23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I made a transfer request for {$15000.00} from my Webster Bank/XXXX XXXX savings to my XXXX XXXX  XXXX XXXX XX/XX/XXXX, after verifying XXXX XXXX  deposits made to my XXXX account. On XX/XX/XXXX I received a message that the transfer was blocked by security and they requested a copy of my DL and bank statement, even though I had already verified my account per policy. I sent a copy of my DL and bank information the same day. They then asked for additional documents on XX/XX/XXXX. I sent them the same day. On XX/XX/XXXX, the {$15000.00} transfer was debited from my account. Today is XX/XX/XXXX and the funds are still not in my XXXX account. I called and spoke to customer service on XX/XX/XXXX after waiting more than an hour, and the rep indicated the transfer request was approved and the funds should be showing up within a couple business days. The funds are still not in my XXXX account. I called again today XX/XX/XXXX and the hold times were over XXXX hr XXXX mins. I have spent XXXX hours on the phone attempting to get this resolved. I finally was able to get in touch with another representative, who informed me that " the documentation you sent in is still under review '', however the funds were already debited from my savings on XX/XX/XXXX. After being placed on hold for over XXXX mins, the rep disconnected my call and I was transferred to a survey. My funds are still in limbo and I have yet to see them deposited to my XXXX account. This is in violation with the Federal Funds availability act, Reg CC. I am not earning interest on my funds because they have now been debited from my account, however Webster Bank has still not sent them to my bank for deposit, 11 days after my request.
Product: Debt collection

Re : Account Number : XXXX Original Creditor : JARED-GALLERIA OF JEWELRY To Whom this may concern : As I have not heard back from you in over 30 days since my formal written notice of dispute, and since you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.

In a good faith effort to resolve the matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action, and correct any erroneous reports of this debt as mine.
For the record, I state again : As I have no account with you, nor am I your customer, nor have I ever entered a contract with you, I must ask you to provide the following information : Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you placed this on my credit report ( s ) in error and that this matter is permanently closed. Your continued silence in this matter is unacceptable. Either provide the proof, or correct the record and remove this invalid debt from all sources to which you have reported it to.
For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

I affirm, under penalty of perjury under the Laws of the Land for these United States of America, that the foregoing is true and correct, to the best of my knowledge and belief, so help me XXXX, pursuant to 28 U.S.C. 1746 ( 1 ). Witness My Hand this XXXX day of XX/XX/2021. 

I have copied the XXXX XXXX XXXX FTC & Attorney General of Washington.
Product: Credit reporting or other personal consumer reports

Capital One has violated multiple USC 's : 15 USC 6802-6805. I was never given the opportunity to opt out of reporting my information.

15 USC 1681 Permissible purposes of the consumer report. I have not given written instructions to produce a report on my behalf.

15 USC 6801 Protection of Nonpublic Personal Information. My personal information being furnished has caused me damages and defamation of character.

16 CFR 313.4 Initial privacy notice to consumers required.

16 CFR 433.2- 433.3. Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices.
Product: Debt collection

I checked my credit report and a company called Choice Recovery , Inc was on my report. It stated account placed for collection opened XX/XX/XXXX in the amount of {$1000.00}. The credit bureaus showed the name of this company and the address. I disputed this with XXXX and XXXX, and both marked it as a valid debt. On XX/XX/XXXX I sent a certified letter to Choice Recovery, inc. asking for proof of what they are saying I owe them. I used the address that was listed on my credit report by both credit bureaus. I did not receive a response so I sent another certified letter to Choice Recovery , Inc. on XX/XX/XXXX. Today, XX/XX/XXXX I received my 1st certified letter back, which was dated XX/XX/XXXX, stating that it was not deliverable to this address. How can these credit bureaus report this as a valid debt when the address they are reporting is not a deliverable address? I'd like to file a complaint against XXXX, XXXX and Choice Recovery , Inc., as all three agencies have failed to provide any proof of this debt and have violated my consumer rights and have damaged my credit.
Product: Credit reporting

