23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/2020, a payment of {$800.00} was made to Carecredit/Synchrony Bank, which paid the outstanding balance in full. 

On XX/XX/2020, XX/XX/2020 and XX/XX/2020, CARECREDIT / SYNCHRONY BANK have drafted {$140.00} from my XXXX XXXX  account, resulting in overdrafts on two occasions. This has moved the Carecredit account into a credit balance. They have refunded this with a check that takes a week to receive for the XX/XX/XXXX and XX/XX/XXXX drafts. I have requested a refund of the XX/XX/2020 draft but it has not been received. 

I have spent hours on the phone with Carecredit and they say that the payment is initiated by XXXX. I have also spent hours on the phone with XXXX and are assured that this is untrue. In addition, I never set up on my XXXX online account or by phone to do bill pay. I always initiated payments through Carecredit/Synchrony website. In addition, XXXX verifies that these are ACH requests they are receiving from the merchant. 

I can not continue to have {$140.00} a month withdrawn from my checking account to a credit account that has been closed and paid completely in full. I have spent at least 8 hours across these three months with Carecredit and there is no real help that they have provided. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a loan with MoneyLion about three years ago and forgot about it since then. They have closed it and charged the data off and reported it on my credit report every single month for the past three years. 29 derogatory marks. I called today and tried to speak with somebody about paying off the lien and getting a XXXX balance letter. I recorded the phone call and in the phone call the man said that he could not send a XXXX balance report. He said that he had to go through MoneyLion procedures. I explained to him that he can not do that because there are certain consumer financial protection laws that do not allow moneylion to handle these things for them selves. He then admitted to breaking consumer financial protection laws on recording, then hung up on me. They will not answer my calls. They will not allow me to pay the balance. There are no loan documents either.
Product: Checking or savings account

Deposited {$110000.00} 2 days ago unto a short term CD. Was given NO option on what to do after maturity. There are no options online for choices on what to do with account after maturity. 
I emailed customer service a day ago and they answered they were not set up to answer my question to call a customer service number. 
I called the customer service number today XX/XX/year> at XXXX PST. Both the customer service agent and their manager told me they could not find a way to set up my CD to close at maturity, that the product was set up to automatically renew. I caught the issue on time, but it seems I have no way to get my money released at maturity. I was told to call back at maturity, and when I asked what would change on their end they could not give an answer.
Product: Mortgage

I received a letter from NewRez via mail with a printed date of XX/XX/XXXX notifying me that I am no longer responsible for PMI and that my next monthly billing cycle would be adjusted and the change may take up to 30 days. 
The adjustment was not made on my next bill ( XXXX ) and it has also not been made for my XX/XX/XXXX bill. I called them twice in XXXX and XXXX times in XXXX, a total of 5 times and this is still not corrected. They assure me that the change will be reflected in XXXX, but I do not trust that will happen. They said I will not be reimbursed for the XXXX payment and I just made the XXXX payment, including PMI I am no longer responsible for because I do not want to be charged a late fee and deal with the implications that could have on my credit history because NewRez is not doing what they are legally required to do.
Product: Checking or savings account

This letter is a formal demand under consumer protection laws, including the Electronic Fund Transfer Act ( EFTA ), 15 U.S.C. 1693, and the Fair Credit Billing Act ( FCBA ), 15 U.S.C. 1666. 

On XX/XX/year>, fraudulent transactions were made from my Bank of America account. Despite my prompt dispute and over 15 calls, your institution has failed to resolve the matter or refund the stolen funds. The ACH department appears to be intentionally delaying resolution to surpass the 60-day statutory window and evade refund obligations. Additionally, I have filed 10 complaints with the XXXX XXXX XXXX XXXX XXXX XXXX  **, all of which Bank of America has failed to respond to, further demonstrating disregard for accountability. 

The FCBA mandates credit issuers to acknowledge disputes within 30 days and resolve them within two billing cycles. Under the EFTA and its regulations ( 12 C.F.R. 1005.11 ), financial institutions must resolve disputes within 10 business days or issue a provisional credit if unresolved. Your failure to comply violates these laws, erodes trust, and compounds the harm caused by fraud.

