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

In XX/XX/2018, I received a letter from Capital One indicating that my account was now sent to the " Recoveries Unit ''. I proceeded to call Capital One on XX/XX/2018 in hopes of reaching an agreement that would allow me to maintain a positive relationship with XXXX offered me a monthly payment of {$150.00} until the account was paid to a {$0.00} balance. I advised XXXX at that time, I could not agree to ANYTHING without having the terms sent to me in writing for my review. She then advised me that without a payment being made by XX/XX/2018, she could not guarantee that the account would not be placed for collections with a local attorney. However, she did agree to provide me with the terms of this proposed payment plan within 7-10 business days of the call. After not receiving the letter XXXX promised, I again contacted Capital One on XX/XX/2018. I was advised that XXXX was not available and that their records indicated that the letter was mailed. Again, I advised them that I did not receive the letter. I was then told that a copy of the letter would be mailed again. The representative advised that they could only hold the account in their office until XX/XX/2018 before the account would be placed in collections. I was then questioned about a completely different Capitol One account that I never opened. I informed the representative that the account that I spoke with XXXX with is the only account I had with Capital One. On XX/XX/2018, I called Capital One to inquire about the account that was mentioned on the previous call that I did not open. I was informed by this representative that they could not provide me with any information after my admission of not " owning or opening '' the account. As to date, I have not received a proposal for a payment plan to keep the account I spoke with XXXX as she and the second representative promised. On XX/XX/2018, I received an e-mail indicating a payment plan that I did not agree to with completely different terms than discussed.
Product: Checking or savings account

On XX/XX/2020, I tried to withdraw {$400.00} from ATM of US. Bank, located at XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, Wisconsin XXXX. 
I received from dispenser {$300.00}, less {$100.00}, receipt states {$400.00}. In ten minutes I filed dispute with the bank at the general phone number XXXX. 
My dispute was denied with denial letter on XX/XX/XXXX, XXXXWhen I call bank with request to provide all material of their investigation, they came up with explanation that customer service representative forwarded my dispute to the wrong department. I ASKED FOR MATERIAL OF INVESTIGATION ANYWAY. Instead CSR offered resubmit my dispute again, XXXX XXXX. On XX/XX/2020 US Bank denied second attempt of dispute. On XX/XX/2020, I called customer service to request ALL MATERIAL OF INVESTIGATION. In a week I called bank to find out about status of my requests. Bank 's employees started to transfer me from one department to another. I had chance to talk to debit card department, fraud liaison department, phone calls were disconnected or returned to the general options. Whoever I spoke had different explanation on the subject, deceptive, evasive, sometimes rude. All phone conversations are recorded. Special attention to the performance on the U.S. Bank Email Operation Department, XXXX XXXX He assured me that he forwarded my request to the investigation team, never responded to my email again. XXXX was very firm insisting that investigation department does not have direct phone number. All of them treated me as a fool. 
Managers aforementioned U.S. Bank location denied liability and authorities over their ATM. They claim some unanimous subcontractor provide services of ATM. 

Therefore, I demand all materials of investigations for two disputes on the same incident. 
Find attached copies of the transection receipt on XX/XX/2020 and letters of denial- XX/XX/2020, XX/XX/2020. 

XXXX XXXX.
Product: Credit reporting or other personal consumer reports

TransUnion Rental Screening Solutions ( TURSS ) provided inaccurate information in a tenant screening report that resulted in the denial of my rental application. Despite my attempts to dispute the errors, TURSS failed to correct the inaccuracies in a timely and proper manner, causing financial harm and emotional distress.

Because of this inaccurate report, my rental application was denied, causing me to lose the opportunity to secure housing. 

Their negligence has caused me significant hardship, including extended housing instability, additional application fees, emotional distress.

