23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Portfolio recovery associates is saying Im owing a debt which is associated with an address I dont live at. I have tax returns that date back to 2015 showing I live at a different address than the one associated with the alleged account. Not only that by law Im defined as an consumer and with that being said they are violating the FDCPA by reporting a debt that hasnt been verified. They were supposed to notify me of the alleged debt at my home address within 30 days of buying an account with my personal information in which I didnt give them which is identity theft, the alleged debt was bought years ago I didnt receive notification until this year. I will be sending them a consumer damage invoice for my inconvenience. This is my last attempt before my lawyer gets involved!
Product: Credit card or prepaid card

There was a promotion for my chase freedom unlimited card holders which is called my chase plan. Where for a single transaction it could pay installments. 

I set up this feature. And chase bank generated the statement on XX/XX/XXXX of which due date was XX/XX/XXXX. 
And XXXX setup a payment from XXXX on XX/XX/XXXX which was returned. And then Chase again re run the payment on XX/XX/XXXX and it went through successfully. So the XXXX statement was paid before the due date. 

Due to some issue with Chase bank system they posted the amount twice. And generated a wrong statement on XX/XX/XXXX. As I saw the transaction have been posted wrongly online, I called chase on XX/XX/XXXX and informed. They asked me to wait until next statement processed. And I called again on XXXX I called with the XXXX statement about the error. Customer service representative took my complaint seriously and promised me to fix it. 

As it was not resolved I called again on XX/XX/XXXX and let them know. They told me previous person who recorded the complaint had a mistake so they couldn't fix the statement and he is going to fix it and will be fixed by XX/XX/XXXX. 

I didn't see the correction on my account so I called them on XX/XX/XXXX. Now they say that they can not fix the statement as it was already generated. 

I tryed to file another complaint for what happened and the customer service representative or her XXXX who answered on XX/XX/XXXX is not helping to resolve their accounting error.
Product: Credit reporting or other personal consumer reports

I am reaching out to inform you that I have been a victim of identity theft. Please consider this communication as a formal dispute regarding these accounts. I have contacted all the companies directly and followed the necessary steps to address this issue. I filed an identity theft report with the FTC and have informed all the companies involved. Now, I am disputing the information that should not even be appearing on my file. Please assist me in resolving this matter promptly. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Numerous months ago, I physically went into a local branch of Wells Fargo Bank and closed my checking account and cut up my debit and credit cards in the presence of an employee. I also requested that all of my information be purged from their system. 

Now, many months later, I have received an email informing me of " great offers available '' with my previous " XXXX '' credit card. I called the number mentioned within the email message to inquire as to why I am still being contacted via email ; however, I was told they could not help me because I could not give them my " current password ''. I explained I don't have a " current password '' and do not remember my past password. After numerous conversations with numerous employees and repeating my name, birth date, etc, time and time again, I was " escalated '' up the corporate ladder and once again after having to give my name, address, phone number, birth date, SS number, and " name of first born '', I was told " I can't help you without your password ''. I was instructed I must go to a local branch and submit a photo ID in order to request my personal information be purged from their records. Ironically, I have never gone into " a local branch '' to open up any accounts or to obtain credit cards from them ; therefore, why should I go into one now just to request all of my information be purged from their system? 

I have been a past victim of identity theft, as well as being one-of-the-thousands of Wells Fargo customers whose excellent credit information was utilized to enhance their business reputation. I do not appreciate nor want Wells Fargo to be in possession of any of my personal information for fear of what happened previously and has the potential of happening again. 

I do not wish to receive any solicitation in any form from Wells Fargo ever again nor do I want them to retain any of my information in their data base. 

What must I do to end this continuous invasion of my privacy?
Product: Credit reporting or other personal consumer reports

After thoroughly reviewing my credit report, I found multiple inaccuracies regarding late payments reported on an account where the information does not accurately reflect my payment history. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), consumer reporting agencies are legally required to maintain maximum possible accuracy, and any failure to do so is a direct violation of federal law. 

The account in question, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is inaccurately reporting late payments for 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 

The account in question, XXXX XXXX XXXX XXXX XXXX XXXX XXXX is inaccurately reporting late payments for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX However, upon review, I have not been provided with any verifiable proof that these delinquencies were reported correctly or in full compliance with the FCRA. If a data furnisher is reporting negative marks to my credit file, it is their legal responsibility to ensure the information is 100 % accurate, fully validated, and not misleading in any way. 

