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

We never got any notification from WFB that payroll deposit were available during the pandemic of XX/XX/2020 and XX/XX/2020 my wife and myself were out of work. We found out about this issue, when my wife, got a notification from The Nevada unemployment division that she was over payed for the amount of {$13.00}, XXXX dollars. It is a huge issue for us, at this time, when we are in out retirement age. We filed a complaint with WFB, but they are saying that we go the money out, which we did not, I took money the was from my SS payments, and nothing else. Perhaps my account was hacked, by someone with access to our information, those individuals, are to very smarts and seems that everything is going towards us, as showing that we got out the money, As today XXXX/XXXX/XXXX, got a phone call from WFB  asking to verify our address, because WFB  wants to send us a check for {$120.00} dollars, seems to us that it wants to settle this disputed with this insulting amount, the offer was declined. Also I was told that the bank kept information not more than 60 days in their systems, our account was converted to different account, because we did no have DD, which we did with this deposit and my Social Security check.
Product: Credit card

In XXXX I opened a XXXX credit card account with Capital One under the condition that I will not be personally responsible for that credit card in any way. In XXXX, Capital One decided to report their small XXXX accounts to the consumer credit reporting agencies in violation of our agreement a year earlier. I have requested several times that they remove any reporting that has been made on my personal credit, but they continually keep reporting it. I have requested several times from Capital One to provide me with documentation showing that I authorized myself to be obligated to pay for the XXXX credit card or personally guarantee it, They have refused to send me any documentation. I would like to resolve this issue and request that you investigate this matter. I can send you documentation supporting my position.
Product: Credit reporting or other personal consumer reports

I spent time calling and writing to Equifax and researching the data breach which caused emotional distress. 

Equifax had a data breach which means everything on my consumer credit report was breached. Please remove these items from my report.
Product: Credit reporting or other personal consumer reports

TRANUNION REFUSED. TO HONORS DECISION AFTER RUNNING DISPUTES LAST LONGER XXXX. TRAUNION CREDIT REPORTS COMPANY STATED THEY. DONOT HAVE ANYTHING TO DO WITH COMPANIES tHAT REPORT On YOUR CREDIT REPORTS THAT FALSE. TRANSUNION EMPLOYEES ENCOURAGE THES COMPANIES TO REPORT DUE TO KEEP THEM JOB I HAD RECENTLY HAD COMPANYS TO AGREE DUE.MONTERY. WRITE. OFF THEN SHORTLY CHANGE THERE MIND REQUEST ADDITIONAL. iNFORM. .RECENTLY l COMPANIES DISPUTE. THEN AGREE TO DELETE OUT NO WERE THESE COMPANIES CHANGE DECISION. TO.have. THESES REPLACED .BACK, ON MY CREDIT. REPORT What " purpose for disputing credit report? What is there reason fraud Alert. When transition not following RULES GUIDELINES AS CONSUMERS l FEEL my righs. been violated. .HARD to retrieve credit. THIS DONE Purposely TRANSUNION. RECENTLY OUT no we're place a statement without my permission, wrote up REGARDING. NOT. TO PROVIDE CREDIT. WITHOUT ALERTING. XXXX l didn't give permission. Write that statement. this has went to far turned into legal. Matter. Iwish it didn't have to go this far. Due to credit. Which had affected my entire life.
Product: Credit reporting or other personal consumer reports

I am writing to address a significant discrepancy regarding the reporting of a debt on my credit report. After reviewing the information provided by XXXX XXXX, it has come to my attention that the account in question, which was listed as opened on XXXX XXXX on XXXX. But on TransUnion and XXXX credit report its listed open on XX/XX/XXXX. However this account was originally opened XX/XX/XXXX. Furthermore, the original last payment received for this account was on XX/XX/XXXX. With XXXX its listed account was closed XX/XX/XXXX. TransUnion date od closer is on XX/XX/XXXX. XXXX on XX/XX/XXXX This discrepancy suggests that the debt has been inaccurately re-aged. 

As per the Fair Credit Reporting Act ( FCRA ) U.S. Codes, it is essential that information reported on a consumer 's credit report is accurate and reflects the true history of the account. Sections 1681s-2 and 1681c of the FCRA outline the responsibilities of furnishers of information and prohibit the reporting of outdated or inaccurate information, including the re-aging of debts. 

