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

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block ACCOUNTS : XXXX XXXX XXXX Account number - XXXX XXXX XXXX XXXX Account number - XXXX XXXX XXXX XXXX - Original creditor : XXXXXXXX XXXX XXXX XXXX XXXX Account number - XXXX INQURIES XXXX - Inquiry date - XX/XX/XXXX XXXX XXXX - Inquiry date XXXX XX/XX/XXXX 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

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

15 USC 1681EB 15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 C-2 15 USC 1681 BA2 15 U.S. CODE 1681e- 15 USC 1681 ( 2 ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 1681 FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block
Product: Debt collection

STATEMENT OF FACTS REGARDING COMMONWEALTH FINANCIAL XX/XX/2020 I received notification about a new collection on my credit report, so I checked the report and immediately sent a dispute about the collection because I had no idea what this collection was about. 

XX/XX/2020 I received notification that my dispute had been updated, so I checked the website and they stated the debt had been verified and updated the debt collectors information. 

XX/XX/2020 I called Commonwealth Financial at XXXX to inquire. 
XXXX answered the phone and I explained that I disputed the charges and XXXX XXXX ( original bill producer now XXXX ( and many other names used by XXXX XXXX ) ) has no right to try to collect the debt due to timely filing rules being violated, therefore forfeiting their rights to collect. I told XXXX that I will be sending them a letter, asking them to stop collecting on the invalid debt ( timely filing for NYS is 90-days ). 
I told XXXX that I had never received a letter from her company notifying me of the debt before it was attached to my credit report on XX/XX/2020. XXXX told me that they sent me a letter XX/XX/2020. 
The date of service for this collection is XXXX ( over 5 years after service I am now learning of this debt owed ). 
I called back and spoke to XXXX, I requested that they send me another letter, since I did not get the first one. 
I called back again and asked XXXX to verify my entire address to make sure they have my address correct, which he did verify, and he also verified that they will send me out a copy of the letter. 

XX/XX/2020 Called Commonwealth Financial again spoke to XXXX, asked if they resent me the letter that I requested, and she told me that they requested an itemized statement, which takes a little longer. I XXXX that I did not request an itemized statement, I requested that they resend the letter from Commonwealth Financial, the one that they supposedly sent me on XX/XX/2020. I informed XXXX that the reason I want the letter from Commonwealth Financial is to confirm they are licensed to collect in Tennessee, and normally the letter would tell me that I had 30 days to dispute the claim for debt. By XXXX 's testimony, they did not send the letter until XX/XX/2020, and they attached it to my credit on XX/XX/2020 ; they did not give me 30 days to dispute regardless of whether or not I received the letter ( which I did not ). XXXX then informed me that she told their legal department about my request for the letter. Nothing else was said other than XXXX informed legal about my request, so I informed XXXX that is exactly what I wanted. I inquired about Commonwealth Financial license to collect in Tennessee and the legality of their actions in whole.
Product: Credit card or prepaid card

My employer provided me with a skylight visa debit card 8 years ago, never had any problems until XX/XX/23. Payroll disbursed my weekly pay around lunchtime I viewed my phone and watched my pay depleting {$400.00} then {$140.00} and finished somehow removing the balance {$12.00} I sent in my dispute the same hour, they said they would do an investigation through the XXXX of XXXX. Today is the XXXX of XXXX they claim they found no error and refused to give me my money. Money was disbursed @ XXXX and hacked around XXXX while working in XXXX county , hacked occurred in XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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 Collection In accordance with the fair credit reporting act XXXX  account XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A States I have the right to privacy.

