23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Multiple accounts were opened in my name without my knowledge. 
I am writing to dispute the accuracy of information contained in my credit report with regards to the accounts of Capital One and XXXX XXXX. 
In accordance with the Fair Credit Reporting Act ( FCRA ), I am informing you that these accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. The sections mentioned in my letter clearly state that I have the right to privacy and that a consumer reporting agency can not furnish a account without my written instructions. 
Furthermore, the FCRA states that no consumer reporting agency may make any consumer report containing any adverse information that antedates the report by more than seven years ( 15 U.S.C 1681c. ( a ) ( 5 ) ). Additionally, it is stated that 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 ( 15 U.S.C. 1681s-2 ( A ) ( 1 ) ). 
I am requesting the following information related to these accounts : 1.The name of the original creditor and the account number 2.The amount of the debt currently being reported 3.Proof that I am legally responsible for this debt, such as a signed contract or loan agreement 4.Proof that you are the current owner of the debt, such as a valid chain of assignment 5.A detailed breakdown of the charges and fees included in the debt amount 6.Agent ID of Agent verifying this inaccurate information Please note that I am making a formal request for an investigation into these accounts under the FCRA and I expect a prompt resolution of this matter. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Spoke with two Experian rep, also disputed with XXXX  and XXXX and advised I have inaccurate accounts on my credit report. I advised that the accounts have been disputed on their website as well as letters have been sent into their office. I advise that the letters advise them of my rights and request that they provide me information about how they conducted their dispute investigation or delete these account immediately. All of my attempts and request has fallen upon deaf ears and no action has been taken on their behalf. I advised them that it has been past 30 days on all disputes. When I spoke with two Experian representatives, I let them know this, also requested a supervisor and was transferred to a different department and was advised no supervisor was available. I have requested these unverified accounts to be deleted from my credit report and this hasn't been done, its been while over 30 days. I've sent them a 3rd and final letter notice, to correct credit report or legal matter will be taken against Experian for violating my rights as a consumer.
Product: Credit card or prepaid card

Synchrony bank charged me {$16.00} for having a XXXX balance on my Amazon store card. I paid off the card the previous pay period and had not used it as I am trying to pay down my credit card debts because the interest charges are too high and I'm living pay check to pay check right now. 

So, I closed the account. One week later, Synchrony cancels the other store card I had for Guitar Center ( musical instruments only ) which also had a XXXX balance ( because I had paid it off and had not been to that store in a while ) and gave the following reasons : 1. Your credit score : XXXX XXXX. Lack Of Real Estate Secured Loan Information 3. Balances On Accounts Too High Compared To Credit Limits And Loan Amounts 4. Too Few Accounts Paid As Agreed 5. Not Enough Balance Paid Down Over Time On Installment Accounts All of these reasons are falsehoods. When I checked my credit score as of today, XX/XX/XXXX. It was XXXX to XXXX, and I have XXXX unpaid debts, and XXXX late payments, and all my loans have been paid according to the agreements. 

In addition, both XXXX and XXXX noted that Synchrony having canceled my credit for the reasons they stated would hurt my overall score. 

This is predatory lending in addition to causing real harm to people living on a shoe string budget. It is not fair that the poor are punished by being charged unfair fees and high interest rates while the rich are given unlimited credit with minimal fees and low interest rates.
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 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 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. Has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Has violated my rights. 

