23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Caine & Weiner did not respond to my verification request within thirty days. I challenged the Caine & Weiner to provide proof that we have a contract for any services rendered or compensation which gives the debt collector the right to do. If Caine & Weiner cant provide such proof, the companys acts are considered false and misleading pursuant to 15 Usc 1692e ( 2 ) ( B ). According to 15 USC 1692j ( a ), It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. Didnt Caine and Weiner purchase this debt or was it referred? 15 USC 1692e ( 6 ) ( B ) states that the false representation or implication that a sale, referral, or other transfer of any interest in a debt shall not cause, I, the consumer to be subject to part of the FDCPA. I challenge you to prove that you not violating the FDCPA under penalty of perjury. I have sent a cease and desist letter and demand you to cease all forms of communication immediately pursuant to 15 USC 1692c ( c ). Again, communication is the conveying information to person directly or indirectly through any medium. You are reporting an alleged debt ( conveyed information ) to a person ( consumer reporting agencies through a medium ( consumer report ) medium. My consumer report is my reputation in commerce to which you are inducing injury. Caine and Weiners failure to comply may result to litigation under 15 USC 1692k
Product: Credit reporting, credit repair services, or other personal consumer reports

On my Equifax report it shows that XXXX XXXX was 60 days past due on XX/XX/2016. I was never past due on my payments so this is very inaccurate. I a made all of my payments on time. I've filed a dispute with them but the late payment is still showing on my credit report.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the + XXXX breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that! was in fact a victim of this data breach and XXXX has done nothing. 
Please help me delete these illegal accounts from my credit reports.
Product: Credit card

On my Best Buy CITI credit card ending in XXXX I have a fraud charge from XX/XX/XXXX that I can not get resolved. 
On XX/XX/XXXX I was charged {$860.00} from XXXX XXXX  XXXX, this is a fraud charge and I notified CITI. 
On my XX/XX/XXXX statement the charged appeared and an adjustment of {$860.00} appeared. 
On my XX/XX/XXXX statement {$860.00} appeared as XX/XX/XXXX and {$860.00} appeared as XX/XX/XXXX. 
On my XX/XX/XXXX statement an adjustment appeared for {$860.00}. 
On my XXXX - XXXX statements only interests appears on the {$860.00} I have contracted CITI about every month about this. Everyone that I have talked to agrees that the {$860.00} was not credited back to my account and every time I talk to them they say they need 30 days to resolve it. 

Today XX/XX/XXXX I spoke to XXXX in the fraud department and she agrees that the {$860.00} was not credited back to my account and she opened up another investigation and wants 30 - 40 days to resolve the issue. I told her this has been going on since XX/XX/XXXX and that time period is unacceptable. 

I am hoping that you can help with this matter.
Product: Student loan

Navient employees are repeatedly calling and leaving messages on phone numbers I have asked them to remove and do not call ....
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX says I owe money to American Express and XXXX bank!! Both accounts are paid off ; however, they refuse to correct error!!
Product: Prepaid card

Back in XX/XX/year> XXXX XXXX XXXX XXXX XXXX charged my card for merchandise I did NOT request. I was told by Bank of America that the charges were pending and NOTHING could be done until they posted. I did not authorize and waited for the transactions to drop. 1 transaction dropped off, but the other did not! XXXX XXXX XXXX even sent a letter to Bank Of America on my behalf regarding this issue. I NEVER received ANY merchandise from this transaction as I did not authorize it! Now Bank of America has denied my claim! Bank of America is well aware that. I did not want to get anyone in trouble but Bank Of America knew those cards were getting compromised and often times REFUSED to give clients their money back! This is the 3rd time this happened with Bank of America!
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against TransUnion for failing to comply with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681i ( Reinvestigation of Disputed Information ) and 15 U.S.C. 1681e ( b ) ( Accuracy of Credit Reports ).

I have previously disputed inaccurate information regarding an account with XXXX XXXX XXXX that is being reported on my credit file by TransUnion. Despite providing supporting documentation to prove that this information is incorrect, TransUnion has failed to properly investigate and remove the inaccurate reporting. Furthermore, this account is not being reported by the other two major credit bureaus, further demonstrating its inaccuracy.