Laws Violated : Failure to ensure maximum possible accuracy under FCRA 607 ( b ) Failure to conduct a reasonable reinvestigation under FCRA 611 Providing inaccurate consumer information resulting in harm
Product: Debt collection

I tried to send them a letter last XXXX asking for a copy of a signed contract bearing my signature, a copy of the payment statements of this account from which XXXX XXXX is reporting to the credit reporting agency. I am asking for proof that I was late on payment because they are reporting erroneous inconsistent account information. Tracking number : XXXX I C SYSTEM responded with a letter with the account that was never mine. The account that I was disputing is under XXXX XXXX XXXX I C SYSTEM # XXXX Original Creditor : XXXX XXXX XXXX I C SYSTEM is violating the FCRA for reporting this account with inconsistent and inaccurate information that I disputed which they then did not update to the credit reporting agencies as " disputed '' and continues to report inconsistent account information which is in direct violation of the FCRA.
Product: Checking or savings account

CashApp/XXXX  XXXX  are running an outrageous scam. They told people that if they get their pay deposited into a CashApp/XXXX  XXXX  account they'd get {$100.00} off their next purchase. What they didn't mention is that their card is a prepaid card not a debit card and can not be used in certain stores. The {$100.00} disappeared because of this. When attempting to close the Debit Card and Bank accounts, they said they would not do so unless I deleted my entire cashapp. Unfortunately, to function in 2021 it is necessary to have cashapp although I've moved as much as I can to XXXX. However, this hostage situation that forces me to leave this card and bank account open to ahve the base functions of the app ( that operated just fine without them before ) is ridiculous as when setting this up, it was never stated that this was an irreversible decision, even after talking to them for a month.
Product: Credit reporting or other personal consumer reports

I have discovered instances of identity theft on my consumer report, which appear to be clear violations of state law and federal law, specifically 15 U.S. Code 1681c-2. I have not provided my explicit consent for any of these accounts to be reported without my expressed, written consent ; nor when I initiated and opened these accounts was I advised that these private transactions would be reported. This violates the very right to privacy I am seeking to protect, to which the agency is depriving me of. Furthermore, if the agency refuses to remove these accounts, not as a matter of accuracy, to please supply proof and evidence that you are non a non-affiliated, for-profit organization possibly profiting off of the reporting of these private transactions. If you lack my permission to report, which you do, these accounts shall not be reported. Please remove these accounts immediately. There should be no verification or validation and I do not consent to you communicating with the accounts I demand be removed. This, as well, violates my right to privacy. The accounts belong to me, so accuracy is not the issue. These violations stem from unauthorized transactions executed without my explicit consent, leading to the reporting of highly personal information to third parties. The credit reporting agency has also failed to provide clear and conspicuous information regarding the reporting of certain accounts, as mandated by the Gramm-Leach-Bliley Act. Furthermore, I was not notified when a consumer report was being generated on my behalf or when an investigative report was requested, which I believe is a violation of 15 U.S. Code 1681d. Identity theft happens when information is obtained and shared without your expressed written consent or knowledge and this is what happened. The credit reporting agency lacks evidence that proves you provided consent to have these private transactions and accounts reported per the Fair Credit Reporting Act.
Product: Money transfer, virtual currency, or money service

Commencing on or around XXXX XXXX, I fell victim to two multi-layered scam operations run by XXXX ( the Company ), which involved me making deposits for a total amount of XXXX USD from my VyStar Credit Union account to fraudulent investment firms.
Product: Debt collection

The Debt Collection Agency ( Credit Collection Service ), ( XXXX XXXX XXXX ) and ( XXXX XXXX XXXX XXXX ) are all reflecting on my credit report and not one of them has contacted me directly or indirectly regarding the accounts they claim I'm responsible for or did they inform me of my right to dispute the claims. I have however disputed all of the collection accounts on the grounds of ownership, validation, and have made it clear to all of these agencies that my income is exempt from this type of collection. So for these agencies to continue to impact my credit score and continue attempting to collect is a violation of the law 12 CFR 1014.3 ( r )
Product: Credit reporting or other personal consumer reports

As per the guidance from the consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to human XXXX  debt bondage, which falls under XXXX  according to XXXX-debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debit Bondage and would like for all listed account be be blocked and deleted company information TransUnion.
Product: Payday loan, title loan, personal loan, or advance loan

