23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I made a dispute with Experian requesting that an inquiry for a XXXX  XXXX XXXX credit card be removed off my credit report, per Title 15 U.S. Code 1681 ( b ), being that I do not have an open account with them. I was told to contact XXXX  XXXX XXXX and request that they send Experian a letter of deletion. I proceeded to contact XXXX  XXXX XXXX XXXX Customer Service. During XXXX separate calls on XXXX separate occasions with XXXX  XXXX XXXX customer service representatives, XXXX from a call center in XXXX, Maine named XXXX XXXX ( XXXX ) on Wednesday XX/XX/XXXX, the other XXXX ( Last name not provided ) from a call center in XXXX, Arizona ( XXXX ) on Thursday XX/XX/XXXX, both XXXX  XXXX XXXX customer service representatives failed to disclose the recording of the phone call in a timely and adequate fashion. This is in direct violation of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The Electronic Communications Privacy Act of XXXX ( XXXX ) and Title 15 U.S. Code 2511 requires that disclosure should occur immediately at the outset of a call while also making it illegal to eavesdrop/monitor or record confidential communication or cell phone conversations without the consent of all parties. Confidential communication can be defined as any communication carried on in circumstances as XXXX reasonably indicate that any party to the communication desires it to be confined to the parties thereto. Then both of the XXXX  XXXX XXXX XXXX proceeded to inform me that no such credit card application exist in their records which meant they could not produce the letter of deletion required by Experian without there being an application tied to me ( or my social security number ). In the process of me trying to obtain the necessary information my rights under the XXXX and Title XXXX XXXX Code XXXX were violated and I have an inquiry on my credit report for a credit card that XXXX  XXXX XXXX can not provide proof that I applied for. As a federally protected consumer I feel that this is an unfair act/deceptive practice.
Product: Vehicle loan or lease

In accordance with the fair credit reporting act, this creditor ( GM Financial ) has violated my rights. Under 15 U.S.C S 1681 section 602 states I have the right to privacy. 15 U.S.C 1681 section 604 ( a ) section 2 states a consumer reporting agency can not furnish an account without my written instruction. Under 15 U.S.C 1666b a creditor may not treat a payment on a credit account under an open consumer credit account as late for any reason. 

GM financial has reported my payment as late to all three consumer credit agencies which is a violation of my privacy.
Product: Credit reporting or other personal consumer reports

I am contacting you to urgently address and rectify a significant error in the credit reporting by SELF/XXXX regarding my account ( Account # : XXXX ). This error pertains to late payment entries that have been inaccurately reported, constituting a clear violation of my consumer rights and a breach of the Fair Credit Reporting Act ( FCRA ). 

Immediate Rectification Required : The credit report inaccurately lists late payments on my account as of XX/XX/2023. This reporting is erroneous and is a grave error on the part of SELF/XXXX. I have consistently managed this account with diligence and responsibility, and there have been no late payments. The continued misreporting has unfairly impacted my credit score and stands as a detriment to my financial integrity.

Demand for Immediate Deletion of Erroneous Entries : I am not merely seeking correction but the complete deletion of these false late payment entries. The persistence of this incorrect information is damaging and unacceptable. As a consumer, I am entitled to fair and accurate credit reporting, as mandated by the FCRA.

Background and Key Concerns : Inaccurate Reporting Despite Dispute : Despite disputing this information, which was acknowledged as meeting FCRA requirements, the resolution remains unfulfilled. The failure to rectify this error is an ongoing injustice. 
Negligence in Address Update and Consequential Risks : After informing SELF/XXXX  of my change of address following mail theft, they neglected to update their records, leading to severe consequences, including misdirected communications and increased risk of identity theft and financial fraud. 
Legal Stance and Consumer Protection Rights : Under the FCRA, I am legally protected against unfair and inaccurate credit reporting practices. The inaccurate listing of late payments on my credit report is a direct infringement of these rights. Moreover, this misreporting could be viewed as an act of negligence, or worse, willful non-compliance by SELF/XXXX. 

Psychological and Emotional Toll : This issue extends beyond financial implications ; it has caused me significant stress and anxiety, exacerbating the feeling of being wronged and powerless against a flawed system. 

Conclusion and Ultimatum : I demand that SELF/XXXX immediately delete the false late payment entries from my credit report. Failure to comply will compel me to take further action, including seeking legal recourse for the damages caused by this reporting inaccuracy. 

Your prompt attention to this matter is not only expected but required. I trust the Consumer Financial Protection Bureau will advocate on my behalf to ensure that my credit report reflects nothing but the absolute truth of my financial conduct.
Product: Debt collection

Enhanced Recovery Corp. reported a debt in the amount of {$220.00} on behalf of XXXX XXXX XXXX to the XXXX major Credit Bureaus ( XXXX, XXXX, XXXX ). I paid the amount ; however, the delinquency date reported is inaccurate and is affecting my credit score immensely. Enhanced Recovery Corp. is refusing to correct this since they 've already been paid. 

