23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I have called pnc every day in XX/XX/year> There customer repeatedly asking to talk to higher management because no one can answer why my accounts are on hold and why I cant access my funds they also cant tell me when this hold will be lifted. No one has called me. I wrote 7 letters to the branch on XXXX XXXX in XXXX XXXX, no response or call. I went into the branch 9 times requesting to close my account and to give me my money. They refused. They did not answer any of my questions and were of no help at all. This is atrocious. I want them to close my accounts and give me my money immediately. At this point its theft
Product: Debt collection

XXXX XXXX XXXX held my eviction court appearance letter in order for them to win by default in XX/XX/2017. By doing so I had no knowledge of when to go to court which may have extended my time there allowing me time to get caught up.
Product: Debt collection

XXXX XXXX is threatening to sue me for an old debt they bought that is out of the statute of limitations for California. They have also failed t mail me a letter 5 days after calling.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Balance {$8500.00} Balance updated XX/XX/XXXX SANTANDER CONSUMER USA Balance {$8700.00} Balance updated XX/XX/XXXX All this information in accurate for my address XXXX XXXX Balance {$1600.00} Balance updated XX/XX/XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX Date XX/XX/year> Consumer Financial Protection Bureau ( CFPB XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  : Complaint Regarding Collection Activity by WAKEFIELD & ASSOCIATES Dear CFPB, I am writing to file a complaint against WAKEFIELD & ASSOCIATES for violating the Fair Debt Collection Practices Act ( FDCPA ) and my rights as a consumer.

1. Failure to Provide Validation Information I received a communication from WAKEFIELD & ASSOCIATES stating that I owe a debt of XXXX to XXXXXXXX XXXX XXXX XXXX. 

However, the collection agency failed to provide me with the required validation information as outlined in 12 CFR 1006.34 ( b ) ( 5 ), which includes the amount of the debt, the name of the creditor, and a statement of my rights to dispute the debt. This omission violates my right to ensure the accuracy of the debt before it is reported to credit reporting agencies.

2. Lack of Opportunity to Dispute the Debt Furthermore, the collection agency has not provided me with a clear and straightforward method to dispute the debt, in violation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This lack of access to the dispute process hinders my ability to challenge the validity of the debt.

3. False, Misleading, and Deceptive Practices The collection agency 's actions constitute a violation of 15 U.S.C. 1681-s-2 ( 7 ) ( A ) by using false, misleading, and deceptive means to collect the debt. Their failure to provide validation information and opportunity to dispute creates an environment of pressure and confusion, which is unfair and unlawful.

4. Furnishing Information to Credit Reporting Agencies Without Proper Disclosure Additionally, the collection agency 's attempt to report the debt to credit reporting agencies without providing the necessary disclosures outlined in 12 CFR 1006.34 ( d ) is a violation of my rights. This action could negatively impact my credit score without ensuring the legitimacy of the debt.

5. Request for Resolution Therefore, I am requesting the CFPB to investigate these violations and take appropriate action against WAKEFIELD & ASSOCIATES This includes : Instructing the collection agency to cease all collection activities until they comply with the FDCPA.

Requiring the collection agency to provide me with the missing validation information and a clear process to dispute the debt.

Preventing the collection agency from reporting the debt to credit bureaus until its accuracy is verified.

Furthermore, I request the following documentation from the collection agency : Debt validation document as outlined in 12 CFR 1006.34 ( b ) ( 5 ).

Proof of their agreement to purchase the debt from the original creditor.

Verification of their license and bond status.

I have attached copies of all relevant documents, including the communication from the collection agency.

Thank you for your time and attention to this matter. I look forward to your prompt response and resolution of this complaint. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently got calls from 2 credit card companies, one from XXXX, the other XXXX XXXX  XXXX XXXX, that I have applied credit card which I did not. I was confident that someone is applying the card on my name. I started to visit 3 major credit company websites ( Experian, XXXX, XXXX  ) to place credit freeze on, only to find out that there's obvious way to just freeze my credit. instead I am directed to buy their $ XXXX {$30.00} per month protection bundle services individually. I know that my credit information is compromised due to XXXX data leak in 2017 and I was able to put credit freeze on this for free at least, but the rest of the other bureaus are trying to capitalize on the information leak from other bu
Product: Debt collection

