23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Union Bank was absorbed by US Bank, and I was left with no choice but to open an account with US Bank. 

XXXX months ago, my online account stopped functioning. I reached out to the Online Resolution Center, but received no response. I've repeatedly visited the US Bank XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX, requesting a resolution, but even with the managers assistance, the issue remains unsolved. 

Each time, I change my username and password, and it temporarily works. However, after a few hours, the newly set password becomes invalid again. When I asked for a higher-level person who could resolve this, they suggested it could be due to my device being old or because my password included uppercase letters, though uppercase letters are allowed by their own password rules. They refuse to acknowledge any fault on the part of US Bank. 

Ive been coming in for XXXX months to resolve this issue, and while they know me by face, they show no commitment to truly resolving the matter. 

This ongoing issue has caused problems with my companys monthly payments, affecting the credibility of my business. I also have automatic payments set up, but they aren't functioning. I've even been penalized for late payments by US Bank, despite this issue not being my fault. 

In 2024, its unacceptable that a banks online system would go unresolved for over XXXX months. Please take action to hold US Bank accountable for this negligence.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX XXXX Re : Formal Complaint Regarding Collection Agency Violations Dear Sir/Madam, I am writing to file a formal complaint against Portfolio Recovery for federal consumer protection law violations. Specifically, I believe the collection agency has failed to comply with several provisions outlined in the Fair Debt Collection Practices Act ( FDCPA ) and regulations under the Consumer Financial Protection Bureau ( CFPB ). 
Violation 1 : Failure to Provide Validation Information ( 12 CFR 1006.34 ( b ) ( 5 ) ) I recently discovered that Portfolio Recovery has reported a collection account on my credit report without first validating the debt. Under 12 CFR 1006.34 ( b ) ( 5 ), the collection agency is obligated to provide me with sufficient information to verify the debt. However, I have not received any such validation from them. This lack of validation is a violation of my rights as a consumer. 
Violation 2 : Failure to Allow Dispute Under 12 CFR 1006.34 ( c ) ( 4 ) ( i ) Furthermore, the collection agency has not provided me with an opportunity to dispute the account, as required by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). I have not been informed of my right to dispute the accuracy or validity of the debt, which is a clear violation of my legal rights under this regulation. 
Violation XXXX : False, Misleading, and Deceptive Practices Additionally, I believe Portfolio Recovery has engaged in false, misleading, and deceptive practices, in violation of the FDCPA. By reporting an account without providing proper validation and failing to disclose my right to dispute the debt, they have misrepresented the nature of the debt and the associated risks to my credit. 
Violation 4 : Unauthorized Reporting to Consumer Reporting Agencies ( 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) ) Lastly, I am aware that the collection agency violates 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) as they have furnished this collection account to a consumer reporting agency without providing the disclosures required by law. The lack of required validation and notices has resulted in an improper reporting of this account, which should not have been placed in my credit report without proper compliance with the law. 

I am also requesting the purchase order agreement between Portfolio Recovery and the original creditor. 
Request for Resolution I request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that Portfolio Recovery is held accountable for its violations. I also ask that they be directed to provide the required validation information, cease further collection activity until proper disclosures are made, and remove any inaccurate information from my credit report. 
Thank you for your attention to this matter. Please confirm receipt of this complaint and provide some updates on the investigation. 
Sincerely, XXXX XXXX XX/XX/XXXX XXXX Account # XXXX ________________________________________
Product: Credit reporting or other personal consumer reports

This account XXXX XXXX XXXX XXXXXXXX has been purchased by a THIRD PARTY DEBT COLLECTOR. 
This must be DELETED as the status is not correct, the amount is not correct and the account was paid for less by the THIRD PARTY DEBT COLLECTOR. 
As you can see my partial credit report that I have attached in this dispute the information is not correct and it is not accurate. 
There for it must be DELETED immediately. 
How much did the DEBT COLLECTOR pay for this alledged debt? I do not know and neither does the credit report reflect such amounts. 
This is a clear VIOLATION of the Fair Credit Reporting Act ( FCRA ) as this is not ACCURATE or COMPLETE. 
DELETE : XXXX XXXXXXXX XXXX XXXX XXXXXXXX.
Product: Credit reporting or other personal consumer reports

I am reporting that company JPMCB CARD has illegally flagging and RE-aged on my credit report a Charge-off on the date of XX/XX/2023. 
Source : XXXX XXXX : JPMCB CARD Address of JPMCB : XXXX XXXX XXXX, XXXX, DE XXXX CompanyPhone : ( XXXX ) XXXX Activity : XXXX XXXX XXXX ( ChargeOff ) Illegal and False Balance Date reported : XX/XX/2023 to re-age the account. 

