23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Collection of a debt that has been paid since 2009. 

XXXX XXXX, no message left XXXX I called back at XXXX XXXX XX/XX/XXXX Spoke with lady and notified her of the situation after she explained she is trying to collect a debt on a XXXX  XXXX XXXX XXXX Charge-off, for over {$3000.00}. I explained that the debt is paid off since 2009 and I need to send a certified letter to her via physical address. My call dropped after I got just the city name. 

I called back and spoke with a different lady, who did not know who I previously to as " she is probably still notating the account ''. She verified my ID with last four of social security. I explained the situation to her as well and requested physical address for certified letter. She said " I 'm just an account rep, let me get you to an owner who can give you the information you need ''. I was put on hold for a couple of minutes. 

A XXXX XXXX answered from the complaints department. I asked if she was an owner and she said " No, but I can get you to one ''. I explained I was told it would be an owner, then explained yet again the situation. I asked for physical address she stated " Please hold while I can get some help with that ''. I held for a long time, probably over 5 minutes. It rang through to a rep again, being XXXX XXXX. She explained " the phone disconnected due to the long hold. Yes, let me get someone who can help with the physical address XXXX XXXX ''. I asked how she got that last name as they were calling for XXXX XXXX ( I never gave her XXXX, my legal last name ). She did not answer my question, nor did the following man. 

XXXX then answered. I explained again. He was more firm with me and offered a XXXX XXXX XXXX I informed him that " both the NY FTC and the attorneys I have worked with have advised physical address only for certified letter. The post office also requires it ''. XXXX rebuttled " Yes you can [ receive certified mail by XXXX XXXX ], we get them all the time. A little yellow card ''. I demanded again to get the physical address " So you are denying me the ability per federal law to send a certified letter of payoff to prevent you from illegally collecting on, or selling, this debt ''. He still denied so I demanded the XXXX XXXX which he provided very slowly. I then demanded a listed phone number. 

I informed him that I would be reporting D2 Management to the SEC and appropriate government agencies for denying to provide sufficient contact information for me to prove payoff. XXXX stated " Please do file. Please do ''. 

Conversation ended - 15 minute call during my work day.
Product: Consumer Loan

Exeter Finance received an insurance check to be applied to the principal balance of my loan XX/XX/XXXX. The check was cashed on XXXX XXXX 2016 and as of today XXXX XXXX 2016, has yet to be applied to the principal balance of my loan and everyone claimed the check is not able to be located and payment denied. The company continues to charge my account interest based on the former principal balance. I have attempted to resolve this for several weeks, spoken to supervisors and sent a copy of the paid check to Exeter Finance for review and confirmation.
Product: Debt collection

I am having issues with plus four inc. I was never sent a letter about my collections until it came up on my credit report several years ago and I reached out to them, medicaid, and the XXXX XXXX to let them know I was not responsible for this payment but instead of resolving the issue they continue to increase the amount and bill me for interest on my credit report. It is harassing and it is hurtful to my advances to buy a home or a car in the future.
Product: Credit reporting or other personal consumer reports

VERIFY THESE ACCOUNTS THAT HAVE INCORRECT INFORMATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Today XX/XX/2021 I was going to pay my phone bill and was declined. when I went to check my bank account I was overdrawn XXXX dollars from some stimulus payment I never authorized wells Fargo to deposit into my account. when I called I was told it was put in my account so that my account would be positive to receive my stimulus but when I asked the supervisor " you mean to tell me if i have a negative balance and my account isn't about to be closed out i wont receive my stimulus payment? '' he responded no you would still get your money. i then asked him why would wells Fargo deposit XXXX into my account without my authorization? I didn't need the money and it should have been taken out once the stimulus hit my account in XXXX not half way through XXXX. Wells Fargo leaked my info and i won a small settlement for that and ever since then baking with them has been a complete nightmare from hidden bank charges to overdrawing my account when bills are due!
Product: Credit card or prepaid card

On XX/XX/2021, I opened up clam ticket XXXX with XXXX for the charge {$230.00} that is FRAUD. I also submitted a claim with American Express for this amount, stating that it is FRAUD. 

As if by design, both AMEX and XXXX responded that there is no fraud. This, of course, is totally ridiculous. While Im familiar with the APP in question, there was absolutely no purchase made by me nor did I receive any goods or services for this vaporware. 