15 U.S.C 1681 SECTION 2 : It also states a consumer reporting Agency Can not Furnish An Acct without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX  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.
Product: Debt collection

Received a call from XXXX XXXX and XXXX saying they are a lawyers office saying I owe and amount on a Cash Net Loan that I do not owe. It worried me so I searched their name on XXXX and every review says it's a scam. Also left a voicemail for my mom, and I'm not sure how they got her number. Will not stop harassing us.
Product: Checking or savings account

There was a checks deposited into my Bank of America account. I called them to report that I did not deposit the check and they froze the account or me and said that they would investigate. Unfortunately my work checks were still being direct deposited into that account and they said it would take 45 days for them to complete and investigation and that I would have no access to my fundas until the investigation was completed. I told them that I could not wait and had bills to pay so they closed my account and sent me a cashiers check which was fine but they also reported me to XXXXXXXX XXXX for suspicion of fraud even though they admit to not completing any investigation. I want them to immediately remove me from XXXXXXXX XXXX. How is it lawful to report suspension of fraud without completing an investigation, and when i spoke to XXXXXXXX XXXX they said that when items are reported they add them to the fole and that they do not require proof that the item it true or false. The woman I spoke with at XXXX XXXX name is XXXX and her employee ID # is XXXX.
Product: Credit card

This was for a Business credit card through Bank of America. This was an inquiry that I did not authorize for a hard pull on my behalf. My personal credit is being affected by this.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. As expected, CFPB and EXPERIAN have disregarded my request AGAIN for the DELETION of the accounts below which are not mine. I am so baffled by this situation! You guys seem like a lot of passing the blame or no accountability. Well, whatever the reason, I'm beyond bothered. I have provided everything you need from my personal information to my FTC which I have filed, but nothing has changed. Now tell me, are you playing around?! Coz let me inform you that you are NOT COMPLYING with the law. Pursuant to FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to BLOCK or REMOVE any information in my file that resulted from alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. And where are those proofs? NONE! You have provided ZERO VERIFIABLE PROOF! I dont want to be so nasty, but please FOLLOW THE LAW! COMLY WITH IT AND DELETE THESE ACCOUNTS INSTANTLY! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/year>2025 received an email from XXXX XXXX on an alleged debt with Jefferson Capital Systems , LLC for an unknown debt with XXXX for {$320.00}, indicating I have until XX/XX/scrub>, 2025 to dispute all or part of this debt and if I do not they will ASSUME THAT OUR INFORMATION IS CORRECT. 

I request that the Debt Collector cease in false attempts on a debt not known or owned by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 : it also states a consumer can not furnish an account without my written instructions 15 USC 166 B : Creditor may not treat a payment on a credit card with open-end consumer credit plan as late for any purpose
Product: Mortgage

Mountain America credit union has counted 6 lates on my HELOC. 5 are not lates and I had the amounts paid. I have been current the whole time and they refuse to acknowledge on notes or with a letter that it is not late even though on the phone they explicitly tell me I am caught up and do not owe anymore. 
I have sent in disputes and screen shots. they have been horrible to work with I asked for information and call back and they ignored me and would not return any calls.

I got ahold of a manager who clearly stated I was not late for XXXX however to credit bear is showing I am late bu they say I am not and I was not late t ll. this was for XX/XX/XXXX. XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit card

On XX/XX/year> I paid {$950.00} to my XXXX XXXX. Since the account is a rewards credit card I decided I'd like to use it to pay all my bills each month. So, I took the money for my bills and paid it on my mastercard to create room to pay my bills this month. The money was withdrawn from my XXXX XXXX Checking account and XXXX sent me an email to let me know they received and posted my funds. But despite this my available credit didn't update. I should have roughly XXXX of available credit to use, but it's only showing {$56.00}. I called XXXX, because it does not clearly state that the funds could be held for weeks. Not immediately available is not the same thing as telling a consumer that it could be held for 3 or more weeks. I've looked in reddit forums and have located extensive discussions about this bad practice. I believe that XXXX is using under handed tactics to hold on to funds without delivering it back to the consumer. No other credit card company I have does this. I was told because my account was less than six months old is why this is happening. At the time of payment it doesn't not specify this and if it had I would have never used XXXX for my monthly bills. I would have taken my business back to XXXX XXXX. I believe this practice is deceitful and the information being left off is done so to disuade people from not making payments. I fully believe that I have a legitimate case and could easily pull together a class action lawsuit with the rest of the people that have left comments in the reddit forums. I've never seen this many complaints about the same issue. 

I then requested my money back so I could pay my bills since XXXX intended to hold my money for weeks to months. I couldn't wait that long to not pay my bills. I was told that the only way to get my money back was via a paper check that might take 2-3 weeks to arrive despite my paying it electronically. Moreover, XXXX is one of the largest digital currency makers in the world yet a paper check was my only recourse. I eventually accepted the paper because it was actually faster than getting my funds cleared. 