Prior to Enhanced Recovery Corp. a different collection agency was contracted by XXXX XXXX to collect. This debt has been moved around by numerous collection Agencies. The year of delinquency should be 2013.
Product: Credit card

According to card member agreement as bind by XXXX XXXX and my self XXXX XXXX. I used my authorized users card to make purchases and pay bills and shortly after the third purchase my card was restricted. According to he card member agreement if I the consumer find any suspicious activity occuring on my account I am to report it to the necessary entities including fraud dept of capital one. Being that this wasn't the case capital one restricted my card for no ethical reason at all. Claiming they have to prove I submitted the application. I have submitted proof to both XXXX in the fraud dept ID XXXX AND CEO XXXX XXXX. This constitutes as violation of my consumer rights and the terms and conditions I agreed to. When asked where does it state in the card agreement that this is ethical and or legal I wasnt given an answer by anyone in the business. Remedy is owed to me
Product: Credit card

There are issues with this account I don't using the balnace I do not have this card I am based in the XXXX and live in XXXX, I asked for my signture on any documents I have yet to receive, I have ask for this to be removed from all of my credit files
Product: Credit reporting, credit repair services, or other personal consumer reports

I am attaching the letter my wife and I sent to the credit bureaus back in XXXX. More four months have passed, and we have not heard anything back from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX  XX/XX/2022.
Product: Checking or savings account

I did not spell chase bank correct to you I spell it chass complaint number XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was removed off as an authorized user on a credit card from Wells fargo on XX/XX/XXXX. 

XXXX XXXX the credit card was removed off my XXXX bureau. 

XX/XX/XXXX it was placed back on my XXXX  bureau XX/XX/XXXX I filed a dispute with XXXX. 

XX/XX/XXXX Wells Fargo responds states its accurate reporting. 

XX/XX/XXXX XXXX I contact and speak with XXXX who states I was removed off as an authorized user on XX/XX/XXXX. He filed a complaint escalation form. 

XX/XX/XXXX XXXX Spoke with XXXX who verified complaint form was filed but not received to the specific department. Gave me claim number Case number XXXX XX/XX/XXXX XXXX XXXX states that it can 1-2 business days to get someone to help. And 10 business days to resolve the dispute. 

XX/XX/XXXX XXXX XXXX states not assigned and can take 10 business days to just look at report. 

XX/XX/XXXX XXXX XXXX states that it can take 10 business days to get a letter and they have no answer or date to when or if the account thats reporting incorrectly on my XXXX  bureau will be removed. 

XX/XX/XXXX I disputed the account on XXXX  again and still waiting on results. 

Its been over 30 days and not one person will remove this erroneous account from my credit. Its reporting incorrectly and affecting my score. Its causing harm to me.
Product: Credit card or prepaid card

XX/XX/2019 RE : Unsolicited Email from Synchrony Bank that may be an indication that an account in my name has been breached (? ) Today I received 3 emails from Synchrony Bank that make no sense whatever to me. At XXXX XXXX   the message was titled, " A trial deposit has been successfully made to your ... '' ( My what??? ) An additional email also at XXXX XXXX. titled, " Action required on your application '' ( I have made NO application ), and at XXXX XXXX " A trial deposit has been successfully made to your AMAZON CREDITBUILDER. '' All of the emails clearly stated, " Please do not reply to this email. '' I tried twice today to reach this bank by phone. Both times I got well into their automated telephone messaging before I was told via an automated voice that they could not handle my call at this time. I then registered a compliant through their online system but the character limitations imposed in the online complaint field made that attempt next to being useless. In a nutshell : I can not reply to their email ; I can not reach a human being by calling their Customer Service number ; and their online complaint system is so limited it is worthless. 

If Synchrony Bank is taking lessons from XXXX XXXX XXXX on how to FLEECE their customers this needs to be nipped in the bud ASAP. Consumers everywhere may be at risk. If I need to go testify before congress to help resolve this issue I will be happy to. I will also be more than happy to share the 3 above referenced emails with the proper authorities. 

Disclosure : Synchrony Bank services a Belk credit card that I have but I am not aware of any other business that I do with them. They should NOT be opening Amazon Credit in my name or requesting any action in regard to an Amazon application in my name. 