This erroneous account is negatively impacting my credit score and my ability to obtain financial opportunities. Under the FCRA, TransUnion is required to ensure maximum possible accuracy in credit reporting and to conduct reasonable reinvestigations when consumers dispute inaccuracies. TransUnions failure to correct this error is in direct violation of federal law. 

I am requesting the immediate removal of the XXXX XXXX XXXX account from my TransUnion credit report and a written response confirming the correction. If this matter is not resolved promptly, I am prepared to escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursue legal action if necessary. 

Please consider this letter as a formal demand for compliance with the FCRA. I expect a response within 30 days, as required by law.
Product: Debt collection

In XXXX I had a vehicle repossessed after former employer bounced checks. " XXXX '' from United Finance told me the day it was repossessed that paying for it in full was " not an option '' and that the vehicle would go to auction and I would be stuck with the balance owed. During attempts to collect debt XXXX was on my XXXX account and he would call me when I posted food like XXXX XXXX saying " You can afford to eat out, you should be able to afford paying your bill. It sure looks like you eat a lot '' and I took that as a personal attack on my weight. It was then I let him know never to contact me or I will pursue legal action. I had ignored phone calls from United Finance for years and after letting XXXX the manager at the XXXX branch know why I assumed they just gave up. I was never served any paperwork and never notified of any court date, but now that I've gotten a job years later I am being garnished. This has caused a lot of emotional stress in my life as things are tough enough having to deal with COVID and getting a " normal '' job for the first time since XXXX, I've been a self-employed entertainer most of my life. 

On XXXX XXXX some friends of mine called United Finance to find out what it would take to pay off the debt as a XXXX Gift. " XXXX '' said he needed me to call and give permission to talk to them. My friend called and pretended to be me and told XXXX he could discuss my account details with my friend. At that time he was very rude and said " Come up with {$5300.00} by Friday or {$6500.00} over the next 30 days and we can call it good ''. Garnishments started on XXXX XXXX, I've now lowered my XXXX so I can have money to live and pay bills after finding out about the garnishment. I'm almost willing to quit my job, this is creating so much stress in my life. United Finance is the worst finance company in my opinion and they are absolutely dishonest, they take advantage of people not knowing the law, and they scam people every chance they get.
Product: Checking or savings account

This complaint is about Chase Bank.

Chase has drawn my funds on altered checks. And Chase has never notified me about the fraud, even after a third party bank had detected the fraud. Chase is denying my claim due to time frame. If Chase had notified me, I should have been able to file claim a lot earlier.

1. On or about XX/XX/2019, I dropped two mails in post office drop box, one mail with a check # XXXX of {$17000.00}, payable to Internal Revenue Service ; the other mail with a check # XXXX of {$5900.00} payable to XXXX XXXX XXXX. My checking account is with Chase Bank. Later I noticed the funds were drawn from my account. 

2. On XX/XX/2019, a third party bank XXXX XXXX  called me, told me that there was fraud involved with these two checks.

3. I checked with Chase, the " Pay to the order of '' part had been altered for both checks. And the checks were cashed at XXXX XXXX. 

4. On XX/XX/2019, I immediately filed claim with Chase Bank. I was told by a Chase banker that my funds would be returned to my account within about 11 days.

5. But on XX/XX/2019, XXXX notified me that they were denying my claim because my claim was not filed within time frame.

6. On XX/XX/XXXX, I reported the fraud to police department.

7. On XX/XX/XXXX, I escalated my claim to Chase Executive office.

Chase has drawn my funds on altered checks. And Chase has never notified me about the fraud. I learned it only from a third party bank, which is XXXX XXXX. 

