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

I am writing to express concern regarding the disturbing behavior of the manager at the Santander branch in XXXX. Her name is XXXX XXXX or XXXX, most likely. Her signature is enclosed. Unfortunately, I no longer have her business card and have blocked her phone number. Upon walking into the XXXX location next to the XXXX her office is in the far-right hand corner. I also pointed out to her that when people are signing into the keypad in the back right you can see them punching in the numbers from sitting in her office. 

Her Carlisle, PA Santander location : XXXX XXXX XXXX XXXXXXXX, PA XXXX Phone : ( XXXX ) XXXX During a recent visit to address an account issue, I mentioned the possibility of receiving a settlement due to XXXX XXXX. The manager responded with an aggressive tone, inquiring several times about the timing of the settlement. Her excessive interest in when I would get the money was disturbing. Her behavior greedy and offensive. 

I questioned the benefit of having another employee open an account that she recommended once I received my funds and received no reasonable explanation from her. But she was obvious that she wanted her friend to profit from opening another account. 

She contacted me again by phone, implying a desire to assist me, clearly a veiled attempt to inquire about the settlement. Her use of my phone number when I didn't request her services was pretty disgusting as it is so obvious she wants to profit from my XXXX XXXX. 

This manager 's behavior is unacceptable. I blocked her number. I request that she be reprimanded for her unprofessional and unethical conduct. Her blatant greed to profit from my XXXX XXXX translates into cruelty. 

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

I have not supplied proof under the doctrine of estopper by silence, Engelhardt v Gravens ( mo ) 281 SW 715,719, 1 presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 
XXXX
Product: Debt collection

I purchased a car with US Auto Sales. They went bankrupt and we weren't notified that our loans would be sent to a debt collection agency even though we were not behind on the loan. They can not produce any contracts. My vehicle has been picked up twice and I have been given the run around how much is owed, when in fact there was a breech of my contract on US Auto Sales end. WPM has taken my money and has repoed my car.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today I was contacted by a company/collections agency that says I owe them money. I told the young lady on the phone that I had no idea what she was talking about that I'd never been a customer of theirs. After l hung up, that made me then go check my credit. I saw things on my credit that I have no idea where that stuff came from. I am concerned. I also decided to call the police and FTC thanks to my friend who work at a bank. Please delete all the items that are not mine as soon as you can. These are the items that showed up : 'XXXX XXXX , XXXX/XXXX, XXXX/XXXX, XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX.
Product: Mortgage

According to the previous mortgage statement the PMI has deceased but Wells Fargo informed me with an incease monthly payment. Wells Fargo reported to the credit bureau inaccurate information regarding the mortgage account. According to Wells Fargo customer services representive and credit bureau money schedule to be paid at the end of the mortgage. Additional information for the case I previous filed.
Product: Debt collection

i was a victim of idenity theft collection agency : XXXX XXXX  date XXXX Collection agency : Convergent Outsourcing, INC {$350.00} XXXX XXXX XXXX XXXX {$180.00} Collection agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$440.00} Collection Agency : XXXX XXXX XXXX XXXX XXXX : {$610.00} XX/XX/XXXX Collectional Agency : XXXX XXXX XXXX
Product: Checking or savings account

