23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I pulled all 3 of my major credit reports to find out what was showing on them, as I hadn't done it in a long time. I was shocked to see accounts that I do not recognize, including companies I've never done business with. One of these was : I.Q. DATA INTERNATIONAL, INC. The address LISTED ON the credit report is : XXXX XXXX XXXX XXXX, WA XXXX. I was advised by my legal counsel to send a " Validation '' Letter to them to validate the debt under the FDCPA and FCRA. I have attached the letter with my complaint. I have also attached the information that they sent back to me. I have never done any business with this company, and they failed to send me ANY kind of validation such as a signed contract with them. All they sent was a screenshot of an itemized list of charges of which I do not recognize and didn't even contain dates or anything on it. I also sent a dispute letter to all 3 credit bureaus ( XXXX, XXXX, and XXXX ), and I.Q. Data International has NOT removed this erroneous account from my credit reports, or have sent me any kind of real validation such as a signed contract with their company. I request for this company to remove this account from my credit reports immediately, as they have not followed the law, have reported inaccurate information on our credit reports, including FDCPA Section 809 ( b ), which carries a {$1000.00} fine for not validating the debt and still continuing to report it on my credit reports. Thank you for helping me resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. Account Name : XXXX XXXX XXXX, # XXXX Account Name : XXXX XXXX XXXX XXXX # : XXXX Account Name : XXXX XXXX XXXX # : XXXX Account Name : XXXX XXXX XXXX # : XXXX Account Name : XXXX XXXX # : XXXX Account Name : XXXX XXXX XXXX XXXX # : XXXX Account Name : XXXX XXXX XXXX # : XXXX Account Name : XXXX XXXX XXXX # : XXXX Account Name : XXXX XXXX # : XXXX Account Name : XXXX XXXX # : XXXX Account Name : XXXX # : XXXX have violated my rights. 
15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish 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 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 card or prepaid card

I was shocked when I reviewed my credit report and found 90 days late payment on the dates XX/XX/2017. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Checking or savings account

This concerns Capital One Bank closing old active accounts. Just because you have had a long standing account, no other reason. Direct deposits are lost, checks will bounce, all because we did not see the one time letter, sent in a plain envelope during the summer. No other warning. 

Is this legal? How do they expect to keep customers? 

Couldnt they just make the changes internally and inform us? 
Did they have to turn our financial world upsidedown? 
Is there a good legal reason for what they did?
Product: Debt collection

Hayt And Hayt is attempting to collect on a debt for their client XXXX XXXX XXXX. This company does not have any original contracts and the terms and conditions to go with this debt that substantiate that they are allowed to collect the interest and fees they are attempting to charge, which is a violation of The Fair Debt Collections Practices Act. I have asked them to produce it and they have failed to do so and continue to attempt to collect on this debt. 1692 f ( 1 ) Attempt to collect any amount not authorized by the agreement creating the debt or permitted by law. This is unfair and I want this harassment to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is incorrectly reporting me as an Authorized User on XXXX card ending in account # XXXX. I called XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User and XXXX and XXXX have removed this from my report but Transunion has not. I have contacted the bureau to fix this issue but they have not fixed it yet. The negative information is harming my credit score.
Product: Credit reporting or other personal consumer reports

Upon checking on my credit report, I spotted some inaccurate and fraudulent inquiries that need reporting and correction through your company. 

Please see the attached PDF file on this complaint. I sent my dispute letters to the Bureaus and still not getting any results
Product: Debt collection

- This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.
Product: Credit card

After a review of my discover credit card account, I found a mysterious charge of {$200.00} from discover during the holiday season. Ive contacted discover about this and other mysterious activity ; find the procedural history below. 

1. I opened a secured card with discover with a {$200.00} deposit. After 6 months of on-time payments, discover was set to return my security deposit and raise my credit limit.

2. I requested the security deposit be credited to my discover credit card account but for some reason this was not possible. [ This was the first opportunity to eliminate ambiguity ] 3. I asked for the security deposit to be credited to my debit card but for some reason this was not possible.

