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

I deposited a company check on XX/XX/2021 at a local Bank of Amercia branch. This check is from the same business account from where my checks are deposited directly every 2 weeks. After making my deposit, the check was placed on hold till XX/XX/2021. That is a 10 business day hold on a company check?? I need the funds to pay for the repair of my car, which i've been without for 3 weeks. After 9 phone calls, 3 with a supervisor and 2 visits to a branch, no one can help me or give me an answer as why it takes 10 business days for a check to clear. I'm a single Father of XXXX. If I don't have a car I can't work. I understand a 2 or even 3 day hold. But to hold a {$3500.00} company check for 10 business days is absurd. It seems Bank of America is simply drawing interest on my funds, what other plausible explanation is there for a 10 day hold of funds.
Product: Credit reporting or other personal consumer reports

15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX the financial institution and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. 

Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization that I, the consumer, may have given you that was written, unwritten, verbal, or nonverbal per 15 USC 6802. Any and all consent to Equifax, XXXX, XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. According to 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need you to attend the following shown items in this letter which contains data taken directly from my credit report which you have provided. 
Hard Inquiry Name Here down below Delete this unconfirmed inquiry lacking certifiable evidence unless physically certified verified proof is d

emonstrat ed per U.S CODE 15 U.S.C. 1681 ET SEQ. Section 604 of Fair Credit Reporting Act Once you have fulfilled my request, mail me an updated credit report reflecting these changes
Product: Mortgage

My HLOC was transferred from XXXX XXXX to XXXX XXXX XXXX. I made my first payment of {$310.00} to Rushmore on XX/XX/2018 through XXXX bill pay. Subsequestley Rushmore called me and said they had not received the payment. I contacted XXXX and they verified that an ACH payment of {$310.00} was sent to Rushmore and cashed on XX/XX/2018 by Rushmore Rushmore continued their daily dunning calls and said they had not received payment. I obtained a proof of payment form from XXXX and faxed it to the fax number supplied by Rushmore. Rushmore informed me that they opened an investigation into the lost payment that would be completed on XX/XX/2018. 

I continued to receive daily dunning calls. I contacted XXXX and they called Rushmore on three different days and stated that my payment had been cashed. 

On XX/XX/2018 early in the morning I received a call from Rushmore about non payment and they informed me that there is no evidence that they had made any investigation of my lost payment.
Product: Mortgage

In XXXX XXXX our payment increased on our second mortgage loan. I started the modification process with SLS mortgage and still have no resolution. They do n't call me and when they do I found out they do n't leave messages. They have my address wrong so I have n't gotten any communication from them denying my request for modification. When I called they said they were working on it. Turns out it was denied and no one bothered to tell me. It was denied on XXXX/XXXX/XXXX and I called and found out of the denial on XXXX/XXXX/XXXX. This is causing stress, delinquencies on my credit report. I understand we needed assistance on the mortgage payment but they were supposed to do their part too. They are rude and condescending to me when I call. I am not in a situation to refinance so I am stuck dealing with them and they are making it impossible.
Product: Credit reporting or other personal consumer reports

There are too many dates to list. Our payment history for Ally auto loan has been incorrect since opening in XXXX. Its the only negative thing on my credit. They have reported XXXX on time payments. XXXX of the loan is paid. I can provide bank statements to prove we've paid these as well as screenshots from Ally customer service stating they couldn't fix the issue because it didn't show those late payments on their end .... so why is it on my credit report every single month as late? At this point I deserve more than a corrected report. I deserve compensation for the interest rates and denials I've received over these false reportings.
Product: Credit reporting or other personal consumer reports

I am filing yet ANOTHER formal complaint against TransUnion for their continuous failure to accurately report my credit information, despite my repeated attempts to resolve this issue over the past four years. While other credit bureaus correctly reflect my on-time payments and lowered debt, TransUnion persistently decreases my credit score without justification. 

I have submitted multiple disputes and complaints, yet TransUnion has failed to correct the errors, provide adequate explanations, or take any meaningful action to ensure the accuracy of my credit report. Their negligence has caused significant harm to my financial standing, impacting my ability to secure favorable credit terms and financial opportunities. 

Issue Details : I have maintained a responsible credit history, making on-time payments and actively lowering my debt. However, TransUnions reporting does not reflect these improvements.

