23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I paid my account online more than the minimum balance and this has occurred twice so far. I paid my balance before the due date in full and weeks later I am charged for interests. This has occurred twice so far and when I called to speak with customer service dept, I am told it was interests of unpaid balance. I informed them several times that I paid the balance in full prior to due date and I even selected that pay full balance way prior to the due date. I receive poor customer service and not only are the nasty and rude they do not listen nor understand how a calendar works. I wait on the phone for over 45 minutes every time and it has nothing to do with CoVid 19 or virus.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Bank Account # 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 without my written instructions.
Product: Debt collection

I received a debt collection letter on XXXX XXXX from a debt collector by the name of Weltman , Weinberg & Reis claiming the I owed {$8000.00}. I sent this debt collector a certified validation letter on XXXX XXXX, however I was also served with a summon and complaint from this collector of which I answer the summons denying all claims of owning this debt. This debt collector ignored and refused to give me solid proof that this debt was mine. They continued to collect on this debt by filing a motion for a default judgement. I received a letter from the courts stating that the motion for a default judgement for the plaintiff was denied and that the matter was dismissed without prejudice. I did not hear anymore concerning this matter until a week ago when my wages was garnished resulting from this debt. This debt collector never validated this debt, they ignored my validation letter, and continued to aggressively pursue a debt that was not validated, and I feel this was a deliberate violation of the fair credit debt collection act. I am filing this complaint because they have violated the fair credit debt collection act with their false credit schemes.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX XXXX Balance Owed : {$290.00} XXXX XXXX Balance Owed : {$310.00} DPT EDXXXX XXXX Balance Owed : {$4200.00} DPT EDXXXX XXXX Balance Owed : {$6300.00} DPT EDXXXX XXXX Balance Owed : {$3200.00} DPT EDXXXX XXXX Balance Owed : {$3500.00} DPT EDXXXX XXXX Balance Owed : {$1700.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$540.00} XXXX XXXX  XXXXXXXX XXXX Balance Owed : {$860.00} XXXX XXXXXXXX Balance Owed : {$450.00} XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$2400.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed XXXX {$7600.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$480.00} XXXX XXXX XXXX XXXX Balance Owed : {$3900.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX Balance Owed : {$6800.00} XXXX XXXX XXXX XXXX Creditor : XXXX ) XXXX Balance Owed : {$0.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance Owed : {$1700.00} XXXX XXXX XXXX XXXX Balance Owed : {$1700.00} XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXXXXXX ) XXXX Balance Owed : {$90.00} XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance Owed : {$1700.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

I found out that an account was placed in collection because I received a credit report notification. I did research online and finally found a number for the supposed collection agency. I explained to them that I was never notified of the account being placed in collection and I have never received any type of communication from them. I feel that the charges I was charged were not right. It took several phone calls and messages before they finally provided statements to me. I still do n't agree that the balance owed is accurate but I need this off of my report so I 'm willing to just pay the money owed. This company has been unfair and unresponsive. They continue us to tell me that they have n't violated the law because their system says a letter was sent to me. I would have responded had I ever received the letter. It 's not right.
Product: Debt collection

Constant calling. Calling at all hours. Do not owe anyone anything. Credit rating is in the 800s. Never leaves messages. Just want it to stop. Credence is the name of the caller. Please help
Product: Mortgage

A company called XXXX XXXX is calling asking for self reporting information under the umbrella of the Veterans Approved Act. They are calling as a third party on behalf their " preferred lender ''. Passing information to XXXX ; quoting rates and closing costs without making application. XXXX XXXX direct dial XXXX fax. They are collecting data for the creation of a loan application without being a LICENSED mortgage company. I have requested NUMEROUS times that they remove me from their calling lists to no avail, therefore I have decided to gather more information from them in the hopes that your group will take action to ensure that NO other Veterans and their families are swindled by the group and the lenders that the refer to.
Product: Credit card

Hi. 
Month ago I opened Bank of America cash reward credit card. I got card and start to use it. 
I made purchases at gas station, grocery stores and online. Already get cash reward ( {$110.00} ) in my account. By end of billing cycle I got XXXX and paid in full total balance in the local branch by next day. Next day I got letter from Bank of America stated that my account has been closed without any explanations.When I called to a toll free number listed in the letter, automated message said, that my account closed for business reason, no any explanation will be given. 
What about my cash reward. Can I will get my reward in this case?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of below accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX, XXXX : XXXX XXXX, XXXX XXXX XXXX # XXXX, 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

This fraudulent despicable company closed another complaint without addressing the issue and giving explanations that are ridiculous AS REQUESTED FORWARDED TO F.T.C AND D.O.J
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXXXXXX XXXX XXXXXXXX Account XXXX : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX XXXX XXXX Account XXXX : Unknown Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and XXXX of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