The financial institution ( Ally Bank ) is not properly recording transactions and is not allowing transactions to be disputed based on their inability to properly record or report transactions. On XX/XX/2022 a charge in the amount of {$200.00} was withdrawn from my account with the Bank listing XXXX XXXX as the business. This is a XXXX in XXXX XXXX Colorado, a state in which I do not live. I promptly disputes the transaction. Nearly 3 months later on XX/XX/2022 they closed the dispute saying it was an authorized charge to XXXX XXXX XXXX and once again removed the money from my account on XX/XX/2022. Obviously this was confusing as that is not the business I was disputing a charge to. I called Ally Bank and they repeated that it was an authorized charge and that they had sent a letter informing their customers of an issue with transactions not being reported properly. I asked the customer representative when they sent the letter as I did not recall receiving it. She asked me to wait while she searched to see when it was sent only to tell me that they in fact did not send a letter. I am at a loss for why they are not required to inform their customers that the information we ( the customers ) are seeing is apparently not accurate. This conversation with Ally happened today, XX/XX/2022 and I am still not sure who the transaction for {$200.00} was actually for. It seems to me that a financial institution should have an obligation to accurately track the transactions of their customers and if they are unable to they should have an obligation to notify customers of their inability to do so. Im still not sure who the charge was for, what charge I disputed or whether or not it was properly disputed. Unfortunately when I notified Ally that I was unhappy with their resolution the short of what they told me was too bad. That feels, at best, unethical and at worst I am not sure if they are actually stealing money from me.
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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$21000.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$23000.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$4000.00}
Product: Money transfer, virtual currency, or money service

About XX/XX/2021, I fell victim to two multi-layered scam operations run by XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my Chase Bank account to fraudulent investment firm ( s ).
Product: Money transfer, virtual currency, or money service

I have quite a few incidents where I have reached out to Cash App in regards to My money not being deposit into my bank account one day and they sent me to my bank and told me it was My banks problem to deal with my bank then referred me back to Cash app because the transaction was done through Cash app from my card, they gave me the runaround eventually I got frustrated and just let it be. BecauseThey werent trying to help me get my money back. another incident took place where people were scamming using XXXX XXXX and money got pulled off of my card over {$200.00} and I reached out to Cash App about that matter. They told me that it was nothing that they could do also referring me back to my bank and the list can go on and on and on on how many problems I had with Cash App and them referred me back to my bank. At first I didnt have a number to call for them eventually they got a number. And like I I stated before, it has been so many incidents that have occurred with me using this app and my money, not being safe, insecure as it was promised
Product: Credit reporting or other personal consumer reports

I am the victim of ID theft, and filed an FTC ( XXXX ) Report, XXXX Police ( XXXX ) report XXXX XXXX police report ( XXXX ) and XXXX affidavits under oath XX/XX/XXXX - XX/XX/XXXX. Several Accounts have been opened in my name and charges made not by me. I filed a claim for relief under the the fraud and Id restoration services offered by my memberships to my XXXX and XXXX XXXX XXXX ( claim XXXX ). I have been supplied a diligent restoration support agent under XXXX XXXX XXXX XXXX whom is the silver lining of support. Unfortunately there are still XXXX accounts being reportedly negatively due to ID theft. I've supplied all the necessary evidence in dispute of the specific information due to fraud/larceny. The information was changed only to add new unverified, inaccurate and incomplete recordings. The enclosed file provide accurate and detailed information on this complaint. Thanks for facilitating.
Product: Credit card or prepaid card

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

1. XXXX  XXXX Account Number : XXXX 30 days late in XX/XX/2021 and XX/XX/2021. 

2.. XXXX Account Number : XXXX 30 days late in XX/XX/2021. 

3. XXXX Account Number : XXXX 30 days late in XX/XX/2021. 

4. XXXX Account Number : XXXX 30 days late in XX/XX/2021 and 60 days in XX/XX/2021. 

5. XXXX XXXX Account Number : XXXX 30 days late in XX/XX/2021, 60 days in XX/XX/2021 90 days inXX/XX/2021, 60 days in XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX of XXXX was unauthorized to make an inquiry on my credit, yet he fraudulently did so!
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting for Account # XXXX Dear CFPB, I am filing this complaint against XXXX, Experian, and XXXX for their failure to correct inaccurate information regarding late payments reported on my credit report for the XXXX mortgage account ( # XXXX ). Despite submitting two prior dispute requests on XX/XX/XXXX and XX/XX/XXXX, the credit bureaus have neglected to make the necessary corrections, resulting in a continued violation of my federally protected consumer rights. 
Discrepancies : XXXX XXXX : Only appears in XXXX. 
Last Day of Activity : Different dates across XXXX ( XX/XX/XXXX ), Experian ( XX/XX/XXXX ), and XXXX ( XX/XX/XXXX ). 
Closed Date : Reported only by XXXX as XX/XX/XXXX ; missing in Experian and XXXX. 
Account Rating : Listed as " Closed '' in XXXX, but " Paid '' in Experian and XXXX. 
Account Status : Reported as " Closed '' across all bureaus.

