23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2018 I reviewed my credit reports and found that there was an account reporting inaccurate information in my credit files. This account is reporting as a charged off account with a balance of {$500.00}. I wrote a letter and mailed it certified delivery to Capio Partners LLC and requested full validation pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. My request for validation including competent evidence bearing my signature and instrument used to secure a contractual agreement where I am obligated to pay you. I made it clear in my letter that the negative marks found on my credit report from the ( 3 ) reporting bureaus from their company or any other company that they represent for this debt that I do not owe is a violation of the FCRA and FDCPA and I request that if this debt can not not be validated you must take steps to have all reporting bureaus delete this entry. 

It is now over the 30 day time frame since the mailing of my request to Capio Partners LLC on XX/XX/2018. This company is in violation, they are out of compliance. Under advise, I wish to informed Capio Partners LLC that I am prepared to take steps and file a small claim in my county small claims court. I would like to make this one last good faith effort and ask for the assistance of the CFPB in obtaining one of two things : 1. that this company provide me with full debt validation as per FCRA & FDCPA 2. deletion of this invalidated account from my credit reports
Product: Credit reporting or other personal consumer reports

This account called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX : XXXX Account XXXX XXXXXXXX should removed from my credit report. I'm not legally responsible for this account and I do not recognize this account. I called the credit bureaus the other day try to remove this account of my credit report. I'm going to upload my XXXX  ID card and Social Security card to try to verify my identity and prove that this account should be deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nj XXXX | DOB : XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof,
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit report and there is two collection accounts that doesn't belong to me. 
My ex husband filed a bankruptcy chapter XXXX on XX/XX/2016 and debt belongs to him and it was included in Bankruptcy. Case file number XXXX XXXX, Transunion and XXXX has sharing my information with collection companies and credit companies without my consent.. 
I never had a XXXX XXXX credit card owning {$590.00} and a collection of {$3900.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX acc reporting wrong info the open dates are wrong XXXX XXXX XXXX report says closed the other says paid date late one says XX/XX/XXXX the other says XX/XX/XXXX XXXX XXXX  Date open XX/XX/XXXX the other XX/XX/XXXX balance XXXX the other says XXXX past due XXXX the other XXXX last reported XX/XX/XXXX XX/XX/XXXX date last active XX/XX/XXXX the other XX/XX/XXXX XXXX XXXX Date open XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX the other say XXXX last reported XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX date last active XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX date of last payment XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX  Date open XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX last reported XX/XX/XXXX XX/XX/XXXX date last active XX/XX/XXXX XX/XX/XXXX Date of last payment XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, XXXX XXXX XXXX XXXX filed a case against me in the XXXX XXXX XXXX XXXX, seeking to recover an alleged debt. However, the case was dismissed without prejudice on XX/XX/year>, because they could not prove I owed the debt. Despite the dismissal, XXXX XXXX  continued to report this invalid debt to the major credit bureaus, negatively impacting my credit report. 

On XX/XX/year>, I sent XXXX XXXX a debt validation and cease communication letter under the Fair Debt Collection Practices Act ( FDCPA ), formally disputing the debt and requesting validation. I also requested that they stop reporting the debt to the credit bureaus until the matter was validated, as required by law. However, XXXX XXXX has failed to respond to my validation request, and the negative item remains on my credit reports. 

This inaccurate reporting has caused significant harm to my credit score and my ability to obtain credit for both personal and business purposes. I have been denied credit, and the negative mark continues to harm my financial reputation. I am requesting that XXXX XXXX :
Product: Credit reporting or other personal consumer reports

I am writing this letter in regards to the fraudulent inquiries on my credit report. These inquiries are all fraudulent and I need these list of inquiries removed from my credit report. Here are the inquiries listed below. I have also attached a FTC report as requested. 

