23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This letter serves to formally request confirmation of the charge-off of my account number XXXX in the amount of Account charged off. {$30.00}, XXXX written off. {$29000.00} and to explicitly state that no settlement agreement was reached regarding this debt. 
As a sole proprietor operating under Car Max, I intend to claim this charge-off as a bad debt expense on my Schedule C for the current tax year. 
Please provide written confirmation of the charge-off date and the total amount written off, clearly indicating that no settlement was negotiated or agreed upon. Please remove this bad debt from my credit report. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX
Product: Mortgage

Please refer to # XXXX as this is the same problem. 
Unfortunately whoever answered the previous complaint did not sign or indicate a name on the letter to me so I am unable to address him/her. Although Gregory Funding has stated that they sent my tax payment to the XXXX XXXX  XXXX on XX/XX/2022 it has still not been received and credited by the XXXX XXXX XXXXXXXX. 14 weeks later my original tax payment of {$2300.00} generated fines and penalties resulting in the amount due to the XXXX XXXX XXXXXXXX as {$2500.00}. I have tried to get thru to Gregory Funding to obtain a copy of the cancelled check so that I can work with the XXXX XXXX XXXXXXXX to credit my tax obligation. It is impossible to get thru to customer service, therefore there is no customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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 an account without my written instructions.
Product: Checking or savings account

XX/XX/2021 - {$15.00} - I received a phone call from XXXX, which said they were from Chase Bank Fraud Department. They asked if I authorized a purchase of the above amount. press 1 for yes and 2 for no. This was a recording. I pressed 2. Then the line went silence.

I called the number back and they asked me to input my account number or social security number, which I did not do. instead, I called Chase Bank and told them my problem. Chase Bank had to knowledge of this phone number. I also explained to Chase that my wallet was stolen 5 days ago and did not have my account number so I gave the representative my social security number to verify my account. I am afraid that by pressing 2 to the previous phone call that my conversation was recorded and someone may have compromised my social security number. 
I also received a text from XXXX asking of I authorized a purchase for the same amount, to which I responded NO.
Product: Debt collection

afni debt collection company contacted me in XX/XX/XXXX about an XXXX bill that is not/never was mine, dated XX/XX/XXXX 

Appears to be a mail order for a telephone that was delivered to a person with the same first & last name as mine ( very common one ) @ a XXXX address. 

I have lived in different state since XX/XX/XXXX, during which time I have not had an XXXX acct. or purchased anything from XXXX. I so notified Afni, Inc. when I first heard from them, but just received another dunning notice. 

This temporarily affected my excellent credit rating w/ XXXX XXXX before I was even notified of this bogus charge, which is utterly unacceptable.
Product: Checking or savings account

On several occasions from XX/XX/XXXX to XX/XX/XXXX. XXXX XXXX XXXX. XXXX XXXX, TX XXXX. I have contacted USAA about my account XXXX Checking. I requested to have my wife removed from my account and tried to remove myself from her account. I explained that I am going through a divorce and my wife still has access to my account the only option they give is to close account which this would be difficult because I get my XXXX XXXX XXXX  and XXXX  pay. They will send an amendment signature card. I explained that my wife has refused to sign it. They can except a E-sign if you add a product but refuse to when you want to remove. This has caused my account to go into the negative and they send a letter that it can be sent as a charge off and my effect all other accounts. I told them the courts will not allow me to close accounts. I can remove a person. I had to put several stop payments and block everything on my account until I can figure out how to contact all the direct deposit which could take up to 60 days for the change. I have made the change with SS to this account. The company needs to change this. I add my daughter without a problem. USAA shouldnt wait until the account becomes overdrawn then say you have to pay this. They have been told about this situation many of times and no change. When you take off overdraft it takes XXXX business days to go into effect meantime as a card holder you can swipe all day long. This is causing me not to be able to make payments on other bills. I refuse to loss my money because a bank refuses to remove a person. Why this is so difficult for USAA to do so. I am the primary account holder this is my money not USAA. I feel like I am stuck because the bank refuses to resolve the problem. I also explained if there is any funds removed from my account without my authorization who will be responsible no answer. USAA should be responsible for all overdraft fees, reimbursement of funds. I also asked for any policys that they have to support this type of action nothing. This is not a communist country the bank needs to have something in place for situations like this. Divorce decree doesnt happen over night. Currently I have everything blocked to my account to prevent any further financial burdens I have to block and unblock my card each time I need to use it. I have told the representative if they can put the conversation on file if they did or didnt I wouldnt know. Just to close my accounts is a simple way for USAA not for the consumer. I should not be held accountable for others actions. They tell you thank you for your service but treat you like your from a communist country. This is sad if anyone else has experienced this with USAA. They know what the request was for.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an inquiry on my credit report from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX. I have called them to call the credit bureau and tell them I never applied for anything. All they tell me is that it's not their problem. So rude they made the inquiry without me knowing and now they will not fix it. I NEVER applied here for credit and furthermore I don't even live in California.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Financial Protection Act ( XXXX ) Specifically, cash app failed to take timely and affective measures to prevent and address fraud 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 resolutions requirements under the Electronic Fund Transfer Act ( XXXX ) and Regulation E. These actions has caused significant inconvenience and financial lost, and I seek appropriate redress for these violations.
Product: Debt collection

