23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, Account name XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXXXXXX Account # XXXX, Account name XXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I am unable to obtain my Transunion credit report and credit score online. I have spoken to a representative and they were unable to help. As a consumer I have the rights too be able to obtain what is on my credit file, without waiting weeks for it to come the mail. Also, in the mail a credit score can't be provided. Please help!
Product: Checking or savings account

On XX/XX/2023, I deposited a check at Wells Fargo for {$15000.00}. The receipt I was given stated that a portion of it would be available the next day, on XX/XX/2023, and the remainder would be available on XX/XX/2023. The funds were not available the next day. I contact Wells Fargo, which claimed that I would need to contact the business that wrote the check. Eventually, I spoke to Wells Fargo with a representative from the business 's accounts department on the line. Though the business was able to confirm that they had written the check and that the money had been removed from their account, the Wells Fargo representatives insisted that it could not be attempted again until XX/XX/2023 at the earliest, and that I would receive the funds no sooner than XX/XX/2023. The inability or unwillingness of Wells Fargo to attempt to rectify this situation, even with the cooperation of the other side of this transaction, is disturbing to me, as they also were unable to return the check to be cashed elsewhere.
Product: Debt collection

A XXXX account was open in my name in XX/XX/2012 I disputed this claim with XXXX ( Identity theft ) they in turn sold my account to portfolio recovery which I also filed out paper work with. They are still trying to collect this debt 5 years later.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity theft. I have accounts on my credit report that I have no knowledge of and I need to have them removed immediately.
Product: Mortgage

Consumer : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Re : Loan # XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX PA XXXX ( XXXX ) XXXX Check : # XXXX Issued : XX/XX/XXXX Amount : {$5000.00} Check : # XXXX Issued:XX/XX/XXXX Amount : {$4900.00} Total : {$10000.00} My name is XXXX XXXX, and my property at XXXX XXXX XXXX is mortgaged with XXXX XXXX, formally known as XXXX XXXX XXXX. My loan number is XXXX. Within my mortgage, I have set up an escrow account with the financial institution to pay my property taxes. Recently, it was brought to my attention I have uncollected refunds that we're not mailed to me from XXXX XXXX. I was notified by 3rd party agencies that I had money floating in the county. I did my due diligence and found out this was in fact true. For the reason being, the check amount was above {$5000.00}, I needed an " Authorization to Release '' form for the institution that paid my taxes, XXXX XXXX XXXX  at the time. In XX/XX/XXXX, I called XXXX XXXX and they gave me their fax number, so I faxed them my request. Two weeks passed and I didn't hear or receive anything. I called them and that is when I learned XXXX XXXX had actually denied to sign the form because of a letterhead issue. They didn't notify me by mail, by email, or by phone call. I then emailed both XXXX and XXXX on XX/XX/XXXX. Two weeks passed again and no word. I called the institution once more only for them to deny me access to the loan department. It has now been over 1 month in me attempting to recover the monies owed to me by this institution.
Product: Vehicle loan or lease

I made a payment on XX/XX/XXXX through XXXX XXXX XXXX 's website using XXXX XXXX XXXX as normal. However on XX/XX/XXXX I received a voicemail message. I returned the call early the next morning ( XX/XX/XXXX ) and spoke with a Mr. XXXX. He indicated that it appeared that the system was unable to locate my account. He said there may have been a glitch on their end since they were updating their system. I used another form of payment and made the payment. He indicated that any fees incurred were waived and my account was at XXXX. On XX/XX/XXXX I spoke with Ms. XXXX because when I went to make a payment on my account online, it said it was blocked because it was overdue. She informed me that their system had been down over a week but my account was current but the late fee and miscellaneous change was still reflecting in the system. I explained to her that I had spoken with Mr. XXXX and he had ensured me that those fees were waived. She said she saw the note but nothing about fees being waived. She said she would put in the request. I just received my current bill and the fees are still on my account, which total {$42.00}. I don't feel I should be obligated to pay them since they were having problems with their system.
Product: Debt collection

To whom it may concern : I have a collection account on my file from a collection agency named LVNV Funding LLC, my account number ends in XXXX. Please be advised that I am disputing this collection due to the fact that LVNV Funding LLC C/O resurgent Capital services P.O. XXXX XXXX, SC XXXX does not currently have a valid license in Illinois to collect on debts. This information is being stated on the XXXX website along with the Illinois XXXX XXXX XXXX website. I am requesting that you investigate this matter and delete this account from my credit file immediately or provide me with physical proof that LVNV Funding LLC is licensed in Illinois to collect debt. Your immediate response will be greatly appreciated. Thank you.
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. 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 : 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 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 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 XXXXXXXXhas violated my rights. 
I looked at Equifax credit report on XXXX XXXX and noticed somethi '' ngs are incomplete and not accurate.And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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 reporting or other personal consumer reports