XXXX XXXX XXXX Accounts : XXXX, XXXX, XXXX, XXXX This collection agency took the original creditor XXXX Acct XXXX total {$1100.00} and reported XXXX separate collection record on my credit report resulting in Acct 's XXXX {$630.00} & XXXX {$490.00} Original creditor XXXX Acct XXXX total {$1500.00} and reported XXXX additional collection records on my credit report in Acct 's XXXX & XXXX In summary XXXX took XXXX original creditor accounts a generated a total of XXXX collection accounts on my credit report. 
I am requesting that all collection records from XXXX be deleted and prevented from reporting in the future to my credit. 

I feel that this information is not being reported correctly ; which is unfair and misleading.
Product: Credit reporting or other personal consumer reports

Transunion dropped my score by XXXX points. When I logged on and saw the same false report that I have had to dispute with XXXX other credit entities. I chose the tab DISPUTE which took me to a XXXX process. I chose the reason why and stated it. I then chose the upload documents and when I tried to upload them the system started me running me around in circles. It kept taking me back to the beginning which ask me if I wanted to dispute an item. It truly seems like all three credit entities that have dropped my scores are about the same. They are not a help to the people they have such power over. I wish someone could force them to get in touch with ho they are dropping scores on and discuss the reason why and try to give people a change to dispute this stuff before they drop scores by so many points. I hope you can help me with this nightmare.
Product: Debt collection

XXXX says they represent XXXX XXXX XXXX for bill collection. XXXX says their bill has XXXX balance. If your client has XXXX balance since XX/XX/17 and XXXX insists they are representing client, why are they pursuing me?
Product: Debt collection

I paid my worker 's comp Insurance for an outstanding balance on in the middle of XX/XX/XXXX as soon as they let me know it was due to settle the account and these guys still sent me letters and were incredibly rude on the phone and accused me of not making the payment even after proof was sent. In addition, after I directly asked if they had any relation to a previous collection firm ( something XXXX ) which I had already dealt with to close this issue out, that this was sent to I was told, no. After continuing to talk to them he admitted they did. They are very deceitful and should not be allowed to do debt collection if they can not be honest about what they say and do and confirm with the company that the debt was originally with is actually owed money, to begin with.
Product: Credit reporting or other personal consumer reports

XXXX Paid debit debt collection company in XXXX XXXX XXXX  has refused to take this off of my credit report, even saying they can not discuss my own account with me.
Product: Credit card or prepaid card

My current balance is {$3700.00} ( credit limit of {$5000.00} ) with a minimum payment of {$300.00}. 

Their current Cardholder Agreement states " The minimum payment due each month will be an amount equal to 5.91 % of your highest outstanding new balance since your account was open or since your new balance was zero plus the greater of ( a ) any past due amount or ( b ) any amount by which your new balance exceeds your credit limit '' On the phone is was expressed to me that my minimum payment was based off an old balance of {$5000.00}. My balance exceeded my credit limit months ago and this no longer a NEW BALANCE. Their policy explicitly states a " NEW BALANCE '' is used in whatever the case. My minimum payment should be {$210.00} based off my " NEW balance '' since my account was open. This is a form of predatory lending.
Product: Checking or savings account

PNC approved my account so I transferred money from my XXXX XXXX   into the account because it had to be a {$100.00} deposit. After checking my account it still shows an {$0.00} balance. After calling I was told the account they I just received they are closing and I have to go to the branch to get my money. I did nothing wrong and I wont be given an explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am not liable for these accounts, they are littered with inaccuracies. I have sent a letter to Transunion on XX/XX/2022 requesting to investigate and verify the Accuracy of the accounts on my Credit Report. These accounts ( XXXX XXXX XXXX XXXX  ) are reporting erroneous information on my File. Despite the previous written requests sent to Transunion, they seem to simply ignore my appeals by not responding to my letters. The FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ) requires the Credit Bureaus to verify and authenticate the accuracy of these accounts. It is unacceptable to continue reporting these accounts as unconfirmed information without producing proof within the time allowed by law. By the provisions of the FCRA, I urge Transunion to investigate the erroneous accounts and have it removed.
Product: Checking or savings account

