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

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX Balance : {$22000.00} ; XXXX XXXX XXXX XX/XX/2022 ; XXXXXXXX XXXX XXXX Balance : {$22000.00} ; XXXX XXXX XXXXnquiry Date XX/XX/2022
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX To Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

Provide breakdown of fees including how you calculated what you claim I owe.

Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt.

Cease any credit bureau reporting until debt has been validated by me as required under the FCRA.

Send me proof that you are licensed to collect debt in the my state.

validation request, which I am allowed under the FDCPA.

I will await your reply with above requested proof. Upon receiving it, I will correspond back with 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. Account name XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Account name XXXX XXXX account XXXX XXXX, Account name XXXX XXXX XXXX account number XXXX, Account name XXXX XXXX XXXX XXXX XXXXXXXX, Account name XXXX XXXX XXXX XXXXXXXX, Account name XXXX XXXX XXXXXXXX XXXX XXXX, Account name XXXX XXXX # XXXX, Account name XXXX XXXX XXXX XXXX XXXX has violated my rights. 
I looked at my XXXX credit report on XX/XX/year> 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 suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( ) 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, credit repair services, or other personal consumer reports

The three Credit Report Agencies EQUIFAX, XXXX  and XXXX  lowered my Credit Score recently in the amount 50 to 100 points. This reduction is due to High Balances on my Accounts which is normally legal however there is no evidence that do to these balances my payment history change. The Credit Score is the first thing a Lenders see there are very few if any to look past that score before denying credit. I have made 100 % of payments on time for the past 5 years however I was denied recently by XXXX XXXX XXXX XXXX where I have been a member for 6 years due to this misinformation. It is quite damaging to me as a consumer that affect the quality life of my family. If a Credit Reporting Agency is going to release that type of damaging information a notation should be send to the Lender up front that the Consumers payment history status is still 100 % perfect if there is evidence.
Product: Credit reporting or other personal consumer reports

I placed two disputes via XXXX on behalf of Home Depot stating that the information is incorrect for late dates and reporting on a closed account. The company kept putting charged off ( CO ) on my credit report for the year XXXX, along with inaccurate late payment dates when my account was closed in XXXX. When I disputed the account, the company put " closed as of XX/XX/XXXX blatantly ignoring my dispute. I called XXXX and spoke with a representative, and they did the second dispute over the phone. On XX/XX/XXXX, the results came back worse bringing my score down by XXXX points. The company put the account, " charged {$2600.00} written off. {$2600.00} past due as of XX/XX/XXXX ''. The amount reported like it is an open account and that I have a current due balance. This account was closed in XXXX there should not be any reporting to this account for any time after. The company keeps updating as if the account is open.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX 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: Debt collection

I received a letter from the company Convergent today, XX/XX/XXXX, stating that I owe the company XXXX a debt of {$560.00}. The letter is dated XX/XX/XXXX. I have never received a bill from XXXX or have an account with them. I used XXXX 's service in XXXX when I worked for them, and paid about {$20.00} a month. I never owed them a bill as I paid them off and switched companies. XXXX has never repored a debt to any of my credit report companies and upon researching this I have found many people that have been contacted by Convergent for debts that they have never heard of, many for XXXX. I immediately called XXXX and talked to a representative. Since I do not have an account with them they stated to disregard the letter as it is possibly fraud. The rep stated that if I get another letter to go into a XXXX  location and show them and to have them report as fraud. They couldnt do anything further for me over the phone. I am afraid this company is trying to collect a debt on a fraudulent account opened using my information. My credit reports have stated i have had past information involved in data breaches from different companies. I will not be contacting the company Convergent as I do not want them to start calling me or trying to collect more information from me. I am locking my credit reports at this time but i fear that this company will be able to report this debt to my account when I do not pay. I will dispute it if they do so.
Product: Credit reporting or other personal consumer reports

amount {$2600.00} and the date this account was opened XX/XX/year>
Product: Debt collection

There is no description for my issue listed above. Intimidation by mail and discrimination based on gender and income-level is rather missing. That will have to be the closest. 

Multiple months after any prior contact from them, Portfolio Recovery Associates LLC and its attorneys has seen fit to send me a letter informing me that I may request documentation concerning my original account. While that is entirely legal, disappearing for months and then coming at me out of the blue is reprehensible at best, and is a clear tactic designed to catch me off-guard in an effort to con me into paying them. As stated in the past, I will work with agencies who act ethically and stay within certain principles. At no time has Portfolio Recovery Associates -- or their attorneys, XXXX, XXXX, XXXX, XXXX, and XXXX, XXXX -- shown themselves to meet these criterion. This is blatant harassment of someone on Supplemental Security Income.
Product: Checking or savings account