PLEASE DO NOT SAY THIS IS VERIFIED, SEND ME WHAT WAS USED TO VERIFY THIS ACCOUNT Please be advised that this is my 3rd WRITTEN REQUEST AND FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my right and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite my previous 2 written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You stated in your responses to my 2 dispute letters that you have verified that the items listed below are accurate, but you failed to send me copies of the documents that you used to verify these accounts as per my request. The fact that you have ignored my request to send me copies of that of the documents that you used to verify the disputed accounts like you said you did. Your failure to delete the disputed accounts that you can not verify after 2 written requests is also evidence of your Willful disregard of Federal Law.

When we go through the discovery process you will be required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. The fact that you do not have any of the said documents in your files is proof that you did not properly verify the accounts within 30 days as required by law and Court will order you to delete them. 

You say that you have reinvestigated these accounts but you have admitted that all you have done is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation in violation of 1681 { a } { 4 }.

I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law and evidence of your willful disregard of the law.

Please be advised that under Section 611 { 5 } { A } of the FCRA-you are required to .PROMPTLY DELETE ALL INFORMATION WHICH CAN NOT BE VERIFIED. I request that you do this immediately. 

The law is very clear as to the Civil liability and remedy available to me { Section 616 & 617 } if you fail to comply with Federal Law. I am a litigious consumer and fully intend on fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Reason for dispute_UNVERIFIED NOT MINE
Product: Credit card

XX/XX/year> - home depot credit card was used in XXXX XXXX  for {$890.00} around noon - XXXX was the cashier XX/XX/year> - I received an email saying thank you for your purchase from XXXX XXXX - that's when I realized that something was incorrect XX/XX/year> - called home depot fraud department and put in a fraud claim - was notified that it would take 30 days to investigate. home depot responded back to me about a week later stating that i was found responsible for the charges for 2 reasons - 1 ) i didn't claim it was fraud ( even though the document that they sent said regarding your fraud claim and 2 ) they couldn't disprove it was me ( but also didn't check their surveillance for the investigation ) called home depot fraud department again disputing and the rep on the phone hung up on me for being unprofessional filed XXXX police reports- XXXX in XXXX XXXX for identity theft and XXXX in XXXX XXXX  for fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX SS # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX  Last reported XX/XX/XXXX {$22000.00} Reported balance XXXX XXXX  Last reported XX/XX/XXXX {$1200.00} Open balance XXXX XXXX Last reported XX/XX/XXXX {$1000.00} Open balance XXXX XXXX  Last reported XX/XX/XXXX {$190.00} Open balance XXXX XXXX SS # XXXX DOB XX/XX/XXXX ADDRESS XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit 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 has violated my rights .

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 reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account an open end consumer credit plan as late for any purpose.
Product: Money transfer, virtual currency, or money service

XXXX falsely asserts that transactions are processed quickly, and claims to users that the process requires far less work than it does. 

I was sending money to XXXX, so at XXXX, I selected XXXX from the top-level menu, and got this text : " It's very easy to send money to XXXX. From our website or app, simply enter the amount you want to send, select where you want the money to be paid out and decide if you want to pay with your bank account, debit card, or credit card. That's it! " The front page also promises that " Your transfer will arrive in seconds. '' The intent of this ad copy is to get users to initiate the transfer, surprising them with additional requirements after they have invested time to start the process. After submitting, I was told to call customer service, who told me to send personal documents ( via unencrypted email ). I was told that the user agreement states that documents should be mailed, but this is not true : the user agreement defines " XXXX XXXX '' as data, not mailed documents. 

I am unable to reconcile the statement " That's it! '' with the several additional steps required, and believe the promise made on the front page to be false. 

Verification takes a day, so the promise that the process takes seconds is misleading.
Product: Checking or savings account

My checking account was frozen XX/XX/ for a fraudulent check deposited electronically by a company phishing via email. 
I was told by Capital One bank that I had been scammed and that my account had been frozen. 
I was told that the account was being investigated and that it could take up to 90 days for the account to close and my funds to be sent to me as a check in the mail. Last month, XX/XX/, I spoke with a sarcastic rep. who told me to come and pick up the funds from a branch that is very far. I would end up spending almost the same amount of the monies due to me in gas to get to the branch. 
Again, I was told to wait for the funds in the mail. Today I see the account has been closed. I called to verify that a check has been sent to me in the mail and the bank keeps putting me back in queue and then hanging up on me. 
I just want my money back. I still have a credit card with the bank and I no longer want a banking relationship with Capital One, only for the back to send my little funds due to me in the mail.
Product: Debt collection

