23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This debt collector has violated my rights under the FDCPA so many times. They failed to provide documentary evidence that I owed them the alleged debt that they reported to the consumer reporting agencies. After I sent them my Cease and Desist and Debt Validation documents, they removed the negative account from my consumer reports, but the fact that they removed it, proved that they were violating my rights and they are liable under 15 USC 1692k for the violations.

They were sent an Affidavit of Truth and that stands unrebutted ; an unrebutted Affidavit stands truth in commerce. This further proves that this debt collector is being willfully noncompliant and they are to be held responsible for the violations. 
I have sent them an opportunity to cure due to them defaulting and they completely ignored it.
Product: Bank account or service

I used my debit card between XXXX and XXXX. At this time my checking account was in a positive balance, on XXXX I withdraw funds out of my checking account in the amount of XXXX, that caused me to have a overdraft fee of XXXX. On Tuesday, something told me to check my regions account, which I did and my negative balance was approx. XXXX. I thought this was an error so I called Regions customer service, I spoke to several supervisors on this day, the last person told me that her supervisor would issue a XXXX refund but that was it because, what happen was even though my account was in a positive over the weekend, when I over-drafted on Monday that caused my account to overdraft 9 times, which I am confused, how can you overdraft when your account is in a positive? Regardless of what order your transactions are being entered and I expressed this to the supervisor, whom advised me to go to the branch and speak with a branch manager, on XXXX, I spoke with a branch manager whom stated they can not refund overdraft fees anymore, that was taken away from them, she also gave me the total that I should of been charge, she states XXXX. My transaction receipt says I would be a charged an over-drafted fee and my negative balance is XXXX. This is not right, I do n't have money to give to Regions, I know that I had to pay a over-draft fee for my withdrawal on XXXX. But not for any purchases I made over the weekend prior, this is not right and should be looked into. How can you charge my account over-draft fees when I was in a positive balance and also, why are you turning the transaction order around, that 's how a lot of people miss fraud, the order should stay the way the person uses their debit card. I never knew the order was changed and have always wondered why I had to study my account to make sure there was no fraud transactions on it, this make it hard for a fraud transaction to be recognized immediately, unless in my case it 's XXXX in over-draft fees. And also, on XXXX the branch manager advised me to call customer service back pertaining to the fees, and I did so sitting in her office, the only thing I was told very rudely, was that I was getting nothing back on my account, and spoke to another supervisor that stated she will file a complaint for someone to call me back. This is horrible, I do n't have money to give to Regions, notice i over-drafted on XXXX. Why would a bank try to take a persons money? Upon writing this complaint, XXXX from Regions called me and explained that she will refund another XXXX and also they have charged me another XXXX for a transaction that I made over a week ago, my account balance is now in the negative of XXXX. I have been giving mixed communication about opt in and opt out, so I am opt out of Regions service, and still did not receive a full understanding on that.
Product: Money transfer, virtual currency, or money service

I received an email from Venmo on XX/XX/2023 that my account was suspended for suspicious activity. I thought it was a scam honestly, until I opened my Venmo app, and it said my account has been permanently suspended. I looked at my transactions to see if I've been hacked, but no, last transaction was from XXXX, when I sent my cousin money I owed him. Previous transactions were the same, between friends and family, a few dollars here, a few there, the biggest transaction was like {$210.00}. I've attempted 3 times to reach out to Venmo to get an explanation, and been politely shut down. It's frustrating because I've been a customer for years, and I enjoy their service and their app, and now they won't tell me what I did wrong. There's nothing in my transactions that could be considered improper. But Venmo is adamant in not reinstating my account or giving me a valid explanation.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am formally disputing specific inaccurate, unverifiable, and potentially outdated information currently being reported on my credit file. As a consumer, I have the right under the Fair Credit Reporting Act ( FCRA ) to ensure that all information listed on my credit report is 100 % accurate, verifiable, and complete.

Upon reviewing my credit report, I have identified several questionable items that do not meet the required standard of accuracy or verification. Your agency is obligated, under 15 U.S. Code 1681e ( b ), to follow reasonable procedures to ensure the maximum possible accuracy of the information reported. Furthermore, under 15 U.S. Code 1681i ( 5 ), if an item is found to be inaccurate, incomplete, or unverifiable after a reinvestigation, it must be promptly deleted or corrected, and the furnisher must be notified of the modification or removal.