4. Discovers option was to send a check. I never received the check from discover.

5. I asked the security deposit be credited to my traditional checking account and discover agreed to issue a stop payment on the check then send the security deposit to my checking account. 
6. After receiving the security deposit in my checking account, I made a payment from my checking account to my discover credit card account in the amount of {$200.00} on XX/XX/XXXX ( posted on XX/XX/XXXX ) in the spirit of my original request. 
7. On XX/XX/XXXX my discover credit card account was erroneously charged a - {$200.00} adjustment fee. 
XXXX. On XX/XX/XXXX after discovering the adjustment fee, I contacted discover for a reason for the adjustment fee, receiving two explanations 1 ) my checking account bank allegedly returned the payment? ( no, my checking account bank says that never happened ). 2 ) Discover allegedly gave the security deposit to me twice by mistake ( no, this did not happen )? 
9. The result of the actions is that my discover account is overcharged by - {$200.00} and I may have been overcharged on interest. 
10. Discover describes the situation as crazy alleging : " Two refunds were sent via electronic deposit ( ACH ). The first was sent on XX/XX/XXXX. The second was sent on XX/XX/XXXX. '' a. Not possible. My bank would have the records and they have stated they do not. More specifically my bank statement listed only one discover credit on XX/XX/XXXX in the amount of {$200.00}. 
b. discover has refused to provide the ACH tracking numbers of the alleged transactions which would quickly prove that discover did not send me two electronic deposits ACH. 

The only remedy for this discrepancy is to add + {$200.00} ( as a credit ) my discover credit card account. 

P.S. I received two email responses from discover stating my credit card balance is allegedly ~ {$660.00} and also stating that I am eligible for a {$1.00} statement credit. This of course falls short.
Product: Mortgage

According to the current servicing company XXXX XXXX XXXX XXXX, JPMorgan Chase Bank, charged my mortgage account a total of {$300.00} in fees called " corporate advance fees ''. Chase charged me XXXX almost everyday. I dont know why and they are lying about it. First they said it was a legal fee. Now they say it's for inspection fee for everyday for two years. My property was never in foreclosure with Chase. And they are taking advantage of hard working people. They bank are hurting people by stealing from us with unjustified fees. They do it little by little hoping people don't recognize their actions. Why was I charged these fees that XXXX XXXX XXXX XXXX forced me to pay. Chase and XXXX XXXX XXXX XXXX  are not working for the people. Their consumer are investor not working people. They are stealing money from us through illegal fees. Please help!! 
Give us our money back.
Product: Checking or savings account

I was being overcharged with the overdraft fees and I got denied for loan applications.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 10th attempt since XXXX contacting the credit bureaus since I first discovered I was a victim of identity theft this has been the most horrible experience of my life. They have simply failed to uphold the law. All in all, they have ignored my request to provide me with the documents that they have in their files that were used to verify the disputed accounts which means that they have NOT verified or can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly delete all information which can not be verified. This law is as clear as daylight as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) The investigation has taken longer than 30 days they have they have Failed to respond satisfactorily within 4 days of receipt of this under Section 605B. I have filed reports with my local police department in 2019, FTC, State Attorney General, and the CFPB. This identity theft has destroyed my life and stopped me from purchasing a home I have worked so hard for my daughter and I.
Product: Debt collection

XXXX claimed I owed a debt which I do not owe them. They reversed an old fraud charge to my account when I wanted to close my account last year. I recently opened a cfpb complaint because they were illegally denying me access to my financial statements. They have not responded to my complaint. They did, however, use my contact information from my complaint to update the collection of my account they falsely accused me of owing. They took my personal contact information from my CFPB complaint and are using it to harass me for a debt I do not owe. I'm not surprised, considering they did not protect me from fraud on my account and denied me access to statements of the account. They have no morals or ethics, whatsoever.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX and I'm including it again. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Money transfer, virtual currency, or money service

Cash app is misrepresenting their services and are not making the proper changes in a timely manner, I spoke with 4 representatives due to an issue that is solely based on a discrepancy with cash app system I had funds transferred in order to handle my bills and personal matters and they are illegally holding my funds and not allowing me to make the proper transfers to my bank. A representative told me there was no issue on my end and proceeded to lock my account forcing me to a account hold which in these times which in many ways is deceptive and inconsiderate of the. Consumer then seek to bind me to a investigative period when I am told the issue is not on my end and I have matters personally that must be attended to. Cash app should diligently release my funds to me. The funds are rightfully and legally mine.

