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

I wrote three credit bureaus, XXXX, XXXX  and TransUnion. I sent my disputes certified mail. None of these companies have responded.
Product: Debt collection

Source Receivables Amount : {$400.00} This account has been paid to the original creditor. The collection agency above has now reopened the account and named themselves the original creditor. XXXX XXXX has noted that the account has been closed then reopened and have advised me to dispute. This makes the reported information untrue
Product: Checking or savings account

In 2018 after banking with Wells Fargo for a few years I was going through my transactions and saw many of them that were not me. After disputing them I received some of it back not all of it though they closed my account for security reasons.
Product: Checking or savings account

Over 3.5 hours on the phone will Chase bank, had agent pick up only to place back on hold for a another hour. Spent 55 minutes with XXXX. When I asked to file a complaint she advised me to go to my local branch to file the complaint it was closed. Contrary to the information I was provided. I then asked to be transferred and the call dropped while out front of local branch. There was no attempt at call back to resolve the issues. 

I also went to corporate office in XXXX Delaware again, closed. This back is operating with no over site. It has been fined over 44 billion dollars! Yet some how they are allowed to stay in business. Enough is enough. The American taxpayers should not be on the hook for an unscrupulous bank.
Product: Checking or savings account

I was charged tons of overdraft charges when it seems I had money in the account I would notice a new charge of insufficient which continues to keep me in a financial debt! I was in the hospital for a month they hit me with so many fees I would complain they would do nothing in regards! Its not fair to lose financially to the bank you trust I have a family I can barely provide for because the bank fees are robbing me of life! They cant be correct thats lots of money I lose that I lost my car and my lights were disconnected several times due to oops protection
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. 

I would like all of my unauthorized Inquiries, my derogatory remarks, late payments, public records, closed accounts, and student loan accounts removed. Many of these accounts fall under the statute of limitations or are misreporting on my credit report.
Product: Credit card

I currently have an Amazon Store Card issued by Synchrony. My problem first originated over a month ago by Amazon on XX/XX/XXXX. I ordered a XXXX XXXX using the Amazon Store Card which was shipped but never delivered to me by their in house delivery company. After reaching out to Amazon Customer Service a few days after the expected delivery date, I was told they have to wait 30 days from date of purchase before they can issue a refund. I did unfortunately made the mistake of ordering another XXXX XXXX in hopes to replace the item that never arrived. The second XXXX XXXX did arrive and I held on to it unopened as I waited for resolution of the lost unit. After a few weeks of going back and forth with Amazon regarding the lost product, I decided I didn't want to keep the second XXXX as their customer service left an awful experience for me. The second laptop was returned and I received my refund posted to the XXXX XXXX on XX/XX/XXXX. At which time, the Synchrony app updated the minimum payment due from the original {$630.00} down to some amount in the {$400.00} range. I was relieved to see they would adjust the minimum payment due as a large refund took place. 

On XX/XX/XXXX, a full month after my original purchase, I contacted Amazon again asking for my refund. At which time, the customer service agent assured me I will get my refund, which again never came. I reached out 5 days later on XX/XX/XXXX and again a customer service agent assured me I would get a refund. However due to my previous experience, I requested to speak to a supervisor to get my refund. The supervisor was able to issue my refund during our conversation with no further issues from Amazon themselves. After the second large refund posted to my account, the Synchrony app again updated the minimum payment due to {$210.00}. A couple days later on XXXX XXXX, I manually paid the {$210.00} minimum payment through the Synchrony Mobile App. I thought my ordeal was done with this saga.

However two days later on XX/XX/XXXX, Synchrony debited my bank account for the {$410.00} difference from my manual payment to the original minimum payment. When I called Synchrony customer service, why their App was showing an updated minimum payment while they billed my bank account for the previous minimum. The agent said, something in the tune of " you should not trust the app, and only check your account information on the website ''. The customer service agent consulted with others on her team and said they can not return the extra payment since the minimum payment hasn't changed. 

The app I've using the entire time was the Synchrony App, not Amazon app for clarification. If their own app was showing an updated minimum balance from large refunds it would be natural to believe that Synchrony was updating the minimum due in their systems. It is extremely deceiving to have their own company app show a decreasing minimum due from large refunds if such changes were not occurring in reality.
Product: Credit card or prepaid card

On XX/XX/XXXX, Discover Card authorized a balance transfer payment from my credit card account to my Checking account with XXXX card. As of XX/XX/XXXX, the funds hadn't arrived at my XXXX account. 