Credit Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was told my credit WOULD NOT BE RAN AND IT WAS, WHICH IS A LIE. I want to file a complaint because it was a hard inquiry and it said no impact to your credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and i havent recieved any investigation results.
Product: Checking or savings account

Someone fraudulently opened a XXXX XXXX account in my company name with my personal name attached it to. I did not open the account and I have told Wells Fargo Bank that on numerous dates. They are continually contacting me by mail and phone in a attempt to collect funds that I do not owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Collection Agency XXXX XXXX, Original Creditor XXXX XXXX XXXX, along with Equifax Information Services and XXXX are reporting erroneous and inaccurate information on my credit files. This account has already been deleted from XXXX as they were willing to do what was right in adhering to my rights as a consumer, but the collection agency and the above-mentioned credit bureaus have failed.
Product: Credit card

1.This is regarding case number on file # XXXX & XXXX. Bank of America sent XXXX letters dated XX/XX/2016 and I received today. Per my XXXX above complaint file number, as mentioned per Bank of America and at the same time in these XXXX letters, there was returned payment. I am requesting and demand that Bank of America sent proof from bank that there is returned payment for both amount to confirmed in writing by bank that such returned was on certain date to finalize. I am attaching these XXXX letters for your record that you can investigate Bank of America of such. These will be sent via fax to you at XXXX with a cover letter. 
2. Desired resolution is that Bank of America have to get it done as requested with written letter confirming the return payment from the bank with the letterhead showing as coming from that certainspecificbank. 
3.My information have all on file with above mentioned case number. 
4.This is regarding Bank of America fraudulent adding, deleting, removing, closing account, changing numbers of balance of credit card account. 
5.I want the public to know that this is going on with the banking system within Bank of America XXXX corporate office do not answer calls and customer service calls roam around the world!!! ... minimize call center at least to where the corporate office is so that callers can be confident that it is not coming from fraudulent group of people in operation against the public and that there will be given address and phone numbers online or on the statement.
Product: Money transfer, virtual currency, or money service

I am filing this complaint against Cash App ( Block, inc. ) due to inadequate customer service and unfair business practices, which violate the Consumer Financial Protection Agency ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not 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: Checking or savings account

On XX/XX/2023 my close friend XXXX XXXX received his IRS refund check in the amount of {$24000.00} VIA check which was issued from XXXX XXXX. XXXX XXXX signed his check over to me and I deposited his check into my Chase Checking Account. After depositing this check that was received from XXXX XXXX XXXX XXXX XXXX, Chase bank then closed my account. I immediately contacted Chase bank to get an understanding of what caused my Checking account to be closed, a Chase Bank representative stated that XXXX XXXX contacted Chase Fraud Department and allegedly confirmed that the check issued from your bank ( XXXX ), that was deposited into my account was fraud. Since XX/XX/2023 I have spoken with 3 different representatives from XXXX XXXX in which each representative stated that no one from XXXX XXXX has never contacted Chase, Nor has no one from XXXX XXXX made statements or allegations that the check received from XXXX XXXX  was Fraud. XXXX XXXX is insisting that everything looks good on their end and that the dispute is with chase and that they dont understand why chase is holding my money. To furthermore add XXXX XXXX has contacted the IRS and they have also stated everything is good on their end and that they dont understand why chase is holding my money. I have tried to contact chase multiple times and have been getting the run around throughout this whole ordeal and each time I talk to a representative its a different reason why my money is being held.
Product: Mortgage

Servicer received payment of {$1700.00} on XXXX. Check was deposited the same day. Servicer has yet to apply payment to account via conversation with customer service and online account. Borrower is concerned that servicer will still report payment as over 30 days late and will ultimately hurt borrowers credit score even though payment was made within 30 days.
Product: Debt collection

This company is violating my rights they have not provided validation information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently. I have made attempt previously to fix these issues directly with them. They are violating my rights and I am entitled to {$1000.00} for every violation that is listed, they would either have to pay me or delete this account ASAP.
Product: Vehicle loan or lease

