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

I XXXX XXXX is writing you to inform you that you are in violation of the 15 U.S.C. 1681a ( d ) ( XXXX ) ( B ) any authorization or approval of specific extension of. Credit directly or indirectly by the issuer of a credit card or similar device. The definition of a credit card in 15 U.S.C 1602 ( I ) the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. I want to block and remove these accounts pursuant to 15 U.S.C 1681c-2. It should not be declined, this information is not being blocked in error by me the consumer, or on the basis of a material misrepresentation of fact by the consumer relevant to the request to block, or the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions and I didnt receive any goods. You are in violation of 15 U.S.C.1681n ( a ). any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please correct this immediately : XXXX XXXX XXXX XXXX CHILDSUPPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX claims I missed a lease payment but that is incorrect. The last lease was due on XX/XX/2022. I made the payment on time and then returned the truck on XX/XX/XXXX, on time. Turned over the keys at that time. I have record from my bank showing this payment. My credit report shows that payment.
Product: Credit reporting or other personal consumer reports

I submitted the disputes on XX/XX/XXXX and I still have no reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. 
Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The 3 Credit Bureaus have failed to comply with air Credit Reporting Act, 15 USC Section 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditors, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if the bureaus are investigated properly before posting derogatory information. REMOVE THIS ACCOUNTS ACCOUNT COMPLETELY FROM MY CREDIOT REPORT. 
Inaccurate Address : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX, XXXX XXXX XXXX XXXXXXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX Account : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2100.00} ; Inquiries : XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX
Product: Credit card or prepaid card

On XX/XX/2023, Bank of America, XXXX XXXX XXXX, XXXX XXXX TX XXXX processed a credit inquiry against my Social Security Number for a credit card application. The address added to my Experian account due to this inquiry was : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NY XXXX. 

My addresses listed on my credit report are in XXXX and XXXX. Ive never been to or lived in New York. Bank of America failed to properly research the credit card application. I have a savings account with my wife with Bank of America. My Social Security XXXX was in their system at the time they processed the credit card application. They should have seen the differences in addresses and questioned/stopped the application. The New York address was not on my credit report at the XXXXime of Bank of Americas inquiry. 

Ive tried for 5 days to get some kind of contact/answers from Bank of America XXXX Every time I call, I get shuttled around between departments and never get any resolution. Most times, the call is terminated before I even get to speak to the next person. 

I have had to freeze my credit on all 3 credit bureaus and have issued fraud alerts with each bureau. Ive done the same with my wifes credit. Ive filed a report on Identifytheft.gov.
Product: Checking or savings account

Recently I have been informed by Wells Fargo by letter that Wells Fargo has taken advantage of me by collecting money for an account ( Accident and Death ) that I never authorized from XXXX - XXXX. I opened my first account ( mortgage ) during XX/XX/XXXX while I was on XXXX XXXX. 

When the Veterans Affairs helped me purchase my home I was banking with XXXX. My XXXX account with direct deposit was used to pay my Wells Fargo Mortgage, my XXXX Homeowners Insurance, and Property Taxes. 

I later opened a regular Wells Fargo checking account and a 2nd with direct deposit to pay my Mortgage and Bills directly. In XXXX I was medically retired after serving 15 years and having a number of health issues preventing me from serving on XXXX XXXX. 

I am unsure of when Wells Fargo had the opportunity to violate my Consumer Rights as a Service Member, as Resident of Texas, and now as Homeowner. 

I am unaware of when Wells Fargo had the opportunity to technically " steal '' money from any of my accounts for a fraudulent account that didn't serve me or my children in any way shape or form. 

Now I have so many questions : How will I ever know that Wells Fargo is being 100 % honest with me now? How will I ever know that Wells Fargo won't retaliate against me for filing this report? How will I ever know if they decide to go up on my interest rate or my Mortgage that Wells Fargo isn't doing so maliciously or nefariously because I am taking the time to file this report with the FTC and the State of Texas? 

Did Wells Fargo take advantage of me during my time of vulnerability or during the height of my medical issues? I love my home and I love the area I live in and I don't want to find out later on that my hard earned money ( XXXXXXXX XXXX XXXXXXXX XXXX and XXXX XXXX ) went to feed someone else 's family or to benefit someone's greed. I want to see every report generated by Wells Fargo for this investigation. I also want to know if the FTC, CFPB, or the FBI was contacted or made aware of this breach and what other agencies do I need to contact to defend my family against Wells Fargo? 