Despite multiple disputes and reports over the last four years, TransUnion has not corrected my credit score to accurately reflect my financial behavior. 
Their failure to uphold accurate credit reporting standards has resulted in ongoing financial damages, including higher interest rates, denied credit opportunities, and unwarranted financial stress.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human, I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681. They have/are violating my rights on numerous times continuously. I demand the accounts listed below be removed because : According to 15 USC 1681 : I have the right to privacy and I did NOT give Equifax written permission to furnish these accounts : ACCOUNTS : ACCOUNT XXXX XXXX ( XXXX XXXX  ) Account Number : # # # # # XXXX ACCOUNT XXXX XXXX ( XXXXXXXX XXXX  ) Account Number : # # # # # XXXX ACCOUNT XXXX XXXX ( XXXX XXXX ) Account Number : # # # # # XXXX ACCOUNT XXXX XXXX ( XXXXXXXX XXXX ) Account Number : # # # # # XXXX
Product: Credit reporting or other personal consumer reports

These accounts are past statue of reports and needs to be removed off all 3 credit bureaus. Equifax, XXXX, XXXX. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX {$190.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX Balance {$620.00} Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX  Balance {$7000.00} Date Opened XX/XX/XXXX XXXXXXXX XXXX XXXX Balance {$11000.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX Balance {$9700.00} Date Opened XX/XX/XXXXXXXX XXXX XXXX  Balance {$6200.00} Date Opened XX/XX/XXXX XXXX XXXX {$5600.00} Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX {$4500.00} Date Opened XX/XX/XXXX XXXX XXXX {$2000.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXXXXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and found inquiries that were not authorized by me.
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. 

I TOLD XXXX, TRANSUNION, AND XXXX TO REINVESTIGATE THESE ACCOUNT!! 
XXXX XXXX XXXX XXXX HOWEVER THEY STATED EVERYTHING WAS COMPLETE AND ACCURATE. BUT HOW IS THAT POSSIBLE IF OPEN DATE AND LAST ACTIVITY AND MUCH MORE IS FALSE AND INCORRECT! 
15 USC 1681I ( 5 ) THEY ARE SUPPOSED TO MODIFY ACCOUNTS THAT ARENT REPORTING CORRECTLY 15 USC 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 RESONABLE CAUSE TO BELIEVE INFORMATION IS INACCURATE
Product: Credit card or prepaid card

On XX/XX/2018, I ordered a 3-4 person double layer hydraulic-lift tent ( order XXXX from XXXX XXXX -- XXXX XXXX XXXX ) for {$69.00} and received on XX/XX/2018, a single layer tiny non-hydraulic tent ( it looks like a flimsy tent for a child/pet ). I disputed this charge after not hearing back from the customer service after lodging my complaint on XX/XX/2018. I sent photos and also noted that with checking, this XXXX XXXX is a XXXX scam and that there are many of us who were taken. Citi card denied my dispute " since we have not received the credit slip or chargeback approval letter from the merchant to prove they agree you are due credit for this charge. '' A description from others about the scam : XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Wrong address some type of fraud.
Product: Debt collection

Since the begining of 2020 i been try to resolve this matter but the company XXXX XXXX is not willing to help me and since about 6 month they start to impose a fee increasing the amount that they said i owe wich star as XXXX and now because of all the fees that they are adding in violation of the contract is more than XXXX
Product: Debt collection

I have an alleged debt with the company Machol and Johannes. They are a law firm that holds my alleged debt that i previously allegedly had with a credit card company. I fell on hard times and was medically unfit to work so I couldn't pay the debt, in the event that it is mine since they have failed to provide any kind of verification for it. Now, I have a job, and I want to pay any verified debts i may owe. However, after phone calls from them, and my information displayed on their website saying I owe them $ , I sent them a debt validation letter through certified mail with a return receipt. I sent this letter on the XX/XX/XXXX, and they received the letter on the XX/XX/XXXX. I have not received a response as of yet. I was under the impression that they were required by the law ( fair debt collection practices act ) To respond within 30 days. It has been well over that. I can provide any other info you guys need. I don't have all the phone calls, but there were a decent amount. I just want them to validate their debt, but I do not find it fair that my debt is continuing to increase when they will not respond to requests to validate the debt so I know I actually owe it to them. I am in a state of being unable to pay them due to their inability or failure to verify it, meanwhile I am making them interest money. More precise details are below in the attachments i provided. Here is the name and address of their business. 