I was advised today that, according to the merchant, yes the one who is defrauding me with a ludicrous claim that I purchased something on their app, that the charge is appropriate. It is NOT appropriate. I did NOT purchase anything. I did NOT receive anything, and I do NOT want to be stuck with charges that are clearly fraudulent in nature.
Product: Vehicle loan or lease

I have up until now been a satisfied XXXX owner and have leased at least 6 vehicles and negotiated probably a dozen more for friends or clients. In XX/XX/2017, I realized I would drive more miles than I was contracted for so I spoke to a XXXX agent and purchased additional miles for the term of the lease. The agent confirmed that I would receive a cash credit for any extra miles unused. However, when I got my lease end statement, although the statement shows a total mileage credit of {$1500.00} and after legitimate charges, a net credit totaled {$560.00}, but instead of being paid this sum, the statement shows " other charges '' zeroing out the {$560.00}. I called and spoke with the manager XXXX at XXXX who said it was " XXXX policy to not reimburse overpaying for miles. '' I explained to XXXX that the XXXX agent told me the exact opposite and that's why I liberally purchased the miles that I did. He said he would research it. I asked for documentation at the time of my purchase showing this policy as if I had seen I would have immediately cancelled or revised my purchase. He said he would check for that and the associated phone records. He left a voicemail the next day but with no details and no direct line, only the general 800 number. I had to go through the whole process again as if it were my initial call until I got an agent that could pull my record. That agent said that there were notes on my file that said, " if customer calls back, tell him XXXX is not reimbursing him, XXXX. '' There was no additional substantiation and the agent was unable to provide any other details. I told the agent to document that I was completed unsatisfied and that I would be filing a complaint with the CFPB for a full reimbursement as I am sophisticated buyer and had closed many leases and would not tolerate this mistreatment. She offered to get XXXX on the line, but I had already told him that I would require reimbursement otherwise I would be contacting the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Accounts 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 Accounts : XXXX XXXX {$850.00} ( Account XXXX ) XXXX  {$1400.00} ( Account XXXX ) XXXX XXXX XXXX {$560.00} ( Account XXXX ) XXXX XXXX XXXX  {$750.00} ( Account XXXX ) XXXX XXXX XXXX- {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$620.00} ( Account XXXX )
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX RE : Hard Credit Inquiry Removal Request Dear Sir/Madam ; I'm writing this letter to request the removal of unauthorized credit report inquiries from my credit report. I noticed the unauthorized inquiries listed below after receiving a copy of my credit report from your bureau on XX/XX/XXXX. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX RAN TWICE ON XX/XX/XXXX AS WELL XXXX XXXXXXXX XXXX XXXXXXXX RAN TWICE ON XX/XX/XXXX AS WELL I did not authorize these transactions as the dealer was only to run my credit with ONLY two credit unions and this has made a negative impact on my credit. Kindly investigate my claim per the Fair Credit Reporting Act. If you find any unauthorized inquiries, please remove them as quickly as possible and send me a copy of my new, accurate credit report at the address provided above. 
Sincerely, XXXX XXXX
Product: Debt collection

I placed a complaint for XX/XX/XXXX. It is now XX/XX/XXXX XXXX. On XX/XX/XXXX this place called me again 10 total times in one day. I am at work and can not have a discussion with them. They are relentless for a bill that isnt even 30 days past due. I told them on the phone on thursday XX/XX/XXXX that i would pay the bill on XX/XX/XXXX when i got paid and to stop calling. They have paid no attention to the direction and called me XXXX times yesterday XX/XX/XXXX and have already called me 6 times today XX/XX/XXXX. This is absolute harassment and in violation of law. I even told then to stop calling me until XX/XX/XXXX and they will not stop.
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. 

Account # 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 {$0.00} 15 U.S.C 1681 Section 604 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 1681s2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I had a charge on XX/XX/XXXX for {$150.00} on XX/XX/XXXX. My charge was for {$29.00} on XX/XX/XXXX posting XX/XX/XXXX. I have been disputing this charge as the clerk at the store charged me for someone else 's items, voided it however it posted to my account. I have been asking for a update for-3 months, no one knows what to do or say. I was promised by XXXX, employee # XXXX a credit would be issued within 24-48 hours by manual adjustment however still nothing. TD BANK is the poorest servicer of any credit card I have ever experienced. They do not address issues or resolve them. They do not do right by consumers, they make excuses, and continue there agenda. TD BANK should NOT be allowed to do business in the XXXX if they continue not to make things right. I can't stand chasing this incompetent servicer.
Product: Checking or savings account

Ref. CapitalOne 360 XXXX XXXX Account # XXXX Upon receiving a promotion offered by CapitalOne Bank on opening a new savings account with new money and keeping it for 90 days, a bonus of {$450.00} would be added to your account. When I read that promotion online checking my balance on my credit card, I called CapitalOne to confirm what I read and the result was positive. CapitalOne received {$50000.00} on XX/XX/2022 and I expected to see that bonus on XX/XX/2022. 
Checking my account online, but found it's not included. By contacting CapitalOne several times to understand the situation, finally, I was informed the following verbatim " it is correct this bonus for {$450.00} on your account, it has to be there for 90 days, but it's CapitalOne Policy to be added to your account before XX/XX/2022. 