As part of my formal dispute, I request that your agency conduct a full reinvestigation and provide proper documentation proving the validity of these reported late payments. If the information can not be fully substantiatedmeaning there is no concrete, verifiable proof meeting strict FCRA standardsthen these inaccurate late payments must be removed immediately to comply with federal consumer protection laws.
Product: Checking or savings account

This bank has no way to stop automatic deposits I created. For this reason, I closed my account over a month ago. When I call, they say that my account is, in fact closed. They assured me that the automatic deposits would not be made and the funds would not be taken from my other account. They won't stop the automatic deposits, and the funds were taken from my other account ( as I told them over the phone I was concerned about ). They kept saying it would not happen, but it did. Now I have had a bounced check due to this on my other account and owe {$50.00} for a returned check fee. Refund the automatic deposits, reimburse my returned check fee, STOP TAKING MORE FUNDS OUT, and CLOSE MY ACCOUNT FOR GOOD.
Product: Checking or savings account

I HAVE SENT OVER 10 EMAILS WITH DOCUMENTATION YOU ALL KEEP REQUESTING MY ACCOUNT WAS LOCKED DUE TO SUSPICIOUS ACTIVITY AT WHICH I PROVIDE DOCUMENTATION AND YOU ALL KEEP ASKING FOR IT OVER AND OVER AGAIN. I HAVE EXPLAINED MULTIPLE TIMES AGAIN I HAVE PROVIDED DOCUMENTATION OVER 10 TIMES NOW AGAIN IT WAS A TRANSFER FROM MY ACCOUNT CHASE TO CHIME THERE IS NO ONE ELSE INVOLVED. I HAVE SENT AN STATEMENT AND DOCUMENTATION THAT YOU HAVE ASKED FOR MULTIPLE TIMES ALREADY I WANT MY FUNDS OR I WILL SUE I AM NOT THE ONLY CUSTOMER YOU ALL KEEP DOING THIS TO. MY ACCOUNT WAS WORKING PERFECTLY FINE UNTIL ALL OF A SUDDEN I DEPOSIT FUNDS NOW YOU ALL WANT TO KEEP MY MONEY UNLOCK MY ACCOUT OR I WILL SUE email on account is XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The record on my credit report by SYNCB/BELK shows as " Paid, Closed/Never late. ( XXXX ) XXXXPublic Record '' I have already sent a written certified mail letter along with my valid Government issued IDs, utilitybills, my W2, cvto XXXX. But the items still is in my report. The Belk and XXXX  did not correct it. Following detail is aboutSYNCB/BELK reporting inaccuratelyand XXXX  maintaininginaccurate information in my credit file. 

My creditis hurting with inaccurate information as a result. This must immediatelybe corrected Details : 1. I have not and never opened a credit card account with this company at all. The item in my credit report shows a Paid / Closed Never late public record. And the account is closed. It is inaccurate information that is hurting my credit. 

2. The company also reported my address incorrect - a post office address XXXX XXXX XXXX XXXX, GA XXXX. 

I do not and have never lived at the post office address. XXXX  did not correct this information as well. Also Belk did not correct this information as well. This inaccurate information is hurting my credit. 

3. My name is also reported incorrectly - XXXX XXXX XXXX Name ID # XXXX Report Number XXXX XXXX XXXX Name ID # XXXX Report Number XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properiy investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experians actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. Below are the accounts that need to be removed from my credit report. 


* 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 have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

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

Hello on XX/XX/2023 I sent out letter to credit bureaus to " INVESTIGATE EVERY PIECE OF INFORMATION '' on my accounts I have listed below. Also I have attached the letters I sent out and also here is the tracking number : Transunion # XXXX Experian # XXXX XXXX # XXXX According to the FRCA the Term " INVESTIGATIVE CONSUMER REPORT '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted with or who may have knowledge concerning any such items of information.

They have stated my accounts was " VERIFIED '' but how is this possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % ACCURATE. And according to the FRCA 15 USC 1681 everything has to be 100 % ACCURATE. Also I have the credit report showing these inaccuracies. 

