23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The law firm XXXX XXXX, which represents Ford Motor Credit, has made many attempts and threats to collect on a car repo loan. 
I had to let the car go back due to XXXX  and XXXX concerns. And also during this time my wife was undergoing XXXX XXXX. Which she pass in XXXX, XXXX. This placed a huge financial strain on me, my wife and my entire family. I am XXXX  years on, i have been served by the sheriff 's Department of XXXX XXXX, XXXX After talking with the Sheriff 's Dept . i have been paying {$60.00} a month thru the clerk of court for this loan. I wish the firm would stop harnessing me, my so source of income is my social security check, and a small pension from my deceased wife 's company of about {$60.00} dollars a month, which i give to the sheriff 's department. Is there any help you can provide for me too stop this company from harnessing me with these constant letter. 

Sincerely XXXX XXXX XXXX, XXXX.
Product: Debt collection

this complaint is against Cash app ( All-Square inc ) owned by XXXX XXXX XXXX. 

during the 15 months of using Cash app. NONE of my cash out funds entered into my account. Upon inquiring, there was a different bank routing # listed for a bank in XXXX NE. I emailed Cash App ( can only contact them thru email ) explained that none of my cashed out funds where found. Amounts : XXXX, XXXX, XXXX, and XXXX total XXXX. 
The Cash app rep explained they would look into the matter and comply. 
before I could get a straight answer from this company.. Cash app, sent in a claim XX/XX/XXXX against My XXXX  XXXX XXXX Account for the EXACT AMOUNT THEY OWED ME!!! 
transactions : ACH Claims Debit All-Square Inc XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX ( amounts XXXX XXXX ; XXXX ; XXXX ; and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX  ACCOUNT # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate accounts in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

My credit limit was recently decreased from {$2300.00} to {$100.00}, on my XXXX XXXX acct and from {$2400.00} to {$200.00} on my New York & Co Comenity acct due to an interest non payment oversight on my New York & Co Comenity acct. of {$8.00}. I paid off my XXXX acct back on XXXX, the full statement balance of {$400.00}. On XXXX I was assessed interest of XXXX unbeknownst to me and due on XXXX. On XXXX I was assessed a late fee of {$8.00} plus minimum interest of {$1.00}, which brought my balance to {$17.00}. Again, I was unaware my acct had a balance since I paid off the account in XXXX and never used the card since. Once I received the XXXX notice I called in on XXXX to pay balance. The representative, removed the fees & took the payment of {$10.00}. Both my accounts have been in good standing for many years, payments on time as well as the rest of my debts. To say my entire credit reporting was viewed in this decision is completely untrue and false. I have had XXXX creditors double my credit limit and XXXX increased significantly just within last month due to my excellent payment history. I have also paid off XXXX balances in full. My XXXX XXXX has increased on avg XXXX in the last month across the XXXX bureaus. 

The decision to decrease my credit limit on the XXXX referenced accounts was solely based on the late interest payment of {$8.00} on the XXXX acct because the XXXX acct has a $ XXXX credit from overpayment. This seems like a retaliation to the complaint I filed against Comenity back in XXXX, for non refund of returned merchandise. 
This is an absurd business practice & completely unethical. Apparently, this has happened to many consumers of Comenity Bank as I have read many of the same complaints online. The FDIC has also issued fines for similar practices to Comenity. The only negative impact on my credit in years is now {$8.00} of unknown interest, multiple fees from Comenity bank on interest and the dual decrease in my credit limits will also adversely impact my credit score unfairly.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is fraudulently reporting on my consumer report without written consent or authorization to report. XXXX XXXX XXXX has not provided a signed contract between XXXX XXXX XXXX and XXXX XXXX that give authorization to report on my consumer report. Requesting that this company be removed from my consumer report immediately.
Product: Credit reporting or other personal consumer reports

Subject : Urgent Request for Action Against TransUnion for FCRA Violations and Improper Bankruptcy Reporting Dear CFPB, I am writing to request urgent assistance with a matter concerning TransUnions repeated violations of my rights under the Fair Credit Reporting Act ( FCRA ). I have disputed an incorrect bankruptcy record on my credit report XXXX times, and TransUnion has consistently failed to conduct a proper investigation. Instead, they appear to be reusing the same results from previous disputes without investigating my claim as required by law. 

