23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

So here is the story I did everything XXXXXXXX XXXX XXXX asked for me to do with their online banking. They acquired a new bank. I met the deadline and set everything up as the required. On the day they went live with their new online banking I have been unable to access all XXXX of my accounts. I called first thing Monday morning and spent XXXX hours waiting on hold. I finally get a person who says we will have to call you back in XXXX hours. The next day XXXX hours later no call. I call again and they state we will have to call you back in XXXX hours. I can't access any of my accounts and not knowing how much money is in my accounts I had to go to my personal account with XXXX XXXX  withdraw XXXX XXXX XXXX XXXX minutes to a local branch of XXXXXXXX XXXX XXXX and deposit money in all of my accounts to make sure they all have plenty of funds. So the bottom-line is I can't call the XXXX of California and get balances. I can't go online and get balances and transactions activity. This just seems to me a violation not being able to access my bank for 5 days online or by phone.
Product: Credit reporting or other personal consumer reports

I kindly request that you promptly remove the public record from my credit report and make the necessary adjustments. I have attached the required documentation to support my request, and I thank you for your swift action on this matter.
Product: Debt collection

This company is after a debt they believe a family member owes. They have threatend to report a negative credit report and tried to collect payment from me. I never signed up for the internet service or have had an account with them. I never submitted to co-sign or use my information for my family member to get an account. This family member also paid all the fees for early termination and turned in equipment and they are after this person also.
Product: Credit reporting, credit repair services, or other personal consumer reports

After getting a mortage modification at the end of 2013 I know longer am seeing mortgage payments being report since then. We been paying on time since modification was in place and this would be a huge boost to my credit score. I am enrolled in XXXX XXXX credit monitoring tool which also flags things that can hurt your score like unreported mortgage payments because it shows consistency of being on time with large payments and when you don't have it you don't get the advantage of that boosting your creditor score.

I don't know how to fix this. And somethings I've read have made it sound like it has to be researched first but I can't get good info. Like the could there be negative consequences for having reporting of mortgage payments to Wells Fargo before the Chapter XXXX  bankruptcy has gone of my report. I'm confused.
Product: Debt collection

National Recovery AgencyXXXX. XXXX XXXX, PA XXXXDear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify NATIONAL RECOVERY Account Number : XXXX NATIONAL RECOVERY Account Number : XXXX NATIONAL RECOVERY Account Number : XXXX NATIONAL RECOVERY Account Number : XXXX NATIONAL RECOVERY Account Number : XXXX NATIONAL RECOVERY Account Number : XXXX NATIONAL RECOVERY Account Number : XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to XXXX of XXXX. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators reportPlease send me a letter explaining what you have done to : NATIONAL RECOVERY or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I requestThank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXXXXXX XXXX XXXX XXXX, XXXX, NY XXXX
Product: Checking or savings account

On XX/XX/XXXX, received a direct mail offer to open an account, make a direct deposit to checking account and XXXX for 90 days into a savings account to receive a {$600.00} bonus. Upon attempting to open the account online on XX/XX/2022, the appropriate application did not generate despite submitting the one-time promo code applicable to the {$600.00} bonus. I tried to have the application page display properly by trying multiple browsers. Future attempts to open the account using the promo code yielded an error message saying it had already been redeemed.
Product: Debt collection

On XXXX I mailed out a Debt Validation Letter to Hospital Collection Services. They did not respond with the appropriate debt proof that was requested. I have never received anything in the mail. They are stating they mailed out 2 validation letters in XXXX. I have never gotten a phone call about this debt trying that they say they have tried to collect. 

