23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I spoke with Kohls/Capital One about my charged off credit card. I came to an agreement with them of 60 % of my full balance which came out to {$350.00}. I asked them if they can provide me something in writing prior to me making the payment. They said " we do n't provide that because people would sometimes get it, then never pay ''. I then asked if they can just fax or email me something stating that they agree to settle the balance for 60 % and report it to the XXXX credit reporting agencies as paid in full for less than full balance. They said they will report it as a XXXX balance to the XXXX credit bureaus and it will be paid in full for less than full balance, but they can not put that in writing until after the payment is received. I then said ok and made the payment. I then asked for it and he said that i needed to wait a couple of days until the funds cleared. I said ok and called back 2 days later. They confirmed receipt of the funds but said the only way i was able to see a XXXX balance was to login to my online account and print the transaction history. I tried that and it said that my account is closed and can not access the transaction and payment history. I called Kohls/Capital One back and they said that I still had a {$230.00} and some change balance!!! I am very upset because they said that I would be able to get the balance paid in full for less than full balance. I spoke to another friend and they are going through the same thing with them. 
I decided to call a lifelong friends son that works in the XXXX and signed a power of attorney with him. He called and let them know what they are doing is against the law. He also ordered them to pull up the tape of the customer service representative and have a manager listen to it. He also requested his conversation with them to be recorded and asked them to have that recording ready for the Consumer Financial Protection Bureau. He then asked me if I was comfortable with coming on here to this site and fling this complaint. I do n't know why these people take advantage of me but this is absolutely hurtful because all i am trying to do is purchase a home and this is what i need to do. Next step is to hire my attorney to take them to court for loss of my earnest funds on my home and for damages. I will be calling them again Monday and if this has not come to a resolution by then I will have no other choice in doing so. 

Thank you for listening
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX have violated my rights. 

15 U.S.C 1681 section 602 A, states I have the right to privacy.

15 U.S.C 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Checking or savings account

I am writing to inform you that I have not received my paycheck, which is typically deposited into my Capital One account on Wednesdays. As banks are nearing closing hours, I am deeply concerned because Capital One has not provided any timeline or clarity on when I can expect the deposit to be processed. 

Like many other Americans, I live paycheck to paycheck, and this delay is causing significant financial strain. I am unsure of what steps to take at this point, and I am seeking guidance on what can be done to resolve this situation as quickly as possible. 

Your assistance and any advice on how to proceed would be greatly appreciated.
Product: Money transfer, virtual currency, or money service

I am filing a complaint to cash app ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically cash app failed to take timely and effective measures to prevent the 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: Bank account or service

I opened a Savings account with PNC BANK. To start, they had a {$100.00} monetary gift I was not aware of. This was oppenned in XX/XX/XXXX. Then in XXXX XXXXI spoke with XXXX XXXX about their brokerage account and had $ XXXXXXXXwired to the from XXXX . I Opened an account to have a debit card I can use. AfterFUNDS were wired by XXXX, he asked some me to open a checking account with them. 
I told him I do n't need to because I have XXXX checking accounts with my other XXXX. Then I told him that they never gave me {$100.00} for opening a savings account with XXXX back in XXXX. I asked XXXX XXXX about their new promo of {$200.00} to opena checking account and he said I 'm not eligible for it. I declined to receive a checkingaccount. He forced me to open XXXX because it 's no harm to get XXXX. I okay to get theChecking account but did not give me promo offer. XXXX month later, I was transferring fundsfrom XXXX and PNC BANK, my account got over drawn by XXXX. Nobody at the bankInformed me about It even though mostly everyone there knows me. Then a collection letterWas received for {$500.00} and some change. I went to PNC BANK to speak to XXXX, branch manager of XXXX XXXX XXXX and told me that XXXX was moved to a different branch. I asked her about the delinquency and how {$30.00} became {$500.00}, andshe gave me a customer service line that is a robot call and I get disconnected everytimeI call the number. And why was I not offered over draft protection for the Checking accountthey insist I have, she told me she would look in to it And never heard from her again even after leaving numerous messages for her. I called main phone number for PNC BANK andI was transferred to the escalation department, and I found out that I have XXXX checking accounts but no protection from over drafts. I bank with XXXX and XXXX so I never had this problem before. She handled FTC CASES, and did n't help me out. She dunned me for the entire balance. Now my credit is jeopardized due to neglect and poor quality of service. 
I want them to fix this problem and I hope you can help me. 
Thank you, XXXX XXXX XXXX
Product: Debt collection

This is not my account. This account is not my responsibility. I never agreed to anything with this account. This is a fake! This account did not even provide any documentation to prove that it is mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, experian and XXXX will not allow me to dispute error on credit file and will not correct error on file. this is an acct that was paid in full on XX/XX/XXXX for car that was paid in full that i have pay off letter and title for car. also i have a complaint file number XXXX in which XXXX  XXXX XXXX states that correction will be made. i sent all info attached to credit reporting agencies and they still refuse to correct this error. the XXXX  XXXX XXXX acct number is Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Auto Loan Balance Loan Amount {$430.00} plus they continue to drop my credit score with no change on my credit report in retaliation to my dispute of this matter.
Product: Debt collection

