23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

THIS COMPANY & ATTORNEY 'S OFFICE HAS MADE NUMEROUS ERRONEOUS ATTEMPTS TO COLLECT A DEBT FROM ME THAT I DO NOT OWE. THEY FIRST OBTAINED A JUDGMENT WITHOUT EVER SERVING ME PROPERLY IN 2004. I WENT TO COURT AND RE-OPENED THE CASE AND THE JUDGMENT WAS VACATED. THIS WAS UNDER ONE NAME AND INDEX # AND ATTORNEYS OFFICE, THEN THEY AGAIN TRIED WITH THE SAME ATTORNEYS, BUT UNDER A NEW ATTORNEY 'S OFFICE NAME, SEEKING THE SAME DEBT UNDER ANOTHER COMPANY NAME. THIS CASE LIKEWISE NEVER RESULTED IN A JUDGMENT. YESTERDAY I GOT A LETTER FROM SELIP & STYLIANOU , LLP, ( WHO WERE PREVIOUSLY " XXXX XXXX XXXX '' YOU CAN SEE THOSE ATTORNEYS STILL ON THE LETTERHEAD OF SELIP AND STYLIANOU ) ON BEHALF OF XXXX XXXX SAYING I OWE A JUDGMENT. MY WIFE AND I HAVE WRITTEN AND CALLED THEM AT LEAST 25 TIMES OVER THE LAST 13 YEARS TELLING AND REMINDING THEM THAT I DO NOT OWE THIS AND THAT THEY DO NOT HAVE A JUDGMENT AND STILL THEY SEND THESE LETTERS AND WHEN WE CALL THEY ARE NASTY AND INSIST THAT I DO OWE THE MONEY AND THAT I DO HAVE A JUDGMENT AGAINST ME. I AM AT MY WITS END.
Product: Debt collection

A company called XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX, CA, XXXX ), attempted to collect an invalid debt from me ( I believe they made a mistake through my insurer XXXX XXXX, but did not attempt to continue collecting the debt after I contacted them and explained this to them ). 

However, later a debt collection agency called XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX ) contacted me attempting to collect this invalid debt. By doing so, they burden me with responding within a limited time frame via certified mail to fix their mistake, a practice which I am sure they realize is time consuming and likely leads to errors they can take advantage of. Attempting to collect obviously invalid debt, either through malice or ignorance, should not be tolerated. I have sent a certified letter to the company ( included below ), explaining this issue, but by reading online found both companies involved appeared to repeatedly engage in this type of malicious behavior.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed are not my accounts, nor have I authorized any of these companies listed to run my credit. Please remove this information from my credit report. Thank you.
Product: Credit card or prepaid card

My father has passed XX/XX/XXXX, I got a probate and Im over his estate. I have been in contact with direct express since XX/XX/XXXX about what all I needed to obtain his remaining balance. Direct express only deals with clients via email when it comes to deceased clients, and they never responded to me until XX/XX/XXXX stating i was missing a document. I was told the process only took 4-6 weeks, I reached out in XX/XX/XXXX and one of their employees stated the funds were claimed and a check would be issued within 30 days. The email team keep stating they dont have a time frame and when i call their employees keep directing me to social security , i made a appointment with them and they stated everything i need to do is with direct express. It is now XX/XX/XXXX, no one has said anything and still no check has been received, this is ridiculous. Almost an entire year just to empty out the funds in a account, someone needs to solve this problem.
Product: Checking or savings account

After I found that Bank of American opened my CD account without my consent, I found Bank of America opened my retirement savings account without of my consent.
Product: Checking or savings account

I have corresponded with the banking institution and it is going on 2 years with no resolution. I have complied with the requests and documentation. Banking institution refuses to provide my account with the credit while they investigate the fraudulent activity. I have phone records and USPS certified mail receipt of the documents being delivered. USPS Certified Mail Receipt No. XXXX XXXX XXXX XXXX XXXX. Email also provided on XX/XX/2020 with the documents requested as well. The incident number they provided for reference is : XXXX. The banking institution customer service and " supervisors '' allege that the check was cashed by XXXX  XXXX XXXX, the intended payee of the check does not utilize XXXX XXXX XXXX to endorse any payments that I have made to them for 2 years. The checks that are attached for reference does not reflect the checks as endorsed, but instead is blank. The intended payee has stated to me this has NEVER been received and continues to bill me for these monies.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed inquiries not reporting accurately. I had a total of 8 inquiries on my credit profile that I did not authorized. The consumer reporting agencies have need to report all information with complete accuracy. Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Ive attached a copy of my report to this compliant. I'm now requesting you investigate and provide verifiable proof with record. If this information can not be verified I demand these inquiries be removed immediately. Thank you for your understanding and prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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.