As per recent updates in XXXX regarding consumer rights under the FCRA, credit reporting agencies are expected to : Provide clear and accessible evidence of verification upon consumer request.

Ensure third-party data furnishers comply with accuracy and timeliness regulations.

Adhere to stricter timelines for dispute resolution to prevent prolonged negative impacts on consumers.

Given these legal requirements, I am requesting the immediate reinvestigation and correction of the following disputed items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you are unable to provide me with documented, verifiable proof that the disputed information is 100 % accurate, within 15 days of this request, you are required by law to delete or correct the erroneous data. Failure to comply with these legal obligations may result in further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) or taking legal action for noncompliance with federal regulations. 

I appreciate your prompt attention to this matter and expect to receive written confirmation of the corrections made. Please provide all relevant details of your investigation and any documentation used to verify the disputed information. 

Sincerely, XXXX XXXX
Product: Prepaid card

I am unable to spend any funds on my RushCard. I have waited on hold for more than XXXX hours. I ca n't get anyone to assist me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 On Friday XXXX XX/XX/2022 I contacted XXXXXXXX XXXX to cancel my subscription the very next morning I sign on and was told I could cancel at anytime on or before within ten days and I ask for a confirmation number and was giving XXXX at XXXXXXXX XXXX  and XXXX XXXX they are trying to charge my credit card for a monthly fee which was told it was cancel.
Product: Credit card

In XX/XX/XXXX, I received a bill from Macy 's for over {$700.00}. I reported that I had not made these charges. Macy 's closed the account, informed me they would investigate the fraud, and issued me a new credit card. Within XXXX weeks, additional fraudulent charges were made to this new card, in excess of {$1000.00}. I reported this as fraud to Macy 's and told them to eliminate my information from their databases and NOT SEND ME any additional cards. Macy 's promised to investigate both incidents of fraud. I sent as you will see from the attached documents everything they requested, reported each of the fraudulent incidents to the local police. In spite of these fraud investigations, Macy 's had their collections departments calling me and on XX/XX/2016, reported me as XXXX days late to XXXX. XXXX refused to remove the incorrect 30 day late report for Macy 's had told them it was legitimate even though it was not. I am at a loss as to how to get Macy 's to remove the negative credit report which they should have already done. I therefore am requesting your intervention.
Product: Credit reporting or other personal consumer reports

I have not made these accounts and strongly suspect they are fraudulent. Please do a thorough investigation and remove them from my credit report immediately. I have provided evidence to support my claim.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX  fraudulently used my nonpublic personal financial information by disclosing said private information information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley-Act ( 15 USC 6802 ). XXXX XXXX XXXX XXXX is depriving my of my rights under the color of law ( 18 USC 242 ). and is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to EQUIFAX by way of identity theft and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX account XXXX XXXX XXXX XXXXXXXX XXXX XXXX and XXXX XXXX  has violated my rights. These are the names that appear on my credit reports 15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 604 section 2 : It also states a consumer reporting agency can not fumish an account without my written introductions
Product: Debt collection

Continental Credit Control claims that the creditor they are representing, XXXX XXXX XXXX XXXX, has placed my account with them for collection. They claim their records reflect that this debt is unpaid and due. I contacted XXXX XXXX XXXX XXXX billing and they have no record of this bill - it was from 7 years ago. They have no record of ever trying to collect on this bill. My health insurance at that time, XXXX XXXX XXXX, also has no record of this bill. There is no proof that this bill exists, and no proof that if it did exist, that in the last 7 years, XXXX XXXX XXXX XXXX did not write it off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I placed an dispute on XX/XX/XXXX asking for an verification of the dispute on XX/XX/XXXX which was on a Sunday. Then on Tuesday XX/XX/XXXX I receive an email stating dispute was completed except when I tried to contact them at XXXX it would not allow me to speak with a live representative. So how did the verify anything with no documentation
Product: Credit reporting or other personal consumer reports

My information was used in a data breach and they used my information too open accounts in my name put fraudulent checks in the account applied for credit cards tried to get phones in my name I made a police report
Product: Credit reporting or other personal consumer reports

My Capital One account that was charged off was reporting incorrectly for multiple months. It was and still is reporting as charged off even though when I call them, they say that they sold the debt to XXXX XXXXXXXX XXXX, a debt collection company. 

