23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I had a bankruptcy discharge on X/XX/17 and have attached it to this complaint. My complaint is against USAA Credit Card XXXX, XXXX XXXX XXXX, XXXX XXXX, Texas XXXX, XXXX XXXX XXXX, XXXX XXXX, Texas XXXX. USAA Credit Card XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, Texas XXXX. XXXX. I am uploading a copy of a credit card statement they sent me whereby they are billing me for debts that were discharged in bankruptcy. They are not supposed to be doing this as this is in direct violation of the bankruptcy discharge injunction against them and they are robbing me of a fresh start. My concern is when this statement closes on the next statement cycle, or XX/XX/XXXX, they will report this to the credit bureau. This debt was supposed to have been written off by them. This debt was included in my bankruptcy and I have the claims register to prove it.
Product: Checking or savings account

XXXX fraudulent transactions happened on my XXXX XXXX debit card. I filled a claim and it was denied. All of these transactions happened in places that I don't go to and in towns a long way from my home. They are absolutely fraudulent and yet Wells Fargo refused to refund me the {$520.00} that was stolen from me.
Product: Credit reporting or other personal consumer reports

The following company has not received written consent to have the account listed below to be furnished on my credit report. 

XXXX XXXX XXXX Account XXXX XXXX opened on XX/XX/2021 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has falsely reported debt, false dates and false statements/signatures since XXXX  on 3 of my credit reporting agencies. I closed the account with a XXXX balance after only 6 months in XXXX  they told me Id still receive a {$35.00} fee for anual charges, I disagreed to pay that because it was charged already in the beginning as they all do that, plus I didnt have the card pass 6 months! They now want {$680.00} from {$35.00}? They only gave me {$150.00} limit which I paid in full!! Its been a 13 year nightmare with them! They continue to call and harass family & myself under scam or unknown numbers so they dont get caught!! I paid XXXXXXXX XXXX twice to remove them and they did, only to have XXXX XXXX XXXX falsely report again with new dates and new balances! This is 13 years of harassment and lost money on high interest due to false reports!! Paying attorney fees! Hold them accountable! Theres no debt, never was!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 Section 602 A states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 also states that 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 take any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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
Product: Debt collection

This complaint is to inform you that I recently received a copy of my credit report from XXXX, XXXX and XXXX, that publishes information that Pro Collect Inc reports on my credit file and after reviewing it I found a number of items on the report that are inaccurate. The original creditor which was XXXX XXXX XXXX sold this debt to Pro Collect Inc ( a collection agency ), XXXX XXXX XXXX also wrote off this debt in the amount of {$3000.00} and {$560.00} on their taxes which wrote off my obligation to pay. The original contract between XXXX XXXX XXXX homes and myself was cancelled. I have no obligation and no contract with Pro Collect. Please remove this debt from my credit file.By publishing these inaccurate and unverified items on my credit report you are damaging my reputation and credit worthiness.
Product: Mortgage

Good morning,We're filing this complaint against Bayview Loan Servicing, in the hopes that the CFPB will intervene and demand that they stop their deceptive business practices immediately.We've been in contact with Bayview since XX/XX/XXXX, regarding our desire to save our home. Unfortunately, they've been less than cooperative with assisting us in resolving our foreclosure matter, as well as, even providing us with updated 0information.Prior to submitting all loan modification documents - which were faxed on XX/XX/XXXX - we were working with an attorney who delayed communications with us, forcing us to disengage.We contacted Bayview on XX/XX/XXXX of XX/XX/XXXXr and we're told that because our documents weren't received within 37 days prior to sale - our sale date is XX/XX/XXXX - our request for a modification was immediately denied and documents weren't uploaded.On XX/XX/XXXX, we spoke with XX/XX/XXXX (XXXX XXXX), who told us that he would escalate the file and send an email to his manager while we were on the phone. He told us that he was requesting that they either waive the 37 day issue (we were two days short of 37 Days on our submission timeline) or recommend that we be reviewed for a Streamline Modification.He asked us to follow up with him on the 12th for an update and we've not spoken to him since. I've left him 2 voice messages XX/XX/XXXX, XX/XX/XXXX and emailed him XX/XX/XXXX. No response.XX/XX/XXXXIt's clear that Bayview is intentionally delaying communication with us, as well as, applying deceptive business practices regarding assisting us.We are determined to keep our home and would very much appreciate your assistance with this matter.Thank you,XX/XX/XXXXXXXX
Product: Credit reporting or other personal consumer reports

