23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Merchant contacted many times. See prev complaint XXXX where merchant failed to acknowledge previous contact attempts. Merchant advised does not have a contract of service where service was to be performed. Merchant is attempting to collect a debt for services not contracted/requested. XX/XX/XXXX ; XX/XX/XXXX ; XXXX- No calls or voicemails received from merchant. No letters, service contracts, signed bill of sale or supporting docs received from merchant. I have attempted many times to get this information yet the merchant does not answer the phone. Only contact was in XXXX by phone in which no docs supplied to me either. XXXX disputes contained a request for supporting docs but merch is denying this. The lack of communication by the merchant has prevented me researching this debt as well as having the proper information to support the charge. I feel merchant is using deceptive and abusive tactics due to lack of letters, supporting info, req for docs unfulfilled, false statements, and failing to answer phone after multiple reasonable and prudent attempts. I believe this merchant has committed a UDAAP violation and is attempting to collect a debt for a service that was not contracted/requested by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid the Midland Collection in full and I was told that the collection will be deleted from my credit 2 years from the first delinquency. On XX/XX/XXXX, I spoke to a manager at Midland who informed me that Collection is going to be removed on XX/XX/XXXX XXXX XXXX, XXXX ... 
As a result, I entered a contract to buy a house, knowing that this collection is getting removed on XX/XX/XXXX, and scheduled the closing date for XX/XX/XXXX. 
When I called back on XX/XX/XXXX, I was told " sorry the manager made a mistake and the account is not getting removed until XX/XX/XXXX XXXX!!! 
I was given FALSE info on XX/XX/XXXX, which resulted in me entering a binding contract to purchase a home knowing that this collection will REMOVED ON XX/XX/XXXX. 
MIDLAND manager MADE a huge mistake, and I am asking Midland to listen to the conversation that took place on XX/XX/XXXX, and take ownership for their mistake, and to DELETE this tradeline from my credit in its ENTIRETY.
Product: Credit card or prepaid card

The company has not credited the full chargeback amount of XXXX from XX/XX/XXXX paid to XXXX XXXX even though they have admitted that the company charged me the wrong amount and I have supplied them abundant evidence for chargeback reason code XXXX that the product or service was damaged.
Product: Credit reporting, credit repair services, or other personal consumer reports

JCPenney Credit card account opened XX/XX/XXXX is owned by Synchrony Bank,, XXXX XXXX XXXX, XXXX FL XXXX ; Phone XXXX The account has been paid on time with no late payments. 

On XX/XX/XXXX I applied for a credit limit increase from {$100.00} to {$1000.00}. At the time of the request and currently my credit is in the good standing, and my salary and credit history are good. 

However, the increase was denied. When I asked why, I was told it was based on information in my file- my credit score. I asked for a copy of the denial letter with the referenced credit score. I received a copy of the letter via email and in the mail. It was an old letter dated XX/XX/XXXX which referenced an old credit score from XX/XX/XXXX. XXXX was referenced as the consumer reporting agency. 

On XX/XX/XXXX I called the company again to try to get the old information updated in my file. I spoke to a representative at the number listed above ( same in letter ) and asked why the company is using outdated credit reports and scores to deny credit increases. It was a waste of time. He refused to assist and kept repeating " decisions are based on soft inquiries and credit reports in your file. '' When I asked what is the date of the soft inquiries and credit reports in my file, he kept repeating " its what's in your file and we don't have any control over it. It's automated. '' I countered multiple times saying " if the information is incorrect or automated who can fix it? '' He offered no resolutions and would not help so I asked to be referred to a manager or department who could assist. He said he needed to place me on hold and it would take a while for someone to assist. I was placed on hold for several minutes but no one ever picked up the line nor did he update me on status. 

I am seriously contemplating closing the account since it appears the company does not seem to care about the concerns of loyal customers. Any help provided would be appreciated.
Product: Bank account or service

Hello, I am a victim of a teller opening up multiple accounts at Wells Fargo. I started a new job in XXXX, Ca that issued their payroll checks through Wells Fargo. At the time of my employment I opened a checking account at the near by Wells Fargo branch-XXXX, Ca location with the help of a a female representative. Shortly after I opened my account, I recieved additional paper/physical checks via mail. At the time I thought this was a oversight and just got mailed additional checks. I was n't a check writer ... so this went over my head. More came over time and there I started investing. From there I called and called the Wells Fargo hotline and only got the runaround. This was very time consuming and no one had answers. Finally I called the XXXX Ca branch and started to get answers. It got escalated to some internal investigation. I felt helpless as they are a huge corporation. I felt violated. Someone was eventually terminated. I feel justice was not served. I told everyone I knew. People probably thought I was nuts and my boss at the time thought me spending time at the branch or calling Wells Fargo was XXXX. I eventually gave up..Defeated. 

