23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX XXXX XXXX. 

XXXXXXXX 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: Debt collection

At XXXX XXXX, I received a call from a collection agency call " Vision Financial '' the collector named XXXX XXXX, he was agressive and insulting. I advised him of the time and he stated that I was " refusing to take care of my debt and I am a DEAD BEAT '' 1. This company calls me once a week, and I have asked them to stop. I have limited minutes on a cell phone. I asked for an address previously to put this in writing, but have been refused. 

2. It is XXXX XXXX, it is wrong and against FDCA to be calling me at XXXX XXXX. 

This company has violated my rights. They have made aggressive and inappropriate comments such as " you are homeless, so you do n't have bills why are you being a dead beat? '' It is inappropriate, insulting,
Product: Debt collection

currently on my personal credit report i have a charge from XXXX XXXX located at XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX , Illinois , XXXX. This company which specializes in debt collections is alleging that i owe XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) {$240.00} from XX/XX/2017, i have NO contracts with XXXX & XXXX i currently rent and the owner has been paying XXXX XXXX XXXX i have no contract with XXXX XXXX XXXX nor do i have a contract with ICS. Further more ICS has not shown me any proof in writing, they have never contacted me about this issue. i have already made disputes with my credit monitoring bureaus and i am making sure this is taken off of my credit report as i never opened any accounts with either XXXX XXXX XXXX or ICS, this is basically fraud.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a persistent issue I have encountered with the credit reporting Agency 's XXXX, TransUnion, and XXXX. 

Despite my efforts, a numerous amount of incorrect address continues to be listed on my credit report, negatively impacting my financial standing. I have contacted the credit bureau multiple times to address this matter, but unfortunately, the incorrect addresses remain unchanged. 

I have attached documentation supporting my attempts to rectify this issue, including correspondence with the credit bureau and proof of my correct address. I understand the importance of accurate credit reporting and the impact it has on one 's financial profile. I kindly request the Consumer Financial Protection Bureau 's intervention to facilitate the removal of the inaccurate address from my credit report. I appreciate your attention to this matter and thank you in advance for your assistance in resolving this issue promptly. If you require any additional information, please do not hesitate to contact me.
Product: Debt collection

This company is calling threatened to take our property or our assets suing us due to a debt. The name said on the phone messages is my first name but not my last name.There is no explanation of what the debt is about or which company they are representing. Just a number and no explanation.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence engelhardt. v gravens ( mo ) XXXX XXXX presume that no proof of the alleged debt. Nor therefore any such that in fact, therefore exist., ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX {$250.00}, XXXX XXXX {$150.00}, XXXX XXXX {$16000.00}, XXXX XXXX  {$12000.00}, XXXX XXXX {$16000.00}
Product: Credit reporting or other personal consumer reports

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly delete this immediately : XXXX XX/XX/2022
Product: Debt collection

Left apartment on XX/XX/XXXX within approximately 2 weeks received a XXXX dollars charge because carpet had a 5 cm XXXX stain and they were going to replace all the carpet. I gave XXXX dollars, and was told that the rest was going to be sent for collection and did not took more payments. 
In XXXX I received a collection letter by TSI, I paid XXXX dollars. Expecting to received a subsequent charge and that continue with monthly installments. Did not received any, I emailed my apartment complex to get a contact number for TSI, they did not replied. 

Answered a call, and it was TSI collector, ask them to please send me another bill to do an installment, and asked for monthly payment plans. Told OK as long as I am paying. Again, did not received any information. 

Called TSI, to update address, and request a monthly payment plan. Agent, said this was recorded and requested, that I should be getting a stub. Received, paid XXXX dollars. Then, again did not received any more documents. I called, requested monthly payment plans and stub was sent, and paid another XXXX dollars. On XXXX, I received a call requested payments and explained to her that I been requesting monthly payments stubs, to do installments. Told to pay, via phone and that she could setup payment plan ( FIRST THE FIRST TIME ), I explained I did not feel comfortable giving my card or bank info, to please send me instructions by mail or email She hang up ( call in XXXX XXXX ). 