On XXXX XXXX I mailed United auto acceptance a cease and desist, affidavit of response and notifide bill of particulars and they received them on XXXX XXXX according to tracking number XXXX. I demanded United auto acceptance to clear out my debt to XXXX dollars to the XXXX, and XXXX my down payment of {$5000.00}. I gave them XXXX days to respond to my cease and desist and to pay in full and have not received a response.
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX XXXX and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXXXXXX 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: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

UNAUTHORIZED INQUIRIES : XXXX XXXX  XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX/17 : Today I have tried repeatedly to access the equifax special site " XXXX '' to find out if my accounts are at risk due to the recent hacking incident as reported in the press. I fill out their form, including the 'test ' that I am not a robot, and receive green checkmarks next to each of the answers. The minute I press the continue button, it immediately goes back to the 'robot ' test. This has happened repeatedly-maybe twenty or thirty times. When you call their " help '' line, they question whether I have imputed the information correctly, when they ascertain that I have ( as evidenced by the three green check marks-after all it 's pretty hard not to know your last name etc. as evidenced by the three green check marks- they immediately say there is nothing further they can do. They suggest that maybe there is something wrong with the website, but have no information about that. One man gave me an e-mail address to contact. When I tried that, I received the message that there was no server at that address! 
As a consumer, my credit, has apparently been compromised by equifax 's lack of adequate security or lack of internal controls. They have mounted an elaborate PR campaign to say they are addressing this issue. Apparently it is exactly that : An elaborate PR campaign - with no actual help. In the absence of their help what an I to do?
Product: Credit reporting or other personal consumer reports

I checked my credit report and its shwoing unauthorized inquiries on my consumer report. These unauthorized inquiries were from XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. I did not authorize these inquiries and they need to be removed immediately according to FCRA 18 USC 1028A.
Product: Debt collection

I monitor my credit regularly and this time I pulled my credit report and saw that First credit Services reporting that I owe a debt in the amount of $ XXXX.I disputed this with the credit bureau and it came back as 'Account Information disputed by consumer ; meets FCRA'.This is not my debt and I want it removed. I have never signed up nor have I ever stepped foot in a fitness center! This is not a debt of mine and I am demanding that it be removed immediately!
Product: Credit card

On or about XXXX XXXX, 2015, I was made aware that USAA FSB pulled my credit bureau on XXXX XXXX, 2015 for a credit card application that I was/am a non-spousal authorized user. Per FCRA, this is not allowed. I advised USAA of that on XXXX XXXX, 2015 and was advised to fill out an " official USAA consumer complaint form, '' which I did and submitted to them on XXXX XXXX, 2015. On XXXX XXXX ( late per statute ), I received a response that they would not investigate my complaint as it was " frivolous or irrelevant. '' I want the fraudulent inquiry removed from my credit bureau. Thank you ...
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, I ordered the transfer of XXXX XXXX Dollars from my account at Fifth Third Bank XXXX XXXX, Michigan to XXXX XXXX ( my husband ) in XXXX. His account is in the XXXX bank " XXXX XXXX XXXX XXXX  ''. The transfer never happened, and the money was not delivered to the XXXX  bank. 
I contacted Fifth Third Bank ( XXXX XXXX XXXX ) several times by email and phone, and she told me that the problem is in the XXXX agency " XXXX XXXX  '' but she can not solve the problem from her side ( copies of correspondences attached ). So far, no progress.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX  Balance Owed : {$710.00} XXXX XXXX Balance {$100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a request to Equifax to remove two unauthorized ( XXXX, XXXX  XXXX ) inquiries off of my credit report. They said they investigated and they were actual and I should contact the account holders, I submitted this to the other bureaus also, with the items being deleted. These were unauthorized without permissible purpose, and the bureau is held accountability for accurate items, how was their investigation now successful in a deletion, did they fully investigate? This bureau is a common name nowadays with consumer breaches and consumer files.I want these items removed or supply me with how they investigated and provide me the proper paperwork with my signature authorizing these accounts.
Product: Debt collection

I screen all my calls from unknown numbers and do a simple google search after the call has been missed. This is the second time XXXX XXXX/Navient has called before XXXX recently ( like within 3 months ) first was only XXXX minute before XXXX, but this time was about XXXX minutes before XXXX. There was no message left. This particular time caller id showed XXXX ( XXXX ) XXXX XXXX, IN.
Product: Credit reporting or other personal consumer reports

I have reached out to XXXX  XXXX  and as well and the 3 credit  reports and going back and forth for validation. I applied for XXXX XXXX  have yet to see it reporting on all 3 bureaus.
Product: Credit card

Every time I use my car, they lock my account. I have two jobs. Im a XXXX  in XXXX XXXX XXXX in a XXXX XXXX XXXX  as well. I dont have time to be upload my ID five times a day. They wont let me use my card. Ive already verified my XXXX multiple times and everything they asked and I still unlock my account or let me close it and two other account I had with him randomly got clothes in balance is paid off. They said it was fraud who would close my account and pay my credit card off my own checking account I just make sense. Definitely foul play
Product: Credit card

I signed up for the American Express Platinum card offer of XXXX points for {$3000.00} spend in the first three months. This application was submitted and approved on XXXX XXXX, 2016. The points became available in my account on XXXX XXXX, 2016. After being unable to use them, I was advised my account was under review and would take 6-8 weeks to process. After 8 weeks, on XXXX XXXX, 2016, I had American Express submit an escalation. On XXXX XXXX, 2016, I finally received a voicemail to call in. 

When I called in, I was told my points were removed for not fulfilling the terms in receiving the points. Originally, I was told, by representative XXXX, that even though I had over {$3000.00} in qualifying purchases it was because I had some non-qualifying purchases in there and it had to be the FIRST {$3000.00}. This is not consistent with the terms, so we escalated to a Manager, XXXX. The Manager informed me that they do not know the exact decision, but there are no ways to appeal or speak with someone regarding that decision. 

I believe that I satisfied the requirements with over {$3000.00} of qualifying purchases within the first 3 months. The points were unfairly removed from my account. 

Throughout this process, American Express never sent any communication to me to inform that my account was under review or what the status of this review was. I needed to call in to find out any details. Only once my final escalation was resolved did I receive a voicemail to ask me to call in. At this point, the decision was made. I was never afforded any opportunity to discuss my situation with American Express. Even if there was not enough of qualifying spend, the practice of awarding the points early and then creating a window of review that goes beyond the qualifying window is very deceptive. If points are later taken back, and extension should be granted to allow the customer to make up the difference.
Product: Consumer Loan

I took out an auto loan through Wells Fargo on XXXX XXXX XXXX, and on the same day a savings account was opened in my name. I did not open the account nor did I ever request that XXXX be opened. I found out about a week later that the account existed and when I asked why I was told that I needed to maintain it to pay the auto loan. At the time I was in the XXXX and stationed in XXXX XXXX, and I had little experience with auto loans. 

I maintained the additional account as best I could over the years, trying to meet the {$300.00} minimum balance. I do not know how often I was penalized, but I know it was a fair amount, all for an account that I neither needed nor wanted. 

I purchased a home in XXXX and the loan originator sold the mortgage to Wells Fargo. I was contacted by Wells Fargo in XXXX telling me that I had to buy insurance through them for the home. After much of my time spent arguing, I was able to deny the insurance and reported the incident to the XXXX. Never to hear anything out of it. 

I paid the auto loan off in XXXX, at which time Wells Fargo stated I needed to maintain the savings account to pay for the home loan, accruing even more fees for not being able to maintain the {$300.00} account minimum. I paid off the mortgage this year, XXXX, but the mortgage account still remains open for some odd reason. I was finally able to close the savings account once the loan was paid off, which means that I " had '' to maintain an account that was fraudulently opened for 10 years. 

I have names of the people from XXXX that opened the accounts, all account numbers and dates. Since this investigation has been made public I have yet to hear anything from Wells Fargo. I have just recently contacted them to see what they are going to do, and I am currently awaiting their reply.