I was an authorized user on my wife 's credit card and they are trying to collect the debt saying I am a joint account owner. They have no paperwork to prove this. They have put the debt on my credit report and will not remove it.
Product: Credit reporting

Attempted to mail extended alert to Transunion. Transunion gives the address as XXXX, PA XXXX. The US Postal Service infomed me that this address does not exist. Many other people have reported the same problem in online complaint forums.
Product: Credit card or prepaid card

called customer service spoke with manager XXXX asked to have interest {$3.00} assessed on XX/XX/2019 when my account was paid in full on XX/XX/2019 payment {$2300.00} resulted in a " credit '' balance of {$11.00}. There was no balance for XX/XX/2019 yet I was assesses interest. manager XXXX denied my request to credit back my accoun refused my request to be transfer to upper management. I am requesting to have the interest {$3.00} assessed credit to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Freedom Debt Relief was helping us with our bills we were paying them {$1000.00} a month to to consolidate our bills. We thought they were paying our bills but they were just paying them one at a time but the rest of the were not paid. Then the rest of the bills got late on payment.
Product: Credit reporting or other personal consumer reports

Tried disputing with equifax etc about charges on my credit that isnt mine
Product: Credit reporting or other personal consumer reports

I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score Account XXXX  XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, please provide the names and business addresses of each individual with whom you verified the account, so that I may follow up. 
Please send me an updated copy of my credit report after your reinvestigation. 
XXXX XXXXXXXX
Product: Debt collection

A prior landlord has attached {$8900.00} on my credit report. I did not owe him anything when I moved out. He has never got a judgement against me for this amount. I went to mediation with the collection agency who was suing me. The case was thrown out due to the prior landlord obviously altering paperwork he submitted. Yet, this invalid debt remains on my credit report, despite me trying numerous times to have it removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Report suddenly shows 10 XXXX loan accounts passed due 90 days. I am still XXXX XXXX and have not received any request to pay on these loans. My loans are not due yet. I need these removed from my credit report as late payments immediately.
I have not received any correspondence requesting payment. My address is till current. I am currently enrolled in school.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain information on my credit report that I believe to be fraudulent, as permitted under Section 605 ( b ) of the Fair Credit Reporting Act. List on the fraudulent accounts are attached on my FTC REPORT XXXXPLEASE READE FTC REPORT IN DETAILXXXX
Product: Prepaid card

On XX/XX/year> 3 withdrawal transaction in the amount of {$300.00} dollars per withdrawal I immediately searched address shown in account withdrawal transaction history an spoke with manager and manager stated a XXXX female did pull out XXXX an was upset she could not withdrawal the other {$200.00} left in account. I put hold on card never received a new one never received a dispute denial or any information on how to appeal dispute even after a police report was also filed and case number given is statement for netspends dispute section of the company and company unauthorized the approval of my dispute and denied me
Product: Credit card

Applied for a credit card and was told to sign documents and I would hear an answer back within a week. I applied on XX/XX/XXXX and called the second week in XXXX to check the progress and was told oh you were denied. I found it hard to believe seeing that I have good credit an bank account with them already. However I asked when we're you all going to inform me seeing that I never got the email correspondence I was told I would get. I was told you will get a letter in the mail that was sent out XX/XX/XXXX. It's XX/XX/XXXX and I have still never gotten an email or letter stating I was actually denied or the reason ( s ) I was denied credit.
Product: Checking or savings account

My bank Union Bank, charges a {$10.00} fee monthly fee if account falls below a certain amount. You can avoid that fee if you combine your accounts and they meet certain requirements. I combined my two checking accounts XXXX, account assessed, and XXXX. Usually their totals avoid the charge. Some times the totals don't, but another exception is if combined accounts have direct deposits of {$500.00} or more. My Social security is direct deposited monthly to account XXXX and it is over {$2000.00}. When I raised this with Union bank they credited my account for one fee ( thus admitting their error ), but would not for a XXXX charged fee. Basically it admits it was wrong, but will not go back 4 months to correct their illegal charge. {$10.00} is not going to kill me, but what concerns me is XXXX is probably ignoring this exceptions on other customers combined accounts as well and thus making $ XXXX of dollars every month in fees improperly assessed. They need to be called on their illegal game and I would also like my {$10.00} back. I'll drink to your health with it. 







XXXX
Product: Debt collection

They have threatened myself by falsely stating there was a warrant out for my arrest. I had to come to the Sheriff office. I called the office and they said, its a scam and contact XXXX XXXX. 