Jefferson Capital has been trying to collect a debt that is not mine I do not know this debt they have been doing this for 25 years it was through XXXX telephone company I do not recognize the address the way they spelled my name was wrong and they had the wrong phone number I do not recognize the phone number that was dealt with this account or the name the way they spell my name is totally wrong they have the wrong last name misspelled every time I dispute this they put it back on my credit report if this has kept me from getting the home for the last 5 years
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Minnesota You are in direct violation of the fair credit reporting act ( UAC/Carhop ) Has violated several of my rights.

15 u.s.c 1681 section 602 A. Clearly states that I have rights to my privacy.

15 u.s.c 1681 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 u.s.c 1666b : A creditor may not treat payment on a credit card account under a open-end consumer credit plan as late for any purpose.

Remove the late payments and update this account immediately as you are in direct violation of several laws under the fair credit reporting act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
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
Product: Debt collection

I am filing a complaint against LVNV Funding LLC on XX/XX/XXXX for falsely reporting collection accounts on my credit report as " opened. '' I have never entered into any agreement with these debt collectors, nor have they provided proper validation of the debt as required by law. 

I previously disputed these accounts with the credit bureaus under my rights provided by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, but the accounts were not removed. The collection agencies have failed to provide sufficient documentation to substantiate their claims. Reporting unverifiable or inaccurate information violates the FCRA, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ). 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I requested validation of the alleged debt, but the collectors have failed to provide the required documentation proving that I owe the debt or that they have the legal authority to collect it. Any attempt to collect or report a debt without proper validation is a violation of my rights under the FDCPA.
Product: Student loan

During the pandemic, I paid about XXXX on my student loan. The whole time, my next payment due was XX/XX/2024 and the payment amount was XXXX because I am low income. Now that we are in repayment, I applied and was approved for the SAVE payment plan authorized through the federal website, www.studentaid.gov. 

Nelnet, my servicer, changed me out of the income driven repayment ( IDR ) program into a regular student loan program and wrote that I need to pay XXXX before approving the SAVE program. 

Now., I can't talk to Nelnet because the line is always busy. Please advise
Product: Credit card or prepaid card

American Express process my payment automatically every month 2 days before the due date and this month there wasnt enough money in the checking account so I contacted them the next day if they could make a manual payment before the due date to avoid late fees they refused and said it is impossible. I need to wait three days for that automatic payment to come back, at which point it will be after the due date and then they will process it again and I will be charged late fees. 

This is an unfair practice that I have not experienced at any bank to not allow a manual payment at any time, essentially refusing to take my money and forcing me to pay fees. This should be illegal and I assume many consumers of American Express have been hit with fees due to this practice and it should be thoroughly investigated. 

See attached my conversation with the American Express agent.
Product: Checking or savings account

I used my XXXX debit card to purchase from the merchant, XXXX XXXX for {$150.00}. 
After a few days, I returned the merchandise to the merchant via XXXX or XXXX XXXX. The merchandise was received and credited to the original form of purchase, the XXXX debit card ; however, the card was closed due to what I perceived as fraud from another merchant. 

I have been issued a new card from XXXX that connects to my original checking account with Regions Bank. After multiple attempts, Regions has refused to transfer the credited funds to my existing account.
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by your company. I assert that your company is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX. I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you XXXX opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the XXXX XXXX XXXX XXXX XXXX and financial hardship that your actions have caused me. Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the XXXXXXXX website, you will be responsible for covering these costs, which could amount to tens of thousands of dollars. Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request. I expect a prompt response within XXXX DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice. Please send all correspondence related to this matter to the address listed above.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX Account XXXX XXXX XXXX ( Doesnt have an account number showing ) 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 an account without my written instructions.
Product: Debt collection

On XX/XX/2016 I opened a student loan with SOLOMON & SOLOMON PC to attend XXXX XXXX XXXX College. Due to XXXX XXXX and family issues I could not complete my education and needed to drop out. It was in XX/XX/2016 that I moved and the debt collectors did not sent notification to the new address.
Product: Credit card or prepaid card

I feel that Discover has failed to increase my credit line because of my national origin and I feel discriminated as XXXX American hard working tax payer. 

Enough of the abuse by these stupid companies. 

I make more than enough money over XXXX XXXX per year and still never an increase. 
I just need the available credit in case of an emergency.
Product: Consumer Loan

They contacted my mother house on XXXX/XXXX/2015 around XXXX. My mother picked up the phone and has a similar name as me. She disclosed all my info and told her how muched I owed. My mother is from a different XXXX and did not understand what the female was saying. At that time she handed me the phone and I asked her what she said then she asked how would I like to pay it. To my understanding with the FDCPA XXXX of the steps is to verify identity like my birthday or my last XXXX digits of my social. If that was done at the beginning of the call my debt would not been disclosed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am writing to file a dispute regarding the inaccurate information being reported on my credit report by XXXX XXXX, account number XXXX. 