Took out a quick short term/payday loan to cover some bills. The loan amount was for {$1700.00} with {$330.00} coming out of my bimonthly paychecks. My wife noticed that XXXX payments had come out of our checking account the other day which amounts to {$2300.00}. Which should have meant the loan was finished and paid off. When I looked into it further then I became aware of the interest rate of 480 % I was beyond shocked. The website says they help people but having me pay {$330.00} for XXXX payments puts me at almost {$6800.00} that they want me to pay back. I feel that I was taken advantage of and this isn't helping me at all but hurting me more. 480 % interest is highway robbery!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letter certified to both XXXX  and Experian over 45 days ago regarding inaccurate accounts that are reporting that XXXX has already removed due to not being able to properly verify these account. I was under the impression that all reporting must be accurate as this is not the case. This is causing me more stress in my life and I would like to this matter to be resolved and not just an update that they are still working on it. According to the FCRA if inaccurate unverfiable information is not completed within 30days of receipt of the letter it must me removed. I have tracking information showing they have received my letter XXXX  XXXX # XXXX and Experian tracking # XXXX I thought you guys assist in protecting the consumers because its past 45 days and I should not have to deal with something reporting inaccurately that is no fault of my own. How is it that XXXX  was able to get this done and these two bureaus are not where is the accountability
Product: Checking or savings account

{$1400.00} was taken from my account back in XX/XX/year>, I got a call from a supposedly Truist representative, but it turned out to be a scam, but dont know why theyre refusing to refund my account. The scam came from North Carolina, Im in XXXX.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX XXXX XXXXe 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Product: Debt collection

R.S. CLARK AND ASSOCIATES INSTALLMENT Review Response XX/XX/XXXX I have had several letter requesting proof of the original debt sent to my attorney with XXXX XXXX nothing was received. I advised I had a attorney do not call and they called anyway. I went with another party since they did not respond.I advised I was invoked my rights with the Fair Credit Law. This info has been disputed with the company several times and they are refusing to comply with all request. I am asking that the phone call stop, the item is removed for my credit report showing in collections and this is been going on since XX/XX/XXXX
Product: Checking or savings account

I am a long time customer ( 7yrs ) of XXXX XXXX XXXX which recently became Huntington Bank. I had two safe deposit boxes. I went into the XXXX office on XXXX XXXX XXXX XXXX, Ohio XXXX on XX/XX/XXXX to make my payment to renew one of my safe deposit boxes. I was assisted by the Teller Supervisor that day. She took the payment for the amount of {$150.00}. The funds were  transferred from my savings account to pay for the renewal of the box I decided to keep. I mistakenly left the key for the box I was closing. The manager told me to bring it back later. I returned to the branch approximately two weeks later with the key. I emptied the box I was closing. I also asked for entry into the box that I paid to keep. Again, The teller supvr assisted me on this day. I handed her the key because she stated that she needed to make sure everything was out of the box. I never handled the key for the closed box again. I have been receiving late notices for the box that I closed. I went to the branch to have a conversation regarding this but was treated badly by one of the Branch Relationship Banker II. She told me that she could see the withdrawal but could not see the money applied to the box. I have taken copies of the receipts ( dropped in the night deposit box ) but still they are denying that the payment was made and they are also accusing me of not returning the key. I have tried numerous times to speak with the Branch Mgr XXXX XXXX but she is not responding to my need for resolution. She leaves messages but does not indicate any resolution. My concern is that they have this bill marked as 90 days late. I miss the courteous and sincere treatment that we were given by XXXX XXXX. This is a simple problem that should have been handled w/n a few days.
Product: Credit reporting, credit repair services, or other personal consumer reports

there was an illegal reinsert of an account that was taken off my credit report that does not belong to me. The FCRA states that your information may not be reinserted onto your credit file by the credit reporting agency unless the information is indeed mines and the consumer reporting agency is required to send the consumer/myself a written notification within 5 business days that the account is being reinserted and I never received the notice at all. Here is the account : XXXX  XXXX # XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft caused by the XXXX data breach. I have inaccurate fraudulent accounts, names, address list on my report FCRA 605B ( 15 U.S.C. 1681c-2 ) : Identity Theft Block Upon receiving proof of identity theft, you are required by law to block fraudulent information within four business days.
Product: Debt collection

