23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This company continues to violate my rights. After I notice they have an invalid account on my credit I notified them and asked for valid verification AND Validation if the account bearing my wet signature, providing proof of their license and being anole to even report a debt. Which they have failed to provide. I explained to them that Ive never signed any contract with them or anyone to sell my information to and any alledged debt should be sent back to original creditor. I asked that any communication is done by mail however they continue to call me on my phone, email and through my business accounts which is accessible by employees.
Product: Credit reporting or other personal consumer reports

Dear XXXX : This is a Self-Attestation that I am a victim of trafficking.. The information listed below, which appears on my credit report, is the result of that trafficking. 
These fraudulent accounts consist of a Auto loan account opened XXXX XXXX XXXX XXXX XX/XX/XXXX, another auto loan account opened at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, as well as personal loan account opened at XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. An personal loan opened at XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX an personal loan with XXXX XXXX XXXX XXXX 
XXXX XX/XX/XXXX Collection Account XXXX XX/XX/XXXX Collection Account XXXX XX/XX/XXXX 2020
Product: Debt collection

Call stating the are " independent courier '' that are sending a uniformed officer to my house today. Call me and my family all the time. They never send anyone but they threaten all the time
Product: Debt or credit management

On XX/XX/XXXX I was first contacted by email by collection agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX telephone XXXX email : XXXX about this credit card debt I owed of {$3400.00} USD. 

From XXXX to XX/XX/XXXX I made {$120.00} per month towards the debt. In XXXX of XXXX I got an amenity offer from the collection agency for {$1000.00} to settle the date starting {$250.00} first payment, second payment on XX/XX/XXXX for {$250.00} third payment on XX/XX/XXXX for {$250.00} and last payment on XX/XX/XXXX for {$250.00}. I made all the payments, the collection agency emailed to say the debt was paid but they never sent a settlement letter. Other debt collectors kept calling for the same debt though I paid as agreed. 

Everytime I deposit money on my bank account the bank still takes money out of my account towards the debt. It is not right the bank sold this debt collector I paid this debt yet I still owe it!
Product: Credit card or prepaid card

Good Afternoon, Today while checking my emails I received a notification from XXXX that my credit score had dropped due to XXXX hard inquiries from Capitol One. I find this frustrating as I did not apply for a credit card or approve a hard credit check. I would like to lodge a complaint and resolve the situation as soon as possible. 

The Inquiries took place on XX/XX/2023 and XX/XX/2023. 


Thank you, XXXX XXXX
Product: Debt collection

I had filed a complaint against Tekcollect before for trying to send me to collections. The last time, they responded by saying my account was closed and they were going to update my credit bureaus. On XXXX I had received an alert on my XXXX account that Tekcollect flagged me and still sent me to collections after lying to me. I want this company off my credit and out of my life permanently or I will be sending a Cease and Desist. This now harassment. Again, show me physical evidence that someone is the new buyer for XXXX XXXX XXXX or leave me alone!
Product: Credit card or prepaid card

On XXXX, we initiated a credit dispute through " Chase 's Credit Dispute '' process. 
The amount disputed was {$150.00}. 

Chase representatives ( multiple individuals ) within the process failed to " read or thoroughly identify/investigate the dispute facts ''. We sent 6 emails to the department for the dispute process followed by unnecessary and tedious phone calls they initiated in opposition to actually reading the information sent. We sent photos and copies of email correspondence between buyer and seller. We finally sent a highly delineated hardcopy letter to Chase on XXXX, identifying the initial problem again and underscoring that Chase was failing to actually READ the informational facts surrounding the alleged investigation on their part and furthermore as " clients '' we were unclear as to both delay in resolution and the delineation of the " amounts charged and credited '' historically on this purchase. We further indicated that UNTIL THIS WAS CLARIFIED we had no intention of closing the matter on our end. 

Following this letter/request on XXXX, we received an update via USPS in direct opposition to our formal request to be notified by " email '' indicating that we requested to be notified by mail. The reason that this last information is relevant is that it indicates the lack of attention and it was also following an unauthorized credit or charge back to the original company in dispute = {$90.00} ; which is unaccounted for by any mailing. 

