23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Request for Documentation and Compliance with the Fair Credit Reporting Act Dear XXXX XXXX XXXX I am writing to express my concern over the continued reporting of a charge-off account on my credit report, which I believe to be inaccurately reported. In light of this, I am formally requesting documentation to verify the accuracy of this reporting, as is my right under the Fair Credit Reporting Act ( FCRA ). 

Account Details : XXXX XXXX XXXX  Account Number : XXXX Reason : Please Explain your method of validation on how you're reporting this account with a balance and a charge-off when this account was bought by a 3rd party debt buyer. 
Instruction : This is a violation of my consumer rights, please delete immediately It is imperative that I receive concrete evidence showing that your reporting of this charge-off is entirely accurate. My objective is to ensure that my rights under the FCRA are not being infringed upon, especially regarding accurate and fair credit reporting practices. 

Given the serious implications of inaccurately reported credit information on my financial health, I urge your company to review this matter promptly. If the reporting of this account can not be verified as accurate, I request its immediate deletion from my credit report to comply with the FCRA 's requirements. 

I appreciate your immediate attention to this request and expect a timely response to this matter. Ensuring the accuracy of credit reporting is not only a legal obligation but a matter of financial integrity and consumer trust. 

Sincerely, XXXX XXXX
Product: Debt collection

I got an engagement ring on Kay Jewelers on XX/XX/XXXX, got a $ XXXX {$700.00} credit with them and I paid up {$700.00} up front to take out the engagement ring that I wanted. I stopped paying for it & on XX/XX/XXXX they called me supposedly that I got served and that I had to pay almost {$900.00} for it not to escalate for it to go to court. He was pretty insisting on the payment and I told him that I would preferably do it later because I wasn't sure it was legit. He had my SS # and a bit of information on the debt. I want to know if I'm actually being served before I try to pay to a scam.
Product: Credit card or prepaid card

My XXXX sends out government benefits via netspend cards. I rec 'd a netspend card, and the XXXX has loaded funds on it on behalf of my daughter. I want to transfer those funds from the card to a regular bank savings account for my daughter. 

On XX/XX/XXXX from within the account, I asked for ''the routing and acct number for netspend debit card '' so that I can ''transfer the funds into my bank acct. '' I asked them ''What is the proper routing number, and would the account number be the 16 digit number on my card? '' On XX/XX/XXXX XXXX rec 'd the following from the CSA via private message to account inbox : Re : routing and account number for netspend so I can transfer money out " I understand that you need your account and routing number. Unfortunately, at this time, we do not have this feature on our card. If we do add this feature in our card in the future, we will communicate it through marketing materials .... XXXX Customer service agent '' The agent listed company info : mynetspend.com and XXXX
Product: Checking or savings account

I am filling a complaint with the CFPB regarding Capital One 's failure to the deposit my direct deposit from my employer. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Debt collection

On XXXX XXXX, 2017 Nationwide Recovery Services placed an account for the amount of {$66.00} on my credit report in violation of the Fair Credit Reporting Act. Nationwide Recovery Services failed to notify me and provide adequate documantation to validate the debt is mine prior to placing it on my credit report. I have no knowledge of the account Nationwide Recovery Services is attempting to collect on. Furthermore, this dept appears to be of a medical nature. If this debt has derived from my medical history, it is in violation of HIPAA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reported into collections which is negatively affecting my score. I had a payment plan agreement and have missed none of the payments. I also was out of work due to covid. It is unfair and I want that taken off my record
Product: Credit reporting or other personal consumer reports

Regarding account : American First Finance : XXXX This company have received my documents for the identity theft that was used to obtain this account. The company has investigated and have determined that this account is in fact associated with identity theft. 

This company has agreed to remove all account information from my credit files, including inquiries, reporting information, addresses, personal information, and payment history from my files within 30 days.
Product: Credit reporting or other personal consumer reports

My information is being sold on the dark web so I have to lock/freeze all my credit reports and pay more money and continuously monitor fraudulent alerts while trying to maintain a household and take care of my family! Please remove these accounts! 

