23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I spoke to a Bank Assistant Manager XXXX XXXX about a transaction and he said it would be fine if I keep the same debit card. I emailed the bank from my App to explain the history and the bank responded they do not know what this transaction is eventhough it was on my bank statement. They do not see it on their end. They further explained it could be a test transaction. My complaint is if the bank does not know it dies not appear to be alright. I asked several times by email to give the history to their higher management. I received the same responses. I asked was the transaction from my checking or debit card. I may be able to keep my account and get a new debit card. The transaction shows from my checking Account Number XXXX ( XX/XX/XXXX XXXX  XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$1.00} ). 

XXXX XXXX explained he blocked the Merchant from any future attempts. My complaint was could he give me some kind of receipt. He said to me to email Chase using my App. Again Chase explained they so not know the history. 

I need to use your office to submit this history to find if law enforcement should study the history? 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX Account number XXXX 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 with my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XXXX XXXX has failed to update my fraudulent account that are being reported on the consumer profile. 

FTC and the Police report along with the deletion letter from the company XXXX is evident and attached as well as Affirm being deleted permantely from my consumer profile I have reported them as well for their deceptive reporting and clear violation of the 15USC 1692 ( g ). 

Their inaccurate reporting concerning the XXXX account are not only abusive but clearly fabricated the loans are in deferment not closed and 90 days late. 

XXXX you are violating federal law and I do intend to receive cure for the injuries that I have thus sustained. See attached Invoice.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal dispute and complaint against Capital One Auto Finance for violations of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681. Capital One Auto Finance failed to notify me of the charge-off of my account, which I recently discovered on my credit report. This omission represents a significant failure on their part to fulfill their legal obligations regarding transparency and consumer notification. As a result, I was deprived of an opportunity to respond or resolve the matter in a timely manner. 

Additionally, Capital One Auto Finance did not provide me with a XXXX form for the charge-off, which I am legally obligated to have in order to file my taxes properly. The lack of this form not only hinders my ability to comply with federal tax requirements but also compounds the impact of the initial charge-off violation. This failure to issue the XXXX constitutes another serious breach of consumer rights and tax law obligations. 

Under FCRA guidelines, creditors are mandated to inform consumers of any significant negative actions, such as a charge-off, that will adversely impact their credit report. Additionally, they are required to provide the necessary tax documentation, like the XXXX, in the event of a forgiven or canceled debt. The lack of communication and documentation from Capital One Auto Finance is a direct violation of these consumer protection laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has placed incorrect information on my credit report. I became terminally ill a few years ago and can no longer work. I callled XXXX to ask if they could help with reducing the amt of my loan payments. They told me there was nothing they could do and no resources available to help me. My grandmother was my co-signer on the account.They continously called her and a few times threatened her. One man that called her from XXXX told her he knows where she lives. Another told her since she lives in FL she must have money and needs to pay immediately. A woman from XXXX wanted to go over my grandmothers bills with her. My grandmother thought the woman was trying to help her so she started telling her what bills she pd monthly. When she told the woman she pays a lawn service to cut her lawn, the woman scoffed at her and told her she needs to cancel that service and cut the lawn herself and informed my grandmother to use that money to pay XXXX. My grandmother is XXXX years old and just lost my grandfather 2 years ago and lives alone. She is physically unable to mow a lawn! After a few years of going back and forth with Navient between my grandmother and myself, XXXX offered a settlement. They wanted a payment of {$640.00} and this would close my acct with them and my debt would be paid off with no repercussions. XXXX was PD {$640.00}. On XX/XX/2020. They have yet to report this correctly to any of the credit bureaus. I've disputed this acct with all 3 credit bureaus several times each and everytime the information is changes with the acct to more incorrect information. I don't know what to do ... ..I was evicted from the house I was renting because we missed the last few payments on the lease prior to the lease ending. My son and I are stay I with my grandmother ( unlawfully according to her XXXX as its a XXXX community ). I'm currently having no luck being approved for a rental, not because of the eviction ( luckily not on my credit, yet XXXX but because XXXX is playing games with my credit report. There has to be something I can do to correct this. My son and I will be living in the car soon if I can not get approved for a home. 
They offered to settle after
Product: Credit reporting, credit repair services, or other personal consumer reports

Several issues : Background authorized not submitted to company denied position Paid XXXX 3rd party credit collection company Credit Report tampered by credit report company Phone calls that are made are not directed to correct individuals ( as if calls are forwarded ) Phone # needs to be evaluated as call are not directed Police reports are not generated/Police reports are sealed ( Unethical protocol ) Violated justice for victims Tampered with Emails ( XXXX  ) XXXX ( email was hacked ) other emails that need evaluation XXXX and XXXX Cell phone provider XXXX ( tampered ) Bank Accounts ( XXXX XXXX ) Received opened/tampered mail letters received are mailed ( XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX received multiple calls and emails tampered education/Call Forwarded to wrong entities/cyber bullied/Tampered with money/accounts Fraudlent eviction Marshals protocol XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Legal name XXXX XXXX XXXX XXXX XXXX XXXX XXXX Improvement Contractors License ( Owner ) of XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX responded to business legal entity ( Emails received from XXXX XXXX XXXX once again evaluate emails and calls that are forwarded ) XXXX XXXX Emails , XXXX, 3rd Party Collection Agency, Dept of State regarding Business XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX needs evaluation XXXX never received yet requested and try to initiateynder XXXX XXXX and XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX.
Product: Credit reporting or other personal consumer reports

