23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, GA XXXX Date : XX/XX/XXXXXXXX  Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Dispute Regarding Inaccurate Personal Information on Credit Reports To Whom It May Concern : I am submitting a formal complaint regarding inaccurate personal information that remains on my credit reports despite multiple attempts to have it corrected. Specifically, I have contacted all three major credit bureausEquifax, XXXX, and XXXXbeginning in XXXX and continuing through XXXX of this year to request the removal of old addresses and phone numbers. However, the same outdated information continues to appear on my credit file. 

The outdated addresses include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have also attempted to delete old phone numbers that are no longer associated with me. Despite providing the necessary information and documentation to the credit bureaus, these inaccuracies persist on my credit reports. 

Requested Resolution : I respectfully request that the CFPB : 1. Investigate why my requests to delete outdated personal information have not been addressed by the credit bureaus.

2. Ensure the removal of all inaccurate addresses and phone numbers from my credit file.

3. Confirm whether this issue has affected my credit profile or financial reputation. 

Supporting Documentation : I have attached copies of the correspondence I sent to the credit bureaus, along with any responses received. Additionally, I am providing proof of my current address and phone number to assist with verification. 

I appreciate your assistance in resolving this matter. Please contact me at [ your phone number ] or [ your email address ] if you need additional information. 

Thank you for your time and attention. 

Sincerely, XXXX XXXX
Product: Debt collection

XX/XX/XXXX : Consumer was alerted to unauthorized Inquiry ( s ) by XXXX who assured consumer absolutely no accounts opened / credit extended ; XXXX Incident # XXXX processed by XXXX XXXX female ) at ( XXXX ) XXXX on XX/XX/XXXX XXXX XXXX. 

XX/XX/XXXX : A ). XXXX falsely reported unowed debt to consumers spotless credit reports ; and, B XXXX. XXXX refuses to issue correction to credit bureaus after receiving notification of their errors.
Product: Checking or savings account

On XX/XX/XXXX Wells Fargo froze my account. I called and spoke with someone and on XX/XX/XXXX they sent all my information into XXXX XXXX and without giving me information on what was going on and closed my account and froze my funds. This in turn put me into a very bad financial situation and made it very difficult for me to pay my bills and get things straightened out. They also wouldn't tell me anything and when I went to get another checking account, they informed me they couldn't because of what was sent into XXXX XXXX. I then contacted XXXX XXXX and found that before the investigation was even started that an executive named XXXX had already sent in my information without telling me the reason. They did not offer any other ways to rectify this and did not care that I had minimal ways to pay my bills. As a result of all this I incurred tons of emotional and physical damage and want to warn others that may consider banking here. They froze my account for over a month and made it very very hard for me to do anything. I feel compensation should be in order as it was over a month before I actually found out the reason for it being frozen, which it still shouldn't have been.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, XXXX Credit Bureaus must update the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Equifax is failing to comply with FCRA Sections 605B and is also in breach of Sections 616 & 617 for willfully non-complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted multiple complaints informing Equifax that I was a victim of identity theft. Equifax is failing to block or remove the accounts from my report. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged accounts, I validated the identity theft with a federal law enforcement agency ( which they're claiming I haven't ), I submitted the identity theft reports, provided a report circle the fraudulent accounts, an affidavit from the FTC website & provide a photo ID for their records. Equifax has claimed the accounts listed below have been verified and are accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have the following accounts blocked/removed : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Debt collection

Beyond upset with how call handling from an agent and lead. Agent hung up on me on the first call, when I called back she threatened to hang up on me. I requested for further escalation. Call was transferred to a " lead '' who was not helpful. I was told a supervisor would get back to me.. call back number was verified for sup to contact me. I was never contacted. The agent was beyond disrespectful. i will continue to escalate my compliant to the higher ups if need be.
Product: Credit reporting or other personal consumer reports

The existence of these unauthorized accounts and inquiries has caused me significant XXXX regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Consumer Loan

I got an email say I applied for a loan and was denied for a loan. I did n't apply for a loan. When I called them they wanted to give me a gift card and more information. I told I do n't need a gift card, I did n't apply for a loan. I just want to get to the bottom of this. He gave me the # XXXX ( which I know is just a directory for info ) and said it was the number to he 's supervisor. This is a scam and how did they get my SSN #?
Product: Credit card or prepaid card

American Express aggressively campaigned for existing members to add an interest bearing credit account to their traditional legacy charge cards. The terms included accessing a late fee if you were 30 days past due on your account which was consistent with their charge card policy. 