Additionally, your claims of " world-class protection '' constitute deceptive advertising. Your negligence and refusal to act have caused significant financial and emotional distress. 

I demand the following actions within 5 business days : 1. Immediate refund of the stolen funds.

2. Written confirmation of dispute resolution under the FCBA and EFTA.

3. Direct communication from ACH legal counsel.

If unresolved, I will file further complaints with the Consumer Financial Protection Bureau ( CFPB ), Office of the Comptroller of the Currency ( OCC ), and pursue legal action for negligence, breach of duty, and deceptive practices.

This is your final notice to resolve the matter. Failure to act promptly will result in escalated legal measures. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

I submitted a complaint to you regarding what I consider to be subprime predatory lending. I filed this complaint on Sunday XX/XX/2019. It was against One Main Financial. Their response to the complaint was that they would respond, per your site, after they look into the matter. Because I sent it on a Sunday, it probably came across their desk on Monday morning. 

Well today is Thursday XX/XX/2019 ( 3 days later ) & I was served with a summons to appear in court on or before XX/XX/2019! They served me more than a month & a week after the deadline for which I was supposed to make this appearance! 

Would the timing of this serving have anything to do with the fact that I attempted to resolve my financial burden through CFPB? 

It is these very tactics, along with the ones listed in my first complaint with CFPB regarding my struggles and inability to meet their demands, that makes it hard to trust in this institution and attempt to begin any kind of resolution, without the assistance of CFPB and the FTC. 

How can I answer a summons, that the deadline was missed before I was ever even summoned? Is this legal? What are my rights?
Product: Credit reporting

I have been trying to clean my credit report up. I have XXXX things on my report that are over 7 yrs old and XXXX deleted the main XXXX. On my report DHS CS has put my child support on XXXX. I disputed it and it should be removed because its over 7 yrs old. But they allowed XXXX to change the date and make it a XXXX date open which makes no sense. I also found out by National collections that in XXXXthat they notified all XXXX major credit agencies that fines and arrest warrants were to be taken off. They are still on there and there 's more that that. XXXX is now adding inquiries on my report from XXXX. An investigation by your office should be done by ur office. Also, on my reports is a school loan from XXXX and that is over 7 yrs old and should be removed as well. When I asked the lady at XXXX if they verified information put on the report her answer was " we have no way of knowing if the information is valid or not. '' I have XXXX items knocked off and XXXX more ready to be knocked of and XXXX, XXXX reports that should be. Now they are adding inquiries that were not on there before? There are also many inquiries not initiated approved by me and they refuse to take them off. Please investigate my credit with all XXXX major credit agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous letters with no response requesting investigations and verifications of information on my credit report. This bureau has ignored my requests on the following occasions : Letters sent dated : XX/XX/2020, XX/XX/2020, XX/XX/2020, including a complaint warning letter dated XX/XX/2020. 

I have been more than generous with allowing the bureau more time than allowed by law to investigate and update my credit reports, but these incorrect accounts listed below have been negatively affecting my credit and I have had no luck in them doing what is right to fix this. The items listed below have been disputed with no response for over 6 months. This is ridiculous. 

1. Validate Account Chapter XXXX Bankruptcy Case Number : XXXX Please supply information on how you have verified this item. 

2. This Account was not 30 days late. 
XX/XX/XXXXAccount Number : XXXX Please supply information on how you have verified this item. 

3. This Account was not 30 days late. 
XXXX Account Number : XXXX Please supply information on how you have verified this item. 

4. This account was never 30 days late. 
XXXX Account Number : XXXX Please supply information on how you have verified this item. 

5. Validate Account XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item. 

6. Validate Account XXXX Account Number : XXXX Please supply information on how you have verified this item. 

7. Validate Account XXXX Account Number : XXXX Please supply information on how you have verified this item.
Product: Credit card

On XXXX XXXX, I contacted Capital One regarding a payment for {$290.00} that I question was not adjusted from my current balance that had posted to my account XX/XX/year> after my billing cycle statement. 

My current balance should be {$1000.00} instead of {$1200.00} and my available credit should be {$540.00} instead is {$250.00} current balance. 

