23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am reaching out to formally file a complaint against XXXX for fraudulently charging me over {$10000.00} for vehicle damages I did not cause. Despite providing clear photographic evidence showing the condition of the car before and after my rental period ( XXXX XXXX XXXX ), XXXX has ignored my dispute and continued to charge me varying amounts every month. 

The owner of the vehicle harassed me during the rental and later falsely accused me of causing damage. They then went to a family friends repair shop to create a fraudulent repair estimate, which XXXX accepted without proper verification. Even after I informed XXXX of this and presented proof that the car was not damaged under my care, they refused to acknowledge the facts and continued charging me. 

This situation has become financially and emotionally distressing, and XXXX refusal to conduct a fair investigation has left me with no choice but to escalate this issue. I am requesting your assistance in addressing these fraudulent charges and holding XXXX accountable for their unethical business practices. 

Please let me know how I can proceed with filing an official dispute through your organization. I appreciate your time and consideration and look forward to your response.
Product: Debt collection

I submitted a dispute to Experian regarding inaccurate information on my credit file. I included supporting documentation to substantiate my claim. However, Experian responded by stating that the disputed item ( s ) were verified without providing a detailed explanation or evidence of a thorough investigation. This response indicates a failure to conduct a reasonable reinvestigation as required under the FCRA. Despite my efforts to address the inaccuracies, no corrective actions were taken. This has adversely affected my creditworthiness and caused undue stress. I am aware of recent legal actions against Experian for similar practices and request that my dispute be handled with the attention and compliance it deserves. 

Thank you for your prompt attention to this matter. I expect to hear from you soon.
Product: Credit reporting or other personal consumer reports

Hello, My name is XXXX XXXX and I'm placing a complaint regarding improper use of my credit report as follows : According to the Fair Credit Reporting Act 15 USC1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Equifax and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' 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. '' ( Furnisherof information to credit agencies ) is a financial institution by definitionunder that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. " According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be removed immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.

* Please remove all non-account holding inquiries over 30 days old.

* Please add a Promotional Suppression to my credit file. 


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

XXXX XXXXXXXX XXXX XXXX XXXX loans was transferred from XXXX reporting inaccurate information on credit bureau reports with Transunion XXXX XXXX and XXXX. 
The credit report indicates the former servicer XXXX on all three credit bureau reports and does not indicate that the federal student loans are in forbearance by the XXXX XXXX XXXX
Product: Checking or savings account

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Account Number [ XXXX ] We are writing to request your assistance in recovering funds from our account at TD Bank. Unauthorized individuals washed and forged XXXX checks, resulting in a loss of money from our account. We have submitted all requested documents and followed the bank 's procedures ; however, it has been more than five months since the incident, and the bank has not returned our funds. 
Details of the Forged Checks : Check # XXXX : Originally made payable to " United States Treasury '' on XX/XX/XXXX, but washed and altered to " XXXX XXXX XXXX XXXX, '' a business unknown to us. 
Check # XXXX : Originally made payable to " XXXX XXXX XXXX '' for {$8500.00}, but washed and altered to " XXXX XXXX XXXX XXXX '' an unknown person and business with whom we have never conducted any transactions. 
Actions Taken : We reported the forged checks to TD Bank and followed all their procedures, including signing affidavits of forgery for both checks. 
We have sent escalation letters requesting the return of the funds, but have not received a response. 
Request : We believe TD Bank is responsible for identifying forged checks. Since they haven't returned our money or responded to our inquiries, we kindly request your assistance in escalating this matter and ensuring a prompt resolution. 
Attached Documents : We have attached copies of all relevant documents, including the original checks, affidavits, and escalation letters. 
Thank you for your time and assistance. 
Sincerely, XXXX XXXX
Product: Mortgage

PNC bank violated Bulletin XXXX-XXXXRefused information to children and estate of deceased borrowerFailed to provide children witho Standing of the mortgage loan as current or delinquent. 
o Eligibility of the successor in interest to continue making payments on themortgage loan. 
o Whether a trial modification or other loss mitigation option was in place at the time of the borrower 's death. 
o Whether there is a pending or planned foreclosure proceeding. 
o Eligibility of the successor in interest for loss mitigation options. 
o Eligibility of the successor in interest to assume the mortgage loan, with or without a simultaneous loan modification or other loss mitigation option. 