Machol & Johannes LLC XXXX XXXX XXXX XXXX XXXX XXXX, Colorado XXXX
Product: Checking or savings account

Consumer Financial Protection Bureau ( CFPB ) Complaint** Institution Name : Sterling National Bank XXXX now part of Webster Bank XXXX Address : [ Look up Webster BanksXX/XX/XXXXXXXX address or use : XXXX XXXX XXXX, XXXXXX/XX/XXXXXXXX ] Account Number : [ Your Former Account Number, if known ] Dates of Account Activity : XX/XX/XXXX XX/XX/XXXX -- - **Subject : ** Fraudulent Withdrawals and Unauthorized Transactions in Closed Account Loss of $ XXXX XXXX Details : ** To the CFPB, I am filing this complaint against Sterling National Bank ( now merged with Webster Bank ) for failing to investigate or resolve **over {$30000.00} in unauthorized withdrawals and fraudulent transactions** that occurred in my checking account between XX/XX/XXXX and XX/XX/XXXX. These funds were my late fathers savings, intended to pay for my college education, and their loss has caused severe financial and emotional harm. 

**Key Issues : ** 1. **Unauthorized Withdrawals/Transactions : ** - During the accounts active period, **repeated unauthorized withdrawals** ( e.g., ATM withdrawals, wire transfers, or debit charges ) drained the account of over {$30000.00}. I reported these transactions immediately to Sterling National Bank, but they refused to investigate or reimburse the stolen funds. 

2. **Source of Funds : ** - The $ XXXX in this account was left to me by my father, who passed away in XXXX. It was his final wish that this money fund my college education. Due to the banks negligence, I was forced to take out high-interest student loans and delay my degree. 

XXXX. **Violation of Federal Law ( Regulation XXXX ) : ** - Sterling National Bank violated the **Electronic Fund Transfer Act ( Regulation E ) ** by ignoring my fraud reports and failing to conduct a timely investigation. They also did not provide provisional credit during the investigation, as required by law. 

4. **Post-Merger Responsibility : ** - Since Sterling National Bank merged with Webster Bank in XX/XX/XXXX, I urge Webster Bank to review Sterlings legacy records and resolve this complaint. Federal law requires banks to retain account records for XXXX years**, so the transactions should still be traceable. 

**Resolution Requested : ** - Full reimbursement of $ XXXX stolen from my account. 
- A formal explanation from Webster Bank ( as XXXX successor ) detailing how the fraud occurred and why it was ignored. 
- Assurance that Webster Bank will improve fraud detection to protect future customers. 

**Final Statement : ** While I no longer have access to bank statements ( the account was closed in XXXX ), XXXX XXXX XXXX now XXXX XXXX legally obligated to maintain records of these transactions. This money represented my fathers last gift to me, and its loss has irreparably harmed my education and financial stability. I trust the CFPB will compel Webster Bank to right this wrong. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. US DEPT OF ED XXXX XXXX U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy 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.

According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Debt collection

Debt collector using the name XXXX XXXX from XXXX Ca, called from XXXX stating he was an investigator and my name had been mentioned in an investigation. He left a case number and that I needed to contact his ASAP. When I called it turned out to be a debt collection on my motorcycle which I am currently 2 payments behind. I told him I would call the company, he then called and left this same message on my sons cell phone with my wife 's name. I am the only signer on this loan according to the law he should not be making calls to third parties. I still have the message he sent to my step son 's phone number while he was at work. That call caused a lot of stress for my stepson while he was at work. I called the gentleman back and verbally requested that he not make any additional calls to any third party. He stated that he had not made any calls to any third party. I also requested his fax or address so I could send a formal letter requesting that he make no more calls to third parties. At this time he hung up on me.
Product: Debt collection

The company promised to not report the debt to the credit bureaus if I paid it. I paid the debt XXXX years ago and they DID report it to the bureaus. I want it removed immediately! It is causing me issues obtaining credit.
Product: Credit reporting or other personal consumer reports

According to 15 USC 1681i ( a ) ( 1 ) ( A ) XXXX, XXXX, and Equifax have 30 days to respond to my dispute. This a violation of my rights. In accordance with the Fair Credit Reporting act XXXX  Account # XXXX # XXXX # XXXX, has violated my rights. 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, I have had several other vehicles and credit accounts removed from my credit. USAA is refusing to allow the removal of this fraudulent debt. 

The dispute for the account with USAA FEDERAL SAVINGS BK that starts with XXXX was not changed as a result of our processing of your dispute. The company that reported the information has certified to XXXX that the information is accurate. 