Years later I see they are finally in trouble. I want to share my story and file a complaint to show this can not and should not happen to anyone. I would n't wish this on anyone.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS INSANE. 

4 months ago my car got wrecked. These clowns never once showed me money was due to me. I called them repeatedly I showed them my new address repeatedly. 

So then they reported me as delinquent on the money owed. For a debt they never proved existed.

I paid the debt *over two months ago* then they reported back to the credit agencies the credit was good/great.

Then on XXXX XXXX, so a full six weeks after paying them off for the debt they never proved *they reported me deliquent again* I even have a letter from them dated TWO MONTHS AGO SAYING THE ACCOUNT IS CLOSED.

I'm being reported deliquent twice for a non-existent debt. I have called them, I have wrote them, I have contacted all three credit reporting agencies.

PLEASE ACTUALLY DO SOMETHING
Product: Debt collection

EASTERN ACCOUNT SYSTEM put a collection on my credit on XX/XX/2022, somebody opened that account fraudulently on XX/XX/2022, balance owed {$200.00}.
Product: Debt collection

NOTICE TO DELETE FROM CONSUMER REPORTING AGENCIES NOTICE TO CEASE AND DESIST INTENT TO SUE AND WILL SUE LOVE SUING PLAINTIFF : XXXX XXXX XXXX XX/XX/year> DEFENDANT REPEATED OFFENDER : CREDENCE RESOURCE MANANGEMENT LLC XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEAR : CREDENCE RESOURCE MANANGEMENT LLC I NEVER GAVE CONSENT TO USE THIS NAME IN COMMERCE XXXX XXXX XXXX STOP VIOLATING THE FDCPA USC 1692D EXHIBIT A1 : I AM UNAWARE OF THIS ALLEGED DEBT I DIDNT HAVE THE OPPORTUNITY TO DISPUTE THIS ALLEGED DEBT I DIDNT RECEIVE PROPER NOTIFICATION IF IN FACT YOU BELIEVE IVE RECEIVED PROPER NOTIFICATION, PLEASE PROVIDE THE CERTIFIED MAIL WITH RETURN RECEIPT WITH MY WET SIGNATURE STATING THAT IVE RECEIVED IT.

ACCORDANCE TO 15 USC 1681s-2 ( a ) ( 7 ) A ( i ) BUT THE CEASE & DESIST DOSENT INCLUDE YOU FROM RESPONDING TO THIS REQUEST. IF YOU CANT PROVIDE ME WITH THIS INFORMATION, PLEASE DELETE THIS ALLEDGED ACCOUNT FROM MY CONSUMER REPORTS IMMEDIATELY. SEND ONLY CERTIFIED MAIL WITH RETURN RECEIPT WITH MY SIGNATURE EXHIBITA2 : I WAS MADE AWARE OF YOUR ATTEMPT TO COLLECT AND ALLEDGED DEBT AFTER I REVIEWED MY CONSUMER REPORT. PLEASE BE THAT I HEREBY DISPUTE THE ABOVE-LISTED ALLEGED DEBT IN ITS ENTIRELY. YOU ARE ON NOTICE THAT YOU ARE UNLAWFULLY ATTEMPTING TO COLLECT THE ABOVE-LISTED ALLEGED DEBT. CEASE & DESIST ALL COLLECTION ACTIVITY, INCLUDING REPORTING TO CONSUMER REPORTING AGENCIES ( CRAs ) BUT THE CEASE & DESIST DOSENT INCLUDE YOU FROM RESPONDING TO THIS REQUEST ABOVE IN EXHIBIT A1 AND IT DOSENT INCLUDE YOU FROM DELETING ALLEGED DEBT FROM MY CONSUMER REPORT. THIS LETTER IS EVIDENCE PROVIDED VIA TO THE CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ). THE CFPB IS AUTHORZED TO FULLY INVESTIGATE THIS MATTER AND RECEIVE ANY INFORMATION RELATED TO THERTO. BE ADVISED, IF YOU FAIL TO COMPLY WITH THIS LETTER, I MAY TURN THE MATTER OVER TO A CONSUMER ATTORNEY. Sincerely, .XXXX XXXX XXXXXXXX XXXX Living Woman, Beneficiary of acct # XXXX XXXX XXXX not the trustee UCC1-308 WITHOUT PREJUDICE
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 2 public records from Wisconsin Child Support reporting to all 3 credit reports as paid. Under the new law as of XX/XX/XXXX paid judgements, tax liens and public records are to be removed. Docket # XXXX was paid in XX/XX/XXXX. Docket # XXXX was paid in XX/XX/XXXX. I disputed with Equifax and XXXX XXXX to update these items has paid. Please remove these public records from all 3 credit bureaus.
Product: Credit reporting or other personal consumer reports

