23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/2023 around XXXX, I attempted to open a new account at Pacific Western Bank and was told in addition to the opening deposit, valid ID, social security number, 2nd form of identification. I was also required to have a account at another bank and that pacific western would need to verify with actual bank statements from that other account. That it has been a requiremt for 1 year now in order to be able to open a new account and I would not be able to obtain an account unless I provided those verifiable statements to them. I called the XXXX number and they attempted to contact management without result.
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX XXXX Balance {$150.00} Open Date XX/XX/XXXX XXXX XXXX XXXX  Balance {$0.00} Open Date XX/XX/XXXX XXXX  XXXX Balance {$630.00} Open Date XX/XX/XXXX XXXX  Balance {$440.00} Open Date XX/XX/XXXX XXXX Balance {$350.00} Open Date XX/XX/XXXX XXXX Balance {$330.00} Open Date XX/XX/XXXX XXXXXXXX XXXX Balance {$100.00} Open Date XX/XX/XXXX Inquiries XXXX  Date XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX  Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXXXXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX
Product: Checking or savings account

Hi there, I was a client of Simple Bank. Simple was recently purchased by BBVA. BBVA did not send easy instructions on how to setup my new account and in the process my account was locked. I'm now completely locked out of my savings and debit account unable to access my money. No one from the bank is accessible to help me with my issue. Many Simple customers are now stranded without any access to their accounts and without any support from BBVA. I've been waiting for some sort of email communication letting customers know how to resolve these issues, but we haven't heard anything from the bank.
Product: Debt collection

I was contacted by a XXXX XXXX XXXX XXXX, on XXXXstating that I owe a debt of {$11000.00} for a Military star Credit card. As I explained to the collection company, I have never applied for or owned a military star credit. then around XX/XX/XXXX, I got a letter showing interest accruing on this fraudulent military star credit card to the tune of {$11000.00}. I asked them ( XXXXXXXX XXXX and AAFES ), to look into this account for fraud. the collection company has yet to provide a copy of the signed application or any pertinent proof, that I applied or received a credit card from the AFFES ( Army Air Force Exchange Store. 
I have sent notices to the collection company and also to the AFFES, and none have taken corrective actions to correct this injustice of identity theft. 
XXXX XXXX has now taken unprecedented actions in XXXX and seized my XXXX tax returns on this fraudulent account. 
I have been reaching out to attornies and other governmental agencies for assistance in this fraudulent matter, stating to these entities I did not owe this bill nor was it my account, to no avail on several occasions I was informed that this case is not going away because was like owing the IRS part of the government. I am still in search of and seeking to correct this wrong and prosecute the Individuals or whomever that have wronged and stolen my identity and created this fictuticious account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed an account on my credit that was inaccurate ( XXXX XXXX XXXX ). I sent a dispute to the the company, but the address listed on the credit report was inaccurate and the dispute was returned to me as undeliverable.

It's not legal for an account to report inaccurate address, so that a consumer is not able to dispute the account.

It's been over 30 days and the account is still reporting negative information to all 3 bureaus.
Product: Debt collection

XXXX XXXX XXXX has 2 accounts on my credit report. i have no idea what the debt is or who XXXX XXXX who they are collecting for is. I have never had an account with XXXX XXXX or heard of them for that matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a certified letter requesting compliance by Great Lakes Educational Loan Services Inc. to provide me the original instrument of Indebtedness for the following accounts : XXXX XXXX XXXX. I asked that they provide me documentation showing a wet ink signature ; which I did not recieve. I re-sent the request on XX/XX/2021 and as part of their response, I received a statement saying that a digital signature was acceptable ( see attached ). I disagree and ask that I be provided a promisary note bearing my signed, wet ink signature as asked and as required by law.
Product: Credit card or prepaid card

At first I let it go, I thought maybe it was my mistake. However I received a Similar value charge the following month on a much lower balance. I have now XXXX photos to Citibank as the rep I spoke to didnt care that I planned to frwrd the matter to the FTC all she would say it that it was, and I quote, system generated. So there isnt someone out there that controls that? Because what it looks like is someone is trying to get a $ XXXX fre every month from me, which they should just be honest about. The closing statement for the first month where I received the extra interest charge was 29 days and the reason for that is because the payments were made separately, so that even the agent argued with me and told me that I only paid a portion. Furthermore, theres a payment made at my bank that hasnt been attributed to anyone that is suspiciously close to the remaining balance and next payment. I havent looked into it yet, but if I do im certain Thats what I will find. Then, the following statement was given 32 days so that it could accrue extra interest. If you look at the statements the due date is before the closing date. So unsatisfactory. I can not believe I have to write in about {$20.00} because they are unfairly earned and the agents are unhelpful by calling it a SYSTEM. And then she claimed that I should JUST KNOW what and when I spent my money in. What if I did not? What if I am the type of person that needs help like that? So obviously you are not providing it or did not even train your agents to think about others like that but to top it all off your system requires me to be a mind reader so there is no way to avoid it if I buy something between certain dates. You should send reminders to people to not make purchases during those times for goodness sakes.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have send numerous letters to experian, all letter go with : 1.-copy of credit report with highlighted errors 2.- Dispute letter indicating all errors and demand to remove them 3.-Proper Identification, copy of DL, Voters ID, SS card this has been going on for the past 8, months and still is a night mare to get them to remove them, they send letters saying i didn't send proper ID, which is a lie or simply refused to investigate and remove just recently as yesterday my score drop 40 points and a loans i was doing got deny, here are errors which they refused to removed : Personal Statement Statements Personal Statement ( s ) XX/XX/XXXX &  XX/XX/XXXX XXXX ID SECURITY ALERT : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. I CAN BE REACHED AT XXXX. THIS SECURITY ALERT WILL BE MAINTAINED FOR 1 YEAR BEGINNING XX/XX/XXXX. ( i ask for this i send 2 letters and even call and ask to removed Inquires 1.-XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX 2.-XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX ( XXXX ) XXXX 3.-XXXX  XXXX XXXX XX/XX/XXXX XX/XX/XXXX All Banks - non specific XXXX XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX these inquires were not authorized by me, they dont have a signature, i never requested any credit by any of them
Product: Credit reporting or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters. 

