23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX and as well as transunion are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX and transunion do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, and transunion ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against federal law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Debt collection

This company continues to charge a fee for what they list as a charge off, closed account or open account. Finally received some paper work and they say it 's from a rental agreement from breaking a lease 6 months early. The rental company is denying a lease broken. The amount once it 's disputed will increase a dollar or two every couple month. So my question how can they keep charging interests on account that they never started or I never sign a contract? The other problem is they keep returning on my credit report once it is removed. They make sure it is.
Product: Vehicle loan or lease

i have recently finance an used car. the dealer who finance for me did trough a bank called credit acceptance. 
this happend in may.

i've paying on time every single month, but last month when i tried to pay the banck shows the my account were close. 
i have been trying to contact the dealer for weeeks and he never picked the phone or either been there on the car dealer location. 
so now i can not keep paying my car, neither have my title. 
then i called the bank credit acceptance wich i was paying the car and they closed my account and they said they have nothing to do with that. 
but the lawyer that i have been talking said the responsible is the bank.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX {$17000.00} XXXX XXXX XXXX XXXX XXXXXXXX Owed : {$570.00} XXXX XXXX XXXX XXXX Balance Owed : {$210.00} XXXX XXXX XXXX XXXX Balance Owed : {$580.00} XXXX XXXX XXXX XXXX Owed : {$97.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Prepaid card

I am writing to file a formal complaint against Vanilla Visa and Incomm, outlining multiple instances where I believe consumer protection regulations have been violated, leading to a distressing and unsatisfactory experience. 

1. Dispute Cases : XXXX and XXXX On XX/XX/XXXX and XX/XX/XXXX, I initiated dispute cases with Vanilla Visa, addressing unauthorized charges on my account. Despite providing necessary documentation promptly and signing required forms, the handling of these disputes has been marred by a lack of transparency, unreasonable delays, and unprofessional behavior from Vanilla Visa representatives.

Regulations Violated : Regulation E ( 12 CFR 1005 ) : Electronic Fund Transfers Failure to promptly investigate and resolve reported errors or unauthorized transactions. 
2. Address Update Issues : On XX/XX/XXXX, I contacted XXXX to update my address from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  FL XXXX, to XXXX XXXX XXXX, XXXX XXXX, XXXX, FL, XXXX. Despite providing valid proof of the updated address, there appears to be confusion on the part of Vanilla Visa, as indicated in their email on XX/XX/XXXX.

Regulations Violated : Regulation E ( 12 CFR 1005 ) : Electronic Fund Transfers Failure to update account information promptly and accurately. 
3. Refund Status and Documentation Requests : On XX/XX/XXXX, I was informed that a check was sent out on XX/XX/2023. However, as of XX/XX/XXXX, I have not received the refund, and there have been repeated requests for additional documentation. 

Regulations Violated : Regulation E ( 12 CFR 1005 ) : Electronic Fund Transfers Failure to provide timely refunds for unauthorized transactions.

4. Unsatisfactory Customer Service : I have encountered unprofessional behavior from Vanilla Visa representatives, including being hung up on, given an attitude, and conflicting information about the status of my cases.

Regulations Violated : Unfair, deceptive, or abusive acts or practices ( UDAAP ) under the Dodd-Frank Wall Street Reform and Consumer Protection Act.

This entire experience has left me deeply dissatisfied, and I firmly believe that the outlined actions are in violation of established consumer protection regulations. Enclosed with this letter, please find the relevant supporting documentation.

I kindly request the Consumer Financial Protection Bureau 's intervention to facilitate a fair and timely resolution to these matters. Your assistance is crucial in ensuring that consumer rights are protected. 

Thank you for your attention to this matter. 

Sincerely,
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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX # XXXX Account Name : XXXX Account # XXXX. 
Account name : XXXX XXXX # XXXX Account name XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX  XXXX XXXX Account name : XXXX # XXXX Account name : XXXX XXXX & XXXX XXXX XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name XXXX XXXX XXXX  # XXXX Account XXXX : XXXX XXXX # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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: Checking or savings account

Over the past six months I have experienced a series of transaction reversals initiated by my bank which have had a profoundly negative impact on my financial stability. These reversals have affected my ability to meet essential financial obligations, specific financial obligations such as rent/mortgage payments, utility bills, etc. and have caused immense stress and inconvenience in my life.