Payment Status : Reported as " Late 60 Days '' across all bureaus.

Violations : Fair Credit Reporting Act ( FCRA ) : 15 U.S. Code 1681i : Credit reporting agencies are required to ensure the accuracy of information in consumer files. My repeated disputes have not been adequately investigated or corrected.

15 U.S. Code 1681b : The reporting of inaccurate late payments violates my right to privacy and ensures only accurate data is furnished to third parties.

Truth in Lending Act ( TILA ) : 15 U.S. Code 1666b : Creditors must send periodic statements at least 21 days before the due date to avoid late fees. The reported late payments indicate a failure to comply with this requirement.

Protection Against Non-Payment of Obligations Act ( PAANL ) : This act underscores the responsibility of creditors to provide timely statements, which appears to have been neglected.

Impact of Errors : These inaccuracies have caused undue harm to my creditworthiness, including potential denial of credit opportunities and higher interest rates. 
Desired Resolution : Immediate removal of the late payment notations ( XXXX and XX/XX/XXXX ) from my credit report across all three credit bureaus. 
Written confirmation from XXXX, Experian, and XXXX verifying the corrections. 
I have attached supporting documentation, including copies of previous dispute letters and my credit reports highlighting the inaccuracies. If this issue is not resolved promptly, I will escalate my complaint further, including potential legal action and filing additional complaints with relevant agencies. 
Thank you for addressing this matter. Please confirm receipt of this letter and inform me of any actions taken to resolve my complaint. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit card

This charge was made on a Bank of America credit card that we had to open on XX/XX/2023 to be able to terminate our timeshare commitment with XXXX. The purchase was made to XXXX XXXX XXXX. We were told that XXXX would most definately work with us to relieve us of our timeshare. We were charged {$12000.00} for this service. Last week, I heard from XXXX and was told that their timeshare exit program has been and was indefinately suspended long before this XX/XX/2023 transaction. Bottom line, XXXX XXXX XXXX  charged us {$12000.00} for a service that they could in no way fulfill. We have tried disputing this charge with Bank of America 3 times now and they have sided with XXXX XXXX XXXX each time. While speaking with one of Bank of America 's dispute department last week, I was informed that Bank of America only communicates with the merchant 's bank/financial institution and does not even communicate with the merchant prior to rendering their dispute decision. I have contacted both of the phone numbers provided by XXXX XXXX XXXX, dozens and dozens and dozens of times. Either their phone number endlessly rings, their voicemail boxes are full, or if I am able to leave a message, absolutely NO attempt has been made by XXXX XXXX XXXX to return my call. I have emailed them at the email address provided to me by them, and it immediately bounces back to me as an invalid email address. I also went on their website and attempted to contact/email them. Again, no response. Yet, Bank of America sides with XXXX XXXX XXXX. I used their credit card, paid for a service which at the time of the charge and now, that service can not be fulfilled. Bank of America continues to side with XXXX XXXX XXXX and will not credit my {$12000.00} charge.
Product: Credit reporting or other personal consumer reports

My account with the company and i was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in MONTHS REPORTING LATE to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end 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 21 days before the payment due date.