I was not able to get any resolution from the supervisor or anyone else
Product: Mortgage

I have a mortgage with  PNC  BANK. I 've had this mortgage for years. Now my payments are changing without notifying me in advance. They are adding insurance that I already have and taking the money out of my Escrow. I can never reach anyone at PNC. There is a recording. This is wrong. They are literally taking my Escrow money and doing what ever they want with it. I never miss my monthly payments, yet my balance on my home is much higher than what it should be. The balance has gone up and not down. This company is not operating in compliance. I need your help with this matter. I want to put a stop to this and get my statements from PNC. I also want all money taken out of my Escrow for insurance that I already have returned.   I thank you in advance for looking at my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX inquiry date XXXX XXXX business type federal government this is an inquiry not made by me not aware of this inquiry XXXX XXXX inquiry date XX/XX/XXXX business type Jewelers inquiry made not by me not aware of this XXXX XXXX inquiry date XX/XX/XXXX tenant services inquiry made not by me not aware of this XXXX XXXX inquiry date XX/XX/XXXX inquiry not made by me XXXX XXXX inquiry date XX/XX/XXXX inquiry not made by me
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried on 2 other occasions to get Experian to update my balance to the correct amounts, my creditor all have different balances according to my account records as of XX/XX/2018 : 1. XXXX/XXXX # XXXX - Please correct the balance on my credit report, My balance should be XXXX, NOT {$570.00} -- -- - 2. XXXX/XXXX  # XXXX - Please correct the balance on my credit report, My balance should be XXXX, NOT {$470.00} -- -- - 3. XXXX  # XXXX - Please correct the balance on my credit report, my balance should be XXXX, NOT {$160.00}
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am not liable for this debt with XXXX XXXX XXXX. I do not have a contract with Titan Revenue Solutions, they did not provide me with the original contract as I requested.
Product: Debt collection

On XX/XX/XXXX, I ran my credit report on XXXX XXXX XXXX and noticed that I had new medical debt on each one of my credit reports. XXXX XXXX and XXXX XXXX. I contacted the company Midwest Recovery Systems. I told them that the debt was paid in full. Midwest Recovery System asked me to email them my proof of payment. He stated that that if it shows that I have already paid the account off that it would be removed on Friday the XX/XX/XXXX. I sent my proof of payment the same evening. I called to follow up on XX/XX/XXXX. The company passed me from one person to the other. The last person spoke to said it would take 90days to investigate. I have since filed a claim with both XXXX XXXX XXXX and Midwest Recovery Systems. Stating that they would look further into the situation. According to my credit report they have not removed the defaulted information or have they put the claim is as a dispute it now appears on my credit report as a collection and 30 days past due. This needs to be taken care of immediately. I have reached out to both companies and neither company has returned my numerous phone alls. At this point it is fraudulent activity on my credit report. I can not afford to have this derogatory information on my credit report for 90 days. I will be attaching proof that I made a settlement payment back in XX/XX/XXXX. XXXX XXXX also sent this account to this collection agency. XXXX XXXX XXXX has been moving this account around from one collection Agency to another, even after they have acknowledge the account has been paid in full. This is fraud. It is currently causing me a hard ship in receiving a mortgage. The file submitted below has already been sent in to the CFPB however it has never been addressed directly by XXXX XXXX XXXX in Conjuction with Midwest Recovery, only the former debt collection Agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to rent an apartment and today XX/XX/20 I applied at XXXX apartments and I was told that I did not qualify to rent there due to having negative accounts appearing on my credit report. I was shocked to hear this since I have always made it a priority to stay on top of my payments in order to maintain good credit. I looked through my credit report myself and saw several accounts that do not belong to me. There are over ten accounts on my credit report that were opened without my permission. I have no idea who stole my personal information to open these accounts but I have already reported it to the police as well as filed a complaint with the Consumer Financial Protection Bureau. I did not benefit anything from these accounts nor did I contribute to any payments or purchases made.
Product: Student loan