purpose.
Product: Checking or savings account

This is an addendum for Complaint number : XXXX Briefly, the issue is that a XXXX XXXX credit card was added to my Wells Fargo Bill Pay account in mid XXXX and {$1900.00} was debited from my account to this card. I do not have an XXXX XXXX credit card, never have. Wells Fargo has determined that the debit was authorized by me. It was not. After asking severl XXXX reps about whether XXXX XXXX was contacted, I was told that they were, on XX/XX/XXXX. They did not share their findings but again denied my claim and closed my case. 
I talked with another Wells Fargo claims representative on Friday, XX/XX/XXXX and she informed me that XXXX contacted XXXX XXXX on XX/XX/XXXX and the notes in my flie reflected that in their contact with XXXX XXXX, XXXX XXXX could not provide any information as I was not on the line to provide consent. That was it and per the Claims rep, no other attempts were made to puruse this part of their " research ''. 
This claim, with the help of a bank manager I've been talking with said that she would see that the case is reopened with this " new information ''. 
I am at a total loss. I need your help in resolving this matter and holding XXXX accountable for their lack of investigatin and, in assisting me get my funds returned to me. Thank you. XXXX XXXX XXXX
Product: Debt collection

Creditor Information XXXX XXXX, XXXX. 
XXXX XXXX XXXX, TX XXXX Balance {$4500.00} Account XXXX This account was closed in 2014 Now its been reopened by a Collection Agency that's I had no agreement with Account was issued to XXXX XXXX My legal name has always been XXXX XXXX XXXX I asked this be removed from my credit report ASAP Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loans with XXXX  were never in bankruptcy you cant file in student loans. My loans were forgiven due to me becoming totally XXXX  and XXXX XXXX in XX/XX/2007.
Product: Debt collection

These scam artists are attempting to collect {$150.00} they are not entitled to because the original creditor that this bill originates from was informed that all statements are involved in malpractice litigation. The reps who have contacted me about this bill are rude and blatantly racist. I also informed the agency that this bill is part of litigation and they hang up, make threats, or are aggressive. They reported it to my XXXX  report and it needs to be removed!
Product: Debt collection

On XX/XX/XXXX I received an alert that I had a new collection on my credit report. I saw a company name that I was unfamiliar with, XXXX XXXX XXXX and an original company as XXXX check n go. I have never done business with this company. This just suddenly appeared on my credit report, and I never received a call or letter from this company in reference to this alleged debt they say I owe. I filed disputes online with the credit bureaus but, this company just updated the balance by XXXX dollar.
Product: Credit card or prepaid card

The company does not want to solve my complaint after disputing over and over again as they provide no proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I received a check from the Equifax Breach Settlement Fund without my knowledge about my involvement in the breach. Credit reports showed multiple negative reports by unknown agencies/individuals. All three credit bureaus ( XXXX, Equifax, and XXXX ) failed to contact me and/or obtain my consent, verify information, and investigate their records. On XX/XX/XXXX, a report was filed with IdentityTheft.gov for fraudulent reports but no action has been taken from the bureaus. A freeze was obtained for a few months. However, the lack of security from which the bureaus are obligated to protect has caused in loss of financial stability.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2021 I went to XXXX XXXX dealership in XXXX to lease a vehicle during that time my credit was ran XXXX times by the same bank I kept bringing it to that dealership. I called multiple times letting them know that I am refinancing my house and I needed a letter explanation why my credit ran multiple times by the same bank so they called the cops saying I am harassing them when the dealership messed up. I also tried to reach out to XXXX XXXX  multiple times so their lawyer reached out to me from XXXX XXXX  XXXX  in XXXX Florida the attorney told me that everything would be removed in 60 days if drop the court case. It is almost two years and my credit inquiries are still not removed like promised.
Product: Credit reporting, credit repair services, or other personal consumer reports

They are reporting a collection account in the amount of {$220.00} with XXXX XXXX. I have advised them that this is not my account several times. I have disputed this collection account several times with the credit bureau. They are still reporting this inaccurate information on my credit report. The other credit bureaus have updated my credit report and are no longer reporting this information.
Product: Debt collection

The following accounts are inaccurate and fraudulent. I did not own the following debt. I attached some screenshot of my report saying there are discrepancies in my accounts that the other bureaus do not have any input about the debt, please see attachment. 