On XX/XX/2022 I visited XXXX XXXX and XXXX XXXX Ok. I attempted to visit one of the Everi ATMs. I selected purchase gaming ticket which requires putting in a pin. Upon doing so the transaction said and prompted this transaction could not be completed please contact your financial institution. My card was promptly ejected and it went back to the please insert card. After it cancelled I checked my online banking and I was INDEED CHARGED This was a transaction, In the amount of {$2000.00}. I promptly told security they reviewed the atm and assured me I was not charged. I showed them I was, and the guy told me that the transaction will fall off in two business days. The transaction never fell off. Then I disputed it with my bank, everi sent a response stamping it with a stamp twice saying REDEEMED. I didnt even get a print receipt and their cashier told me there was nothing they could do I should call everi which I did. However Everi because they marked that stamp told my bank someone received and redeemed it and it wasnt me. This has caused my account to overdraft because of something I never received.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Debt collection

I used ComenityXXXX XXXX XXXX to pay for {$1200.00} of dental work. I made regular monthly payments including paying late fees at times that I didn't believe I owed. The reason I didn't agree with the late fees is because I would call in to make my payment before the due date and the auto payment system wouldn't be working. I would get a rep on the phone who would ask me for my Comenity credit card number. I would try to explain that I didn't have a Comenity credit card. The reps seemed unable to understand that. We would go round and round and I would hang up and mail my payment in. In XX/XX/XXXX I made what I believed was my final payment of {$400.00}. I wrote PAID IN FULL on my check. In XXXX I received a bill from Comenity XXXX XXXX for {$180.00}. I also discovered that they are reporting me as past due to the credit bureaus. I filed disputes with the credit bureaus and received a letter for Comenity Capital Bank in XX/XX/XXXX stating that they had investigated my dispute and show that I have a balance due of {$220.00}. The XXXX bill I received shows a balance {$310.00} They are increasing the amount I owe monthly and reporting this to the credit bureaus when I don't pay. I wrote PAID IN FULL on my final check to avoid these types antics
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following accounts. XXXX and remove it. 
XXXX XXXX XXXX Balance : {$860.00} & XXXX XXXX Balance : {$2100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

1. The term consumer report does not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device.

2. Any consumer reporting agency may furnish a consumer report under the following circumstances and no other In accordance with the written instructions of the consumer to whom it relates.

I wanted to provide some information i found in the Fair Credit Reporting Act for the credit reporting agencies I'm making this complaint about.

I DID NOT CONSENT TO, AUTHORIZE, NOR BENEFIT FROM THE INQUIRES IVE LISTED IN THE FTC REPORT I HAVE PROVIDED I HAVE ALSO PROVIDED PROOF OF IDENTIFICATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting thisXXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX  paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit card or prepaid card

I scheduled a payment on XXXX that was removed from my checking account and applied to my balance. However on XXXX, Barclay removed another identical payment of hundreds of dollars from my bank account. The money is missing from my checking account and has cleared according to my Primary bank however, it is not reflected in my credit card balance, nor was it scheduled. Upon calling all they were able to tell me is that it was a known issue, and they were not able to offer any resolution. So they erroneously took money out on a random day for a payment that wasnt scheduled. They then offered no resolution or to make me whole because I incurred other fees due to funds not being available that shouldve been in my checking account.
Product: Debt collection

Comenity bank calls me at least XXXX a day for credit card debt. Ive already explained my situation of losing my job and also requested they send me the statements and debt information/plan offerings to me via mail. I asked them to quit calling me and mail me the information. They continue to call. 

Here are just the list of voicemails ( which they dont leave every time, they call a good XXXX more than they leave automated voicemails ) XX/XX/XXXXXXXX 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
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I used RIA to transfer {$1500.00} XXXX, to my son XXXX XXXX 's bank account at XXXX Bank in XXXX. The funds never reached his account even though RIA says it was paid. XXXX XXXX Bank did a search and claims they received no transfers from RIA. I have contacted RIA many times without any satisfaction. Every time I call, I speak to a different person. They tell me they will call me back and never do. I went to XXXX a number of times to get help and they tell me they can do nothing. They even had the bad taste to tell me " someone was enjoying my money. ''
Product: Checking or savings account

