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

I went to Wells Fargo to make a deposit where I have banked for 25 years. The was a cash deposit. I went to the teller and swiped my card through the machine and I gave the money to the teller. She put the money in the counting machine and came back and made out a handwritten deposit slip. When I checked my statement I noticed the deposit was not recorded. I went to the branch manager and he checked it and said that no deposit was made. No one in the bank seemed to have any interest in this incident. The people working at the bank told me that they were sorry, but there was nothing else they could do. I went to five different branch managers and they said they would look into it, but none called me back. I got the district managers number and I left him a detailed message, but he never returned my call. I asked them to check the camera and tellers transactions, but they said that it could not be done. The reason I am so upset is that is most of my life 's savings. The total amount is {$8000.00} made in two separate deposits ten minutes apart, but I was there for both deposits. I had someone with me, which is  a witness to the whole incident. I will be glad to talk to anyone if you need more details.
Product: Debt collection

To Whom It May Concern : I was served with a lawsuit on Sunday, XX/XX/2018 by the law offices of XXXX XXXX XXXX, XXXX on behalf of Credit Acceptance. I contacted the law office the following Monday in hopes to settle the debt. They stated that they would mail me a financial statement to be returned to them. I asked the representative ( XXXX XXXX ) if they would cancel the hearing until we got this matter resolved. I also asked her would I still need to file an answer with the court with the 15 day period that was stated on the lawsuit and she told me no ( which was not true ). Had I not filed an answer they would have gotten a default judgement against me. Credit Acceptance declined my settlement offer of {$2300.00} and responded with a counteroffer of {$4700.00} on XX/XX/2018. I contacted Credit Acceptance on Monday, XX/XX/2018 to ensure that once the settlement amount is paid that ( 1 ) the lawsuit will be dropped and ( 2 ) this account will be reported to all three credit bureaus as settled in full with {$0.00} due. I have been told by multiple agents with Credit Acceptance that this account will report as settled with a balance of the difference of the total amount due. When an account is settled it is supposed to show a zero balance. I have asked to speak with someone in the credit reporting department and have gotten the runaround several times. I have asked to speak with supervisors and was told I could only leave voicemails because they do not accept calls. I am willing to settle this account for the requested amount but only if it is reported correctly on my credit report. If it is not reported with a zero balance then they can technically come back and sue me for the remaining balance which is not settling an account. Thank you in advance for looking into this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reported as late. After 15 years with this company with no problems, they have returned my payments and reported me as late. I contacted the company last month and the representative took my money to make me current. This was although she did not understand the data. This month again XXXX returned my payments with no explanation. Evidently the left hand does not know what the right hand is doing. I will again contact them on the next business day to try to resolve the situation. 
I have received numerous reports with differing amounts. Also I have received coupons with different amounts than on the statements.
Product: Debt collection

XXXX, XXXX, and XXXX are allowing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Portfolio Recovery XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX has been attempting to collect a debt which has not been validated ( 15 USC 1692q ), I have not given consent to furnish any information on my credit reports ( 15 USC 1681a2 ), as well as reporting inaccurate information puts them in violation of 15 USC 1681i ( 5 ). I would like communication from these companies to cease and desist, and I would like this inaccurate information removed from all of my XXXX credit reports immediately.
Product: Debt collection

XX/XX/XXXX I was contacted by a XXXX XXXX at XXXX who claimed that I had a credit card with XXXXXXXX XXXX in XXXX that had a balance of {$470.00} but has accrued over {$1000.00} in interest. I have never even heard of this account. This man had my personal information and would not accept the fact that this debt has never been mine.
Product: Credit reporting or other personal consumer reports

TRANSUNION IS VIOLATING MY RIGHTS UNDER FCRA REPORTING INACCURATE BANKRUPTCY ACCOUNT ON MY FILE. I SUBMITTED 6 CERTIFIED LETTERS WITH THE FOLLOWING DOCUMENTS AND THEY ARE STILL REPORTING THIS ERROR. 

Please see ATTACHED OFFICIAL documents stating I DON'T HAVE BANKRUPTCY ACCOUNTS ON MY FILE : 1.Official court letter from United Stated Bankruptcy Court XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX NO BANKRUPTCY XXXX. XXXXXXXX XXXX XXXX XXXX - NO BANKRUPTCY XXXX. XXXX XXXX Report- NO BANKRUPTCY XXXX. Experian - NO BANKRUPTCY XXXX. XXXX Report - NO BANKRUPTCY TRANSUNION IS VIOLATING MY RIGHTS UNDER FCRA REPORTING INACCURATE BANKRUPTCY ON MY FILE.
Product: Credit reporting or other personal consumer reports

**CEASE AND DESIST LETTER** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX **Re : Account No. XXXX Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C . 1692c ( c ), I hereby demand that you **immediately cease and desist all communication** with me regarding the above-referenced account.