The following day this was sent to collection. I called back TSI, and an agent mentioned that even though I was doing monthly payments since this was not set up by an agent or documented, this was not shown as I was doing monthly installments, and they sent the charge to the Bureau. I did not received any collections or letter stating that this was going to happen, I was not informed. 

I am upset, since I was the one calling on a monthly basis to ask how to pay monthly, doing monthly XXXX dollar payments. Communicated my desire of paying, never denied a payment, expressed my interest and updated them ; and even though I did monthly payments and was in communication with them, they did not updated me about the situation and send my collection to the Bureau, when I was proactively paying and calling them, since I did not received letters/stubs unless I requested them. When I spoke to the agent on XX/XX/XXXX he said nothing to do from his end, that I needed to send a letter to corporate that I did. Requested to talk to supervisor, who said she will review case, but dismissed me. 
Since TSI has bad communication within their office, I just immediately paid the remaining balance, in order to avoid more issues with them. 
Per them all the conversions are audio recorded and documented. There is evidence I multiple times said " I do not refuse to pay, I am calling because I want to pay, though I can do this in monthly payments, please send me the stub to do my installment ''. They still did not communicated with me, and sent everything to the bureau, which will affect my credit score. This is an abuse, unfair, unjustified and careless. 
Please help me!
Product: Checking or savings account

I noticed {$500.00} was withdrawn from my Wells Fargo checking account on XX/XX/20. I contacted Wells Fargo immediately to report the fraudulent activity. I filed a few cases with Wells Fargo and they have denied my claim. Wells Fargo has a fraud guarantee that covers all my online accounting, however they don't want to stand behind their fraud guarantee policy. They are saying someone used my username and password to send {$500.00} via XXXX to an unknown recipient.
Product: Checking or savings account

XXXX Third bank XX/XX/year> let hackers over draft my account and got me waiting over XXXX weeks to get access to my original funds.
Product: Checking or savings account

On XX/XX/2022, I reported to the bank some transactions that I did not authorize. I called them around noon because I did not receive any alert of those transactions that were made in the early morning of the same day. The first thing they did was cancel my debit card and they opened a case to investigate. They told me I had 10 days from XX/XX/XXXX to fax or email them a dispute form, which I faxed to them on XX/XX/2022. On XX/XX/XXXX they gave me a provisional credit for the reported transactions but the same day they sent me another letter where, based on the investigation, they only returned the credit of 3 transactions ( {$54.00}, {$81.00}, {$54.00} ), which previously refunded on XX/XX/XXXX ( {$54.00}, {$27.00}, {$81.00} ), and based on the results of the investigation they considered the claim was resolved and my case has been closed.On XX/XX/XXXX they sent me another letter saying that the credits they gave while the investigation was going to be removed from my checking account again on XX/XX/XXXX of this year. I received the letter on XX/XX/XXXX. I called them again on XX/XX/XXXX ask them why they closed my case if they did not credited all my money. Then they told me to appeal that decision I would send them a letter written by me explaining the situation, which I sent them on XX/XX/XXXX. Since then when I call them the person who answers me contradicts himself in many things regarding the information I requested. The transactions that I am requesting to be credited are {$1.00}, {$140.00}, {$3.00}, {$310.00}, {$1.00}, {$1.00}, {$2.00}, {$110.00}, {$190.00}, {$2.00}, {$76.00}, {$6.00}, {$5.00}, {$1.00}, {$250.00}. All those are foreign transactions made in XXXX, XXXX at the same time
Product: Debt collection

I have had repeated phone calls from this company that always calls several times a day everyday with an unknown caller id. I finally got their number which is XXXX. Called that number and it states it i Comenity Bank. I do not owe this back anything. If this is regarding a specific debt through another company they legally need to specify that. I have sent them numerous messages online and told them to not call me on my mobile several times. There are times when Im working and they dont respect that at work. They call on weekends as well. They have disconnected me. They have hung up on me. They are robo calling, dialer calling. I have a lot of proof of the phone calls with dates and times if needed. Thanks for your time
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX dated XX/XX/2022 regarding XXXX XXXX XXXX  ( account # XXXX ) that is showing on my credit report Upon closing of their investigation their report # XXXX results stated " Remains '' The account can " Remain '' HOWEVER I am hereby requesting that all lates be deleted. 