XXXX XXXX XXXX / XXXX / {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX / {$1400.00} XXXX XXXX XXXX XXXX / XXXX / {$330.00}
Product: Credit reporting or other personal consumer reports

There is information disallowed by federal law that is on my credit report. This is suppose to be excluded. I never gave my consent in any form for this excluded information to be on my credit report. I am being taken advantage and harmed by XXXX XXXX disregard of the law.
Product: Credit card or prepaid card

To whom it may concern : My name is XXXX XXXX and my issue is with XXXX XXXX. I applied for an Evine account which I never knew they worked with this bank, which I heard terrible things about before. I always made my payments on time and as a matter of fact I paid my monthly payment almost twice the minimum payment. My minimum payment is of {$27.00} and my first payment I paid {$30.00}, and after that i paid {$50.00} every month. Seeing that the balance doesn't go down enough I started paying {$70.00}. Today, XX/XX/2018 I received a letter from Synchrony bank where it stated that my account was closed " DUE TO THE NUMBER OF OF DISHONORED PAYMENTS ON THIS ACCOUNT " I was perplexed when I saw this and called the bank right away. I was told that they closed my account because I SUPPOSEDLY had recurring payments on their website and that I failed to honor that. I told them I never did any recurring payments through the computer as I was paying them monthly by phone. I asked them if I am missing or missed any payment and they said no, ap basically they closed my account and are making it sound like I'm not paying my bill because of some recurring payment that was marked on their website and not because I'm not payments. I am a XXXX  and XXXX veteran living on a fix income and trying to fix my credit and for some crooked bank to try to harass me and try to denigrate my credit and reputation is wrong. I would greatly appreciate any guidance and support in this case before I place a lawsuit on this bank. Thank you
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX XXXX XXXX XXXX ( XXXX  ) concerning their improper handling of negotiable instruments I provided and the subsequent inaccurate reporting to credit agencies. 

As an informed consumer, I understand the obligations financial institutions have under the Uniform Commercial Code ( UCC ), particularly regarding the processing of negotiable instruments. According to UCC 3-104, a negotiable instrument is defined as an unconditional promise or order to pay a fixed amount of money, payable to bearer or to order at the time it is issued or first comes into possession of a holder, and payable on demand or at a definite time. 

In accordance with these provisions, I submitted certified negotiable instruments to XXXX as payments. However, XXXX failed to process these instruments appropriately. Some were ignored without justification, and others were neither processed nor returned to me. This negligence has led to unauthorized transfers of my securities to third-party agencies without my consent. 

Furthermore, XXXX closed my account without proper notice and reported inaccurate information to credit reporting agencies, adversely affecting my credit standing. 

I request the Consumer Financial Protection Bureau to investigate XXXX  actions concerning : XXXX. The mishandling and non-return of negotiable instruments I provided. 
XXXX. Unauthorized transfer of my securities to third parties. 
XXXX. The closure of my account without due process. 
XXXX. The dissemination of false information to credit reporting agencies. 

I seek remediation for the financial and reputational harm caused by XXXX  actions and assurance that such practices are rectified to prevent future occurrences.
Product: Debt collection

Relocated in XX/XX/XXXX closed XXXXXXXX XXXX XXXX XXXX  account due to I didnt have a new residence. Paid fees and last due, informed of no balance. 
Received an alert in XX/XX/XXXX about a collection placed on my XXXX credit. Collection was for aforementioned XXXX account in excess of {$850.00}. 
Submitted multiple disputes ( XX/XX/XXXX, XXXX ) to XXXX to investigate the collection for validity, asked for verification that original creditor communicated the debt and proof. Received no proof of communication from the original debtor that a balance existed 3 years ago to present. How can I have an account in collections if I was never notified of the debt? How is it legal to just placer a collection on someone credit report and not have to prove the validity nor research the communications or notifications? This has to be fraud or a mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Accounts : ED/XXXX  # XXXX, ED/XXXX # XXXX, ED/XXXX  XXXX, ED/XXXX  XXXX, ED/XXXX  XXXX, ED/XXXX  XXXX has violate 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

