23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I filed a formal complaint with OneMain Financial Group, LLC regarding XXXX unauthorized credit inquiries that appeared on my credit report. These inquiries, dated XX/XX/XXXX, and XX/XX/XXXX, were made without my knowledge or consent. Concerned about these unexplained entries, I requested proof of authorization and questioned the accuracy of the entity names listed on my report. 
In my complaint, I highlighted the critical importance of safeguarding personal information and ensuring compliance with the Fair Credit Reporting Act ( FCRA ). Given the seriousness of the issue, I escalated my complaint to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for further investigation. 
By sharing my experience, I hope to raise awareness and assist others who may face similar challenges with unauthorized credit inquiries and issues related to credit reporting agencies. 
It is essential to understand that the name of a company must exactly match the name of the registrant as specified in its legal documents, such as articles of organization, articles of incorporation, certificates of formation, or charters. If the company name on a credit report or legal document does not precisely match the registered name, it may not be legally recognized as the same entity. This distinction is crucial because it can differentiate between a legally recognized organization and a nonexistent one, potentially invalidating contracts, disrupting the enforceability of agreements, and complicating legal proceedings. Ensuring the correct legal name is used, especially on consumer credit reports, is not just a formalityit is a fundamental legal requirement that protects the integrity of financial transactions and upholds consumer rights.
Product: Credit card

Capital One closed my credit card. My account was closed with no warning, or any calls, mail or e-mails stating that the card would be closed or when the account was closed. I just was unable to use my credit card and I called and found out the account was closed. This is an unfair business act as the customer should be aware that the account is about to be closed based upon business circumstances. As a customer I wasn't aware of. I was told to reapply but I feel that wouldn't be fair because I would have to run another inquiry against my credit report. And cause an impact to my credit score. I also was never late with this account which is attached to the case. I was also to get an increase so I don't understand why this account was closed in this unfair action.
Product: Credit reporting or other personal consumer reports

I have made consistent payments to XXXX XXXX even when the payment amount due was much larger than I could afford and they show inconsistency in my payments. They reported me as 60 days delinquent but show a payment made the month before ( XXXX. 2024 ) and the month after ( XX/XX/2024 ).
Product: Debt collection

For the last three days in a row, I have received three calls a day, and today there have been two calls so far. All calls have come during hours when I have been at work and unable to take phone call or handle making a payment on my balance due. One of these calls also came late at night, at XXXX XXXX. The calls came from ( XXXX ) XXXX at XXXX, XXXX, and XXXX XX/XX/XXXX. Then from the same number at XXXX XXXX, XXXX XXXX, and XXXX XXXX on XX/XX/XXXX. Then again from the same number at XXXX XXXX, XXXX XXXX, and XXXX XXXX on XX/XX/XXXX. Then again from same number at XXXX and XXXX XXXX so far today XX/XX/XXXX. The company doing this is XXXX XXXX/Care Credit for my Care Credit account which I started very recently to help pay for a hefty vet bill
Product: Debt collection

This letter is to put you and your firm on a notice of FDCPA Violation. 

According to 15USC 1692 15 U.S. Code 1692e - False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be l
awfully received by any debt collector for the collection of a debt.

( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney.

( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action.

( 5 ) The threat to take any action that can not legally be taken or that is not intended to be taken.

( 6 ) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to ( A ) lose any claim or defense to payment of the debt; or ( B ) become subject to any practice prohibited by this subchapter. 

Further as per the case made in case of George W Heintz V. Darlene Jenkins, the provision of fair debt collection practices act applies to attorney who regularly engage in consumer-debt collection practices, even when that activity consist of litigation. 

There for as per the judgement mentioned herein, your firm is liable as a debt collector. 

Kindly provide proof that your client has a signed contract with me and validate the debt. 

This company is represented by XXXX XXXX XXXX Find attached the proof of the lawsuit filled against me
Product: Credit reporting, credit repair services, or other personal consumer reports

They continue reporting information that does not belong to me such as names and address even after I provide my state drivers licenses. They are also reporting accounts that violate my consumer rights according to 15 USC 1681 B.

Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error these 3 accounts are in violation Under 15 USC 1681 a ( 2 ) ( A ) ( i ) late payements are transactions and transactions are excluded from a consumer report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

They call more more than 4-5 times a day from multiple numbers including private numbers marked as unknown so I am Unable to see the actual number calling. They send multiple messages and voicemails every day.
Product: Credit reporting or other personal consumer reports

Please delete these inquiries. I have no information about them, and the company conducted them without my permission.
Product: Credit reporting or other personal consumer reports

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

Account name : XXXX  Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX FXXXX XXXXccount Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX
Product: Debt collection

Received a phone call on XXXX XXXX 2015 from XXXX @ XXXX with caller ID as 'UNAVAILABLE ' Left an automated voice message stating " This message is for XXXX '' XXXX Immediately, I recognized the caller had the 'wrong number ' because no XXXX resides here ) and continued to state, "... this call is not a sales/marketing call. Hunter Warfield is a Debt Collection Agency and advised to call XXXX between M-F ( EST ) XXXX - XXXX When calling refer to number ID : XXXX. '' A return call to the toll-free and local number, each call was answered with the name Hunter Warfield in the greeting. Apparently, they are a debt collection agency. Area code for XXXX is XXXX, Florida. http : //ww2.hunterwarfield.com/ Mailing address for : Hunter Warfield XXXX XXXX XXXX XXXX. XXXX, FL XXXX / XXXX : XXXX XXXX : XXXX
Product: Credit card or prepaid card

It is fraud. its a unemployment card that i did not apply for. Amount is unknown as i do not want to activate it.visa issued by USA bank
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX due to XXXX I was unable to conduct face to face training as an XXXXr at the XXXX XXXX XXXXXXXX XXXX I lost my salary because all classes were canceled. I was forced to filed XXXX XXXX  bankruptcy in XX/XX/XXXX and my bankruptcy was XXXX in XX/XX/XXXX. 

I had two vehicles and added XXXX  to my XXXX XXXX  but my XXXX car which is a lease XXXX XXXX XXXX was not included in the bankruptcy and i ensured all payments were made on time. XXXX XXXX XXXX XXXX reported to all three Credit Bureaus that my lease was closed and I was late in XX/XX/XXXX. I saw the erroneous information on my credit after requesting a free credit report. I called XXXX several times in XXXX, XXXX and XXXX to no prevail. I contacted the credit bureaus and filed a dispute. Each time I would get the same results no change. 

My account with XXXX XXXX XXXX XXXX ( XXXX ) was not included in my bankruptcy filed in XX/XX/XXXX. I continued making payments to keep the account current. MBFS stop reporting my payments the month i filed bankruptcy XX/XX/XXXX. 
They reported my account is not closed and added a late payment. The account is current and never late. I am trying to rebuild my credit. What's being reported is hurting me from getting secured credit and renting a home. Attached are copies of my bank statements showing payments in the amount of {$820.00} from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and in XXXX I paid {$2500.00} which includes XXXX payment for my property taxes for the lease. XX/XX/XXXX payment was {$820.00}. Please look into this matter. I just want accurate information to reflect on my account and to show that the account is opened, never late and current. I've contacted the credit bureaus several times as well.
Product: Credit card

I have had an account with American Express for 40 years. In XXXX I had major health problems and was hospitalized majority of year. I had 3 payments returned but immediate corrected with another payment method. I stayed in constant touch with them thru the entire ordeal and was complimented on staying on top of everything with my hospitalization. Even got a letter saying they would not raise my rates under the circumstances. Then out of nowhere months later I get email saying both my accounts have been closed due returned payment. I called and they gave me run around and said nothing can be done. I did email my complaint to Amex ceo as well. After 40 years I cant believe Im being treated like this. I would like my accounts reinstated. I am current on my bill and under my credit limits.
Product: Debt collection

I received a copy of my credit report and there was a collection account from Helvey and Associates. I had never received any communications from this company, so I didn't even realize it was on my credit. 

I sent Helvey and Associates a letter via certified mail on XX/XX/2020 ( XXXX XXXX XXXX XXXX XXXX ) which they received XXXX XXXX, 2020. I requested validation of the debt and supporting documents from the original creditor as proof that I am indeed the party they are asking to pay the alleged debts, that they possess documentation and full accounting of the amount the alleged debt that can be presented as evidence, that the debt collector ( Helvey and Associates ) produce documentation from the alleged creditor authorizing them to contact me and pursue collection of the alleged debt, and that they have a license to collect debts in Ohio. 

I also requested : date of last activity on the alleged account, any and all documentation from the " original creditor '', proof of any/all obligations by way of transactions between Helvey and Associates and myself proving evidence of their authority to report, much less attempt, to collect allged debt. 

