23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX XXXX XXXX XX/XX/year> Federal Trade Commission XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Washington XXXX DC XXXX Subject : Dispute of Account The Receivable Management Services ( {$450.00} ) To Whom It May Concern, I am writing to formally dispute a debt reported by The Receivable Management Services in the amount of {$450.00}. I do not recognize this account, and to the best of my knowledge, I have never entered into any agreement or transaction with this company. 

This account appears to be either inaccurately attributed to me or the result of fraudulent activity. I have not received any form of validation or documentation to support the existence or legitimacy of this debt. Therefore, I am requesting a full investigation into this matter. 

In accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am demanding that this debt be verified with full documentation. If this debt can not be validated, it must be removed from my credit report immediately. 

Please consider this a formal complaint and dispute. I respectfully request that the Federal Trade Commission investigate this issue to ensure compliance with all applicable consumer protection laws. 

Thank you for your attention to this matter. I request written confirmation once your investigation is complete and this inaccurate item has been removed from my records. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I made a dispute on Experian for an account called XXXX and Experian did an investigation but failed to correct the error on the account. This account reporting to my consumer report is showing Paid, Closed but is also showing inaccurate information. I have explained during the dispute that this account was not correct and I also went into detail on what wasn't correct. Again, Experian failed to correct this error. This is my last and final option before reporting this company to the Attorney General.
Product: Vehicle loan or lease

I have been a victim of identity theft. This has been an ongoing issue with the creditors along with the credit bureaus that I have worked with them trying to rectify these issues of fraudulent accounts. For over 1 year I have submitted multiple disputes along with providing all required documentation to support my dispute. I have provided the creditor and the credit bureaus with the police report, Official FTC Report, Drivers License, utility bill to support my unprecedented situation of Real Victim Identity Theft. As a result 2 of the 4 fraudulent accounts were removed on two different occasions. Since then has popped back onto my credit report due to the creditor resolving the accounts as fraud, then deleting the accounts after which they are selling the debt to a collection agency which then reports the same fraudulent account back to the credit bureaus and re reporting of each takes place. I have spoke to a multitude of different representatives and supervisors looking for assistance to get these accounts that I have NO ASSOCIATION with removed once and for all. I have been given little assistance with these matters and close to no response back at all at this point. This is ruining not just my credit, but this ongoing issue has ruined my life. Below you can find the account names and opening date and amount! 

ALLY FINANCIAL opened XX/XX/XXXX {$24000.00} XXXX opened XX/XX/XXXX {$31000.00} ( Chase ) XXXX XXXX XXXX opened XX/XX/XXXX {$4400.00}
Product: Checking or savings account

This is in response to the bank 's response to our previous CFPB complaint : USBANK did credit our account AFTER you forwarded them our complaint. However, their response is misleading. Within a day of our account being debited the altered check amounts we notified them, BEFORE the funds were dispersed to the forgers. This wasn't a difficult forgery case to solve, the memo area on both altered checks had not been removed and clearly said " IRS est tax pmt '' and " Calif est tax pmt '' along with my TID #. The " pay to '' line and the check amounts had been changed. It would be obvious to anyone that such payments aren't made to individuals. Yet it took almost 4 months to get our funds back!! This is gross incompetence at the very least!
Product: Checking or savings account

On XX/XX/2023, I went with a friend to the XXXX XXXX XXXX in downtown XXXX XXXX. I had XXXX drinks. After an hour the bouncer asked us to leave. He said it was because we were only purchasing drinks and not food. We were at the bar. We chose to go quietly. Halfway to the exit I remembered a picture frame I had bought. I asked the bouncer if I could go back and get it. He said no. I asked if he could escort me back to the bar just to grab it. Again he said no. He seemed to be in a big hurry to get us out the door. It was almost as if he was worried something would happen to us inside the restaurant in the next few minutes. 

My friends and I started walking towards the XXXX night club nearby. Along the way I lost awareness of my surroundings. I remember not being able to take care of myself. The same thing happened to my friends. We were roofied. Somehow we became separated. XXXX individuals approached me and asked if I needed help. I said yes. Please call my brother. I remember unlocking my phone so they could make the call. The following day I woke up in a sobering facility in XXXX XXXX with none of my belongings. Some time after XXXX XXXX  my purse, phone, car keys and debit and credit cards were all stolen. 

