23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XXXX XXXX and XX/XX/2019 this debt was disputed through XXXX, XXXX, and XXXX. The company was also mailed a written letter asking to vaildate the debt with proper documentation and proof. Instead, the company continue to report the debt as unpaid to the credit bureaus. I received a credit card statement from this company in XX/XX/2019 which does not constitute as proper documentation that I owe this debt. The company has failed to provide me accurate proof. Instead I was sent some bogus charges on a piece of paper that was not accurate. I will continue to dispute this debt until the company can provide me the proper documentation required by law. They continue to report this debt to my reports causing serious damage without attempting to collect this debt in writing or by phone prior to reporting.
Product: Student loan

Fell behind on my student loan payments and have not been able to catch up due to other living expenses.
Product: Credit reporting or other personal consumer reports

The information on my auto loan is inaccurate after I did my own investigation the payment dates from each credit bureau are different I would like late payment removed please
Product: Debt collection

I had an account with XXXX XXXX XXXX as part of my business in XXXX, XXXX  through XX/XX/XXXX. When I sold the business and left the city in XX/XX/XXXX, I returned the equipment and closed the account thinking I was in good standing. Unbeknownst to me, XXXX XXXX XXXX continued billing me apparently for months and I was given no notification in order to be able to sort it out with them ( I had moved back to XXXX, XXXX  ). 

Fast forward to XX/XX/XXXX, I get a notification that there's a collections on my credit file from Sequim Asset Solutions for {$180.00} related to that account. I called XXXX XXXX XXXX and spent over 6 hours talking through it with them - they agreed verbally that it was likely a system mistake but since it had gone to collections, it was out of their hands. I called Sequim and they said it wasn't in their hands but rather, it was up to XXXX XXXX XXXX to pull the record. 

I'm a person that had over an XXXX credit score and now this company has ruined my credit - it dropped over 60 points. I have no recourse and I feel helpless because I've worked very hard for the score I have. Just when I'm thinking to buy a home, XXXX XXXX XXXX falsely puts a collections on my account for a debt they agree I don't owe. I really need help fighting this corrupt company - it's not fair. I've never missed a single payment for even thousands of dollars EVER and now I have a derogatory mark on my credit.
Product: Credit card

Ive had a Discover card for several years, they arbitrarily decided to close my account with a XXXX balance account without notifying me. I do not have ant negative creidt reporting as I was sitting at an XXXX credit score.. When they closed my account it caused a drop in my credit score while trying purchase a home.
Product: Credit reporting

While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX XXXX on or about XX/XX/XXXX on Experian. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XXXX in case it is needed to locate the fraudulent inquiry in their system.
Product: Checking or savings account

i tried to deposit {$100.00} cash into my son 's bank of america account by going to a branch. 
i was told they would not accept cash because i did not personally have an account there. 
since when is cash not a viable option for our banking system to accept cash into account held at their bank. 
i have read that XXXX bank is also not allowing this. 

This seems like something that should not be allowed. The banks are in the best position to handle cash. The banks are in the best position to determine if the cash is real or not. 
If banks are allowed to set up business in the XXXX, they should be required to handle basic things like adding cash to a family member 's account.
Product: Credit reporting or other personal consumer reports

Something's wrong with the experience system and when I try to set up an account online on their website it says that I can set up account and said that I already have an account which I didn't and don't so what I did was I went to forgot password and and it tells me that the information is not in your system which doesn't make sense cuz it just told me that I had an account so I have not been able to get my credit report from Experian but when I go to the free annual credit report I'm able to get my experience credit report from there so I don't know what's the problem and why it's not allow me to get it from their website or allow me to set up an account I also want to update experience records with my new phone number so I attached a phone bill for my XXXX  phone bill with my new number and address for verification so they can update that information in my credit profile
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report under a hard inquiry is a word ... its XXXX and nothing else. When instructed to contact the creditor, underneath says Capital one auto finance, says the inquiry was made XX/XX/XXXX and THATS absolutely false. I was also notified that XXXX had a massive leak of information and that my password was involved.. theres been two data breaches where my information has been involved. I dont know how this inquiry happened but I didnt make it and its gon na stay on my credit report until XXXX of XXXX so Id really like it taken off..
Product: Debt collection

