23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

i have disputed this account numerous times and the consumer are not showing how they verified the information and it is inaccurate : under the FCRA they have violated multiple laws Accounts : XXXX XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX XXXXXXXX # XXXX XXXX XXXX # XXXX 1.15 U.S. Code 6802 ( B ) Opt out a financial institution may not disclose non public personal information to a nonaffiliated third party unless ( a ) such financial institution clearly an conspicuously discloses to the consumer, in writing or electronic form ( which they did not ) 2.15 U.S. Code 1692e False or misleading representations 3. 15 U.S. Code Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor such consumer is participating in the collection or in an attempt to collect the debt 4.15 U.S. Code Civil liability the picture below shows in accurate balance on my credit report auto now financial has been removed from Equifax and XXXX it needs too be removed from XXXX as well
Product: Debt collection

Information appeared on all 3 credit reporting companies. No information was sent to me to validate or verify this debt is actually mine. 'Also find out the collection company isn't licensed to collect in the state of florida ; therefore, I demand they immediately remove from all 3 files
Product: Debt collection

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

CAPITAL ONE BANK USA XXXX XXXX Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT XXXX  XXXX COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Product: Credit reporting or other personal consumer reports

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

Collection/Charge XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt or credit management

Tally was a debt consolidation app. They took care of paying my credit cards and in return I was paying one fee for both cards, usually whatever they paid in the month plus their fee. The convenience was that it was one payment t and my credit card payment was never late. Until they stopped paying, closed and transferred my credit to a debt collector File Violated TSR.

We all signed up for a company that would manage our credit cards and help our credit scores. In the end, they charge us fees and are now passing on balances to a credit collection agency, which will now be reported to our credit bureau and intern will ruin our credit scores. This is not what they advertised, If it was, we wouldve never agreed to work with Tally.
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 name XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 the Information is inaccurate.
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. 

XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX Account # XXXX, has viloated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has viloated my rights. 
XXXX XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXXXXXX XXXX XXXX  Account # XXXX, has violated my rights. 
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 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.
Product: Credit card or prepaid card

i ordered several items from XXXX, of XXXX, pa. most of the items were received, plus they charged me for shipping which was supposed to be free. on XX/XX/18, i paid {$23.00} for the two sweat shirts, leaving a balance of {$27.00} the balance of {$8.00} was paid in full. this is when i discovered that shipping charges were made, and the late charges started. i have a {$120.00} balance and they willl keep it up unless something is done to stop them. the bank involved is the XXXX XXXX. i really hope something is done because now we are in the area of harassment, thank you for your time and co- operation sincerely yours, XXXX XXXX XXXX . thanks again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in debt and having a hard time paying it off. I hired XXXX  XXXX XXXX ( DEBT RESOLUTION ) to help me. They contact my debtors and work out a settlement, in the meantime they set me up on a payment plan they drafted from my account. They supposedly received a settlement agreement from one large credit card I had. This turned out to be untrue because as of right now that credit card was charged off!!!! The settlement was for 12 months. Global Client Solutions were the ones who were collecting the payments. When I questioned the company I was told to never call there again! That I had to contact Customer serviceXXXX if I wanted any help. So I did and had a nice lady who helped me. But I was still questioning why I couldn't get online and see my account. 
Then I started getting calls from XXXX XXXX  XXXX telling me that I qualify for a loan to pay off all my debt. They contacted me for 2 years. After 19 months, I figured that my big debt HAD to be paid off. I found out 2 days ago that it wasn't.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION is violating my rights under the FCRA. Pursuant to the FCRA I am to be given a free credit report upon demand. As you can see, TRANSUNION denied me access to my credit report, violating my federally protected rights.
Product: Credit reporting or other personal consumer reports

I am requesting a Form 1099-C ( Cancellation of Debt ) for an account that has been placed in charge-off status. Since this debt was written off on the creditors books, I should have received a 1099-C for my records in accordance with IRS regulations .

Despite the charge-off, I have not received this form, which is necessary for tax reporting purposes. I am formally requesting that the Discover provide me with a 1099-C within 30 days. If this request is not fulfilled within the given timeframe, I will be taking legal action to ensure compliance with federal requirements.