I urgently request the removal of a hard inquiry listed on my credit report. Upon reviewing my credit report, I noticed an inquiry that I did not authorize or recognize. I want to emphasize that I did not apply for credit or authorize any entity to make an inquiry into my credit history on the aforementioned date. This unauthorized inquiry is inaccurate and is negatively impacting my credit score.
Product: Mortgage

SPS took over this mortgage from XXXX on or around XX/XX/year>. 
Right away the did an escrow analysis. they came back with a {$6000.00} shortage and raised our monthly payment from {$1700.00} a mon a month.th to {$2300.00}. shortly after this we started getting notices from our City Hall saying out quarterly taxes have not been paid and they were putting our name in the local paper stating this. this has happened 2 times since SPS has take over our loan. We are on a automatic payment plan were the take our payment each month directly from our bank account, so we are on time and paid up. I have made multiple call ( over 10 ) to SPS customer service for an explination, nobody cant explain the {$6000.00} increase, but we have to pay it or they will forclose. 
I have requested in writting to have our taxes and insurance paid by us and to no longer use the escrow account provided by SPS, and to this they said no. I would be ok just paying the XXXX XXXX XXXX to them and paying our city taxes and insurance myself.
Product: Credit reporting

I recently questioned a bankruptcy on my credit report and requested the source of this information ... .The United States bankruptcy court sent a letter saying that they do NOT furnish information to credit bureaus ... .Experian is reporting INACCURATE INFORMATION ( NOT MINE ) THE FURNISHER OF THIS INFORMATION has not given them the correct person this item belongs to and I am requesting they DELETE this inaccurate information from my credit report ... ...
Product: Credit reporting, credit repair services, or other personal consumer reports

My mom who is XXXX. Was a co applicant on a car loan..I surrendered the car back to wells Fargo XXXX 2013..they resold the car. They keep reporting on my credit that I made payments and kept posting my report as if the loan is still open when it is n't I asked them to remote the entire account because their inaccuracy is hurting my credit I ca n't get another car loan..my mom XXXX and it was her car too
Product: Credit card

I received an alert on XX/XX/year> that there was an inquiry on my credit from the Home Depot. I have never applied for a Home Depot credit card. I tried to contact the Home Depot 's credit card department, but was unable to get in touch with a representative, instead I was continually redirected to unhelpful automated systems.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute a late payment entry on my credit report and to assert my rights under the Fair Credit Reporting Act ( FCRA ) and relevant sections of the United States Code ( U.S.C ).

According to my credit report dated 11/13/24XX/XX/XXXX, there are late payments entry listed for XXXXXXXX XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. However, I would like to bring to your attention that this late payment is inaccurate and unjustified. 
Under the FCRA, I have the right to dispute any inaccurate information on my credit report. Section 611 of the FCRA ( 15 U.S.C. 1681i ) mandates that consumer reporting agencies, such as yours, must promptly investigate disputed items and correct or delete any information found to be inaccurate, incomplete, or unverifiable.

Furthermore, according to the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 805 of Title 15 U.S.C., debt collectors must provide accurate information and refrain from reporting false or misleading information to credit reporting agencies.

I am formally requesting that you investigate this late payment entry and provide me with the following information : XXXX. Verification of the accuracy of the late payment entry, including proof of the alleged late payment. 
XXXX. Documentation demonstrating compliance with all applicable laws and regulations regarding the reporting of late payments. 
I expect a thorough investigation into this matter and request that you provide me with a written response within 30 days, as required by law. Failure to comply with these requests may result in further action to enforce my rights under the FCRA and FDCPA.

Please note that my consumer rights must be respected, and any failure to adhere to the provisions outlined in the FCRA and relevant U.S.C. laws will be pursued accordingly.