FRCA VIOLATIONS NOT MINE NOT MY CREDIT CARDS XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. {$460.00} written off. 
XXXXXXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$190.00} Status Closed. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. {$5500.00} written off. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$390.00} Status Collection account. {$390.00} past due as of XX/XX/XXXX. 
NOT MY ADDRESSES XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Resident type Multifamily XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, AZ XXXX Resident type Multifamily XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, AZ XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX, AZ XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX, AZ XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, AZ XXXX Resident type Single family XXXX XXXXXXXX XXXX XXXXXXXX XXXX OH XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX OH XXXX Resident type Single family XXXX XXXX XXXX XXXX, OH XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, AL XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, AZ XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX, AZ XXXX Resident type Multifamily XXXX XXXX XXXX XXXX, OH XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, OH XXXX Resident type Single family NOT MY NAMES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NOT MY PHONE NUMBERS ( XXXX ) XXXX Cellular ( XXXX ) XXXX NOT MY INQUIRIES XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXXXXXX XXXX  XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have reviewed my consumer reports and notice I had two late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to their best of their ability with maximum accuracy. I have never been late on payments for the account that I have included screenshot inside this complaint in and on thisXX/XX/XXXX and XX/XX/XXXX Please Investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated and to paid as agreed on time as they should be due to the fact I was never late. Please see screenshot attachment
Product: Checking or savings account

I received email from the bank ( PNC ) that my mobile number needs to be updated. This happened a couple of months ago ( XX/XX/XXXXXXXX  ) and i had to take a day off and get this matter resolved at their physical office. I was assured it was fixed and yesterday the same issue has flared up ( XX/XX/XXXXXXXX  ).
Product: Debt collection

The company CITI.Card -XXXX  XXXX XXXX XXXX, is not honoring the information provided in XX/XX/XXXX via Phone. 
I called the in XXXX specifically to asked them when was the last day to close the card in order to avoid the fee of {$450.00} for another year service and they mentioned to me that was XX/XX/XXXX, I even asked them if I can close in XXXX and they mentioned to me that will be best to wait until XX/XX/XXXX because the fee will not apply. 
Since End of XXXX I been contacting the card company to reimburse me the {$450.00} and XXXX from the citi via Chat confirmed that was their mistake and they will reimburse me via check to my address but already past more than 20 days and I never received the check so I called the citi spoke with XXXX ( XX/XX/XXXX XXXX XXXX ) the manager and he is telling me that the company don't reimburse the annual fee even if is their mistake as a company police, this is absurd, the account was close before the new cycle year.
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. 

Account XXXX XXXX XXXX XXXX  : # XXXX, Account XXXX XXXX XXXX XXXX : # XXXX, Account XXXX XXXX XXXX XXXX XXXX : # XXXX, Account XXXX XXXX  : # XXXX, Account XXXX : # XXXX, Account XXXX XXXX : XXXX XXXX, Account XXXX : # XXXX, Account XXXX XXXX : # XXXX, Account XXXX XXXX XXXX : # XXXX, Account 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

On XX/XX/XXXX, Ive received an email from First Tech Federal Credit Union regarding changes to an account. Therefore, Ive replied same day stating this was an error and fraud, never did I open an account with the company. I called a day or couple days later, and spoke to a representative. She ensured that the account ( s ) will be placed on hold for further investigation. A week later, Ive received a fraudulent claim form to fill out from the bank, which was filled out and sent back to the forwarding address. On XX/XX/XXXX, Ive received a statement from the bank statement which included account bank, which led me to believe the bank proceeded with active account. On XX/XX/XXXX, Ive received a Special Adverse Action Notice which indicated Deposits/Savings were terminated/closed/suspended/other and reason to termination was CHARGE OFF. In XX/XX/XXXX, Ive called the customer service line and spoke to a representative who ensured that all accounts were closed and there were no further worries. On XX/XX/XXXX, Ive received a debt collection letter from XXXX XXXX XXXX, XXXX regarding a {$500.00} debt I owe, which stated as of XX/XX/XXXX. 

Please note, there was a police report regarding this case on XX/XX/XXXX. See attachment.
Product: Money transfer, virtual currency, or money service

I am following up on a previously submitted complaint ( ID XXXX ). The company responded, claiming that my Cash App account was reinstated. However, upon attempting to access my account, I found it remained restricted, contradicting their statement. Despite their communication, which indicated resolution, I am still unable to use my account. The persistence of this issue has caused me significant inconvenience and confusion, and I seek immediate clarification and rectification of my account status.
Product: Checking or savings account