I used XXXX XXXX to transfer XXXX dollars to my own personal checking account. Somehow it was transferred to an old closed account that was removed from my bank accounts. I had no knowledge of this account even existing. For a week I have been calling Chase Bank and XXXX XXXX to figure out where my XXXX dollars went. Chase confirmed it was sent back to XXXX XXXX because the account ending in XXXX was CLOSED. I have documentation of them confirming it was sent back. XXXX said it was never sent back. I called today XX/XX/23 at XXXX PM and was finally able to learn it was in fact deposited into the CLOSED account and they will not return the money to me.
Product: Debt collection

XXXX XXXX XXXXXXXX has been reporting and updating on my credit report monthly. However, this count is closed and has been for some time. so how can a closed account be updated? It doesn't make any sense and has been detrimental to my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this CFPB Complaint to you today to request from you to remove the fraudulent items I found on my Credit File. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with XXXX XXXX # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Please remove the following items off my Credit File : 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. Under the FCRA XXXX XXXX, you are required by law to remove any accounts and information that resulted due to identity theft, please do so.
Product: Credit card

The credit card company charged me for a yearly subscription fee without my authorization or knowledge. Over time, they started reporting to the credit bureaus that the account was delinquent, increasing the past due days every 30 days. This situation has reduced my credit score by XXXX points, and it has been ongoing for over 6 months. 

Furthermore, I disputed the information with the credit bureaus, and the credit card company confirmed the erroneous information. Every time I call, the company assures me that it is corrected, but the information continues to be reported inaccurately, continuing to impact my credit.
Product: Payday loan, title loan, or personal loan

The company advertises as a flex loan. When payment arrangements were made the company debited 2 payments within 1 week of each other without consent or contact. They do not make calls in regards to any balance, they just debited my account without any consent and would not return payments causing numerous overdraft fees. They also did not disclose that payments would triple when adding any additional to loan balance.
Product: Credit card or prepaid card

Yesterday ( XX/XX/2022 ) I applied for a credit card with the Navy Federal Credit Union. At the time of my application a range of interest rates was displayed ( XXXX % ). I continued the application process by going to the next step - never showed what the actual rate would be. Later in the day I received a message stating that my interest rate would be 13.24 %. I would never have accepted this rate if it had been disclosed as I have over $ XXXX in cash deposits with XXXX XXXX XXXX XXXX and XXXX Bank. My XXXX credit card is at XXXX % with XXXX % cash back as I have excellent credit. 

This is a classic bait and switch scheme and a very unethical business practice. I have also filed an XXXX complaint but am filing with you as well as this is fraud. Today I cancelled the credit card with Navy Federal and closed my account with them - voting with my dollars. Please sanction Navy Federal Credit Union for their fraudulent business practices.
Product: Debt collection

On XX/XX/XXXX, I had a XXXX done with my doctor at the hospital. I paid the doctors office the amount that was owed to them and my insurance paid their covered amount. I received a bill in and paid the balance owed in reference to this office visit. Around XX/XX/XXXX, I noticed I have a collection account on my credit report from SCA, a collection agency. I sent this company a validation letter to inquire about the nature of the collection. They sent me a bill for { {$130.00} } from XXXX for a XXXX XXXX on said date XX/XX/XXXX. I provided my doctor 's office my insurance information and they were paid for their services. I do not owe this bill. SCA has responded and advise me that an itemized bill has been sent from the original creditor. I advised the company to provide me with a breakdown of the collections cost and medical charges, I also advised them to provide me with a copy of my signature to the provider of service to release my medical information to a 3rd party agency. SCA has not provided me with a contract with my signature allowing their company to have any copy of my medical bills. This is considered to be withholding information that they received from my medical provider in an attempt to be HIPPA compliant can be a violation of the FDCPA. Cease/remove any credit bureau reporting.
Product: Mortgage

