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

In accordance with the Fair Credit Reporting Act These Accounts ; XXXX XXXX XXXXXXXX BANK XXXX XXXX XXXX credit limit XXXX XXXX XXXX XXXX credit limit XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX credit limit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 an account without my written instructions In addition, after reviewing my full credit report, all of the accounts listed above have wildly inconsistent " DATE OF LAST PAYMENT '', " DATE LAST REPORTED '' & " DATE LAST ACTIVE '' information.
Product: Credit reporting or other personal consumer reports

There is a account on my credit report from XXXX XXXX that I do not recognize your firm has violated the Consumer Credit Protection Act, the Fair Credit Reporting Act, and the Fair Debt Collection Practices Act. 
. Your firm knew or should have known that the actions taken against me and the information collected about me was inappropriate and damaging to me. 
Failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed. 
Communicated and are continuing to communicate incorrect and defamatory information to third parties including but not limited to : Experian, XXXX XXXX XXXX As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. I am also very upset at your firm 's intentional infliction of emotional distress and at the other diminishes of the quality of my life. 
I am now demanding the immediate and complete removal of this account from my credit reports Experian, XXXX XXXX XXXX ). 
As I am currently attempting to apply for credit, time is of the essence. Please understand that I am
Product: Debt collection

I have been a member at this gym for a number of years. Recently, due to the XXXX and a job that requires a great deal of travel, I have not had the ability to use my gym membership. I continued to allow myself to be billed for a number of months. A few months ago my credit card expired and the local gym manager ( I do n't have his name ) asked me if I would provide him a new XXXX. I said I would like to cancel and explained my situation to him. He said " ok '' and hung up. A XXXX later, a new gym manager called and asked me to provide a new credit card. I explained what the prior gym manager told me and he said that was not a valid cancelation and that I would need to go in to the location and physically cancel. This is not an option for me. I then contacted the gym ( local and national office ) and provided them a written cancelation, which was not honored. I finally was forced to take the step of putting a stop payment on the payment with my bank because despite my revoked authorization, they kept pulling money from my account illegally. Today I received XXXX calls from a rude debt collector. At this point I feel that XXXX XXXX is preying upon my family. They are trying to send me to collections for a service I canceled in writing. 

Furthermore, there was no extension of credit. This is an extremely deceptive and abusive practice.
Product: Bank account or service

This bank is terrible. They like to make bad judgements on their customers. They closed my account without my knowledge while checks were outstanding and did n't give me a chance to make it good.
Product: Credit card

I used BOA card for a no interest balance transfer. I set up the auto pay for a monthly amount. Before the last payment was submitted I shut off auto pay on XX/XX/XXXX. I paid the last payment to close the balance out and thought I was done. Today i fond a pending charge from them and call to dispute the charge.. They confirmed that i stopped the autopay on XX/XX/XXXX but couldn't do anything to stop taking the money they had no business taking. They stated it was stopped but there was another place on the web site that needed to be completed. I stated it wasn't there when I used the app to discontinued the autopay.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke to XXXX XXXX XXXX on multiple occasions and they said the 5 accounts that are showing XXXX balance and open have been settled and was promised to be removed and will be removed. They said the easiest way is to dispute and it should be removed with no problem being they are already at XXXX balance which means there is nothing owed and settled. I had a total of 11 accounts that reported at XXXX balance from XXXX XXXX XXXX XXXX removed all and TransUnion only removed 6 of the ones I disputed and left 5. I have disputed and requested for removal 5 times thru trans Union and they still will not remove. XXXX XXXX XXXX agreed and promised removal so I would like the remaining 5 XXXX XXXX XXXX accounts that is reporting at XXXX balance and open on TransUnion to be removed like promised. 

I also have another account with XXXX XXXX XXXX for {$76.00} that was paid in full on XX/XX/2019 that needs to be removed because it has been settled. I have called and also disputed thru TransUnion customer service and they are rude and no follow up or they say there is nothing I can help you with. Every time I dispute thru TransUnion it seems it takes multiple times and longer then it should for them to follow up with me and give status.. XXXX has been amazing and very efficient and quick on disputed and following up
Product: Credit reporting, credit repair services, or other personal consumer reports

I have auto-pay set up with XXXX for XXXX XXXX of each month. I made an extra payment in XXXX when I was alerted by XXXX of a credit decrease of XXXX points due to being over my credit limit. No alert or warning prior too. So, I called XXXX and made an extreme payment of {$100.00}. They didnt take out my auto-payment for XXXX on the XXXX of the month causing an over- credit limit of {$18.00} and my XXXX XXXX dropped XXXX points and so I made another extra payment of {$100.00} and my XXXX XXXX or dispute remains the same. Not fair! No alert again and they neglected to take out my auto pay affecting my XXXX XXXX. Its appearing that this is purposely being done. Help! Thank you!
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX XXXX, XXXX XXXX XXXX & XXXX XXXX XXXX
Product: Bank account or service