On XX/XX/XXXX, XXXX XXXX XXXX said that I was approved for a permanent hardship program and that they would cease collections on the account close it permanently marking it paid on my credit reports. 

On XX/XX/XXXX I pulled my credit report. The issue is in the discrepancy between this credit report and following ones. The XX/XX/XXXX credit report showed BOTH the Capital One account that was sold to XXXX XXXX XXXX, AND showed the XXXX XXXX XXXX  account as paid off. If Capital One sold my debt, they are responsible for not be reporting it as an account that they currently own that is charged off, and therefore only the collections should be showing. 

However, as I mentioned, I was approved for the permanent hardship program after I applied for it in XX/XX/XXXX. To my surprise when I pulled my credit report in XX/XX/XXXX, both Capital One and XXXX XXXX XXXX were both showing as charged off accounts, and paid and closed that was on my XX/XX/XXXX credit report was no longer there. 

I am requesting that you remove both the Capital One account ending in XXXX and the XXXX XXXX XXXX ( XXXX ) account from my credit report among all XXXX  bureaus, especially given the fact that it was considered paid off due to my permanent hardship application through XXXX, the company Capital One sold my debt to. I called XXXX XXXX XXXX today XX/XX/XXXX and the representative told me verbatim that I am no longer liable for the debt. 

This discrepancy is negatively impacting my ability to fix and repair my credit and XXXX XXXX XXXX is refusing to furnish a physical letter saying that I was approved for this hardship program. Regardless, it was reported as paid off before in XXXX, so there should be no reason it is showing up as charged off or in collections when it is not either of those things. Capital One is also still saying as of XX/XX/XXXX that on their end the debt still shows as being sold and collected upon by XXXX XXXX XXXX. 

Again, the resolution I'm looking for is to delete both of these accounts off of my credit report since they have been satisfied, and the terms of satisfying the account include deleting the debt off of my credit report.
Product: Bank account or service

Since XX/XX/XXXX I have received a promotional offer of {$200.00} to open a new checking account with BMO Harris Bank. It is now XX/XX/XXXX and I have yet to receive my incentive for opening a new checking account. Every quarter I brought it up to the personal bankers and Branch Manager and I have not had a resolution. This bait and switch advertising tactic to encourage people to open a new checking account should be illegal. I have not talked to them in almost 4 months because it 's a waste of my time to try to collect something that will never appear. The branch location is XXXX XXXX XXXX XXXX XXXX, AZ XXXX. XXXX. Customer Service says there are no notes on the account showing my request and I 've brought it up to them in 6 or 7 different instances.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fact they can not seem to grasp their so called reporting and analysis ofmu score will never be correct because they do not have the latest correct information they NEVER DO because the system is designed NOT TO REPORT the latest except negatives. They know this, you know this we all know this is total fraud and in my opinion deliberately reporting wrong and blaming everyone but themselves.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had broken a lease in 2016 due to someone breaking into my apartment. That person lived in the same complex. I notified the police and they came out and didnt an investigation. I shortly after moved out. I am now having this apartment company put collection info on me. In Oklahoma all you need to do to break a lease is have your livelihood jeopardized or in danger. They ( XXXX  ) are reporting that I accrued this {$1500.00} in damages and other fees which is a fictitious lie. They are actually trying to get the three months rent. I have disputed this 3 times with Experian to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase Mortgage was in the process of reporting my Mortgage paid in full and never accomplished the task. I called the organization and they have never responded or never showed paid in full. The mortgage I am fully satisfied with why are they not showing paid?
Product: Checking or savings account

On XX/XX/2020, I commenced a series of five transfers from my TCF National Bank ( XXXX, MN ) savings account ( ending in XXXX ) to XXXX XXXX XXXX. The first four transfers were in the amount of {$25000.00} each. The fifth transfer was in the amount {$4600.00}, bringing the account balance to XXXX. TCF Bank then closed the account. 