Here is a brief summary of the timeline : - XX/XX/year> : I submitted my initial dispute regarding the incorrect bankruptcy information. TransUnion claimed to have investigated the matter, but the record remained unchanged. 
- XX/XX/year> : I disputed the same item again. On XX/XX/year>, I received an email from TransUnion stating that they investigated the record and found no changes. The investigation was completed in less than 12 hours, which strongly suggests they reused the same results from the previous dispute without performing a legitimate investigation. 
- XX/XX/year> : I filed a third dispute. By XX/XX/year>, I received an emailsent at XXXXXXXX XXXXstating that the public record remained unchanged. Once again, no proper investigation was conducted. 

This bankruptcy record does not belong to me, and despite my repeated disputes, TransUnion has failed to take the necessary steps to verify and correct this inaccurate information. 

Under the FCRA, TransUnion is required to conduct a reasonable investigation when a consumer disputes information on their credit report ( 15 U.S.C. 1681i ). XXXX practice of using previous investigation results without properly reviewing my claim constitutes a violation of the law. Additionally, under the FCRA, they are obligated to notify the source of the information and review all relevant evidence I have provided, which they have not done in my case. 

I have also requested in writing that they provide the method and procedures they used to investigate my dispute, but they have failed to respond appropriately. 

I am seeking your assistance in holding TransUnion accountable for their ongoing violations and ensuring that this incorrect public record is removed from my report. If no action is taken, I am prepared to pursue legal remedies to protect my rights and rectify this situation. 

Thank you for your time and attention to this matter. I look forward to your support in resolving this issue. 

Sincerely, XXXX XXXX
Product: Debt collection

ONLINE INFORMATION SERVICE HAS FRAUDULENTLY ACCESSED MY PRIVATE AND PERSONAL CREDIT HISTORY WITHOUT FIRST OBTAINING MY WRITTEN CONSENT. THEY ARE A THIRD PARTY DEBT COLLECTOR AND HAVE NOT BEEN GRANTED ANY PERMISSION BY ME TO ACCESS ANY OF MY PRIVATE OR PERSONAL INFORMATION. I HAVE NEVER CONTRACTED OR AGREED TO DO ANY BUSINESS WITH THEIR COMPANY. THEIR ACTIONS ARE A DIRECT VIOLATION OF FDCPA AS WELL AS MY PRIVACY RIGHTS. WHEN I CONTACTED ONLINE INFORMATION SERVICE THEY REFUSED TO GIVE ME DETAILS ON 1 ) HOW THEY OBTAINED MY PERSONAL INFORMATION 2 ) WHO GRANTED THEM ACCESS 3 ) SENDING ME ANY SIGNED AGREEMENTS OR CONTRACTS BEARING MY SIGNATURE IN AGREEMENT TO CONTRACT OR DO BUSINESS WITH THEIR COMPANY 4 ) ANY SIGNED DOCUMENTATION FROM ME AGREEING TO GRANT THEIR COMPANY ACCESS TO MY PRIVATE AND PERSONAL INFORMATION UNLESS I AGREED TO THEIR DISCLAIMER. I DO NOT AGREE TO ANY OF THEIR POLICIES AND I SHOULD NOT HAVE TO AGREE PRIOR TO OBTAINING ANSWERS TO MY REASONABLE QUESTIONING. 
MY RIGHTS HAVE BEEN VIOLATED AND BECAUSE OF THIS FRAUDULENT REPORTING I AM SUFFERING GREAT MENTAL ANGUISH AND STRESS IN WHICH IF NOT RECTIFIED PROMPTLY I INTEND TO SEEK DAMAGES TO THE EXTENT OF THE LAW FOR EACH OCCURENCE.
Product: Payday loan, title loan, or personal loan

On XX/XX/2018 I received a call from One Main requesting a payment. I was driving and asked the representative if I could call back and she continued to talk. I was trying to pay attention to the road and she continued to harass me and would not hang up. I had to hang up on her. It appears she locked my account so I can not make a partial payment.
Product: Credit card or prepaid card

On XX/XX/XXXX, I was attempting to use my Ollo Card at the vet. It kept saying it was declined. I logged onto the app right in the office, and made sure there was plenty of money to cover the total. I tried once, or twice more, it kept saying it was declined for the amount of {$1500.00}. I then used my debit card to pay the vet bill. I went onto the app again, and it said that purchase in the amount of {$1500.00} was pending. I called the company and spoke with a male who said that there might have been a glitch or something of that nature to give it a few days. It should fall off. A few days later, I log back on, and it has moved from pending to posted transaction. I then called the company back to dispute the claim they gave me information about how to send in the information that they needed. I was told it could take up to 90 days to dispute the claim. I never heard from them if they had any trouble viewing the papers or there was a problem. It is XX/XX/XXXX and I just received a letter dated XX/XX/XXXX saying that they found the charge to be valid, and I owed the money for it. I have the vet bill, my bank statement, their letter, and a picture of my account with them with the exact same charge on the exact same time on it.
Product: Debt collection

Cash net usa had a collector call me and state that they accessed all my bank statements and that XXXXXXXX XXXX gave them all my information with out me knowing, This is fraud and I want this rectified and removed. 