Told children that PNC would NOT discuss the mortgage at all and hung up the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently paid for a copy of my credit reports, and reviewed my credit file, as is being reported with you, and noticed there are several inaccurate accounts and/or items on my report. This means that the below listed accounts were not opened by me, and that I did not profit from these accounts having been opened. I reached out to the bureaus and company several times and the accounts are still on my credit. 
1. CAC FIN COLL. Date Opened : XX/XX/XXXX. Balance : {$780.00} 2. CAC FINANCIAL CORP. Date Opened : XX/XX/XXXX. Balance : {$850.00} 3. CAC FINANCIAL CORP. Date Opened : XX/XX/XXXX. Balance : {$150.00} 4. CAC FINANCIAL CORP. Date Opened : XX/XX/XXXX. Balance : {$790.00} 5. CAC FINANCIAL CORP. Date Opened : XX/XX/XXXX. Balance : {$740.00}
Product: Debt collection

Commonwealth Financial of XXXX Georgia purchased this debt from the original creditor, XXXX, and entered duplicate information on my credit report for a debt that already existed on my credit report as a mark against me as though it is a new report on my existing account. The original debt Is 4 years old! Not to mention the emergency room XXXX ordered a XXXX exam when I entered the ER for XXXX! I told the ER XXXX there was nothing wrong with my XXXX and he ordered it any way! They keep renewing the information as if it is brand new thrwarting any opportunity for the debt to fall off after the amount of years of liability expires. This is unfair credit reporting!
Product: Credit reporting or other personal consumer reports

This is yet again totally illegal as of XX/XX/XXXX and is totally illegal by reporting from these credit Bureaus. Please remove these items or legal action will be taken. 

These items are totally illegal and needs to be removed from my credit report ASAP. I never authorized any of these accounts or inquiries. Please remove these items off my report. 

These accounts are not only illegal but past the statue of reporting. I have been a victom of identity theft and this needs to be removed. Please remove these illegal unauthorized collections off my report. 


XXXX XXXX XXXX  XXXX {$210.00} Date Opened XX/XX/XXXX XXXX XXXX {$4900.00} Date Opened XX/XX/XXXX XXXX XXXX {$2800.00} XX/XX/XXXX XXXX XXXX Date Opened XX/XX/XXXX {$250.00} XXXX XXXX XXXX  Date Opened XX/XX/XXXX {$0.00} XXXX {$0.00} Date Opened XX/XX/XXXX XXXX XXXX {$0.00} Date Opened XX/XX/XXXX XXXX
Product: Debt collection

This debt was paid off years ago. I was informed this would removed from My credit once paid in full however still remains on my credit report. This Negative account is affecting my credit.
Product: Checking or savings account

Chase Bank-i had XXXX and I am the sole owner of checking account ending in XXXX, my daughter transferred the XXXX without my authorization to joint account i have with her ending in XXXX, and then moved the money to a different bank. 

Chase refused to take action
Product: Credit card

My Elan Financial Fidelity card has several transactions with issues, but Elan Financial transaction dispute function seems to be dysfunctional and I can not get them to dispute the transactions. First, there are two transactions from XXXX XXXX XXXX that I have returned the merchandise to XXXX XXXX XXXX and received a return confirmation, but have been unable to get them to issue a refund. For this reason, I would like Elan Financial 's help and dispute these two transactions : {$240.00} on XX/XX/2023 by XXXX XXXX XXXXXXXX XXXX and {$630.00} on XX/XX/2023 by XXXX XXXX XXXXXXXX XXXX Then there is a transaction from XXXX XXXX XXXX XXXX XXXXXXXX XXXX on XX/XX/2023 for {$550.00} that I do not recognize and have not authorized. I have never purchased or received anything from XXXX XXXX XXXX and would like Elan Financial to take care of this unauthorized transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed several disputes on my credit report and it has not been removing after the problem is said to be resolved. Accounts that have been on time for several years still show poor payments history. Account that are paid off still showing due. There has been no movement in my. Credit report.
Product: Credit reporting or other personal consumer reports

This morning, I discovered an unauthorized inquiry on my credit report, and I have no idea why it's there. When I checked my report as usual, I was shocked to find unexpected discrepancies. I even refreshed my browser, hoping it was just a glitch, but the inquiry remained. This issue is extremely frustrating, and I demand that the documents I've submitted be reviewed thoroughly so I no longer have to deal with this unnecessary stress.
Product: Bank account or service

