into my money market. They waited two weeks and removed XXXX from my account. No check was stopped as the check was cashed before any funds wwas deposited. I have already complained and this bereau allowed the bank to come back with a long gas lighting response. Please reference complaint XXXX My concern was not addressed. I sent detailed explanation and proof to back up what I am saying. You can see in the bank statement where there was a branch deposit, you will see the movement of cash. Two weeks later they took cash from my money market account. They have done this three times, move money from money market account. there are rules that govern that account protected by the CFPB among other things. I attached the letter where they admitted they were wrong with XXXX and other supporting documents to the other complaint. 
Thank you in advance very respectfully XXXX XXXX
Product: Debt collection

I called and agreed to a repayment plan for my XX/XX/2019 payment on XX/XX/2019. My XXXX mortgage payment was to be spread over the next 3 months with the current month 's payment. I followed all the instructions given to me, including signing the repayment plan document and returning it to XXXX on XX/XX/2019. I also set up automated payments to ensure that I am never late to pay the current monthly and payment plan payments. I have been reported as 30 days late to all XXXX major credit bureaus and I was told by the representative who set up the repayment plan, this would not occur due to the repayment plan activation. The required payment plan documents were signed and returned to XXXX on XX/XX/2019. The agreement stated to have the document signed and received by XXXX before XX/XX/2019, and according to the XXXX Customer Service team, the signed documents were received on XX/XX/2019. A Week later, I had to call to verify that the documents were received and ask that the payment plan be updated to reflect my new mortgage payment amount from the new escrow analysis I received. My mortgage payment was lowered beginning XX/XX/2019 due to the escrow analysis, therefore the payment amounts listed on the payment plan had to be adjusted to reflect lower amount. I spoke with a representative from XXXX regarding the update payment plan amounts and they also ensured me Id be in no danger of a 30 days late or negative remark being placed on my credit reports. I received a 30 days late remark on XX/XX/2019 on all 3 of my credit reports. I called and spoke with the XXXX Customer service team yet again, and they instructed me to email my concerns to XXXX, to have this issue corrected. I have emailed XXXX 2 times and I have not received a response.
Product: Payday loan, title loan, or personal loan

This company needs to be shut down! I am trying to update my payment account so that I can make a payment BEFORE the due date, yet I am unable to do so. The company only has customer service available, if you want to call it that, via email and it takes days to receive a response. If they even respond. There is no way to call them, no email, no live chat or any other form of assistance. I received one response on Wednesday, XX/XX/XXXX after emailing on Tuesday, XX/XX/XXXX. The email sent me instructions on how to update my payment account, and I was also texted two links that lead me to the app to add a new bank account. Well, just as I expected the app did not load and would not allow me to update my bank account information to make any payment. It just kept loading and loading. I am now unable to access ANYTHING on the app, just the bank account update screen that doesn't let me log into my bank account- it just loads. This is very frustrating. Prior to me not being able to make a payment, the company falsely marked my account as " charged off. '' After sending multiple emails, I was told that " in my profile everything is normal. '' I am now trying to mail a money order, but I have to email them for an address per their FAQs, which means I can potentially miss the payment deadline. 

I searched online for answers and ran across customer complaints and reviews from people who have had/are having the same issues. This company should not be in business if it is in the business to hurt its customers and not help them. They have unfair business practices that should be investigated.
Product: Checking or savings account

I am filing a complaint against Capital One regarding the deceptive practices related to their 360 " high yield interest '' saving accounts. Capital One misrepresented the 360 savings account as having one of the nation 's highest interest rates yet failed to notify accountholders about the superior rates offered by the 360 Performance Saving account. This deliberate obscurity and lack of transparency violated consumers trust and resulted in significant financial losses for many, breaching the consumer financial protection act and the saving act. I seek redress for misleading practices and failure to fulfill their advertised promises.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of identity theft as a result of a recent data breach. In accordance with the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 USC 1681c-2 ( a ), I am formally requesting that you immediately block and delete all fraudulent accounts listed below from my credit report. 
The following accounts were fraudulently opened in my name and must be removed : XXXX XXXX XXXX  Account Number : XXXX  Date Opened : XX/XX/XXXX Balance : {$1200.00} XXXX. XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2600.00} XXXX. XXXX  XXXX  Account Number : XXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$110.00} XXXX. XXXX XXXX Account Number : XXXX  Date Opened : XX/XX/XXXXXXXX  Balance : {$970.00} XXXX. XXXX XXXXXXXX Account Number : XXXX  Date Opened : XX/XX/XXXXXXXX  Balance : {$640.00}
Product: Debt collection

i disputed a debt with XXXX for XXXX dollars and it was closed and removed from my credit in XX/XX/2016. I received a letter from uptain group. inc trying to collect on this debt again after it was removed from my credit. I contacted these people and they tell me they will report it on my credit again they do n't care what I say.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX please block this information from my credit report within four business days please pursuant to section 605 c of the fair credit reporting act
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EXPERIAN and XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2300.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX