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

My Mother 's Trust account of which I am trustee and only legally authorized signer was allowed to have approximately {$40000.00} worth of checks written on it from XX/XX/XXXX ( date written ) of XXXX to XXXX. I reported this when I received the XXXX statement. I was told I had 60 days to report this from receipt of the first statement that showed fraud. 
When the complaint was addressed I was told I had only 30 days in the state of Wyoming from the date the first statement was available. This would mean that I was requited to do online banking and or contact the bank by phone, guessing when the date would be that it was available as per her response, the date is different each month. My mother was XXXX and did not use a computer. I rarely used the account except to pay for her bills. I feel this was a reach to require this and would like proof of this rule. Additionally, in my research regarding a bank 's duties, there is a level of trust that a customer should be able to feel, based on the bank 's fiduciary duties to ascertain that checks written have been signed by the correct person, signed by the person named as owner of the account and that the information such as title and address on the checks match any previous transactions, however this small bank allowed 11 checks to go through consecutively without noticing any of the red flags, including the fact some of the checks were quite large. My mother 's address was changed on the created checks from her address in Wyoming to an address in XXXX XXXX TX and a complete stranger was allowed to write each check. Additionally I was told different versions of the amount of time required to report.. I reported the day I received the XXXX statement and was not concerned that I did not receive the XXXX statement as I had also received a letter in XXXX saying an account at that same small bank had an incorrect address. ( it did not or I wouldn't have gotten the letter ). The bank 's response was that they apparently did not have client 's information in one database as an excuse as it was " for a different account?? : '' The bank watched my account activity and requested a copy of my POA and Will although this was sent by my Mother 's financial adviser in XXXX, brought in to the XXXX branch physically by me in XXXX and kept by them and requested again. I was told each time, copies were made and put on file but no one seemed to have it. I did send it to the XXXX XXXX in XXXX who scrutinized my use of the account but did not notice 11 Fraudulent checks that were clearly fraudulent went through without notice. The last response stating that I only had 30 days from the random date accessible only online or via phone makes me question, also, if that is also the case in the bank in the state of Montana that I had to contact initially since after several calls to both branches in XXXX, no one answered. l believe the Wyoming banks are branches of the XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a huge step in the right direction but there still exist major flaws in the proposed course of action. First, the final loan assumption was XXXXXX  2014 ; this is the date when I officially assumed legal responsibility of the loan. Second, the response does n't even address the false reporting of delinquencies. It appears to me that XXXX XXXX XXXX is just glossing over the matter of false reporting delinquencies. That is the main issue I have with my credit report now. As the financial records prove I was never delinquent on this account. The matter is n't even addressed in the response from XXXX XXXX XXXX  because they want to change the narrative. Third, how the loan is reported is n't in accordance with the contract I signed. The contract clearly states " the loan will be reported as Modified '' and not modified under a government program. If CFPB could please get an updated letter addressing the false reporting of delinquencies that would be great. As I 've shown through proof of payment and legal assumption of the loan, all delinquencies were discharged and not passed onto me upon assumption. This needs to be corrected ASAP. I 've provided all the necessary proof validating my position is correct. As I 've dealt with this company over the years I 've learned that they will pull out all the stops to XXXX you over. In my opinion, this is just another stall tactic in hopes that I 'll accept this but I 'm not. My good credit history is all I have and they 're not going to take that away from me. Please assist me in getting this corrected. If this dispute could be reopened I would greatly appreciate it. If XXXX XXXX XXXX refuses to correct the errors then I 'll have no choice but to seek legal recourse. As outlined in the assumption I 've attempted every option other than legal action. Please assist me in making one final  attempt to get this matter corrected and effectively resolved. Thanks for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have for almost a year now been in a battle with LexisNexis to remove the negative items on my report, including a bankruptcy record. They keep telling me the bankruptcy has been validated and I have requested to see how they have validated this, as I have previously contacted the courts and they have mentioned they do not validate this information. I once again emailed the courts last night for additional verification and they have replied that in fact, they do not validate this. LexisNexis is violating my consumer rights and I need your assistance to have them delete this record and stop reporting.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I, XXXX XXXX XXXX, am writing to file a formal complaint against the three major credit reporting agencies : XXXX, XXXX, and XXXX. This complaint is in regard to multiple violations of my rights under the Fair Credit Reporting Act ( FCRA ), particularly concerning the privacy and accuracy of my credit information. Violations Include :. 
Privacy Rights Violation ( 15 U.S.C. 1681, Section 602 ) : All three agencies have mishandled my personal and financial information, compromising my right to privacy as protected under the FCRA..

Unauthorized Distribution of Information ( 15 U.S.C. 1681b, Section 604 ( a ) ( 2 ) ) : XXXX, XXXX, and XXXX have all furnished information about my account without receiving my explicit written consent, a direct contravention of the FCRA mandates.. Incorrect Late Payment Reporting ( 15 U.S.C. 16666 ) : Despite my diligence in making timely payments, the reporting agencies have inaccurately reported late payments on my credit profile, which is misleading and damaging to my credit standing. These actions by XXXX, XXXX, and XXXX not only violate specific provisions of the FCRA but also inflict undue harm on my credit reputation and overall financial well-being. I expect a prompt and thorough resolution to this matter and request to be kept informed of the progress. 
Thank you for your immediate attention to these serious concerns. Sincerely, XXXX XXXX XXXX
Product: Debt collection

Our XXXX  son passed away on XX/XX/2022 at the age of XXXX with no estate. We have received a debt collection letter from Weltman, Weinberg & Reis LPA for a debt owed to XXXX XXXX attempting to collect this debt from us his parents. Parents of XXXX  deceased XXXX  are in no way responsible for this debt. This is appalling that a debt collector would even attempt to try to intimidate grieving parents to collect on this debt.
Product: Debt collection

On  XXXX / XXXX / XXXX  I, checked my credit report. I found that a debt in the amount of {$6100.00} was added to my account from "  XXXX   XXXX   XXXX  '' in  XXXX   XXXX ,  XXXX . When I checked this debtor, I found out that it was for a now-defunct  XXXX   XXXX , which I did attend ( in  XXXX   ) , but I did not owe any money to as I strictly used federal funded loans, and no other loans for my education. I find it more than suspicious that I owed nothing to  XXXX   XXXX  at all when I left in  XXXX  or in any years, until this cropped up on my credit report in  XXXX .     There was no debt owed to this school in any amount of money and now  DEVILLE ASSET MANAGEMENT loc ated at  XXXX   XXXX   XXXX ,  XXXX , TX is on my credit report as the collection agency in charge of this so-called debt. his company is ruining  my credit score with this bogus and unsubstatinated claim that I owe them a debt. There have been no attempts to contact me in order to validate the debt and I 'm sick of this garbage.
Product: Debt collection

This account was disputed on XX/XX/XXXX with the CFPB and deleted from my credit report on XX/XX/XXXX due to it being a result of fraud identity theft. The dispute result stated that item would not be reported by the reporting agency I.C. System, Inc, however, the same agency reported the item on XX/XX/XXXX three months later, violating the agreement and going against the ruling of the CFPB. 

This account was re-reported to my credit report on XX/XX/XXXX. As a result I was denied on my rental application the same day that I applied which was XX/XX/XXXX. At this point this account has caused enough problems after Ive already proven that it is not mine. 

This account and debt do NOT belong to me and are a result of identity theft! There are many inaccuracies in the information on the account in question. My name, the account was used at an address that I have never lived in or been associated with, the email address on file does not belong to me, and I have not physically lived in XXXX or rented or owned an apartment or home since XXXX. I have NEVER had any services with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX employees keep telling me to call the other side and that your money is under XXXX XXXX but when i did i were denied. I have ask card service over and over to remove the wrong address that they keep sending me XXXX XXXX XXXX XXXX, XXXX XXXX and they have not. Now I am receiving texts to contact XXXX XXXX bank and card services fraud dept. email address XXXX and I did without an response. 

XXXX XXXXXXXX services please explain the text message ( AOD ) to contact you and what involvement I have with XXXX XXXX bank and what needs to be disclosed to me.
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/2023, I fell victim to XXXX multi-layered scam operations run by XXXX  XXXX  which involved me making deposits for a total amount of XXXX USD from my First Citizens Bank account to a fraudulent investment firm ( s ).
Product: Debt collection

I have been contacted and threatened by Jefferson Capital Systems twice about a debt from 2017 on a XXXX debit card account. I had paid the debt years ago, and confirmed that by calling XXXX directly to ensure that they had record of the debt being paid, which they did confirm. They said that there was not a balance. This is the second seperate time that XXXX has attempted to collect the debt after it was paid. The first time was a few years ago, and I provided the payment details that XXXX had confirmed. They continued to harass me but after I told them I would report it, they stopped. Now they are doing it again, by USPS and also now by telephone.
Product: Credit card or prepaid card

On XX/XX/XXXX Discover received a payment for the amount of {$4000.00} in the form of a Money Order valued at the above mentioned amount, and written with the provisions for a full satisfaction of the outstanding balance. On XX/XX/XXXX I called Discover and spoke with Multiple representatives, where they agreed that they do accept Legal Tender, and was aware of the misapplied payment. At this point there was an investigation initiated, and they credited my account temporarily while the credit was being applied fully. Within 24 hours they reversed the credit without any reason or evidence of an acceptable conclusion. I waited until the next bill came to be listed online and saw there was no correction on the account. At this point I sent another payment to offset the updated balance of {$3900.00} and the 1st legal notice of payment tendered and opportunity to cure along with supporting documents which I have attached here. I have yet to receive a response but am still being collected on.
Product: Vehicle loan or lease

On XX/XX/2021, I refinanced my vehicle with Capital One. When this happened, they ask me to sign a limited power of attorney so that they could be placed on my title as lienholder. This was completed and verified by Capital One as being completed on XX/XX/2021. According to the previous lienholder the title was sent to Capital One in XXXX as well. On XX/XX/2021, I purchased a new vehicle and got an offer from XXXX to purchase my vehicle that is with Capital One. I went to XXXX on XX/XX/2021 to redeem my offer on my vehicle and was advised that Capital One was not listed on my title as lienholder and that I needed to contact them to fix the situation in order for XXXX to purchase the vehicle. I called Capital One and was advised that they received all the necessary documents in XXXX, however had not sent the documents to the XXXX to be placed on the title as lienholder. I asked why this hadn't happened yet and that the vehicle is being sold and that I had a new vehicle and needed to sell this vehicle and was advised that " they have just been so busy and will be able to send the paperwork to the XXXX on XX/XX/2021 and will be able to track the paperwork with a tracking number once it is sent. I explained the situation and asked if there was anyway to expedite the process. The gentleman laughed and stated that was not possible. Then was quoted that this process takes 35 days roughly to complete and wont even start until XX/XX/2021 when they are able to send out the paperwork. I am now stuck with 2 vehicle payments, 2 insurance premiums and I can not do anything until this process is completed some ( hopefully ) 2 months from now. It can not be possible that people can conduct business like this. This is ridiculous. I have also written a letter to them and have yet to get a response.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Credit Card that is being reported on all 3 credit bureaus, XXXX XXXX AND TRANSUNION.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has deleted and removed the following fraudulent account : XXXX XXXX : XXXX, balance : {$2000.00}, 3 times from my Experian credit report previously, but Experian keeps re-inserted and putting the fraudulent XXXX XXXX account back on my credit report. The XXXX XXXX account is not my account. Its a fraudulent account.I have never applied for a XXXX XXXX Bank credit card account. Someone stole my identity and used my personal information and applied for 4 XXXX XXXX Bank credit cards, including the account above. I have been a victim of identity for over 25 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an issue with the Capital One Credit Card website and a payment did not go through for XX/XX/2019. I was told on a recorded call that I was ok and that it would not go on my credit report. I was in effect lied to because on other calls I was told it would but then I was told it would be taken off if I filed a formal dispute, which I've done. But my credit report still shows a missing payment for XXXX of 2019. I need it corrected immediately so I can get a new car. 

The company has both lied and misrepresented their own records. This is a huge injustice and I plan on taking it up with the XXXX XXXX XXXX and Attorney General. Very disappointing work here. 

Recorded calls that were previously acknowledged and discussed with managers at Capital One have somehow been expunged or deleted from their records. This is a clear and brazen cover-up and needs to be escalated to the executive level immediately.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you of an attempt to collect on the alleged debt referenced below are in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 16921692p. If you are not aware this entire claim is regulated by an arbitration agreement with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, which clearly stipulates that any dispute must be resolved through arbitration due to the binding agreement. To date there has been no arbitration proceedings. As a direct result of that this is considered a material breach of the arbitration terms listed in the original agreement acknowledged by all involved parties. I confidently assert that these companies have no right to collect on this alleged debt. 