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 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 to any consumer reporting agency if the
Product: Credit reporting or other personal consumer reports

I was going through my credit file & realized that theres a security freeze on my credit file. I need to unfreeze my credit immediately.
Product: Checking or savings account

on Saturday deposited a Money Order they can do this if not participating ... part of it was available as a courtesy ... The complaint is a money order was a hybrid between a checque and cash ... still today Monday the funds available the next business day so why is it not ... only XXXX of a XXXX and will be the next day ... Lied to by the teller, called the phone bank before going in and teller forgot who I was and caused more problems like unable to pay a bill, delayed further by the phone bank XXXX who happens to be corporate ... shows you discrimination and how they have not learned from the fake account disaster ... it is my money they will not invest into infrastructure to check and XXXX said closed Sunday ... under covid need to be faster and the 21st century ... because they are not afraid and CFPB has no lawyers they are not afraid to do this to me ... they sent a read and destroy by XXXX to the branch as evidenced by the teller reading their screens which is not kosher pretending they do not know me ... XXXX in AZ decided to transfer me after ... it was the branch that was too restrictive ... banks had branches not stores if then discrimination ... That is only the tip of the iceberg..at this time they refused to participate like a real big bank. Call corporate instead ...
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo Student Loan Department. I have been a Wells Fargo name customer since I took out student loans in XXXX and during that time, I have made all my payments ontime, even when struggling financially, I never missed a payment, 24 months plus. When Covid-19 hit, I took a furbance as I lost my job and after the 6 months, I applied for the 2 extra months Wells Fargo offers in general. I was accepted online but then got wrongfully declined and a letter was sent to an old address. XXXX of XXXX. NO email or call was made to me, and this has been confirmed by Wells Fargo, which is not their protocol and they admitted it was an error on their end. When the payment didnt come in, Wells Fargo did NOT call me, OR email me alerting me of this ( which is protocol for them ). This has been confirmed on a phone call and a case that I filed with Wells Fargo. 

At the time of the late payments ( XX/XX/XXXX-XX/XX/XXXX XXXX, I was under the impression that I was in forbearance, the moment of finding out I was late 2 payments, I paid everything in full and also paid the future payment, to be on the safe side. The missed payments are not a honest indicator of my actual credit worthiness NOR my co-signers. I hope that Wells Fargo is willing to work with me on erasing this mark from my credit reports and my co-signers. My credit and both of my co-signers credit were hit incredibly hard from this error on Wells Fargo 's end and now I can not refinance my loans due to their mistake. A case was opened and fault was admitted but they will not wipe it from my credit report nor my co-signers. 

I am in the process of buying a home, and with these negative marks on my credit report, it dropped my score and my co-signers score 200 points. This does not represent my co-signers credit nor mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a 5 year XXXX  XXXX with XXXX XXXX. It matured XX/XX/2020. I started the process to have it moved to an XXXX  savings account at XXXX XXXX  on XX/XX/2020. 
The transfer request has been submitted by XXXX XXXX 2 or 3 times and all other information has been given to XXXX XXXX. I have talked to their financial advisors at XXXX several times. On XX/XX/2020 I was told that the transfer would be made within 24 to 48 hours. The amount in question is over {$100000.00} The transfer has still not been made.
Product: Debt or credit management

The company first attracts customers by sending mailings to your homes under the company name of XXXX XXXX telling you that you have been pre-approved for a debt consolidation loan. I reached out to them in XX/XX/XXXX. 
When you reach out to them, you are told they do not offer loans, but help you by settling your debt for less than what you owe with the creditors using XXXX XXXX XXXX firm. This was what they did to me. 
They also tell you to stop paying your creditors and they will set up an account with a company called XXXX XXXX where your payments are held and then used to pay the settled debts. 
While you are not paying your creditors, late fee and interest will accumulate and the money that you think is being saved to pay off your settled bill is instead being used to pay illegal upfront fees. I have not had any of the debt negotiated. My credit has gone way down. Creditors are calling me left and right. 
Per the Federal Trade Commission debt relief services, you can't collect any fee from a customer until you meet these three requirements : You must have reached a successful result for your customer. Not happened. It is XX/XX/XXXX now. 
There must be an agreement between your customer and the creditor. 
Your customer must have made a payment to the creditor. I've paid {$460.00} every month since XXXX and also sent them {$600.00} extra to help pay down the debt. 
Someone at XXXX XXXX sent out emails to the clients on XX/XX/XXXX from court appointed receiver for XXXX XXXX XXXX. to tell them that they are being sued for fraud and the XXXX XXXX XXXX brushes it off stating disgruntled employee and to ignore. They also conveniently sent an email out less than one week after this email stating they are making enhancements to the site and it would be down. 
The lawyer I have been assigned to is XXXX XXXX XXXX. 
This lawyer claims it can take awhile to get resolution. Had I known this, I would have worked with my creditors directly and have had a solution. 
I do not believe a word of what I am being told. It is pointing fingers to others. There's a current lawsuit filed XX/XX/XXXX showing several states however my state of XXXX is not included. I would like to be included in this. If I can provide anything, please let me know. 