Per the Fair Debt Collection Practices Act, you have to respond to my validation of debt request within 30 days. Since you didn't, you have to remove my debt from collections as you failed to provide proof. Per my letter that I mailed out by certified mail, it states : 'If you have good reason to believe that I am responsible for this debt, mail me the documents showing my responsibility, including but limited to : Assigned contract proving this debt belongs to me, A last statement or bill providing how much I owe, Proof of the last action taken on the account, And proof that you are licensed in Nevada XXXX '' None of this was provided. You need to remove my collections from all 3 credit bureaus as you have violated the FairDebt Collection Practices Act
Product: Debt collection

They have been calling me stating that they are going to be serving me with papers. I tried to contact them back and was basically told that I needed to pay {$1200.00} by debit or credit card over the phone. I asked for proof and was denied. They will not give you any information other than the company name, Lionstone Holdings Group and that it 's a " XXXX XXXX '' office. They say that it 's a legal office and it 's not. Their tactics are to scare and get people to pay something that they are not even contractually collecting on. They do not recite the FDCPA or follow any guidelines.
Product: Debt collection

I received the attached letter, acknowledging it would be the last contact I will be receiving. However, they are still calling me at least once sometimes twice per day on both my mobile and my home phone as recently as today XX/XX/2017.The letter attached specifically states " you will no longer be contacted regarding this debt, as such, this will be the last communication you receive from this office ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a derogatory report from a corporation by the name of LVNV FUNDING LLC. I have no business with this company. I'm not sure who they brought my information from, but this is violating me in numerous ways. My personal information have been shared without my consent, as well as this corporation reporting to various credit bureaus negative information causing me hardship. 

They are reporting several times to these credit agencies for different amounts, and under different addresses. This is a tort cases, as well as they are violating my civil rights. 

These corporations not only try to destroy your character ; they try to put a strain on your livelihood for profit. These practices are illegal, and we as consumers suffer the consequences of their actions. these debts are already paid through our Cesti due trust. 

The Federal Government took our lawful money out of circulation in XXXX  but Congress had to provide the people a remedy. Public Law : " Chap. 48, 48 Stat. 112 '' under HJR 192 is that remedy and in part states that the Federal Government will discharge all of our debts, public and private, dollar for dollar
Product: Debt collection

I paid XXXX XXXX XXXX directly and by law, they must recall the account from Receivables Performamce. Therefore, Receivables Performance has no legal reason to be reporting on my credit reports and must delete.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX  XXXX Balance : {$4600.00} XXXX XXXX XXXX XXXX XXXX : {$16000.00} XXXX XXXX XXXX XXXX XXXX : {$16000.00}
Product: Mortgage

My application for pre-approval was beginning but permission was not given to move forward with the process as the property in question was taken off the market. I called the loan broker and stop the application process before it was to be looked at. The loan broker from Wells Fargo proceed without my written permission or orally expressing my consent.
Product: Credit reporting or other personal consumer reports

I filed a dispute with Experian for personal information meaning my name has XXXX different names needs that need to be deleted and old address that need to be deleted also.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax potentially released my sensitive personal information to sources that were not approved by myself. This could have an impact on my financial records into the future.
Product: Mortgage

I called Wells Fargo on apx XXXX/XXXX/XXXX regarding a discrepancy in my XXXX County Tax bill and the amount that was paid through my escrow account. My tax bill was apx {$7000.00} and Wells paid XXXX County {$7300.00}. This discrepancy was confirmed while I was on the phone with the initial agent. However, I was advised that THEY would receive the refund and that my payment would not be updated to reflect the error in the tax bill because " my loan was new '' and that while they would normally update, since they were n't sure what my taxes would go to, they are just going to keep the amount. I advised that was not acceptable, because the reserve cushion was set in place for such instances and I was getting hit twice because I paid XXXX too much and then I was paying 16 % of the HIGHER number to calculate a cushion. I was advised that they would give me an answer within a week or so. On about XXXX, I called to check on the status and also called to request that 1 month of cushion be removed. I was escalated to the office of the president and was referred to XXXX XXXX, who had NO information or apparently no access to the previous information from the initial agent. She said she had until XXXX to give me an answer on BOTH the initial request and my new request for a reduction in cushion. She called me today and STILL had no answer for me. She told me that she still needed to confirm if my closing documents REQUIRED me to pay a cushion. I advised that RESPA does not require anyone to pay a cushion, it just says that you can collect up to 2 months. I work for XXXX and we remove cushions at the agent level DAILY. I am urgently waiting to hear back because my XXXX payment includes a shortage of {$4500.00}. From my calculations, at a min that is off by at least {$900.00}. There appears to be no sense of urgency however with this agent. She STILL had no information on the obvious error in the tax amounts which the previous front line agent was able to confirm on the initial call. In addition, her customer service left much to be desired. It was quite evident that she was frustrated with me because I was not ok with still having no answer almost a month later.
Product: Credit card or prepaid card