Formal Complaint Regarding Treatment of a Senior Protected Group MemberTo Whom It May Concern, I am writing this formal complaint regarding the treatment of my aunt, a XXXX XXXX XXXX who is currently facing severe challenges with her banking situation. My aunt, who has control over her finances and banking, has been a victim of theft from her bank account by criminal entities and companies exploiting her through unauthorized auto drafts.Upon discovering the fraudulent activities, I took immediate action and became my aunt 's Power of Attorney ( POA ) to assist her in managing her affairs and protect her assets. Her bank account has been frozen, which has resulted in significant disruptions to her life, including shut-off notices and delays in payments for essential services. This is deeply concerning, as her husband, my uncle, may be at risk of being XXXX from his XXXX facility due to delayed payments.Despite my efforts to resolve these issues swiftly by visiting multiple PNC branches, the process has been frustratingly slow and convoluted. PNC 's requirements have necessitated multiple changes to the POA documentation, further delaying resolution. This has left my aunt in a precarious financial situation, with potential late fees and negative impacts on her credit.Seniors are a protected class of individuals, and your bank 's actionsor lack thereofare unacceptable and discriminatory. Attempting to verify my aunt 's identity through methods she can not use, such as texting a code to her phone, and sending it to the wrong number, further exacerbates the situation.I strongly urge PNC to establish a dedicated department to ensure fair treatment of senior clients, who often face unique challenges in managing their finances. My aunt 's current line of credit with your institution carries an unreasonably high interest rate of 26 %, with only interest being paid, further exacerbating her financial stress.I am actively exploring alternative banking options for my aunt, as I can not allow her to remain in a situation where she is not valued or protected. XXXX XXXX  is one such institution I would recommend.Finally, I will be filing a complaint with government agencies to bring attention to PNC 's handling of my aunt 's finances, including her pension and SSI. I demand immediate action to rectify these issues and ensure my aunt receives fair treatment and prompt resolution of her banking matters.I look forward to your prompt response and corrective action. Failure to address these issues will leave me no choice but to pursue legal avenues and escalate this matter further.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX, and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CARD XXXX XXXX XXXX XXXX
Product: Checking or savings account

I HAD A COUPLE OVERDRAFT FEES CHARGED TO MY ACCT THEY DID A REVERSAL DO TO A COMPANY ERROR AND I DEPOSITED THE MONEY FOR PENDING TRANSACTIONS AND NOW I GOT ANOTHER  XXXX  OVERDRAFT FEES FOR THOSE SAME TRANSACTIONS.. THEY WILL NOT REVERSE THEM. SO I GOT CHARGED  XXXX  FOR A  XXXX  DOLLAR  XXXX  'S   XXXX   AND A  XXXX  DOLLAR LIFE INSURANCE PAYMENT.
Product: Vehicle loan or lease

I paid off the loan for the lease buyout on my XXXX XXXX XXXX with Chase Bank in XXXX. Last summer I learned that Chase Bank hadn't issued me the title to my vehicle when I went to sell it. I've been trying to work with the bank since XX/XX/XXXX to get title to my vehicle. During this time Chase Bank has made no progress on getting me the title to my vehicle. 

As of XX/XX/XXXX, Chase bank claims to have mailed me the lien release document that I need, so I can go to the DMV and get title to my vehicle. However, they sent the document to an old address and not my current mailing address that is on file with the bank. In addition, when I finally do get title for my vehicle, the DMV is going to require that I pay the sales tax for the lease buyout. The sales tax for the vehicle was covered in the loan that I got from Chase at the time I bought out the lease. So Chase is essentially profiting by keeping this money and not using it to pay for the sales tax.
Product: Credit card or prepaid card

American Express charged me interest on charges that I had put into disputed status, THE DISPUTES ON WHICH ARE STILL UNRESOLVED TODAY, in blatant and fraudulent disregard of governing federal consumer protection law that PROHIBITS EXACTLY THIS! I detailed this for them in 3 phone calls over the last 2 months, but they refused to remove this fraudulent interest charge. They also refused my request to have all 3 of my calls transfered to a supervisor in the US! 

All of this despite the fact that I have always, EVERY month for the past 19 years that I have been with American Express, paid my ENTIRE undisputed balance in full and on time, as I detailed to them in those 3 phone calls. American Express is tired of not making an " extra profit '' off of me ; the float they earn off my SIGNIFICANT monthly charges is not enough for them! They have to try to charge me their OUTRAGEOUS interest that they do to thousands of their card holders! 

American Express is also doing this to retaliate against me for the prior complaint I filed with this CFPB detailing how I was unable to use my card at all over a 3 month period because, EVERY time I tried to use it, American Express put a LUDICROUS and FRAUDULENT block on every charge with an equally- ludicrous claim that the charge " appeared to be suspicious ''. EVERY one of those supposedly-suspicious charges was to a MAJOR, TOTALLY-REPUTABLE US merchant/vendor!! ! And then American Express had the audacity to wait more than 30 minutes on EVERY one of those blocked charges to send me a text message requiring me to verify that the charge was OK!!! By then I had obviously finished the on-line charge and/or left the store in question, having had to make the charge using a different credit card that I did NOT want to use!!! All of those charges went through on that other card with absolutely NO PROBLEM WHATSOEVER!!! Of course they did : they were NOT suspicious in nature AT ALL!!! 

If I have to pay this FRAUDULENT interest charge, I will sue American Express in small claims court to recover it AND ALL applicable/related legal costs.
Product: Credit reporting, credit repair services, or other personal consumer reports

I receive a copy of my XXXX credit report and its how an Inquire on my report that I did not authorize form comenity bank on XXXX/2017. I do not do business with this company and did not authorize my credit be access by this bank.