Furthermore, I am ashamed and embarrassed for not being aware of this breach of my privacy. I try my best to protect my PII and I try to read through all of my banking statements for errors or for anything suspicious but somehow I missed this type of breach.
Product: Debt collection

Although I do not believe this to be my debt, I called the debt collector ( Pollack and Rosen) and they agreed to settle fort an amount of XXXX as paid in full. However, they refused to give me a satisfaction of judgement letter I need to secure a HELOC loan for much needed repairs to my home. Even though they accepted  a settlement of XXXX as paid in full they told me I had to give them over XXXX before they would give me the satisfaction of judgement letter.
Product: Debt collection

CRA VIOLATION / NO KNOWLEDGE OF THE FRAUDULENT ACCOUNT DUE TO ID THEFT APPEARED ON MY TRANSUNION CREDIT REPORT. FTC ID THEFT # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The 3 Credit Reporting Agencies have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. 3 credit bureaus have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 

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 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: Payday loan

I applayed for Loan on internet the amount I applied was {$770.00} with My LoanSite.com phone # XXXX Lender XXXX XXXX XXXX SD XXXX At the time agreement and disclosure was not visible. I was not informed about APR that will be XXXX % and finance charge will cost me {$3800.00} and total amount I will pay after I have made all payment as scheduled will be $ XXXX feel that I am victim and this Loan company taken advantage of my needs by exposing me to procentige rate that is astronomicaly high.In my opinionthis practice used by the lender is unfair.I never receive any paperwork with details of the loan, no any email explaine the loan, no any phone contact. I believe that I am victim and loan company take advantage of my needs.The loan company widraw from my account every Friday {$230.00}. XX/XX/2017 my balance is {$1000.00} this amount I am paid them.I have no doubt that this Lender violated a FCP law or regulation. The Lender never explaine agreement, never contact me by email, by phone by mail I never review the agreement my family member found on internet information about this lender. I contact XX/XX/2017 by phone and spoke with representative XXXX. I request to speak with supervisor or XXXX she promise that supervisor will call me and I will have shance to resolve the problem with the loan. However untill now no any contact at this time. Amount given to me direcly is XXXX {$770.00} I am paid {$1000.00} ... but I am not agree to pay them {$4600.00} I need help and asistance and I am requestung this loan to be closed imediately, hope so that some XXXX will be loked into my problem and here will be solution and this loan company need to provide on time information about the loan, rate , %, term by mail, by email or by fax.
Product: Student loan

My Navient account was put in forbearance for less than two weeks which has caused my payments to increase. This resulted because Navient refunded my monthly payment due it being " sent to the wrong address. '' A Navient customer service agent offered to put my account on hold while the matter was sorted, but I wasn't told capitalized interest would increase my monthly payment. If I had been told this, I would never have agreed to it. I've attempted to solve this issue, but I've been told there's nothing that can be done.
Product: Credit reporting, credit repair services, or other personal consumer reports

If this is not removed from my credit I will be suing them for violation of the XXXX. I have never done business with midwest recovery for XXXX flags and never received any notices. They have put a collection on all XXXX of my credit bureus. I request this to be removed immediately.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Under NAMES Experian has listed on their consumer report about me that I have 14 names. The 14 names are displayed with name ID numbers. The description for this section of the report indicates there are three different sources for the listings of the names.

each of which may report your personal information differently. This is why there may be variations of your name address, Social Security Number, etc.

My personal legal names in my lifetime are listed below. 
XXXX XXXX by XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX. 
XXXX XXXX by legal name change by court order in XXXX XXXX and approved by the XXXXXXXX XXXX XXXX XXXX. 
XXXX XXXX by marriage to XXXX XXXX XXXX in XXXX XXXX, NY. 
XXXX XXXX by XXXX XXXX XXXX XXXX XXXX Supreme Court from XXXX XXXX XXXX with permission by the court to use maiden name. 
XXXX XXXX by XXXX to XXXX XXXX XXXX XXXX XXXX TXXXX XXXX XXXX  NY which is current. Does Experian dispute this? 
Experian has also reported on page 6 on their consumer report about me that SPOUSE OR CO-APPLICANT is XXXX? Why is Experian using information from my former marriage of which I have been divorced since XXXX on the current credit report? 
Under ADDRESSES Why do the addresses have XXXX Codes and Address Ids? What is the purpose for the use of these codes? 
Under SOCIAL SECURITY NUMBER VARIATIONS Experian as listed None How would I know if EXPERIAN is using my correct social security number in their Consumer Report about me? There is no numeric indication on this report displayed to me such as last XXXX of the Social Security number which is typical on such document. Why is that omitted from this report? 
Under FORMER OR CURRENT EMPLOYERS Experian reports that I am self-employed and retired. My former employment history is completely missing from this report. I have paid Social Security and XXXX income tax out of my paychecks from my employers since XXXX. Why is this information omitted from XXXX XXXX report about me?
Product: Credit reporting or other personal consumer reports

XXXX 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 XXXX, 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 XXXX has neither corrected nor removed disputed items disputed the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX inactions violate federal law and my rights as a consumer.
Product: Credit reporting 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 an account without my written instructions.
Product: Debt collection

DEBT REC SOL is claiming that I owe them {$80.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
Product: Checking or savings account

