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

Issue : ** Despite clear evidence of violations provided, Experian has chosen not to remove the debt, even though there have been no changes to report. **Experian Violations : ** XXXX. **Failure to Provide Comprehensive Verification ( Code : XXXX ) : ** Experian failed to conduct a reasonable reinvestigation within the mandated timeframe, as evidenced by inadequate documentation from XXXX XXXX XXXX XXXX This violates FCRA XXXX XXXX ( a ) ( XXXX ) ( A ) and the corresponding XXXX XXXX XXXXtandard, XXXX XXXX. XXXX. XXXX*Delay in Responding ( Code : XXXX ) : ** Experian did not respond within a reasonable period despite my letter dated XX/XX/2024, violating FCRA Section 611 ( a ) ( XXXX ) ( A ) and the Metro 2 standard, Field XXXX. XXXX XXXX XXXX Violations : ** XXXX. **Failure to Provide Comprehensive Verification ( Code : XXXX ) : ** XXXX XXXX XXXX XXXX documentation inadequately ties the debt to me, violating FCRA XXXX XXXX XXXX a ) ( XXXX ) ( B ) and Metro 2 standard XXXX Field XXXX. XXXX. **Neglecting to Address Dispute ( Code : XXXX ) : ** Medical Merchants Credit failed to promptly investigate and address my dispute, breaching FCRA XXXX XXXX ( a ) ( XXXX ) and the corresponding Metro 2 standard XXXX XXXX. **Shifting Burden of Proof to Consumer ( Code : XXXX ) : ** XXXX XXXX XXXX inappropriately shifted the burden of proof to me, violating FCRA XXXX XXXX XXXX a ) ( XXXX ) and its Metro 2 counterpart XXXX
Product: Checking or savings account

On XX/XX/2019 I as SunTrust customer made a complaint ( CFPB # XXXX-XXXX ) and another three written inquiries, three phone calls to SunTrust customer care and customer service regarding a illegal deduction of {$20.00} from my personal Advantage Checking account ending in XXXX on XX/XX/2019 stating XXXX XXXX monthly maintenance fee. I never received a letter from the bank until XX/XX/2019. This letter dated on XX/XX/2019 stated that my combined relationship balance fell below {$10000.00}. This conclusion was far from true. Actually my combined relationship balance was EXCEED {$10000.00} and was linked with a small business check account. According to SunTrust personal advantage checking account fee schedule : Avoiding monthly maintenance fee section - Maintain a Total Combined Relationship Balance of {$10000.00} or more linked across deposits OR Have a linked Small Business Checking Account. As I stated before I qualify both requirements. However this bank continue conduct criminal activities to deduct a second $ XXXX  monthly maintenance fee from the same account ending in XXXX on XX/XX/2019 stating it's XX/XX/2019 monthly maintenance fee. In early XX/XX/2019 SunTrust credit back one of the fee {$20.00}. I don't know why SunTrust continue to repeat same error which I seriously can't accept at all. See attached Avoiding monthly maintenance fee Schedule and SunTrust Response Letter on XX/XX/2019. At this time, since I already reported this criminal activities to the DC dispatch XXXX to ask Police Report, I am asking prosecution towards this banking perpetrator who repeatedly and illegally deduct money from my personal checking account. I also filed a claim to ask at least {$25000.00} damages toward this repeated threat to Consumer.
Product: Prepaid card

I have a rushcard. I have n't had access to my funds for 12 days. On XXXX my direct deposit of {$1900.00} from my employer posted. However- rushcard has posted it to my expired card. I have been a customer for 3 years. When your card is near the expiration date, you are automatically issued a new XXXX. I received it in XXXX, activated it and had been using it. Then their system went down. When it " came back online '' all of a sudden it would n't recognize my new card number and will only recognize the old expired card- which I ca n't use because it is expired. It 's basically like my new card does n't exist and I have called over 30 times. When they do n't hang up on me they tell me they ca n't access my account. I do n't have food or gas and I need to pay several bills. Also some automatic payments for my bills are being declined because the companies ca n't access the money.
Product: Checking or savings account

I only had deposited XXXX into My new account at BB & T and spent it all in XXXX. I did not ask the bank to pay for any overdrafts in my contract explicitly. 
Today at XXXX XXXX I deposited XXXX Into the same account. I discovered my debit card was blocked, so I went to an ATM at the airport to see what was going on with my account and made an inquiry. The ATM said my account was negative XXXX. Which is not true because the XXXX was just spent up today and I could make no purchases the entire day and just deposited XXXX and out of no where the Airport ATM is saying my bank is trying to steal XXXX from me in fraudulent false miscellaneous fees. This is an error and I dont have a negative account. I need assistance because I fear my bank is trying to quitely steal almost 700.00 from me without cause. Please have management contact me and not a representative of a manager.
Product: Credit reporting or other personal consumer reports

I noticed unauthorized inquiries on my credit report that I would like removed. According to the FCRA, Section 611 ( 15 U.S.C. 1681i ), unverified inquiries must be removed. Please investigate and remove any unverifiable inquiries. 

XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XXXX  XX/XX/year> Ally financial XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/year> Ally financial XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit card

On XXXX XXXX 2024 I had reported fraudulent activity on my credit card in person to Chase Bank. I was then informed Chase Bank had sent a new credit card to my address for the one that was expiring without notification of letter or email. The mail never reached me and an unknown party used it to make purchases on XXXX XXXX and XX/XX/2024 that were unauthorized charges at XXXX XXXX XXXX {$82.00}, XXXX {$58.00}, AND XXXX {$420.00}. 

On XX/XX/2024 I went back to CHASE BANK in person. The merchants reported there was nothing abnormal in the transactions and CHASE BANK reversed the claim and put the credit back on my account. I have never made purchases at these luxury retail stores before or at the XXXX # XXXXXXXX XXXX XXXXXXXX XXXX station as I do not have a drivers license ( nor do I even know how XXXX XXXX ). These unauthorized transactions were not done legally or in good faith.
Product: Credit reporting or other personal consumer reports

I have been going back and forth with Transunion about a debt I do not owe but they continually side with the company instead of investigating the debt themselves before reporting incorrect information on my credit report, I have been requesting proof of debt according to XXXX and they would only send me monthly statements, now they sent me a letter stating dates of calls being placed and request to be in payment programs that I didn't know of, I have never requested any programs or called about payments, I told them I am willing to do a voice verification because I DID NOT CALL THEM, I have been requesting a copy of checks that was used to make payments, because I DID NOT WRITE THEM, I was unaware of any of these things that was going on and if someone would just take the time to check on these 2 things we could resolve this issue immediately, TRANSUNION continues to report a fraudulent account on my credit report and is leaving me no choice but to file a claim against them. 

THIS IS A COPY OF LETTER SENT TO XXXX  : I have been disputing this account for years, this was the first time I was made aware of calls placed on XX/XX/XXXX, enrollment in hardship program on XX/XX/XXXX, or updating this account on XX/XX/XXXX, I did not make any of these contacts, you should have voice recordings of these call which I am more than willing to give my voice sample to prove I did not make these calls, I know you don't know me but I give you my word i did not make any of those contacts, please check to see who made the payment on XX/XX/XXXX because IT WAS NOT ME, I have been saying for years that I was not me and finally now you may have the proof showing I'm not lying, so now its up to you if you are going to do the right thing and check your records, provide me evidence so I can figure out who made those charges and remove this account from my credit file or continue reporting something you know does not belong to me, this almost feels like an account takeover, could you please provide the phone number and email associated with the hardship program.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response. I feel like Im being taken advantage of, and my disputes are being ignored. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those accounts from my credit report. It has been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will be seeking litigation due to the stress this has caused me. My information was also impacted by the Equifax data breach and may have fell into the hands of the wrong person.
Product: Checking or savings account

I sent my relative {$80000.00} check. Someone stole the mail and erased the check to {$8000.00} and changed the name to a different person. The check was cashed at Chase. You can clearly see the check was altered. At first, Chase gave me a run around and said they couldn't find the claim. Now they said they couldn't fully reimburse me for the full amount of {$8000.00}. 

So if you sent a check to someone, let 's say {$50.00} for a XXXX  gift, and someone altered it to XXXX. You will be on the hook for the full {$5000.00}. Let that sink in. So anyone will be affected if Chase is not held accountable for their action. They need to train employees better and be held accountable. My friendof a friend encountered a similar issue. It seems like there is going on at Chase. I think you should do a story to protect yourself and all the consumers because you will never know what will happen to you in the future. Consumers should be protected in cases like this.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is very obvious that XXXX  is not concerned about accurate reporting ; instead the company bends to whatever untruths/mistakes that it's member corporations insist on reporting. I have submitted another dispute that is clearly a mistake on the company 's part, but XXXX either did not read the supporting evidence or refuses to force the company to modify the tradeline consistent with the status that is supported by the documentation. 
On XX/XX/XXXX, I submitted dispute # XXXX, is dispute to delete a tradeline. I filed because the creditor agreed to delete the tradeline as a result from a previous CFPB investigation ( XXXX ). The effective date of that deletion was XXXX, but as of XX/XX/XXXX, that tradeline still existed on my credit report. Evidently, the message to deltee the tradeline never made it to that company 's clerks who process credit reporting. So, in my most recent dispute, I attached the letter from the creditor which outlines the commitment and includes the tradeline deletion form. Instead of XXXX  reading and deleting the tradeline, they forwarded the dispute to Bayview ( now Community Loan Svcg XXXX again, and whatever clerk received the dispute responded back that the tradeline is reported correctly. So, it's clear that either XXXX didn't send the document to that clerk or that clerk didn't open to read the document from Bayview/Community committing to deleting the tradeline ( as of XX/XX/XXXX ). Attached is the documentation : 1. The CFPB complaint XXXX XX/XX/XXXX XXXX 2. Bayview/Community Loan Servicing Tradeline Deletion Commitment ( XX/XX/XXXX ) 3. Recent dispute results of tradeline deletion request showing Bayview/Community clerk responding the account is reporting accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, I discovered that my personal credit file has been given inaccurate information. The Experian and XXXX Credit Reporting Agencies continued to report unverified information without offering any of the legal requirements ' needed substantiation, in violation of the Fair Credit Reporting Act, 15 USC Section 1681i. The 2Credit Bureuas have failed to properly identify and present any verifiable proof within the required time frame permitted by law. The information below is false, and I never gave permission for my credit to be accessed. They have neither removed these inquiries from my credit report or given me a written authorization. I'd like the following questions to be stopped : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022
Product: Debt collection

I filed for bankruptcy in XXXX, PayPal/XXXX  was listed as a creditor, and the owed balance listed in the discharge. 