MY name is XXXX XXXX XXXX. I work for XXXX XXXX since XXXX. At the beginning of my employment, XXXX deposit my paycheck with the ADP Bank before my personal account was set up. After the personal account was established with the XXXX XXXX Bank, XXXX XXXX direct all the new deposit to the new account. ADP bank closed my account on XXXX without notification to XXXX or to me.the account remain in it over {$2500.00}. On XX/XX/XXXX, I received an old letter dated XX/XX/XXXX was forward to me through the post office from ADP bank saying the account is closed. I contact ADP bank more than XXXX times every time I call they ask me for the new address. I had to speak with XXXX supervisor for the same issue. they promise to send me a check, but never happened. they do not want to release my money. on XX/XX/XXXX the XXXX payroll personal ( XXXX ) called the ADP and I was on the XXXX line with them, XXXX ask them to send me a check with the remaining amount. the ADP promised to send me a check within 3-5 business day, but never happened. XXXX ( XXXX payroll personel ) Ph # is XXXX. 
My ADP Acc Debit # XXXX. ADP ph # XXXX. 
AM asking you in my behalf to speak with ADP to release my money. it is urgent. I need to pay my mortgage and other bills. thanks. if you have question please call me.
Product: Credit reporting or other personal consumer reports

Account XXXX XXXX in XX/XX/XXXX after paying off balance with XXXX I drew funds. I made payments and received receipts of payments but missed a couple that I thought were paid as I received emails stating they were paid. Upon learning of the missed payments I entered a payment arrangement and have been making those payments. Account was reporting fine. We bought a house and closed XXXX XXXX. Our credit was run that day and no delinquencies reported. XXXX days later I got notice my score dropped XXXX points. I immediately contacted XXXX who reported a XXXX  day late in XX/XX/XXXX. I disputed with the bureau and it was returned as accurate though XXXX updated it and changed the delinquency from XXXX  days in XXXX to XXXX  days in XXXX and XXXX  days in XXXX resulting in a second XXXX point drop to my score dropping it to XXXX. I again reached out to XXXX asking them to correct this due to the miscommunications on their part and my belief that the account was in good standing. Both times I received canned responses saying the credit bureaus determine what to list and report. Today ( XX/XX/XXXX ), when I discovered the second XXXX pt drop I did some research and learned that XXXX is not legally permitted to issue loans or lines of credit in the State of Nevada. They were aware I was a resident of Nevada. I have lived here almost XXXX  years. My bank account the drafted from is from Nevada, I work for the Nevada government and provided them paystubs showing this as well as a copy of my state issued Nevada identification.
Product: Credit reporting or other personal consumer reports

When I received an updated copy of my credit report, I noticed a few unauthorized inquiries. Equifax mortgage service on XX/XX/XXXX and XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report recently and noticed Capital one auto finance has reported a " Charge Off '' on the auto loan to 3 credit bureaus. In XX/XX/2019 I sent full payment to Capital one auto finance via certified mail. The amount owed was {$11000.00}. I gave Capital one auto finance multiple chance to respond but they never did and now they have reported a " Charge off '' to all 3 credit bureaus which is affecting me tremendously as I am in the process of buying my first home. I have contacted all 3 bureaus to do a proper investigation into this matter and they recently sent back a letter stating they all did a proper investigation but none of them sent me the supporting docs to prove they are reporting the correct information.
Product: Credit card

On XX/XX/XXXX, airbnb issued a refund of {$610.00} to my purged Chase sapphire card ending in XXXX. I have spoken to XXXX representatives at Chase, and no one can tell me how to obtain the refund. I have been referred to the escalation dept XXXX  times, the dispute dept, and the purged credit card dept. I can not get anyone to help/understand, despite my having the complete credit card number, and the XXXX number ( XXXX  # XXXX ) from XXXX.
Product: Debt collection