On XXXX an amount of {$6100.00} was deposited, posted and made available to my account. I contacted customer service through Chase Online Banking 24 hour help service. I explained the deposit slip account number did not match mine and the bank deposited it to my account in error. I was then told to contact another service department at XXXX eastern standard time. I contacted the service branch and they proceeded to tell me this was only able to be handled through a branch because the check was made deposited by a branch. Both women who helped had similar accents and the check deposited is also to a foreign sounding company from a three letter company. The check image is grainy and appears to be blotched and none credible- no signature, make payable to the account name ( I am not a business or hold a business account ), the date on check is the XX/XX/2022, the written amount does not match the numerical amount ; the deposit slip also is incomplete, being there is no check in the box next to the type of account. This feels like a loop scam to keep the funds from being transferred out of my account and into the proper account that is a digit off from mine. I will be proceeding into a branch when one opens in about 3 hours.
Product: Debt collection

I have receive a letter from Cedars Business Services debt collector on XX/XX/2023. It was about the debt that does not belong to me. Please verify this account thoroughly to address my issue. Again, this debt is not mine. If there were any fraud activities involved please investigate to resolve this issue in timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Capital One as I had done previously on XX/XX/XXXX, and then again sometime later in XXXX to enroll both my accounts in the covid relief program. I had done so previously in XXXX, and was told my account would not be reported further past due than it was at that time ( which was 17 days past due ). When I called on XX/XX/XXXX the representative advised me that BOTH my payments for both my accounts would be reset to XXXX  and due in XXXX. I received an alert in late XXXX that my account ending in XXXX had been reported 30 days past due by capital one ( {$180.00} ). I called them to ask why, since I was enrolled in the covid relief program, and was told I would not be reported any further past due then I was initially was ( which was not 30 days ). The representative transferred me a to a supervisor who didn't understand what was going on. The supervisor said she would submit a 'contact ' to the backoffice and have them go back and listen to the call to see what was said. They said it would take 10-20 days for a resolution. I called back again to see if there were any other payment programs available, since my husband is still out of work and receiving unemployment and the {$600.00} extra benefit will likely end soon, which would leave us unable to pay our mortgage. I was told there are no more covid relief or any other hardship assistance capital one could offer for either of my accounts. I was able to make a payment for my account ending in XXXX since the minimum payment is much smaller. Today I received a call from XXXX client ID ( XXXX ) who told me that Capital One made no error and the rep I spoke to initially enrolled my account for XXXX and not for XXXX. I explained to XXXX if she would listen to the call the representative clearly advised that XXXX 's payment would both be reset to XXXX. XXXX declined and advised there was nothing she could do to help me, and told me I had to pay {$790.00} by XX/XX/XXXX and since they had no financial assistance programs there was nothing else she could do, and asked if there was anything else she could do to help me. Meanwhile, Capital one still advertises on their website that if you're having trouble making payments they have 'help ' available. They have not kept their word by not honoring the terms of the initial covid relief, and reported both my accounts negatively to the credit bureaus. Unlike my other creditors, capital one doesn't send you any documentation when they've enrolled you in a covid program., but I have a attached the screenshoot when I log into my account where they advertise they are here to help, but are really not.
Product: Debt collection

Bill I can not pay in full for the hospital. Harris and Harris collections keeps calling my parents house after I told them not to and ONLY communicate by mail.
Product: Debt collection

I am writing to formally file a complaint against XXXX XXXX for their continued attempts to collect a debt that was included in my bankruptcy filing and for their inaccurate reporting of this debt to the credit bureaus. Despite being informed that I have filed for bankruptcy, they have refused to update their records and continue to report the debt as outstanding. 

I previously notified XXXX XXXX that the debt in question was discharged through my bankruptcy proceedings. However, they have failed to acknowledge this and have continued to report the debt as still owed to the major credit bureaus. I have disputed this matter with them directly, but they have refused to remove the inaccurate information from my credit report. Their actions are causing ongoing harm to my credit profile and financial well-being. 

I respectfully request the Consumer Financial Protection Bureaus assistance in investigating this matter and ensuring that XXXX XXXX complies with federal laws, including the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).
Product: Debt collection

A validation letter was sent to Chase in regards to alleged debt. In that letter i, the consumer, was requesting validation of this debt which is provided as exhibit A. The response i received from chase to validate alleged debt was a copy of billing statements which is provided as Exhibit B. 15 USC 1692g states ( a ) Notice of debt ; contents Within XXXX days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within XXXX days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 

The billing statement that was provided contained 15 usc 1692g ( 1 ) and 15 USC 1692g ( 2 ) but did not contain any of the other requirements that need to be provided to validate a debt. They are in violation of 15 USC 1692g ( 3 ), 15 USC 1692g ( 4 ) and 15 USC 1692g ( 5 ). 

In exhibit B, the billing statement show that Chase is currently in violation of 15 usc 1692e ( 2 ) ( a ) which states A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt ; After reviewing the billing statements you can see the balance is a positive balance. If there is a debt owed the account should show as a negative balance as a consumer can not pay on a positive balance. This is a false representation of the amount of alleged debt and chase is currently in violation. 

Due to the amount of violations and inability to validate the alleged debt i demand that account balance be XXXX 'd out, removed from all credit reporting agencies and attached invoice paid