I messaged them ( their main customer service number is selling products to people and hanging up if you don't buy ) many times and explained that this situation was artificially negatively impacting my XXXX XXXX. They asked me to submit a form stating both the routing number and the account number of my XXXX account. I did, then waited. Nothing happened. I have since then been trying o reach them in every way I can, and besides dropping chat conversations, and selling products to customers calling about pressing card issues and then hanging up on them, I have had no answers, no recourse, no one to even talk to. 

They say it will take them 30 days to investigate this dispute. It is a simple matter of adding my routing number to my balance transfer request and processing the payment. I have already been charged for ( my Discover account is now {$11000.00} higher ) which has ground my XXXX XXXX down to poor from good. But they will not help me, or even get me a real person to talk to me. 

I will be unable to process my home refinance due to a damaged XXXX XXXX while rates are still reasonable because of Discover card 's negligence and mistreatment of customers like me.
Product: Credit reporting or other personal consumer reports

Follow-Up Dispute Verification - Failure to Comply with FCRA and this is the proof than show the violation Totally all law written to FCRA Section 611, FCDRA AND TILA, DELETE INMEDIATLY THE FOLLOWING ACCOUNT : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX ) I am writing to formally THIS COMPLAINT the accuracy of information PERSIST IN THE ACCOUNT AND THE bureau has verified on my credit report regarding the following account : XXXX XXXX XXXX XXXX Account Number : XXXX ) While I appreciate your response indicating that the information has been verified, I believe there are still significant inaccuracies that require further investigation. 
Specifically, In reviewing the information provided, there are inconsistencies among the three credit bureaus regarding the reported balance, date of last activity, closed date, payment status and last payment. Furthermore, there are discrepancies in the reported payment history, which inaccurately reflects my payment behavior. 
incorrect balance, wrong account status, or erroneous payment history ].

Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 16811 ( 7 ) credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer & # 39 ; s dispute. Additionally, under the Truth in Lending Act ( TILA ), 15 USC 1601, it is imperative that all credit information provided is accurate and transparent to protect consumer rights As per the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccuracies in my credit report. I request that you conduct a more thorough investigation into this matter, particularly considering the following points : 1. Inconsistencies : There are discrepancies among the three credit bureaus regarding this account.

2. Verification Issues : According to Section 609 ( a ) ( 1 ) ( A ) of the FCRA, you are required to verify accounts through original documentation. I request that you provide the supporting documentation you relied upon to verify this account.

3. Consumer Rights : Under Section 611 of the FCRA, if you can not provide adequate documentation to support the validity of this account, you must remove it from my credit report.

4. Accuracy Compliance : Additionally, under 15 U.S. Code 1681e ( b ), you are required to follow reasonable procedures to ensure maximum possible accuracy of the information in my credit report. If the information can not be verified, per 15 U.S. Code 1681i ( a ) ( 5 ), I request that you delete any unverifiable information. 

I believe 100 % AND THE PROOF IS ATTTACH TO THIS COMPLAINT THAN the bureau has failed to comply with the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) in their investigation process.
Product: Debt collection

This collection account showed up on my credit report and it does not belong to me. I tried to let them know that it wasn't mine and that it needed to be removed but they ignored my requests.
Product: Debt collection

Recently my wife XXXX and I tried to obtain a new car loan. A collection appeared from Portfolio Recovery Associates that was purchased from XXXX XXXX. The account shows a XX/XX/2017 transfer date. The account is being intentionally re-aged by Portfolio Recovery Associates, even though the timeline for collection is already passed, and XXXX XXXX did not get permission from our bankruptcy trustee to sell the debt. The debt must be transferred back to XXXX XXXX, no exceptions. The account is fraudulent and can not be rectified as XXXX XXXX has already purged our files. This account is in violation of all existing protections under the U.S. Bankruptcy Code as well as the Fair Debt Collection Practices Act. This collection must be deleted permanently!!! 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account, 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.
Product: Debt collection