Since then, I have received collections emails for this XXXX debt, and recently the balance was collected against after a payment was sent as a gift for my sons XXXX and my birthday,? despite my non-use of the account since my bankruptcy. 

My attempts to rectify have not received responses via email, and my recent attempt to escalate via chat resulted in no response via email as promised, after I was told that because I owed the balance, it didnt matter that it had been XXXX.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you in good health. I am writing to express my deep concern and frustration regarding the unresolved issue of fraudulent item on my credit file. Despite multiple attempts to rectify this situation, the fraudulent item persist, causing significant distress and impacting my creditworthiness. 

I have reported this matter on numerous occasions, with each attempt aimed at a swift resolution. Regrettably, the continued presence of these fraudulent item is adversely affecting my financial stability and overall confidence in the accuracy of my credit report. 

I urgently request the following actions be taken : Immediate Removal of Fraudulent Item : Expedite the process of investigating and removing all fraudulent items from my credit file at the earliest convenience. 

Enhanced Communication Channels : Establish enhanced communication channels to ensure real-time updates on the progress made, providing transparent information about the ongoing investigation and efforts to rectify this issue. 

Preventive Measures Implementation : Implement additional security measures to safeguard my credit file and prevent future instances of unauthorized access or fraudulent activities. 

Compensation Consideration : Given the prolonged inconvenience and the potential impact on my financial well-being, I kindly request that you consider appropriate compensation or accommodations to address the stress and disruption experienced. 

I understand the challenges associated with addressing such matters but emphasize the critical nature of a swift and effective resolution to restore my confidence in the accuracy of my credit report. 

Please acknowledge receipt of this letter and inform me promptly of the concrete steps being taken to resolve the issue. If the necessary actions are not taken promptly, I may be compelled to escalate this complaint to relevant regulatory bodies and explore legal avenues to protect my rights and interests. I am asking for your assisstance to remove this fraud item in my credit file : XXXX XXXX  XXXX Balance : {$1500.00}.
Product: Mortgage

I was contacted by NewRez in late XXXX XX/XX/2021 to refi an existing loan serviced by them. In 28 years of residential and investment real estate transaction experience, I have never dealt with such an unprofessional company. For over 2 months now, they have strung me along, wasted my time, not followed up, assigned me to a couple of underwriters who were unfamiliar with the application, and delayed processing. I have responded to multi requests for the same uploaded document. NewRez has shown no professional integrity in customer relations. I received only promises of follow-ups from underwriting but no meaningful follow-up ever occurred. Trying to speak with underwriting is impossible. To this date, the application is still not fully processed. The whole awful experience makes no sense. They are an embarrassment to the real estate industry. If I could have reviewed them with negative stars I would. NewRez should be investigated for inappropriate customer business practices.
Product: Debt collection

TODAYS DATE : XXXX/XXXX/XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT : XXXX XXXX XXXX {$270.00} Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title  relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CREDIT COLLECTION SERVICES {$270.00} I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Debt collection

I am writing to formally file a complaint regarding potential violations of consumer protection regulations that have adversely affected me. Specifically, I believe that your company may be in violation of the following federal regulations : 12 CFR 1006.34 ( b ) ( 5 ) : This regulation mandates that debt collectors must provide specific disclosures in their initial communication with consumers. I believe that [ describe the violation or lack of required disclosure, e.g., " the initial communication I received from your company did not include the necessary disclosures as required by law. " ].

12 CFR 1006.34 ( c ) ( 4 ) ( i ) : This section requires that debt collectors provide consumers with a statement about their rights under the Fair Debt Collection Practices Act ( FDCPA ) when contacting them. I have not received this statement in the communications sent by your company, which may be a violation of this regulation.

12 CFR 1006.34 ( d ) : This regulation outlines the specific requirements for the validation notice that must be provided by debt collectors. Your companys notice [ describe any discrepancies, e.g., " failed to include the correct information or was provided outside the required timeframe. " ].

15 USC 1681s-2 ( a ) : This section of the Fair Credit Reporting Act ( FCRA ) prohibits the furnishing of inaccurate information to consumer reporting agencies. I believe your company may have reported incorrect or incomplete information about my account, which violates this statute.

I request that your company promptly investigate these matters and take corrective action as necessary. Please provide me with a written response detailing the steps you will take to resolve these issues, including any corrective measures to ensure compliance with the above regulations.

If these issues are not resolved within a reasonable timeframe, I may pursue further actions, including filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) or taking legal action. 

Thank you for your prompt attention to this matter. I look forward to your response
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX : {$1000.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3400.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : {$4100.00}, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX OF XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX RXXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.