Now in the middle of the Coronavirus pandemic and financial difficulty for all, AMEX is looking to capitalize on everyones misfortune by Informing cardholders on their XX/XX/2020 statements that they are changing this policy to start charging large late fees IMMEDIATELY when minimum payments are not received by the due date, essentially 30 days earlier to what it was. 

Not only is this an underhanded stab at cardholders, it is a cruel, cold, and calculated way to profit from the misfortunes caused by the Coronavirus outbreak!
Product: Credit card

{$250.00} XXXX XXXX XXXXXXXX purchased on XX/XX/XXXX and issued from XXXX XXXX California. On XX/XX/XXXX the card was activated over the phone. Card states " Good thru XX/XX/XXXX ''. On XX/XX/XXXX attempted to use the card and it was declined. On the same day, called the issuer to understand the problem. Issuer stated the card was expired. I advised issuer the Credit CARD XXXX of XXXX prohibits the sale general-use prepaid cards that expire sooner than 5 years after the date of issuance. Issuer told me too bad, file a complaint.
Product: Debt collection

I requested to have this account validation of an alleged debt from Bank of America, they : failed to update consumer reporting agencies that the account was being disputed failed to provide proper disclosure and notices required by law violated the FCRA by failing to follow reasonable procedures to ensure maximum possible accuracy when preparing credit reports concerning me as a consumer used instrumentalities of XXXX XXXX via the mails in a business purpose in the collection of debts, and/or regularly collects or attempts to collect, directly or indirectly, debts owed or due, or asserted to be owed or due another failed to provide initial and/or subsequent correspondence that an attempt to collect a debt as prescribed in the Fair Debt Collection Practices Act failed to provide the adequate disclosures required under the Truth in Lending Act. 
required Plaintiff to include charges of a type payable in a comparable cash transaction for the finance charge which is a violation of 15 USC 1605 failed to provide the Plaintiffs right to rescind which is a violation 15 USC 1635 failed to provide the Plaintiff with the right to have insurance included in the finance charge and that is a violation of 15 USC 1605 failed to provide the name and address of the original creditor ; verification of the alleged debt which is a violation of 15 USC 1692g ( b ).

failed to provide proper validation of the alleged debt used false and misleading debt collection practices by failing to communicate that this alleged debt is disputed which is a violation of 15 USC 1692e ( 8 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, my wife and I went to purchase a XXXX XXXX XXXX ( used with XXXX miles on it ). Our credit was run and we were told by the dealer, we had excellent credit 800+ ( as my wife and I were already aware ). We were given an interest rate of 5.9 %. 
On XX/XX/2019, we received a letter in the mail stating our credit report was ran through XXXX  ( score of XXXX ) and SageStream LLC ( score of XXXX ). The reasons given by SageStream LLC for our score were ; Too few active accounts, Limited Credit History, Too few installment accounts, Proportion of satisfactory trades too low. 

My wife and I both received very similar scores on both reporting agencies. We have fully paid off three vehicles ( two being brand new ), credit lines ( not maxed, paid in full, all bills paid on time, etc etc. ) I looked this company up and found this to be a VERY common problem in which people go with great credit and receive high scores from every but SageStream LLC. I personally don't like this company low balling me and potentially getting me a higher interest rate, when I am very financially savvy.
Product: Checking or savings account

