23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX, and XXXX are consumer reporting agencies and I am the XXXX. I have the right to make sure my private information isn't shared which is backed by XXXX5 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Discover Bank is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Discover Bank, the financial institution and the Consumer reporting agencies XXXX, XXXX, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX, and Discover Bank whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Discover Bank never informed me of my right to exercise my nondisclosure option. Not only that but it states in 15 USC 1681C ( a ) ( 5 ) " Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX, and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$5100.00}
Product: Checking or savings account

On XX/XX/2022, at XXXX XXXX, I attempted to access my account using the Bank mobile XXXX XXXX on my XXXX. " BankMobile '' is owed by XXXX XXXX  XXXX XXXX, XXXX, FDIC XXXX # XXXX. On XX/XX/2022, between XXXX XXXX and XXXX XXXX, I attempted to access my banking information using the online web portal and calling the phone number for XXXX access, and no information was available. At XXXX XXXX XXXX, I called the number on the back of my debit card and spoke with a Customer Service Rep named XXXX. She said the systems were unavailable, and there was no time when somebody would have the problem fixed. It may take a few days. I explained this is unacceptable for a virtual bank with no other way to access other than online tools. I also sent a message via XXXX to the CEO stating the concern and need for more information. 
My complaint is that the company is not providing any information, and the problem began on Friday, XX/XX/2022. In addition, the bank appears to be in trouble, which can impact millions of students using BankMobile to receive government assistance to pay for classes.
Product: Credit card or prepaid card

XX/XX/21, I received a TD Bank debit card in mail. I know I did not apply for one. Several months ago, I identified a claim for NJ Unemployment benefits opened in my name ; so this may stem from that. I called TD bank who stated there already was a block on the card so no one can use it, and my complaint that this account was opened fraudulently may speed up their investigation. i was told the card can not be used and my the account opened in my name was notated of the possible fraud. TD bank directed me to contact the FTC regarding this breech.
Product: Credit reporting

My personal information was compromised. I receieved a letter from XXXX letting me know my was XXXX of the acccounts with identity theft. I am working along with XXXX to restore.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day XXXX days later I have not received a response. I feel as if I am being taken advantage of and my disputes are being ignored. Section XXXX ( a ), states that a failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report, and it has been well over XXXX days so they should be deleted promptly. I demand these unverified accounts be deleted, and any late payments that cant be verified be removed and updated to paid as agreed. My information was also impacted by the Equifax data breach. Unauthorized accounts XXXX. ) XXXX XXXX - XX/XX/XXXX, XXXX. ) XXXX XXXX XX/XX/XXXX. XXXX. ) XXXX XXXX XX/XX/XXXX. XXXX. ) XXXX XXXX XX/XX/XXXX. XXXX. ) XXXX XXXX XXXX XX/XX/XXXX.
Product: Debt collection

Hi, I have started receiving a letter from Dynamic Recovery Solutions indicating the current creditor is " XXXX XXXX XXXX XXXX XXXX '', the current account no. is XXXX, and the original creditor is " XXXX XXXX. '' This credit agency is trying to collect almost {$350.00} from me on a very old XXXX XXXX account that I had nearly 15 years ago! I recall paying this account. I have contacted both XXXX XXXX XXXX XXXX XXXX and XXXX XXXX now for months and I am getting no where with either XXXX of these companies. 

When I contact XXXX XXXX XXXX XXXX XXXX they can not provide me with my " original '' account number, and when I call XXXX XXXX they tell me to contact XXXX XXXX XXXX, and XXXX XXXX is unable to pull-up my account with my social security number. 

I have a good credit score and I do not want this going on my credit report, but I recall paying this, and also due to how long ago I even had this account, I feel the statute of limitations has run out. 

Please help me! I am getting no where with either XXXX of these companies and as I mentioned XXXX XXXX can not even locate my account. I feel as if my cell phone record with the company has been purged due to how long ago I even had a cell phone with XXXX XXXX. 

I have disputed this charge with the credit collection agency ( e.g. Dynamic Recovery SolutionsXXXX ), and now they are sending me a letter stating that I have 60 days to prove I paid this account. 

I have no bank statements indicating I paid this account because I have not banked with anyone in the state of Alabama since XXXX, and I believe this account was closed in XXXX or XXXX. I now reside in Ohio. 

The contact information for the crediting agency that is trying to collect on this old account is : Dynamic Recovery Solutions XXXX. XXXX XXXX XXXX, SC XXXX Phone number : XXXX XXXX However, it also states on the letter that " XXXX XXXX XXXX XXXX XXXX '' is now the current owner. The customer service phone number for XXXX XXXX XXXX is XXXX XXXX XXXX XXXX, and a website listed on their letter is XXXX 

Please help me with this. I recall paying this XXXX XXXX account in full, but XXXX XXXX is unable to pull-up my account because the account is so old, nearly 15 years ago is when I had a cell phone with XXXX XXXX. Both companies are not communicating well with me at all. Since XXXX XXXX can not pull up my account, I have no way of showing that I did pay this bill. I have no bank records because I have not banked with an Alabama bank since XXXX. I am now living in Ohio. 