The Dodd-Frank Act prohibits unfair, deceptive, or abusive acts or practices ( UDAAP ) by financial institutions, including peer-to-peer payment apps like Cash App. Examples of UDAAP include : Misrepresenting the terms or costs of a financial product or service. 
Charging fees without disclosing them properly or in advance. 
Making unauthorized charges or withdrawals from a user 's account. 
Failing to investigate and correct errors in a timely manner. 
Using harassing or threatening collection tactics. 


Under the Electronic Fund Transfer Act ( EFTA ), financial institutions, including peer-to-peer payment apps like Cash App, are required to process electronic funds transfers promptly and to investigate and correct any errors that are reported by users. The law also sets out specific rules regarding the rights and responsibilities of consumers and financial institutions with regard to electronic funds transfers.

Specifically, the EFTA prohibits financial institutions from : Requiring users to establish an account with a particular institution as a condition of using an electronic funds transfer service. 
Discriminating against users on the basis of their age, race, gender, or other protected characteristics. 
Disclosing information about a user 's electronic funds transfer to anyone other than the user, the user 's financial institution, or other parties authorized by law. 
Illegally withholding funds from a user 's account.
Product: Vehicle loan or lease

We purchased a vehicle from XXXX XXXX XXXX, XXXX VA in XX/XX/XXXX, financing it thru Chrysler Capitol. In XX/XX/XXXX we refinanced it thru XXXX XXXX XXXX XXXX, and so the loan was paid off at that time with Chrysler. On XX/XX/XXXX, I accidentally, thru my bill pay feature at XXXX, sent {$450.00} payment to Chrysler Capitol. By that time, I had no account, owed them nothing. After realizing my mistake, I called their customer service number, and was told it could take 30 days to receive my money back. After 30 days I called and they said it could be 45 days, after that, 60 days. Then they said it was " under review, could be 90 days, the check would be mailed by Friday, and the check was in the mail, etc etc. '' I have called multiple times, always told a different story, passed around to managers and supervisors, and now we are at the point that when we call, we are put on hold and no one returns to the phone.My husband and I have talked to everyone that they will let us talk to at Chrysler Capitol, spend hours and hours on hold, being transfered to various people, and no one will help us. We have financed 2 vehicles with Chrysler Capitol were good customers, never late or defaulted on any payments, this was just a mistake on my part. Why would they not return that money? Please help us.
Product: Debt collection

XXXX XXXX is reporting the wrong information on the credit reports they have wrong information on XXXX and right information on XXXX XXXX I had an agreement with them to not be held responsible or liable for this car and no money owed and its reporting I owe money. it should be 0 money owed and not called a repo.
Product: Money transfer, virtual currency, or money service

Chime Debit card. XXXX XXXXXXXX XXXX .this card is not mine. Is being used at ATMs, and making purchases through XXXX XXXX never had an account through XXXX XXXX This debit is not in my bank, and doesn't belong to me. Nothing but it doesn't show me anything in my bank app, but my phone receives txt messages for atm withdrawals and online purchases through XXXX talked to chime several times.iv called XXXX made.my son ssi money is gone all my paychecks.my unemployment.everything .and i heard XXXX names that belong to that card.i belive i was told a XXXX and XXXX.they live in same house.
Product: Credit reporting or other personal consumer reports

The bureaus are not responding to me so please give them what I am requesting for an immediate response. I need a thorough investigation done. 

I am writing to formally dispute inaccuracies found on my credit report. Upon a thorough review of my personal credit file, I have identified several discrepancies that I believe are unjustly affecting my creditworthiness and, consequently, my ability to secure homeownership. Given the current economic challenges, it is imperative that my credit report accurately reflects my financial history without the detriment of errors. In accordance with the Fair Credit Reporting Act, I understand that your agency is obligated to investigate these disputes within a thirty-day period following the receipt of this letter.

