23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In accordance with the Fair Credit Reporting act. ASSETCARE LLC is violating my federally protected consumer rights to privacy and confidentiality un

der 15 USC 1681. Alleging a debt is owed and furnishing to the credit bureaus without notifying me
first. This is also a violation of due process ; I do not know who my accuser is, and ASSETCARE LLC is a third party debt collector doing business in texas without a license and in violation of mentioned laws herein. 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.

For reasons stated, ASSETCARE LLC debt-collector must remove all inaccurate information from my credit reports due to the fact they have no legal right nor my consent to post/furnish on my credit reports.
Product: Bank account or service

I want to report two banks to the federal government. 
One, is XXXX. Routing number : XXXX Account number : XXXX. This bank sent me a check in the amount of {$2900.00} ( Found out it was a scam, fraudulent check ). BB & T, has the impression of the check that hit my bank. 

Two, is XXXX bank I attempted to pay this bank off, {$25000.00}. They tacked on fees and interest which they were blackmailing and extorting more money out of me. 

Thank you, XXXX
Product: Checking or savings account

I opened a number of CDs with EverBank on XXXX XXXX, 2017. I did this by phone with an EverBank rep, laddering the CDs for one year through five year maturities. 

Recently I inquired by phone about early withdrawal fees on these CDs. The rep told me that I would have to pay 25 % percent of the interest I would have earned over the full length of the CDs, even though the products are only three months old. 

This means that I would have to pay a substantial amount of my principal to the bank. I was never told about this when talking to the initial rep. This smacks of robbery and is totally inappropriate. Other banks in which I hold CDs will usually take back a portion of the interest already earned, not 25 % of all future interest. 

I could not find this penalty in their Web advertising which I will be attaching. 

I have to say that I am shocked that TIAA, a very respected organization to help teachers and professionals to plan for their retirement, would be associated with this bank. Their policies which they do not discuss on their Web site are cheating consumers.
Product: Credit reporting or other personal consumer reports

Equifax has provided numerous investigation results based on my disputes. These results agree with me that these items should be removed. They have not been removed to this date. 

XXXX inquiries and XXXX XXXX inquiry. 

I did put a fraud alert with all credit agencies. please have them remove these inquiries.
Product: Debt collection

There was a technical error in the property manager 's rent collection software. It debited the wrong amount from our account, resulting in a late fee of {$470.00}. This was part of an outstanding balance of {$750.00}. On move-out day, I spoke in person with employees of XXXX about the error, and they informed me that they would correct this error. I informed them I would pay the outstanding balance when they made the correction. Move out date was on XX/XX/XXXX. 

They did not make the correction. They instead called me twice on my cell phone over the next few months trying to collect. Both times, I informed them of what happend, and both times they agreed to call me back when the issue was corrected. They did not correct it. 

On XX/XX/XXXX, I received a letter in the mail from XXXX demanding payment again. I contacted XXXX as requested by their email with the following email : Hello XXXX team, Today I received a letter in the mail stating that we have an outstanding balance of {$750.00}. On our last day in the building we had a conversation with the leasing office about the late payment. The late charge was a result of an error in XXXX. On XX/XX/XXXX I pre-paid what XXXX  said was due. Unfortunately, for the month of XXXX the rent was at a higher rate ( as per our agreement ). However, XXXX  on the day before had not yet updated the change. When I spoke with the leasing office they were understanding and told us that they would remove the outstanding late fee and then email us once it was corrected. However, it seems as though they must have forgotten to do so. I promised to pay the outstanding balance once this was corrected. With the late fee removed and the additional {$15.00} dollar late fee the balance should be {$280.00}. We are happy to pay this once the late fee is removed. 

Best, XXXX and XXXX They acknowledged receipt with the following : Hello XXXX and XXXX, Thank you for your response. However, we are unable to locate an account in our office here at the XXXX Receivables Department. Please inform us of your unit number, the name of the community you had moved out of, the moveout date, and/or your statement account number, if available. With this information I will be able to research your move out account. 