Please confirm receipt of this request and provide an update on when I can expect to receive the 1099-C.
Product: Student loan

Forbearance was requested on XX/XX/2023. Lender has still not processed the request.
Product: Debt collection

XXXX XXXX XXXX has harassed us at the phone number XXXX phone/caption call for months and months and 7 days a week 24 hours a day asking for someone who has never lived at this address and we do not know this individual and have told them this and they refuse to stop harassing us over her not repaying her college loan or that is what they are claiming. I have explained that my mom is almost XXXX XXXX and with hearing impairment and I have had XXXX XXXX but they say they will stop calling us and take our number off their list but do stop this continued harrassment and continue to call all hours and wake us up at night and continue to demand to speak to an individual whom we do not know, some refuse to stop calling us. This is totally unprofessional and is harassment. We do not owe any student loans nor do we know the person they continue to call and harass us over.
Product: Student loan

My payments are frequently not reflected on my account. Wells Fargo associates tell me that the funds were " returned. '' I submit proof of payment and it leads to an investigation that does not go anywhere. They frequently deactivate my ability to pay online. During a pandemic, I need to be able to use my mobile banking app to make payments. I do not have time to call them and spend hours on the phone trying to fix their mistakes. They frequently transfer my calls to other departments, I end up getting switched back and forth to the point where no one can help me. They are going out of their way to make it impossible for me to make payments on time. They are constantly threatening me with a charge off stating that I am not making payments and that I am not communicating with them. I am on the phone with them several times a month. I make the minimum payments every month. 

Today I have spoken to several people, including XXXX, XXXX and a man whose name I did not catch. They kept transferring my call, putting me on hold stating that they had to reach out to someone else, or disconnecting the call entirely. I have been on the phone with them for an hour already either on hold or having to call back because I was hung up on. 

This customer abuse during a pandemic is horrendous. This financial institution is a disgrace to the financial industry. Wells Fargo is actively engaging in fraudulent behavior and practices. They are doing everything they can to put student loan borrowers in default. My credit score is ruined thanks these practices. I have been trying to make payments and they are doing everything they can to make it difficult.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Checking or savings account

Navy Federal has been holding my funds for over two months and continues to come up with excuses for why they wont release them. Ive provided all the information they requested, yet nothing has changed. When I ask what additional information they need or what steps I can take, I get no clear resolution. They cant even give me a consistent or proper reason for why my account remains restricted. First, they claimed it was due to check fraud, then it was a third-party issue, and later it was about a wire transfer. Their unprofessional handling of this situation and withholding of my funds is unacceptable. This company needs to be held accountable. Im Looking For Legal Guidance To Resolve This Issue.
Product: Checking or savings account

After seeing a {$300.00} new account bonus at https : //promo.bankofamerica.comXXXX ( link is now expired, but screenshot attached ), I opened a New Bank of America Advantage Plus Banking Account on XX/XX/2019 and completed the Qualifying Activities by receiving two direct deposits of {$9000.00} on XX/XX/2019 and XX/XX/2019. 

After waiting more than 90 days from account opening and still not seeing the bonus, I contacted BofA using online chat about two weeks ago. 

They said they would open an investigation about my missing bonus. I have not had any contact since.
Product: Checking or savings account

I am writing to express my frustration and dissatisfaction with the overdraft fees charged to my account. While I understand the importance of maintaining sufficient funds in my account, I believe the fees assessed in this instance were excessive and unreasonable. 

On specific dates my account was charged an overdraft fee. This has caused undue financial strain and has made it difficult to manage my finances effectively. 
I have been a loyal Navy Federal member for XXXX  and have appreciated the services provided in the past. However, this experience has left me questioning the fairness of your overdraft policies. I kindly request a review of my account. Additionally, I urge Navy Federal to consider revising its overdraft policies to better support its members.
Product: Credit card

I have always made sure that payments on this account are made on time, never allowing them to become overdue. I am unsure about the reasons behind reports of late payment remarks on my accounts. According to 15 USC 1666b, billing errors should be corrected.
Product: Debt collection

I sent a certified letter to the company XX/XX/year> requesting that they validate the debt with a signed purchase agreement and proof of ownership. They sent me back a bill ignoring my request. I spoke with two ppl on XXXX that told me they do not have to provide this information and that they are contracted to collect the debt from XXXX. I asked both ppl to cease collection activities and reporting to my credit unless they are able to validate the debt and the refused and got belligerent. I would like them to stop trying to collect if they cant provide proper documentation and stop reporting to my credit
Product: Debt collection

I have on multiple occasions disputed this charge. I had NO knowledge of the debt until it hit my account as a collection. In the process of reviewing my credit I found the collection charge from SCA for {$180.00}. This debt originates from XXXX XXXX, nearly 5 years ago. I have on multiple occasions disputed this charge. I had NO knowledge of the debt until it hit my account as a collection. Not only is this a complete ethical violation it violates the FCRA. With this being said they are still continuing to report the alleged debt to the credit bureaus without validation. I 'm requesting immediate documentation of said debt, to include dates, and a legible signature. Without the necessary documentation, a resolution of deletion needs to be met. Your lack of due diligence is impacting my progression and has ultimately become a hindrance. I 'm requesting immediate documentation of said debt, to include dates, and a legible signature. Without the necessary documentation, a resolution of DELETION needs to be met on my credit report. Your lack of due diligence is impacting my progression and has ultimately become a hindrance.
Product: Credit reporting

