23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a message on my answering machine this morning. I have no idea who the caller or her company is, or what she is calling about. In the message, which came from XXXX, the woman identified herself as XXXX from Atlantic Recovery Solutions. She claimed that she " received the documents for ( me ) to sign '' and that I should return her call as soon as possible, or else I would need to call a lawyer. Even more strange and disturbing to me is that I just heard from my XXXX mother, who lives several XXXX miles away, saying that SHE received a message. In my mother 's words, " There was a message left by a XXXX XXXX Atlantic Recovery Solutions for [ my name ] and a request to call her at XXXX XXXX XXXX. ''
Product: Credit reporting or other personal consumer reports

In continuance of my previous dispute against XXXX Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation.
Product: Checking or savings account

I need my bank statements from XX/XX/XXXX to XX/XX/XXXX ; I have been asking Banco Popular de Puerto Rico - where my account is from XXXX until now for this evidence ; and the answer is that they destroyed the information, that they only hold the last seven ( 7 ) years. That they charged {$10.00} dollar per page ; which is outrageous, but still I'm the one who needs the information. 

Please, help me!!! 

This a personal account.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I spoke with Experian Fraud Department and disputed personal information, inquiries and XXXX  accounts reported inaccurately or should not be reported at all. I provided a copy of my social security card, drivers license, and FTC Report by uploading it online through Experian. The inquiries were deleted immediately. My name was corrected due to my name was reporting incorrectly. The representative did receive the my documents submitted online on XX/XX/XXXX, which is why he was able to continue with the dispute submitted. 

XX/XX/XXXX, I received an email of dispute being completed and ready to review. They sent me a report number to review the status of the XXXX accounts that were disputed and they were all deleted. 

XX/XX/XXXX, I received another email stating that they reinserted the accounts for no reason. They stated that it was never deleted and its pending. I explained that it was deleted and I have the email and credit report to prove it and requested them to delete them. They refused. I asked to be transferred to the Experian Fraud department and was transferred to XXXX in the fraud department. She stated that she didnt see the report show any deletion and Ill have to wait XXXX  days. I gave her the report number showing where it was deleted and she changed the status to pending status. 

The Fair Credit Reporting Act ( FCRA ) prohibits credit reporting agencies from reinserting account information that was previously disputed and removed from a consumer 's credit report. The credit bureaus can not reinsert this information unless it receives a certification from the data furnisher ( the bank, credit card company, or debt collector ) that the information is correct and then provides notice to the consumer that the information will be reinserted. Experian willingly and intentionally reinserted these accounts and could not give me a valid reason. I was told they had system issue and lied and said that I provided more information after it was deleted, which was untrue.
Product: Mortgage

Plaintiff : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : XXXX XXXX Banks ( Last 4 SSN XXXX ) Mortgage Company : Carrington Mortgage Account number : XXXX Property address : XXXXXXXX XXXX XXXX XXXX XXXX TX XXXX My Father, XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX and willed us the personal property at the address listed above. We recently sold this property and completed closing on Tues., XXXX In the midst of closing on the sale of the property, Carrington sent a payoff quote for {$170000.00}. The title company then forwarded to Carrington a wire transfer matching the payoff quote. Unfortunately, Carrington neglected to include the property taxes they paid on XX/XX/XXXX in the amount of {$5600.00}. As a result, Carrington rejected the wire transfer stating it was short by {$5600.00}. XXXX XXXX has consistently tried to rectify this matter by receiving an updated payoff quote. It has not been received. I called Carrington today to see what I could do to expedite the payoff quote, and because the process usually takes 3-5 business days, we will be charged additional funds- though we closed on the sale of the house on XXXX 

Issue : Carrington continues to add fees to our balance, while they also have neglected to provide a payoff quote including the total balance owed. 