This company never Sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I HAVE HAD AN ISSUE WITH THIS STUDENT LOAN REPORTING IN MY CREDIT REPORT THAT I NEVER TOOK OUT A LOAN FOR. EARNEST HAS BEEN REPORTING IN MY CREDIT REPORT. I FILED AN FTC COMPLAINT, A POLICE REPORT, A DISPUTE AND MULTIPLE DISPUTE LETTERS SHOWING THAT I AM NOT RESPONSIBLE FOR THIS ACCOUNT AND THEY HAVE REFUSED TO REMOVE IT FROM MY CREDIT REPORT. PLEASE SEE ALL THE ATTACHED DOCUMENTS THAT I HAVE PROVIDED AND HELP ME REMOVE THIS ACCOUNT AS IT IS HINDERING ME FROM FURTHER PROGRESS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the following letter to XXXX Equifax and XXXX all failed to respond, between the breaches and not keeping our information safe this is ridicolous YOU ARE BREAKING THE LAW UNTIL YOU CAN PROVIDE ME WITH A DOCUMENT PROVING THAT I GAVE ( CREDIT CONTROL CORPORATI ) MY REQUEST TO RELEASE INFORMATION TO YOU, ( XXXX, Equifax or XXXX ) I DEMAND YOU DELETE THE FOLLOWING ACCOUNT ( S )! 
- Under the Health Insurance Portability and Accountability Act of 1996 ( HIPAA ). 
I reserve the right to protectthe privacy of my personal information and medical records from all third party reporting agencies. 
Please send the above requested information to my mailing address listed above. 
This letter is a request for validation and I request full documentation containing all information you received from the service provider of this alleged debt. 
53 MEDICAL COLLECTION REMOVAL Continuing to report this Medical debt without properly validating and providing me proof of permission is a violation of the FCRA ( Fair Credit Reporting Act ). 
You have 15 days to respond to this request or this debt will be considered invalid and the demand for removal from your reporting agency will be required.
Product: Debt collection

Creditors Protection service is stating that I owe {$730.00} for a doctor visit I never scheduled nor attended. Creditors Protection service have not yet to provide me proof of this claim, and have added collection to my credit profile. In which placed a negative mark for other creditors to see.
Product: Credit reporting or other personal consumer reports

XXXX : I have sent proof of my address to Equifax and the CFPB that the address on my credit report is incorrect, and I need it corrected.
Product: Credit reporting or other personal consumer reports

I feel much back. I recognize some activity on my credit bureau such as inquiries and attempted to purchase things that I have not authorized on my credit bureau. I called and I added a fraud alert on my credit bureau today XX/XX/year>. I called the credit bureau to remove the freeze And amongst the security questions theyre asking me there is invalid information theres names or a name of a XXXX XXXX that has nothing to do with me so theyre double victimizing me. XXXX trying to get into my account so I can remove a fraud alert and I cant get past this XXXX branch name because he doesnt that person has nothing to do with me. Ive made XXXX cars to the Trans Union today and I also attempted to do it on the website and Ive been locked out of the website twice.
Product: Debt collection

This company, National Credit Adjusters, keeps calling me and my family members. They are telling my family that I 've skipped out on a debt owed and they need help locating me. That 's embarrassing, plus when they tell them to stop calling, NCA, informs them that they have every right to call and will not stop until they locate me. I 've talked to NCA and informed them that I 've already paid the debt to the original debtor and I have proof. The person I spoke with said to send it to them and I did. He gave me the email address of XXXXXXXXXXXX. I have documentation of that as well. After sending him the information, I told him to stop calling me and my family and he said he would document it. But the calls have not stopped.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, these creditors has violated my rights under 15 USC 1681 Section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( Section 6 0 4 A Section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a XXXX card account under an open end consumer credit plan as late for any purpose
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 Account # 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 XXXXXXXX 15 U.S.C 1681 SECTION 602A Stated I have the right privacy 15 U.S.C 1681 SECTION 604A SECTION 2 : It also states a consumer reporting agency can not furnish an 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 conviction of crimes which antedates the report by more than XXXX years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

XX/XX/2017 {$380.00} I sent letter stating this is not my debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid all my bills on time and decreased my balances and the dropped my credit score by XXXX XXXX  when I contacted them their response absolutely makes no sense.
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 confidentially under 15USC 1681. 
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 DPT EDXXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPTEDXXXX XXXX DPTED/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 15 U.S.C. 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

NCA has a debit of {$610.00} on my credit report, I have no idea who this is or the debt. I requested information to prove this was me and never received it.