I have been a victim of their breaches and their failure to remove the information will result in a lawsuit per FCRA regulations Theyre not a government agency and I believe theyre colluding as their business entity is a publicly traded company and this seems to be some sort of extortionate credit transaction. 

These errors have caused a denial of extension of my own credit to me
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXXXXXX {$4300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX DEPT OF ED/XXXX XXXXXXXX {$0.00} XX/XX/XXXX DEPT OF ED/XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$12.00} XX/XX/XXXX
Product: Debt collection

Hello, I have reached out to Us Collections through CFPB, I filled a complaint because they are reporting a false amount on my credit file and also reporting a debt that 's not mines. They are reporting a debt from a company that is no longer in business and in fact selling condos as i have provided in pdf form and in addition this company stated in my CFPB response that i dispute this alleged debt every month in fact i do n't and yes i have sent 3 times a request for validation as they wont give me anything for an apartment, like a lease my drivers license, my signature. I do n't need a letter saying you sent me validation with nothing attached as proof, Im sure as a company you know that 's not validation. XXXX XXXX the mgr @ us collections west, Please send me the lease and my drivers license, you stated that you mailed me a letter on XX/XX/2017 certified mail, provide the return receipt and a pdf with my signature and the address you mailed it to. Im a single mother and trying to better my life and your company are reporting false and detrimental claims against me and this is horrible!!! all i ask for is proof and the correct amount, if there is none do whats right and delete from my credit file. I ca n't sleep at night knowing i did n't create this debt of $ XXXX!!! lets face I 'm not owning this debt and it has only 3 more years to report!! if you have a heart and a family and know how hard it is in this world and review your files and delete as this honestly not me as i have lived in XXXX XXXX for the last 6 years of my life!! I pray that something changes and GOD has his hands in this .... 

Thanks XXXX : )
Product: Vehicle loan or lease

After my car was are repossessed in XXXX, I then paid that amount, however they repossessed again. Very rude and unprofessional service.
Product: Credit card

I was a complaint pursuant to violations of the Equal Credit Opportunity Act, and false statements made by the company pursuant to XXXX XXXX. 

I am a customer with Capitol One. The company frequently has its lending serviced overseas. In recently applying for a credit line increase ( s ) I received the attached two form letters indicating that information was pulled from XXXX to make the decisions. I went to XXXX and reviewed my report. No soft or hard pull from Capitol One for more than 2 years per XXXX. 
( Based on the information provided by XXXX, it would appear that Capitol One has sent me a scripted form letter that is full of untruths. ) Because Capitol One has the Creditwise info as well as the XXXX info. I feel the company is engaging in a XXXX as the XXXX information is clearly not complete and up to date. 

I attempted to discuss this over the phone and the representatives had to transfer me from over seas to the US and I went from a person in XXXX  to a person in XXXX  and both were bereft of the ability to speak on these matters and or resolve them. 

Capitol One also sells me this product : Credit Wise. Which monitors my credit for me. ( I really don't need it as I am connected to all three bureaus directly. ) Antitrust issue as I was advised by the representative XXXX from XXXX  ID Number : XXXX on a recorded line that Capitol One only uses information from XXXX when making a decision on a Credit Line Increase. That would be corruption and or anticompetitive practices. The Credit Wise product feeds data from XXXX. And is used when making preapproval offers for new Capitol One products. 

I am requesting injunctive relief that the company cease and desist these unfair lending practices. 

I am requesting that the company issue an apology. 
I am requesting the company contact me to 'unlock ' my profile and or use the XXXX XXXX available to make a lending decision based on 'Credit Wise ' product. 

The company has denied my requests to increase my credit line by instead offered me a second card with an annual fee to attempt to make money off me that way in lieu of ethically just reviewing and granting a credit line increase like a normal lender. This is a new pattern in the industry. Deceptive lending practice. Forces people to open more credit lines than they need. 