Helvey and Associates NEVER responded to my request for validation. They continue to report the account to the credit bureaus even though they never validated the debt within the time allowed by law.
Product: Bank account or service

After several mishaps by TD bank and it 's retail subsidiaries including sending statements to the wrong address and charging fees on no fee accounts, my husband and I chose to close our accounts. So, on XXXX/XXXX/2016, we then went to the local TD branch ( XXXX and XXXX, XXXX, PA ) in person. Our expressed purpose that day was to close our joint checking and moneyline accounts. This was clearly, and explicitly, communicated to the representative we spoke to. As part of this process, we had a balance on the monelyline account which we paid via check from our new account a copy of which we have to prove the date of our visit. Despite having done so 8 days later I went online to make sure the account was closed to find that it was still open and that a transaction had occurred again resulting in fees since the account had a XXXX balance. The mishap with the retail account resulted in a negative inpact on my credit score which prior had been spotless for 15 years
Product: Money transfer, virtual currency, or money service

On XX/XX/21, I had a cashiers check in the amount of {$220000.00} issued from funds in my Wells Fargo Bank account. I mailed the check to the payee via certified US mail. The post office lost the check and suggested I put a stop payment it. On XX/XX/21, I went to a Wells Fargo branch and put a stop payment on the check. When doing so, Wells Fargo informed me that I would have to pay a bond of 5 % of the value of the check if I wanted the funds returned to the account right away. Wells Fargo stated that absent payment of the bond, I would have to wait 90 days from issuance of the check to get the funds returned to my account, unless the check was eventually found, whereupon I could take the original check to a Wells Fargo branch and the funds would be returned to my account immediately. I did not pay the bond, hoping that the post office would soon find it and deliver it to the payee. Eventually, the post office found the check and the payee received it. The payee then wrote void across the check and mailed it to me, as, in the interim, I had paid the payee the funds she was due via wire transfer. Today, XX/XX/21, I presented the original cashiers check to Wells Fargo Bank and requested that the funds be redeposited to my account. Wells Fargo refused, stating that because the payee had written void across the check, the check was, for all intents and purposes, destroyed. Wells Fargo stated that the only options for redepositing these funds to my account are to wait the full 90 days from issuance or to have the payee complete an affidavit attesting that the check had never been in the payees possession and for me to pay the bond. Given that I presented the original cashiers check to Wells Fargo, I believe Wells Fargo is required to redeposit the funds to my account without further ado, and that it is unlawful for Wells Fargo to continue holding onto my funds any longer.
Product: Debt collection

On the morning of XX/XX/XXXX, I, XXXX XXXX was notified of a situation where my domestic partner XXXX XXXX had opened a new personal account checking and savings with Navy Federal Credit Union on XX/XX/XXXX, and over night Navy FederaXXXX XXXX had taken {$2000.00} of her opening checking deposit which was {$2200.00} ( a XXXX Payment from her Employer for her 30 day pay period the month of XXXX. ) as repayment for my navy federal credit card visa cash rewards card # XXXX which was discharged as bad debt many years ago due to non payment. The situation was very strange as I was not added as any type of joint user on the new checking and savings acounts she opened XX/XX/XXXX. And this credit card debt which was discharged in XXXX or XXXX I believe, did not belong to her. All collections would tell me is " Shes not getting her money back. '' She was very upset as she had immediately processed our rent payment of {$2000.00} by echeck to XXXX XXXX XXXX with the XXXX payment from her boss. After she spent all day begging collections to give her her payroll money back so our rent could clear, she was told XXXX from new member services would review the new member account opening recording and decide if this was a bank error and she would get her money back. After reviewing the recording XXXX decided it was a bank error and XXXX XXXX was due her money back. But then XXXX told XXXX the returning of her initial deposit money back was conditioned upon me XXXX XXXX calling Collections supervisor XXXX id # XXXX for some reason and they would not say why. When we tried repeatedly to reach XXXX, and were unsuccessful we were put in contact with XXXX XXXX in collections who told me that in order for XXXX XXXX to receive her initial deposit money back, I had to agree to a payment arrangment of at least {$300.00} a month with initial payment starting in the month of XXXX to repay the discharged debt related to the visa acct # XXXX. Because XXXX payroll check and our rent echeck were being held hostage I was forced to agree although I can not afford that high of a payment to them. When I asked how me starting to pay on this discharged debt again will effect my credit, XXXX XXXX said it may appear negatively again if I default, but she could not say if anything positive would happen or how it would be reported since the debt was already discharged many years ago. I would like some help understanding how what happened today effects my credit going forward and how navy federal XXXX is allowed to use a new members opening deposit to twist my arm to make an arrangement with them on a credit card debt from many years ago I can not afford to pay at this time.
Product: Checking or savings account