List of Accounts Transunion 1.XXXX XXXX Account Number : XXXX 2.XXXX XXXX Account Number : XXXX 3. XXXX XXXX Account Number:XXXX XXXX 1.XXXX  XXXX Account Number : XXXX 2.XXXX XXXX Account Number : XXXX 3.XXXX  XXXX Account Number : XXXX XXXX 1.XXXX XXXX Account Number : XXXX 2.XXXX XXXX Account Number : XXXX
Product: Credit card or prepaid card

I have a credit card from Capital One ( Last digits of card is XXXX ) - I payed off the credit card with a balance of {$3000.00}. My due date is on the XXXX of every month. Usually I am only able to pay {$100.00} or {$200.00} towards the balance which causes Capital one to charge me interest because the old balance rolls over into the new month. However, I payed off the entire {$3000.00} on XX/XX/XXXX, four days before the XXXX due date. On the morning of XX/XX/XXXX I noticed that there was a new charge in the amount of {$43.00} from Capital One on my credit card statement. When I called the rep he told me that Capital One charges me interest everyday regardless of if the balance on the card is paid - not only is this new information from what I have been told by Capital One reps but this practice should be illegal. I asked to speak with a supervisor and informed them I will be recording their call- the Supervisor hung up on me because I said I would not stop recording. Please assist and rid consumers of this evil. If you need to contact me I can be reached at XXXX XXXX XXXX XXXX. Thank you.
Product: Credit reporting or other personal consumer reports

I think FCRA 605B obliges us to remove any incorrect accounts from my credit report. Could you examine the documents? Some accounts are inaccurately reported, including amounts and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian needs to fix the issues about the inaccurate information for the Repossession reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the account since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here is the account that I am disputing : .Repossession : XXXX XXXXXXXX XXXX XXXX Balance : {$7900.00}
Product: Vehicle loan or lease

To Whom It May Concern, I am writing to file a complaint regarding Credit Acceptance Corporation. My account was sent to collections due to a car accident in XXXX that resulted in the vehicle being totaled. In XXXX, I contacted Credit Acceptance Corporation to negotiate a settlement for the debt, but was not given any opportunity to discuss or adjust the loan amount or the interest rate. This has caused significant financial distress. 


I am also aware of the joint lawsuit filed against Credit Acceptance Corporation in XX/XX/XXXX, which highlights alleges that Credit Acceptance Corporation engaged in deceptive and abusive practices, such as hiding loan costs, misrepresenting terms, and pushing unaffordable loans on subprime borrowers. It also accuses CAC of violating state usury laws and engaging in securities fraud by packaging these loans into investments. This adds to my concerns about the fairness and transparency in handling such cases. 

I am seeking your assistance in resolving this matter. Thank you for your attention to this issue. 

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

XXXX, XXXX and Transunion continually have reported closing balances incorrect and have not adjusted my credit score accordingly. These cards are paid down extremely fast each month and my credit score is not reflecting the current balance each month! Please have this corrected, because it is affecting my ability to get a low interest rate loan. I have attached documentation that reflects balances as of XX/XX/XXXX
Product: Mortgage

NationStar purchased my mortgage. The initial communication was via phone. I had to request the documentation regarding the transfer because I did not receive the letter from my previous mortgage holder or NationStar. NationStar continued to harass me for payments even though I said I would pay after I confrimed they were the new holders of the loan. I told them to no longer call me as I have received 15+ phone calls asking for money. The last time I spoke to them via phone I told them if they call me again regarding payment before I can review the documents, I would file d a complaint with the CFPB regarding the transfer and my request to no longer received phone calls. They have also sent text messages to my phone which is also a violation of the communication of this debt as other people can see my phone when these text messages pop up.
Product: Credit card