I have been banking with Chase Business services for some time and thought I understood how they work in processing transactions. To my surprise, over the weekend I received XXXX non-sufficient fund fees for a withdrawal they said I had funds to make. Their systems are usually very accurate, but this resulted in another XXXX non-sufficient fund fees for a total of {$350.00}. So, the first internal transfer between Chase accounts said I had funds and then it said I had funds for XXXX additional transfers of {$20.00}, {$20.00} and {$35.00}. So I paid a {$35.00} transaction for a {$20.00} transfer, another {$35.00} fee for the second {$20.00} transfer and another {$35.00} fee for a {$35.00} transfer. This is the equivalent of paying 100 % interest for one day or annualized at 36,500 % interest. Their representatives could n't explain why this happened according to their time stamps. So, they guessed on what could have caused it. I spoke with a representative at Chase and a manager, then asked to speak with the supervisor of the manager who said they were not available and would call me back.
Product: Credit reporting or other personal consumer reports

I am been a victim of fraud. Someone has used my Bank of America account to do fraud activities in different states
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, My initial interaction with United Wholesale Mortgage was brief and seamless. Unfortunately, my experience has quickly gone downhill. I currently have three mortgages under my name, and I have never missed a payment. My first step of owning a new property is setting up autopay. 

I set up autopay on XX/XX/XXXX, please see attached email confirmation that was sent to me. On XX/XX/XXXX I received a letter in the mail stating that my loan was going to be in default if I dont pay my mortgage. I called into UWM and set up autopay again on XX/XX/XXXX with the help of a representative, please see attached email confirmation of this. I received another letter in the mail saying my loan was in default because my loan was not paid on time. I set up autopay for a third time on XX/XX/XXXX, calling in UWM afterwards to express my concern with the matter. The UWM employee was very helpful and encouraged me that this technical problem with setting up autopay would not negatively impact my credit score.

Unfortunately, because of their system to set up autopay failed me, my credit went down more than XXXX points. I had an excellent credit score XXXX and never paid late on prior debts. I have contacted UWM and submitted formal complaints with all levels of customer service representatives. They explained to me that because, technically, my payment was late, they could not do anything about correcting this issue. My rebuttal to them is that the payment was only late because of their failed system. I took immediate initiative to resolve the problem when it was brought to my attention. UWM told me that I needed to contact XXXX and put in a claim with their customer service team. UWM and XXXX both gave me the run around and treated me like a number on a spreadsheet, not a human being. 

I am a small scale real-estate developer in XXXX, XXXX, and having a good credit score is crucial to my success. Please, contact me for any additional information needed to complete this investigation. 

Thank you for your consideration, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A charged off XXXX XXXX account is reporting my credit report that never belonged to me due to Identity Theft. The amount is {$250.00}. I don't let accounts go unpaid, I can spend {$250.00} on a dinner, so if it was mines I would've just paid it no problem. My credit has no unpaid accounts. This account is fraudulent and needs to be removed immediately from my credit report. 

I Have Never Lived At The Address Associated With This Account. The service address is stated as XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX I have never lived there ever, and I didn't start this account. My wife actually has been taking care of this utility service for our residence during the dates of this fraudulent account service at this false address so I wouldn't have needed this service to begin with. We had gas service at our real address during this same timeframe under her name. We never even lived in the county of this address during the dates of this service.

This matter was not properly investigated by this bureau. By the Fair Credit Reporting Act, this account needs to be removed. It is both false and inaccurate. My rights have been violated.
Product: Checking or savings account