Dear Transunion In accordance to the Fair Credit Reporting XXXX XXXXXXXX XXXX XXXXXXXX XXXX  # XXXX violated my rights 15 U.S.C. 1681 section 602 A states I have a right to privacy.15 U.S.C. 1681 section 604 Section 2 also states a consumer reporting agency can not furnish a account without my instructions. I told XXXX, Transunion, and XXXX to reinvestigate the above listed accounts : However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. According to 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. Sincerely XXXX XXXX XXXX
Product: Debt collection

I received a notice from Midland Credit Management on XX/XX/2023. On XX/XX/2023 I sent a letter with tracking number for them to cease any further contact with me. I also informed them the original creditor, XXXX XXXX charged off the account and according to my credit report it is showing a XXXX  balance. I also told them they do not have a legal binding contract with me ; therefore the debt is no longer owed because the original creditor has charged off the amount owed I no longer owe the debt. On XX/XX/2023 I received a missed call from Midland Credit Management at XXXX violating my request to cease all contact with XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

these XXXX  are putting illegal tranaction on my report, with I do not want them on my report, I have a right to privacy, I didn't give my written consent, title 15 section 1681 subsection 602 A says I have a right to privacy, also I didn't give consent to report any charges off late payment, or derogatory information 15 u.s. codes 1681 subsection 604 A, states that, titles 15 section1692 states the debtor shall have no communcation with the consumer, I want these item deleted from my report, and a XXXX fine for each volation, XXXX and Equifax never validated the debt they never respond it been 40 days
Product: Vehicle loan or lease

the account starts with XXXX can't see the whole account number this was for XXXX XXXX they took the car and sold for the car but is still asking me to pay XXXX knowing they have already gotten the full amount for the car this is for all three-credit agency i have been putting in dispute for XXXX, XXXX, and Experian for years I've also ask for supporting information for them to do an thorough investigation this practice violates the fair credit reporting act FCRA 15 u.s.c 1681 which mandates a reasonable investigation of disputes, furthermore Experian, XXXX, XXXX action may have contravene the consumer financial protection act CFPB 12 u.s.c 5536 a-b as highlighted in the CFPB administrative proceeding file no-2025-cfpb-0002 against them for similar violation, I request the CFPB to take action to ensure that these credit reporting complies with federal law and provides consumers with the necessary proof of investigation also they have so many inquiry on all credit profile that isn't lint to any account I don't know how this happens in I have asked them foe years to remove them they have not remove anything they have had wrong address and names on my account and list of jobs and income that I didn't give them also phone numbers this have been hurting my credit for years it has cause ongoing harm to my credit standing. these failures align with my experience, where Experian, XXXX, XXXX has neither corrected nor removed disputed items despite the evidence
Product: Checking or savings account

Wells Fargo took money from my account by withdrawing {$1900.00} without authorization and took an additional {$1900.00} by refusing to deposit into my account those funds that had been taken out of another account. Here are the details... 

I deposited a {$1900.00} rent check on Friday ( XX/XX/22 ) at the Wells Fargo branch located at XXXX XXXX XXXX XXXX, XXXX, FL XXXX. On Saturday ( XX/XX/22 ) I had noticed that the teller did not deposit the check but actually debited the account {$1900.00}! The deposit ticket had the account number of the tenant as though the check was deposited in their account. The tenant sent me proof that the check was not deposited in their account but in fact their account was debited for the amount of the check. 

On Saturday ( XX/XX/22 ) I went to a different Wells Fargo branch located at XXXX XXXX XXXX, XXXX XXXX, FL XXXX and spoke to a teller. The teller initially told me that I needed to go back to the original branch to resolve this issue, but they later reluctantly agreed to submit a claim. I was told it would take up to two weeks for this to be resolved and a credit given to my account. These are funds that belong to me and should have been returned immediately. 

On Monday ( XX/XX/22 ) I went back to the original Wells Fargo branch XXXX XXXX XXXX and spoke to XXXX XXXX. He again refused to resolve the problem and told me that I would have to wait two weeks. 