Upon further review these hard inquiries are once again illegal. Its the same reason why I've been disputing these ( XXXX ) accounts within the last XXXX days which I have no reason why they still have not been removed off ( XXXX, equifax, XXXX ) So now I have no choice but to keep all credit bureaus locked as will be attached in screenshot. 

XXXX XXXX Balance {$150.00} Acct Number -- - Date opened XXXX XXXX XXXX XXXX XXXX XXXX Balance {$57.00} Acct Number XXXX Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX Balance {$13.00} Acct Number XXXX Date opened XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEquifax InquiriesXXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Debt collection

Earlier today, I filed a complaint about Portfolio Recovery Associates. The same day they received my complaint, they retaliated by putting XXXX more collections on my XXXX credit report. The accounts in question had already long since aged off all my credit reports ; Portfolio is fabricating dates of delinquency to put these accounts back on my credit report. They have listed the accounts as " closed '' but claim recent payment activity to fraudulently list the accounts. They are selecting XXXX specifically due to XXXX 's long lead time for disputes. Their actions have resulted in an almost XXXX point drop in my credit score on XXXX ( which gets data from XXXX ) and more than XXXX points on XXXX itself. Portfolio 's actions are a clear violation of my rights under the FCRA. They once again fabricated dates and will use stall tactics to harass and inconvenience me.
Product: Checking or savings account

On XX/XX/year>, I contacted Navy Federal Credit Union to report unusual activity on my account and requested the cancellation of my debit card, along with the issuance of a new one. I also informed the representative that I would be temporarily relocating to XXXX. Unfortunately, the agent handling my case appeared to be dismissive and questioned my requests, creating a sense of frustration. Additionally, I inquired if it would be possible to keep my savings and credit card accounts active while temporarily deactivating my checking account, as I had lost my wallet several weeks prior. Now all of my Navy Federal accounts are locked and XXXX cant access my money or pay my credit card bill. Ive been trying to verify my identity with them for the past XXXX weeks but they arent helping me out.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experianclaim they couldn't find my information about any debt I suppose to owed.I couldn't understand why not.Same account number But different collection agency with Different amount
Product: Credit reporting, credit repair services, or other personal consumer reports

COMENITY BANK IN PARTNERSHIP WITH XXXX HAS VIOLATED MY RIGHTS WITH NO VALIDATING THIS ACCOUNT ON MY CREDIT REPORT. I HAVE ASKED THIS TO BE DISPUTED AND INVESTIGATED. I ONLY GOT A LETTER FROM THE COMPANY THAT THIS ACCOUNT WAS NO LONGER WITH COMENITY BANK AND FURNISHED WITH ANOTHER COMPANY. THIS SHOULD BE REMOVED IMMEDIATELY. IT HAS CAUSED DAMAGE TO MY CREDIT REPORT AND IS IN VIOLATION OF THE FAIR CREDIT REPORTING ACT.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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  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 602 A. Also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end 153 consumer credit plan as late for and purpose
Product: Money transfer, virtual currency, or money service

Hi! My PayPal account was permanently limited on the XXXX of XXXX. I think there could be some mistake, because I did not break any rules. I am a XXXX XXXX  and simply received payments from my customers. The email I received from PayPal saying that they found some potential risk associated with my account. I understand that PayPal reviews accounts to prevent fraud and keep a safe environment for both buyers and sellers. But since I started using PayPal I have not receive a single dispute from my customers, so I'm pretty sure there is some mistake. Please help me to get my account back. If you need any info about my business, I would be glad to provide everything that is required. 
My PayPal email is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the debt company of this unknown charge and they removed off of XXXX only and not the other bureaus. I have no idea what this charge is for or who this company XXXX XXXX is. I do not owe this really high debt. They sent an invoice with zero explanation what this is and what it is for. I've had no business dealings with this company. This has caused me to be denied and causing me financial hardship. If this does not get removed asap I will have to seek legal action for all those involved. 

ACCOUNT : XXXX NAME : XXXX XXXX XXXX : {$4800.00}
Product: Credit card or prepaid card

My payment was due XX/XX/2019. I paid on XX/XX/2019 well before midnight EST. And I was charged {$38.00}
Product: Debt collection

On Friday, XX/XX/XXXX, I contacted Midland Credit Management via telephone, to question them about my debt account they purchased from XXXX XXXX Credit Card Division. I informed them, that said debt had no activity since XX/XX/XXXX, and asked why do they continue to contact me. I was informed that the last payment to XXXX was XX/XX/XXXX. I informed Midland, I have not paid anything on this account since XX/XX/XXXX, and that someone, including them, may of claimed I paid on XXXX XXXX. I then requested a 'Debt Verification Letter ' from Midland , and was informed, Midland sent out a letter in XX/XX/XXXX. I told the Midland Agent, I never received a letter, but, was told they will not send out another letter, due to, it was already generated in XX/XX/XXXX. Again, I requested the letter, and was told, " No. '' Additionally, since I have not paid on this credit card bill since XX/XX/XXXX, I am requesting Midland cease reporting this to Consumer Credit Agencies. 

XXXX XXXX XXXX card number : XXXX Midland account number is same as XXXX, but, they also have another number, too : XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : 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 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: Checking or savings account

On or about XX/XX/2021, I opened a checking account at M & T Bank located bat XXXX XXXX XXXX XXXX, New Jersey XXXX. I have not received a banking statement documenting my deposit/transaction and I voice my displeasure. I would like to receive monthly statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the XXXX major credit bureaus, Transunion, XXXX, and XXXX, I have disputed several inaccuracies, I have not received any answers to my disputes. I have sent dispute letters in the month of XXXX and XXXX. it has been over 60 days and I have received no respone.
Product: Money transfer, virtual currency, or money service

Hello - I recently new to chime, now my account is closed because of the incident. I had a man in my home doing tiles on my ceiling. I entered his contact name into my phone to pay his through chimes transfer service. When he didn't receive the money within ten minutes i called chime. Chime stated a user name was associated with my contracters phone number and the money went to him. They stated to contact them to request the refund. While the worker was still in my home and i was on the phone with chime. I entered his number for a second time and requested the money back. He received that text but he had never received the money. Chime notified me that the money had went to another user of chime. The contractor opened up a chime under his phone number and opened his checking account the money wasn't there. Chime stated some other member named XXXX had my contractors number on file then they claimed this " XXXX '' had no number on file and refused to cancel the tranasaction saying there was no error. I still had to pay the contractor so I used XXXX XXXX within the same hour and stayed on the phone with chime for hours being passed around. I even contacted XXXX XXXX XXXX who stated to come here now because they are refusing to take accountabilty for transfering my money to the wrong person. It was XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous correspondence regarding the inaccurate information on my credit report. Despite my initial dispute and subsequent request for the method of verification, the disputed information remains unchanged. Therefore, I am requesting immediate action to correct the following item ( s ) on my credit report : Disputed Item ( s ) : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Reason for Dispute : This account is still being reported on my credit report after being DELETED by XXXX XXXX 
Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 1 ), credit reporting agencies are required to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. Furthermore, Section 611 ( a ) ( 5 ) ( A ) requires that any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or modified.

I have already provided documentation supporting my dispute and requested verification details in my previous letters. Since the information remains unchanged, I am now requesting that you : 1. Immediately delete or correct the inaccurate information from my credit report.

2. Provide written confirmation of the actions taken.

If these items are not corrected and removed within 30 days, I will have no choice but to file a lawsuit to enforce my rights under the FCRA. Additionally, I will be filing complaints with the Consumer Financial Protection Bureau ( CFPB ).