I was denied credit due to a collection account that appeared on my credit. I saw that it was NCB MANAGEMENT SERVICES. They never sent me a notification or anything they just put it on my credit. I sent them a dispute and a request for validation of the account. I never owed anyone XXXX They also re aged the account as well. This has been going on for 95 days and NCB refuse to answer me. They continue to report this inaccurate unverifiable information on my credit.
Product: Debt collection

XX/XX/year> I had an account with XXXX XXXXXXXX XXXX and they transferred the debt to this collection company National Capital Services/ Structured Settlement for {$2000.00}. I received a text message " Your past due account has been red flagged to be reviewed by our legal network. To resolve voluntarily on your own behalf and avoid further action of possible fraudulent activity call us at XXXX Send STOP to opt. '' XXXX. I spoke with original collector and he attempted to workout an arrangement for the balance of XXXX but he said his manager has better options. 
2. I spoke with the manager and offer {$1200.00} for 3 months and the manager counteroffered for {$1500.00}, Which I did accept. 
XXXX. I was transferred to XXXX the payment processing rep and she informed me that she will have to charge me XXXX for each payment by phone. When I asked why? She became defensive and started yelling at me as a customer .My concern is this matter could have been resolved if she was XXXX wiling to waive the processing him. Then she told me that she doesn't accept check payments because of the return fees to her company. Which that has nothing to to with me. I would like to send an CEASE and DESIST notification to this company. Also, I want a settlement amount of XXXX based on this poor customer service experience and feeling like I'm a criminal. I also informed them to Cease and Desist any communication over the phone.
Product: Vehicle loan or lease

I bought a used XXXX XXXX XXXX XXXX at XXXX XXXX XXXX, California on XX/XX/XXXX. According to the salesman, he said I got approved by XXXX XXXX  for my auto loan. According to the contract, I financed {$50000.00} with the monthly payment of {$900.00} starting on XX/XX/XXXX. Today, XX/XX/XXXX, a lady called me and said she is the director of the Finance Department from XXXX XXXX XXXX. She demanded a check of {$55000.00} to pay off the car I just bought, which I was fully surprised about. I asked her what was happening, and she said she saw the note that I will bring a check of {$55000.00} to the dealer. I was confused about the information she just said and did not understand what was going on. I mentioned to her about XXXX, who works at XXXX XXXX XXXX finance department and also worked with me to finish the documents the day I bought the car. About 3 hours after the conversation with the director of the Finance Department, XXXX XXXX XXXX. I received a notification that someone just ran my credit report. There were 2 credit reports under Ally Financial on my record today. I called XXXX XXXX XXXX, talked to XXXX. and asked her what was happening. She said there were some mistakes on how they process the documents. I was upset and asked why they ran my credit again without my permission. She couldn't answer my question. I also questioned her about why I got my auto loan from XXXX, but the dealer ran my credit report again today. She said will get back to me when she has a chance to talk with the director. I told her I will file a complaint to the Consumer Financial Protection Bureau about this matter. I have the proof as the voicemail from XXXX XXXX XXXX as well as the contract I signed.
Product: Checking or savings account

An unauthorized checking account was opened in my name with Bank of America without my permission or consent. I called the bank fraud department and even spoke with a fraud supervisor theyre unable to solve the issue. Im still receiving email regarding that and now received a bank statement in the mail. This is really frustrating and scary and shameful and fishy that Bank of America is unable to resolve this issue.
Product: Credit reporting, credit repair services, 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 1681XXXX 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 or other personal consumer reports

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

Account NumbeXXXX XXXX XXXX XXXX XXXX XXXX -BALANCE {$610.00} -Date Opened XX/XX/XXXX Account Number : XXXX XXXX XXXX - BALANCE XXXX XXXXXXXXDate Opened XX/XX/XXXX Unauthorized Inquiries 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: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen and her name and personal information was added to my credit report. I have sent certified letters with my drivers license, social security card, police report, notarized letters proving the information was wrong and Experian still has not taken her information off of my report and the credit inquiries made by her applying for credit cards. 