A few problems Initially it was hard to get information on loan balance for approximately a year to year and a half. Navigation of the phone system was very difficult. Also, when I called the representative either did n't answer or ne it was difficult to get the balance. Only when I became frustrated and spoke more sternly or called back or asked to speak to a manger would I get a proper answer. 
Had issues where I paid extra on the account and they never applied it to the loan but applied it to the next payment. I called a few times and finally gave up. 
I never received a bill since Navient took over my loan. With XXXX XXXX I had a booklet and a way to find out what my daily balance of each loan was. 
After the first year or year and a half of them owning my loan Navient took steps to better the phone procedures and later created the website where I could check this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ; XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXXL XXXX Balance : {$9700.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, 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 the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXXXXXX XXXXAccount name : XXXX XXXXXXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting or other personal consumer reports

Subject : Request to Remove Fraudulent Addresses from My Credit Report Dear Credit Bureau Name I am writing to formally request, yet again, the removal of fraudulent addresses from my credit report. Despite several previous communications regarding this matter, these unauthorized addresses continue to appear on my credit profile, causing significant distress and potential harm to my financial standing. 

My personal information was compromised in a data breach, and I have since been a victim of identity theft. This has resulted in the addition of unauthorized addresses to my report, which I did not authorize and which do not reflect my true residency history. This issue has led to considerable disruption in my life and presents ongoing risks to my financial security and privacy. 

The Fair Credit Reporting Act ( FCRA ) mandates that credit reporting agencies maintain the accuracy of consumer reports and take immediate action to correct inaccuracies. Section 611 of the FCRA, 15 U.S.C. 1681i, imposes an obligation on credit bureaus to investigate and remove information found to be inaccurate or unverifiable. Additionally, case law supports my request for these corrections. In XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), the court affirmed that credit bureaus must go beyond simply re-verifying disputed information, instead requiring a reasonable investigation, particularly when the consumer has provided evidence of inaccuracies. This ruling clearly places a duty on credit bureaus to act with due diligence in investigating disputed items. 

Furthermore, in XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), it was determined that failing to reasonably investigate a consumer 's dispute is a violation of the FCRA, and consumers are entitled to legal recourse if credit bureaus neglect this responsibility. Your ongoing failure to address and remove these fraudulent addresses constitutes not only a violation of my rights but a disregard for your statutory obligations under the FCRA. 

If you do not comply with this request to delete the unauthorized addresses from my credit report, I am prepared to pursue legal action. Consumers have the right to hold credit bureaus accountable, as reaffirmed in XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), where the court upheld significant penalties against credit bureaus for failing to maintain accurate records. 

I urge you to take immediate corrective action. Please provide confirmation of the removal of these fraudulent addresses from my report within 30 days of receipt of this letter. If this issue is not resolved, I will have no alternative but to seek legal remedies to ensure my rights under the FCRA are protected. 
The addresses to be deleted from my credit report are as follows : XXXX XXXX XXXX XXXX, Florida, XXXX and XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Now in the XXXX ( a ) prohibits a company from furnishing inaccurate information to a CRA. XXXX XXXX is reporting inaccurate information on my credit report. Please see attached the information and proof of inaccurate reporting, Please DELETE this information on my credit report. 

1. They are currently reporting twice on my Equifax credit report which is a FCRA violation ( please see attached proof ), 2. the have reinserted this account back on my TransUnion credit report without written notice, which is a FCRA violation.

3. On my credit report, the account number changed from XXXX and XXXX, and XXXX now to account number XXXX ( Please see attached proof ) I didnt get a written notifications that this was changed or anything. 
4.They have also changed the portfolio status from one company, XXXX XXXX XXXX XXXX to now XXXX XXXX XXXX XXXX XXXX Also see highlighted that the address had changed. 

Please attach the proof of inaccuracy when it comes to this account on my credit report. The information that they are reporting to the credit bureau is not accurate and i have attache proof that they are violating the FCRA. A proper investigation is not being done to correct this reporting. The last date active is all different, the date opened is different, and on Equifax is showing its late 120 days with a balance in collection. Again, a collection is late and past due by default.The reporting again is inaccurate. XXXX  and XXXX  was unable to properly verify that the reporting information on this account is correct. I know all three major bureaus falls under the FCRA guidelines. Please tell me how Equifax is different?