I have all the emails sent to me and am happy to forward to anyone who needs them.
Product: Credit reporting or other personal consumer reports

ACCOUNT NAME ACCOUNT NUMBER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 SECTION 602A Stated I have the right privacy 15 U.S.C 1681 SECTION 604A 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 conviction 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

I am writing to formally dispute a charge-off that has been reported on my credit report for the above-referenced account. Upon reviewing the details of this charge- off, I have found that I did not receive a 1099-C form, which should have been provided to me in compliance with IRS regulations when a debt is canceled or written off. According to the IRS guidelines, a creditor is required to issue a 1099-C when they cancel or forgive a debt of { {$600.00} } or more. Since I have not received this form, I believe this reporting is inaccurate. In light of this oversight, I kindly request that you : 1. Provide evidence that a 1099-C was issued for the debt in question. 2. Correct the reporting of this account on my credit report if the form was not issued, as this reporting may be incomplete or misleading without proper documentation. I would appreciate it if this matter could be resolved promptly. Please send me any supporting documentation related to the charge-off, or confirm that this charge-off has been removed from my credit report. Additionally, I expect this dispute to be investigated and resolved in accordance with the Fair Credit Reporting Act ( FCRA ). I appreciate your attention to this matter and look forward to your prompt response.
Product: Credit reporting or other personal consumer reports

I have been working to clean up my credit with the help of XXXX XXXX and XXXX XXXX on multiple collection companies that have reported on my credit report. None of these are mine to my knowledge and it seems may have been multiple reported from the same debt. There is a credit collection company named XXXX XXXX XXXX that is on my credit report in the amoun of {$5300.00}, XXXX Funding {$3900.00}, XXXX XXXX XXXX {$3100.00} and {$1600.00}. As to my knowledge these are not my debts and I have repeatedly requested through those services listed above and directly with XXXX and XXXX to send me proof of this debt. XXXX XXXX submitted in XX/XX/year> and XX/XX/year>, and I have continued through XXXX XXXX and the credit bureaus as well. No response from any of the collection companies listed. I do not want to contact these company directly and give any personal information to them without any knowledge of what this is in fear of more fraudulent activities. I do not want to give any social security info or personal info to them because I do not know who they are. Everytime I have disputed online the only thing that changes on my credit report says " customer disputed, account verified '' but never any correspondence showing the proof of debt belonging to me. I am requesting these all to be removed as soon as possible, due to the fact they have not responded in the 30 days required by law with proof.
Product: Student loan

Mohela keeps misplacing my payments. 

Account number : XXXX I am writing regarding a critical issue with a payment I made for my account. The payment of {$290.00}, due on XX/XX/XXXX, was processed from my bank account, sent on XX/XX/year>, and successfully delivered on XX/XX/year>. However, this payment has not yet been credited to my account. I have uploaded proof of payment from my bank for the XXXX and XXXX payments to Mohela several times for your review. They keep asking me to submit proof of payment, which I have done many times. 

Please help me investigate this issue and ask Mohela to trace the XXXX payment to ensure it is correctly applied to my account. Furthermore, I must emphasize the seriousness of this situation as Mohela 's failure to resolve these matters could lead to Mohela, reporting negative information to credit agencies due to an error on their part. 

Thank you for your immediate attention and help to look into this matter. I look forward to hearing from you. 