Dobberdtein Law Firm won a judgement and there was a garnishment stipulation put in place. My debt has been paid in full and I had the proof that indicates that I in fact am due a refund for overpayment of {$62.00}. I presented them which payment check stubs that show the amounts paid per said stipulation and I sent the original document indicating what I owed. Its simple mathematics subtract whats owed from what was paid. Dobberstein is still saying that I have a balance owed, but has not showed any documentation to confirm their position. Neither have they provided any proof to dispute my position. It took me 2 emails and almost 2 weeks later to even get a response and the response is vague and not believable. I feel that they are unjustly targeting and bullying me as per I am a minority and a older woman.
Product: Debt collection

After reviewing my credit profile XXXX, I identified a discrepancy with the account listed under The Receivable Managment and requested validation as this was an account I did not recognize. Its been over a month and I still have not recieved any correspondence from the creditor validation that the account belongs to me. I reviewed my credit report again XXXX and the account is still reflected on my account. I sent a second letter of debt validation and have yet to receive any debt validation. I do not believe this account belongs to me, nor do I believe that the creditor has the authorization to access this account or authorization to attempt to collect on this account. this account continues to negatively affect my credit profile. Please remove this account from all three credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus stated my account was properly investigation but how is that possible the name of the credit collection company isnt accurate, the name of the original creditor is not accurate, the account status is not accurate, the status updated isnt accurate, as well as the date of the balance update is not accurate. At the bottom it clearly states I already disputed this item to no avail. This is very disheartening knowing the credit reporting companies dont accurately investigate disputes. This ground for removal they also violated my rights under 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: Mortgage

On XX/XX/XXXX our mortgage was transferred from XXXX XXXX to NewRez/Shellpoint Mortgage Servicing. Our condo is part of a new condo conversion. There are 3 units. Our mortgage is for unit 2 and we own 34.4 % of the building. The town of XXXX has not re-accessed the property as 3 units yet, therefore they issue one tax bill for the building. The town of  XXXX issued formal instructions advising mortgage companies on how to pay taxes until the town is able to reassess ( percentage ownership x total tax bill ), see attached document. 

NewRez/Shellpoint Mortgage Servicing refuses to pay our taxes because there is only 1 tax bill. However, they continue to take money for taxes and keep it in our escrow account. As of today they are have not paid the last quarters taxes which were due on XXXX XXXX XXXX. The next tax bill is due XX/XX/XXXX. We are at risk of being 2 quarters behind on tax payments because NewRez/Shellpoint Mortgage Servicing will not pay the taxes or release our escrow money to us. 

Further, NewRez/Shellpoint is unorganized and does not have proper systems in place. For example, each quarter we have to call and remind them that taxes are due. And they tell us that they don't have a record of taxes being due. Despite reminding them, they refuse to pay because of the issue mentioned above.

We have spent over 40 hours on the phone with NewRez/Shellpoint Mortgage Servicing trying to solve the issue. Every time we speak, they relay inaccurate information to us and are unable to resolve the issue. They have lied to us about efforts they have taken and quite frankly are incompetent to solve this problem. We then reached out to our investor XXXX XXXX  who has been investigating this for a month, however we are still unable to getNewRez/Shellpoint Mortgage Servicing to pay the taxes. We have exhausted our efforts to resolve this and require outside help.
Product: Debt collection

this account is charged off per 15 USC 1681. A certificate of indebtedness is reported income and income can not be reported on my credit report. the amount reported. this company claims i owe them XXXX dated XX/XX/2024 per FCRA as a federally protected consumer I am opting out of any and all authorizations per 15USC 1681
Product: Debt collection

Dear JEFFERSON CAPITAL SYSTEMS XXXX XXXX XXXX  I am disputing the alleged debt reported by your company. This account is fraudulent, as I have no prior relationship or contract with either the original creditor or your company. 
This reporting violates the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). To verify the validity of this claim, I request the following documentation : 1. Proof of authorization to collect under 15 U.S.C. 1692e and 1692f.

2. Legal basis for attempting to collect, including applicable statutes.

3. Proof of authorization to operate in my state.

4. Evidence of the alleged debt, including any contract or agreement bearing my signature.

5. Full account history, including charges, fees, and payments.

Under FDCPA 1692g ( b ), you must provide this validation within 30 days. Failure to do so will result in the account being considered invalid. Non-compliance with FDCPA 1692d, 1692e, and 1692f will be construed as unlawful conduct. 
Moreover, under the doctrine of estoppel by silence ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as I have not acknowledged any debt, I will presume no debt exists if no evidence is provided within 30 days. 
I demand the immediate removal of this account from my credit report if you fail to provide the requested documents. I will escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the state Attorney General if necessary. 
Thank you for your prompt attention to this matter. I look forward to your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  ACCOUNT # XXXX, has violated my rights.

