23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am currently try to clear up an account on my credit report that shows as a home improvement loan ( and it was not ) and is stopping me from aquiring an mortgage loan. I have asked the company on multiple calls to send me a letter stating they no longer hold the account and they refuse. On both conversations with a XXXX XXXX XXXX ( supervisor ) and XXXX they screamed at me on the phone and laughed and said they would not help.
Product: Checking or savings account

I am filling out a complaint with the CFPB regarding capital ones failure to Deposit my direct deposit From my state disability And any other incoming deposits. Capital one Has cited Technical issues, Which may violate The electronic transfer Act ( EFTA ) as it requires timely access to my funds. The situation rises concern about consumer protection laws, And I request your assistance In investigating this matter To ensure my rights are upheld. Thank you.
Product: Money transfer, virtual currency, or money service

XX/XX/year> {$150.00} Zelle did not help recover the money XX/XX/year> {$150.00} Zelle did not help recover the money
Product: Student loan

I received this email [ redacted for confidentiality ] : '' Dear XXXX x XXXX, Thank you for submitting your payment on XXXX/XXXX/XXXX. 

This email serves as confirmation of your payment. Please save for your records. 

Payment Confirmation # : [ xyxyxyxyxyx XXXX XXXX : {$1500.00} XXXX for : XXXX/XXXX/XXXX To view your payment status, log in to your account at Navient.com. 

We appreciate the opportunity to help you navigate the path to financial success. 

Sincerely, Navient Customer Service '' No payment was drawn from my bank account and the website offers no record of the payment being processed. I do not know why I received a confirmation email with no follow up when the company did not succesfully draw a payment. Navient should not confirm payments unless it actually completes the transaction.
Product: Credit card or prepaid card

I have been attempting to deal with Macy 's with regards to a late payment being reported on my credit report. This reporting is for the month of XX/XX/2019 and is not 100 % accurate. Therefore, I have been asking cordially that they remove this from my credit report. 

Two disputes with the credit bureaus have been filed and a written correspondence has been sent to Macy 's - and 2 phone calls have been placed to Macy 's. That's 5 separate attempts to have them correct an unjust error. They have yet to respond to my correspondence nor provide a conclusive evidence that this late payment is justified. 

I have informed them as a victim of bank fraud my accounts were temporarily frozen until it got sorted out, this caused a delay in the Macy 's payment. They are unwilling to look at the facts or provide a written justification for this late payment. I have impeccable credit history and Macy 's is ruining my ability to obtain favorable credit terms, causing sleepless nights, aggravation, stress, and inability to secure mortgage funding. Credit reporting has to be 100 % accurate and representative of a consumers ability to pay, and the late payment reporting does not accurately sum up the entire story of what happened. It simply reads I missed a payment when in fact, the payment was made but was compromised due to bank fraud that was happening to my account. Macy 's never notified me that the payment was past due, even though they had 30 days to do so before damaging my credit score.
Product: Payday loan, title loan, or personal loan

I was denied an extension of credit by DISCOVER BANK. On XX/XX/2022 I submitted a personal loan application through XXXX XXXX and was sent an Adverse Action notice from DISCOVER BANK on XX/XX/2022. The letter from DISCOVER BANK is proof and evidence that I have been discriminated against. DISCOVER BANK has violated my federally protected consumer rights.
Product: Credit reporting or other personal consumer reports

I value Credit Bureaus help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

I want to make this clear to Credit Bureaus that my Only Name is XXXX XXXX XXXX and my Home Address is XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, NC XXXX. 
The following Inaccurate Information listed below must be deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX, the following Items must be deleted : XXXX XXXX Balance : {$110.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year>
Product: Debt collection

To Whom It May Concern, After reviewing my credit file, I noticed an account was listed for {$36.00} with SCA Collections. Not only have I never been to this doctor, after speaking with SCA Collections, they had no interested in looking into the matter. I then sent them a certified letter stating that I was requesting a validation of this debt. In return, they sent me a letter stating their process and suggested that they have complied with the validation request by sending me a letter of their process. I have since called them back and demanded this debt be validated. I was then sent to a supervisor 's voicemail. I called back again and asked to be sent to the President of SCA Collection 's voicemail. I have yet to receive a call back after months of attempting to get this resolved with SCA and XXXX. As I have mentioned, I have never been to the doctor they have suggested and despite my attempts to validate the debt, they have refused to do so. In addition, after looking up SCA Collections with the South Carolina Secretary of State, I noticed their license was forfeited in South Carolina.
Product: Vehicle loan or lease