I am getting calls from a collection agency. The calls are left on my answering machine and threaten legal action and prosecution if I do n't return their calls. I call and explain that they are trying to reach my ex-husband 's first wife. They were marries in the 1970 's. That I never met the woman. That I have been divorced from my ex-husband for more than 10 years and have no idea where he is or his former wife. 
She never lived in the home that they are calling, never lived in the city they are calling and never had the phone number they are calling. 
I ask them to take my name off the information that they are using to reach this woman. Sometimes the caller is friendly and apologizes and agrees to correct their records. Sometimes they curse at me and tell me that they know I am that woman and that they will have me thrown in jail. 
I received two calls this week from the same collection agency. I called them back and the man I spoke to was rude, loud, and used abusive language, threatened me and then hung up on me when I was trying to explain this situation. I immediately called back his extension and it went to voice mail. I left him a message and told him that I was not the person they were looking for and that I did not want to be called again. I was not rude or profane.
Product: Credit card

XXXXXXXX XXXX XXXXXXXX closed my account with amount still owe on the card. I been making payment on time. No one explain to me that I have promotional balance. They already charged me interest in the past and a small monthly interest. since the account have been closed, I kept making payment with small interest that I been charged every month.I planed to keep making payment until the account is paid in full. Today I received and email with {$4200.00} Just in interest. I called the company and spoke with customer service and manger, explain to them that I never received the bill and I never been late on my payment or missed a payment. I offer them to pay the amount left in full if they are willing to work with me and wave the interest charge. They declined and said they are unable to work with me due to the account being closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
The XXXX Accounts should be blocked from my file as they were opened as a result of ID theft. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : A copy of my Identity Theft Report A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX Enclosures : Identity Theft Report Fair Credit Reporting Act Section 605B
Product: Debt collection

XXXX Bank took over a credit card account that I had with another company and raised our interest rates by 150 % without our knowledge or written notice. I contacted them about their deceit and the inappropriate raise in our APR and they said that I could pay off the debt but that was the only way to stop the interest accrual but they would not take back the extra interest already added for the previous months which totaled about a {$700.00} dollars. I paid off the account except for the {$700.00} that I felt was a malicious way to increase their bottom line when they had just received a bailout from the government. They kept adding interest to the interest and then sold the debt to another company. I contacted them and told them that this debt was paid and that they were trying to collect on interest charges that were illegally accrued on my account without my knowledge and that XXXX bank had kept adding interest to an already balance that was only interest in the first place. They never contacted me again but this has damaged my credit. I am sure that this has happened to many many people and that they paid the extra interest without questioning XXXX Banks practices. My credit card account was always paid on time and I had a 9.5 % interest rate when XXXX took over they had raised my APR ( without my knowledge XXXX to 25 % and this all happened after they received their government bailout. I have copies of all my statements and records to back up my claim and when I contact XXXX back and asked them to send me a copy of their letter that they stated they had sent to me about the raise in my APR, they mailed my a shrunken copy of their new customer pamphlet that the print was so small you could not even read it.
Product: Bank account or service

Photo-deposited a check on XXXX XXXX XXXX. When I looked at my account information a record of the deposit was not on the account. I then call the TD Bank and was told it will be 7-14 days before the funds will hit my account and the deposited check will be put on hold until that time. I instructed my bank to not use my photo-deposit because I could not wait 7-14 days for money I needed ASAP. TD-bank said okay, and I cashed check at a check cashing place. 2 weeks later I see a deposit for XXXX ( the amount of the check ) and I called the Bank again to take the money out of the account. They said it will be out in 3-5 business days. After another week the funds were still in the account and I called TD-Bank again to have the funds recalled and they said it will be in a day or XXXX on XXXX XXXX. I never heard from TD-bank again and come XXXX I used some of these funds not realizing they were still in the account. Finally XXXX XXXX!!! XXXX TD-Bank debits XXXX dollars from my account leaving me with a XXXX account balance! I called them to work out a payment plan but was told that is not possible. I have a baby and a mortgage and TD-Bank just about ended our lives. Then they charged me a XXXX dollar over draft fee to add insult to injury.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2023 XXXX XXXX XXXX arbitrarily closed my checking, savings, and credit cards account. I had been a client of 20+ years. 

They did not provide me with an exact reason as to why, though this recent XXXX XXXX XXXX article is the citation I found myself in XXXX XXXX XXXX XXXX As a result of their actions I had to open new checking, savings, and credit card accounts at new banks. 