In early XX/XX/XXXX, I filed a dispute regarding fraudulent charges on my Wells Fargo Bank, N.A. account ending in XXXX for {$3600.00} because I had been charged for goods or services that I did not receive. I had already tried to resolve the issue with the provider of the goods/services ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX ) to no avail. I provided the bank with ample evidence of my contacts with XXXX XXXX, that I had paid him for the goods and services that I never received, his refusal to provide the goods and services that he had agreed to, and his refusal to provide a refund. I can provide this evidence to you on request. If you need this evidence, please call me at XXXX or email me at XXXX In the matter involving Claim Number XXXX for {$3600.00} a provisional credit was issued on XX/XX/XXXX for this amount. Wells Fargo contacted me in XXXX to investigate this matter and I provided them with several pages of evidence showing that I had paid for goods and services that I did not receive and that XXXX XXXX had failed and refused to provide these goods or service. On XX/XX/XXXX, Wells Fargo reversed this provisional credit and debited {$3600.00} from my account. When I contacted Wells Fargo by telephone to find out what was going on, they stated that they would investigate this matter further, but then never followed back up. Further, they stated that I needed to bring the dispute with the app that I had used to pay the vendor. Unfortunately, due to the time that Wells Fargo took to process my claim, more than 60 days had expired so I could not dispute this matter under the Fair Credit Billing Act with another party. Furthermore, I do not believe that their conclusion is a correct conclusion that I should have disputed this matter with another party. I used my Wells Fargo checking account and/or my Wells Fargo credit/debit card and expected to be protected as is represented on their website. Additionally, the person I paid ( XXXX XXXX dba XXXX XXXX XXXX XXXX XXXX ) also had his account with Wells Fargo so the funds literally went from my Wells Fargo Checking Account to his Wells Fargo Checking Account. 

The Fair Credit Billing Act provides protection for consumers who pay for goods and services that they do not receive and Wells Fargo is failing and refusing to abide by this act by failing to refund monies and conduct timely investigations. Additionally, I believe they have violated the Deceptive Trade Practices Act by stating on their website and elsewhere that they protect against fraudulent charges. I feel that Wells Fargo has acted in a manner that is a violation of the Fair Credit Billing Act, the Texas Deceptive Trade Practices Act and possibly other consumer protection and banking laws.
Product: Mortgage

They basically contacted me in XXXX because I had missed XXXX payment and I had never been late or missed a payment before offer me a forbearance type of deal so I can get caught up. The next thing you know theyre telling me that I have to make a past due payments in order for this to start which I made XXXX and then I got no answers as to what exactly was going to happen after that I called several time. Each time I got a different person and a different answer say no we dont do that no you cant do that you have to pay there she had to pay more money asking me for additional payments and my question to them as well what good is the forbearance if youre if Im paying now even more payments then I was behind. I cant get a straight answer from them and then I get a letter saying that if I dont pay over {$4000.00} by XX/XX/XXXX if theyre going to take my house they say that Ive made no payments whatsoever I went to my bank and I have transaction history posted on XX/XX/XXXX this year on XX/XX/XXXX of this year and XX/XX/XXXX this year and XX/XX/XXXX all mortgage payments made to them but not the extra payment I had to pay them last month of {$1100.00}.
Product: Money transfer, virtual currency, or money service

I transferred {$100.00} on zelle to someone but later found out that person never had zelle..I called my XXXX XXXX XXXX XXXX to stop the transfer and refund me but they said they couldnt.they said it was received but it wasnt.
Product: Debt collection

The issues at hand relate to the following potential violations : Incomplete Reporting : Jefferson Capital Systems , LLC 's reporting fails to furnish adequate details regarding the veracity and comprehensiveness of the provided data. This omission contravenes FCRA stipulations mandating accurate and exhaustive reporting of consumer information.

Unlawful Collection Methods : Jefferson Capital Systems , LLC 's collection practices may violate 7311 ( b.1 ) of PFCEUA/FCEUA by attempting to collect amounts not expressly provided for in the original agreement creating the debt or permitted by law.

Deceptive Communication : Jefferson Capital Systems , LLC 's correspondence contains language that could be construed as deceptive, particularly regarding the nature of the debt and the implication that consumers must address discrepancies directly with credit bureaus, potentially violating FCRA regulations.

Failure to Validate Debt : there is a conspicuous absence of a purchase agreement substantiating the transfer and validation of the debt upon its acquisition by Jefferson Capital Systems , LLC. FCRA mandates furnishers to furnish a comprehensive validation of debt, inclusive of any pertinent documentation affirming the legitimacy of the debt. The absence of such documentation raises significant doubts regarding the veracity of the reported information and underscores potential violations of FCRA, PFCEUA/FCEUA, and pertinent legal statutes.
Product: Credit card or prepaid card

my discover card was charged many transaction with out my permission i contact the company and filed a despute after couple of weeks they denied my claim for no reason i have try few times to solve this problem but company never try to do any thing im still paying monthly payment and interest also am sending the list of the charges also with my complain to see it all happen when i was away for my college in the month of XXXX and XXXX of 2018 i even went to the address of the company charge my card but store is out of business i inform discover company also