This letter serves as my formal Notice of Intent to Sue. I hope we can resolve this matter promptly to avoid legal action. 
Thank you for your immediate attention to this matter. 

Sincerely,
Product: Credit reporting or other personal consumer reports

I am writing in regards on my ongoing efforts to correct the late open accounts on my record. Despite our previous attempts, I regret to inform you that these issues still persist. As we enter this attempt to address this matter, it is crucial to emphasize the urgency and importance of rectifying these discrepancies promptly. The presence of late open accounts not only affects my credit score but also raises concerns about the accuracy and integrity of my credit information. I kindly request that you prioritize the investigation and resolution of these discrepancies, ensuring that all necessary steps are taken to correct them in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant regulations. Furthermore, I would greatly appreciate receiving regular updates on the progress made in resolving these matters and a clear timeline for when I can expect to see these discrepancies corrected on my credit report. The following accounts should be corrected as soon as possible : XXXX XXXX Balance : {$430.00} ; XXXX XXXX XXXXXXXX Balance : {$680.00} ; XXXX XXXX XXXXXXXX Balance : {$240.00} ; XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXXXXXX Balance : {$560.00} XXXX XXXX XXXXXXXX Balance : {$1100.00} ; XXXX XXXXXXXX Balance : {$1800.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$20000.00} ; XXXX XXXXXXXX Balance : {$210.00}.
Product: Checking or savings account

I was told that no interest was payable to a living trust by banking personnel - I later found that to be untrue. Bank failure to place funds in an appropriate account or follow up on status of account.
Product: Vehicle loan or lease

A year ago I took out a fixed auto loan with Wells Fargo. There are no pre-payment penalties for this loan. The minimum payment due each month is {$220.00}. I have paid more than the minimum payment due several times ( more often than not, sometimes as much as {$100.00}, each time writing on the check " please apply remaining balance directly to principal. '' However they have continually applied my over-pay amount to the following month 's in minimum due ( thus reducing my minimum payment for the following month. ) I still continued to pay more than the minimum due, and this cycle continues to this day. I assumed that eventually this will even itself out by reducing the amount of time it will take me to pay off this loan. 

This morning I thought it best to call Customer Service to verify this instead of assuming. The representative stated that this was not the case. Since I pay via Bill Pay ( through Wells Fargo online ) they do not process this pre-payment request, early principal payments can only be made by signing up on their Auto Pay Program. I once again reviewed the back of the statement and there's nothing indicating that this is required. In fact, all of my other creditor 's are able to accommodate my payment overage 's via bill pay without a problem. 

I feel that this is deceptive in that I reviewed the " Payment Options '' section of the back of the statement prior to pre-paying any of my principal and their " special '' requirement was never disclosed. 

Very deceptive!
Product: Mortgage

On XX/XX/2019 Quicken Loans called me to refinance my existing mortgage with them. The words " refinance '' or " we need to re-run your credit '' were never said. I advised them that I didn't want to run my credit report again, but the representative, XXXX said that she already did. I asked to speak with a manager, which I did, but he can't " un-run '' my credit report. They continued to try to sell me their " product ''. I feel personally violated by this gimmick.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX 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: Credit card or prepaid card

I have already filed this compliance which they said they would investigate and they have not. XXXX Synchrony Bank has done massive damage to my credit report by closing multiple accounts with no late payments affecting my credit ratios by XXXX XXXX XXXX XXXXhe last one was my Lowes Card which specifically stated it was closed with a balance because of XXXX past due mortgage payments which has since been corrected on my credit report. I asked them to reopen the account or at least open a new open with the same limit or difference between the limit and what was owed on the other. A representative reached out to me and that is all she did she stated she would look into this and figure it out and then I was ghosted. They have since denined any application from me. I will seek legal action If they refuse to fix this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX Balance : {$520.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX XXXX XXXX XXXX, CA XXXX