Again, I feel that this account is too old for anyone to try and start collecting on it. Has n't the statue of limitations ran out? And even if I did n't pay this bill it would have winded-up on my credit report and dropped off by now. Can someone legally put something back on my credit report once it was on there previously for seven years and then dropped off? But again, I remember paying this bill in full. I 'm just trying to think of all scenarios possible. 

Thank you very much for your assistance. 

Sincerely,
Product: Debt collection

This company has been putting things on my credit report that I do not owe for. Originally my debt was sent to another company. I paid XXXX originally back in XXXX of 2016. Now they have sent this to another company. In all this has cost me nearly XXXX point on my XXXX score.
Product: Credit reporting or other personal consumer reports

I am interested in processing disputes on my credit report to delete an remove all inaccurate information that is hindering my credit report. looking over my credit report this has been an ongoing issue that needs to be resolved. alot of data is reporting illegally an fraudulent information that is effecting my entire profile. please review all information submitted in the files to help delete an remove the information submitted asap.
Product: Debt collection

I covered my step children on my health insurance plan because their father refused to during court proceedings. The step children now have outstanding medical bills that the creditor has filed against me on my credit. I have no parental or guardian rights to the children they are still XXXX custody of their natural mother and father. The medical facility billed me as their father even though I proved to them I am not the natural father and have not adopted them. I only covered them as a benefit to them in a time of lack of coverage from their natural fathers responsibility.
Product: Mortgage

I applied for a HELOC with US Bank and they did not provide disclosures on time as required under TILA and Reg Z. I have tried for over a week to provide documents to my loan processor, however she first suggested I send the documents to her in an unsecure method via email. I advised I would need a secure way, and she advised she would set me up on a portal. I have tried multiple times to use this portal, however it is not set up where I can send messages. I have tried calling and I am placed on long holds without resolution. I feel like this is an unfair and abusive practice - I have been placed on many holds without resolution. I am trying to supply what I need to move forward with my mortgage - i am unsure if they are stalling because they know I am in a same sex marriage, or if there is another reason they are purposely delaying this application. At this time, I have been on hold with this XXXX number for 18 minutes and counting. I was transferred here from a sales line, which I was able to get through on in 2 minutes, and was assured their office in XXXX, OR would be able to respond. I am about to hang up and withdraw my application, but I feel like the CFPB should investigate their Reg Z and UDAAP violations.
Product: Credit reporting or other personal consumer reports

I am disputing a collection account on my credit report related to an apartment rental. I provided the landlord with a one-month notice before moving out and vacated the property in XX/XX/year>. All rent and balances were paid in full by the move-out date, and I never missed a rent payment during my tenancy. 

Despite this, the landlord never returned my security deposit or provided an itemized statement of any deductions, as required by law. I was never notified of any outstanding debt, and no communication was sent to me via regular mail, certified mail, or any other method. 

The collection account appeared on my credit report on [ insert date ], and I was not informed of this debt prior to its reporting. I have attempted to resolve this issue by [ insert actions youve taken, e.g., contacting the collection agency, disputing with the credit bureaus ], but the account remains on my credit report. 

I believe this debt is invalid because : I provided proper notice and moved out in XX/XX/year> after paying all rent and balances in full. 

I never missed a rent payment during my tenancy. 

The landlord never returned my security deposit or provided an itemized statement of deductions, as required by law. 

I was never provided with any documents or notifications about an alleged balance. 

I request that this account be removed from my credit report and that the collection agency provide validation of the debt. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX Balance : - ; Bankruptcy XXXX  XXXX-discharged Reference # : XXXX ; Bankruptcy : Discharged XXXX Reference # : XXXX ; XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The manager calls repeatedly 4-5 times a day, from different phone numbers and calls my job as well.
Product: Checking or savings account