Hi, my name is XXXX XXXX! My account number is XXXX. I have been noticing that Citizens Bank is Double charging me on my account! I There are several things that I've paid for that were posted, and I was only able to charge only the money i had in my account, and the account had a balance of XXXX. As soon as my check direct deposit from my job went into the account, it took money from things that had already cleared and posted. I just took out XXXX in the bank, and nothing was pending, and instead of the XXXX deposit for XXXXXXXX XXXX XXXX  ( which is my employer ), it deducted another XXXX. I paid my phone bills with my last XXXX in my account, and it also took back that money as if it never posted, double charging me! I noticed that the bank would deduct for pre authorized charges and return a check, but not credit back the account, as if it actually paid for those pre authorized holds. This bank is absolutely robing me! I turned off the overdraft so I can only charge what I had available, and still it is double charging me and changing the dates as to when things actually posted, and even if things posted a few days later, it was already deducted and cleared, but yet and still the bank would charge again. This is ridiculous! This bank is clearly taking my money! I turned off the overdraft and left the account balanced and Wake up to see a negative balance! When I am expecting the XXXX deposit for the car rental to post back.. furthermore, my card was used at an atm and I filed a claim, and that XXXX should've posted but hasn't, instead I have a negative balance for a charge that was already deducted! This bank is stealing from me! There's no doubt about that! Especially when my account had no activity for a week and then my check posted and it deducted charges that had already been paid and posted..
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple complaints about XXXX XXXX and how I told them that I was sold a car that was in an accident. I told them that if I had known the car was in an accident I wouldnt have purchased the car. I also told them to cancel the deal with the dealership. 
Attached is a conversation I had with the dealership through XXXX  on in which they stated how they dont have to give a XXXX XXXX and how they still sell cars that were in accidents without telling customers. 
Not giving a XXXX XXXX was concealing the fact that the car had an accident because within less than 3 weeks of getting the car it had to be taken to get fixed 2x. XXXX didnt car about customer satisfaction. A lot of the fees that the bank is trying to collect was not a part of the loan. I told them to cancel the loan because the car was defective and in an accident.
Product: Money transfer, virtual currency, or money service

I added money to my cash app and it's disappeared. At this point its happened twice. It doesnt allow you to screen shot some places. I asked for months for resolution and refund. I never got a clear answer. I even tried to file the class action. It said I couldn't process it. I reached out to them before the deadline and still not help or resolution.
Product: Debt collection

LVNV FUNDING LLC C/O RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Debt Validation Request Pursuant to 15 U.S.C. 1692g To Whom It May Concern, I am writing to formally request validation of the debt referenced in your recent communication. Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g, I am entitled to request and receive proof of the debt you claim I owe. 

Please provide the following information : 1. **A detailed history of payments** made by me on this account, including dates and amounts of each payment.

2. **A copy of the contract or agreement** that bears my signature, which legally obligates me to pay this debt to the original creditor.

3. Information on whether any **insurance claims have been filed** in relation to this debt, and if so, the details of such claims.

4. **Proof of your authority** to collect on this debt, including documentation that establishes the chain of title from the original creditor to your agency.
Product: Mortgage

On XX/XX/XXXX submitted complaint no XXXX on problems during payment process making it difficult to make payment due to portal issues and bad customer service. That was part of the total complaint. The second part was not resolved. That is the nature of this complaint. Escrow account increased as it relates to insurance from XXXX to XXXX per year. After review of insurance with XXXX agent, net increase on all insurance coverages and not all paid by escrow was {$1000.00}. A difference between XXXX and XXXX insurance of {$2600.00} while actual insurance is significantly less than that amount. Need cfpb to impose sanctions or something to make this lender stop these practices since it appears that they have no respect for customers and oversight agencies.
Product: Credit reporting

the date of debt place on my report is over 10 years 2006
Product: Payday loan

I had several payday loans from different companies and for the same amount of money as Big Picture. Those loans got paid off. Big Picture/Castle kept going and going. Then XXXX day they texted me that my payment was sent back from the bank. I called back to try and get this solved. They said the text said it was turned to collections. I panicked, the text did not say that. I began to feel something was wrong so I notified the XXXX and filled out a report. In the mean time, they repeatedly call be on my landline and cell phone day and night, every day. They call and then hang up.
Product: Debt collection

I have been paying $ XXXX for many years. I never received an initial communication. I only revived many harassing phone calls threatening legal action. I want proof that this is mine.
Product: Debt collection

On XXXX XXXXXX/XX/XXXX - I received an initial notice of collection from Genesis for a debt that was paid for back in XXXX  total {$700.00}. I then requested for a debt validation request on XX/XX/XXXX which the company sent back the requested document on XX/XX/XXXX. Upon closer inspection, I noticed that there was several discrepancies such as missing payments that was not recorded properly. I then followed up with the receipt of proofs showing that I had paid for the initial deposit. On the same report, there was also proof of credit reversal approval from the leasing company back to us which was then reverse again to shown that we owed that amount. I consulted with an attorney and here is what was written back to the collection company " On XX/XX/XXXX at approximately XXXXXXXX XXXX I contacted your office seeking an update on my ongoing matter, which was previously discussed with XXXX on XX/XX/XXXXXXXX XXXXXXXX had informed me during our previous conversation that he would contact the XXXX to provide further clarification regarding the charges in question. However, to my surprise, XXXX stated that there was no record of XXXX 's commitment to reaching out to the XXXX on my behalf. 