On XX/XX/XXXX I purchased a vehicle from one of XXXX XXXX XXXX XXXX XXXX XXXX ) dealerships in the state of Florida. The vehicle was financed with XXXX XXXX since it is considered their in house financing. The company based out of XXXX, TN closed their doors and shut down all operations on XX/XX/XXXX and issued no notice to its consumers about what will happen to the accounts, how we can make payments, and anything regarding warranty on the vehicles. Days had passed and still no notifications as to what is going on. I learned about the news through social media and stayed in touch with a group from around the nation that are in similar situations with vehicles from XXXX. I was advised that Westlake Portfolio Management might have my account since others were receiving emails and texts about the accounts being transferred over. I was never contacted by Westlake but I did my due diligence and contacted them to see if they had my account. They verified my account and advised me that they needed a few days to be able to have my contract uploaded which I understood. I've had multiple conversations with Westlake customer care and have been told lies or no answer at all with what is going on with the lease. My payment information was given to me incorrectly, I was told that warranty would not be covered but was told that it was, I was also told that the contract was not changing and therefore I did not need to receive an updated contract to sign, I was told to provide a copy of my contract so they can review it and any receipts of any issues I was getting fixed so they can see if they can reimburse me. I have been called due to non payment because I do not feel comfortable paying a company that doesn't even know what is going on or uphold their end of the contract like they are supposed to since they are supposedly taking over. The vehicle has always had issues since I first got it but was fixed when I brought it up to XXXX. I have not been given any explanation of what is going on and believe that Westlake is under a breach of contract. Line 39 of the contract states that any modifications will be provided to me in writing and will need to be signed by both parties. Nothing like that has happened. XXXX finally filled bankruptcy on XX/XX/XXXX but I have no idea what that means for me. I am scared to drive a vehicle that is not covered under their warranty and I am scared that the vehicle will just be picked up and affect my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I used to have a sears card ( citi bank ) and sears went XXXXWhen sears went out of buisness my sears card was transferred to " Shop Your Way '' which I never applied for, asked for etc., ..Also, I never had a option to opt in or out.After filing complaints to citi bank XXXX citi bank is saying that they made a buisness decission and there was no opt out option.According to CFPB, I have the right to opt out of newly changed terms which i never had that option.Citi bank ( Shop Your Way/SEARS ) closed my account with out any knowledge or paper work sent.Because of Citibank closing my account, it has caused a negative on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Account name : PNC BANK, N.A. Account # : XXXX. Delete PNC FOR REPORTING INACCURACIES. previously disputed account. During the investigation XXXX followed the rules and DELETED the account. XXXX and XXXX did not and are in current willful violation of my rights! XXXX and XXXX, did not complete the investigation in the allotted time of 30 days. I sent a dispute registered mail with return receipt to all three credit reporting agencies on XX/XX/XXXX. The credit reporting agencies did not do an adequate investigation within 30 days violating 15usc1681e ( b ) ; 15usc1681i ; 15usc1681c ; 15usc1681n ; 15usc1681a ( 3 ) it is now XX/XX/XXXX, and the dispute still has not been initiated nor finished NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL The attachment shows 36 different reasons why this account shouldve already been deleted over a year ago The account not being deleted over a year ago, proves I am owed monetary compensation for the violations of the fair credit reporting act
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX and transunion not showing or letting me see a free copy of my credit report
Product: Debt collection

On XX/XX/XXXX I received a call from a woman from an " unavailable '' number stating that she was trying to see if I would be home the following day so she could serve me a notice for a civil dispute. When I asked her what this was in regards to, she said she was unable to tell me any details as the notice was sealed and she could not open it, but that if I had any questions I could call the number ( XXXX ) XXXX with a case number that she provided. Upon calling this number I was connected to another woman named XXXX XXXX who claimed she was from a company called XXXX XXXX on behalf of XXXX XXXX and was responsible for determining whether or not I had maliciously attempted to not pay for an overdrawn but closed checking account opened in my name at Wells Fargo back in XX/XX/XXXX that had defaulted in XX/XX/XXXX. When I told her that I only had one checking account with Wells Fargo and that it was still open and in good standing, she said that this must be another account and that I would either have to pay to settle this immediately in the amount of $ 1300+ or I could be sent to court and have to pay a minimum of $ 4000+ dollars plus any legal fees incurred from this judgement. I again told her I had never opened such an account and hadn't been provided with any documentation of this debt, nor received any letter or communication from anyone attempting to collect said debt prior to today when I was informed I was being summoned to court for a pending civil judgement. She stated that she had documentation that I had been sent several letters and phone calls about this debt and that a response was never received. When I asked what contact information had been used, she stated incorrect contact information. I told her that the information was not correct and she again stated it didn't matter, that it was up to me to make sure my account was updated with my proper information. I stated again that I wasn't even aware there was a second checking account in my name, and that Wells Fargo indeed had my proper contact information since I currently have an account in good standing with them. She stated that Wells Fargo does not have the resources to contact me in this case and that I would either need to pay the voluntary restitution before the call ends or would be sent to court for the direct refusal to pay for this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX took more than 30 days.
Product: Checking or savings account