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

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

I provided my insurance information numerous times, the companyninformed me that the issue was resoled yet I'm still seeing this debt as unresolved on my credit. Also they have entered XXXX as the amount due which is inaccurate.
Product: Credit reporting or other personal consumer reports

I sent the credit bureau a letter and identity theft report to investigate and block information from my report due to fraudulent activity. As of yet, I have still not heard back from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I sent out another letter via registered mail with the U.S. Postal Service on that date regarding inaccurate accounts on my credit report. It wasn't until XXXX, which was way beyond 30 days, that I finally got a response and was blandly told that these account have been verified, however, I was not provided with any of the five ( 5 ) required exhibits to constitute validation. Without that how am I suppose to complete my own due diligence. 

This is a violation of : 15 U.S. Code 1692g ( a ) ( 1 ) 15 U.S. Code 1692g ( a ) ( 2 ) 15 U.S. Code 1692g ( a ) ( 3 ) 15 U.S. Code 1692g ( a ) ( 4 ) 15 U.S. Code 1692g ( a ) ( 5 ).

My rights have been violated! FCRA 15 U.S.C. 1681i ( a ), it plainly states that failure to investigate these items within 30 days gives a reason to immediately remove the items from my credit report. There has been more than enough time to fix these issues so they should be deleted promptly. I demand not only these accounts be deleted immediately and expeditiously or I will file for litigation due to the stress and damage this has caused me but I also demand monitory relief for these individual acts that violate my rights as a consumer. I have a right to privacy and their non compliance with authority and negligence of reason has caused me too much damage. My information was also impacted by the Equifax data breach and may have got into the wrong hands.
Product: Debt collection

On   XXXX   XXXX   XXXX     a letter was sent to  Cach LLC  to validate the debt in question.   Their letter dated   XXXX   XXXX  , solely provided me with a letter and no written verification of the debt with my signature.   I am requesting that a written validation with my signature be provided or that this negative report be deleted from my credit report.   Thank you in advance for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings in reviewing my credit file I noticed three auto financing companies that I did not give permission to pull my credit. ( see below companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I contacted XXXX credit bureau on XX/XX/2022 ( fraud dept ) was informed to contact the finance company directly. Upon contacting American Credit Accept, I was informed they are unable to help me with the dispute since I am not their customer. In addition, I was told dealerships will sometimes fish the application for financing to multiple companies. I do not see this as fair, if I did not give each of the above companies direct authorization for a hard inquirer. 

To make things equitable in these scenarios with car dealerships, can the CFPB require an additional form to be signed by consumer giving authorization to conduct this practice. 

Can the above inquirers be deleted from my credit file it is extremely affecting my credit score? 

I greatly appreciate your assistance with this matter. 

XXXX XXXX XXXX-
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX sent these two letters in an attempt to verify two charge offs on my CR. These are not my accounts and I DID NOT REQUEST A FRAUD INVESTIGATION FROM XXXXXXXX XXXX. ( See attachments ). XXXXXXXX XXXX on this website stated they were not contacting me on my issue anymore however they are sending letters implying that Im requesting a fraud inquiry. I have Not contacted XXXX XXXX since XXXX by certified letter requesting removal of the charge offs. Since that time XXXX XXXX has performed unrequested inquires and fraud investigations without my approval attempting to verify a debt thats not mine. The 3 CRAs are simply parroting inaccurate unverified information from chase bank. Now I feel like Im being harassed by XXXXXXXX XXXX who will not comply with the guidelines of the FCRA in reference to inaccurate unverified information placed on consumers CRs.
Product: Mortgage

I been unemployment since XXXX I ask shellpoint morgage to please put the amount past due to the end of the loan they replied they can only put 3monts and that I need to pay at least {$5000.00} that I dont have and still my payment is going to be {$2000.00} a month please help me my mom is a senior citizen on {$550.00} a month I'm still unemployed now to make it worse my unemployment beneftscare on hold since mid XXXX please help ous.
Product: Checking or savings account

XXXX bank closed my account without notice and my direct deposit was not received as a result. The company refused to tell me when my funds will be rejected so my company can pay me.