They have contacted both my mother and father who are elderly saying that THEY would have to appear in court regarding this matter that they can't discuss pertaining to me.
Product: Credit card

An attempt was made to open a credit card account for JPMCB not authorized by me on XX/XX/year>. I received a letter from Chase Bank indicating an application for a credit card was attempted. They felt it was fraudulant and did not proceed with the application.
Product: Debt collection

Dear Sir/Madam, I am writing to formally dispute the collection of a student loan debt reported by NelNet XXXX XXXX This dispute is made under the following consumer protection regulations : 1. **12 CFR 1006.34 ( b ) ( 5 ) ** 2. **12 CFR 1006.34 ( c ) ( 4 ) ( i ) ** 3. **12 CFR 1006.34 ( d ) ( n ) ( 15 ) ** 4. **15 U.S.C. 1681s-2 ( a ) ** According to my records, the debt reported by NelNet XXXX XXXX XXXX and should be removed from my credit file. I believe this debt to be either incomplete, inaccurate, or not verifiable, and I am requesting an investigation into the matter. 

# # # XXXX CFR 1006.34 ( b ) ( 5 ) This regulation requires debt XXXX to provide specific information about the debt, including the name of the creditor and the amount of the debt. I have not received this necessary information, making the debt unverifiable. 

# # # XXXX CFR XXXX ( c ) ( XXXX ) ( i ) This regulation mandates that debt XXXX must provide validation information, including the date of default and the current amount owed, upon request. I have requested this information but have not received a response. 

# # # XXXX CFR 1006.34 ( d ) ( n ) ( 15 ) This regulation stipulates that debt XXXX must cease collection activities if they can not provide accurate information regarding the debt. Since the required information has not been provided, collection activities must be halted. 

# # # 15 U.S.C. 1681s-2 ( a ) This section of the Fair Credit Reporting Act ( FCRA ) requires that furnishers of information to credit reporting agencies must ensure the accuracy and integrity of the information they provide. The debt reported by NelNet XXXX does not meet these criteria and should be corrected or removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed disputes with Equifax on XXXX XXXX,2017. They sent me emails that confirmations XXXX and XXXX were ready for me to retrieve them on X/XX/2017 and X/XX/2017. However, every time I go to their website to retrieve the results I am not able to access them because their website has been down for weeks now. I 've even called them a few times about this and every time I call they say the some thing. They say they are doing maintenance on the website and it should be back up within 48 hours. They 've been telling me that now for weeks. As of this morning it is still down.
Product: Debt collection

According to XXXX XXXX XXXX XXXX. Transunion is supposed to ensure MAXIMUM POSSIBLE ACCURACY.This account violates these laws : 15 USC 16811, 15 USC 1681s2. 15 USC 168115, 15 USC 168leb. Delete ACCOUNT
Product: Credit reporting, credit repair services, or other personal consumer reports

am a victim of identity theft and am being harassed by collection agencies constantly calling me. The following information is what I have found on my credit report that is not mine! 

XXXX XXXX XXXX XXXX  XX/XX/2023. {$940.00}
Product: Credit card or prepaid card

Fraudulent purchase made under my account. Credit card company American Express still charges it to my account.
Product: Credit card

On XX/XX/XXXX, requested copies of credit card agreement contract for account opened XX/XX/XXXX and for account opened XX/XX/XXXX, per phone call to Bank of America customer service at XXXX and was told that the accounts were located and would be mailed in about 10 days. I talked to someone named XXXX. 
As of XX/XX/XXXX, no copies had arrived in the mail. 
On XX/XX/XXXX, a second request was phoned to the same customer service number. Customer service stated copies were sent out on XX/XX/XXXX. customer service stated that the copies would be resent. I talked to someone named XXXX XXXX. 
As of today, XX/XX/XXXX, I have not received any copies.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. EQUIFAX is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below :
Product: Student loan

I have been receiving bad information about a set of student loans that are being serviced at XXXX XXXX XXXX. Four years of payments that I have made to XXXX XXXX XXXX have been incorrectly applied. Therefore, the more that {$5000.00} in payments that I have made during this period have not gone towards my loans. This misappropriation of funds has brought down my credit score from the 800s to the low 600s. This problem with XXXX  XXXX XXXX has directly led to the drop in credit score and is preventing me from consolidating the loans with an private company. 