I have recently obtained a copy of my credit report and Ive noticed inaccurate information being reported. I have been wrongfully denied credit recently because of those mistakes which are either from your company or the reporting creditors part. This is a formal complaint and request to investigate the following item : XXXX XXXX XXXX  reporting as XXXX late payment. This is false. I reached out to them via phone and nobody was able to help me. I am requesting for this to be corrected. I have never missed a payment or have been late and this is impacting my score negatively. 

As per the law, I understand that your bureau has to investigate the disputed accounts and respond to me via mail within 30 days otherwise the items have to be corrected. 
Upon completion of your investigation, I am requesting that you please send a detailed description of the procedures used to determine the validity and accuracy of the account ( s ) I am disputing as well as the name and contact information of the agent conducting the said investigation for further communication if needed. 


Regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX account was discharged in XX/XX/XXXX and is currently reporting inaccurate information as of XX/XX/XXXX. The last payment for this account was in XX/XX/XXXX and should not have recent activity. Please remove all recent activity on this account or delete account immediately. According to FCRA you can not report inaccurate information.
Product: Debt collection

AssetCare LLC is calling, texting and interfering with my phone, computer and television. I have contacted them and the original medical provider of services to clarify I dont owe this. At the time of services rendered I provided my insurances and they have paid all claims. 
AssetCare has purchased the debt third hand and is trying to collect from me. The most alarming part is the debt amount has changed several times. They are requesting a settlement of {$130.00}. 

I want the interference with my electronics to cease immediately. As a senior its very uncomfortable having this challenge. 
Thank you for reviewing this matter. 

XXXX XXXX
Product: Debt collection

over a week ago I had sent a letter to XXXX XXXX at XXXX XXXX XXXX, XXXX, TN requesting that contact to me be made by mail only. I specified no contacting my family friends etc. On 1. ) XXXX/XXXX/15 a representative from world finance came to my home, gave my husband a confidential envelope but still 2. ) discussed my loan with him! 3. ) They also continue to call me every day sometimes XXXX a day.
Product: Credit reporting, credit repair services, or other personal consumer reports

A company by the name of XXXX XXXX has 4 accounts in collections from XXXX XXXX XXXX on my consumer report. These accounts are dated from 2017, however, I have a current relationship with XXXX today. The accounts are listed as {$110.00}, {$94.00}, {$410.00}, {$110.00} I have never done business nor do I have a contract with XXXX XXXX, this debt is not valid or verified pursuant to FDCPA 15 USC 1692g. 

It is also an invasion of my privacy pursuant FCRA 15 USC 1681c ( 6 ). I do not recall being contacted by the orignial creditor nor XXXX XXXX once the alleged debt was purchased.
Product: Debt collection

On XX/XX/2022 at XXXX EST WakeField & Associates Violated my rights Under 15 U.S.C 1692c Section A : of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act that states : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt and continued Under 15 U.S.C 1692c 805 A1 at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. 

They also violated my rights under 15 U.S.C 1681 section 602 A. which states : I have the right to privacy.

And Under 15 U.S.C section 1681n section A and Section 1A states : Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} WakeField & Associates called my personal phone number WITHOUT my consent and while I was AT WORK and HARRASSED me to pay a debt, I am now vividly XXXX XXXX. The number they called me from without my consent is XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Consumer XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX : XXXX Hard Inquiry Dispute Dear XXXX, XXXX, and Experian Credit Reporting Team XXXX XXXX XXXX XXXX to formally dispute the unauthorized hard inquiries appearing on my credit report. I did not authorize these hard pulls, and I request that they be removed immediately in accordance with the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX. 

The following hard inquiries appear on my credit report and were made without my knowledge or consent : XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX BANK XXXX Date : XX/XX/XXXX XXXX. XXXX FCU - Inquiry Date : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXXXXXX Bank XXXX Inquiry Date : XXXX XXXX XX/XX/XXXX Under 15 U.S.C. 1681b ( f ), it is unlawful for any person to obtain a consumer report without a permissible purpose. I have not applied for credit or authorized these entities to access my credit report. Therefore, these inquiries are a violation of the FCRA. 

I kindly request the removal of these unauthorized inquiries from my credit file. Please complete your investigation within the XXXX time frame required by the FCRA, and notify me of your findings in writing. If you need additional information to investigate, please let me know promptly. 