I'd like the CFPB to take action against XXXX for false advertising and not prominently displaying or telling us the length of time that an account can left on hold. Leaving out the time is as good as a lie. I also want my money back expeditiously. They literally have {$950.00} of my monies in limbo. I look forward to you investigating this matter and hopefully fining XXXX in the millions for swindling their customers out of money and making interest of their held funds.
Product: Debt collection

Most recently, on XXXX I received a voice message to call XXXX at XXXX XXXX XXXX XXXX. She has called me before asking me to pay a medical collection. The collection has been disputed with all three credit reporting agencies and I have received a confirmation from XXXX XXXXhat is will be deleted. The collection is not accurate. I called XXXX back today XXXX at XXXX pm MST. I asked her to stop calling my phone number and confirmed my number with her. She stated they are not bound by any do not call regulations and that she would continue to call. I asked her for her name and the company she represents. She stated XXXX XXXX with the company name as Thunderbird Collection Service and address of XXXX XXXX XXXX XXXX # XXXX, XXXX, AZ XXXX. The collection that was placed on my XXXX, disputed, and deleted was from this company. I asked her how she could say she is not bound by the FCRA or do not call when 'collection agency ' is in the name of her business. She again stated my number would not be removed and I would continue to be contacted. I advised her I would file a complaint with the CFPB. I appreciate your assistance in this matter.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I was attempting to purchase a home and I realize I had damages on my credit report according to the 15 USC 1681 LAW there should not be any damages on my report because that is defamation to my character.
Product: Credit card or prepaid card

On XX/XX/2023 I called in to Capital one to pay my two accounts and the Walmart card which they also manage. The man said he was sorry that my autopay had failed last month and I said me too, and we spent an hour on the line setting up auto pay again with a new checking account number and also I went through the long process of paying each account as well. This is all recorded by Capital one and I am formally requesting that this be listened to in order to validate my statements here. 
On the XXXX late in the day, ( my due date is the XXXX before XXXX eastern ) I received multiple letters from Capital One. No one called me, they just mailed letters which meant I had no time to contact them in order to pay on time. Sending letters to me meant I missed all my payments and was assessed a late fee for each account and also all three accounts were then sent as late to the credit reporting agencies. 
here is what the letters said : your payments made over the phone on XX/XX/XXXX did NOT go through, and your auto pay for each account has also been cancelled. We attempted to process them and your bank rejected them. ( I called my bank and they said NO ATTEMPTS WERE MADE BY CAP One. ) Also the letter said I could never use my checking account to make payments again. 
so, how in the world should I make payments now, I thought. So I called Capital one on XX/XX/XXXX after their XXXX cut off, to make the payments. I was told too bad, you are late because you missed the XXXX deadline, but had just gotten the letters. I called as soon as I got them from the mailbox. I am formally requesting that this call on XX/XX/2023 also be listened to, to support my claims. I was told that the checking account number they had on file for me WAS in fact the correct number! We verified it against my checkbook several times!! she said she didnt know how this could have happened. She and I spent an hour on the phone setting up auto pay once again for all three accounts, and I made my payments ( again ) but NOW I had to pay the EXTRA {$45.00} late fee for each account as well!! Inn order to keep my accounts current, I agreed and I received a confirmation code for EACH PAYMENT that we made again on XX/XX/2023. 
Today, XX/XX/2023 these payments were cancelled. They have NOT been presented by Capital One to my bank, and have NOT been paid. 