With the Care Act, student loans were put into forbearance. My daughter is buying a house and I want to refi my home. Her score dropped by a number of points because her federal student loan was reported in forbearance. ( she has no lates and has paid off her wedding debt in XXXX. This should be corrected immediately. The credit score should not be impacted by this. I pay her loan and I am a co-signer. I can pay for her loan. I was never notified nor asked is I wanted this. I know this is to help the country. I am not against that. But you are helping on one hand and slapping with the other. We need to get this fixed for her asap. She will have to pay a higher rate because her score is affected. She is at XXXX now. Her Mortgage score will be lower, I am sure. Her mortgage score before this was above 720.
Product: Credit card or prepaid card

On XX/XX/22 I closed Bank of America credit card ending in XXXX which was secured by my {$300.00} deposit. The card has a {$300.00} balance which I instructed telephone representative XXXX XXXX to apply to pay off, resulting in XXXX balance. 
XXXX continued to remind me to pay {$35.00} payment due XX/XX/22 despite my instruction to apply deposit to pay balance. The implication is that the bank is stalling on balance pay off to force my payment.
Product: Credit card or prepaid card

XX/XX/XXXX : I received an email that I have a past due amount of {$27.00} on an Amazon.com Store Card issued by https : //amazon.syf.com/ I closed months ago. I logged into my official accounts for Amazon & Synchrony on their official websites, and both are confirmed closed. I spoke w/ representatives for each company and they confirmed I do not have a past due amount and all the accounts are closed. They informed me there have been similar fraudulent emails that customers are calling about. 
I've received multiple emails over the last few weeks claiming I owe a past due amount and now there is an attempt to collect a debt. When I go to my account from the emails it shows a completely different account that matches the card # for the closed Amazon.com Store Card. 
I tried chatting on this fake site, and closing the account on this site at this link : XXXX XXXX XXXX This does not work. The Chat Bot doesn't answer the question, no way to get to a live person when I call the ph number listed XXXX.When I click on " Close Account '' and fill out the form it won't accept when I submit. 
This has been going on for weeks and I want to make sure that I do not have a negative report on my credit for this fraudulent charge.
Product: Credit card

I " auto-pay '' my monthly minimum balance by allowing Synchony to pull from my checking account. Originally, it was set up using the routing number and account number. This has worked for over a year, and my account is in good standing. Never missed a payment. 

On XX/XX/year> - using Synchrony 's online payment I attempted to pay off the balance of my card by entering the routing number and account number from my savings account. Same bank, same routing number, same account with a different suffix indicating that it was savings not checking. 

Synchrony had a message that the payment was successfully posted, and took over 5 days with a " processing '' notification. I received a " thank you for your payment '' email. 

On XXXX XXXX XXXX  - I was charged a {$30.00} XXXX XXXX XXXX XXXX XXXX  No other explanation. Money was never withdrawn from my savings account, and I received no error or overdraft notice from my bank. According to my bank, the transaction never happened. 

XX/XX/year> - I attempted to dispute the charge through their online chat. I was told that the charges could not be reversed and that the {$30.00} was charged as the payment was due to an unsuccessful transaction on Synchrony 's end as they " could not locate the account ''. I asked for written evidence of the error transaction and it was not given. The online chat session did not offer a way to save the conversation. {$30.00} is an excessive " junk fee '' for a " returned check '', no check was sent or received, it was all electronic. No errors, no evidence of a failed transaction, just a fee. Synchrony will not reverse the charge, nor will they give me a way to escalate or appeal. I am reporting it here. 

I
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Late Payment 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 XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX  Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed account to be blocked and deleted company information from TransUnion. 

Please delete the following accounts XXXX XXXX XXXX balance {$570.00} XXXX XXXXXXXX balance {$0.00} XXXX XXXXXXXX balance {$980.00} XXXX XXXX XXXXXXXX balance {$540.00} XXXX XXXXXXXX balance {$1600.00}
Product: Debt collection

On XX/XX/year> I received a harassing phone call from XXXX area code XXXX XXXX He stated he was going to take my home from me. He didn't care that I would be homeless. Nor did he care if my husband died. He was unbearable. I was scared of him. I've never been so scared. He stated he has my social security number my address and wanted my house and he will get it!. 
He gave me a phone number to XXXX XXXX XXXX I also received XXXX  XXXX from XXXX XXXX XXXX I also spoke with XXXX who also never sent anything in writing nor have they ever made contact with me personally by mail email, wells fargo, XXXX beforehand. XXXX basically made me feel forced to sign something illegally obtained. Or my home would be gone. She also made an illegal recording of me and said so afterwards. 
I feel like my life is in danger. Please help. 
I've spoke with XXXX XXXX XXXXXXXX XXXX XXXX  XXXX