Today ( XX/XX/22 ) ( after trying to resolve this with two different Wells Fargo branches ) I sent an email to XXXX XXXX at Wells Fargo. I have not received any response from XXXX XXXX or anyone from Wells Fargo.
Product: Debt collection

Ive filed disputes for XXXXXXXX XXXX accounts and XXXX XXXXXXXX XXXX credit card account and the disputes are handled due to me facing hardships through the natural disaster of Covid-19. And the accounts have been removed from my credit file 3 times and these companies keep adding them back which is against the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my complain for you to notify some information on my file that are seems to be erroneous. It is a requirement by law 605b of the FCRA to remove some inaccurate items that are fraudulent. Im sending this letter certified mail to help establish a legal recourse. If you choose to not remove the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. These are the following inaccurate items : XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX Bankruptcy XXXX XXXX ; XXXX XXXX XXXX Balance : {$0.00}. 
XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$16000.00} ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$16000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed these inquiries on my file with XXXX XXXX & Experian. I have sent out mail & called them numerous amounts of time. I have gave them more than enough time like 45 days I have been waiting for a response so now please remove this off my report I have no accounts or anything pertaining to these inquiries so why are they here man!
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX  that works night shift in different states. I thought that my card was paid automatically but it was debited at the wrong time to my knowledge. XXXX XXXX closed my account for this mistake after I asked them to keep it open and that I would pay the balance owed immediately. XXXX XXXX showed no mercy and closed my account. XXXX XXXX also reported that I was late paying them. The account was closed and I paid the account in full. 

I am humbly requesting that XXXX XXXX removes the incorrect late fee from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/2023 to update this suspicious information. I think you have not validated this account 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, and I'm including it again. 
XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Bank account or service

Consumer Info : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX. Bank Info : Citizens Bank XXXX XXXX XXXX XXXX, XXXX, PA XXXX ( XXXX ) XXXX. The bank manager was not available on XXXX/XXXX/2016, the Friday before memorial day weekend for me to discuss a dispute of charges with her. I spoke with licensed banker XXXX ID # XXXX XXXX XXXX and was told that I would not be charged an additional charge until I was able to speak with the manager on Tuesday, XXXX/XXXX/2016. I just spoke with this same banker, XXXX XXXX over the phone today ( XXXX/XXXX/2016 ), and she told me that she spoke with the manager, there was nothing they could do in regards to the charges on my acct and I was now responsible for the ADDITIONAL fee incurred today XXXX/XXXX/2016 which is ridiculous considering it occurred during the time the manager decided to take a TRIP and not available. This is unfair!!!! Details of transaction/fees : XXXX/XXXX/16 Check # XXXX for {$27.00} causing a negative balance of {$24.00}. Service Charge Sustained Od of {$30.00} on XXXX/XXXX/2016, XXXX/XXXX/2016, XXXX/XXXX/2016. Also, I was not notified of my negative balance while I received these service charges every 5 days, no mail was received. I was blindsided which was why I wished to speak with the manager in the 1st place on the XXXX/XXXX/2016.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Money transfer, virtual currency, or money service

Cash App closed my account with no explanation Ive tried to discuss this matter with them but they have stopped responding. I use the app frequently to send and receive money to and from friends and family. Its made my life significantly less efficient due to ATMs and ATM fees. As you can see in the attached photos I gave ample time for them to try and resolve this. I demand an explanation and the reinstatement of my account. 
Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a certified mailing letter ( XXXX XXXX XXXX XXXX XXXX ) to Experian requesting the procedures for verifying an account with XXXX XXXX XXXX XXXX on my report. I had previously sent a validation letter to XXXX XXXX and they had been unable to show proof that the debt belongs to me. As a result, I wanted to know how Experian was able to verify the debt and I could n't. 

Experian has never responded to me. It has been beyond 45 days from the date they 've received the letter, delivered XX/XX/XXXX. 