I filed a police report and submitted evidence of everything the thieves had stolen using my credit and debit cards. XXXX XXXX and XXXX  XXXX XXXX credited me back for all the fraudulent charges that went through them. Only Wells Fargo refused. Once the thieves had access to the lock screen of my phone they were able to get into my online bank account and make XXXX transactions. Both occurred on XX/XX/2023. Both were funds transfers from Wells Fargo. XXXX was through XXXX XXXX for XXXX. The other was through XXXX for XXXX. At no point did I authorize either of these transactions. 

I have been in regular contact with Wells Fargo since then. I submitted all the evidence, police reports and receipts to prove it was not me who made the XXXX transactions. Wells Fargo denied my claims. The reasons they gave were insufficient evidence and their assertion that they made no mistake. 

If insufficient evidence is the problem, I would appreciate Wells Fargo letting me know what additional evidence they need. If made no mistake is the standard for deciding accountability, then, clearly I was not at fault. I made no mistake. 

There are things Wells Fargo could do to avert situations like this. I had no idea thieves were using roofies to defraud banks. Wells Fargo, because of their size and sophistication, should be aware of the problem. They have some responsibility to protect their customers from problems like this. They could, for example, send out a warning to their depositors. Or they could require voice verification for transfers of {$1000.00} and above.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ( XX/XX/2020 ) - Is reporting a late payment when I have made all my payments on time
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/2023 and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

Upon opening a regions checking account XX/XX/2023 at least once or twice a month ( when I deposit a check weekly ) is held for a minimum of 4 days. They never give me a specific reason why nor are they able to release the hold. The letter they say gets sent each time with more detailed information says the exact same thing the email says and the exact same thing the customer service representative can tell me. Just general information that doesnt apply to anyone specifically. Initially I was told it was due to the age of my account and that once I got to 6 months it would stop happening. It has not stopped. My account is never in the negative, none of the PAYCHECKS have ever been denied due to lack of funds. There is genuinely no reason for it. The checks are never over {$1000.00} so its not even like theyre big number checks. They average $ XXXX. Ive spoken to a few friends who have had the same issue and have resorted to cashing the checks and then depositing the funds for use. I shouldnt have to do that. I have XXXX XXXX  children and limited time to be doing things like this. And regular expenses like most people that are constantly affected by these held checks. Whats the point of having the ability to deposit a check if I then have to wait a minimum 4-11 days to actually access my money. No one can give me a reason why. The checks are from another regions account so that shouldnt even be a factor. I dont understand and Im tired of it happening.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX VERIFICATION OF HOW DEBT WAS VALIDATED
Product: Debt collection

I received a collection letter from Nathan and Nathan with an address to respond at XXXX XXXX XXXX, XXXX, AL XXXX on XX/XX/2023, regarding a debt that they state they purchased from XXXX XXXX XXXX requesting that I respond by XX/XX/2023 to dispute all or part of the debt. I responded in writing and sent via certified mail on XX/XX/2023, requesting validation of debt pursuant to the FAIR DEBT COLLECTION PRACTICES ACT. In that same letter I asked that they no longer contact me via phone and that all communication be sent to my home address which was provided in the letter. I received confirmation of receipt dated XX/XX/2023 in which XXXX signed for the envelope ( USPS tracking number : XXXX ). Since then I have received numerous phone calls and messages to my phone and NO response to the proof of debt validation. Received a call on XX/XX/2023 and a voicemail was left, XX/XX/2023 call received and a voicemail was left, XXXX XXXX call received and a voicemail was left, and the last one was on XX/XX/2023 call received and a voicemail was left. Not only have they not responded to my request for validation of debt but they continue to harass me with phone calls when asked not to. In the letter I asked that if debt validation was not presented within 30 days of their receipt of request for validation, all references to this account be deleted and completely removed from any credit bureaus reporting platforms and that a copy of such request for deletion be forwarded to me immediately.
Product: Credit card or prepaid card