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Checking or savings account

There have been scams associated with my saving account that is from within. Email addresses and other people personal data are being stolen from people 's application. They are not doing a good job protecting data.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # XXXX XXXX XXXX XXXX  : # XXXX XXXX  : # XXXX XXXX XXXX XXXX XXXX : XXXX 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Hello, I have been in discussion with all 3 credit agencies with no results here are the three letters that have been sent.
Product: Credit card

I am writing to file a complaint against Wells Fargo regarding the expiration of reward points on my Wells Fargo credit card. 

Recently, I discovered that my accumulated reward points had expired. This came as a surprise to me, as I have never encountered such an issue with reward points expiring with any other bank credit card I have used. Upon reaching out to Wells Fargo customer service, I was informed that the points had expired according to their terms.
Product: Credit reporting or other personal consumer reports

I noticed unauthorized inquires on my credit report, I sent emails and certified mail to the credit bureaus and the creditors. XXXX XXXX XXXX. It has been more than 30 days and they have failed to respond and or remove the inquires.
Product: Money transfer, virtual currency, or money service

I initiated a bank to bank transfer of {$1000.00} dollars. Both banks in XXXX and linked and verified. When I transferred from XXXX to HSBC, the transfer is instant. I initiated a transfer on the XXXX from HSBC to my chase account. While it was very surprising that the funds will be available to me XX/XX/XXXX ( 5 days! ) ... the funds are not available and the transaction is still pending while the funds were taken from my account instantly. I rely on this money to pay bills and a simple transfer 6 days already in transit while I don't have the funds is simply unacceptable. I have bills due today and funds are somewhere ... ..feel nervous and cheated. I need HSBC to be liable for my late fees and interest while they simply illegally holding my funds. ( I check deposit would be instant as well ). At this days and time ... I find is to be illegal and unacceptable length of time. I'm starting to be nervous that they will steal my money.
Product: Credit reporting or other personal consumer reports

I sent a letter to remove ITEMS that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaint & I am including it again., XXXXXXXX XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXXXXXX Balance : {$160.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX : {$130.00} XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Good Afternoon, I am a US military service member, and a responsible citizen with a clean and well standing credit record. 
I was contacted by " FIRST FINANCIAL ASSET MANAGEMENT '' ( XXXX ) a Debt Collection agency. They contacted me to collect on a Fraudulent account, that was opened in my name in 2005, they threatened to blemish my credit profile and even attempted to " SETTLE '' the account. they have illegally purchased my personal information and identity from another debt collector or illegitimate source.
Product: Credit card or prepaid card

I opened a CareCredit account during my time as XXXX XXXX XXXX for an elective XXXX and for as long as I can remember I have never paid a payment over {$250.00} ( I think {$190.00} has been the highest payment that Ive paid unless I chose to pay more ). When I went to make my XXXX payment of around {$180.00} I noticed that my XXXX payment had shot up to {$440.00} with my XXXX payment being almost {$500.00}. Well XXXX XXXX I was covered under XXXX but since I have been XXXX and I am now a 100 % XXXX veteran, care credit has refused to help me or explain why my payments have almost tripled. Even without the protection of XXXX my payments should not be that much. I called several times on or around XXXX XX/XX/2022 and no representative would help me. They ( only using they because both representatives refused to give me their names ) told me there were no payment options other than closing my account and that I was just be forced to pay this money even though I live off of a fixed income. They would not explain to me how my payments almost tripled even with the backtracked interest from some of the promotional periods that had expired nor would they put me in touch with anyone who could help me. 

At one point I had to hang up and call back because the representative was not letting me speak. she kept speaking over me and when I told her I needed her to hold for a minute she just kept going on and on about my account and wouldnt let me get a word in edgewise. I would like the CFPB to look into CareCredit because as far as Im concerned Im not the only one thats experiencing this issue with them. 

I made payments on a regular interest rate before I was told that I qualified for XXXX while it was still XXXX XXXX and my payments were nowhere near what they are now. I am trying to understand how my payments almost tripled even with the added interest from promotional periods, which have expired. It does not make sense and I believe that this company is using deceptive business practices and charging exorbitant fees without explaining to the consumer why these fees are there or just charging them thinking that the consumer will not question them.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to remove these items ( A ). It is not permissible to fail to delete these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and they are reporting erroneous information about me. Destroying my reputation. They are not following laws from the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX placed an inquiry on my credit which isnt authorized and fraud. I called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX ( XXXX ) XXXX, and the person couldnt find me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX an XXXX company, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.