On XX/XX/XXXX Capital One sent an email indicating that they were restricting my Capital One 360 accounts until they could verify recent activity and that they may contact me to confirm this activity. The email also indicated that based on the results of the review the accounts may be closed and the balance plus any interest earned would be transferred to my linked external account. On XX/XX/XXXX I called the number listed on my online account and spoke to a customer service representative who informed me that Capital One had decided to terminate my banking relationship with them and was closing the accounts but could not provide any additional information due to an investigation. She said that someone would contact me within 2 business days to provide more information. I contacted Capital One again on XX/XX/XXXX after I didnt receive a call and was automatically routed to a voice mail for Capital Ones Customer Protection Resolution Team due to the status of my accounts and I left a voice mail with the required information ( including account numbers, callback number and name ) expecting a call back within 48 hours as stated on the message. On the same day, I sent a letter to Capital One requesting that someone contact me regarding my accounts and the next steps. I have called back four more times since then and have left multiple messages requesting a callback to no avail. I have also sent another letter on XX/XX/XXXX to the address provided in the email for the Customer Protection Resolution Team with delivery confirmation and have found that the letter was automatically forwarded to another address and has yet to be delivered. At this point, the original balance on the accounts as well as funds from a wire transfer that I was unable to cancel remain frozen on the account without any further communication ( verbal or written ) from Capital One. I have had two out of the three accounts currently locked since XXXX and never had any issues so Im not sure what prompted the investigation or lack of response from the bank. Since I am unable to speak to a person ( I went to one of the branches and they told me to call the same number I have been calling all along ), I would like to file a formal complaint against Capital One.
Product: Credit reporting or other personal consumer reports

In XXXX of 2023 I used a credit software to request a full investigation into items on my credit report because they were inaccurate. I sent my letters to all 3 credit bureaus and did not receive a response for over 2 months from TransUnion and I did not receive a response from XXXX or XXXX at all. When I did receive a response from TransUnion, they stated they wanted to be sure it was me that was requesting the investigation basically a stall letter. I sent another letter requesting a full investigation into the discrepancies on my report and did not receive a response from XXXX or TransUnion but one from XXXX another 2 months later stating the same thing TransUnion stated they wanted to be sure it was me. I responded with a third letter stating I have a right to use credit repair software and I am NOT a credit company. I, to this date have not received a response to any of my letters requesting an investigation nor have they removed the inaccurate information from my credit report. I am trying to move my family into a better living situation and this is impacting my apartment search because of the erroneous items on my credit report. I would like to have the items deleted from my credit reports from all three bureaus please. In addition, I contacted the XXXX XXXX Clerks office to request how they report the bankruptcy to the credit bureaus and they never responded. I am aware they do not report these circumstances to credit bureaus. This bankruptcy being reported on my credit report is also erroneous.
Product: Debt collection

Notice for Proof of Claim Account : Afni, Inc. LP BAL {$640.00} To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill , or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.
Product: Checking or savings account

I had an account with PayPal. My account was in good standing with deposits and debits. I was then a victim of theft-my wallet and other personal information was stolen. I cancelled my debit card and disputed charges with PayPal. And some transactions were refunded. Every day I would check my account and every day there were new fraudulent charges on my account. Because of the fraud, PayPal has now permantently limited my account and is holding my {$100.00} -they state-for 180 days. I have no access to my funds. I was already the victim of theft and fraud and now it seems as if PayPal is doing the same thing. I just want access to my funds and then I will, myself, close my account with PayPal.
Product: Credit reporting or other personal consumer reports

This company published a bankruptcy on my consumer file and provided this information to XXXX, XXXX and XXXX without my written instructions and concent. Although bankruptcies are public record as per 15 U.S CODE 1681 ( a ) ( 2 ) ( b ) my written instructions are required for this information to be published and I have not provided any written instructions consenting to this. 

I also previously requested to know how this bankruptcy was even verified and the response was they received my full social security number from the nationwide consumer reporting agencies. I would like to know who provided authorization to share my full confidential social security number. According to Bankruptcy rule 9037 social security numbers are partially redacted, addresses are partially redacted. I still have not received all of the documentation to how this was verified. Process and procedures of verification have been requested multiple times. 

15 U.S. Code 1681n
Product: Mortgage

Dear Ma'am/Sir I had applied for a home mortgage with wells fargo bank From Day 1 I had informed their representative that I don't have a 2 year employment history yet but he still sent me a pre approval letter and said loan could be processed Based on their OK, I went ahead to submit an offer to the realtor for closing on the property and paid wells fargo to process the loan Wells fargo got the house appraised and appraisal was more than sufficient to process my loan. 
Their representative told me to extend the duration of the contract so that bank can complete its formalities and release loan so l got the date extended Their credit dept kept asking me for 2 year employment history till the last day inspite of telling me them that I don't have one from 1st day of contact with them. 
The contract expired but they did not release the money to buyer I lost the chance to get the house due to delay and negligence on well fargo 's part. 
I had to arrange cash at a very high cost at the last minute so that I could buy the house. 
When I asked wells fargo rep why was I charged this amount when my loan could not be processed, he didn't have an answer.He directed me to call his senior and speak to her I kept calling her but she would not pick.It would go to her voicemail but she would not call back. 
I realized that wells fargo had cheated me by charging me and getting appraisal done for the house even though they knew this loan could not be processed. 

I have attached a copy of all correspondence with them over email and text. 
Regards XXXX XXXX