Current XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Requesting Payment History for XXXX Wells Fargo Home Mortgage purchase my mortgage in XXXX of XXXX and increase an original mortgage of {$330000.00} ( XXXX ) to XXXX which cause me to go into default in XXXX after becoming unemployed. 

I was placed on a Forbearance program for that period I was unemployed in XXXX, and I sent my unemployment check every two week ( {$480.00} ) to Wells Fargo during the time. I was rein-employed in XXXX and started making regular payments. 
On my XX/XX/XXXX Statement payment due was {$7900.00}. 
YTD Summary Unpaid Unpaid Principal Bal XXXX Unpaid Second Principal Bal XXXX ( Buy-back Loan ) I worked the entire year of XXXX ; however ; I am not sure if I was allowed to pay mortgage because the foreclosure process had started. 
In XXXX I gave Wells Fargo {$32000.00} through the District Court, and I did not see a change in my mortgage default. 
I have been requesting a Payment History from Wells Fargo for Three ( 3 ) Months and I have yet to receive the PAYMENT HISTORY for XXXX.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NM XXXX XXXX The Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX Washington XXXX DC XXXX XX/XX/year> To whom it may concern, I am reaching out because there is incorrect information to my credit report b related to the account below : Jefferson Capital Systems LLC Account # Account number is not listed however it has a balance of XXXX As defined by the IRS. 



The IRS considers a charge off to be income, either as gross or ordinary income. Income like this doesnt belong on a credit report, so this information on my report is not accurate! 



By IRS rules, any canceled debt or char-off is classified as income. Reporting this as debt is incorrect. 



According to 15 USC 1681 s-2, Jefferson Capital Systems LLC , as the provider of information to a credit reporting agency is prohibited by law from sharing inaccurate information. Im requesting that you delete this inaccurate information from my report right away.

**15 USC 1681 s-2 ( a ) ( 1 ) ( A ) ** : A person shall nor furnish information relating to a consumer to any consumer reporting agency if the person has been notified by the consumer at the address specified by the person for such notices, that specific information is inaccurate and the information is, in fact inaccurate. 



In summary, Ive shown you that this information is wrong, and youve been notified. Keeping this inaccurate information on my report is a violation of the FAIR Credit Reporting Act and your role as a credit reporting agency. 



Please delete this incorrect information from my report immediately. 



Thank you!
Product: Credit reporting or other personal consumer reports

Upon checking my credit report, I have discovered that I have fraudulent hard inquiries reported on my credit report, these hard inquiries are not mine, XXXX XX/XX/XXXX | XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

To whom it may concern I am writing you to inform you that you are reporting transactions that does not include my consumer report. 

*XXXX XXXX XXXX XXXX In Accordance to the Fair Credit Reporting Act 15 U.S. Code 1681a - Definitions ; rules of construction ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. ( c ) The term consumer means an individual. ( d ) Consumer Report. ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 6801 - Protection of nonpublic personal information ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Product: Credit card or prepaid card

Bank of America opened a credit card with a {$30000.00} limit in my name to someone else 's email address and a false address. No purchases were made. When I found out, I got them to close the account however I asked that they notify the credit bureaus that this was a fake account so that the opening and closing of such a large limit account did not go against my credit score. I also contacted the three main bureaus myself. I was notified by XXXX that BoA told them I was wrong, and the account was a valid account. This is blatantly false and needs to be corrected with the credit bureaus.
Product: Credit reporting or other personal consumer reports

As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Collection/Charge Off 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 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/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This old Medical bill was never sent to me or disclosed to me at the time of service. This was a Co-Payment from my Insurance not covering the full amount, the amount shown is incorrect and I paid this account in full. I believe it should be removed from my Credit reports as it meets FCRA guidelines, This collection company for the hospital is practicing in bad faith, it shows that this was closed on XX/XX/2019 which is inaccurate, This was paid many years ago.
Product: Mortgage

My mortgage was in the process of a XXXX modificiation due to a financial struggle. I am currently XXXX payments delinquent, with an additional payment due before XXXX XXXX 2016. Once three months behind, the company will begin foreclosure proceedings. I made a payment via XXXX on Monday XXXX/XXXX/2016 that equaled an entire monthly mortgage payment. The mortgage company refuses to accept this, stating that they will only accept XXXX full months payments. Since then, they have also denied my XXXX loan modificiation, for reasons that they have yet to give me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Based on new information I would like you to reinvestigate complaint XXXX. As they responded in some instances they are able to determine if the disputed information can be changed or delete without having to contact the furnisher. I asking toto invoke this procedure in this dispute. 