I obtained proof from XXXX XXXX XXXX that the money was received by XXXX  XXXX XXXX, in what was called a XXXX document. It has taken more than 2 months for the company to solve this problem and I call every week in to attempt to solve it, but am still unable to do that.
Product: Credit reporting or other personal consumer reports

Kikoff, Inc. 
Customer Support Team XXXX XXXX XXXX XXXX, NV XXXX Subject : Response to Your Review of My CFPB Complaint and Insufficient Validation Account Number : XXXX Dear Kikoff Customer Support, I am writing in response to your recent email addressing my CFPB complaint and the accompanying documents you provided regarding my account. Upon reviewing your response and documentation, it is clear that your validation and investigation remain inadequate and fail to meet the standards required under the Fair Credit Reporting Act ( FCRA ). 

Concerns Regarding Your Response and Documentation Failure to Provide Full Validation : The payment history document you provided does not include transactional records showing due dates, actual payment dates, or evidence that payments exceeded the 30-day delinquency threshold before being reported. 
Without such evidence, the late payments you reported remain unverifiable and inaccurate. 
Inadequate Notification Evidence : Your reliance on email notifications is insufficient. While you referenced reminders sent on XX/XX/year>, you have not provided proof that these emails were delivered, acknowledged, or received. 
XXXXXXXX XXXX  on email communication, without additional methods such as physical mail, raises questions about whether proper notice was given. 
Misleading Statements Regarding Historical Reporting : Your statement that historical activity remains with the bureaus and can not be removed is misleading. The FCRA mandates the removal or correction of inaccurate or unverifiable information, regardless of its historical status. 
Grace Period Application : While your email references a 30-day grace period, there is no documentation demonstrating how this period was consistently applied to the alleged late payments. This raises concerns about the accuracy of the reporting. 
Inadequate Investigation : Your investigation appears to have relied solely on internal records, without conducting a thorough or independent review as required under the FCRA. 
Exhibits Supporting My Case Please note that I have compiled all necessary exhibits and documentation to support my dispute. These include : Evidence of inadequate validation and lack of transactional proof. 
Records showing insufficient notification. 
References to FCRA provisions that require verifiable, accurate reporting and adequate reinvestigation. 
Final Notice Your failure to provide adequate validation and resolve the inaccuracies in my credit reporting constitutes a violation of federal law. As such, I will escalate this matter as necessary. Specifically : I will pursue arbitration as outlined in the Kikoff Credit Account Agreement. Federal Trade Commission ( FTC ) regarding these violations. 
Federal law supersedes company policy, and I am prepared to demonstrate these violations in any forum necessary. 

Thank you for your attention to this matter. All future correspondence should be directed to my address : Sincerely, XXXX XXXX
Product: Vehicle loan or lease

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have a loan with AMERICAN HONDA FINANCE. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. I tried contacting 3 Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the charge-off was posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. There was definitely an error on their part. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Credit card or prepaid card

While purchasing airline tickets on XXXX website on XX/XX/XXXX, I was given to opportunity to apply for an American Express Delta Gold card to receive {$300.00} in statement credit and XXXX SkyMiles if I charged {$2000.00} to the card in the first three months. I was approved for the card and charged my plane tickets at the time of purchase to the new card. I had enough charges within the first month to reach the {$2000.00} level. Please note that I never received any information that I would be declined the welcome bonus. 

After waiting for over three months, I contacted American Express on XX/XX/XXXX to check on the status of receiving the statement credit and SkyMiles. I was told the welcome bonus was denied. Additionally, I have contacted AMEX multiple times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) for an explanation and documentation on why I have been refused the welcome benefits. To date, this information has not been provided. The benefits should have been provided if I had been approved for the card and met the requirements. If not, this is false advertising and misleading information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter via certified usps mail to Transunion in XX/XX/2022 asking that they remove inquiries that I did not authorize and to do the same for account they are reporting. Transunion responded by saying that I am using a credit repair agency and they have NOT done anything on my report. I did NOT use a credit repair agency and I am insulted that they think that I'm not smart enough to write my own letter. I also called transunion they kept hanging the phone up on me. 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. I DID NOT GIVE ANYONE written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. I HAVE NOT COMMITTED A CRIME15 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. They are INACCURATE! My right has clearly been violated! 
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