On XX/XX/2022 start date I received a phone call from a " Supposed US Bank Employee '' with a spoofed customer service US Bank  Phone number. Which was XXXX about a XXXX withdraw of {$3500.00} and he stated there was " fraud '' on my account. When I logged onto online banking he was able to sign me up for XXXX, which is a money transfer service used by many banks including US Bank. He then proceeded to withdraw {$1900.00} from my account, and then he proceeded to do 2 more withdraws of {$400.00} increments. Then the perpetrator locked me out of my online banking access at that point. Immediately US Bank from XXXX XXXX, MO called me and asked if I made those withdraws and I stated " No I did not '' they told me on the phone there was nothing they could do because was a XXXX transaction. The lady from the US Bank XXXX XXXX knew there was an ongoing scam with the US Bank Customer Service Phone number being " spoofed '' by scammers and were aware of this scam. The US Bank website did not mention the scam or the spoofing of the customer service phone number. I opened a new account because of the fraud, and also US Bank opened an investigation of the fraud and after 10 business days they determined that I posted the requested transactions. I received 3 letters in the mail today and basically they have now denied my claim and are NOT going to do any other course of action regarding the fraudulent transactions. So the scammer made off with {$2300.00} of my money that the bank will not reimburse me back for. That is why I'm filing this junction at this point to see my options are now. Thank You XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  is fraudulently reporting to the three credit bureaus Transunion, XXXX  and XXXX the XXXX XXXX XXXX  account is open and late.. This account has been a closed/settled account for months. Why is XXXX XXXX XXXX  reporting its open and late dated XX/XX/2020. This account has be closed and settled how can I be late on a paid/settled account. This is fraudulent and permanently damages my credit profile. It can not be late because its closed and settled. THE XXXX  XXXX MUST BE DELETED AND All Fraudulent must be REMOVED AND CORRECTED AND DOCUMENTED THAT This was an error on the XXXX  XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I have a charge-off showing on all three credit reporting agencies for XXXX XXXX XXXX XXXX which needs to be changed. This is not a charge-off as I am in a court-ordered payment plan with the creditor. I have disputed this with all three credit bureaus and even attached paperwork to show that I am in the payment plan, but they all came back saying that the creditor says the charge-off is accurate when it is not. It says that I owe {$6800.00} which is charged off and I have been disputing this since XX/XX/2023 to get it fixed.
Product: Vehicle loan or lease

I never received information on when my vehicle will be repo. I called Friday to see if I could get pym arrangements or put pyms on hold due to Covid19 and was refused. Tuesday my truck was picked up. No letter in mail no email no phone call saying I have until this time to that time to make pym or vehicle will be repossessed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of any such debt being owed toEnter compan LVNV Funding LLC ORIGINAL CREDITOR ( XXXX XXXX  XXXX I am familiar with the XXXX XXXX XXXX 's ( XXXX ) Consumer Credit sourcebook which states the following. 
" A firm must not ignore or disregard a customer 's claim that a debt has been settled or is disputed and must not continue to make demands for payment without providing clear justification and/or evidence as to why the customer 's claim is not valid. '' XXXX " A firm must suspend any steps it takes or its agent takes in the recovery of a debt from a customer where the customer disputes the debt on valid grounds or what may be valid grounds. '' XXXX " Where a customer disputes a debt on valid grounds or what may be valid grounds, the firm must investigate the dispute and provide details of the debt to the customer in a timely manner. '' XXXX If you do not stop collection activity whilst investigating my dispute, you are breaking XXXX  rules and guidance. 
Also, ignoring claims that debts have been settled or are disputed and continuing to make unjustified demands for payment is harassment. 
Please do not make any further contact about the above accounts unless you can provide evidence of my liability for the debt. 
I await your written confirmation that this matter is now closed. Otherwise I will have no option but to make a complaint to my local trading standards service and consider informing the XXXX  of your actions. 
I look forward to hearing from you. 
Yours faithfully
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need this account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX
Product: Checking or savings account

TD Bank already knew that I was a victim of fraud, but a stranger opened a new checking account and saving account online every week, and negotiated with TD BANK many times to let them lock my work card and dont approve me. The work card opened a new account, but they said it could not be done. No results were obtained for two weeks. The new fraudulent account was opened every week. I went to the police. The police asked for a fraud investigation report issued by the TD department, but TD bank refused to give it to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX, and XXXX are continuing to report an outdated debt with XXXX XXXX/XXXX  XXXX. A consumer reporting agency may not report outdated negative information. This debt is from 2005, which is well beyond the 7 year mark.
Product: Credit reporting or other personal consumer reports

The has been fradulent transactions made on my account
Product: Credit reporting or other personal consumer reports

This is the refilling of my complaint to US BANK. I accept that my data is being abused and detailed as wrong. In my credit report I discovered some slanderous things that I didn't know about. I found late payments which never occurred and accounts with mistaken data, like payment history, status, balances, and date of last activity. As per 15 U.S.C. Area 602 and 15 U.S.C. Segment 604 A Part 2, I have the right to protection and a buyer revealing office can't outfit a record without my written instructions. I have attached the FTC report to support my complaint with the FTC report number XXXX.