I just received an email saying I owe {$640.00} and a payment is due XX/XX/XXXX.  There is a BIG problem! I do not owe any money to Capital One. XXXX and XXXX owes {$640.00} to Capital One. The last time I heard anything from XXXX XXXX. about my case was XXXX XXXX or XXXX. In the letter they sent me was letting me know that it could take 90 days to sort things out with my case. I have not heart from XXXX XXXX since. On XX/XX/XXXX, I disputed the {$640.00} charge because the XXXX products ( XXXX 4k Blu-Ray Player ) I bought from XXXX was supposed to come with {$1200.00} worth of FREE 4K movies. I had never received {$1200.00} worth of FREE 4K movies that was advertised at XXXX and XXXX. When I tried to return the product to XXXX, XXXX told me that " You can not return the player, you can only exchange the player because of Copy Right Laws. ". I contacted XXXX about the movies and they refuse to do anything, I then contacted XXXX about it and showed them the email XXXX sent me and XXXX told me I need to contact XXXX. I then Filed an complaint with the BBB against XXXX and XXXX. XXXX refuses to do anything, XXXX still refuses to do anything and tell me I need to contact XXXX. XXXX had closed the case or cases because they refuse to do anything. How is it my fault when XXXX and XXXX committed fraud?!?!
Product: Money transfer, virtual currency, or money service

On Wednesday, XX/XX/XXXX i placed an order for a laptop at a local computer shop at. I picked up that order the next day and went home and once i arrived home i spent an hour or so setting it up and while doing so i noticed the display of the laptop was defective so i took the necessary steps to get a repair, which are inform the store of the issue and drop off the device and that i did. A few days go by and i was told the issue isn't able to be fixed and there are no viable options for replacement so i can either take a refund or repurchase. I requested for a refund as the Financial institution i used for this entire transaction was Cashapp or XXXXXXXX XXXX as it's known, now i closed the account i used for this very transaction on Friday, XX/XX/XXXX and this entire interaction for the repair/refund didn't quite finish up till XX/XX/XXXX and which case i went to Cashapp and opened up a live support chat to see what my actions are and they told me to verify some information and which i did and then told me the balance. A few hours go by and i do the same exact actions and even say the exact same messages i said from the first interaction in the chat and all of a sudden i am being told my information is incorrect and to call the support line and which case i did and they told me to go right back to the chat, so it's been a few days now and i have not even been able to access the funds nor even know if there are any and any attempts to find out have been met with the message my information isn't correct or my attempt to access the balance isn't approved and it just feels as if they're keeping my money from me?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several disputes in to dispute a account that is inaccurately still reporting on my credit report. It has been deleted off two of the three reports. They have failed to properly investigate this account and continue to send a automated response. 
The account is XXXX XXXX XXXX, {$1100.00} XX/XX/2016.
Product: Debt collection

I am not liable for this debt with Fair Collections & Outsourcing located in XXXX, MD XXXX. I do not have a contract with this collection agency. I did NOT and never signed any paperwork stating I owe or will pay Fair Collections & Outsourcing any money. Fair Collections & Outsourcing never provided any original contract/s as requested.
Product: Debt collection

Sent COMENITY CAPITAL/LANE BRYANT a letter on XX/XX/2022 to remove from my credit reports due to failure to provide a binding contract with two signatures. COMENITY CAPITAL/LANE BRYANT also did not provide a written consent giving authorization to access my credit report per consumer protection law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DID NOT CONSENT NOR AUTHORIZE THE FURNISHING OF MY CONSUMER REPORT AS A FEDERALLY PROTECTED CONSUMER ACCORDING TO:
FCRA 15 USC -
1681b(a)(2)
1681d(a)(1)(A)(B)
1681e(a)(b)(c)(e)
FDCPA 15 USC-
1692e(a)(b)