So far, Chase still refused to approve my claim.
Product: Debt collection

I consolidated my debt ( not bankruptcy but it was the closest choice ). At the time my bank was Santander. I had a checking account, a savings account, a {$5000.00} line of credit and a credit card. I did not owe anything on the line of credit, which is on my credit report back in XXXX, whatever I owed was paid. In XXXX of XXXX I consolidated all of my debt including the Santander credit card ( {$7200.00} ), this card was settled in my consolidated debt for {$1800.00} Ever since I this was settled XX/XX/XXXX they have given this debt to collection agencies trying to collect on this settled debt. Even in the same year it was settled for {$1800.00} XX/XX/XXXX. So on my credit report it shows this same debt as a in collection/charge off in XXXX & XXXX. These collection agencies keep calling me trying to collect this settled debt that has been taken care of, its accruing interest. It is effecting my credit and my ability to purchase a house, they have turned the interest in to the IRS and {$1000.00} has been taken from my refund for 2 years in a row because of this bank. I have arrachedthe letter closing my line of credit with a {$0.00} balance with the business card the lady at the bank attached to the letter just in case there were questions, I have attached exhibit A, Schedule of Creditors Debt, I have attached the debt settlement letter from XXXX and I have attached a collection letter, I periodically receive letters but every day Im getting phone calls continuously trying to collect a debt that has been settled. I am seriously upset and I need your help please.
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 : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list 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

XXXX XXXX was not a company I'm familiar with, I do not own them money nor have any contract with them. 

According to Fair Credit Act 15 USC 1681
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report appears to have been corrupted. I was looking over my records once more when I discovered many items that were not mine. Since I'm a stickler for details, I discovered that you are required by law to remove and prohibit any things that are determined to have been opened as a result of identity theft under section 605b of the FCRA. I do not own the objects in dispute. I've attached the FTC Report that you need ( found through additional research that both parties requested ). You should block or delete these files. 
XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ; XXXX XXXX XXXX XXXX, XXXX  XXXX ; XXXX XXXX Balance : {$4600.00} ; XXXXXXXX XXXXBalance : {$520.00} XXXX XXXX XXXXXXXX Balance : {$840.00} ; XXXX Balance : {$520.00} ; XXXX XXXX XXXXXXXX Balance : {$2200.00} ; XXXX XXXXXXXX Balance : {$840.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$4300.00} ; XXXX Balance : {$5500.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$270.00}.
Product: Checking or savings account

This is not a duplicate complaint. I informed chase bank that my delay in notifying them was due to extenuating circumstances and they did not extend the time as pursuant to 12 CFR Part 1005.6 ( b ) ( 4 ). In the attached letter from chase bank, you will see that they refer to the 60 day period which means they are aware of 12 CFR part 1005.6 ( b ) ( 4 ) and chose to ignore it.
Product: Credit reporting or other personal consumer reports

During XXXX, I was given XXXX deferred payments, which were supposed to be added to the back of the loan. On XX/XX/XXXX, the loan reached its full original maturity, but the company demanded full payment, despite the XXXX deferred payments. I made my regular payments in XXXX, yet they reported to the credit bureau that I didnt pay on time, which is incorrect. I made a payment in XXXX and paid the entire remaining balance of {$720.00} on XX/XX/XXXX. 

I spoke with the compliance XXXX about the XXXX payment being reported late, but she refused to acknowledge that both payments had been made. I also emailed the CEO but received no response. In retaliation, the compliance XXXX then reported to the credit bureau that I was late for the XXXX payment as well, even though I had paid the full remaining balance on XXXX. This is poor business practice, and I have all my receipts proving that the payments were made on time.
Product: Credit card or prepaid card

I contacted Wells Fargo about the fraud on my account. I woke up to texts on my XXXX about charges made by someone at a casino I have never visited. In fact I was asleep when the incident happened. The charges where made from XXXX TO XXXX. I was at my home asleep. I called and alerted the credit card company immediately. The filed the dispute incorrectly. The failed to include all the fraudulent charges made on the card. I have been back and forth with them trying to resolve this issue. I filed a fraud claim with the credit card company and have not heard anything else from them.
Product: Checking or savings account

I am writing to express my dissatisfaction and concern regarding the recent involuntary closure of my joint checking and savings joint accounts with my husband, which we have held at Bank of America for the past XXXX years. The closure mail I received was on XXXX XXXX, 2023. 

Throughout the duration of our account, I have maintained a responsible and cautious approach to my checking activities, ensuring that I never overdraft and consistently making timely payments, including settling our credit card dues promptly. However, to my surprise and dismay, we received a letter from Bank of America last week, notifying us of the decision to close both our checking and savings accounts. 

This abrupt and involuntary closure has caused significant disruption to our financial management, particularly in handling recurring payments such as utilities and other essential expenses. 
The sudden closure of our accounts has not only inconvenienced us but has also created an unnecessary and avoidable challenge in managing our day-to-day financial commitments. I am writing to formally file a complaint against this decision and to seek a thorough review of the circumstances leading to the closure. I tried to contact bank to see whether is there any identity theft to jeopardize my fund security and the bank refused to disclose anything. 