I am attempting to keep my accounts current and preserve my credit, but seem unable to do so. All I want to do is make payments and keep autopay on, but I am now THREE Months behind as I am UNABLE to get Capital One to accept my payments!! 

please help me thank you XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Debt does not belong me. The amount of {$440.00} is not owed to the Capio Partners LLC ( XXXX ). Not sure where Capio Partners LLC obtained my information.
Product: Debt collection

I am writing to formally request the removal of the following collection accounts from my credit report, as they appear to be inaccurately reported : Credence Resource Management : Reported on XX/XX/XXXX XXXX XXXX XXXX : Reported on XX/XX/XXXX XXXX XXXX XXXX : Reported on XX/XX/XXXX Legal Basis for Removal : 1. Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692e ( 8 ) : This section prohibits debt collectors from using false or misleading representations, including the false representation of the character, amount, or legal status of any debt. If these debts are not valid or have been inaccurately reported, their inclusion on my credit report violates this provision. 
2. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Under this section, if a consumer disputes the accuracy of information on their credit report, the credit reporting agency must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information or delete it within 30 days of receiving the dispute. 
3. Uniform Commercial Code ( UCC ) 1-201 ( b ) ( 20 ) : The UCC defines good faith as honesty in fact and the observance of reasonable commercial standards of fair dealing. Reporting inaccurate or unverifiable debts does not align with the principle of good faith in commercial transactions. 

Supporting Information : Credence Resource Management : There have been reports of fraudulent collection activities associated with this agency. For instance, consumers have reported receiving collection notices for debts they do not owe. 
XXXX XXXX XXXX : This company is known for purchasing old debts, and there have been instances where they have reported debts without proper validation. 
XXXX XXXX XXXX : While specific public information is limited, any collection agency must adhere to the FDCPA and FCRA standards. If they can not provide proper validation of the debt, it should not be reported.
Product: Checking or savings account

In XX/XX/XXXX I opened a checking/debit and also a savings account at TD Bank. The two accounts were linked and were supposed to draft from the savings if the checking/debit had insufficient funds. Well my wife went into labor and we had a new baby girl. When the whirlwind of that process died down. I checked my TD Bank balance as I believed I may be close to depleting the checking/debit balance. 
What I found were multiple {$35.00} fees for overdraft near {$200.00}. They also manipulated the sequence of purchases to maximize the {$35.00} fees ( ie ; {$1.00} for a coffee was moved to cause a {$35.00} fee before new funds were added. Furthermore, the accounts were supposed to be linked, I had the money to cover every single purchase I made, in my savings account. 
What happened next was even worse, the customer service reps gave me the run around for weeks. Finally as supervisor told me only a branch manager could reverse those fees. I went to the XXXX, MA. branch on XXXX XXXX. Despite my explanation the manager only refunded {$30.00}. 
Feeling defeated and facing 30 days I paid the fees even though I knew I wasnt liable for them. 
Two years later, I received a letter from TD Bank stating that a third party audit found that I wasnt liable for the fees!! Included in the letter was a check for what I paid plus interest. Great, I thought case closed they realized their error and made it right. I threw out the file of logs and paper I had proving my case. 
Turns out that around that time in XX/XX/XXXX TD Bank reported me to the XXXX as Flagged for 1.  Overdraft 2. Account abuse. As a result I was declined in opening an account for my now XXXX year old daughter. Apparently I would have been declined if I tried to pay for groceries via check or tried to cash a personal check somewhere other than my bank. 
Even though they reported on XXXX that the account was paid in full it also said, charge off. 
I called TD Bank got the run around and was finally told we have no record of you being paid back the fees or any letter sent. They then went on to say they dont have the authority to make changes on the XXXX. When I asked for a supervisor who did have the authority they said my only option to speak to one is a callback within 24hrs. I left my number and sure enough, they never called. Im not sure what else to do and hope that your office could help me, please.
Product: Mortgage

Rubin Lublin ( A law firm that works for XXXX XXXX XXXX ), scheduled a foreclosure date for XX/XX/XXXX despite it be against federal law to do so.
Product: Credit reporting or other personal consumer reports

Hi my name is XXXX XXXX. I am filing this form out today because i have recently found out that i have been an victim of identity theft, Ive recently found out through a credit report that someone has been using my identity fraudulently opening accounts fraudulently. I ran my credit report again and found out that the problem is because my identity has been compromised in the dark web due to a breach that occurred with XXXX These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S CODE 1681B
Product: Checking or savings account

I received a check from the treasury department for savings bonds I deposited it into my checking account the bank marked the check as fraudulent and closed my account they never returned the check to the treasury department and the treasury department says the check was made good bye them and have provided me with the check that they got back and Truist bank tells me they can not give me my money and that basically its theres now