In light of these conflicting accounts, I felt it necessary to consult with legal counsel regarding this debt collection attempt. The attorney I consulted with carefully reviewed the evidence provided, including receipts and the ledger sent by your team. Based on their analysis, it has been determined that this debt collection effort lacks validity. 

To be absolutely clear, according to the available evidence, I do not owe any additional payments to the XXXX. Given this conclusion, I kindly request an immediate cessation of all debt collection activities related to this account. 

To provide further clarity and transparency, I would like to outline the timeline of events as follows : XXXX XXXX XXXX ] : Receipt payment for {$400.00} and {$200.00} ( attached in the earlier email ) totaling {$600.00} in deposit. Notably, {$200.00} of this payment did not reflect on the ledger. 
XXXX. [ XX/XX/XXXX ] : Lease cancellation; Spoke to an agent from the leasing company named XXXX XXXX to request for a refund. 
XXXX. [ XX/XX/XXXX ] : Approval of a {$400.00} reversal, which my attorney has noted is an admission by the leasing company that they approved the refund and can not subsequently reverse it. 
XXXX XXXX XXXX XXXX : Forfeit of deposit amounting to {$100.00}. My attorney has clarified that, as we did not move in and no lease term obligates us to pay {$100.00}, this forfeiture is not valid. '' I had spoken to their reps several times and email them to no avail. I was told by the agent that because there was a requested chargeback from the credit card company for which I requested for those receipts which they had ignored. I did not received any payment from the leasing company as per what the collection agency has said.
Product: Debt collection

To whom it may concern I have been in contact with a debt collector that works out of the office of XXXX. 
Address : XXXX, XXXX, MI XXXX. 
They claimed that they had sent notices about the credit card debt but I never received any information from then until I had been informed from mine and my wifes bank that our savings account was being garnished. After I contacted the company I received a letter from them. I sent them the information they requested and a letter of debt validation ( certified mail ) on XX/XX/2016. I called them today XX/XX/2016 and they are refusing to send me any information about the debt they claim I owe. From the research I have done they are breaking the law under the ( FDCPA ).
Product: Vehicle loan or lease

The dates of all my payment history were current and I paid about {$2700.00} in payments on the original {$8200.00} balance of the vehicle. I communicated with the dealership and turned the vehicle in because of it being over priced. Credit Acceptance stated that there was balance owed on my credit of {$9200.00} which is incorrect also a repossession appeared on my credit. I requested proof the check from the lending bank and Credit Acceptance never communicated back to me.
Product: Checking or savings account

I received an email from my bank, Chase, at XXXX XXXX on XX/XX/XXXX. The email was from fraud services asking if I made four certain transactions. Two of them were mine and two of  them were unauthorized. I then contacted them to let them know about the unauthorized attempts. One of the transactions was from XXXX in California for {$100.00}. I live in Texas. This transaction was immediately deducted from my checking account. The other unauthorized amount was for {$980.00} at a stadium goods and shoe store which Chase declined. Upon reviewing my account details online, an additional unauthorized amount of {$1200.00} was immediately deducted from my account. This purchase was made through someone's XXXX account other than mine to a hair wig and beauty shop in California. Chase contacted me the following day and I disputed these two unauthorized transactions. They refunded me the amounts on XX/XX/XXXX and XX/XX/XXXX. I received a letter from Chase today stating that after investigation, they deemed that I authorized the {$1200.00} transaction from XXXX  XXXX XXXX, and that they will be taking the money back from me within a couple days. I called them immediately and they informed me that I could do nothing with them to stop or change the outcome of their decision to reverse the charges from me. They claimed they had evidence that someone verified the card number, my name, address, and that there was a tracking number for the beauty supplies being delivered to my address. They also claimed that the {$100.00} transaction from XXXX was still being reviewed. I did not make or authorize either of these transactions. Consumers must have a way to protect themselves from this criminal behavior and the banks unacceptable practices in pretending to try and prevent fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

You are reporting this collection as an " open account '' which is not under FCRA compliance This is inaccurate reporting and needs to be removed immediately.