Please see attached
Product: Credit reporting, credit repair services, or other personal consumer reports

Ally financial in regards to account number XXXX. Gave a response to a complaint ( CFPB Number : XXXX ). The issue with the response is it does not address the issue it simply deflects it. The agreement worked out was payment would be made on the account in exchange for the trade line to be removed in full. Theyre recorded phone conversations where the promise was made. Payment was made per Allys terms and copies of the check emailed with tracking and the check itself being certified and overnighted to Ally. A month has now passed and they come back stating that the tradeline will stay and should remain on my credit for the co signed account. It appears they scammed me out of the payment and didnt keep up their end of the agreement. 

I demand that CFPB help me with having the trade line removed. My next step will be to file suit in my local court for the fraud ally committed were not honoring the agreement they worked out
Product: Credit card

I have consistently made my payments on time for this account, which is causing me great stress to see a late payment error. I have never failed in my commitment to timely payments.
Product: Debt collection

Dear Sir/Madam, I am writing to file a formal complaint against Resurgent Capital Services LP for their willful violation of my consumer rights and predatory collection practices. I am deeply concerned about their conduct in attempting to collect on an unverified debt, despite my multiple attempts to verify the alleged debt. This harassment has not only caused me undue stress but also constitutes a clear breach of the Fair Credit Reporting Act ( FCRA ) and other relevant consumer protection laws.

The details of the violation are as follows : Collection Agency : Resurgent Capital Services LP Address : XXXX XXXX XXXX, XXXX, MI XXXX Timeline of Events : 1. XX/XX/2023 : I received a communication from Resurgent Capital Services LP regarding an alleged debt that I have no recollection of. Recognizing my rights under the FCRA, I immediately requested verification of the debt in writing.

2. XX/XX/2023 : I received an account summary from Resurgent Capital Services LP which did not produce a legally binding agreement ( in the form of any original contract ) or documentation confirming that Resurgent Capital Services LP is permitted to collect debts within the state of Maryland. Once again I requested, I followed up with a second verification request, once again adhering to the formal written communication method.

3. XX/XX/2023 : To my dismay, I received the same account summary itemizing the alleged debt that does not constitute as a legally binding proof of ownership of said debt and does not constitute authorization that Resurgent Capital Services LP is permitted to collect debts within the state of Maryland. I submitted written notice that the companydid not provide valid verification for the alleged debt within the 30-day timeframe as required by current FCRA laws and any additional attempts to collect on said alleged debt is a direct and willful violation of my consumer rights 4. XX/XX/2023 : Since then, I have continued to be harassed by Resurgent Capital Services LP with aggressive correspondence, demanding payment for a debt that remains unverified.

This situation is deeply distressing, as it not only negatively impacts my mental and emotional well-being but also points towards a deliberate disregard for my consumer rights. The actions of Resurgent Capital Services LP are in direct violation of the FCRA, which explicitly outlines the requirements for debt verification and the consequences of non-compliance.
Product: Credit card or prepaid card

Capital One Case : XXXX Merchant/Amount : XXXX XXXX {$62.00} Subsequent CFPB Case No : XXXX ( answered XX/XX/18 ) XXXX unanswered as of this writing 1. ) Merchant claims they issued a " merchandise credit '' vs. a credit to the original payment method. Merchant is incompetent and confused as the only merchandise credit or gift cards used at the merchant were XXXX presents. 

2. ) Merchant has not adequately explained as of yet as to why they would issue a " merchandise credit '' and not credit the original payment method utilized. 

3. ) By way of this complaint, I will continue to exercise my rights under the credit card billing dispute guidelines. Specifically, " Your Rights if You Are Dissatisfied With Your Credit Card Purchases ''. I've already attempted to correct the problem in good faith with the merchant. Further, under this right, all of the following are true : - The purchase as made in my home state or within 100 miles of my current mailing address, and the purchase price was over {$50.00}. 
- I must have used the credit card for the purchase. 
- I have not yet fully paid for the purchase. 

4. ) Lastly, the merchant failed to mention that the " bill to '' and " ship to '' address were different on the original order. Additionally, the merchant disclosure included XXXX tracking information showing delivery to the " ship to '' address, not the billing address.
Product: Debt collection

continued payment request for services of which have been paid. Proceeded to falsely contact the credit reporting agencies, effecting my credit rating.