Issue : Because Carrington rejected the payoff from XXXX XXXX, we were charged {$50.00} in wire transfer decline fees by XXXX XXXX.
Product: Credit card

I sent multiple letters this summer in XXXX and XXXX for XXXX disputed charges. The first occurred on XX/XX/2023 ; the merchant was named XXXX XXXX. the total was {$830.00}. The firm never provided the services agreed to in our contract, and I worked directly with them on a resolution, but no such solution was ever met, and when I sent in the dispute, nothing was resolved at all on Chase 's end. Chase took no action to help. Then it happened again with Rush PATIENT PAYMENT For {$2100.00} on XX/XX/2023. I had already made payments on my care credit card and should never have been charged. They charged me without my permission, as my credit took care of the bill, and Chase did nothing to rectify or adequately investigate the situation. 

Both times, I sent letters in the mail within 60 days but received no response until I called in and sent the letters again, this time with an electronic record via the mobile app/website. I believe their lack of action is due to the fact that I am a XXXX XXXX, and they see it as their right to deny proper service to XXXX XXXX. 

There is no doubt in my mind this type of inaction an anti-consumer behavior has occurred with thousands of other Chase clients if my experience with their customer support is representative of the firm.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second time disputing the following accounts : -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 I am not an attorney or third- party rep, there are accounts on my credit report that does not belong tome and believe that this is an act of fraud. I have a legal right to dispute anything on my credit report that I do not recognize.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am filing a formal complaint against XXXX XXXX XXXX for failing to accurately report my auto loan payment history on my credit reports. My account ( # XXXX ) was closed with a XXXX balance, yet late payments have been inconsistently reported across the three major credit bureaus.

This is a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), which states that furnishers of information must not report inaccurate or misleading information. Additionally, XXXX XXXX Services has failed to properly investigate this dispute per 15 U.S.C. 1681s-2 ( b ).

Furthermore, under 12 CFR 1022.43, I am entitled to an accurate and complete report, free from unverifiable information. I have reached out to XXXX XXXX XXXX directly to resolve this matter, but they have failed to act.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear Transunion, 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 This letter is a formal request to correct inaccurate information contained in my credit file. The item ( XXXX ) listed below is/are completely erroneous. I have listed the items below which are incorrect and need to be deleted from my credit file. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Charged off as bad debt Profit and loss write-off, Closed XXXX. XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$27000.00}, Opened XXXX XXXX, XXXX, Charged off as bad debt Dispute resolved ; customer disagrees, Closed XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX {$470.00}, Opened XXXX XXXX, XXXX, Charged off as bad debt Dispute resolved; customer disagrees, Closed XXXX XXXX XXXX XXXX XXXX XXXX {$400.00}, Opened XXXX XXXX, XXXX, Placed for collection, Original Creditor Name XXXX XXXX XXXX In accordance with the federal Fair Credit Reporting Act ( FCRA ), I respectfully request you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I request that you immediately delete the item. Furthermore, I request that you supply a corrected copy of my credit profile to me and all creditors who have received a copy within the last XXXX months, or the last XXXX  years for employment purposes. Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber that you provided a copy of my credit report too within the past XXXX months. I respectfully request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item in question within XXXX days of the completion of your re-investigation as required by the Fair Credit Reporting Act. I thank you for your consideration and cooperation. If you have any questions concerning this matter I can be reached at XXXX. Thank you for your time, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  are incorrectly reporting an account where I am shown as an Authorized User on XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. XXXX  has removed this line item from my credit report. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this issue however, I have not been successful.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to file a formal complaint regarding a collection account that appears on my credit report, managed by National Credit Systems. I believe this account is invalid, and the collection agency has failed to provide sufficient documentation to substantiate the debt. 

Details of the Issue : XXXX. Invalid Account Information : The collection agency has reported this account on my credit report, but I have no record of owing the debt they are attempting to collect. 
XXXX. Failure to Provide Validation : Upon requesting validation of the debt under the Fair Debt Collection Practices Act ( FDCPA ), the collection agency failed to provide essential documentation, including : The name and contact information of the original creditor. 
A copy of the original agreement or contract that created the debt. 
A full account history showing how the debt was calculated. 
Proof that the agency has legal authority to collect the debt. 
XXXX. Lack of Original Creditor Information : The collection agency has been unable or unwilling to provide the original creditors details or the purchase agreement proving the transfer of this account.