Sincerely, XXXX XXXX Mohela Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, Experian, and XXXX.
Product: Credit reporting or other personal consumer reports

Victim of ID theft. This card was unauthorized open and used without my consent or knowledge. Attached letters please delete this file from my credit profile immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

Date open XXXX Then it says original Balance XXXX but than says collection account XXXX past due as of XX/XX/2019 status updates XX/XX/2019 please look it to my credit report because I was with Lexington Law for 4 years and all accounts have been removed I thought until I just checked and there back on there and I would like to know how if items have been removed than they should stay removed. Please look over my credit report and fix the things that need to be fix. I paid Lexington Law a lot of money to fix my credit report to find out its not fixed so there is something very wrong going on and needs to be investigated and fixed. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX BXXXX-Balance {$0.00}
Product: Credit reporting or other personal consumer reports

Working with my attorneys and they have been unsuccessful with records that have been subpoenaed to XXXX XXXX. My credit reports have been manipulated and there are multiple accounts that I have not opened and also are not in my last name with the XXXX credit bureaus Also accounts have been opened when there was a credit freeze on my account. 
Equifax Trans union Experian
Product: Checking or savings account

On XX/XX/XXXX I opened a new checking/savings account with Citi Bank. I made an initial deposit to the account on that date and set up direct deposit through my employer who started making deposits every Friday. I then received my stimulus check and deposited it to my account on XX/XX/2021. On XX/XX/2021 I attempted to pay for my medication that I am required to take daily to keep me alive and my debit card was declined. I called Citi Bank and was advised there was a fraud concern on the account and that it was being reviewed by a " back-office team '' that can not be reached via phone and I would just have to wait 24-48 business hours for a response. It is now XX/XX/2021 and they still have not communicated with me, gave me access to my funds which total {$670.00} and keep giving me a different answer everytime I call. I have been calling 2 or more times a day trying to get access to my money and keep being told to call back in 24-48 hours. I have not been able to eat, or get my medication in 8 days and can not get any help from the bank or answers. They did not notify me my account was being blocked and just locked the account, will not tell me why it was locked, or are willing to help find a solution. I have taken it to social media to which their online team said " I am sorry we can not help you just keep waiting ''. They have also locked me out of my online access so I am not able to even see if my money is still in my account.
Product: Credit card or prepaid card

Capital One deactivated my card when I had it in my possession in the house and now refuse to issue me a new one. They do not even have my address at XXXX  XXXX XXXX, XXXX XXXX, Fl. XXXX and everyday I call them and they say the card will come tomorrow but it has been two weeks and no card sent to me as a replacement. 

The card I had does not match the ones they say I have which they claim is XXXX and XXXX but my card was XXXX XXXX XXXX XXXX snd give no reason for deactivation. I made my payment this month but it was foolish because they credited the wrong person. 

They need voice print like XXXX XXXX  has as they are in constant confusion of who I was when I called them up reading me wrong card numbers. 

it is an identity problem that they ever issued the card. It should be marked paid for that reason.
Product: Credit card or prepaid card

I made a purchase online XX/XX/XXXX in the amount of {$530.00} from XXXX and use the online credit account supplied by Affirm. After completing my purchase I received a credit line from Affirm. I then proceeded to wait for my order which never arrived within 30 days. After contacting the distributor I learned that XXXX never place the order. XXXX had received payment in full from Affirm for the total amount of {$530.00}. I had begun paying the loan and made 2 total payments of {$300.00} towards the amount borrowed. After learning the product was never ordered I canceled the order XX/XX/2022. I received confirmation that the order was canceled and the money was refunded from XXXX in the total amount. Affirm never credited the account for the return amount. After contacting affirm multiple times Affirm sent email saying it was 60 days past the date of purchase and that they can not help me with the refund credit to the account. I have shown proof to affirm of the cancellation and refund from XXXX. The Affirm has stated they had not received any money refunded from XXXX and that I'm still financially responsible to make payments.