JPMCB violated FCRA. The JPMCB has recently changed the date of the original delinquent date. illegally " re-aging '' this account on my report. This new date reported is reported is XXXX XXXX. Which is purposely FALSE and INACCURATE,. The original and first delinquency date on this charged-off account is important to verify the accuracy of the first delinquency date reported by the creditor. Importantly, this date determines the length of time ( 7 years ) on my report and statute. I am requesting an investigation, apply necessary fines against JPMCB for deceptive, false reporting and deletion of this inaccurate and harmful account permanently from my credit report and a blatant violation of my rights under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently divorced and as a result I was relieved of all financial obligations of a loan with XXXX that was taken out by my ex-spouse. This decision was a judgment as a result of the divorce and separation of assets. XXXX is not honoring this judgment and continues to report this account to my credit file when I have no legal obligation to this account. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  XXXX is continuing to allow the financial abuse to continue. XXXX should honor the court 's judgment and cease reporting this account to the credit bureaus. This ongoing fraudulent reporting has caused me emotional and financial hardship and distress. 

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

Let me make this clear to you, XXXX is my student loan account but DP OF EDUC XXXX IS NOT MY ACCOUNT!!! This issue is an existing problem which Equifax wasn't able to resolve.. Remove multiple entries of DP OF EDUC XXXX, I've never even been contacted by this people in the past. I have no idea who they are and never did any business with them ... Please delete this account and tell the company to be more careful on how they handle their reporting
Product: Debt collection

I.Q. Data called my phone on XX/XX/2018 to discuss a debt that I had already disputed in writing. The first lady on the phone seemed nice and acted as if she was understanding the situation that my old apartment complex had put me in. She tried to tell me about laws regarding age of carpet and charges to tenants. Then her supervisor XXXX got on the phone and was yelling at me about how I needed to give them my credit card information right away or else it would show up negatively against me. I let her know that I did not feel comfortable giving out that information and she proceeded to tell at me about how i was refusing to pay. I repeated that I was disputing the charges and she hung up on me. The company still has yet to investigate my dispute.
Product: Money transfer, virtual currency, or money service

I used Venmo to sell an event ticket ( which I only found out after the fact I could n't do or I would n't have done it ). Venmo cancelled my transaction of over {$1200.00} and took the money from my account. The issue is n't with the {$1200.00} ( if it is indeed fraud then I may be out that money and just have to " XXXX XXXX XXXX '' if you will ). The bigger issue is the over {$490.00} that is still in my Venmo account that I can not transfer to my bank account. Venmo is holding this money " hostage '' essentially. I have not heard back from their customer/account representatives and I need this money returned to me as soon as possible so I can use it to pay critical bills.
Product: Credit reporting or other personal consumer reports

I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am writing to formally dispute the presence of the XXXX XXXX XXXX. account on my ChexSystems report, as referenced under XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The account is associated with the name XXXX XXXX and the address XXXX XXXX XXXX, XXXX, XXXX  XXXX, with the reported SSN/ID XXXX. 

Account Details : - Date of Closure : XX/XX/2021 - XXXXACCT # : XXXX / XXXX - Original Charge Off Amount : {$9100.00} - Closure Status : UNPAID - Closure Status Date : XX/XX/2021 Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( a ), I assert my entitlement to a precise and equitable representation of my credit history. This statute imposes an obligation on information furnishers, such as XXXX XXXX XXXX, to furnish accurate and complete information to consumer reporting agencies. 

I challenge the accuracy of the reported information and dispute the veracity of the debt in question. Additionally, I request that, in accordance with the FCRA, a thorough investigation be conducted into the legitimacy of this debt. I seek assurance that, beyond any prescribed investigative timeframe stipulated by 15 U.S.C. 1681s-2 ( a ), if applicable, the contested account will be promptly removed from my ChexSystems report . 

Furthermore, I request validation of the debt in question. Kindly provide comprehensive documentation verifying the legitimacy of the reported account, including details on the original charge off amount and pertinent closure information. I have enclosed the following documents, -Current Utility BILL -Current State ID -Current SSN I am cognizant of my rights under the FCRA and anticipate that Chex Systems will undertake a diligent examination of this matter, adhering to the statutory provisions. A prompt written confirmation of the investigation 's outcome, as well as the removal of this account from my ChexSystems report, is earnestly requested. 

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

According FCRA 611 ( 15 U.S. Code 1681i ) to dispute inaccurate information ; Request that inaccurate, unverifiable, or outdated accounts be removed. 
My information has been leaked due to this reporting agency. 
Experian has violated my rights
Product: Credit reporting, credit repair services, or other personal consumer reports

Some is using my indenty, and I never applied for most account on my credit report, and went to business have them removed!
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX 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 60 days 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. 