On XX/XX/2020 I opened a checking and savings account with First Citizens Bank of XXXX It was advertised that I would receive a {$300.00} bonus for opening both accounts and doing 10 debit transactions. I completed all the requirements and have contacted the bank and still have not received the promised {$300.00} bonus. It has been almost 5 months since I met the requirements of the promotion and when I ask about it they state : " Thank you for your message. We appreciate the opportunity to respond to your inquiry. We do apologize for the inconvenience this has caused. We have forwarded your information to the correct department to inquire about the promotional credit. We will contact you when we receive a response. '' Thank you.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had tavo late payments on two account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX  XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
Please investigate and provide Proof with statements showing that these payments were late If proof can't be provided 1 demand these payments be updated to on time as they should be as I was NEVER late. Thanks
Product: Debt collection

On XX/XX/2021 I received a letter from ASSOCIATED CREDIT SERVICES , INC sent me a letter via mail stating I owed a debt and that legal action can be taken and any information will be used against me to collect such debt. The letter has my personal information all over it. After I received the letter I started receiving calls from the company mentioned above stating I owed a debt and any information would be used against me to collect the debt. When I answered the phone the lady did not follow the Fair Debt Collection Practices Act and Congress has declared abusive practices are abundant and that is why they enacted the FDCPA due to inadequate existing laws.By definition under the FDCPA the above mentioned company is a Debt collector they said so themselves on the phone and in their letter. They violated 1692b by asking if I was who I am but did not state it was to correct or confirm location information. They stated I owed such debt. They contacted me without my permission. They used language and symbols that relate to an collection of debt.Under 1692c they violated that section by communicating with me without my permission and an unusual time and place. They communicated with Third parties without my consent given directly to them.They violated 1692d using harassment or abusive words and tactics. They caused my phone to ring repeatedly. They also used obscene and profane language on the phone and in the letter to abuse the hearer or reader. This company mentioned previously above violated 1692e using false or misleading representations. This company violated 1692f with Unfair practices. I stated for them to validate the debt pursuant to title 15 U.S. Code 1692g and they did not send anything. There for this company is liable to me pursuant to Title 15 U.S. Code 1692k in the amount of {$14000.00} and any damages a court may award. I demand this company compensate me for causing such XXXX XXXX XXXX to my XXXX XXXX  and due to the abundance of evidence they violated the Fair Debt Collection Practices Act the supporting documents shall be uploaded. Affidavit will be sent to company.
Product: Money transfer, virtual currency, or money service

With the current lawsuit, I am writing to report a serious issue with Zelle transactions facilitated through my bank. The issue involves missing funds and despite immediately reporting this to Zelle, I have not received a satisfactory resolution. 

The responses from Zelle have been inadequate, and this situation has caused significant stress. I believe it highlights a failure in Zelles dispute resolution process and its handling of consumer protections.
Product: Credit card

My bank ( Wells Fargo ) issued me a credit card without an application or getting my consent. I was unaware that they opened a credit card in my name. Then they applied charges to this credit card that they opened. Then charged me late fees and interest on a credit card that I did not open. I then started to get notices about payments for a credit card. I thought it was spam so I ignored them. Then I decided to call Wells Fargo to confirm since the texts were getting daily and I got my first letter. This is when I was alerted to the existence of the credit card. I called to tell them that the charges were fraudulent as they were never authorized by me and I never applied for the credit card. I asked them to close the account and then they proceeded to open a new credit card account in my name
Product: Mortgage

" any entity servicing my loan on their behalf ( hereinafter called THE LENDER ''. This company did not give me detail contact information of the above statement. Who are the entities servicing my loan? What are their names, addresses, and phone numbers? 

see previous case # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020, I filed a dispute with the three major credit bureaus XXXX, XXXX  and Transunion about the unverified account XXXX XXXX acct # XXXX, XXXX credit account # XXXX and XXXX XXXX acct # XXXX. In over 30 days ago I haven't received a response. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from these companies about these unverified accounts as of today and according to the FCRA these non responded accounts should be removed from my credit files. Thank you in your help in resolving this matter.