This includes, but is not limited to : phone calls, emails, text messages, postal mail, **credit bureau reporting**, or any other form of contact, except as expressly permitted by law ( 1692c ( c ) ( 2-3 ) ). You are only authorized to : 1. Confirm receipt of this letter and that no further communication will occur, or 2. Notify me of specific remedies, such as filing a lawsuit.

**Reporting this disputed debt to credit bureaus constitutes a prohibited form of communication** under 15 U.S.C. 1692c ( c ). Courts have consistently held that furnishing information to credit reporting agencies after a cease and desist notice violates the FDCPA ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). Further, continued reporting of an inaccurately disputed debt may also violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ).

As noted in my Experian credit report, this account has been **disputed**, and records acknowledge : *Completed investigation of FCRA dispute - consumer disagrees. * Despite this, the account remains inaccurately reported. I reiterate that this debt is disputed and demand compliance with FDCPA and FCRA requirements, including the **immediate cessation of all credit bureau reporting**. 

Failure to abide by this demand will result in legal action for violations of the FDCPA and FCRA, including statutory damages of up to {$1000.00} per violation, actual damages, attorneys fees, and costs. 

**Send written confirmation** of your compliance to my address above within 14 days, including verification that : - All communication ( including credit bureau reporting ) has ceased ; - The account is updated to reflect its disputed status in all future credit bureau submissions . 

Sincerely, XXXX XXXX **Legal Citations : ** - 15 U.S.C. 1692c ( c ) : Prohibits post-cease-and-desist communication, including credit reporting. 
- XXXX XXXX XXXX XXXX XXXX XXXXXXXX : Affirms credit reporting as FDCPA communication. 
- 15 U.S.C. 1681s-2 ( b ) : Requires furnishers to investigate disputes and correct inaccuracies.
Product: Credit card or prepaid card

I have never had a non payment on my credit report ever 30 years now I have had credit cards I have tried to get one and only non payment taken off from a bank of America card problem XX/XX/XXXX I  submitted to them I would like to have the nonpayment taken off credit report they take info down and tell me to check back in 30 days each time I call them it's the same story can not find info on this so we submitted again I have done this 3 times now.. what the non payment is I did not receive the statement in XXXX And Then in XXXX wrote check mail it they said never did receive it thats when they report it on my credit report as nonpayment they our never going to try and fix this because each time I call them it's like it's never been submitted so we do it all over again .... this is a bank of America credit card any help would be great tks ... ... XXXX XXXX XXXX XXXX XXXX XXXX ky XXXX phone XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act US Postal Service XXXX XXXXXXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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: Prepaid card

I received an email about a NetSpend account. I contacted them to inform them that I have not received nor do I have a Net Spend card. And to please close or block whomever is trying to open an account with my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2019, JPMCB AUTO FINANC and XXXX XXXX XXXX add a hard inquiries on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I the consumer XXXX XXXX have unauthorized inquiries present on my consumer report that originated from identity theft. 15 usc 1681c-2 states that consumer reporting agencies must block and remove inquiries related to identity theft. Unauthorized inquiries include : XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 XXXX bills XXXX XXXX XXXX to care of address| {$22000.00} + principal balance {$74000.00} XX/XX/2022 submitted XXXX through IRS to XXXX as XXXX XXXX XXXX XXXX XXXX XXXX XXXX the debt XX/XX/2022 IRS accepted amount and instated transfer of credits XX/XX/202XXXX XXXX Department for XXXX  calls & emails for further clarification on XXXX process- sent to Counsel Legal XX/XX/2022 Foreclosure Supervisor XXXX XXXX rejected the XXXX payment of XXXX and threatens to begin the foreclosure contract Also, See Attached.
Product: Credit card or prepaid card

I applied for a USAA Secured Credit account approximately two months ago. After putting a certificate of deposit ( {$250.00} ) to serve as collateral, my account was approved.

I have been using and making steady payments on the account up until now. This month 's statement balance was the first time I ever had paid an available balance in full.

I made the available balance payment ( in multiple transactions ) two days early than my statement closing date. The payments I made posted a business day before my payment was actually due.

USAA is refusing to apply the balance towards my credit limit ( restore my credit limit ) ; while the balance is applied towards my account, the use of my card is limited.

USAA gave several reasons as to the case : 1. Payments were made with an external account and the credit card was too young - I have been a customer with USAA for over 3 years, and have used only this account to externally fund the approximately nine ( 9 ) diverse accounts I have with them. This external payment account is with Chase bank, and the routing number and account number have been given to USAA prior to opening the account.