In order to close an upcoming purchase of our home, I need the most recent - prior to closing of the account - statement from TCF Bank. While the Bank purports to provide such via its website, the account statement available is only through XX/XX/2020 which, obviously, does not reflect the account balance as of the end of XXXX or the statement closing date as of the first few days in XXXX. It is this statement that I need in order satisfy the real estate lender 's requirement regarding proof of availability of funds. 

On two separate occasions I have called the Bank and requested the needed statement. While the Bank promised to provide such via the USPS, it has not done so. Moreover, the Bank has stated it would post the overdue statement to its website, but as of today ( XX/XX/2020 ) it has not done so.
Product: Debt collection

XXXX/XXXX/XXXX I moved out of XXXX XXXX in XXXX XXXX, FL. After moving out XXXX XXXX requested fees they were not entitled to. I filed a written dispute by hand delivery, mail and email within 15 days required by statute. I included a phone number, email and address to contact me. XXXX XXXX failed to respond, rather sending the claim to collections. I found out today XXXX/XXXX/XXXX that Hunter Warfield placed a collections claim on me XXXX/XXXX/XXXX. Hunter Warfield never provided me written notice or an opportunity to dispute the claim. Both XXXX XXXX and Hunter Warfield have failed to comply with their legal requirements, have failed to respond to my dispute of their amount and have simply gone the route of trying to ruin my otherwise perfect credit. I can provide a written copy of the notice I sent to XXXX XXXX XXXX/XXXX/XXXX and if set for hearing I could provide additional witnesses and sworn affidavits proving XXXX XXXX fraudulent, bad faith claims against me. I attempted to call Hunter Warfield today, however they refused to talk to me. They ask if I was ready to pay them, I said no, I do n't owe the money I want to dispute the charge, then they hang up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

To Whom it may concern : I am writing to inquire why my credit report continues to be downgraded when I pay my bills on time and in full. I was made aware of my latest credit score when I recently went to XXXX XXXX in XXXX XXXX to lease a new car. The deal I negotiated was for {$330.00} per month on a 36 month lease with {$2000.00} as the down payment. However, the dealer came back and said they could not get this deal approved due to my mediocre credit score. This was to my surprise as I recently pulled my credit from XXXX XXXX on XXXX XXXX and my credit report was as follows : XXXX XXXX Experian XXXX XXXX XXXX Consequently, I called XXXX and they disclosed that there are XXXX different credit reports. My understanding is the XXXX credit agencies issue different credit reports for car dealers and financial institutions. I really need to understand how there can be a discrepancy from XXXX report to the other. I do n't believe this is in the best interest of consumers. Is there any way your agency can help in correcting my credit score so it is reflected in the most optimal way? 

I thank you in advance for your assistance and do appreciate your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my information by allowing access to mine and 209,000 other persons ' financial information without authorization and failed to report it for several months. I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution.
Product: Credit reporting or other personal consumer reports

I have been taken advantage of by XXXX XXXX. I have disputed this loan from 1991 for 30 years! I have been harrassed by collection agencies claiming to represent XXXX XXXX! The information on this student loan is absolutely False. I have written letters to get this off my credit report, and never heard anything back. This is ruining my credit and my ability to move forward in life. PLEASE correct this. The credit companies have Not done a thorough investigation into this matter. Please remove this from my report. Thank you.
Product: Credit reporting or other personal consumer reports

I am writing to express my grave concern and disappointment regarding the handling of the many attempts to remove fraudulent items. It is imperative to address this matter promptly and comprehensively to uphold the integrity and fairness of the process. 

Despite repeated attempts to remove fraudulent items, I am deeply troubled by the outcome of the many attempts. The persistence of these fraudulent items not only undermines the credibility of the process but also raises serious questions about the effectiveness of the measures in place to prevent such occurrences. 

Therefore, I urge you to conduct a thorough review of the many attempt to remove fraudulent items and identify the shortcomings that contributed to its failure. It is imperative to implement corrective measures urgently to enhance the effectiveness of future attempts and prevent the recurrence of similar issues. 

In conclusion, I trust that you will give due consideration to this matter and take decisive action to rectify the shortcomings observed during the many attempts to remove fraudulent items. Failure to address these issues promptly not only compromises the integrity of the process but also undermines the trust. With this, I am asking for your assistance to remove these fraud items in 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