Take off XXXX XXXX XXXX and any name associated with XXXX ( XXXX, XXXX, XXXX, XXXX ) Any inquiries from XX/XX/2016 XX/XX/2016
Product: Checking or savings account

Without my permission or knowledge, I was erroneously credited with an approximately {$500.00} dollar " overdraft protection. '' Later, this amount was deducted from my account, causing an overdraft that jeopardized litigation I am currently pursuing in federal court. This deduction was also made without my knowledge or permission. I contacted the bank by phone on XX/XX/XXXX, and spoke to six different people over the course of an hour. No person I spoke with could point to any document I signed or any agreement I made at any point authorizing either this credit or this debit from my account. I instructed the bank to close my accounts, but was told that they could not do so with a negative outstanding balance ( even though that negative balance was due to an unauthorized debit by the bank itself ). I then informed the bank that it was no longer authorized to conduct any business in my name, that my business relationship with it was terminated as of today, and that any further account activity would be reported to the police. The bank has been unable to prove that it has legal title to the funds that it deducted from my account without my knowledge or authorization. I therefore consider these funds stolen, and am following up with local law enforcement.
Product: Credit reporting, credit repair services, or other personal consumer reports

sent a letter out on XX/XX/2023 to XXXX, transunion, and XXXX. Here is my tracking numbers : XXXX, XXXX, XXXX. However its been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense.

According to the law 15 U.S. Code 1681 - Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S| Code 1681e ( b ) and 15 U.S. Code 16811 ( 5 ) these accounts are in violation of not reporting 100 % accurate. 
Accounts are XXXXXXXX XXXX account number XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

CHASE AUTO BANK HAS BEEN OVERCHARGING ME IN LATE FEES AND HAS A NUMBER OF MISSING PAYMENTS THAT SHOULD HAVE BEEN CREDITED TO MY ACCOUNT BY NOW. CHASE BANK INCORRECT PLACEMENT OF MY PAYMENTS HAS CAUSED ME TO BE REPORTED LATE TO THE CREDIT AGENCY SEVERAL TIMES. CHASE 'S MISPLACEMENT OF PAYMENTS IS NOW IMPACTING MY LIVELIHOOD AND CAUSING ME TO BE MAJOR DEPRESSED. I have contacted chase several times about the double payments that I make in advance to get rid of the late fees and interest on the loan but chase will find any reason to apply for two payments as one payment even though I advise them of my purpose. of two payments are to pay my car payment in advance as I don't get work every month. For the month of XX/XX/XXXX, I made a payment from my corporate expense account and sent chase a copy of the statement chase informed me because it's not a regular account they could not verify the payment. 
please see the attached statement.
Product: Checking or savings account

I opened a checking account on XX/XX/24 for a {$300.00} bonus offer, which requires a total of {$1500.00} in direct deposit to hit the account within the first 90 days. I received two {$750.00} in the first 30 days. When I made a payment to my credit card, I was charged NSF fees from the bank and the credit card company. There was an IT issue that marked the current balance as negative, even though I had available funds in my account. The bank fee was waived after I complained, but the bank refused to cover the fee from the credit card company. After this, I canceled the direct deposit setup and moved the remaining balance to another bank account. 