2. USAA wants to be sure that they are getting the money - this is the most insulting thing I have ever heard from a bank, especially one of USAA 's caliber ; the card is secured against a deposit, which USAA can reclaim in any event my financial obligations are not met.

3. USAA stipulates that they have the right to increase, reduce, cancel or suspend any credit line - the lack of application of a paid amount to a credit line doesn't normally constitute a credit line reduction or suspension. It does however, indicate USAA 's purposeful neglect in adhering to the terms of its own agreement - where payments made will be credited to the account the same business day ( though this means the account, not the credit line, this does not mean to say that USAA can abuse this power ). At any rate, USAA should not abuse this clause.

I have a hold of 7 days on the account for a 30 day billing cycle. Translated yearly, this equates to a nearly three ( 3 ) month loss of use every year. Further, I was so ecstatic about receiving a credit card from USAA that I increased the credit limit ( by increasing the CD amount ) by {$100.00}, making the total amount of secured credit offered to me at {$350.00}. This also received a payment hold. When I spoke to USAA credit card customer service, they informed me that credit line increase holds were defined in my credit card agreement ( a rather full version is found at XXXX XXXX XXXX XXXX XXXX XXXX ), but could not tell me specifically where such a stipulation or clause was present.
Product: Debt collection

I first contacted First Federal Credit Control about a {$130.00} collection item on XX/XX/XXXX. I asked them to validate the debt. See attached letter. They ignored my request. I have written to them every month since then but to no avail. Apparently FFCC is not familiar with the requirements of the Fair Debt Collections Practice Act that requires them to remove any reporting if they can not validate it. I need your help in getting them to comply with the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

This bill is showing on credit report as collection when it should have been submitted to my dental insurance company! I have paid the bill just so that I can get this removed from my credit report and am requesting a payment for deletion due to the fact that I have insurance which definitely covers dental cleanings! Why this was not submitted to the insurance company is beyond me but I am tired of going back and forth about this! It's shame that consumers PAY FOR INSURANCE but for some reason providers are not using the insurance!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' CAPITAL ONE AUTO FINANCE is a financial institution by definition under that title. 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. '' CAPITAL ONE AUTO FINANCE the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, CAPITAL ONE AUTO FINANCE  whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' CAPITAL ONE AUTO FINANCE, Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 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

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, Account # 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 or other personal consumer reports

Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. XXXX  XXXX XXXX XXXX XXXX XXXX was reflected as a late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX regarding their failure to remove an unauthorized inquiry from my credit report, as well as their violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681b ( a ) ( 2 ). 

On XX/XX/year>, I submitted a dispute to XXXX requesting the removal of an unauthorized hard inquiry made by ONEMAIN FINANCIAL on XX/XX/year>. Despite clear instructions, and FTC identity theft report and authorization provided in my initial letter, XXXX has failed to take appropriate action to delete the unauthorized inquiry. 

Subsequently, on XX/XX/year>, I sent a follow-up notice expressing my dissatisfaction with XXXX XXXX  lack of action and demanding the immediate removal of the unauthorized inquiry. However, XXXX responded on XX/XX/year>, stating that inquiries are factual records of file access and will remain on the XXXX credit file for XXXX years from the reported date. 

This response is unacceptable and directly violates my rights under the FCRA. XXXX has failed to comply with my lawful request for the removal of inaccurate and unauthorized information from my credit report, as outlined in 15 U.S. Code 1681b ( a ) ( 2 ). Pursuant to 15 U.S. Code 1681n for obtaining a consumer report without permissible purpose, XXXX is civilly liable to me in the amount of {$1000.00}.

I request that the Consumer Financial Protection Bureau thoroughly investigate this matter and take appropriate action against XXXX for their non-compliance with federal regulations and failure to address my concerns in a timely manner. Thank you for your attention to this matter. I look forward to a prompt resolution.
Product: Debt collection

Debt validation letter sent requesting all information ; an electronic response was provided via CFPB complaint website and closed with NO validation documentation provided to me.
Product: Credit reporting or other personal consumer reports

I do not have any existing financial relationship or accounts with this company. I am considering financial options and exploring opportunities. 

Account Name : FIN AACCTS SV Account Number : XXXX
Product: Debt collection

I noticed a collection on my credit report I didn't recognize. I mailed the agency a request for validation on XX/XX/XXXX via certified mail XXXX tracking number XXXX XXXX XXXX XXXX XXXX ). They replied in a letter dated XX/XX/XXXX, but not received by me until XX/XX/XXXX. They asked for more information which they would already have on file since they are actively reporting the account to the credit reporting agencies in my name. This letter was a blatant dodge of the FDCPA.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX