23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have a debt from a collection company called PROCOLLECT for the amount of {$2900.00} from a previous apartment that was MY MOTHERS and under MY MOTHERS name. These apartments are called XXXX XXXX XXXX. My mother was the only one on the lease, I did not sign the lease, I wasn't even a resident of these apartments. I tried calling the apartment complex to get them to send me a copy of the lease in order to prove that this debt is not mine. However, the apartments say that they got rid of the contract. I tried reaching out to PROCOLLECT and even wrote them a letter for the 30 day dispute ; they just hang up. They say it does not matter and I have to pay or else they will -threaten to do something else-. There is no way to communicate with them and make them investigate this claim. I do not think it's fair that this is affecting my credit score, showing up, and they are making me pay a debt that is clearly not mine. I am a student, I can't afford to be paying off this kind of debt that does not belong to me. And that is negatively affecting my future. I need someone to make the agency at least investigate the debt, in order to confirm that it's not a debt under my name. Something they are not willing to do.
Product: Bank account or service

I responded to an Internet banner ad for a {$300.00} bonus for opening a new Key Bank Checking Account. So, I did so online and deposited {$50.00}. But I did not receive a welcome packet and they closed my account ( Account XXXX ) after 10 days. When I called up, XXXX different departments said I had a ten year-old XXXX hit in the system. But that 's way past the limit for XXXX to be keeping it on a file ( not that it 's even mine ). I believe that Key Bank did not check with XXXX, but used their own histories that has data in it older than 10 years. I do not know where they got this flag from as I have never had an account with this banking company. And they said they would hold the deposit for 90 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XXXX/XXXX XXXX XXXX add a hard inquiries on my credit reports per XXXX ( the report does not include information about the creditor ) and XXXX.

On XX/XX/XXXX, SYNCB/PAYPAL add a hard inquiriy on my credit report per XXXX. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX ( ACCT # XXXX ), XXXX XXXXXXXX ( ACCT # XXXX ) & ( ACCT # XXXX ), XXXX XXXXXXXX XXXX XXXX ( ACCT # XXXX ), XXXXXXXX XXXX XXXX ( ACCT # XXXX ), XXXX XXXX ( ACCT # XXXX ), XXXX XXXX ACCT # XXXX ), XXXX XXXX XXXX XXXX ACCT # XXXX ) and, XXXX XXXX XXXX ACCT # XXXX ) ; has violated my rights. 

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

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

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.

15 U.S.C 1681s-2 ( A ) ( 1 ). A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I am writing to file a complaint against navy federal credit union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against navy federal credit union for similar practices, where transactions settled with insufficient funds. I believe these practices are unfair and request an investigation into my account transactions
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone keeps applying for car loans in my name which has destroyed my credit. I have filed a police report and I have asked the credit bureau to delete all of these inquiries from my report. I havent applied for anything in almost 2 years besides my bank accounts and 2 credit cards. It is against the law to have inaccurate and unauthorized items on my report and I can file a lawsuit if not corrected. Please, PLEASE remove promply this should not take 30 days to correct.
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 CashApp withdrew {$1300.00} from my checking account indicating that it was a REFUND ( the date of the original transaction was back in XX/XX/2019, not sure why they took a refund 2 months later ). The funds were released from my account by my bank on XX/XX/2019. This  refund was not authorized nor requested. There is no telephone number for CashApp so I sent an email on XX/XX/XXXX to XXXXXXXX requesting the funds be returned. I received a communication from XXXX XXXX XXXX on XX/XX/XXXX requesting further information for them to investigate ( to which I provided the information ). On XX/XX/XXXX I sent another request for investigation ( to which no response was received ). On XX/XX/XXXX I left a message on the App Store advising of the problem. I received a communication from XXXX ( XXXX XXXX XXXX ) advising they passed the case along to a " member of our Disputes team ''. On XX/XX/XXXX my mother sent email to XXXX XXXX XXXX requesting return of funds. A reply was received from XXXX XXXX in essence requesting the same information. I sent the information again. Please note that, to date, XXXX XXXX has NOT received the {$1300.00} withdrawn from my account and CashApp has not responded to my inquiries for investigation ( only been given runaround ). This has caused me undue financial hardship and I am unable to pay my bills. The below information is the information that I have repeatedly provided CashApp. 
Cashtag : $ XXXX Phone Number : XXXX Senders Phone No. : XXXX Email Address : XXXX Recipients Phone No. : XXXX Identifier of the transaction : # XXXX
Product: Debt collection

XXXX is stating that I owe a debt in access of {$660.00} dollars.and I am not understanding what the amount is based on.because still to this day of XX/XX/19 I am still with XXXX  phone service and has been.i pay my bill regularly on time every month..some has called me regularly stating that I owe and Ive told them numerous amounts of times I a still with XXXX  and pay my bill on time..Ive sent letters and attempted to call to settle this and yet still no conclusion and now it has been put on my credit ruining my credit score..please help me figure out what is going wrong..
Product: Debt collection

My husband and I purchased a car through Santander. The car was repossessed and sold before we were able to resolve the payments in XXXX XXXX. The balance was being reported on our credit reports as both open and closed up until a few months ago. I contacted Santander in XXXX XXXX regarding this debt and there was no response, but the status was then changed to a charge off. The debt is past the statute of limitations and is uncollectible according to the state of MS. Santander continued to call several times after I asked them in writing not to call me concerning this debt, which implied that this debt was still collectible, continuing to violate the FDCPA. I have disputed this account on both my behalf and my husband 's but they continue to report it and update the account on both our credit reports.
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Checking or savings account

On XX/XX/XXXX of 2022, someone hacked into our bank account and accessed our Chase Digital wallet. The person then went to the ATM at one of our local Chase branches and withdrew money out of both our checking ( {$1100.00} ) and savings ( {$240.00} ) accounts causing our checking account to drop to a {$0.00} balance. I received a notification from Chase that a couple of ATM withdraws were made that were over the limit I have set as an alert. I immediately drove to the branch and talked to the branch manager who helped close down the cards on the account in order to prevent any further charges. The branch manager worked with me to contact the Chase Fraud Department to open a claim. I also filed a police report with our local Police Department. A few days later Chase notified me that they were not going to reimburse me for the money which was stolen from my account as they claim it was my fault that the Chase Digital Wallet got hacked when we updated it through the Chase Mobile App. Shortly after they told me this the detective contacted me and told me that he had received the video surveillance and photos confirming that it was not my wife, myself or anyone we knew withdrawing the funds from our account and provided the police report showing that we indeed were victims of identity theft/fraud. Upon getting this information, I tried to contact Chase to inform them of the results from the police investigation but they continued to tell me that they would not re-investigate the fraud and that I was not going to be reimbursed for the money stolen. As for the police investigation, they are still looking for the suspect. All I am trying to do is get reimbursed for the money that was stolen as well as any overdraft fees that have been charged.
Product: Credit reporting or other personal consumer reports

Account Name : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXXXXXX XXXX  ) Account Number : XXXX XX/XX/XXXX / XX/XX/XXXX Reason : Unverified account Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) Account Number : XXXX XX/XX/XXXX / XX/XX/XXXX Reason : Unverified account Account Name : XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  ) Account Number : XXXX XXXX/XXXX/XXXX / XX/XX/XXXX Reason : Unverified account Account Name : XXXX Account Number : XXXX XX/XX/XXXX / XX/XX/XXXX Reason : I don't recognize this account Account Name XXXX XXXX XXXX Account Number : XXXX XX/XX/XXXX / XX/XX/XXXX Reason : Unverified account My personal information was compromised from the social security breach. 
These accounts also show different open dates on each credit bureau. Violation under the Fair Credit Reporting Act 1681i of the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed the information has caused more harm to my credit causing me not to get approved for different credit cards, a home and or a car. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

You are in violation of federal law under the Fair Credit Reporting Act. Under FCRA 15 USC 1681b-Permissible Purposes of Consumer Reports ( a ) IN GENERAL. 

Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. I never gave ( Bureau name ) any written instruction to furnish a consumer report, No content is identity theft. A copy of the identity theft report as marked Exhibit A attached. 

Furthermore you violated 15 USC 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( b ). I was not treated fairy and these unfair credit reporting methods undermine my confidence as a consumer which is essential to the banking system and the banking system is dependent upon fair and accurate credit reporting. My reputation, character, credit standing, credit capacity and credit worthiness I have not been able to obtain credit, insurance, employment or housing as well as suffered from mental anguish, stress, XXXX and marital problems. 
You have prevented me from extending credit and stopped by livelihood by violating my rights to consent and privacy. 
Fairness, impartiality and a respect for my right to privacy was not extended to me. 

I have contacted the Attorney General 's OfficeXXXX XXXX and the CFPB numerous times and nothing has been done about the violation of my consumer rights. 

You furnished a consumer report without my written instructions and furnished information that was not fair nor equitable to me. You furnished alleged debts owed without validation and had no regard for confidentiality by making vital information public. 

An attachment labeled Exhibit A as proof is attached. I demand all negative accounts be removed from my credit report and file or I will be seeking statutory damages since you willfully violated the obligations under the FCRA.
Product: Debt collection

Perfection Collections has an account on my credit report for an alleged debt thru XXXX. I have spent well over 30 days trying to get documents to validate this debt, and they are not cooperating. I sent a certified letter to them, and they have not responded with the documents I asked for, and refuse to delete the account from my credit report. The account is shown with an amount due of {$1900.00}. I have asked for something in writing from XXXX showing the charges that equal that amount they are reporting on my credit, and XXXX states they do not have that. He has since sent me a pretty generic statement showing a list of invoices, with a list of payments, and none of that shows an amount due, the original amount, etc.. The contract thru XXXX  does NOT mention that I agree to pay a 3rd party, or any assignees, it shows several areas scratched over, and changed, and Ive certainly never had a contract with Perfection Collections. When I spoke with the supervisor at the collection agency he stated that since they bought the account they bought the contract as well, and thats why I owe them. I told him that was against the law, you can not substitute yourself into a contract, and he states thats perfectly legal, even tho subrogation is against the law with debt collection- The right of subrogation does not exist for a stranger to the transaction XXXX XXXX XXXX XXXX, section XXXX. This has been an ongoing battle, XXXX keeps telling me that they have validated the debt, and they wont delete the account, even tho I have proven that they are in violation. I am located in Texas, and the laws in Texas are very specific about what the collection agencies have to provide, and Perfection Collections is not providing that information and they are violating my rights.
Product: Debt collection