I have been a member with Citibank for four ( 4 ) years with multiple products ( checking, savings and credit card ). Within these four ( 4 ) years with Citibank I have been a stellar client ; having never been late on a payment and keeping my utilization low. I was a big fan of their Double Cash Back card and recommended this card to many friends. However, Citibank has drastically reduced my credit limit from {$11000.00} to {$300.00} for no apparent reason. I received a new line of credit ( that was not a Citibank card ) that I needed to use the full balance on. My current Citi card had a {$0.00} balance. Citi reduced my limit and stated that I had 60 days to dispute/correct my credit report ; which I continuously did for those 60 days. I drastically lowered my utilization on that new card from roughly 90 % to roughly 15 % within that 60 day timeline. I have never given Citibank a reason to question my payment history or be deemed a high risk client. This lender having stripped my credit limit so drastically has me feeling stripped of a four ( 4 ) year relationship as well. Obviously I am an individual who is actually concerned with their credit score and understands its many factors. I completely understand the how the pandemic has affected others from paying their cards, however I obviously see that I am just a credit score number rather than an actual client for the past ( 4 ) years. If Citi saw any reason to be concern, could I have not been granted a " warning '' or be given 60 days to correct the balance BEFORE the credit limit dropped. This would have been done out of courtesy to save face that clients are not just another number to these institutions. I constantly stayed in touch with the representatives to keep them updated and truly build a rapport and more than once, on many different levels, I received conflicting messages that failed me as a customer from the representatives mentioning pulling from credit bureaus that differed from their correspondence. If I corrected the action within the 60 day timelines as instructed, why may I not receive my limit back? Needless to say, for those individuals who do understand that the purpose of credit is to also use it, I was punished by Citibank for doing that exact thing and paid down my utilization by over 50 % in 60 days, during the same pandemic that made you deem me a risk. I will not close the card obviously, because of the credit history, but no worries Citibank, I have removed all my other products from your institution.
Product: Credit card or prepaid card

This complaint is related to XXXX already existing complaints with the CFPB, XXXX and XXXX. Please see attached letter for the detailed complaint. 

In summary, I have been subjected to privacy violations, likely Fair Credit Billing Act violations, and in general an inequitable and opaque dispute process.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I disputed an unauthorized charge of {$1100.00}, prior to this charge my card balance was $ XXXX.with a {$750.00} limit and my credit score was XXXX The very next day on XX/XX/21, XXXX XXXX XXXX XXXX XXXX  XXXX wrongly reported my card balance at {$1400.00}, placing me over the limit a few days later my credit score dropped to XXXX. What is also suspicious to note. This account is always reported on the XX/XX/XXXX of each month, why would XXXX XXXX report almost 2 weeks early? 

I contacted XXXX on XX/XX/21 and was told the {$1100.00} unauthorized charge is still being investigated and no one could answer why it was reported to the credit bureaus and why reported early. 

This is a reckless violation of the FCBA, the FCRA and numerous State of Michigan consumer protection laws. Further, I believe XXXX deliberately reported the inaccurate balance I applied for a PPP loan through the Relief bill for {$170000.00} to save XX/XX/XXXX and received a call today that I was denied in large part due to the most recent negative furnishing. The loan officer said I needed a score above XXXX and the over limit that was recently reported was significant. I will now likely have to dissolve that XXXX.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXXXXXX Balance : {$20000.00} XXXX XXXX Balance : {$17000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

onXXXX XXXX odf XXXX Chase decided to tell the credit bureaus that my account was in a bankruptcy. This violates section 15 U.S.C. 2 1681 c [ a ] [ 1 ]. This can not be repoerted with any mention of a BK. They have also erased my pay history, even though i paid the for 13 years. This hurts my credit and it is violating the federal rules.The BK was filed over 10 years ago.
Product: Debt collection

I am writing to you today regarding the following accounts with Synchrony Bank : - Syncb/Banana Rep XXXX. Credit limit : {$4000.00}. Date opened : XX/XX/XXXX. 
- Syncb/Amazon XXXX Credit limit : {$100.00}. Date opened : XX/XX/XXXX. 