I never signed a contract or agreement with the Immediate Credit Recovery XXXX XXXX. Immediate Credit Recovery XXXX XXXX can not collect any amount of money that is not permitted by law or by agreement. 
" The Fair Debt Collection Practices Act states that the debt collector can not collect any amount of money that is not authorized by the agreement creating the debt or permitted by law. Because there is no agreement between the collector and the alleged debtor, no collection can be sustained. 
Whereas no relationship exists between Immediate Credit Recovery XXXX XXXX and me, and whereas I never signed a contract or agreement with Immediate Credit Recovery XXXX XXXX, I cite Lack of Privity. 
Just because an assignment clause exists in a credit agreement does not mean that it is sufficient to create a new obligation with the Immediate Credit Recovery XXXX XXXX. The assignment clause merely takes away the rights of XXXX XXXX College to collect if they decide to assign it to another company, in this case Immediate Credit Recovery XXXX XXXX. Immediate Credit Recovery XXXX XXXX would then have to offer me a new contract, I would have to agree to its terms, and I would finally have to sign this new contract. If I have not signed a contract with Immediate Credit Recovery XXXX XXXX, I owe them nothing. 
I know my rights, and I am fully prepared to exercise them. You have already admitted in writing that you do not have a contract with me. Therefore, you have no proof that you have ever provided any services to me. There was no meeting of the minds, a necessary element of a valid contract, no contract exists. Since there was no meeting of the minds between me and Immediate Credit Recovery XXXX XXXX, which is a necessary element required to create a legal and binding contract between the two of us, your claim is repudiated. 
So once again, I request the following : 1. Agreement with your client that grants you the authority to collect on this alleged debt.
2. Agreement that bears my signature of the alleged debtor wherein he/she agreed to pay the creditor. 
3. Any insurance claims that have been made by any creditor regarding this account. 
4. Verification that this debt was assigned or sold to collector.
5. Commissions for debt collector of collection efforts that is successful. 
6. Proof that Immediate Credit Recovery Incorporated is bonded/licensed to collect in Texas. 

Immediate Credit Recovery INC continues to ignore my requests for information. I am making careful note of our communications. Please provide the requested information. If you can not provide the requested information and you follow suit with bothering my credit report. I will file suit against your company!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, Account # 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 written instructions.
Product: Debt collection

PORTFOLIO RECOVERY ASS PORTFOLIO RECOVERY A XXXX XXXX XXXX XXXX XXXXThis is a duplicate of the XXXX/XXXX debt and has been reported to all bureaus, but the statute of limitations has run ( 6 years in XXXX where the debt began ). This needs to be removed. The original date of debt is incorrect-should be 2008.
Product: Credit card or prepaid card

Bank of America and XXXX refused to honor the total rewards for {$7100.00} ( {$7000.00} + {$100.00} initial payment ) payment ( s ) on XX/XX/2021 to my Bank of America XXXX XXXX XXXX. Case # : XXXX. XXXX, paying for, and installing solar panels is clearly XXXX XXXX and XXXX merchant category code ( XXXX ). Bank of America XXXX is that merchant did not provide the correct XXXX. XXXX excuse is that they can not change the code. As consumer, I believe the two companies are clearly engaged in fraud.
Product: Credit reporting or other personal consumer reports

ON XX/XX/2024 I DEMANDED THAT EXPERIAN PROVIDE ME WITH THE DOCUMENTS AND DETAILS OF THE REASONABLE REINVESTIGATION OF THE METHOD OF VERIFICATION ACCORDING TO THE LAW UNDER SECTION 611 OF THE FAIR CREDIT REPORTING ACT ( FCRA ) USED TO INVESTIGATE, THE PROCEDURE USED WHAT ACTUAL HUMAN TO HUMAN INTERACTION TOOK PLACE, WHAT EMPLOYEE AT EXPERIAN ACTUAL CALLED ON THE TELEPHONE THE DATA FURNISHER TO ACTUALLY VERIFY THE VEROCITY OF THE ACCOUNTS THAT ARE BEING DISPUTED FROM MY CONSUMER REPORT? HOW WAS THE FAIR CREDIT BILLING ACT ( FCBA ) WAS INVESTIGATED? AN ELECTRONIC AUTOMATED EOSCAR SYSTEM IS UNACCEPTABLE BECAUSE IT CONTAINS THE SAME ERRORS THAT THE ELECTRONIC SYSTEM CAN NOT INVESTIGATE. CFPB PLEASE HELP ME RESOLVE THIS ISSUE, THIS NONSENSE FROM EXPERIAN AS IT CONTINUES TO HARM MY LIFE BY EXPERIAN REPORTING FALSE INFORMATION ON MY CONSUMER REPORT..
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no idea what it is and why its on my report. I want proof of who they are not some random bill that can be from anywhere due to fraud. I never received anything from the company or who they are.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft since XXXX  I have proof that my identity have been compromised it not fair to me that I got to suffer from someone else wrong choices I have no knowledge of the accounts that's reporting to my credit report they have been open with my information fraudulently the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have sent supporting documents stating that my identity where compromised and the accounts we open without my consent or knowledge using my information Under federal law 15.USC 1681A SECTION 2B STATES THAT I HAVE THE RIGHT TO DELETE ANYTHING OFF MY CUSUMER REPORT THAT HAVE BEEN OPEN USING MY INFORMATION WITHOUT MY CONSENT.
Product: Checking or savings account