I ha ve been a Macy 's  card holder for a few years now. I had a payment due  XXXX   XXXX  but since they NEVER updated my address ( I move every year or so due to rent increases in   XXXX   and it takes them repeated attempts to change my address ), they sent my bill to the wrong address and then I got it late -- paid it  XXXX   XXXX . Starting  XXXX   XXXX , I have been receiving phone calls from phone numbers in  XXXX   (   XXXX ,  XXXX  ) NONSTOP. I figured it was a salesperson because ever since I went to the  XXXX   XXXX  concert with my mom and gave them my phone number in a raffle, I 've been harassed at all hours of the day -- but that 's another story. When I finally answered and found out it  was Macys, I  almost fell off my chair. I mean, really?! A few dates late and already they are calling me -- I have received  14 phone calls in 52 ho ur period, all I have screen shots for :  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    Does that sound reasonable?? I mean this is so ridiculous. And the payment I made in  XXXX  was on time, with no late fees or any extra fees. So basically they are harassing a loyal and good custom er 14 times in le ss than 3 days because of being 6 days late on a payment -- due to an address change!   And there was  NOT ONE  voice message left in all those phone calls so that I knew who was harassing me and could have dealt with it.   This is true harassment and something needs to be done about this. And I 'm not the only one, I 'm sure.    XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act child support Account # XXXX, XXXX XXXX Account # 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card or prepaid card

When opening the account, was drawn to the promise of 3x points on travel purchases. While using the card for a few purchases with XXXX ( a large, vacation rental marketplace ) this year, I noticed I wasn't receiving 3x points, but rather 1x. While using the card for a similar service called XXXX, I did receive 3x points. I called on XX/XX/XXXX to rectify, but was told by an agent there was nothing she could do. Here are the dates : XX/XX/XXXX - {$1300.00} XX/XX/XXXX - {$280.00} XX/XX/XXXX - {$400.00} XX/XX/XXXX - {$190.00} In total, missing 4,471 points, which has a monetary value of XXXX {$44.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently have submitted a Frad claim to HSBC and now they won't accept it!!! i'm not sure why during a time like this! COVID19 is our enemy and HSBC isn't helping nobody and Nobody should bank with this company!! I want the world to understand and see this and a bank like this is horrible!
Product: Checking or savings account

I used my bank 's check mailing service to pay three creditors. They were supposed to be sent on XX/XX/2021. I allowed ample time for the checks to be received on time. The money in the amount of {$1100.00} was withdrawn from my checking account and I was informed that the checks were mailed. After about XXXX weeks, I noticed that none of the checks cleared as they should have. Shortly after, I was assessed a late fee by each of the creditors. I was charged fees in the amount of {$38.00}, a XXXX processing fee, plus there is a stigma with paying bills late. 

I was informed by Chime that all that can be done is they can cancel the checks and credit the money back to my account. They offered to send them again, but I lost my confidence by this point and declined. I was offered a flippant apology for the " inconvenience ''. To a working class person like myself, having {$1100.00} tied up for a total of three weeks and approximately {$40.00} in late fees, is a big inconvenience.
Product: Student loan

My student loan company, ACS Education Services, has given me a choice : I can receive monthly statements about my account, or I can enroll in an auto-pay program that results in a 0.25 % interest rate reduction. Obviously I want to reduce my loans as much as possible, and auto-pay is a great way to avoid missing a payment. So I took that option. 

However, without a monthly statement, I can not easily see how I am doing on this loan from month to month. For instance, I can not tell exactly how much I am paying in interest each month. There are " informational '' webpages I can access, which seem to provide a snapshot of the loan at that particular moment, but those webpages do not provide a monthly status report the way a statement does. Nor can I keep records of my ACS statements, as I do with my loans from another servicer. 

My question is : Is it appropriate and legal for ACS to refuse to provide monthly statements to borrowers unless we agree to forego the lower interest rates and auto-pay? Should n't they be required to provide monthly statements to everyone? It does not seem fair to force borrowers to effectively pay more, and lose auto-pay, just to have a monthly statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the account listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. I demand the following account be verified or removed immediately. 

1. XXXX XXXX | Unverified Account
Product: Credit reporting or other personal consumer reports

My credit report contains accounts I do not recognize, likely due to identity theft. I request these fraudulent accounts be removed immediately.