I would like to attach the 3 referenced emails to this complaint but my printer ink is low, thus I am unable to print and scan them tonight. If an investigator would like for me to forward the email to them all I need is an email address and they will be on their way to you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my XXXX score has a {$5500.00} debit from Bank of America that I do not recognize, date opened was XXXX XXXX, I moved in this country in XXXX.
Product: Mortgage

I call in, speak with rude representatives. They don't listen, rush you off the phone or blind transfer the call or hung up on you.
Product: Credit reporting, credit repair services, or other personal consumer reports

O XXXX of this year, I applied for a credit card with Comenity Bank in particular a XXXX XXXX ' credit card. The 1st reply was my credit file was on freeze. I Thawed out my file and reported it to them. The 2nd reply was that it was to early to re-apply, ask me to file again after 30  days. I did so. The 3rd letter ask fo copies of my Social Security Card,  front and back ; the 2 sides of my Ohio Drivers license ; and a copy of our recent bank statement. WITH THE HIGH RISK OF MY PERSONAL INFO FALLING INTO WRONG HANDS, I SEND THEM WHAT THEY REQUIRED. My last reply from them was, that after all the info they ask for and their resources researched my personal credentials. they said that " THEY COULDN'T VERIFY MY IDENTITY. '' AFTER RECEIVING THIS TROUBLING STATEMENT, .WE SUFFERED SLEEPLESS NIGHTS AND WE EXPERIENCED INTENSE XXXX AND XXXX XXXX AND PAIN. I HAVE 4 OTHER CREDIT CARDS AND HAD NO PROBLEM GETTING THEM. THEIR COMPANY HAS A WIDE VARIETY OF TOOLS TO VERIFY THE VERACITY OF MY INFORMATION AND EASY TO OBTAIN BECAUSE OF THE NATURE OF THEIR BUSINESS.iT ALSO AFFECTED MY CREDIT SCORE AND WILL FOR SOME YEARS. WITH ALL THOSE RESOURCES THEY HAVE. THIS STATEMENT IS FALSE AND MISLEADING. I HAVE XXXX CREDIT PROTECTION AND I CHECKED, THERE WERE NO RED FLAGS ABOUT MY IDENTITY 'S VERACITY. THIS TYPE OF BUSINESS SHOULDN'T BE PRACTICING THESE TACTICS. I THINK THEY SHOULD BE MADE TO PAY A HEAVY FINE. FOR THIS SCARY TACTICS THAT WE HAVE UNDERGONE AND STILL WILL COST US SLEEPLESS NIGHTS AND CONTINUED XXXX AND XXXX   XXXX AND PAIN. THANK YOU FOR YOUR HELP, CFPB..
Product: Debt collection

XXXX, 2020, my US Bank credit card debt totaling {$11000.00} disappeared from my online banking dashboard. At the time I believed I had a payment plan in place when in fact I did not. I was never notified in writing through the mail or electronically as to this status. About a year later I found out about it through a credit check. I contacted US Bank Collections and scheduled a payment plan to which they were unwilling to provide me any documentation for. I needed that documentation to resolve this issue with another agency. The lack of transparency and communication is predatory and harmful to the consumer.
Product: Mortgage

Prior XXXX  case XXXX that says money was sent back and to call title company there has been no funds received to date we have no contact information for any one and to date we still have not received the over XXXX the mortgage company owes us. We have usps informed delivery there is no possible chance it was delivered somewhere else so the mortgage company is holding over XXXX k from a refinance that we do not have we want that money
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I received an email from Coinbase requesting documentation to verify my identity and salary. I acknowledged the email, but shortly afterward, Coinbase restricted my account, preventing me from selling my electronic wallet funds or purchasing additional assets. 

In response to their request, I submitted the required documents on XX/XX/year>, including six months of bank statements, tax returns, W-2s, and a description of my profession. However, on XX/XX/year>, Coinbase replied, asking for further proof that my income solely comes from employment. In reply, I resubmitted my W-2s and tax returns. Additionally, I provided employment letters from my office confirming my income and current job status. 

Despite this, on XX/XX/year>, Coinbase reiterated the same request, so I again submitted my tax return and W-2 forms. On XX/XX/year>, Coinbase responded yet again, asking for more proof of employment income. I provided the same documents once more. 

On XX/XX/year>, I received another response, this time asking about my wife since she is listed on the joint bank account associated with my Coinbase account. However, she is not relevant to the verification process. I have reviewed Coinbase 's guidelines on the qualifications for a source of funds and have already submitted the requested documents three times.

Unfortunately, their responses have been delayed by a month each time, and communication has been entirely via email. I have also tried reaching out through their online chat feature, but was informed there was a XXXXminute wait time. There is no option to speak with a representative by phone, leaving me without a clear resolution.
Product: Student loan

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Dispute of Inaccurate Information and Request for Removal Dear XXXX and XXXX, I am writing to formally dispute the accuracy of certain information on my credit report as permitted under the Fair Credit Reporting Act ( FCRA ). I have recently become aware of the lawsuit involving XXXX and XXXX and the implications it has on the accuracy of the information provided by your agencies. 