There are some incidents that even if we dont want, have a big impact in all areas of our life, including the financial life. This is what happened to me a couple of years ago. I was in an accident, and fell behind on bills, and was put in therapy afterwards. Id be able to provide proof of this accident. 

I continued with my life but the consequences this experience caused are still around. Ive been working so hard to accomplish one of my biggest dreams and get a house. However, these accounts are causing me a big issue because I havent been able to make my credit score increase. 

I am a loyal and happy synchrony customer, and I am requesting the two accounts to be removed. Sometimes falling behind on a bill is just one more damage of a bigger fact. I am just trying to get a fair solution to this issue and I hope Synchrony can hear my story and help me. 

Thank you
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX  XXXX # XXXX -DATE OPENED XX/XX/XXXX Account Name : XXXX  XXXX # XXXX -DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX -DATE OPENED XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXXXXXX  ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), an auto loan account opened at XXXX on XX/XX/XXXX under the account number ( XXXX ), an auto loan account opened at XXXX on XX/XX/XXXX under the account number ( XXXX ) These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive sent multiple cease and desist letters to XXXX XXXX already with no response. This is what is in the letter and what you need to send to them. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Georgia [ XXXX ] XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX : XXXX XXXX account number ending in : XXXX NOTICE : CEASE AND DESIST Pursuant to 15 USC 1692e ( c ) ATTN : To whom it may concern, I, XXXX XXXX the natural person Consumer '' ), have become aware of ( multiple violations of Consumer Credit Protection laws by XXXX XXXX XXXX ( " Debt Collector ' ), in connection with the collection of an alleged debt. I have suffered various abuses including, but not limited to, identity theft, misleading representations, harassment, and the use of obscene and profane language in connection with the collection of the alleged debt. 

Pursuant to 15 USC 1692e ( c ) and 15 USC 1692g ( b ), I dispute the alleged debt and am demanding that you cease all communication through any mediums unless it pertains to the validation of the alleged debt or remedy for violations that occurred. 
Pursuant to 15 USC 1692c ( c ) ( 2 ), I am invoking specified remedy as the original Creditor, and demand the following : *Send an Audit Trail pursuant to 15 USC 552a ( d ) including all documents, including but not limited to, signed credit applications, assignments, purchase of debt, ledger of the account, and anything else relating to the Consumer for review and validation XXXX  out the balance and delete all accounts held by Debt Collector from all consumer reporting agencies ; *Remove all remarks or comments off all consumer reports ; and Cease communication and use of my intellectual property, unless it pertaining to the validation of the alleged debt or remedy for violations that occurred. Any further Communication with the Consumer must be in writing. Delivered via mail to the mailing location above. 

Again, this is a notice pursuant to the Fair Debt Collection Practices Act ( FDCPA ). Failure to honor the demands and provide the required documentation for proper validation of the alleged debt within 14 days of receipt of this notice, shall : a ) be taken as tacit agreement to the claims set forth, b ) grant the Consumer all demanded remedies, and c ) may result in litigation. 

( Janetos v. Fulton Friedman & Gullace , LLP. 825 F3d 317, 325-26 ( 7th Cir : 2016 ) *assignees who are " debt collectors '' are responsible for the actions of those collecting on their behalf '' ; citing Pollice, 225 F.3d at 404-05. ) Respectfully, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I sent in a dispute to all three credit bureaus on XX/XX/23 to have a collection account removed that did not belong to me. I also sent a validation letter to the collection company to provide me with proof that this is my debt and validation of ownership that they are legally able to collect on it. I have NOT received a response nor any more attempts to collect the debt from the collection agency which proved to me that it was a possible scam/illegally trying to collect funds from me. I provided this information to All three credit bureaus and the dispute results came back updated and verified. I then contacted XXXX directly to go over my results and they assured me they will put in a dispute for investigation. XXXX days later, the dispute was completed. It was again updated and verified. I asked for a copy of the exact investigation process that was used to determine the outcome they provided and was told a copy of my report will be sent to me. I explained Im not asking for a copy of my report but for information of how they determined their reinvestigation to be accurate in XXXX days when the normal dispute process is 30 days. It was NEVER provided to me.