I am writing this as I humbly seek to have this discrepancy resolved both promptly and amicably. 

With that, my request are as follows : Promptly notify any credit reporting agency to remove all information and/or tradelines associated with this account. I request a written confirmation of that communication to be sent to the address they have on file. 

Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

My account was closed with Citi bank XX/XX/2021. Still have not received my money from account. Any time I call. I get hung up on
Product: Credit reporting or other personal consumer reports

I am writing to dispute unauthorized inquiries listed on my credit report. Upon reviewing my credit report, I have identified several inquiries that I did not authorize. The details of these unauthorized inquiries are as follows : 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 XXXX XXXX XXXX XXXX  I am concerned about the potential impact these unauthorized inquiries may have on my credit score and overall creditworthiness. Therefore, I kindly request that you investigate these inquiries and provide proof of authorization. If you can not provide documentation that verifies my authorization for these inquiries, I ask that they be removed from my credit report immediately. 
Enclosed are copies of my credit report highlighting the unauthorized inquiries for your reference. Please notify me of the outcome of your investigation and any actions taken to resolve this matter. 
Thank you for your prompt attention to this issue. I look forward to your response. Sincerely,
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I am submitting a formal complaint against Cash App ( Block, Inc. ) regarding their subpar customer service and unfair business practices, which contravene the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to implement timely and effective measures to prevent and address fraud on their platform, thereby leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they failed to 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: Credit reporting or other personal consumer reports

ACCORDING TO THE I.R.S AN UNPAID CHARGE OFF IS INCOME ACCORDING TO THE FCRA INCOME CAN NOT BE REPORTED ON A CREDIT REPORT I'M REQUESTING FOR THE SECOND TIME A 1099-C ( CANCELLATION OF DEBT ) FROM UPSTART SERVICES ACCOUNT # XXXX AFTER CHECKING MY MOST CURRENT REPORT THE UPSTAR LOAN SERVICES THE UPDATED INFORMATION STATES THAT THE ACCOUNT WAS SOLD/TRANSFERRED TO VELOCITY INVESTMENTS AS OF XXXX XXXX AND THEY ARE THE NEW SERVICER OF THE ACCOUNT. THIS ACCOUNT CAN NOT BE REPORTING AS A CHARGE OFF ON MY CREDIT REPORT THE ACCOUNT WAS SOLD/TRANSFERRED TO ANOTHER LENDER PLEASE SEND ME THE 1099-C FORM THANK YOU.
Product: Debt collection

I have never had such medical bill. I have never visited medical facility in the mentioned place. I just saw the derogatory marks in my credit report XXXX morning and that to XXXX bills from same place.
Product: Mortgage

Im writing to apply to be part of the customers that are filling claims that were unresolved in past, and Wells f owe money to. I had a mortgage in XXXX  it was foreclosed, we were not given the proper refinance loan.
Product: Credit reporting or other personal consumer reports

Reviewing my equifax credit report I notice XXXX XXXX is reporting a late payment of 30 days late XX/XX/XXXX. Having this XXXX XXXX XXXX  since XXXX of XXXX, this account has never been late. This late payment was reported during the time of a national pandemic. I do not recall receiving the statements 21 days prior to the due date to make an on-time payment. According to consumer law 15 USC 1666b- Timing of payments the consumer must receive the statements 21 days prior to the due date. Furthermore, according to consumer law 15 USC 1681s the consumer must be notified in writing before reporting negative information to credit reporting agencies. I did not receive any written notification from XXXX XXXX 30 days prior or after the late payment was being reported on my credit report. 

I know it is XXXX XXXX  duty to report accurate information and as a consumer with a perfect payment history I understand that, however the reporting of 30 days late in XXXX during a pandemic I do not believe was reported accurately according to all consumer laws that applies.
Product: Credit card

Today, XX/XX/XXXX, in the morning, I brought all 'unwanted ' items, except frames and foldable laptop table, to the police. After the explanation of situation, I was told to dispose them by the XXXX XXXX police. Also, I was told to ask or notify the management of XXXX XXXX in XXXX XXXX, NJ. Without checking the items in the management office, we agreed to discard them ; however, the lady had decided to keep our apartment number and the information of 'unwanted ' items. Then, I threw away that XXXX XXXX ' item, which the policeman showed the expression of surprise when he saw it at the end after seeing other items. Two earbuds and an angel with dog were donated.