Section 600.5807 of the Michigan Compiled Laws outlines the statute of limitations for various types of debt in Michigan. Here 's a breakdown : XXXX. **Contractual Debts** : For debts based on a written contract or agreement, such as loans or credit card debt, the statute of limitations is generally 6 years from the date the cause of action accrues. The cause of action accrues typically from the date of the last payment made on the account or the date of default, whichever is later. 

XXXX. **Open Accounts/Unwritten Contracts** : This section covers debts without a written contract, such as credit card debts where there's no signed agreement. The statute of limitations for these debts is also 6 years from the date of last payment or default.
Product: Credit reporting or other personal consumer reports

initially disclosed. Fact, affiant is aware, and has proof, Exhibit D, CREDIT ACCEPTANCE CORPORATION knowingly and willfully violated 15 U.S. Code 6802 ( b ) ( 1 ) ( C ) by not providing me with an explanation of how to exercise my nondisclosure option. Fact, affiant is aware, and has proof, Exhibit M, CREDIT ACCEPTANCE CORPORATION knowingly and willfully committed a crime by violating 18 U.S. Code 1001 ( a ) ( 2 ) by stating they can share information regarding my consumer credit transaction to consumer reporting agencies. Fact, affiant is aware, and has proof, Exhibit G and H, CREDIT ACCEPTANCE CORPORATION knowingly and willfully committed a crime by violating 18 U.S. Code 1001 ( a ) ( 3 ) by providing information to financial institutions such as XXXX, XXXX and XXXX that contains false, fictitious and fraudulent statements or representations. Fact, affiant is aware that, CREDIT ACCEPTANCE CORPORATION has at least 20 violations of title 15 U.S. Code 1692. Fact, pursuant to 15 U.S. Code 1692k ( a ) ( 2 ) ( A ) affiant 's additional damages are {$1000.00} USD for each false and misleading statement and {$1000.00} USD per word written in fraudulent/abusive language Fact, affiant is aware that CREDIT ACCEPTANCE CORPORATION has violated 20 different statutes under title containing over 120 fraudulent/abusive LANGUAGE & STATEMENTS 15 U.S. Code 1692 totaling the damages for all violations at {$120000.00}
Product: Credit reporting or other personal consumer reports

Inaccurate mailing address and home telephone number are on my credit report. 

Please correct my home telephone number on my report to reflect the new number : XXXX Please remove the following address from my credit report : XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Debt collection

this debt was in my business name it was not a consumer debt. But they put it on my consumer credit report. I was told that once collection was paid they would delete it. They lied. Under 15 USC 1692 FDCPA it is illegal for a debt collector to lie to a consumer.
Product: Mortgage

loan # XXXX we began a process with quicken loans XX/XX/2015. seller paying closing cost and appraisal cost.. gave a {$400.00} deposit for good faith estimate. was to come off the down payment at closing. it would only be lost if we ourselves backed out ... many problems and XXXX times cancelling closing dates,, the seller backing out.. asked for the GFE deposit to be returned and was informed NOT HAPPENING! spoke with exec. office ... XXXX XXXX XXXX stated NO MONIES WILL BE RETURNED, also we 're lucky we do n't get a bill,, claims it cost {$550.00}. not true {$300.00}. seller paid and it was known to be that ... QL literally lied to us, they referred it as,, we were misinformed. have documents and correspondents to proof their total INCOPENTENCE! we did not stop or create the XXXX we 've been placed through.. our entire summer given to QL and now they want us to give them {$400.00} for the ride. from XX/XX/2015 THRU XX/XX/2015
Product: Checking or savings account

I did a mobile deposit for {$5000.00} cahier check on or about XXXX from my father. From that time TD Bank put my account on hold. I wasn't able to get any of my money from that account. I went several time to the bank and all they was saying the the check wasn't verify and something about fraud Then the manger stated that the check was verity. I still didn't hear anything on this situation. It's been about 2 months now.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX # XXXX - BALANCE {$2200.00} Account Name : XXXX XXXX XXXX # XXXX - BALANCE {$150.00} Account Name : XXXXXXXX XXXX XXXXXXXX # XXXX - BALANCE {$720.00} Account Name : XXXX XXXX # XXXX - BALANCE {$200.00} Account Name : XXXX  XXXX # XXXX Account Name : XXXX  XXXX # XXXX - XXXX {$77.00} Account Name : XXXX XXXX XXXX # XXXX - BALANCE {$280.00} Unauthorized inquiries XXXX  XX/XX/year>
Product: Debt collection