And this is my contention which clearly shows how misleading I have gotten into this racket of financial abuse controlling their customers ' money at their whim. 

Following up my several calls with CapitalOne to let 's know that prior to my engagement with their scheme there has never been any information supporting their claim. Please examine the uploaded copy of email received today XX/XX/2022 following many calls for inquiry with no avail.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies and incomplete information reported on my credit report. After obtaining a copy of my credit report, I have identified several errors that constitute violations of the Fair Credit Reporting Act ( FCRA ), specifically the following provisions : 15 USC 1681e ( b ) : The credit bureaus are required to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. The inaccuracies I have identified clearly indicate a failure to comply with this standard.

15 USC 1681s-2 ( a ) and ( b ) : These provisions outline the responsibilities of furnishers of information to provide accurate and complete information and to conduct investigations into disputed accounts.

15 USC 1681i ( a ) ( 1 ) : Consumer reporting agencies must reinvestigate disputed information within a reasonable period, yet these errors remain unresolved. 
The items I am disputing are as follows : Late Payments 30+ Days : of late payments that are either inaccurate or incomplete.

Late Payments 60+ Days : of late payments that are either inaccurate or incomplete.

Additionally, Derogatory Public Records I demand the removal of any accounts that contain incomplete, inaccurate, or unverifiable information from my credit report.

Failure to comply with these provisions carries serious consequences under 15 USC 1681n, which provides for civil liability for willful noncompliance, and 15 USC 1681o, which addresses negligence in failing to comply. 

I demand that these inaccuracies and derogatory entries be investigated and deleted from my credit report immediately. Additionally, I request a copy of my updated credit report reflecting these changes. 

Please consider this letter my formal dispute. I expect you to resolve this matter promptly and in compliance with federal law. If these inaccuracies are not corrected, I am prepared to pursue all remedies available to me under the FCRA, including legal action. 

For your convenience, I have attached a copy of my credit report with the disputed accounts and items highlighted. I have also enclosed a copy of my government-issued ID and proof of address to expedite your investigation. 

Thank you for your prompt attention to this matter. Please confirm receipt of this letter and provide updates regarding the investigation timeline. 

Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

I have had my 5th/3rd bank account for 1 year and 3 months as of this writing. Never been late with a payment. I transferred almost XXXX worth of balances to said card to open the account. Paid off the balance and use it every month for my cell phone. Minimal usage with perfect payment history. Now as of last week, the end of 2019, they have taken my XXXX limit and reduced it to XXXX. Hurting my credit score in the process. Lowering my available credit and increasing my credit usage. I called for a reason and they said it wasn't a mistake and that " some '' people had been labeled risky. I asked why i was risky due to my history with them. They said my personal history had nothing to do with the decision. That my credit score did. Mind you, i had been trying to buy a house and my mortgage company had pulled my credit a couple times. They said this is likely the reason but could not be sure due to privacy. 

TL/DR : Have a perfect payment record and use the card every month at 5th/3rd and they will reward you with a lower limit. My recommendation is to stay away from them as they treat their customers like garbage.
Product: Credit reporting, credit repair services, or other personal consumer reports

