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 15 USC 1681. 

XXXX XXXXXXXX XXXX XXXX Account 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, credit repair services, or other personal consumer reports

On XX/XX/2022 approximately 6 months ago XXXX XXXX XXXX, the original creditor opened an or placed an account for collection without my knowledge! I was receiving phone calls after phone calls from a collection agency that at the time I had no knowledge of. On XX/XX/2022 MIDLAND CREDIT MANAGEMENT revealed themselves on my credit report with a balance of {$480.00}. I am being taken advantage of by XXXX, XXXX, and XXXX. These three companies are violating my rights given to me by the FCRA ( Fair Credit Reporting App ). I DID NOT give them permission to access my NON PUBLIC PERSONAL INFORMATION nor did I CONSENT for them to furnish anything on my consumers report. According to 15 USC 1681 ( b ) ( 2 ) my permission is needed for ANY PERSON to access or furnish anything on my consumer report! Yet once again that permission was not granted by me. Not only are inquires being reported without due cause, but my rights to privacy has been infringed upon due to these fraudulent and inaccurate reporting. I have a right to privacy according to 15 USC 1681 ( a ) ( 4 ). I demand that each and every item I disputing to be removed. There is no way any person can validate fraudulent activity! Due to my identity being used without my consent this is basically theft as defined by 18 USC 1028 ( a )! Please remove all request as soon as possible. Thank you!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Compliance Department XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Dispute of Reporting and Request for Immediate Action Account # XXXX Dear Compliance Department, I am writing to formally dispute the reporting and handling of the referenced account, which appears to violate several provisions of the law. This account was charged off and, as such, no further charges or reporting should occur. 
Violations of Federal Law 1. 15 U.S. Code 1692 ( c ) : I have not granted XXXX XXXX XXXX or any associated entities permission to communicate with me via my credit report. Such reporting constitutes unauthorized communication. 
2. 15 U.S. Code 1692 ( c ) : I did not provide consent for XXXX XXXX XXXX to report or share my information with XXXX or any other third party. Without my explicit consent, this reporting is unlawful. 
3. 15 U.S. Code 1692 ( d ) ( 2 ) : The continued reporting of this account is causing undue harm to my reputation, resulting in credit denials, housing application rejections, and financial stress. Such conduct constitutes harassment. 
4. 15 U.S. Code 1601 : The continued reporting of this charged-off account violates federal guidelines and my consumer rights. 
Additional Context This account was charged off with a balance of {$1400.00} and was transferred to XXXX XXXX XXXX, as outlined in your correspondence. Despite the charge-off, your entity continues to report and potentially accrue charges on this account, which is unlawful and against established practices for charged-off debts. 
Request for IRS Form 1099-C Furthermore, as this account was charged off and treated as a loss by the original creditor, I request a copy of IRS Form 1099-C for the tax year XXXX. Charged-off amounts are considered taxable income, and I require this documentation to accurately file my tax return. 
Demands 1. Immediate Removal : Cease all reporting of this account to all 3 credit bureaus. 
2. Verification of Actions : Provide written confirmation that this account is no longer being reported or handled unlawfully. 
3. IRS Form 1099-C : Send the requested documentation to my address promptly. 
Failure to address these issues will leave me no choice but to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and other relevant authorities. 
I trust you will address this matter promptly and provide a written response within 15 business days of receipt of this letter. 
Sincerely, XXXX XXXX
Product: Credit card or prepaid card

Follow up complaint ID XXXX Capitalone reply did not address my concern at all, it did play games. 

Please read carefully my complaint and their reply. 

They did not address the actual issue. 
It is not for a credit, but for a charge which I did not purchase ( cancel ). 

I need you give me Capitalone higher level manager office email and phone so that I can contact them, I consider CapitalOne credit not good, I will not use them any more if they do not fix. 
Thanks. 