The Fair Credit Reporting Act ( FCRA ), specifically Sections 607, 609, 611, 623, and 628, requires furnishers of information to consumer reporting agencies to provide accurate and complete information. However, XXXX XXXX has violated these provisions by inaccurately reporting my monthly payment balances to XXXX and Experian, while XXXX reports a different balance. Furthermore, Experian reports that the account terms are revolving, while XXXX reports that the payment is due monthly. XXXX, on the other hand, did not report the account at all. 

I was shocked to discover that all three credit bureaus reported that I was 30 days late on XX/XX/XXXX and XX/XX/XXXX, when in fact, I made all payments on time. This erroneous reporting has had a significant impact on my credit score and has made it difficult for me to obtain credit and loans. 

XXXX XXXX with account number XXXX. The information being reported is not only false but is also having a detrimental impact on my life. 

According to XXXX and Experian, my payment status on this account is charge off, yet I have never received any notification from XXXX XXXX regarding this charge off account, nor have they provided me with any paperwork related to it. This violation of Section 609 of the Fair Credit Reporting Act ( FCRA ) has caused significant distress and XXXX, as it has left me in the dark about the state of my finances and the potential consequences of this charge off status. 

Furthermore, XXXX is reporting a high credit balance of {$1500.00}, whereas Experian did not report this information at all. In addition, XXXX is reporting the Date Last Active as XX/XX/XXXX, whereas Experian is reporting it as XX/XX/XXXX. These inconsistencies violate Section 607 and Section 623 of the FCRA, respectively. 

This false and incomplete information is having a negative impact on my credit score, making it difficult for me to access credit and causing me undue stress and hardship. It is affecting my ability to secure a loan for a much-needed home renovation project, which is crucial for my family 's safety and well-being. 

I urge you to enforce the legal protections provided by the FCRA and ensure that XXXX XXXX provides accurate and complete information to all three credit reporting agencies. Additionally, I request that these unverified accounts be removed from my credit report. 

Thank you for your prompt attention to this matter. 

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

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EXPERIAN, XXXX, AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file 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 Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$4100.00} ; XXXX XXXX XXXX Balance : {$830.00} ; XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX Balance : {$0.00} ; 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
Product: Debt collection

XXXX XXXX XXXX was owned by rental company that has since sold the property! i was never notified that i owed them any money etc. The previous owners and i went to court and agreed that if i vacated the property by a certain date and returned keys in which i did and i would owe nothing and nothing would be reported to my credit etc. recently i applied for an apartment and was told genesis credit management was sayin owed {$3100.00}. i called genesis and was told it was XXXX XXXX who the debt was initially owed to. they asked me to pay money and they would dispute it on my behalf i paid the first sum but couldn't afford the next and instead of waiting for me to obtain the funds they also added the reminder on my credit as if i applied for a subscription service or they provided some kind of service that actually removed these items from my credit! i settled everything with XXXX in court and hadn't hear anything from the day i turned the keys in.
Product: Debt collection

See attachments! 
It is illegal to report transaction history, it is illegal to use unfair me to collect any debt!

Violation of privacy of 1974 violation of 31 USC 5103
Product: Credit card

had a credit card with XXXX XXXX which was compromised XX/XX/year> Was informed new card would be issued, never received, in addition never providing XXXX any additional additional information and or charges despite many many written and telephone requests Only get dunning calls and higher charges
Product: Money transfer, virtual currency, or money service

Money taking from all my accounts and some of them I didn't even make so I don't no we're to start
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent out a letter to XXXX, XXXX, and Transunion concerning my credit report. Due to suspicious activity on my credit report. I simply asked XXXX, XXXX, and Transunion to validate and verify the information that they have on file concerning collections accounts and Hard inquires that they are reporting on my credit report. They have failed to send me anything that validates or verifies what they are reporting. With failure to do so, this matter doesn't just effect me, it effects my family. I am unable to apply and get approved for a home, a vehicle for transportation, and getting a good job. I would like to be rectified of this matter immediately. I have been trying to get this matter under controlled but got no where after 30 days waiting on a response.
Product: Debt collection

I asked the credit bureaus to do a verification of everything on my credit report and they did and also stated that everything was accurate. I did a research myself and found inaccuracies on my credit report even after they said they did a full research. In Accordance with XXXX, with account number XXXX, all have violated my rights. 15 U.S.C 1681 section 602 A states I have the right to privacy. 15 U.S.C 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

A purchase was made on the card, and the item was returned. Barclays did not process the credit to the account, then charged me multiple late fees. When we called them to correct the issue, they issued a credit for the item, but kept the late fees on the account, then proceeded to add additional late fees when a payment was not made. There was no additional balance on the credit card, so no payment was due.