I kindly request your prompt attention to this matter and a comprehensive investigation into the reasons behind the closure. Additionally, I would appreciate clear and detailed information on any steps that can be taken to rectify this situation and reinstate our accounts. 

Thank you for your immediate attention to this matter. I trust that, upon review, a fair resolution can be reached to address the inconveniences caused by this unexpected account closure.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( XXXX XXXX XXXX ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). Specifically, Cash App failed to take timely and effective 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 resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress ( XXXX  XXXX ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). Specifically, Cash App failed to take timely and effective 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 resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to the incorrect late payment on for credit report for XXXX XXXX XXXX. I have always paid my bills on time and my record on my credit report shows that. It has been well over 30 days and I haven't received any changes due to company error.
Product: Credit reporting, credit repair services, or other personal consumer reports

My File number is XXXX To whom this may concern, Trying to read all my credit reports and scores from the credit reports. XXXX, XXXX And Equitax. The page kept saying inactive status and needs to close. Not the word for word on how error was given. Time out. I didn't even get a chance to go over everything in all 3 Reporters plus the Annual credit report. 
Not given the chance to dispute all the Incorrect information I did see. Many investigations on existing very old problems nurmgouse dates already done. Imporoper use of my reports shared without my consent. Credit inquiries from unknown sources more than once without my permission. Many unknown collectors I haven't a clue what they are. Wrong addresses and phone numbers in my credit reports as well as places of employment I have never worked for. Many Consumer reporting agencies reported outdated negative information as well. 
It's a wonderful anyone would give me credit! Very disappointed and extremely upset my credit reports of what I did see was a complete mess! 
I do have a right to read all of it and try and fix it as much as possible and get it more presentable for when my report is looked at that perhaps I got a better chance without someone else 's stuff on it. 
Inaccurate information put on my credit report as done has cost me a lot more than realized. These reporting agencies are crazy mad it seems Please if someone could possibly get back to me ASAP it  would be so appreciated. 
Thanks so much! 
I will be writing/calling XXXX Consumer Relations regarding this.
Product: Debt collection

On XX/XX/2020 a bogus judgement was filed against me, and a lien in Small Claims Court. 
I have inform the company several times that I do not owe the debt they are claiming I owe. The amount originally started out approximately XXXX and now has accelerated to approximately XXXX. 
The creditor kept reselling the paper to other companies over the years. I paid a credit repair company to assist me in resolving the matter, but as of to date they have been ineffective. 
All I got was a judgement and a lien against me, without a court date to appear. I have spoken directly to the law firm representing the creditor and I ask them to present to me documentation with my signature, but as of to date they have not.
Product: Credit reporting or other personal consumer reports

Experian has violated my consumer rights by reporting inaccurate information. The creditor has also violated my consumer rights by reporting inaccurate information to Experian. The creditor has not validated the 30-day late payment and is willfully causing further injury to me. I will submit another complaint for an opportunity to cure and expect this matter to be resolved immediately. I received a copy of my credit report, and I have found the following item to be an error. XXXXXX/XX/XXXX XXXX OPEN DATE : XXXX/XXXX/2021 - ACCT # XXXX ACCORDING TO RECORDS /ACCOUNT BALANCE OF {$24000.00} and HIGH BALANCE OF {$41000.00} According to 15 USC 1666b A creditor may not treat a payment on a credit card account under a consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21days before the payment due date. I NEVER gave Experian Reporting Agency OR XXXX XX/XX/XXXX any written instruction to furnish any information on my consumer report, which violates 15 USC 1681b ( 2 ). Experian Credit Reporting Agency has caused severe stress and anxiety due to its abusive and unfair practices. This is a violation of 15 U.S. Code 1692 ( a ) Abusive Practices,15 U.S. Code 1681b ( 2 ), and 15 USC 1666b to which there exists liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for $XX/XX/XXXX per violation, for unauthorized credit reporting listed without my expressed written consent.
Product: Credit card

i have no knowledge of these accounts and i never gave any permission for anyone to use my name for anything.