I requested a blank check to give to my landlord. Before the check can be issued the Bank/Wisely requires an authorization code, the amount, who it is being written to and this was done on XX/XX/2023. My XXXX XXXX attempted to cash the {$1000.00} check at XXXX XXXX XXXXXXXX and this was denied. They reached out to me and I requested they try again. Again, this was denied. XXXX XXXX, again, asked me to check with my bank and that now I have a {$120.00} late fee along with an {$40.00} XXXX  fee. I called Wisely XX/XX/XXXX and was directed to a supervisor named XXXX, XXXX advised this was their fault due to the representative when giving the authorization code, failed to enter the last two digits of the check number and is the reason for XXXX XXXX XXXXXXXX denying the check. He stated I would be reimbursed for the fees and my original {$1000.00}, for a total of {$1100.00}. I followed up XX/XX/XXXX and was transferred to a supervisor by the name of XXXX. XXXX advised the checks are for personal use and can ONLY be cashed by the person who owns the account. She also advised the {$160.00} is not their fault. I asked for her Manager, an email address, her last name or a phone number. She would not grant any of the requests and she was the last person I could speak with. I explained to her that I have written multiple checks to my landlord and there was never an issue as well as defeats the purpose of a check. I have included an XXXX statement that shows a check cleared to my landlord XX/XX/XXXX rent check of {$1000.00}. As well as XXXX XXXX of {$1000.00}, and XX/XX/XXXX of {$900.00}. This proves the checks issued are not for the owner, these work as normal checks should. Additionally, attached is the stub from my check that was issued and denied by XXXX XXXX XXXXXXXX.
Product: Credit card or prepaid card

My FICO 8 TU score went UP 2 pts to XXXX this month. Discover is saying they reviewed my account and need to reduce my credit limit from {$1600.00} to {$700.00}. I called in. They ASSURED me it was just a computer glitch. Then, mothers day dinner DECLINED. I called again. Yeah we are reducing your credit line. My account has steadily gone from a {$300.00} card to {$1600.00}. My credit is better than at any time so far. This is blatant credit discrimination. I am an XXXX  veteran, a protected class for discrimination lawsuits. I asked about COVID19 and why they are HURTING AMERICANS. I then told them I needed my credit line back so my kids dont go hungry tonight. While saying they dont want anyone to go hungry, they refused to undo their discrimination. I have never missed a payment. I have improved my credit. This is blatant risk exposure reduction at the expense of consumers. They are all doing this. HELP, CFPB!! HELP
Product: Vehicle loan or lease

I brought my car from XXXX XXXX XXXX in XXXX Ga XXXX - XXXX My car was stolen XXXX because I had XXXX XXXX XXXX the car was not covered under my insurance and gap would not pay because the insurance would not pay the carto date has not been recovered fast forward 2 years later AVID Acceptance knowing the car was stolen is still reporting late payments on my credit report on a closed account severally damaging my credit making this horrible situation, I was in worst every time I look at my credit I'm forced to relive that horrible day I could have been killed.
Product: Debt collection

I applied for a mortgage in XX/XX/XXXX and this company started reporting a {$330.00} debt on all XXXX of my credit bureau reports. I then called them and asked for verification that the debt was indeed mine and proof that I owed the debt. Their response was that they had sent me a letter but I had never heard of them or received anything from them prior to my calling. I explained this to them and they told me I had to file a police report (? ) to get this removed from my report, as if my identity had been stolen. They refuse to verify the debt and send me proof that it is mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a request to Experian to check and make sure everything was accurate according to 15 USC 1681i ( 5 ) In XX/XX/2021 I asked Experian to investigate account XXXX XXXX XXXX XXXX XXXX they did not correct any information on this account. per their investigation Experian noted ; " This item remained unchanged from our processing of your dispute in XX/XX/2021 '' Experian is the only credit bureau that is reporting this account on my credit, which concerns me because I have asked them to correct this and investigate. Experian isn't concern with reporting the correct information even after I asked for them to please correct this issue.This is a violation. This is impacting me from moving forward to buy a car for my growing family. 

I attached updated report which shows XXXX only being reported with Experian.
Product: Money transfer, virtual currency, or money service

I made a purchase with XXXX they sent my order to he wrong state and person And have been asking Pay pal to have me return the item back to XXXX from the wrong address 1,300 miles from my house. pay pals staff have been insulting degrading refused to honor their pledge to pay a refund and go after the vendor if the vendor/seller refuses to pay a refund after returning an Item. I did receive an item from California I returned it to that sleers store in XXXX XXXX. where it came from Pay pal has discussed the other person who received my orders refund with me more than twice now.