Sufficed to say - We have exhausted our ability to deal with Chase because this is not the only occurrence of their " failure to perform in accordance with their agreement. ''
Product: Credit card or prepaid card

My bestbuy acct has charges that are not mine. This occurred last year in XXXX. Bestbuy didn't remove the amount from my credit card. The total amount was about {$600.00}. My card then had extra fees late fees, more interest. They ended up closing my acct. and now I am left with almost 3,000 to pay and it continues to go up every month.
Product: Credit reporting or other personal consumer reports

This is my second requests to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX XXXX Balance Owed : {$19000.00} XXXXXXXX XXXX XXXX  Balance Owed : {$5700.00} XXXXXXXX XXXX XXXX Balance Owed : {$2200.00} XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$11000.00} XXXX XXXX XXXX Balance Owed : {$19000.00} XXXX XXXX XXXX  Balance Owed : {$5700.00} XXXX XXXX XXXX Balance Owed : {$2200.00} XXXX XXXXXXXX Balance Owed : {$11000.00} XXXX XXXX XXXX Balance Owed : {$19000.00} XXXX XXXX XXXX Balance Owed : {$5700.00} XXXX XXXX XXXX Balance Owed : {$2200.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

I made a complaint before and I was told it was resolved and all holds were taken off of my account. Yet, I have not been able to use a card till this day. I will need a new card and for it to be unlocked. This problem has been going on since XXXX and now its becoming more urgent to get it unlocked. I have done countless efforts to get my account unlocked.
Product: Credit reporting, credit repair services, or other personal consumer reports

after sending disupute letters to each bureau, certified mail XX/XX/2022. I waited for a response of the investigation and i have still yet to receive anything from either bureau. 

i take my credit very seriously and the number of violations and inaccurasies on my report is costing so much more money and im preparing for legal action to seek damages from failure to comply with FCRA laws due to blatant disregard for following the laws in place. 

under 15 usc 1681 e b- accuracy of a report, it is the CRA to report 100 % maximum possible accurate information on a consumer, so these accounts are in violation of that law and need to be deleted from my credit report immediately : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX as, XXXX XXXX, mo child support, these accounts are either or all closed, the dates reported dont match along with the remarks made from each bureau causing me to have all different credit scores. They are held responsible for reporting accurate info and they failed to do so causing inaccurate reports which is law violation and a reason why I can seek damages for this inconnviennce. 

under 15 1602 p- unauthorized use of my information, i have never given any written consent for any of this plus these inquiries to be reported to my credit report, ive called and asked the creditors to send me the document showing my hand written signature they couldnt do it, so this is fraud and no consent is fraud so i also demand these items to be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX bank all of this is what I stated in my dispute letters, I dont beleive in threatening a law suit but this is just a XXXX poor job of them not properly doing an investigation and upholding the fcra/fdcpa laws and im ready pursue legally at the maximum extent.
Product: Credit reporting or other personal consumer reports

I am writing to formally request a written response from Equifax, submitted through the CFPB portal, outlining the steps that will be taken to escalate and resolve my dispute regarding the inaccurate reporting of my XXXX XXXX XXXX XXXX XXXX account ending in XXXX aka XXXX. Please reference CFPB complaint # XXXX Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ), credit reporting agencies are required to investigate disputes and ensure the accuracy of the information reported. Additionally, under 15 U.S.C. 1681s-2 ( b ), data furnishers are obligated to conduct a thorough investigation and provide written documentation to verify the accuracy of the information they supply. In this case, the furnisher of the data has failed to provide the required documentation, and Equifax has failed to take appropriate steps to address the inaccuracies in compliance with the law.

I also invoke my rights under 15 U.S.C. 1681c-2, which provides protections for the removal of inaccurate or unverifiable information. Given that the furnisher has not provided documentation to validate the account, Equifax is legally required to delete the disputed information from my credit file. 

The continued reporting of this inaccurate information has caused significant stress and hardship, preventing me from securing credit or financing. XXXX failure to ensure compliance with the FCRA exacerbates these issues and violates my rights as a consumer.
Product: Money transfer, virtual currency, or money service

Company : Robinhood Inc. 