XXXX XXXX XXXX XXXXXXXX XXXX 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 8
Product: Credit reporting or other personal consumer reports

Consumer called Resurgent Capital Services and spoke with XXXX ( service representative ) within 30 days of receiving a Notice of Assignment concerning a XXXX XXXX XXXX  XXXX. account. I informed the agent they where in violation of 15 US Code 6802b as I did not receive any opt-out documentation which is a violation of 15 USC 6802. Agent states there was no opt out. Which is an admission of the violation. 

XXXX XXXXXXXX XXXX XXXXXXXX. shared my information with nonaffiliated third parties which violates the Privacy Act of 1974. 

Also, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliiated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of title 15. XXXX XXXXXXXX XXXX XXXX XXXX  XXXX has made this violation which goes against there own Privacy statement given to the consumer. 

I would like this account settled and marked as Paid as Agreed or pay the penalties to me listen in 15 U.S. Code 1825 - Violations and penalties. {$2000.00} per violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and my 3 credit reporting agencies removed some incorrect information but not all and some were put back on my credit report after they were previously removed.
Product: Debt collection

Waypoint resource group failed to validate debt. And refused to remove it from my credit report!
Product: Debt collection

I have no knowledge of this account. I have tried to contact them and they haven't been able to explain to me why this amount is being reported to my credit account report.
Product: Mortgage

Bank of America reported my missing payments to my credit history in the midst of reviewing my loan modification application. I was originally told that I would not receive the modification ( and was approved ), then told that I would not be reported in the midst of the process ( which I have ). This has impacted my ability to secure future home loans with other lenders.
Product: Credit reporting or other personal consumer reports

I attempted to place a credit freeze online but was unable to do SW. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). 
MY NAME : XXXX XXXX. 
LAST NAME : XXXX. 
XXXX : XX/XX/year> NSS : XXXX SECURITY FREEZE
Product: Credit reporting or other personal consumer reports

I am writing this proper rein investigation dispute about inaccurate information being reported on my credit file regarding XXXX XXXX XXXX XXXX. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681e ( b ), you are required to follow reasonable procedures to ensure the maximum possible accuracy of the information you report. This includes conducting a reasonable reinvestigation of any disputed information.

The information being reported is inaccurate and must be removed immediately. If you fail to take appropriate action, you may be in violation of 15 U.S. Code 1681n, which establishes civil liability for willfully failing to comply with the FCRA, including knowingly or recklessly reporting inaccurate information. If this matter is not resolved, I will pursue legal action and seek damages of {$1000.00} for each inaccuracy per the provisions of the FCRA. 

Please conduct an immediate investigation into this matter.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below had 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 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 items 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: Debt collection

Served an order to appear in court on XX/XX/XXXX from Lloyd and McDaniel PLC. It states the plaintiff was XXXX XXXX XXXX. The document states that I am the owner of a debt obtained on XX/XX/XXXX in the amount of XXXX. I had to appear at court on XX/XX/XXXX which I did. At that time there representative was about to leave but I stopped him and stated what I was there for. He asked my name and I told him. It was at this time I had asked him whom was the debt from and he stated he did not know and that I could call a XXXX number and they could tell me more information. He stated he was just there to ask XXXX questions that I answered. When I called the XXXX number the agent I spoke to was rude but I asked him where did the debt come from especially since it was a debt from almost 10 years ago. He stated XXXX XXXXXXXX XXXX At that time I told him I never opened an account up with XXXX XXXX XXXX and I requested he please send me all the original documentation to verify that I was the owner of this debt. He laughed and stated ok and hung up the phone. XXXX XXXX XXXX is a credit card company and I don't have any memory of opening an account with them at that time. I still have not received the documentation or spoke to anyone regarding this situation. My complaint is that they are trying to garnish my wages for a debt that may not be my debt and also if it is a credit card then they are well past the statue of limitation for this debt. This has cause a lot of unwanted stress in my life.
Product: Credit card or prepaid card

I went through a rather opaque process of trying to increase my spending power for my American Express card for a family trip I am planning in XX/XX/2018. The online chat agent was very helpful and told me to call the Account Services phone number. When I called them, the agent there was very friendly as well but gave no specific reasons as to why they couldn't increase the limit. He mentioned that it will increase from time to time, but it's been 18 months of good standing and I still don't have any more clarity into actionable reasons as to why they can't increase the limit. It's forced me to pay intramonth, which is more an inconvenience than anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my XXXX  WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite XXXX previous written requests, the unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

XXXX  XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$340.00}.
Product: Credit card or prepaid card

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that KOHLS/CAPITAL ONE has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your be investigated as soon as possible and confirmed to be correct. Thanks!