Lyons, Doughty and Veldhuis of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX have sent a copy of a garnishment of wages that indicates that it comes from the XXXX County court house. This document adds an additional {$570.00} to the balance due. In addition to that, the total due is incorrect. We have contacted them on several occasions and requested for them to provide a detail of account of what is due, including monies paid to them. This company is collecting on behalf of XXXX XXXX. This company has never supplied this to me. I spoke to a XXXX and both times she said she didn't realize we needed a detail list of what is due. She tried to use semantics indicating that the balance was correct, however, she was indicating the original balance which is not in dispute. On multiple occasions she wanted to send me to another department for de-escalation, I told her simply, all we are asking from you is a detailed of the amount you are claiming that I owed. I contacted XXXX XXXX and they no longer service the debt. I did inform her the amount is wrong and fraudulent. They claim to record all calls, please take note that if that is the case, they should have record of my calls and request. 
This collection agency is continually harassing my place of employment by sending letters, including during this pandemic, when I was having trouble contacting someone to speak to at my local XXXX County court house. My place of employment in good conscience can not deduct money from a sheet of paper that clearly is inaccurate.
Product: Credit reporting or other personal consumer reports

Relating to complaint # XXXX that you closed when its not resolved yet although the company responded to you. 

XXXX XXXX XXXX ( " XXXX '' ) in XXXX XXXX and XXXX XXXX XXXX either reckless or fraudulently sent this completely false and wrongful debt to TransUnion claiming that it had {$15000.00} of dental work performed at XXXX XXXX XXXX XXXX XXXX in XXXX XXXXXXXX XXXX. I do not live in XXXX XXXX, have never seen a dentist in XXXX XXXX, and have nothing to do with this. I attempted to dispute the debt with TransUnion XXXX separate times. Each time both XXXX XXXX XXXX falsely and wrongfully fought my disputes, and I lost despite not even sharing the name of the purported debtor. Both the collection company and dentist forced me to hire an attorney. When it came time for XXXX to verify the debt it was evident I had nothing to do with it. The debt was against a man named " XXXX XXXX '' who apparently did not pay his bill and the company decided to go after his wife " XXXX XXXX XXXX. '' The verification showed a different social security number for the man, yet it appears that XXXX XXXX XXXX XXXX XXXX wrongfully decided to ruin my credit report instead forcing me to expend time and money out of my own pocket to fight the collections action. I filed a complaint with your office but XXXX lied and stated that the matter had been resolved with my attorney ( when in fact it had not been yet ) and immediately closed the complaint. They told my attorney that they had removed it from my credit report. When I contacted TransUnion it turned out they had not completed the necessary forms and it still remains showing that I owe {$15000.00} to a person I do not know. This is truly a failure of our system of laws that a completely random person can without necessary documentation send {$15000.00} in fake debt and absolutely ruin someone's credit without any repercussions by government authorities. I am asking for your help to do something about this. This has negatively impacted my credit and my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three major credit bureaus ' have illegally hoarded consumers personal information without this Consumers expressed written consent. Pursuant to the 1974 Privacy Act,  all 3 credit bureaus ' violated all privacy rights and allowed personal information to be leaked, due to their false and misleading ways. According to the Fair Debt Collection Practices Act, all three credit bureaus ' maliciously and collectively shared this Consumers personal information to make trillions of dollars, by selling it to various debt collectors, employers, financial institutions and a host of others. My wish is for the Federal Trade Commission to demand, on my behalf, that all 3 credit bureaus ' remaove all of this Consumers social security numbers, date of births, financial accounts, or credit/debit card numbers, drivers license numbers, detailed health, or medical history, or similar sensitive information. All relations with these 3 credit bureaus ' are now in question for reporting fraudulant information to disgrace this Consumer. Consumer wishes for damages of XXXX XXXX dollars, from all 3 credit bureaus ' for their Treasonous deeds and all will be forgiven. Consumer would also like to thank the CFPB.
Product: Checking or savings account

Company was taking money from account not sure who and how told Wells Fargo was told by them that they can not promise they will not stop taking money and it continued to take me into overdraft. Money was lost for several months. One of my accounts was closed due to account being overdrawn for so long.