I want to see what they are claiming is certified proof-
Product: Debt collection

On XX/XX/XXXX @ XXXX CST I received a call from XXXX XXXX who transferred me to a XXXX XXXX XXXX Zinco Collection Agency . Not sure of the exact spelling. I advised I needed to call him back after XXXX today. I called back at XXXX and asked for XXXX XXXX , another gentleman answered. XXXX XXXX then got on the line and explained I owed {$9600.00} for a XXXX XXXX opened in XX/XX/XXXX and closed in XX/XX/XXXX. I stated I never had such card and advised him he was mistaken. After @ 27 mins conversation he finally stated he recorded our call towards the end. I told him that was not legal and he should have advised this in the beginning. I asked for a XXXX # he never provided it. When XXXX XXXX initially called me she said she was calling on Case # XXXX. She did not state anything else and transferred the call. I never had a XXXX XXXX. XXXX XXXX also had personal information SS #, former and current residence addresses. Threatened to cease all bank accounts effective XXXX on XX/XX/XXXX. I again explained I would need to find an attorney to dispute the charges. XXXX XXXX became offensive and continued to state my accounts would be ceased effective Wed XX/XX/XXXX. My concern was his knowledge of information and his " collection methods '' I asked for written documentation to be mailed so I could validate the alleged debt, he clearly indicated he could not provide such, he was only here to collect the debt! This is unprofessional and uncalled for. I wanted to submit an official complaint for 1 ) a debt that was not mine 2 ) the methods used, 3 ) harassment on the phone 4 ) etc..
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. Charge Off XXXX - XXXX - {$2800.00} XXXX CARD - XXXX - {$11000.00} XXXX  - XXXX - {$0.00} Late Payment XXXX CARD - XXXX - {$5200.00} Inquiry XXXX XXXX XXXX - XX/XX/year> XXXX XXXX  XXXX XXXX XX/XX/year>
Product: Credit card

RE : CAPITAL ONE RETAIL STORES ( XXXX ) - ERRONEOUS LATE CHARGES ON MY CREDIT CARD EVERY MONTHCAPITAL ONE RETAIL STORES ( XXXX ), XXXX XXXX XXXX, XXXX CA XXXX ( XXXX ) XXXX, ACCQUIRED XXXX CREDIT CARD WHO WAS FORMERLY OWNED BY XXXX BANK. CAPITAL ONE RETAIL SERVICES HAS CONTINUED TO CHARGE ME LATE CHARGES EVEN THOUGH I WAS N'T LATE. EACH TIME I RECEIVED THE LATE CHARGES, I WOULD CALL INTO THE BANK TO HAVE THEM REMOVED. MY PAYMENT IS ALWAYS MADE BEFORE THE PAY DUE DATE OF THE XXXX OF EACH MONTH. IN XXXX I RECEIVED A LATE PAYMENT FOR XXXX, I CALLED CAPITAL ONE TO LET THEM KNOW THEY HAVE MADE A MISTAKE AND THAT THEY RECEIVED MY PAYMENT AT THE BEGINNING OF XXXX AND THEY CHAGED ME LATE ON THE XXXX. THEY SAY THAT THEY CORRECTGED IT, ON MY STATEMENT THAT I JUST GOT IT APPEARED TO BE CORRECTED AFTER THE FACT AND NOW THAT THEY PAYMENT IS DUE FOR XXXX THEY WANT ME TO PAY {$110.00} WHEN THE PAYMENT IS NORMALLY AROUND {$78.00}. I LOOK AT MY STATEMENT AND IT SHOWS THAT THEY RECEIVED MY PAYMENT FOR XXXX ON XXXX/XXXX/15 AND THEY STILL CHARGED ME A LATE PAYMENT ON XXXX XXXX, 2015 AS IF I HAD NOT PAID. THIS HAS CONTINUED TO OCCUR SINCE THEY HAVE ACQUIRED THE ACCOUNT FROM XXXX BANK - XXXX. PLEASE MAKE THEM CORRECT THEIR RECORDS AND STOP CHARNING ME LATE FEES, THIS IS DAMAGING TO MY PAY HISTORY WITH THE BANK. 
THE CAPITAL ONE CORPORATION HAS XXXX COMPLAINTS FILED AGAINST THEM AND XXXX OF THOSE COMPLAINTS ARE BILLING/COLLECTION ISSUES