I had recieved a XXXX capital one rewards credit card with a {$3000.00} limit i ended up maxing the card. i had tried XXXX to make a full payment and get the card paid off however when i did so the first time it came back that because the card was not mine or had my name on it they had requested a bank statement i informed them that was not possible and then i had proceeded to ask if they would jujst remove the card and allow me to make a payment in another form. they told me they could not remove the card and i said wewll why is that basically because the card is not in my name they were going to lauch an investigation to see there was no fraud taken place thats when i had proceeded to tell them ( my line of business i do on the side i work for an escorting service ) at that point i was extremely upset because why should i have to devulge my personal business like that and that the payment in full of my credit card was gifted to me buy a customer of mine. they was not interested in hearing anything i had to say i had even added another card hoping that if payment was made in full they would change the decision to not remove the first card as to which none of that was done. so now im stuck with a {$3000.00} credit card and its starting to accrue interest already it was XXXX now its at {$3200.00} also any rewards points i had recieved is not available to me because now they have restricted my account. they really expect me to pay for a credit card when they are not willing to help me anytime i have tried to pay them or ask for help..i refuse to be bullied or pushed around by some corporate big credit card company they are the ones that are wrong in this situation and i wont stop til someone somewhere will listen to me give me my options if any and make this company make their wrongs right. again my name is XXXX XXXX and my date of birth is XXXX ( XXXX ) XXXX if there is anything else please feel free to contact me anytime of the week anytime.
Product: Payday loan, title loan, or personal loan

Dividend finance is the company who financed my solar panels. We applied for solar back in XX/XX/XXXX, but from getting them installed took months, so we actually dealt with the company installing the solar panels which took months, because of county permits, etc. So by the time panels got installed it took months after we signed paperwork back in XXXX. Panels finally got installed and we wouldn't start paying until 60 days after installation before payments would begin. Dividend company didn't even send a prior notice n it notification, payments began but when they began I didn't even remember who the finance company was at this point was anymore. By this point in XXXX I just noticed " dividend 102 '' with money missing in XXXX, at this point and XXXX from my bank account and I flagged it as unrecognized, in which XXXX XXXXXXXX XXXX put in an investigation, because they didn't know who Dividend 102 was either and usually they have more information regarding names such as " dividend 102 '' that were automatically taken out as payments, or they can give me a phone number, but nothing was showing on their end either, so no phone number, address, nothing. After a week of investigation which by this point is, late XXXX they determined in my favor and returned the money to my checking account ... Days pass that's that's when XXXX XXXX notifies me of my credit score going down XXXX points and who finally gives me the information I needed to finally reach Dividend, and put together who Dividend,102 was and finally I was able to reach out to them, catch up on my account immediately in the beginning of XXXX, I even payed XXXX early. I tried speaking to supervisors, different representatives and see if I could be forgiven for all the misunderstanding, and up until now they do not want to help me resolve this. The main reason I am so skeptical with weird transactions, I was a victim of identity theft 7 years ago, and I have proof of that, I even have my credit frozen in all 3 credit bureaus and have to unfreeze my credit when I have to for sure situations, I really take care of my credit. My XXXX credit went down the drain because of this company, XXXX points! While XXXX and XXXX are in excellent standing in the mid 700 's. Dividend didn't even bother to send me a statement before my first charge in XXXX, XXXX, or even XXXX... I barely received my first statement in XX/XX/XXXX, and I received them both thru email and text. 

I explained the situation to dividend finance and even sent paperwork explaining how and why the confusion happened, even a letter from XXXX XXXXXXXX XXXX, it wasn't that I was deliberately late, I'm never late to any of my credit cards, mortgage, etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

In response to Experian 's Request and complaint ID I have attached the documents as requested. 
Experian Itemized Violations Invoice and XXXX, the Consumers " Actual Damages '' in response to the violations at hand. It is clear and concise how I have opted out of a credit authorization however due to the willful and intentional negligence of the agents at XXXX XXXX XXXX XXXX I have endured multiple injuries causing an overall downfall in my right to receive goods for my personal use ( Regulation Z ). It is their duty and performance to make accurate decisions especially in consumer credit transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

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, you must remove the accounts listed below. 

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

I submitted documentation to Experian from creditors I had paid in full and they would delete from my file ; however, Experian refused to delete accounts
Product: Mortgage

I requested to receive the XXXX XXXX for my mortgage arrears due to my family experiencing a financial hardship due to family members being laid off due to the XXXX XXXX. I requested for an extension of the CARES Act Mortgage relief and was told that I had to pay at least {$10000.00} to bring my mortgage out of the pre foreclosure process.