According to the FCRA, specifically 15 U.S.C. 1681i, I have the right to dispute information in my credit report that I believe is inaccurate or incomplete. Furthermore, your agencies are required to investigate the disputed information within 30 days and notify me of the results. However, given the recent legal rulings and the urgency of correcting inaccuracies, I am requesting that you expedite the investigation process and remove the disputed accounts within five days, as I believe they are erroneous. 

The specific accounts I am disputing are as follows : XXXX. XXXX XXXX  15 U.S. code 1681 ( e ) / 15 U.S. Code1681 ( i ) chargeoffs XXXX. XXXX XXXX XXXX Number 15 U.S. Code 1681 ( n ) 15 U.S. Code 1681 ( b ) inquires XXXX. XXXX XXXX XXXX XXXX 15 U.S. Code 1681 ( e ) / 15 U.S. code 1681 ( I ) chargeoffs I have attached copies of relevant documents that support my claim, which include [ list any supporting documents, such as payment receipts, correspondence, etc. ]. 

As per 15 U.S.C. 1681i ( a ) ( 1 ), I expect your agencies to conduct a thorough investigation and respond to my dispute in a timely manner. If the information can not be verified, I request that it be removed from my credit report immediately. 

Please acknowledge the receipt of this letter and outline the actions you will take regarding my dispute. Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX [ Your Signature ( if sending a hard copy ) ]
Product: Debt collection

Today I received a letter from Convergent Outsourcing, trying to collect money for a debt I paid off and had removed from my credit report years ago. When I called, I told the representative that the debt had been paid and that the statute of limitations had passed regardless. I asked for a supervisor and a fax number to send proof of payment and I was hung up on. This happened three more times, along with threats of arresting me and a court case pending. The debt was owed originally to XXXX, who I called to ensure I did n't owe anything further, which was confirmed. To be treated snidely and threatened even if I still owed would be inexcusable, but this is just plain XXXX and I ca n't imagine how many people have actually been bamboozled by these people. Please do something about this.
Product: Checking or savings account

On XX/XX/, USAA withdrew {$330.00} from my checking account without authorization and with no notice provided to me until the next day. They claim the payment was arranged through their app, however, I was given three different times and dates that this was supposedly done. I have advised them several times that the information they are claiming is not at all true and no bill payment was authorized for this. Nobody has access to my account or banking information except for me and them and I did not authorize this payment! This was done fraudulently! They did not have my permission to withdraw funds from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting an erroneous account on my credit reports that has been challenged to XXXX  and Experian. Both have claimed that the accounts have been verified even though the creditor has ceased to exist and has not provided the validation necessary to leave the account on my credit reports. 

XXXX XXXX XXXX & XXXX
Product: Debt collection

In accordance with the Fair Credit Reporting act 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Vehicle loan or lease

Capital One Auto Finance is contacting people that are not on my loan or that are not associated with the loan and whose phone numbers are not associated with the loan. Constantly harrasing trying to get payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never agreed paying this company I never applied credit with them this goes against the FDCPA
Product: Checking or savings account

On XX/XX/15 I was traveling back to the XXXX from XXXX on XXXX XXXX. During flight two charges were made one in XXXX XXXX and one in XXXX. Given that XXXX is 2200KM away from XXXX, and I was flying north, it is physically impossible for me to have made the charges. The two charges equate to {$860.00}. My flight left from XXXX at XXXX and we were at the airport at approximately XXXX. The flight went from XXXX to XXXX. The charges took place at XXXX and XXXX on XX/XX/XXXX, while I was in flight. 

I immediately contacted USAA when I saw the charges and several days later received a notification that the charges were legitimate. Again, this physically impossible that I could have been 3 places at once. 

USAA is doing very little to work with me and see they will get back to me but, it will take up to five days. They are not allowing me to speak to senior mgmt or their fraud department. I have uploaded supporting documentation showing them I was in flight and they continue to fail to work with me. This is unacceptable.
Product: Debt collection

This company Convergent called the company my daughter works for in another state asking for my name. The called the company main line which is an XXXX # and we do share the same last name. So immediately those called were looked at as her taking personal calls directly through the company business line. They called 4 or 5 times, and after she told them to stop calling, they still called her company, which I am not affiliated with in any way. So my daughter is in trouble at work because these people were looking for me and kept calling. 

I called them back asked them how they even got her number, they said through skip tracing. I asked him why not contact me directly or send mail. He asked if I never received any mail from this cable company, and I have not. My number is the same as it was back in XX/XX/XXXX and they never called me. 

They told me the debt is on behalf of their client for cable service at my address from XX/XX/XXXX-XX/XX/XXXX, I did n't live at this address at that time. I 'm not sure if the original company is trying to put the previous tenants debt on me, but I was not living here until a year later and had no service from them. Actually I had no cable at all. They said the debt was {$1000.00} but its now {$36.00}.