I got a gym membership in XXXX of XXXX and stopped going the same year. I continued to get charged for the membership until XXXX when my debit card expired. I further recieved an email in XXXX of XXXX saying my account was going to be sent to collections to which I called the gym. They notified me that I was behind 3 months and owed around {$230.00} because of late fees. I explained my situation to the manager as I had not been to the gym in 3 years. They waved the late fees and I paid a total of around {$150.00} and some change for the 3 months I was behind as well as I cancelled the membership, this again took place in XXXX of XXXX. I continued to follow-up with the gym via phone as I sent a cancelation letter via XXXX until XXXX recieved the letter. They further let me know the letter was recieved and my membership was cancelled and I would not continue to get charged for it. I further recieved an email in XXXX of XXXX stating I missed a payment. I called the gym and the XXXX XXXX billing company ( ABC Fitness Solutions ) which the gym notified me that my membership was cancelled and I did not have a balance and this may be a glitch as the email also did not show a balance and rather a cancelation date. The billing companies automated system also stated I owed {$0.00}. 

In XXXX of XXXX my credit dropped around XXXX points to which it showed I had an account in collections. I called the collections company, XXXX XXXX XXXX, that stated the debt was from Anytime Fitness XXXX. I further called the gym which were able to send me documents ( that I didn't recieve prior ) showing my cancelation date being XXXX of XXXX as well as the cancelation letter I sent via USPS. The gym however stated they could not provide me with any further documentation as my account was in collections and it would not allow them to view my account to retrieve documentation such as my signed agreement or payment history. 

I further called the billing company, ABC Fitness Solution, who on multiple occasions said they would email the documentation requested to me but have failed to do so. When following up, they stated they were not allowed to send the documentation and whoever I talked to prior misinformed me. I was able to talk to someone else who stated they would email the documentation to me but have still failed to do so. 

I did further ask the billing company if I paid the account in collections if my membership would stay inactive and all my debts would be paid. They stated when I pay the collection agency that they will reactivate my membership and start to charge me monthly again until I attempt to cancel it and pay again to cancel the membership. 

I do have documentation of the payments I've made as well as the cancelation paperwork and the letter I sent to the gym in XXXX of XXXX.
Product: Checking or savings account

I had my debit card stolen and fraudulent activity took place on XXXX XXXX 2017 call to report several unauthorized charges. Bank started a claim for these charges but did not tell me they would file old charges that were 60 days over time allowed. Provisional credit of XXXX and XXXX was put in my checking acct. A week later the XXXX credit was reversed leaving my act. a negative balance of XXXX. I do n't agree with this because i got no letters warning me of this and after contacting the bank the claims department states there working on getting this XXXX back from the merchant which will take 45 to 90 days if the merchant settles in the main time Iam left with a negative account.
Product: Debt collection

I am filing a complaint against NCB Management Services, who is reporting a debt on my credit report for an account originally held with XXXX XXXX XXXX XXXX The account, listed under the name XXXX XXXX XXXX XXXX, is being reported by NCB Management Services as a debt buyer 's account with a balance of {$15000.00}. The account was opened on XX/XX/XXXX, and the date of first delinquency is recorded as XX/XX/XXXX. However, the issue with this account is that I have never received written notice from NCB Management Services regarding the acquisition of this debt.

Under the Fair Debt Collection Practices Act ( FDCPA ), once a debt is purchased by a third-party debt collector ( such as NCB Management Services ), they are required to send a written notification to the consumer within XXXX days of acquiring the debt. This notification must inform the consumer of the amount of the debt, the name of the original creditor, and the right to dispute the debt. 

To date, I have not received any written notification from NCB Management Services regarding their acquisition of this debt. I have checked my records, and I did not receive this notification within the XXXX timeframe stipulated by law. This is a direct violation of the FDCPA, specifically 1692g ( a ), which mandates that debt collectors send this written notice. 

In addition to this violation, the fact that this debt is being reported on my credit report without proper notification and validation raises concerns about the accuracy of the reporting and NCBs compliance with consumer protection laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized credit inquiry on my credit reports on XXXX XXXX 2022 2022
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681 XXXX bank # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX # XXXX, has violated my rights, kikoff # XXXX  has violated my rights XXXX XXXX # XXXX has violated my rights XXXX XXXX # XXXX has violated my rights 15 usc 1681 section 602 states i have the right to privacy.