Enclosed are copies of my identification and a copy of my credit report highlighting the disputed inquiries for your reference. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX XXXX XXXX
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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Dear [ Agency 's Name or Representative ], Subject : Dispute Regarding Fraudulent Accounts and FCRA Compliance I am writing to formally dispute the inclusion of several accounts on my credit report, which I believe to be fraudulent. Despite my previous attempts to resolve this matter, the accounts listed below have not been appropriately addressed, in violation of the Fair Credit Reporting Act ( FCRA ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the FCRA, credit reporting agencies are required to verify accounts by obtaining a valid signature and multiple forms of identification. To date, these accounts have failed to present the necessary documentation to substantiate their legitimacy. 

As a consumer, I have the right to expect that the information on my credit report is accurate and verifiable. The automatic validation of these accounts without proper verification is a clear violation of FCRA guidelines. 

I kindly request that you thoroughly investigate these accounts and remove them from my credit report if they can not be verified according to the standards set forth by the FCRA. Please provide me with a written confirmation of the actions taken regarding this matter. 

Thank you for your prompt attention to this issue. I look forward to your swift resolution. 

Sincerely, XXXX XXXX
Product: Checking or savings account

On the XXXX of XXXX, Wells Fargo informed me they are closing my account due to excessive claims. I have been with them for over 10 years. My account was compromised in XXXX so all of the claims werent mine. This put me at a hardship because my check was supposed to be deposited this week and they put a block on it. I have bills to pay and today where virtually everything is online this put hardships on me. I may not receive my check or it may be delayed longer than it should have. I filed maybe 3 claims this year myself. Thats not excessive. A couple of their bankers were very rude to me. That was unnecessary. All of their bankers werent rude. I dont want my account to close because it would make my life very hard. They also put me in the XXXXXXXX XXXX making it hard for me to get an account. My account isnt even negative. I wasnt even given a warning.
Product: Vehicle loan or lease

Went to XXXX XXXX XXXX on XXXX XXXX to purchase vehicle in XX/XX/2019. 1st original issue was given GAP Insurance when I declined it, Finance guy named XXXX, voided 1st contract and gave a new contract without GAP Insurance. I signed the contract on XX/XX/2019. I asked for an extended warranty cost was XXXX. Company named XXXX XXXX XXXX however when I called to see if I had coverage ( I was at the dealership getting work done and potentially needed additional work ) I was told I didnt have any coverage with them. I then contacted the dealership, spoke with XXXX in Financing for XXXX he said he not sure how that happened, who was the Finance person, he would look into it and call me back. No word..
Product: Mortgage

My escrow got messed up during a process of having to get a new insurance company because the current company went bankrupt, which is no fault of mine. I contacted nation star a.k.a. Mr Cooper about the issue because my mortgage payment more than doubled and they stated to me I could pay my current mortgage until I got the checks back from insurance companies deposited in the escrow, then it would balance out in the monthly payment would be fixed. I did exactly that calling them every month which was two months to pay the payment expressing to them I did not want to have a delinquent account or anything on my credit report and they assured me that I was fine, wrong now my credit dropped drastically because now I have a delinquent account on my report and now having a hard time refinancing because I follow their instructions. Then they told me I had to pay a large amount to defer the account going delinquent and I did and I still got flag for a delinquent account please help me get this off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian credit bureaus is still reporting identity theft inquiries : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX Experian has not followed the law after several days of me reporting this complaint to experian and after I have provided an identity theft report and police report outlining two two fraud inquire from most recent ( XXXX XXXX, twice ) and one that was reported months ago with identity theft report and police report. ( XXXX  ) see attached.
Product: Student loan

Navient and XXXX XXXX are absolutely insane. They call non stop at all hours starting at 7 am through XXXX pm 7 days a week. Ive filed multiple complaints with the attorney generals office about this and how they are so unprofessional and rude. I once called 15 separate times and not once did anyone answer. It continued to ring and ring till I finally got connected and was hung up on. Even when you do talk to anyone, nothing is noted or filed. They will say they have not heard from you even if you just hung up with them
Product: Student loan

I updated my contact information online because i moved. The company ( great lakes )  would not update my information without an email address. Then once you enter the email address you are automatically signed up to receive everything by email. There is no way to receive all correspondence in the mail excepted to call and have customer service fix the account. I received a " verify your email address '' and did not respond to it. My email address was not verified. The company then sent me an email with my account number amount due and other information to the email address that had yet to be verified. Is it acceptable for them to send my account information to an unverified email address?
Product: Checking or savings account

So my bank account was closed XXXXXXXX XXXX XXXX  and after that happened I patiently waited for the check to be mailed to me and after a long while the check still hasnt came so i started calling us bank and also the fraud department. During this process i have been told by many different people ive spoken with that they dont know where my funds are and that they dont see the funds in my account and also ive been told that the funds are being held and waiting for release. After i was told they are waiting for a release i contacted a us bank branch near me and the guy i spoken with told me that i could pick my funds up on a XXXX  when they would be ready. I went to the bank he told me to pick it up from and spoken with the manger and he told me he cant do anything because the funds are not to be released. I called fraud department right after that and the lady i spoke with was very non helpful she just kept telling me to ask the us bank to keep me updated on whatever it is going on. Still til this day i have not received my funds of {$220.00} and still have not received any update on where my funds are and when i would be receiving them