XXXX XXXX
Product: Credit card or prepaid card

To Whom It May Concern, I have a personal credit card with HSBC Bank. I have a credit balance on my card of {$150.00} ( meaning the bank owes me {$150.00} ). I requested that HSBC send me a check for my credit balance, but they have refused. 

I originally requested this check on XX/XX/XXXX. I was told the request was processed. 

After not receiving the check, I followed up via online chat on XX/XX/XXXX and was informed by the customer service representative that a check was mailed on XX/XX/XXXX. 

After again not receiving the check I followed up with the bank on XX/XX/XXXX via online chat and was told that it can take up to 7-14 business days for the check to arrive and that yes they had sent it to me. 

After still not receiving the check I sent a secure message to HSBC on XX/XX/XXXX to ask about the status of the check and to inform them that a further delay in getting this check was not acceptable. 

HSBC responded on XX/XX/XXXX indicating that they would not send me a check for my credit balance even though my most recent statement indicates they owe me {$150.00} in cash. 

I am requesting that the bank honor its debt to me and issue a check for the balance on my account. 

Thank you to all for assistance in resolving this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

On XX/XX/XXXX, I spent several hours on the phone with GC, which is a debt collector for XXXX, and they took my personal information including new address and phone number. I received emails with documents to sign that were docu-sign and none of my personal information was updated on these forms. These forms look like the same forms that are on the studentaid.gov website that is filled out for paying back the loans. I had my wages garnished in XXXX without my knowledge for a while until my employer told me, or actually, the payroll debit was who told me, it was money network who told me, which was odd, and then my XXXX tax return of {$1300.00} was taken for the tax offset. 


Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX Debt XXXX, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of debt XXXX  and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Wells Fargo has engaged in unfair acts and practices in violation of the Consumer Financial Protection Act. Wells Fargo fails to return consumer funds in a timely manner after closing consumer accounts. Wells Fargo engages in the deceptive practice of lying about mailing the check after closing of the account, and then the bank unlawfully withholds consumer funds for 90 days for what it calls a " waiting period '', without recourse, without paying interest, in violation of the law. 

I had a checking account with Wells Fargo with a balance of {$6000.00}. Wells Fargo closed it on XX/XX/2024. Wells Fargo failed to return my money to this day. 

On XX/XX/2024, I visited a Wells Fargo branch and asked for my funds, they said they are unable to do to so and can only mail me the check. I waited for weeks, no check. I called them, they claimed they mailed it but failed to provide me with any tracking info. They sent me a " declaration form '' that I need to sign in order to re-issue the check. The declaration form contains provisions asking the consumer to defend and indemnify them for any legal action involving fraud with the check. This is very oppressive and deceptive practice, since Wells Fargo is asking consumers to shoulder the burden of Wells Fargo 's legal fees, for a check that Wells Fargo negligently failed to provide tracking on. It was Wells Fargo 's responsibility to deliver checks with tracking confirmation to make sure it reaches the consumer. 

On XX/XX/2024, I called Wells Fargo again to inform them I refuse to sign the declaration form, I asked about proof that the check was mailed to me, the rep informed me there is no tracking info and that the check went out regular mail. I was also informed that even if I signed the declaration form, there would be a 90 day " waiting period '' to get the new check. That's when it occurred to me what Wells Fargo is doing : they are lying to consumers about mailing out checks, and keeping consumer funds for 90 days, without recourse, without paying interest. This practice is in violation of banking laws and consumer protection laws. Someone needs to look into Wells Fargo 's illegal practices in order to protect consumers.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my MULTIPLE submissions over the course of XXXX years, Experian consistently responds within an unreasonable 24 hours stating the account is accurate, without providing ANY evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), XXXX U.S.C. XXXX ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with the necessary proof of investigation. 