15 usc 1681 section 604 ( a ) ( 2 ) it also states a consumer reporting agency can not furnish a account with my written instructions.

15 usc 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit card or prepaid card

I wanted to add card to XXXXXXXX XXXX I called FORTIVA because mobile wallet requires a verification code from FORTIVA approval. I was refused. I was harassed. I was lied to. I have added to my sons phone x XXXX including Aspire same card business. No issues. I have called prior and received a verification code immediately Aspire. Same process from XXXX XXXX  provided a text to call FORTIVA but FORTIVA is only argumentive. I was per FORTIVA to contact XXXX for help and insisted per FORTIVA they would help with adding their card to XXXX XXXX Next day today XXXX I tried to make a payment. I was blocked and forced to call FORTIVA to resolve. A fraud number. No fraud on my account to block. They wanted my ID and a bill to ensure me when they were non professional conduct and sounded foreign as if angry towards American citizens on actions towards them. I have had a card for 1 year and already provided verification documents. I was verified by some customer service but not all verbally verified me for phone support. I mentioned the U.S. government does hold a jurisdiction over bad unethical business practices and got hung up on the 2nd customer service. I made them aware if any fraud it is them. I can not get a verification code from them to approve XXXX XXXX use as I have done x XXXX and being denied any support service to resolve. I rely on this card for use under them and am being treated unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

ENHANCED RECOVERY COMPAN XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX =======  Enhanced Recovery Compan Opened XX/XX/2019 - {$890.00} Original creditor : XXXX XXXX Overview You've paid off 0 % of your collection amount. 

Balance {$890.00} Highest Balance {$890.00} Opened XX/XX/2019 ( 8 mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX ======= The date of XX/XX/2019 is absolutely absurd! This was already settled wit XXXX!!! XXXX had lied and the promises made/ statements made were false and misleading. 

I owe XXXX XXXX!!! 

If they were TRULY owed money we would already be in court. If this keeps up showing on the report as an amount due I WILL take legal action, against both the collection company as well as XXXX. I will subpoena recordings of the promises made ( XXXX records all calls ) and present bank statements to show what they lied about!! 

Thank you. 

========= My mailing address is NOT XXXX XXXX   XXXX  as the PO does NOT deliver to my street.

My USPS address is XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SC XXXX. 

XXXX XXXX is a remote address. We JUST got electricity about a year ago!!!
Product: Checking or savings account

I want to get my money back from cash app and XXXX since this person XXXX XXXX from XXXX XXXX  scammed me in sending money to false accounts!!!!! He took about {$1100.00} from right so I had to close my bank account and open up a new one!!!!
Product: Credit reporting 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. 

Account Name : XXXX XXXX XXXX Account : Account Number : XXXX Account Name : XXXX XXXX XXXX Account : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 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

I have been calling into Experian credit bureau to update my phone number due to changing the phone number a year ago. I have also expressed to Experian credit bureau that the number that is listed on the account has not been active for one whole year. They then told me that I have to wait 90 days because I had an easy money digital account. The money digital account is closed as of today. Now they are now telling me that I have to wait 95 more days to update the phone number on the account, which is denying me access to my credit report that I actually pay for XXXX to be exact. Every month they take their XXXX but Im still not able to access my credit report this here is some type of violation of my consumer rights. I have requested to speak with supervisors. I have tried to have the situation escalated and I have already waited. 90+ days to close the easy money digital account now I have to wait another 95 more days to update my phone number, and this was not explained to me after being told about waiting 90days to close the easy money digital account. This situation has caused me so much distress in trying to get a new car and or credit cards
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second attempt sincethey have failed to respond to my previous disputes, and remove innaccuracies. This company is in direct violation of the FCRA and my consumer rights. I will be seeking monetary damages for willfull noncompliance and negligence if this matter isn't resolved immediately. 

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  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, credit repair services, or other personal consumer reports

I have reached out several times to have this issue corrected and I have never received a response back. I was out of work due to XXXX and had a loss of income and missed a payment. Before XXXX I had a stellar payment history and never missed a payment, also all my deductions going forward are on auto-draft to avoid any late payments. XXXX XXXX is in clear violation of this matter due to the CARES ACT.