If anyone did access my bank statements without me knowing I will call my attorney.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, XXXX XXXX Complaint Against Equifax Regarding Unavailability of Credit File Dear CFPB, I am writing to formally submit a complaint against Equifax, as I have encountered significant issues regarding my credit file. On XX/XX/year>. However, I was informed that they could not locate my credit file. They couldn't locate my file, but I have dispute letters that came in the mail. 

This response has raised my concerns, when disputing negative, and derogatory accounts on my credit report. I have provided all necessary identifying information, including my Driver 's License, utility XXXX, and XXXX XXXX as well. I disputed this derogatory account # XXXX XXXX XXXX XXXX to have removed from my credit report because it's impacting me from obtaining a mortgage loan. That account needs to be deleted from my credit report if they can't locate a credit file. I've had enough of the games I take my credit report seriously. 

I understand that under the Fair Credit Reporting Act, I am entitled to access my credit report and to dispute any inaccuracies. Therefore, I kindly request that the CFPB investigate this matter. 

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

Sincerely,
Product: Debt collection

Status : Collection account. {$670.00} past due as of XX/XX/XXXX 
Status Details : This account is scheduled to continue on record until XX/XX/XXXX
Product: Bank account or service

M & T Bank is giving us a difficult time in rolling my deceased mother 's IRA 's over into a beneficiary IRA at XXXX. It is one road block after another and continuous mistakes and negligence on their part. We completed the necessary forms over 1 month ago and M & T kicks it back to XXXX either saying there are no accounts ( when there are actually XXXX of them ) or they never received the forms ( we have email proof from the XXXX branch manager directly to the M & T Branch manager sending the forms ). They do n't return phone calls to us OR our branch manager at XXXX and we are at our wits end. They are making it impossible to move OUR money from M & T to XXXX. We are dealing with the branches of both banks located in XXXX, Maryland. Please ... we need help! We are being stonewalled and believe it is not just incompetence on M & T 's part, but their intent to hang on to our money as long as possible. I would never EVER keep one single XXXX at M & T.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a RV Loan with US Bank that was initially in XXXX. In XXXX, US Bank offered its clients the option to participate in a COVID-19 deferred payment plan. I participated in the plan for the months of XXXX, XXXX, XXXX and XXXX. At the moment clients are enrolled in the plan, I was not notified that it would withdraw me from the automatic draft. As a result, a late payment in XXXX is being reported on my credit file as well as late payments for XXXX, and XXXX of XXXX. I was equally disturbed that my credit file indicated that a late payment was reported 30 days late for the same month of XX/XX/XXXX. For me, this was is a concern, as it is not possible to be 30 days late within the same month. Indeed this represents an error. 
I was enrolled in the automatic draft ACH payment and was told, US Bank was unable to process a payment in XXXX, XXXX. US Bank indicated that they made an attempt to contact me via phone as this dis-enrolled me in the automatic draft system. US Bank did not indicate the reason why the draft was not completed, and also did not suggest or prove that it was due to insufficient funds. I did not receive a call, nor did I receive a letter that I was not enrolled in the plan and as such, US Bank did not withdrawal the proper payments from my account and thus reported my account as being late to the credit bureaus. US Bank indicated, that they sent mail during the pandemic, however US Mail delivery options were often reduced, limited, mis-delivered, or any mail not sent via certified is not guaranteed delivery during the pandemic. 