The reason I'm contacting you and others is because Citizens Bank ( citizensbank.com ) has left me no other outlet. Against U.S. Treasury Dept. regulations, Citizens bank opened two business accounts ( XX/XX/XXXX ) under one of my companies and seem to now have no record of my identity or connection to accounts in my business on file. I have made every attempt to gain access to my accounts & my funds to view full transaction history to understand what has transpired. After several call escalations ( XX/XX/XXXX ), a Citizens Business Accounts Supervisor validated my ownership through the XXXX XXXX XXXX  XXXX XXXX XXXX. They directed me to visit a Citizens branch with my ID, to verify identity and gain access to my accounts. I reached out in advance to the nearest branch manager ( XX/XX/XXXX ), scheduled a meeting on his calendar for the following week, and provided details of the situation for courtesy and efficiency. I also offered to provide any and all information necessary to make this as seamless as possible.

The branch manager responded with challenges meeting the request such as, short staff & taking days off. I suggested he hand me off to another local branch. He then sent a cryptic, non-professional response with no valid solutions. To make things worse, after I responded to notify him of my need to speak with someone who can actually solve an issue and fulfill my legal rights, I was ignored. The lack of customer experience, common courtesy or acknowledgement of my rights has placed me in the mindset of seething and provoked.

Citizens created the problem through failed federal regulation compliance protocols at the point of inception, had the opportunity to remedy, and instead chose to double-down these violations by pushing me out the door with one foot on my legal rights. Citizens truly had every opportunity to resolve this and now placing me, my family and my business at more risk. I need full and immediate access to my accounts.
Product: Vehicle loan or lease

It is unfair that you can't make a payment only towards to the principal especially when you're enrolled in auto pay. I spoke with a supervisor named XXXX and she stated that the only way I can have my payment to be applied to the principal is if I make a payment the same day my autopay is drafted. I feel that this company wants you to owe them forever. No one can explain things. Its horrible, I wish I can switch to another financial company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, and I am the natural person and consumer. There is no 3rd party involved in this complaint and I am submitting this complaint in good faith on my own behalf.

I have a 30 Day late payment reporting on XXXX XXXX  Account. This late payment is innacurate and unverifiable and it was recorded during the XXXX Pandemic. I need the late payment to be removed immediately from my consumer report.

According to 15 U.S. C 1681 all information on my credit report should be 100 % accurate no questions asked.

I am expecting a full investigation into this late payment and removal. 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX/XXXX  US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX/ XXXX XXXX/XXXX  XXXX XXXX   XXXX XXXX  XXXX XXXX , TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX/XXXX  US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX/ XXXX XXXX/XXXX  XXXX TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX/XXXX  US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX/ XXXX XXXX/XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Named XXXX XXXX {$2400.00} was disputed to Transunion and subsequently removed by Transunion between XX/XX/XXXX and XX/XX/XXXX, Then without notifying me Transunion placed the account back on my credit report between XX/XX/XXXX and XX/XX/XXXX This in violation of FCRA Part ( A ) ( 5 ) ( B ) ( ii ) Also the account seems to have been re-aged in Violation of FCRA Section 605 ( C ) Last neither the collection agency or Transunion have not validated the debt with and original signed & dated contract which would validate the debt. This in Violation of FDCPA Section 809 ( B ) FTC Opinion Letter CASS from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I need Comenity Capital, XXXX XXXX, XXXX XXXX Inquiries removed off my credit report, I do not recognize these inquiries nor did I authorize them. They have been removed from XXXX and XXXX already this month but not XXXX. I would like them removed immediately. I have sent letters to these companies and my next step is to file a lawsuit if they are not removed immediately.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.l received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
2. there is some inaccurate information reporting XXXXXXXX XXXX Account Number : XXXX Delete this account.
Product: Checking or savings account

I was a victim of identity theft approximately XXXX years ago ; as a result of this, fraudulent accounts were opened and fraudulent transactions were carried out, when I found out about the situation I began a process of repairing my credit with all the corresponding agencies among those EARLY WARNING SERVICES, which were informed of the situation and asked to block the information they are reporting on in my report. 

So far I have received help from all the agencies and credit bureaus, except for EARLY WARNING SERVICES. 

The information that this agency is reporting is incorrect and incomplete and is affecting my daily life and my ability to obtain financing and be able to buy a house for my family. 

I need help. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Amounts of {$2200.00} and {$350.00} were paid on XX/XX/XXXX to XXXX XXXX, Mechanics Bank. The total amount of {$2600.00} was applied to account number XXXX XXXX to pay the account in full. Account is still reflecting open with a balance of {$10000.00} on XXXX and XXXX. Last paid date on XXXX and XXXX show XX/XX/XXXX. 

I contact XXXX XXXX, Mechanics bank on XX/XX/XXXX to request a correction of the credit reporting and account status on XXXX and XXXX. Representative explained they would need a dispute and can be done by submitting CFPB Complaint.