The accounts I REQUEST BE REMOVED are as follows : -Account XXXX, an illegal Collection not belonging to me ( Reported a total of TEN times since XXXX that Experian unethically " investigates '' each time ) -Inquiry from 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

Items are unknown to me, therefore I will need something in writing for the XXXX charges
Product: Credit reporting or other personal consumer reports

Account Name : XXXX Account Number : XXXXXXXX XXXXXX/XX/year> Reason : I don't recognize this account
Product: Debt collection

XXXX XXXX XXXX repeatedly harasses me for XXXX XXXX payments that are not overdue. Starting in XX/XX/2023, the company began calling and sending me letters for overdue payments that were not overdue. In XXXX, the payment owed was posted on the portal on XX/XX/2023. I paid the bill via the portal on XX/XX/2023 and received an email confirmation. The next day, I received a phone call telling me my bill was overdue and needed to pay the balance. I explained to the rep that I paid and received an email confirmation for payment. I spoke with an account manager about it later that week, but still received a notice about a week after that, indicating that my payment was overdue. I checked the portal and I still did not have a payment due and the next bill was not posted. On XXXX XXXX, the next payment was posted and I paid it on XX/XX/2023 with email confirmation and the payment showing in the billing history. About ten days after this I received another notice that this payment was overdue. I receive no notices when these payment due notices are posted and I'm still paying promptly. The payments on the portal are not visible when they are posted as I checked it a few days prior to my XXXX payment and did not see it. I paid it as soon as it was visible. I submitted a complaint with the XXXX XXXX XXXX  on XX/XX/2023 about these practices. This is the initial response that I received : " Since you have elected to forego auto-pay, this does increase your chances of being notified of a past due bill since these bills have not been paid on time since XXXX. I can assure you that you are not, at this point, being dinged or reported to any credit bureau agencies. '' However, today, XX/XX/2023, I received a notice from a debt collector ( A.R.M Solutions ) that I owe {$34.00} as of XX/XX/2023. However, this was paid on XX/XX/2023 ( 7 days after being posted ) and I currently have a {$0.00} balance.
Product: Debt collection

LVNV funding is trying to collect a debt that they can not validate as mine. They refuse to provide bill of the original creditor explaining how they came up with the amount they claim owed etc and are reporting the account as open when it is closed meaning inaccurate information to XXXX and XXXX. They also have not provided any copies of Contracts showing the original Debt they bought as mine to begin with and are trying to collect on a debt that is unverifiable and inaccurate. The credit amount owed is incorrect and has not been validated. They refuse to provide or show any proof of contract showing tht the debt was ever mine. Id like it to be removed from my credit reports and for the bureaus to delete this from my account
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, XXXX XXXX account XXXX XX/XX/XXXX, XXXX  account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX account XXXX XX/XX/XXXX, XXXX XXXX account XXXXXXXX XXXX XXXX XXXX XXXX XXXX  account XXXX XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have these accounts that are not mine and i want them to be removed from my credit. 

1. Identity Theft XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX  Account Number : XXXX This is not mine.
Product: Money transfer, virtual currency, or money service

Hello, I bank with Bank of America and I had a account for about 6 months. So I lost my bank card last week and i didnt notice until I received an email about somebody trying to cash a check into my account for {$40000.00}. Now Im XXXX XXXX XXXX, this is troubling for me for future reference. My account was closed due to such thing.
Product: Credit card

I have a credit card and checking account with Discover. I missed my payment because I have been trying to call and they have blocked my calls. It says We cant service your call l had questions about my checking account and questions about my bill along with other concerns. Someone contacted me on XX/XX/XXXX and I was on a long distance call and asked them to call me back in XXXX minutes but never got a call back. Also l received a letter from someone name XXXX in the Executive Office and that number is blocked as well and I cant get through, Im literally crying because I dont understand why Im blocked and Im a customer with questions and concerns. Plus was trying to make my payment on time.
Product: Credit card or prepaid card