XXXX  XXXX : Cornerstone Home Lending , Inc. 
XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX We purchased the home in XX/XX/XXXX. 
The home requires flood insurance. 
At closing everything was presented as in order with the escrow. 
Within a few months, Cornerstone was sending us letters saying we did not have flood insurance and that they would purchase a policy. It took a several months and many emails to get that straightened out. Around XX/XX/XXXX, we received a bill from XXXX ( flood insurance company ) for the renewal of the policy. The bill should have been sent to Cornerstone. I paid the bill to ensure we did not have a lapse in coverage ( I was aware of the chaos of Cornerstone and XXXX ). Around XXXX XXXX Cornerstone started their threatening letters again about not having coverage. Cornerstone and XXXX went around and around as to policy numbers, payments and coverage amounts, and correct mailing addresses. I filed a complaint with the NC Department of Insurance. XXXX recommended I file a complaint to this department. I received several more threatening mailings ( USPS ) from Cornerstone about not having coverage or adequate coverage. 

I received reimbursement for my payment from XXXX last week. I have heard nothing from Cornerstone ( by USPS ) that the escrow issues have been resolved or that coverage is paid and adequate.
Product: Mortgage

My sister was diagnosed with XXXX XXXX and she lived with me for an extended period of time and I was responsible for her care and expenses. She is now deceased and I have requested a mortgage modification to bring my mortgage current. Wells Fargo is unwilling to assist me with saving my home from foreclosure. I was told I could bring the mortgage current or sell my property. I don't want to lose my home, I feel I am being discriminated against because of my age. I need help.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2020, CKS PRIME INVESTMENTS add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA CKS PRIME INVESTMENTS has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Debt collection

I am beyond frustration! I made a payment on XX/XX/XXXX which they didn't post until XX/XX/XXXX .. I made 2 payments on XX/XX/XXXX one for {$1000.00} and one for {$1000.00} .... they failed to post one until XX/XX/XXXX and the other wasn't posted until XX/XX/XXXX and for the incorrect amount ( they posted it for {$1000.00} instead of {$1000.00} ) I  have been on the phone with them every other day or so ... promised call backs that never happen ... have yet to receive any written acknowledgement of their errors .. despite numerous letters, calls and emails! This company needs to be shut down!
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to credit Karma 's False Preapproved deceit I hard excessive hard inquiries and inaccurate information reporting. A few i dont remember. These accounts are not consistent on 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 XXXX XXXX XXXX I can't see my XXXX yet to dispute
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to formally dispute inaccuracies in my credit report and to seek compensation from Experian for repeated violations of the Fair Credit Reporting Act ( FCRA ). My concerns are further supported by the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ), which highlights Experians failure to adequately investigate consumer disputes and its improper reinsertion of inaccurate information into consumer reports. 

The following inaccuracies in my credit report require immediate correction or removal : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, HI XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$6000.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX. ) XXXX Balance : {$10000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  Balance : {$8000.00}
Product: Credit reporting or other personal consumer reports

I obtained my credit report from you and there were U. S. Bankruptcy Court items listed. Per the FCRA 623 ( a ) ( 5 ) : " If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file ''. 
The County Recorder of Deeds and the Bankruptcy Courts have both mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. 
Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW.

My inquiry to the County Recorder of Deeds and U. S. Bankruptcy Courts confirmed XXXX XXXX and Experian Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all tax lien and bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately.
Product: Credit reporting or other personal consumer reports

It seems that FCRA 605B mandates the removal of incorrect accounts from my credit report. Can you please verify the documents? Several accounts listed are reported inaccurately in terms of amounts and dates.
Product: Credit card or prepaid card

Fraudulent. Transactions on  my. Wells Fargo.   XXXX   ( as per uploaded picture ). Police are treating it as a stolen card. But Wells Fargo think I  used it even though The Person in question is on  XXXX . Fraudulently using my card in the  XXXX .  XXXX .