My former insurance carrier ( via my parents ) was not billed for services when I received medical treatment at XXXX XXXX in XXXX, Texas ( XXXX ). Instead, the facility listed me as self-pay when my valid insurance information was provided. The former insurance XXXX, XXXX XXXX XXXX  ( XXXX ), refuses to take calls or correspondence regarding prior coverage, although they were the active carrier at the time services were rendered. XXXX  is also known for not changing emergency visits to in-network to avoid paying valid medical expenses, since when seen in urgent or emergency care, you have no control over the network a physician uses for billing. My parents have also had difficulty with XXXX  not paying bills or taking calls, since my mother 's employer chose another carrier, but, in this case, I have no record that they were ever billed.

Elevate Recoveries placed a collection on my credit report, listing a different creditor than the facility that I visited, but for the same bill amount. I also deserve to be treated fairly by Elevate Recoveries, XXXX  and XXXX-XXXX, and should only be responsible for any remaining balance after my insurance pays based on my family 's coverage at the time of service. Additionally, XXXX-XXXX  did not advise me that I would be billed a premium totaling approximately 20 % more ( {$210.00} ) for visiting the 24-hour facility late at night.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX Pa XXXX XX/XX/2024 Bureau of Account Management XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, PA XXXX Dear Sir/Madam, I am writing to express my grave concern regarding the collection practices conducted by your agency, which I believe are in direct violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( c ) ( 4 ) ( I ), 12 CFR 1006.34 ( d ), and 15 USC 1681-S 2 ( 7 ) ( A ). 

Despite my attempts to resolve this matter amicably, I have encountered numerous instances where your agency has failed to comply with the aforementioned regulations. These violations include : 1. Failure to provide validation of the debt within the required timeframe as stipulated in 12 CFR 1006.34 ( b ) ( 5 ). 
2. Neglecting to cease communication upon my request, as outlined in 12 CFR 1006.34 ( c ) ( 4 ) ( I ).

3. Disregarding my rights under 12 CFR 1006.34 ( d ) regarding the prohibition of harassment or abuse.

4. Violating the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate or incomplete information to credit reporting agencies, as per 15 USC 1681-S 2 ( 7 ) ( A ). 

These actions not only constitute a breach of my rights as a consumer but also demonstrate a blatant disregard for the laws established to protect individuals from unfair debt collection practices. 

I demand that your agency immediately cease all collection activities related to the referenced account and provide me with written confirmation of such cessation. Additionally, I request a thorough investigation into the aforementioned violations and appropriate remedial action to ensure compliance with federal regulations. 

I'm letting the collection agency know that I'm disputing owing any and all debts to them. I'm revoking all rights of them communicating with me through email/ text/calls. 

I'm requesting debt validation, and the purchase agreement between the collection agency and the original creditor. 

I'm also requesting that they furnish proof that they are licensed and bonded. 

Failure to address these concerns in a timely and satisfactory manner may result in further legal action. I expect a prompt response within [ insert timeframe ]. 

Sincerely, XXXX XXXX This letter is a starting point, but feel free to adjust it according to your specific circumstances and preferences.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated.

These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I DO NOT OWN THE ACCOUNTS STATING BALANCES ON MY REPORT PLEASE REMOVE. MY CREDIT SCORE IS BEING SEVERELY DAMGED AND I AM UNABLE TO GET APPROVED FOR CREDIR CARDS AND LOANS. 

The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX Date Opened- XX/XX/XXXX Balance- {$700.00}, XXXX XXXXXXXX Date Opened- XX/XX/XXXX Balance- {$1000.00}, XXXX XXXX XXXXXXXX Date Opened- XX/XX/XXXXXXXX XXXX XXXX  Balance- {$300.00} XXXX 

The information is incorrect and does not belong to me. 

I looked at my Equifax credit report on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to 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 reporting or other personal consumer reports

You are in serious violation of TRUTH IN LENDING ACT ( TILA ) 15 U.S.Code 1637 ( b ) ( 2 ) ( a ). I recently checked my credit report and noticed billing errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

For over XXXX years Ive tried with both ally XXXX XXXX XXXX and XXXX to resolve the incorrect information on my credit report to no avail its a perpetual circle that no one knows how to fix or care to Ally Financial has me as delinquent on XXXX Credit Report and within bankruptcy when Ive been discharged from Chapter XXXX bankruptcy sinceXXXX also Ally Financial was paid in full. When I called they have no history of my account I do not have the Vin number since the car was totaled a long while ago please help