Thank you, XXXX XXXX Support Specialist, Receivables Department Greystar | XXXX XXXX XXXXXXXX | XXXX XXXX WA XXXX o XXXX | XXXX | XXXX To which I replied : Hey, we just moved out of XXXX  XXXX in XX/XX/XXXX On XX/XX/XXXX I received another attempt to collect the same debt. Unfortunately I don't replly until XX/XX/XXXXXXXX  since I didn't notice the message until later. When I replied that I would like to speak to a representitive about the debt to dispute it, I didn't get a reply. 

Afterwards I received calls from Genesis credit attempting to collect the debt. I disputed the debt, forwarding them the email correspondence. However, they just denied the dispute without explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX states on my credit report that I owe on an account for XXXX {$450.00}, I do not owe this amount I paid my final bill with XXXX I will like to receive a bill review of all payments that were credited to my account along with all the monthly bills.
Product: Credit reporting or other personal consumer reports

My account with the late payment was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
This company never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

Following up on contents received as a result of CFPB complaint XXXX. 

This company never obtain permissible purpose in order to furnish any account on my consumer report. In addition to that Charges highlighted in box labeled charges on exhibit A are inconsistent with the same alleged additional charges highlighted on exhibit A and exhibit B. 

I never received supporting documentation evidencing the dates alleged charges occurred. How can this be accurate when exhibit B list credits which are not listed in exhibit A in the box that details payments and credits. 

This can not be validated. 
This company also keep reinserting the fraudulent account information without sending me supporting documentation of any verified results, further damaging my credit score and financial reputation. 
The open dates dont match. This information is FALSE! 

This company is to block and remove this fraudulent information from my consumer report and never reinsert it again! This is aggravated identity theft since NCS never obtained permissible purpose to furnish any account related to me.
Product: Checking or savings account

I've had issues with Chime a few days ago where they closed my account without reason. They won't give me a reason why. I asked them a few times why and I asked to get my money back and they told me they won't. Told me to try two of these different separate emails and both of them seems like they aren't working. No one is getting back to me. I had a XXXX dollars and I need that money for my bills. This happened about 3 days ago XXXX XXXX.
Product: Vehicle loan or lease

Santander Consumer repossessed my vehicle in XXXX of XXXX because I was unable to keep up with the XXXX $ monthly payments. I had no knowledge that the vehicle was going to be repossessed. Though I was slightly behind on my payments I was still making monthly payment. 

I had to pick up my belongings from the lot it was towed to, in which some of my belongings did not actually make it to me because I was not allowed to clear the car myself. 

I had to relinquish the vehicle because I was not able to pay the over XXXX $ fee they wanted me to pay to return it to me. I then received a phone call early XX/XX/XXXX in which I was told my car had been auctioned and I was responsible for the remaining XXXX $ owed on the car. They told me it was part of the contract I signed but no one went over this information during the buying process. 

I asked was there anyway I could resolve the issue because I was unable to make the payment in which I was told there were no other options. I then learned of comsumer law and here I am.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I filed a chapter XXXX bankruptcy in 2019 in the XXXX District of California XXXX. 

Early Warning Services was advised of this filing in writing and still refused to remove this information from our reports. 

By them doing so, has barred us from opening a checking account causing of to be unable to obtain our money and pay our bills.
Product: Credit reporting or other personal consumer reports

I have asked for this debt to be validated. The company has failed to do so under the law. Because of this adverse action i have been denied credit, employment, insurance, or other benefits based on information in a credit report. This is on all credit bureaus XXXX, XXXX and Experian
Product: Checking or savings account

On or about XX/XX/2023, I received an email regarding overdraft. I gave the Merchant my card only for a deposit for {$50.00} and after I return the car I suppose to have the {$50.00} returned which the car is returned. I filed a dispute and PNC took {$50.00} from my account and never return it back to me. In addition, car fees that I did not owe to XXXX because {$320.00} was a rental due to no fault accident. 