This invalid account is negatively impacting my credit score and has caused significant stress. The lack of proper documentation and failure to validate the debt undermines the legitimacy of their claim.
Product: Debt collection

I HAVE SENT SEVERAL LETTERS SINCE XXXX REQUESTING A COPY OF THE SIGNED APPLICATION WITH MY SIGNATURE. THE COMPANY HAS NOT PROVIDED THIS INFORMATION THEY ARE IN VIOLATION OF THE FCRA LAWS REPORTING INACCURATE INFORMATION ON MY CREDIT REPORT
Product: Debt collection

On XX/XX/XXXX I received a telephone call from XXXX purporting to be with XXXX XXXX XXXX. The representative stated that " Check N Go '' is attempting to collect {$1000.00} from me. In XX/XX/XXXX I was discharged from US Bankruptcy Court and Check N Go was listed in this granted discharge. Check N Go continues their business practices of harassments by having different collection agencies continually contact me.

I should be the one filing suit against Check N Go because this debt was legally discharged over eight ( 8 ) years ago but yet they continue the harassments activity. 

XXXX XXXX, Attorney at Law represented me in this Bankruptcy and advises me to contact you because Check N Go 's business practices described are against the law. 

I am old and disabled and these scammers try to steal from me. 

Please help me.
Product: Debt collection

Attorney : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX Reporting old debts as newer than they are ( re-aging ) and this has been disputed on serval occasion. The status of limitation has been reached and they just reopened the debts on XX/XX/XXXX as new debt and trying to garnish wages. 

Please see the below information : XXXX XXXX Opened XXXX {$380.00} XXXX XXXX  Opened XXXX {$470.00} XXXX XXXX Opened XXXX {$2100.00} XXXX XXXX Opened XXXX {$2200.00} XXXX XXXX Last reported XX/XX/XXXX {$380.00} Open balance XXXX XXXX XXXX XXXX  Original creditor XXXX  OpenedXXXX  XXXX, XXXX ( 5 yrs, 3 mos ) Account statusOpen Type -- ResponsibilityIndividual RemarksPlaced for collection Original creditor name08 XXXX XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$2100.00} Open balance XXXX XXXX XXXX  Original creditor XXXX  OpenedXXXX XXXX, XXXX ( 5 yrs, 5 mos ) Account statusOpen Type -- ResponsibilityIndividual RemarksPlaced for collection Original creditor name08 XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$470.00} Open balance XXXX XXXX XXXX Original creditor XXXX  OpenedXXXX XXXX, XXXX ( 5 yrs, 4 mos ) Account statusOpen Type -- ResponsibilityIndividual RemarksPlaced for collection Original creditor name08 XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$380.00} Open balance XXXX XXXX XXXX XXXX Original creditor XXXX  OpenedXXXX  XXXX, XXXX ( 5 yrs, 3 mos ) Account statusOpen Type -- ResponsibilityIndividual RemarksPlaced for collection Original creditor name08 XXXX XXXX A
Product: Debt collection

Insurance claim filed back in XXXX, due to XXXX surgery, that my insurance company was responsible for and has since paid, some time ago.
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 the following accounts. I have already contacted all the relevant companies and submitted the required FTC to address this issue. Furthermore, the companies already removed the accounts from the bureaus. I'm surprised you're still reporting these fraudulent accounts under your bureau. Can you please give me a documentation of your verification methods? Otherwise, DELETE this account : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I went to XXXX XXXX  located in XXXX XXXX to obtain a personal loan. The first thing they had me do is sign a piece of paper stating that they were allowed to run my credit. After the lady was taking my financial information we realized because of my lack of income that I would not qualify for a loan. Because of this we both agreed that it would be best if I tried to have my wife cosign on the loan. After speaking with my wife she stated that she did not want to go through with that. I received several calls from the company but I never answered. We had decided that we would not go through with a loan. After the company did not get a hold of me they still proceeded to run my credit check on XX/XX/XXXX several days after I left the office. When I went up there to ask why they did that they said they had already ran my credit that day. So I asked her if she ran my credit before I gave her all my information in which the obvious answer was no. Her statements were obviously false because when I left the office the lady and I both agreed that I would be denied. So why would they run my credit knowing that it was going to be denied? I have a video of the conversation with the woman that ran my credit which I can provide. If someone was to investigate this I'm sure they would find that that's her job to run credit checks. I feel this is dishonest, unfair, and quite frankly a waste of eveyone 's time because as we had both agreed with no income my credit would be denied. So why would they run my credit anyways? I would like an investigation into the matter. I would also like for them to reverse any damage they have done to my credit do to an unauthorized credit check. These companies should not be allowed to do things like this. I know I signed a piece of paper but as I stated earlier we both agree that I could not qualify for a loan without any income. Also to run my credit days after I come into the office because they could not contact me by phone is fraud. For them to have a customer sign a paper for a credit check first before they even gather information about the finances of the individual is a scam so they can get away with things like this. 