I opened a credit card with XXXX, serviced by Wells Fargo in XXXX of 2022. I am trans, and they opened the account with the wrong legal name, address, and phone number, without confirming my identity, which is a XXXX violation. I noticed the discrepancy at the end of the month, and attempted to contact Wells Fargo to correct the issue. After a 3 hour phone call, I was informed that I would have to provide additional information so they could verify that I exist, and provide them with my ID. On XX/XX/XXXX, I went to a local branch in XXXX, and provided my ID card, and answered their questions, and was told that the situation was addressed and that my name had been changed. On XX/XX/XXXX, I was provided an email that they considered this to be fraud, and had closed my account because I was trans. This is discrimination under the basis of XXXX, per XXXX XXXX XXXX XXXX, which is a violation of Reg B. I attempted to gain additional information about this, and was told to talk to the credit bureaus who had no information as to why I had my account closed. I now have a late payment on my rental payment, due to this, as well as a hit to my credit report as opening a new card impacts my credit score.
Product: Credit card or prepaid card

I previously filed a complaint with you ( XXXX ) and the bank resolved it and removed the interest that was on the account inaccurately. It is for Account # XXXX XXXX XXXX XXXX. 

Since it took more than the one statement period for them to remove that inaccurate interest, I am now being charged {$14.00} interest on that inaccurate interest balance. 

I tried to resolve it and the same outcome as last time, the rep just said that since there was a balance ( even though inaccurate ) at the end of the statment period I am responsible. I am not responsible for inaccurate interest. 

If you need more to attach all of the statements again or a copy of the previous complaint that was resolved, let me know. This was BoA 's previous response showing I didnt owe the balance. 

Company 's Response On XX/XX/2019, we spoke with Ms. XXXX regarding her complaint. During our conversation, Ms. XXXX, advised us that she went online and confirmed that her account had a XXXX balance. I advised her that I was contacting her to confirm she was aware that the Interest Charges had been adjusted and her account had a XXXX balance. We explained to Ms. XXXX that the service she received had been elevated to the appropriate level of management to ensure we continue to uphold our high standard of excellence. Interest Charges accrue daily on the balance until the payment is received in full. At the time the previous monthly billing cycle closed, Interest Charges through that date were included based on the previous unpaid balance. The XX/XX/2019 monthly billing statement reflects all the Interest Charges accrued from XX/XX/2019, through XX/XX/2019, which was the date the payment was received. 
MONETARY RELIEF AMOUNT {$440.00} Thank you, XXXX XXXX
Product: Debt collection

I am writing to formally dispute the presence of a fraudulent collection account on my credit report. After a careful review of my credit report, I have identified an entry for a collection account that I believe to be inaccurate and the result of fraudulent activity. 
XXXX XXXX XXXX XXXX PLEASE DELETTE!!! 
I want to emphasize that I have no knowledge of any such collection account, and there has been no legitimate reason for such an entry on my credit report. The inclusion of this fraudulent information is not only damaging to my creditworthiness but also inaccurate. 
I am requesting an immediate and thorough investigation into this matter, with the ultimate goal of removing the fraudulent collection account from my credit report. As a victim of identity theft, I am taking all necessary steps to rectify the situation and prevent any further damage to my financial standing.
Product: Debt collection

Im constantly called almost everyday sometimes by different numbers start with ( XXXX ) and never leave a voicemail. I asked for a dept validation letter sent to email XXXX and never received it to this email. The dept validation sent to a separate email contained extra charges onto my dept that is not included in my lease agreement for example the lease termination fee of XXXX and the pest control bill, carpet replacement, and cleaning charges. These charges are inaccurate. I included all the photos of how the apartment was left and my multiple maintenance request for the bug issues and how I attempted to pay my HALF of the rent and was denied to do that due to my secondary tenant XXXX XXXX refusing to pay and me being unemployed due to XXXX and on top of not being approved in time by the hope program to assist with the rent because the apartment refused to send over the required information. Please stop contacting me if its not to accurately verify this dept. if any additional proof is needed on my end please let me know
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible.XXXX XXXX {$3200.00} XXXX XXXX {$17000.00} XXXX XXXX {$19000.00} XXXX XXXX XXXX {$270.00} XXXX XXXX XXXX {$120.00} XXXX XXXX XXXX {$55.00} XXXX XXXX