This is a clear violation of the Fair Credit Reporting Act and Experian should be held accountable for non-compliance.
Product: Credit card

My name is XXXX XXXX I am keeping reporting my this issues over and over to yall for years and months and ages and no resolve still yet I didnt open a account with yall everything time I dispute the account account with yall and yall say I open the account when I never did I never authorized a account with yall or sign no paperwork or did a signature with yall to open a account and to get a card with yall or did business with XXXX yall service or vendor my picture id was lost and stolen and used for yall and and XXXX was used and I never did a hand signature with yall or yall service or vendor or a electronic XXXX online or by device with yall or service or vendor my informations was stolen and lost and used without my permission and my first name dont match on yall record it is XXXX not XXXX and account information is XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and credit card account number ending in XXXX dispute need to be reopen or investigative or reinvestigated or make into a new dispute for yall to investigate again and for any other accounts y'all open for no reason need to be disputed as unauthorized and fraudulent and charges disputes to {$0.00} because I am not responsible for this accounts and charges and dont open no new accounts for me when I didnt request it when I just report this issue as fraudulent unauthorized account open in my name without my permission and I want this to be favored in my end this is the last time I report this to yall I am tried of contacting yall about this and XXXX XXXX helping me next step I will take yall to XXXX XXXX XXXX and then take XXXX XXXX XXXX for a lawsuit if I have to after XXXX XXXX XXXX if XXXX XXXX XXXX this XXXX my end etc Update I need yall to investigate this because XXXX decision in XXXX XXXX isnt truth I never open a account with yall and the name dont match on my picture id and this is fraudulent please reopen the investigation and investigate again etc.
Product: Debt collection

Please be apprised that LVNV Funding LLC XXXX XXXX Bank are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated my rights by : 1. Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) 2. Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) On XX/XX/2021, I sent by certified mail ( receipt number : XXXX XXXX XXXX XXXX XXXX, a request for your office to provide me with proof and evidence of the debt you alleged I owed. Not only have you ignored my prior requests for validation of debt but you continue to report an unverified and disputable debt to the credit bureau causing damage to my character. You failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Everyone is entitled to a validation. In my certified letter that I sent on XX/XX/XXXX I kindly asked for : 1. What the money you say I owe is for 2. Explain and show me how you calculated what you say I owe ; 3. Provide me with copies of any papers that show I agreed to pay what you say I owe ; 4. Provide a verification or copy of any judgment if applicable ; 5. Identify the original creditor ; 6. Prove the Statute of Limitations has not expired on this account ; 7. Show me that you are licensed to collect in my state ; and 8. Provide me with your license numbers and Registered Agent. You may wish to familiarize yourself with what is required when validating a debt. Your business had more than enough time to perform a proper investigation, the 30day mark has come and gone therefore this unverifiable account should be removed from my credit report. There is no question that you willfully violated my rights and that I could bring charges against you immediately. However, I am assuming this has been a terrible mistake on your part and that you will take appropriate steps to enlighten yourself and your staff of such dangerous actions. I will also be checking my credit report to see if you corrected the errors by simply removing this unverifiable account from my credit profile permanently from all 3 bureaus. I must remind you again to not contact me in any way via phone or mail in reference to collecting If I receive anything other than absolute removal of the account from my report, I will assume you are harassing me, and I will take action against you for these continued violations and abuse. As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore within the 30day period, that must mean you agree with me that this debt is false. I will use the XXXX in my defense. 
Thank you for your time Sincerely, XXXX XXXX *Proof of my validation and certified receipt accompanies this complaint.
Product: Debt collection

I reviewed my credit reports and saw this account showing i owed them {$200.00} for a loan I didn't take out in XX/XX/2021. It showed payments of {$5.00} was made in store in Michigan, I live in California and I never opened an account with them. I disputed the information with all three credit agencie, XXXX and XXXX took them off my report, XXXX did not. I need for the company to be taken off my report. This is not my account, someone used my information to take out a loan in Michigan, please help. 

Sincerely, XXXX XXXX
Product: Debt collection

I do not know of this debt. This company has contacted my jobs, my brother, my son, my aunt. This is embarrassing. No recollection of any kind that this debt belongs to me. I want them to stop harassing me as my immediate managers are not happy with this company calling asking for me. I do not know what this is as I became homeless in XXXX, I lost my son in XXXX, was in a shelter, stayed in my car and I do not need any stress markers moving forward. Please have these people or whatever they are stop harassing me. when work answers they say nothing then hang up like prank calls and callers.