Attempts to contact US Bank during the height of the pandemic were met with multi-hour wait times, call disruptions, disconnections or being transferred to multiple specialist with further call cancellations. As of XX/XX/XXXX, I had to call and request a digital copy of the deferment letter.
Product: Credit reporting or other personal consumer reports

I am not responsible for the debt it was not authorized and fraudulently I am asking can you please help remove this debt from my credit account the account was not verified and I was not provided any proof of verification
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled an XXXX XXXX reporting and Chex Systems report, and XXXX  XXXX XXXX is still reporting an old account with a balance on the report that had caused an adverse action against me and my business when attempting to open a new business account. I filed a XXXX  XXXX Bankruptcy on XX/XX/XXXX and it was Discharged by the Bankruptcy Court on XX/XX/XXXX, and the XXXX  XXXX XXXX account was included in the Bankruptcy that was to be discharged. I called back in XX/XX/XXXX, and was advised that the bank would resolve this, but it appears it never has complied with the bankruptcy order.
Product: Debt collection

VALIDATION AND CEASE AND DESIST Collection agency name : Portfolio Recovery Associates , LLC Address : XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX Account number : XXXX Your NAME : Your address : Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter
Product: Student loan

In XX/XX/2022, I satisfied the XXXX XXXX  payment requirement to have my loans forgiven by way of public loan forgiveness. After several months of not hearing back on the status of my forgiveness, I called and was informed in XXXX that Fed Loan servicing inadvertently made a mistake, rejected my application to forgive my federal student loans, and failed to provide notice. 

My name on my federal loans is XXXX XXXX, my maiden name. 

On XX/XX/2022, I called for at least the XXXX or XXXX time to follow up on my application. On that date, after numerous confirmations that my application would be approved, they caught their internal error and then approved my loan forgiveness. They further explained my balance would be forgiven in a matter of days, and that I would receive a letter of confirmation. 

It has now been several weeks. I make calls almost daily to see why my loan balance has not been discharged, despite my approval. No one can give me any information or any timeline. 

Today, Ive been put on hold by XXXX separate people, in excess of hours. No one can provide me information on why my balance has not been forgiven. They say they can not provide a timeline for when this will be done, but have confirmed that I have satisfied all necessary steps for the loans to be forgiven. 

I have called at least three dozen times in the past several months. This delay in performance of loan forgiveness on their end is devastating to me, as I am desperately waiting to have this XXXX plus balance forgiven. This is having a tremendous impact on my credit score, which is in turn, inhibiting me each and every day from moving forward with purchasing a home and a car.
Product: Bank account or service

My card was stolen and used without authorization by an unknown person. I contacted a hotel where a {$200.00} charge was processed without my knowledge, and both myself and the clerk tried to get the charge returned, even contacting the person at that room, who admitted using the card without my permission. Bank fraud department had me file police report. Account still has charge, and fraud dpt has me running around getting " forms '' from branch.
Product: Credit card or prepaid card

Last year, I was involved in an accident that negatively affected my ability to work and pay my bills. I exhausted my savings making sure I paid all bills on time until my savings ran out. That is when my credit payment history started to go down. I have rebounded and continued my good paying history and was advised to ask my lenders to do a good will removal of the late pays considering my payment history was excellent prior and returned to good standing. Many of my lenders honored my request. However, Fifth Third Bank and XXXX XXXX XXXX XXXX are only two stating the law requires them to reporting accurate information to the credit bureaus. This is true. However, the law also gives lenders the discretion to remove the late pays without prejudice. The couple late pays is not a good indication of my credit worthiness and that is what I have been trying to get them to accept. I had those accounts for over two years and only late 2 times due to the accident which affected my income. I feel the banks are intentionally denying my request so they can charge me higher interest rates and using that part of the law to justify their decision. 

I know the pandemic is going to negatively impact many people credit worthiness so the XXXX scoring model is preparing to implement the " Resilency Index ''. This scoring model will focus more on people payment history and not the late pays that will get reported because of missed payments. Once this model is release my score will increase. However, I feel these two banks are being unreasonable and hiding behind a portion of the law that benefit them. Please help.
Product: Debt collection

I recently went to XXXX XXXX and I noticed on my account there was a collection debt of {$200.00}. The company that sent me to collections is called Frontline Asset Strategies. I have never heard of this company nor attempted to create an account with them. 
According, to Frontline Asset Strategies " my '' account was opened on XX/XX/2022. 
Before asking why I have not tried to take action with the company, it is because all the reviews say how they know all your information and a specific review from XXXX XXXX said " They will tell your personal info everything about you, but dont get fouled '' On XX/XX/2022, I disputed the claim through credit karma, but I still want to make sure I will get this removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/21 Im upset with this matter. I sent a letter regarding inaccurate and unknown things on my credit report to this day over 45 days later i still havent received a response yet. I did my research I know the credit bureaus have 30 days to replyby ignoring my disputes i took time to send them. Section 611 ( a ) states that failure to investogate these items within 30 days gives a reason to immediately remove promptly. Due to that law, I demand these accounts be deleted immediately or i will file a litigation do to the stress you cause me.