Also, and more importantly, due to their actions, my credit score has declined from a solid. 815 to around 770. 

It is now more expensive for me to acquire loans, credit cards, etc. 

I feel my credit score should be restored to its XXXX value.
Product: Debt collection

I received this credit card during my XXXX XXXX XXXX XXXX. As a responsible individual regarding financial matters, I diligently used the card for necessary expenses related to my education. However, I encountered several issues that have caused significant distress and financial burden. Firstly, there were multiple instances where my card was charged twice for the same purchase. Despite promptly addressing these discrepancies and consistently making timely payments, the payments were not accurately reflected in my statements. As a result, I requested a payment plan to manage my balance better. Unfortunately, the process of obtaining a payment plan was exceedingly prolonged, taking several months. Once the payment plan was established, I experienced persistent harassment from your representatives, who frequently called me before XXXX XXXX causing undue stress and XXXX Furthermore, my initial balance of approximately {$600.00} inexplicably increased to nearly {$1000.00}, despite my efforts to manage and pay off the debt. I believe that as a naive XXXX XXXX I was taken advantage of, and I feel that the treatment I received was unfair and unjust. I request a thorough investigation into my account and a detailed explanation of the charges and interest accrued. Additionally, I seek rectification of any erroneous charges and a fair resolution to reduce the undue financial burden that has been placed upon me. I trust that you will address this matter with the urgency and attention it warrants. I look forward to your prompt response and a satisfactory resolution. Thank you for your time and understanding.
Product: Debt collection

I ask them to verify the debt, Under the XXXX XXXX  XXXX use XXXX, it is a crime if companies don't accept XXXX. XXXX use XXXX debt discharge XXXX XXXX, XXXX use XXXX validation of debt, they could not validate the debt because it was XXXX XXXX with a XXXX balance, No consent was given under XXXX XXXX XXXX XXXX due to XXXX, XXXX XXXX XXXX presented for debt. XXXX, and deception on behalf of XXXX XXXX and Exeter Finance. Exeter also changed names and breached any and all contracts.
Product: Debt collection

Comenity Bank for XXXX disclosed debt ( including amount ) to my ex-in law. The amount is {$600.00}. They have been harassing me and those associated to me. I was recently laid off and with Covid it is very difficult to get a job and my other debts such as rent and car need to have priority. They leave aggressive messages telling me I have to call them or something bad is going to happen. Honestly, the messages are insane. Its {$600.00} and they make it sound like Im going to jail if I dont pay it. They have also left aggressive message for other members of my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

My life has been turned upside down from # 1 inaccurate reporting # 2 charged by Experian was to be refunded and never revived. 
# 3 my SS # and information was breeched from Experian and caused further harm. 

I demand my perfect credit restored and my wrongful payments charged without my consent returned. 
Reaching you through all conventional methods is nothing is a joke. 

This is my life a life of being a good person and Experian needs to realize the harm caused. 

I have tried and tried PLEASE FIX ALL THIS IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

INQUIRIES : XXXX / XXXX XXXX XXXX : XXXX / XXXX XXXX BUSINESS TYPE : XXXX XXXX DATE OF INQUIRIY : XX/XX/2021 XXXX / XXXX XXXX, has violated my rights based on the above sections so stated within the Fair Credit Reporting Act. Additional I do not recognize such inquiry.
Product: Credit card or prepaid card

Recently I submitted applications for a Citi XXXX, and a Citi XXXX XXXX XXXX cards. According to a representitive that I spoke with, I should submit new applications, since I could not reopen these accounts. 
In two separate letters, I was informed that both applications were denied. In both letters, there was one single reason : Too many applications submitted.

I have only submitted two applications, the two XXXX XXXX cards. 

It would've been nice if Citi had cited how many applications were acceptable, I could've saved a hard inquiry. Maybe showing me a pop-up window informing me that I have reached the acceptable number of applications. 



I would also like to reopen my Citi  XXXX XXXX card, however, I do not know the number on the card to present, because the card was destroyed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal notice that you have failed to respond in a timely manner to my dispute concerning the accuracy of what you have on my credit report. Under the FCRA 15 USC 168i ( 5 ) ( A ), you have 30 days to respond to my request for VERIFICATION not VALIDATION, of which there is a difference of the erroneous items. Your negligence has caused me harm, since it has affected my ability to obtain new credit. Since you have NOT PROVIDED ME NAMES OF PERSONS you contacted for verification, per 15 USC section 168i ( a ) of the FCRA and remove the disputed items from my credit report immediately. If I DO NOT receive a revised credit report, free of charge, with the item removed at the address stated, I will pursue my legal rights with an attorney under 15 USC section 1681n or 1681o " Civil liability for willful noncompliance ''. Your credit bureau may be liable for : 1. Actual damage I substained by you failure to delete items 2. Punitive damage as the court may allow 3. costs of the court action, plus my fees for the attonery
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 1681. 

FOR EQUIFAX : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX  15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.