I have spent multiple years working at a credit card company ( VISA ) and I had lending authority, the information as provided from the Capitol One Representative made the internal operations appear to be babyshambles. I was advised the Credit Line Review process is done in back office only and they can not even connect to a manager to discuss further. Per representative in XXXX  who was the 'highest " phone escalation they could offer. 

I am requesting Company to offer MCLM ( Multiple Credit Line Management ) which would allow consumers to merge multiple accounts into one account with the maximum credit line they qualify for. To help avoid unnecessary annual fees.
Product: Credit card or prepaid card

On XX/XX/XXXX, I bought a sofa from XXXX. they delivered me the incorrect sofa model and color. I called them to report the issue and so far they have not send no one to pick up the wrong one and send me the correct one. I have disputed the charges for {$2100.00} plus interest with apple card ( Goldman Sachs ). they never sent me any status o my dispute and they have keeping posting again the charges on my account. they not helping me at all, with this scam. 

Second complaint : Company responded : Goldman Sachs Bank USA received the above-referenced complaint related to the Apple Card via the Consumer Financial Protection Bureau ( CFPB ) Complaint Portal on XX/XX/XXXX. The Bank appreciates the opportunity to address the concerns raised by XXXX XXXX ( the Customer ). The Customers concern references a transaction dispute with the merchant, XXXX, in the amount of {$2100.00}. The Customer initially stated the merchant shipped an incorrect item. The merchant voided a return refund, as the Customer opened a transaction dispute with the Bank. The Bank initiated a three-way call with the merchant and the Customer to facilitate a return of the incorrect merchandise. The merchant advised they are able to schedule a pick-up of the merchandise for the Customer, once the dispute is resolved. The Bank has resolved the dispute in favor of the merchant, as the merchant has agreed to arrange for a merchandise pick-up for an exchange or return. The Customer is requested to contact the merchant in order to schedule a pick-up for the returned item. Based on the above details, we kindly request this complaint be closed. 
Goldman Sachs is in violation of my consumer rights. this issue I had to deal with it has been for the past 9 months. I never agreed to this terms ( Please request recordings of our interactions ). I have tried multiple times on returned the merchandise e and they always lie to me saying they going to send someone to pick up the sofa and they dont send no one.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app ( Block, Inc. ) due to in adequate customer service and unfair practices which violate the Consumer Financial Protection Act ( CFPA ) Specifically Cash App fail to take timely and effective measures to prevent an address for on their platform leaving my account, vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive as they did not comply with error, resolution requirements under the electronic fund transfer act ( EFTA ) and Regulation E these actions have caused significant inconvenience in financial loss and I seek appropriate redress for these violations.
Product: Debt collection

The company Enhanced Recovery Collection XXXX XXXX XXXX XXXX fl XXXX tel XXXX put a collection on my credit report for a bill {$120.00} on XXXX  Causing my credit report to drop 74 pt. 
This bill they are collecting has no notice, no particulars, no date whatsoever.
Product: Mortgage

A wells fargo banker ( XXXX ) at the XXXX, VA officer called me a criminal for post dating a check. 
I wrote the check with a future date because I would be out of town on the first of the month and asked a friend to mail the check a day or two before the due date so it would arrive on, or maybe a day after, the due date. My friend instead walked the check into the bank on the XXXX, which refused to accept it because of the post date. My friend brought the check back on the first, which was then accepted. I later discovered it is a bank policy to not accept a post dated check, which I accept despite the fact Wells Fargo central payment facilities routinely accept post dated checks all the time ( Wells Fargo words, not mine ). What I DO NOT accept is during a visit to the branch a banker ( XXXX ) stated repeatedly it is, " against the law to post date a check '', and even said, " that's the first thing you learn in banking school ''. I find it hard to believe 'that 's the first thing you learn in banking school ' because : 1- It is NOT illegal to post date a check, and 2- a bank 's branch policy does not make law. Repeatedly insisting I was engaging in criminal, illegal behavior by post dating a check is the same as calling me a criminal. A few weeks later when revisiting the situation with the branch manager, who was also present during the earlier encounter, the manager denied the banker ever said those words. Eventually the manager 'remembered ' those words being directed towards me and offered an insincere apology.