In addition, I closed my checking and savings account and had {$3.00} I did not receive any funds by PNC bank. Also I did not receive {$.00} that was left in my savings account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity Theft. This began in XX/XX/2015, after my wallet was stolen. Inside my wallet was my Drivers License, Social Security Card and email addresses. I didnt notice this was occurring until recent. I notified TransUnion of FRAUD that has been occurring on my credit report. I show two FRAUDULENT. Accounts that I am requesting to be blocked, as these were opened after my identity was stolen. TransUnion refuses to assist with the fraud, and continues to ignore the Identity Theft Affidavit that I have attached. Transunion is allowing two Fraudulent accounts listed in my Identity theft affidavit to be placed on my credit report knowing these accounts are fraudulent. I did not authorize these accounts to open in XX/XX/2015, Not only do the account credit limits appear incorrectly, Transunion has been notified that these are fraudulent and continue to allow the fraudulent accounts to appear on my credit reports. I did not open these accounts, I never received any credit cards from this institution. When the thief stole my wallet, they stole my social security card, Drivers License, and forwarded my mail. In addition the company has already been notified that I did not authorize these accounts. There are two XXXX XXXX XXXX XXXX accounts that Transunion knowingly allows. These accounts are fraudulent and are listed as such on my Identity theft affidavit which is a legal document I am attaching below again. I am requesting these accounts be blocked immediately as I never signed anything for this institution. Nor did I ever receive any information on these accounts. When I called the credit union, the agent advised me these had been opened at an address listed XXXX XXXX XXXX, and XXXX XXXX XXXX. Neither of these addresses are mine, nor did I ever live there. Since then the credit union, has verbally harassed me and threatened to show up at my door. These accounts are not mine these were opened as a result of Identity Theft, PER THE FCRA Law. I am reporting this crime to you, along with a Law Enforcement affidavit. Please block the Inquiries listed on the Affidavit along with these two XXXX XXXX  accounts. That I did not authorize. This is not a dispute. This is a statement that I am a VICTIM OF IDENTITY THEFT. Therefore please follow the proper laws in blocking the accounts that have been opened fraudulently.
Product: Credit reporting or other personal consumer reports

In accordance with the fair Credit reporting act ( XXXX XXXX XXXX Account # XXXX ) ( XXXX Account # XXXX ) ( XXXX Account # XXXX ) ( XXXX XXXX Account # XXXX ) ( XXXX  XXXX Account # XXXX ) ( XXXX XXXX Account # XXXX ) ( XXXX Account # XXXX ) ( XXXX XXXX Account # XXXX ) ( XXXX XXXX Account # XXXX ) ( XXXX XXXX  XXXX Account # XXXX ) ( XXXX XXXX Account # XXXX ) ( XXXX XXXX XXXX Account # XXXX ) ( Chapter XXXX XXXX Account # XXXX ) has violated my rights! Also i was never late on any of these accounts ( XXXX  Account # XXXX ) ( XXXX Account # XXXX ) ( XXXX XXXX XXXX  Account # XXXX ) ( XXXX Account # XXXX ) ( XXXX XXXX Accounts # XXXX  ) ( XXXX XXXX  Account # XXXX ) ( XXXX XXXX Accounts # XXXX ) ( XXXX XXXX XXXX Account # XXXX ) and feel my rights are being taken advantage of 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!

In addition the law states : 15 U.S. Code 1681i ( A ) - Procedure in case of disputed accuracy ( A ) -If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ;
Product: Credit reporting or other personal consumer reports

I request the negative reported and charged off accounts on my reports from Equifax, Experian and Transunion to be removed from my reports. I am writing to formally dispute charge-offs account listed on my credit report and to request the removal of all negative items that are affecting my XXXX XXXX. Under the Fair Credit Reporting Act ( FCRA ), Section 609, I have the right to dispute any inaccuracies on my credit report, and I believe these entries are unjustly impacting my financial future. Dispute Reasons : I did not receive a 1099 form reflecting any charge-offs, which raises questions about its validity. I am a retired XXXX veteran who served for more than XXXX years of XXXX XXXX and i served in combat in multiple countries. I have tried to resolve my credit issues directly with the agencies and i have yielded any positive results. I have been affected by a past and recent data breach that compromised my personal information which caused some erroneous charges to my accounts. However, I had to remain mission focused. In light of these circumstances, I am requesting the removal of the charge- offs as well as all negative items on my credit report to allow me to have a fresh start. I respectfully urge you to investigate this matter thoroughly and to consider the unique challenges I have faced as a retired veteran service member. Thank you for your attention to this crucial matter. I look forward to your prompt response, as it will greatly assist me in rebuilding my credit and future financial opportunities. In light of these circumstances, I am requesting the removal of charge-off as well as all negative reflecting items. 