Company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2024 I deposited a XXXX cashier 's check from XXXXXXXX XXXX into my checking account with Navy Federal Credit Union using their ATM. On XX/XX/2024, Tuesday, I received an email re information regarding my deposit. They were placing a hold on most of the money because they had " reasonable cause to believe that the check ( a cashier 's check made out to me going into my checking account ) is uncollectible from the paying bank based on confidential information that indicated that the check may not be paid. '' If the bank pays I can access the money 5 days after I deposited it. 

Not only do I object to the longer hold but the explanation states that there is some problem with this specific check and essentially says the check is suspicious. It sounds like they are accusing either me or the bank of passing bad check. 

I called the information number XXXX XXXX. First person could not say why the hold was place or what the language meant. She asserted it was generic or routine, which it is not because I have received other notifications without this " reasonable cause '' and confidential information '' etc. I spoke to a supervisor who said all checks took 5 days to clear and that this was generic and routine. I kept referring her to the language addressing the suspiciousness of this check. She said she would hang up because I kept asking the same question and that I was rude as I probably was raising my voice in frustration. She hung up. I called back later. Initially I was directed to the banks disclosure material which explained that most holds were 2-3 days and listed reasons for longer holds such as depositing checks in one day for > about XXXX. She transferred me to supervisor when I again asked why for this check. I was disconnected I sent an internal email twice asking for the reason and to be referred to their legal department because this language should be removed and replaced with the reason for automated extended hold. No help I visited my NFCU. They said that they could not say why and that this is all automated and they can not access this information. Referred me to legal department. 

Legal replied they do not have time to respond to me. 

I want this language to be removed and not used except when there is specific reason for suspicions regarding a check. If the extended hold is applied, the notification should state the reason such as redepositing a check, large deposits etc. 

This has been very distressing to be accused of passing bad checks and having everyone say it is routine. And it is not true ; NFCU neither received a tip from an informant nor investigated this check for its authenticity. In fact they all say this is automatic and no one has access to information. So please request that they use appropriate language in their notifications and that they provide a reason if a check is suspicious.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to Fair Credit Reporting act XXXX XXXX XXXX Mortgage Account # XXXX and XXXX XXXX XXXX Account # XXXX has violated my rights. 
15 USC 1681 Section 602A states I have the right to privacy 15 USC 1681 Section 604 A Section 2 also states a consumer report agency can not furnish account without my written instructions.
Product: Checking or savings account

This issue is in regards to the business account that was opened in XX/XX/XXXX. The company responded that I am not eligible for the bonus but at the same time honored the bonus to my friend. Please see attachment. 

I opened a business checking account at a Wells Fargo branch using the offer code that was sent to me on XX/XX/XXXX and had met all the requirements as of XX/XX/XXXX. According to the terms and conditions, I would get the bonus within 30 days after meeting all offer requirements. I have tried to contact the bank directly and still have not received the bonus yet. I have attached the supporting documents in this complaint for you to review.
Product: Credit reporting or other personal consumer reports

The accounts listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I checked my credit report and found out that I am a victim of identity theft. I am worried that these accounts weren't opened by me. This is hurting me because I am trying to get a home for my family. Please remove these fraudulent accounts from my credit report as soon as possible.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the late payment entries that appear on my credit report for the XXXX account listed under Account XXXX XXXXXXXX. The report indicates that late payments were made on this account, but I have reviewed my records and can confirm that all payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. Here are the details of the account in question : Furnisher : XXXX Account Number : XXXX Balance : {$0.00}