When I logged in to my online account yesterday, I noticed they had closed it without notice. I called customer service, and they explained that the account was closed because the balance had been XXXX for 15 days. The bank did not disclose this or notify me that my account would be closed due to the fact that I had maintained a XXXX balance for 15 days or longer.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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
Product: Debt collection

I am contacted the CFB regarding Midland Credit Management, FTC file # XXXX. Company was sent 3 dispute letters by me. MCM never provided a debt validation or any acknowledgment of it. Instead, they knowingly lied to the FTC and stated that they provided me a debt validation twice, one on XX/XX/XXXX& another again on XX/XX/XXXX. Both statements provided by MCM were false. I am filing another FTC complaint against company for falsely stating they provided me with enough proof of the debt ( ex : debt validation ) when they did not. Company has mocked the power level and senses of the FTC by failing to do what is required of them by law : provide a debt validation within 5 days of receipt of my dispute letter. However, they sent nothing but a bill and advised me in writing that I owe the debt-NO Validation provided. The company in their response on XX/XX/XXXX complaint # XXXX, stated that prior to receiving notice from CFPB, they never received a response from me, however they signed and received my dispute letter sent certified mail thru usps tracking # 's XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX. I am re-filing a complaint against company for stating they provided me on 2 instance with a debt validation when company did not provide me with anything besides a settlement letter that was a bill, a general statement letter from XXXX XXXX, and a verbal written notice from XXXX XXXX-Division Manger, stating I owe the debt, with a charge-off letter attached. NO DEBT Validation. Company 's like MCM who fail to comply with the FDCPA when contacted with disputes, to then classify written letters and billing statements as debt validations should be shut down! I did not obtain an account from XXXX XXXX XXXX/XXXX XXXX! I have been asking for a proper debt validation that company has failed to provide. Instead, MCM lied to CFPB and stated they provided it! Wrong & FALSE INFORMATION!
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act my rights have violated. 

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 united accounts- {$4100.00} XXXXXXXX XXXXXXXX XXXX {$2000.00} XXXX XXXX XXXXXXXX {$1000.00} XXXX XXXX XXXX XXXX {$3900.00} XXXX XXXX XXXX XXXXXXXX capital XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX auto finance XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I had an account with XXXX XXXX XXXX since XX/XX/2016, for unfortunate financial difficulties I was unable to make my payments. I sought professional help with XXXX XXXX XXXX ( XXXX ) to help me to settle the account, apparently by XXXX the account was paid. However, I been tracking my credit report and the statement said that is pass due by over 149 days. I will love to settle this issue, I am a United States XXXX that is in the process to apply for XXXX XXXX   XXXX  with the ultimate goals of entering the XXXX XXXX pipeline, I am a great charger, self-motivated individual, great XXXX, with a clean record in the military for ten years. I am trying to start over whit a fresh start in my career and personal life. To accomplish those goals, I need any negative remark removed from my credit. I do understand I totally my fault by I want to fix my mistakes. 

Thanks.
Product: Credit card

American Express XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone : REQUEST FOR REMOVAL AS AUTHORIZED USER OF CREDIT CARD A/C TITLE AMERICAN EXPRESS, ACCOUNT XXXX XXXX XXXX Dear sir, I hope this letter finds you well. I am writing to formally request the removal of my status as an authorized user of the Credit Card of Account XXXX. XXXX titled as AMERICAN EXPRESS. 

After careful consideration and review of my financial circumstances, I have decided that it is in my best interest to discontinue my status as an authorized user on the aforementioned Credit Card. I greatly appreciate the opportunity that AMERICAN EXPRESS has provided me, and I am grateful for the positive experiences I have had as an authorized user. 

I understand that there may be necessary administrative processes to complete in order to remove me as an authorized user. I kindly request your assistance in initiating these procedures to ensure a smooth transition. 

I am committed to ensuring that this transition is carried out in a seamless manner and would be more than willing to cooperate with any requirements from your end. I recognize that there may be a timeframe required for this request to be processed and implemented, and I appreciate your understanding in this matter. 

Please see attached complaint.