My I have several address that do not belong to me on my credit report, I do not live at these addresses please delete them from my file they are not accurate : XXXX   XXXX XXXX XXXX, XXXX, WV XXXX XXXX XXXX, XXXX, WV XXXX XXXX XXXX XXXX, XXXX, WV XXXX XXXX XXXX, XXXX, WV XXXX XXXX XXXX XXXX, XXXX, WV XXXX This is my 609,623 FCRA dispute Pursuant of U.C.C. - ARTICLE 3 -3-501 ( b ) 2 ( 1 ), I am entitled to demand presentation of the negotiable instrument. That demand is hereby ordered. I demand that you present for my visual inspection MY ORIGINAL WET INK SIGNATURE PROMISSORY NOTE and allonge in XXXX county. This is required to establish your right of enforcement as Holder in Due Course via a chain of assignment as evidenced by the Note or Allonge. Claiming to be the the holder in due course as a statement is insufficient proof of status and is/will be rejected. A photocopy of the documents is insufficient proof as it does not answer the question of who CURRENTLY is the rightful and lawful holder in Due Course. 
Please delete the following accounts : XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that this is my SECOND WRITTEN REQUEST asking TransUnion to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681. TransUnion is required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of TransUnions first re-investigation, TransUnion stated in writing that theyve verified that these items are being reported correctly. 
Where are the documents that TransUnion used to verify these accounts? What is the name of the person who verified these accounts? What documents did they use to verify them? Please provide me with the name of that individual, their business address, and telephone number. 
What this means is that TransUnion must be willing and able to produce a document in their files that proves the accounts in dispute belong to me and the information being reported is accurate and they must be able to do this in a court of law if I file a lawsuit against them. Someone in TransUnion must authenticate the documents in their files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged accounts and all that has ever transpired for the alleged accounts, under oath and under the penalty of perjury. 
As I am sure that TransUnion is well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on, and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ). 
TransUnion have ignored request to provided me with the documents that they have in their files that were used to verify the disputed accounts which means that TransUnion have NOT verified or can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA TransUnion is required to promptly DELETE all information which can not be verified.

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, credit repair services, or other personal consumer reports

There are 2 unauthorized hard inquiries on my credit report. 
Comenitycapital/XXXX  Inquiry from XX/XX/2019 XXXX Inquiry from XX/XX/2019 I never applied for a credit card.
Product: Debt collection

I sent in debt validation letter and when they didnt respond I sent in the disputes and XXXX  keep leaving these item on my credit report that is all because of them and their negligence as a company that my information was leaked in their breach. XXXX also will not remove the items as well. 
Heres a formal complaint you can submit to the Consumer Financial Protection Bureau ( CFPB ) regarding XXXX and XXXX  failure to remove fraudulent hard inquiries and disputed accounts linked to the XXXX XXXX breach. 

Subject : Dispute of Fraudulent Hard Inquiries and Accounts XXXX XXXX Breach To : Consumer Financial Protection Bureau ( CFPB ) From : XXXX XXXX XXXX : XX/XX/year> Address : XXXX XXXX XXXX Trl XXXX, Fl XXXX Email : XXXX Phone Number : XXXX Complaint Against : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

Complaint Details : I am submitting this complaint against XXXX and XXXX for failing to remove fraudulent hard inquiries and disputed accounts that resulted from the XXXX data breach. Despite my repeated disputes, both credit bureaus have refused to remove the following unauthorized hard inquiries and accounts : XXXX. Hard Inquiries : XXXX XXXX XXXX VyStar Credit Union 2. Fraudulent Accounts : XXXX XXXX XXXX VyStar Credit Union These inquiries and accounts were opened without my authorization as a direct result of the XXXX XXXX breach, which compromised the personal information of millions of consumers, including mine. Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ), credit reporting agencies are required to investigate and remove inaccurate or fraudulent information from a consumers report.

Violations of the Law : 1. Failure to Conduct a Proper Investigation ( 1681i ( a ) ) Upon receiving my dispute, XXXX and XXXX were legally required to conduct a reasonable reinvestigation within 30 days. They have failed to remove the fraudulent inquiries and accounts despite clear evidence of identity theft. 
2. Failure to Block Fraudulent Information ( 1681c-2 ( a ) ) As a victim of identity theft, I submitted a dispute requesting the removal of fraudulent items. Under this provision, XXXX and XXXX must block the information within XXXX business days after receiving my request. They failed to do so. 
3. Reporting Inaccurate Information ( 1681e ( b ) ) XXXX and XXXX have not maintained accurate credit files by allowing fraudulent inquiries and accounts to remain. 
4. Negligence and Willful Noncompliance ( 1681n and 1681o ) By refusing to remove the fraudulent information, XXXX and XXXX have violated my rights under the FCRA, and their actions constitute negligence and willful noncompliance. 

Resolution Sought : I am requesting that the CFPB intervene and require XXXX and XXXX to : Immediately remove the fraudulent hard inquiries and accounts listed above. 
Provide written confirmation of the removal. 
Cease reporting any inaccurate or fraudulent data related to this matter. 
Ensure compliance with the Fair Credit Reporting Act ( FCRA ) and provide an explanation of their failure to act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I WAS A VICTIM OF ID THEFT!!