Equifax continues to report inaccurate information on my credit report in regards to XXXX XXXX XXXX. I have submitted a request for re-investigation with this credit reporting agencies and this is my third attempt to get this inaccurate information removed from my report. There are multiple inaccuracies in this reference to XXXX XXXX XXXX. First, the delinquency data is inaccurate as the date of delinquency was in 2011. Second, the balance owed is inaccurate as the balance is {$510.00}. What is more disconcerting is that this agency is claiming they owe this debt while at the same time another company called XXXX XXXX XXXX states that they own the debt. I have never received anything from the company indicating that they are in possession of this debt. The Fair Credit Reporting Act states that credit bureaus should not report inaccurate information and the Fair Debt Collections Practices Act states that debt collectors may not use " false, deceptive or misleading representation '' to attempt to collect a debt which XXXX XXXX XXXX is currently doing. This inaccurate information has caused adverse actions for me in terms of receiving credit and services. Not to mention, the embarrassment due to being denied credit.
Product: Debt collection

Collection agency rep ( XXXX XXXX ) contacted me by phone and was very aggressive and rude stating he was preparing to file a lawsuit against me and that my employer would be contacted and my wages garnished unless I paid them {$10000.00} immediately for a vehicle reposessed in 2005. XXXX XXXX also stated he would sue my wife and notify her employer as well. Was contacted by another agency rep ( XXXX XXXX ) who stated I had to pay {$10000.00} in 24 hours before my case was submitted to a court and that I would have my wages garnished and a lien placed on any tax returns and property. XXXX XXXX stated she could accept a lower payment of {$3500.00} but it would have to be sent to them within 24 hours. XXXX XXXX identified the agency as Consumer Asset and XXXX XXXX stated the name as XXXX XXXX. Both agencies have the same address and phone numbers. Both stated that letters had been sent to me via mail but I have not received any letters from either agency named describing a debt of {$10000.00}. Contacted a local attorney who advised me the agency was violating Federal and State laws concerning fair debt collection as the the debt was time bared and threatening to file a law suit was illegal and I should file a complaint with the FTC and the State Attorney.
Product: Credit card or prepaid card

Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found fraudulent, unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Product: Credit card

I received a credit card in the mail and a bill from ULTA BEAUTY A store in XXXX CA. 
XXXX # XXXXXXXX XXXX XXXX {$420.00} ULTA # XXXX XXXXXXXX XXXX {$70.00} ULTA BEAUTY REWARDS
Product: Checking or savings account

yes i had 3 accounts opened in my name with bank of america. I first found out about it in XXXX XXXX XXXX  and contacted them and they put me with the fraud department with them and when i first called it was to do with only 1 account that i was aware about at the time. well come to find out when i contacted them again in XXXX XXXX XXXX i had 3 accounts opened then and started out with 1. i received 3 case numbers for all 3 accounts and yet nothing has been done to resolve them or to get them off XXXX XXXX or my credit either. as far as amounts they would not tell me so i dont know about amounts. but i would like to get this handled cause i had a credit card opened in my name last year as well and people trying to use my social and my business EIN to get credit and everything else which is making it harder on me now for the business to get anything now at all.
Product: Credit reporting or other personal consumer reports

EXPERIAN HAS A TON OF ADDRESSES AND NAMES THAT IS NOT MY CORRECT NAME OR ADDRESS I EVER RESIDED AT. IT HAS EMPLOYMENT ADDRESS AS MY HOME ADDRESS AND THAT IS NOT ACCURATE. 
THEY ALSO ARE MISSING SOME IMPORTANT INFORMATION THAT SHOULD BE ON MY REPORT AS WELL. 

I DISPUTED IT AND THEY DELETED THE WRONG THING AND CORRECTED THE WRONG TIME. EXPERIAN DO NOT TAKE THE TIME TO FULLY GO THROUGH THE REPORTS AND THIS IS FRUSTATING. 

WHEN YOU CALL YOU GET NO ANSWER OR HUMAN ON THE LINE.
Product: Money transfer, virtual currency, or money service

I have spent over 40 hours in last 5 months in person and on the phone but still unable to locate my {$570.00}.

Chase has given me proof of payment, but the merchant bank claims that does not prove they received it.

Amount : {$570.00} My bank : Chase Merchant bank : XXXX XXXX XXXX  Date sent : XX/XX/2021 XXXX : XXXX at XXXXI 've sent an electronic bill payment online to my HOA and the it shows debit on my account and the HOA merchant bank claims they never received the funds