I understand that transaction reversals may be necessary in cases of fraud or unauthorized transactions, and I appreciate the banks commitment to protecting its customers. However, in my situation, these reversals should not be happening because the company didnt have permission to charge my card. The company forged my signature on documentation. I have provided all documentation requested by my bank including a police report. I trusted this bank to protect my money instead they are making it easy for me to be a victim of fraud without securing my account.
Product: Credit reporting or other personal consumer reports

The fraudulent inquiry was applied to my credit file on XX/XX/XXXX by XXXX XXXX without my consent. The letter provided to me by XXXX XXXX on XX/XX/XXXX, requesting removal, was approved. However, it contained incorrect inquiry dates, and XXXX refused to remove the inquiry. Please refer to CFPB case # XXXX. Kindly issue a new letter to me with the correct information and promptly submit this removal request to XXXX Credit Bureau.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have XXXX XXXX days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

Thanks for your assistance. I was billed for a medical task that my insurance stated I am not responsible for. I called XXXX and spoke to them about this, and provided the documentation from my insurance company. This was ignored and I was billed and then reported for non-payment.
Product: Debt collection

LVNV KEEPS ATTEMPTING TO COLLECT A DEBT NOT OWED THIS DEBT BEGIN ALL THE WAY BACK IN XXXX AND LVNV IS STILL ATTEMPTING TO COLLECT THE DEBT BY WRITING ME AND PLACING THE DEBT ON MY CREDIT REPORT THAT STATUE OF LIMITATIONS IN MY STATE IS 3 YEARS, THIS DEBT COLLECTOR ALSO CLAIMS THAT MY DATE OF LAST ACTIVITY WAS XXXX XXXX DOLA IS BASED OFF WHEN THE ACCOUNT IS SOMEHOW CHANGED OR MOVED OR SOME ACTIVITY HAS TAKEN PLACE- BUT MOVEMENT HASN'T HAPPENED ON THIS ACCOUNT SINCE XXXX - FURTHERMORE WHY IS THE DATE OF LAST ACTIVITY ( DOLA ) DATED XXXX XXXX?? - DID LVNV PURCHASE THE ACCOUNT ON THIS DATE? 

-AND IF SO DID IT KNOW IT WAS PURCHASING A DEBT PAST STATUE OF LIMITATIONS? 

- WAS THE DEBT COLLECTOR NOT NOTIFIED BY THE ORIGINAL CREDITOR ( XXXX XXXX XXXX ) THAT THE DEBT WAS PAST STATUE OF LIMITATIONS??? 

- IF NOT DID THAT MEAN THE ORIGINAL CREDITOR SOLD THE DEBT COLLECTOR THIS INVALID DEBT ON PURPOSE??? 

-THIS ACCOUNT DOES NOT HAVE THE SAME DATE OF LAST ACTIVITY ACROSS ALL 3 BUREAUS THE DATES AREN'T EVEN IN THE SAME YEAR ***DATE OF LAST ACTIVITY ON XXXX  IS NOT ACCURATE HOW CAN THE DATE OF LAST ACTIVITY BE XX/XX/XXXX WHEN THE COLLECTION ACCOUNT WAS OPENED ON XX/XX/XXXX THIS IS NOT MAKING SENSE*** -DOES NOT NOT SHARE THE SAME DATES OF LATE ACTIVITY AS XXXX XXXX - WHICH ALSO HAS THE DATES OF LAST ACTIVITY IN 3 DIFFERENT DATES ( NON- COMPLAINT ) HOW IS THIS ACCOUNT ACCURATE COMPLAINT OR ETHICAL, THIS ACCOUNT OBVIOUSLY VIOLATES METRO 2 COMPLIANCE STANDARD WHICH IS A STANDARD HELD BY EVERY DATA FURNISHER AND A STANDARD THAT MUST BE COMPLIED WITH
Product: Credit card or prepaid card

I received my Barclay 's XXXX XXXX XXXX on XX/XX/XXXX. As stated in the signup bonus for the credit card, upon spending {$2000.00} in the first XXXX days, I would receive XXXX AA points and a {$95.00} statement credit. I met this spending requirement and I have received my points bonus, however I have not been given my {$95.00} statement credit. 

I contacted Barclay 's on XX/XX/XXXX asking them when I would see this credit ( message attached in " Barclays XXXX '' ). At this point they replied and stated I would see the credit appear at the close of the billing statement. This billing statement passed, and I did not receive my statement credit. 

I sent my second message to Barclays on XX/XX/XXXX ( message attached in " Barclays XXXX '' ). Once again I asked where my statement credit is. This time however, they replied that now I apparently never had the {$95.00} statement credit offer attached to my account. They said this despite me signing up with this offer ( see attached " Barclays offer '' ), and also previously answering my email and stating that I will see the statement credit at the end of the billing statement. 

As of XX/XX/XXXX, I am yet to receive my {$95.00} statement credit, despite being told I would have it by now. They owe me this credit.
Product: Credit reporting or other personal consumer reports

I've tried having each of the 14 inquiries from Trans Union removed since they are fraudulent and inaccurate. Per FCRA 15 U.S. Code 1681n, these are violations that entitle me to compensation
Product: Checking or savings account