I respectfully request that your agency undertake a diligent investigation into these matters and remove the incorrect information from my credit report. The presence of these inaccuracies is not only misleading but also has a significant negative impact on my credit score, thereby hindering my financial opportunities. I am fully aware of the economic difficulties our society is currently facing, and it is under these circumstances that I can not afford to have my creditworthiness compromised by errors. Therefore, I anticipate your cooperation in rectifying these discrepancies and look forward to receiving an updated copy of my credit report reflecting the necessary corrections within the stipulated thirty-day timeframe. Please find my personal details below to assist in the prompt resolution of this dispute : I trust that you will address this matter with the urgency and thoroughness it requires. Thank you in advance for your prompt attention to these issues and for your assistance in ensuring the accuracy of my credit information.
Product: Credit reporting or other personal consumer reports

I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Ive already included this report in a previous letters & am included it again. This letter is to notify you if you do not block the listed account on my report I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. Currently you are in numerous violations of FCRA laws. My attorney is very excited at the possible outcome of this case because theyve already sued you & won tens of thousands in damages. I personally dont want to pursue this method because this matter is such a simple remedy. But do not take my kindness as weakness. The costs will be extreme for you. XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im writing today to voice a concern about an issue which the credit bureau has not complied with. The following accounts are in litigation. Under current codes i have not supplied proof under the doctrine of estoppel by silence, XXXX v. XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I XXXXay presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Bureau has yet to remove the items nor done any level of investigation to support their position. I need this accounts removed due to the rules of estoppel. 
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX
Product: Debt collection

I have two debts that are over  7 years old . My husband left me in  XXXX  and I stopped paying our credit cards. The divorce was finally completed in  XXXX  where they granted him this debt and it is specifically noted in divorce. He moved to   XXXX  .  <P/> I have cleared up most and made agreements to clear the debt. But the remaining balance sits out there and did not get written off.  <P/> Years later and I have re-married and bought a house but these were brought to my attention as a credit counselor tried to help me clear them.  <P/> I just received a letter from  XXXX  wanting the balance  XXXX  for something that is in a divorce agreement and was back in  XXXX .  <P/> Also a very ugly company stating they are an attorney,  XXXX   XXXX   XXXX  are trying to get a balance of  XXXX  going back to  XXXX  of  XXXX  which is the last statement they have from capital one. They call me every day, multiple times a day. They even called my fiance, and told them of my debt and he has nothing to do with this account. Lucky he is still marrying me.  LOL!  These are both on my divorce agreement and I have not heard from any of them until now. Do they have the right to come back on me for these.
Product: Mortgage

My lender, PNC, is making withdrawals for payment from my XXXX  checking account, from which I have already verbally and in writing asked them to discontinue because I am making payments from another account. Twice now they have, without authorization, withdrawn funds from my XXXX account. The last time they did it, I had to wait 2 weeks for them to process a refund to me and they assured me that they had deleted all of the XXXX checking account information from their records so that this would not happen again, yet here we are, a second time, and right before the holidays when I need the money in the XXXX account, they have debited the funds again without permission. They now again how 2 payments, and I need the money reversed back into my XXXX account, yet I can't even get someone on the phone now, and they are telling me someone will contact me in two games. It's not my first rodeo with them, as last time, after the 2 days had passed is when they said they would have to wait 2 weeks to process the refund. I don't understand how there is no way I can stop them from taking my money from an account without authorization. This should be criminal, as it's basically theft taking the money from my account after I have withdrawn authorization to do so.
Product: Checking or savings account

XXXX divested their retail bank to Citizens Bank XX/XX/2022. I received a letter with my new account details, but no credit card, debit card, nor online access. 
I rang Customer Service in XXXX to update my XXXX cell so I could enroll online but after XXXX hrs on call the agent said it wasn't possible ( XX/XX/XXXX as I needed an active cell on profile to receive security code from agent ). They acknowledged they had made a mistake not sending me banking cards. I rang again XXXX to talk to someone else and was left on hold for XXXX. 
I then raised complaint XXXX XXXX with you, and XXXX XXXX from Citizens Chairman Office contacted me by email XX/XX/XXXX with some options. I asked her via email to set up a call and left a voicemail with no response. XXXX XXXX contacted me on XX/XX/XXXX, I also asked to set up a call with no response. I continued to receive letters in the mail with no option to resolve my issue without calling Citizens Bank. 
I finally got onto an agent XX/XX/XXXX, after several further failed calls with Customer Service line and Chairman 's Office. I finally got to an agent ( who was unable to help ), then transferred to someone in Online Banking who was able to enroll me using alternate security questions. This issue has taken more than 2 months and at least XXXX of my time to resolve. If I had needed to rely on that money for rent, I would have been homeless, which is unacceptable service from this financial institution. Would like this noted on record and used as a teaching tool for customer service agents, as only XXXX out of XXXX was able to resolve my problem.