ACCOUNT#XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX This letter is a formal complaint that this Company has reported inaccurate, unverified, unproven and untrue credit Information to the credit bureaus. Federal laws require furnisher 's of Information to report accurate credit Information to the Credit bureaus and in this case you have failed to do so. Every step must be taken to assure the Information reported is completely accurate, proven verified and correct. I have been disputing the below account for the last 8 Months, and never ever have I received any proof from Lending club regarding this alleged debt below : XXXX  XXXX XXXX Account number XXXX - UNVERIFIED, UNPROVEN, UNTRUE AND NOT MINE. 
THE ADDRESS ASSOCIATED WITH THIS ACCOUNT IS NOT MINE AND DOES NOT MATCH ANY PERSONAL ADDRESS INFORMATION ON ANY OF MY CREDIT REPORTS. 
This inaccurate Information must be deleted from my credit file immediately, please contact the credit agencies you have reported it to and remove this misleading information from my credit file, because I never received a copy of any contract from your Company bearing my personal signature, and because the Address you are reporting associated with this account does not match any of my personal addresses on my credit report. I reserve the right to sue your Company for violations of my Consumer rights as specified under both the FDCPA and the FCRA. I may also seek damages from you if warranted. Kind regards, XXXX XXXX XXXX
Product: Debt collection

I requested verification of debt from National Credit Adjusters in response to collect a debt.National Credit Adjusters purchased an old debt of {$2500.00} from Check Into Cash XXXX XXXX and re-aged debt information reflecting as a recent debt of {$3200.00} opened XX/XX/2020 on my credit report violating FCRA Section 623 ( 5 ) ( A ) .I have requested for account to be deleted from all Credit Bureaus. 
The information requested to verify debt was incomplete and it did not show the payments made on the past account but rather just a copy of the repayment schedule.
Product: Credit reporting

Trans Union had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquiries be removed :
Product: Debt collection

Received information on my credit report of MIDLAND FUNDING LLC reporting unknown collection account on my credit file, to collect an alleged debt that I know nothing about or owe them.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Dear Sir/Madam, I am writing to formally dispute certain unauthorized and fraudulent inquiries on my credit report. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to ensure that my credit report includes only accurate, verifiable information. 

The inquiries I am referring to are as follows : REGIONALAC XXXX XXXX XXXX I have reviewed my records and confirm that I did not authorize these inquiries. As per **Section 1681b of the FCRA**, an investigation can only be made on my credit report when I provide consent or in certain other circumstances. It is clear that these inquiries do not meet those requirements and, therefore, should not remain on my credit report.

Under **Section 1681c-2 of the FCRA**, any inquiry that is made without proper authorization is considered unauthorized and should be removed immediately. Please investigate and remove these inquiries from my credit report as soon as possible. Please provide me with written confirmation of your actions. 

If you can not remove the inquiries, I request that you provide me with detailed information on how these inquiries were made, as well as any supporting documentation. 

Please find enclosed a copy of my credit report highlighting the unauthorized inquiries, along with a copy of my identification for verification purposes. I look forward to your prompt response to this matter. 

Thank you for your attention to this issue. 

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

I am writing to bring to your attention the unacceptable practices of several entities regarding multiple accounts on my credit report from Experian, XXXX, and XXXX. In accordance with the Fair Credit Reporting Act, the entities listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Transunion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below is still reporting on my Credit Reports and need to CORRECT immediately : XXXX XXXXE XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX Balance : {$2100.00} ; XXXXXXXX XXXX XXXX Balance : {$490.00} ; XXXX XXXX Balance : {$27000.00}.
Product: Credit reporting or other personal consumer reports

I have ask transunion to verify a debt that reporting on my credit report from the company known as XXXX XXXX XXXX account # XXXX I have ask the company to provide me with original purchase agreement with my wet signature and all documents and sign notary stating that they legally can collect a debt from me, and arbitration clause that we both sign this is a violation of my consumer rights of having my private information without my consent multiple violations fcra and fdcpa15 usc1692 usc 15 1681b under fdcpa 807 fdcpa 8012