I deposited a {$15000.00} cashier check drawn off XXXX XXXX XXXX XXXX XXXX in the ATM of Mountain America Credit Union on XX/XX/XXXX. Upon deposit {$1500.00} was released immediately. The remainder of the funds were released at midnight on XX/XX/XXXX. I used some of the released funds and in addition my paycheck was electronically deposited on XX/XX/XXXX. At approximately XXXX Mountain America fraud department called to inform me they put a new hold on my funds. They said this was due to a lot of fraud and they felt the check looked suspicious. I expressed to them in multiple phone calls to multiple representatives that they now have taken all my funds including my paycheck and have left me with no money. I am an over the road truck driver and am stranded now with no access to money. With the new hold of the entire check my account is now overdrawn by {$7800.00}. Due to the fact that I had already paid bills with the released funds. Theses funds should have been easy to verify as it is a Bank Cashier Check. They have had 4 business days to verify this check. They will not give me a date for release, but said it's could take as long as XX/XX/XXXX. That would be a total of 11 business days after deposit. This is excessive to verify a Bank issued cashiers check, and well outside thier normal release policy.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I received an email alert informing me of a suspicious account through Barclays. I logged into my credit monitoring service and found that a new Barclays/Banana Republic credit card was applied for on XX/XX/year>. I have not applied for any Banana Republic credit cards so this was concerning. I Immediately called Barclays and they told me they would not be able to give me any information about the account but mentioned it was opened somewhere in XXXX but would not say where in XXXX it originated until 24-hours passed. Afterwards, I froze my credit at all agencies. Today, I logged back in and XXXX notified me of a {$990.00} balance on that fraudulent Banana Republic credit card account. I called Barclays again and they would not provide a case number or where it originated in Florida again. Today, the first representative I spoke with said they would close the account as it is fraudulent and I did not open the account. I asked them to email me confirmation of account closure so that I could submit to XXXX and after initially saying they would send an email, they retracted that statement and said they can not send me a confirmation email. Now, XXXX, I attempted to call Banana Republic customer service to provide notice and was routed to Barclays. After speaking to a new customer representative, they notified me that the account I called about earlier in the day was not closed and a brand new account was opened without my authorization by the previous Barclays representative. Per the most recent representative, I now have two fraudulent accounts opened : one through banana republic somewhere in Florida and another one opened by Barclays without my authorization. They said they can close the first one due to fraud but I would have to call post-24-hours of the new one opened by Barclays to close this new account opened without my permission. I requested to speak to a manager/supervisor and none were available and was told conflicting information regarding the new account opened without my authorization by Barclay 's . While I did not receive a case number, I was given representative ID # 's XXXX and XXXX. Given the multiple mistakes across multiple levels, I remain concerned regarding their credit verification process and duplication of accounts without permission. I have submitted a report to FTC and a credit dispute through XXXX. I just moved to XXXX, XXXX, from XXXX, XXXX, so this is concerning and transparency by Barclay 's is not available with written documentation.
Product: Mortgage

I attempted to close my escrow account with the company this Summer.  They informed me that I had to wait for 1 year after closing to close my escrow account. I had made all of my mortgage payments to date on time and in full and owned more than 20 % of my home. That was not a term or condition in my deed of trust or any other document in my closing package. My loan was not originated by Wells Fargo when my loan was sold to Wells Fargo, they company you enforced a policy that they did n't inform me of and that I did n't agree to. That seems like a deceptive business practice to me. Wells Fargo kept my money only so they could collect the interest on my escrow account. I feel that this practice can cause harm to consumers. In my particular situation I had to wait until XXXX to close my account and now their internal process will take a number of weeks to issue my escrow refund. At this point I will likely need to take money out of pocket to pay my property taxes as the refund will not be issued. Wells Fargo forced me to comply with a policy that was n't documented or agreed to in my loan contract. I contacted the bank a number of times to seek correction but to no avail. As a result I had to remember to call them on the anniversary of my loan origination to request my money to be returned to me. In my opinion, this should be added to the list of the many things that Wells Fargo is doing that are not in the best interests of their consumers. Yet another deceptive practice used by them to build revenue off their consumers without their consent.
Product: Credit card or prepaid card

I have purchased a service on XX/XX/XXXX ( XXXX  ) at XXXX called XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  for XXXX ; Multiple Days Available, selecting one of the available dates : XX/XX/XXXX ( XXXX  ) at XXXX. 

After my order was placed, it became pending status. After a few minutes, my order status became refund. Then the screen started showing that I have only a partial refund. 

I immediately contacted XXXX customer service. They said my order was rejected due to inventory shortage ( but their website was not updated accordingly ). They said they can not give me a full refund, even though it is their fault not to update the website and they are the one who cancelled my order immediately. 

Its a fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # 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.
Product: Debt collection

Subject : Second Request for Debt Validation Account # XXXX  Dear Credence Resource Management, I am writing to follow up on my original request for debt validation, sent on [ Date of Original Letter ], regarding the collection account referenced above. As of this date, I have not received adequate validation of this debt as required under FDCPA 1692g. 

Credence Resource Management has failed to respond adequately or provide validation. Under FDCPA, a debt collector must cease collection efforts, including reporting to credit bureaus, until the debt is validated. Their continued reporting to XXXX  violates my rights under FDCPA and FCRA.
Product: Checking or savings account

I was contacted by BB & T VIA mail that I had a account balance of {$50.00} in the supposed account. I then went to the Local BB & T Branch where I live in XXXX South Carolina. Upon arrival I inquired about the account and the bank teller said that it was fraudulently opened online and she asked me to provide her with my social security number. She then cross-referenced the information on the computer and realized that the individual that did this had indeed my true social security number and that's how they opened the account.