Transferred over $ XXXX to my account to perform some trades on XX/XX/year>. Robinhood flagged my account on XX/XX/year> and restricted from trading asked for verification. Sent to them were bank statements showing account, name and address which matched my government issued real ID. Spoke to someone on the phone who asked a flurry of questions that didn't seem relevant to establishing my identity. They said they would inform me by XX/XX/year>. I received an email from them stating that they where closing my account for possible fraud. My funds would be returned. Robinhood proceeded to sell off my crypto uninitiated by me, which put {$10000.00} in my account in cash. They closed my account and even though I repeatedly tried to contact them via phone, email through their app they have not responded and my funds remained locked in Robinhood and no responses have been given regarding any inquiry.
Product: Debt collection

CBCS, a debt collection agency stated there is a balance of {$80.00} for XX/XX/18 which was paid. The creditor XXXX XXXX XXXX received {$80.00} for ER admission fee for 4 visits made XX/XX/2018 thru XXXX, 2018. Payments for the {$80.00} co-payments ER Admission fee payment was made {$40.00} on admission date and {$40.00} payment later with my debit card or check. XXXX XXXX XXXX Payment Summary for Account XXXX don't show any outstanding balance. A copy of XXXX XXXX XXXX Payment Summary was sent via fax to CBCS for their records, but CBCS insists there is a balance of {$80.00} which I don't agree is an outstanding debt.
Product: Credit reporting or other personal consumer reports

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 previous attempts to fix these issues directly with them and They are violating my rights and I'm entitled to {$1000.00} for every violation listed, they either pay me or delete these accounts ASAP. They have no verification or proof this information is mine. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction and frustration concerning the multiple unsuccessful attempts to remove fraudulent items from my credit report. I believe that these inaccuracies are adversely affecting my creditworthiness, and despite persistent efforts on my part, the resolution of this matter remains elusive. I submitted formal disputes through your online dispute resolution platform, providing comprehensive details and supporting documentation to substantiate my claim for the removal of fraudulent items. Unfortunately, these submissions have not resulted in the desired corrections, and the fraudulent information persists on my credit report. The existence of these fraudulent items has had a severe impact on my ability to access credit, secure favorable interest rates, and engage in essential financial transactions. I have diligently followed the prescribed procedures, including contacting your customer service department on multiple occasions, yet the promised resolution has not materialized. I understand the importance of accurate credit reporting in maintaining the integrity of the financial system, and I am committed to resolving this matter promptly. However, the repeated failures to address my concerns have caused significant distress and hindered my financial well-being. In light of the above, I am requesting an immediate and thorough review of my case. I expect a comprehensive investigation into the fraudulent items on my credit report and the swift removal of any inaccuracies found. Furthermore, I request regular updates on the progress of this matter and a clear timeline for resolution. If decisive steps are not taken promptly to correct this situation, I will be compelled to escalate this complaint to regulatory authorities and explore legal avenues to uphold my rights as a consumer. I am asking for your assistance to remove these fraud items in 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
Product: Credit card or prepaid card

I attempted to remain in honor by tendering payment via an ambiguous negotiable instrument in the form of a paid U.S. Postal XXXX XXXX. The money order clearly states at the bottom that it is a negotiable instrument which I bought and paid for the rights to negotiate it. XXXX XXXX number XXXX was made with the proper clauses and provision based on banking law in the amount of {$6000.00} in accordance with HJR-192 Public Law 72-10, U.C.C. 3-603 ( b ), U.C.C. 3-311 and public law for negotiable instruments to NAVY FEDERAL CREDIT UNION on XX/XX/2023. I called on XX/XX/2023 and spoke with one of their customer service representatives. A copy of that phone conversation will be attached. They refused to stand in honor of the law by applying the proper payment to my account. They returned my instrument and did not discharge the debt.They continue their collection efforts with threats of closing my account ; even with the ability for the instrument to remain negotiable which is an even greater benefit for them. I am filing a complaint and asking for an immediate investigation to rectify the situation without levy so they may remain in honor. As it stands they are committing an illegal act and are currently in dishonor, as their practices are against the laws in which our country is built on.
Product: Credit reporting or other personal consumer reports

Multiple investigations & Inaccuracies in Reporting on Account XXXX XXXX XXXX XXXX XXXXXXXX I am writing to address the persistent inaccuracies in reporting on my XXXX XXXXXXXX XXXX XXXX XXXXXXXX. Despite repeated requests, provision of evidence, and submission of screenshots clearly illustrating the inaccuracies, the account has been inaccurately verified multiple times. This egregious oversight constitutes a violation of my rights as a consumer under the 15 U.S. Code 1681i. 

According to the law, consumer reporting agencies are mandated to conduct a reasonable reinvestigation when disputed information is brought to their attention. Furthermore, any found inaccuracies or unverifiable data must be promptly deleted or corrected. 