In light of these circumstances, I am requesting the removal of charge-offs as well as all negative items on my credit report to allow me to have a fresh start. I respectfully urge you to investigate this matter thoroughly and to consider the unique challenges I have faced as a service member. Experian is being sued for failing to properly investigate consumer disputes with creditors and committing other violations of the Fair Credit Reporting Act. The lawsuit alleges that Experian has been conducting " XXXX  investigations '' of consumer report errors, potentially jeopardizing XXXX  of Americans ' access to credit, employment, and housing. Please remove all negative accounts and charge off accounts that is reflecting negatively.
Product: Credit reporting or other personal consumer reports

I have previously filed a complaint regarding the negative accounts on my credit report. I have long requested for these to be removed by the three bureaus, but they have yet to take any action on this matter. These negative accounts are severely affecting me, so I am once again requesting their removal. This time, if the three bureaus still do not take action, I will file a lawsuit against them and seek compensation for the damages they have caused me.
Product: Checking or savings account

On XX/XX/XXXX My Bank is Wells Fargo XXXX XXXX XXXX ( From Wells Fargo ) I filed a claim to Wells Fargo about a transaction total of XXXX from XXXX XXXX XXXX and I never had anything to do with them. It was 3 transactions of the following. 

XXXX/Bill pay/ XXXX To XXXX XXXX  XXXX Credit Card XXXX/Bill pay/ XXXX/To XXXX XXXX XXXXXXXX Credit Card XXXX/Bill Pay/ XXXX To XXXX XXXXXXXX XXXX Credit Card As soon as I woke up I reported this transaction as fraud immediately to Wells Fargo and they had me create a new bank account with a new username and password. 

On the XXXX I went to my local police station and reported this transaction to them as Bank fraud and told me they would begin their own separate investigation into the matter. 

On the XX/XX/XXXX I was sent a provisional credit of XXXX. I was told that this was a temporary amount until they were able to investigate further in a letter later that the case had to be investigated further. 

On the XX/XX/XXXX I received an email from my local police department which had said the following " I have hit a dead-end in your case. Wells Fargo was not able to provide enough information for me to subpoena XXXX  XXXX XXXX for the recipient of the funds. XXXX can not provide customer identification information with a partial card number. I see that you have been refunded the money, according to their letter, and they consider that you have been made whole. This may be why they are not retaining records that could further my investigation. Please continue to keep track of your accounts and be mindful of unauthorized transactions. '' I had taken this as my case being resolved which made me relieved and satisfied for the time being. 

On XX/XX/XXXX ( This following letter was sent out on XXXX/XXXX/XXXX I then received a letter basically telling me one of the following, " We have not completed our research of your claim and found these transactions were made by you or someone who had your permission to perform transactions on your account. As a result, the provisional credit provided to you earlier will be reversed within 10 business days from the date of this letter. Please consider your claim closed. '' I was very frustrated by this because I had thought my case was completely done with. So apparently on the XXXX of this month, the money would be removed from my account. I never had anything to do with XXXX in my life which is very frustrating indeed and I don't even have that kind of money to be spending anyway.
Product: Credit reporting or other personal consumer reports

I contact the credit agency concerning this matter and have not received a response as of yet. I asked that the hard inquires be removed because they were not authorized to run my credit without my permission
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and correct for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX : {$650.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Delete Entire Account Due to Confirmed Fraud, Fraud Investigation Completed, Delete Account from Bureau Due to Fraud, Affidavit Declared Contract Void ab Initio and Have Been Confirmed as Fraudulent Item Blocked, Cease and Desist Reporting this Account Item of Information Because it is Unknown, Inaccurate, and Unverified Due to Negligently Violated 15 USC 1692c ( c ), 15 USC 1692e ( 8 ), 15 USC 1692g ( b ), 15 USC 1681a ( 2 ) ( A ) ( i ), 15 USC 1681b ( 2 ), 15 USC 1681s-2 ( a ) ( B ), 15 USC 1681s-2 ( b ), 15 USC 1681o ( a ), 15 USC 1681n ( a ), 15 USC 1681i ( a ), 15 USC 1681g ( 2 ) ( E ), and 15 USC 1681e ( b ). I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date. /sXXXX XXXX XXXX XXXX