However, in addition to the previously mentioned inaccuracies, there are further discrepancies exacerbating the situation. Specifically, Equifax is erroneously reporting the account as a XXXXXXXX XXXX account, while XXXX and XXXX correctly identify it as an XXXX XXXX account. Additionally, the account number provided by Equifax ends in # XXXX, whereas both XXXX and XXXX report the same account with a different number. 

These glaring inconsistencies compound the severity of the situation. It is evident that there are multiple inaccuracies within the reporting system, severely impacting my financial standing and rights as a consumer. 

I demand immediate and thorough action in accordance with the law. The inaccuracies on my account must be rectified, and the account itself should be deleted if it can not be verified accurately. Failure to comply will result in further escalation of this matter to the appropriate regulatory bodies and legal authorities. 

Please be advised that I will be resubmitting the screenshots to illustrate the inaccuracies once more. This represents the final attempt to resolve this issue directly. Should no satisfactory resolution be achieved, I will have no choice but to seek legal counsel to address these violations and pursue appropriate remedies. 

I expect prompt and decisive action to rectify this matter and restore accuracy to my credit report.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Dispute my submissions, XXXX 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, XXXX actions may also contravene the Consumer Financial Protection Act, 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with necessary proof of investigation. 

These are the accounts that Ive marked as inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Barclay Bank has reported this twice to my credit file removed it only. to add it back for the amount of XXXX
Product: Debt collection

I have a collection from grant mercantile age, account XXXX I have already disputed this account and its not being removed from credit report, I did some research and I found out you violated the hippa law for consumers rights, since your a debt colloctor you shouldn't have my medical records, I already talked to a F.c.r.a attorney who will taking my case to sue. 

we are requesting your delete this account from XXXX, XXXX, XXXX, doctor XXXX XXXX XXXX did not fix my XXXX and wants to charge me. that's crazy
Product: Credit card or prepaid card

Card was charged for something without my authority, merchant sent a copy of their invoice ( which is CLEARLY not mine ) and yet the credit card company reversed the charges.
Product: Debt collection

They called me and demanded that I confirm my address before they would tell me who they represent. The agent was very rude.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017 I did a consumer credit transaction with Marcus by Goldman Sachs. The total amount of the transaction was for {$14000.00}. In XXXX of 2017 i received a bill requesting that a payment be made. This transaction was also placed on my consumer credit reports which is a violation of federal law under the FDCPA. Pursuant to 15 USC 1681 ( a ) ( 2 ) ( B ) ( d ) " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from my consumer reports. The credit card is my social security card and is what I used to originate this transaction. Goldman Sachs is in violation of 15 USC 1605 ( a ). I was charged an additional {$14000.00}. As per the installment loan agreement the only payment that should have been calculated was the finance charge of {$11000.00}. The finance charge is the sum of all charges. Goldman Sachs failed to process this transaction appropriately and is in violation of 15 USC 1640 ( a ) ( 2 ) ( A ) ( i ) and is required by law to pay twice the amount of the finance charge ( {$23000.00} ).
Product: Credit card or prepaid card

I went to XXXX XXXX wanted to pay they said card was not valid. We have a {$60000.00} limit. Came home found out they closed my account. My husband died XX/XX/XXXX but they gave me no warning It was with Capital One and we got XXXX miles XXXX XXXX and I had over a XXXX miles saved. They said they are gone once it is closed. If I had gotten warning I could of made some trips or donated to XXXX XXXX
Product: Mortgage

I am requesting a one time 30 day courtesy foreclosure postponement. 

I've never been reviewed or considered for payment assistance options in the past. I've faxed in a complete payment assistance application packet to Wells Fargo directly and the foreclosure office XXXX XXXX XXXX. 

I was unable to submit this application through the Wells Fargo online banking portal, " loan tracker '' as this feature was not available online as stated it was through the Wells Fargo online website. 

I am requesting a foreclosure postponement to be granted by either Wells Fargo or the foreclosure office XXXX XXXX XXXX, for the reason that I would like to retain my property and I was not aware a possible " unemployment forbearance plan '' can be offered or considered, due to my unemployed hardship. 

I would like to retain the property through a payment assistance option as I am currently seeking employment in an effort to apply for a loan modification once employment is gained. In the event I am unable to to reinstate the account upon gained employment, I would like to attempt a loan modification to help with the past due balance. 

I have faxed my completed application to Wells Fargo and the foreclosure office XXXX XXXX XXXX.