23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I saw an inaccurate item on my Credit report through XXXX XXXX a few years ago and immediately disputed it. It was from Credence. Stating I owed XXXX XXXX XXXX XXXX I called the company and requested on several occasions the original contract proving this account and I also requested a FULL ITEMIZED COMPLETE Charges, Billing & Payment history. I even spoke with someone on the phone regarding this request. I have submitted disputes on several occasions regarding this debt, and they still have yet to PROVE their claim this is mine, They just sent me a paper saying an amount, no contract, no agreement, no itemized billing of charges or payments. I also mentioned to them, I have another letter from Credence claiming I owe the same company {$340.00}. They have not provided any information. It has been over a year of going back and forth with Credence and they still have failed to provide me what I requested to prove this debt or the amount is even correct, and the credit companies have failed to remove this inaccurate information from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information about my Inquiries was found in my Credit reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Here are the list of Inaquiries that are still reporting on my Credit Reportsand needs to Remove : XXXX Date of inquiry XX/XX/XXXX CBNA Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX
Product: Checking or savings account

On XXXX the XXXX 2021 My bank card was stolen and in this process XXXX Dollars was taken from my account at XXXX and XXXX was taken at XXXX. When I reported the theft to truest bank they said they would investigate the suspected both of my checking accounts they investigated I'm thinking I'm gon na get my money back and at the end of the day XXXX later they declined the investigation said there was no fraudulent activity and myContinued to go deeper a deeper and debt. Overdraft feeds after overdraft be after overdraft fee XXXX different accounts were affected. And to this day they finally closed the account I was almost a {$1000.00} overdrawn in XXXX and XXXX and some dollars overdone in the other account. They informed me that there was nothing else I could do to make them give me back my money I have been wronged by this bank and I am almost {$2000.00} a debt because of it and they say there's nothing I can do. I would greatly appreciate any attention or time that you could put into this to please give me back my funds almost {$600.00} is where it started.
Product: Credit reporting or other personal consumer reports

I am writting to you as a holder of the account # XXXX from XXXX XXXX for my credit card to report an issue negatively impacting my credit report. this issue appears to be in violation of the provisions of 15 U.S CODE 1666B and other relevant sections of the fair credit reporting act ( FCRA ). 
Additionally the FCRA specifically sections 15 U.S CODE 1681i and 15 U.S CODE 1681S-2. 
I formally request that you investigate and correct any innacurate information related to these late payments on my credit report. 
Below are the details affected payments : XXXX XX/XX/XXXX. 
XXXX XXXX and XX/XX/XXXX. 
Equifax XX/XX/XXXX and XX/XX/XXXX.
Product: Debt collection

There is a fraudulent account on my credit report that has become egregious and is not mine. I do not know who used my name or how this came to be a debit of mine. It is a debt from GM FINANCIAL I cant say this more emphatically, I have never had a GM FINANCIAL account in my life and could you please remove this immediately. Also, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. There is no such document because this isn't my debt so please remove ASAP
Product: Money transfer, virtual currency, or money service

I've assets worth of XXXX USD and withdrawal is pending for one week now with no update.
Product: Debt collection

This letter is a formal complaint against National Recovery Agency, a collection agency located at XXXX XXXX XXXX XXXX, PA XXXX. They have repeatedly violated my rights per the Fair Debt Collection Practices Act and I'm just over my head with this company. I can't take any more of the stress from fooling with this company and them reporting inaccurate and unverifiable derogatory information about me to the Credit Reporting Agencies. 
First of all, they have refused to validate the debts they claim I owe their company Per the FDCPA. Well I dont owe their company ANYTHING and thats why they cant validate these debts. 
Secondly, even after debt validation had been requested from them, they deliberately continued collection activity and have electronically verified this debt to the Credit Reporting Agencies, without having validated the dispute with me first, and have since continued to report these accounts to the bureaus. This is a direct violation of the FDCPA and is 100 % unacceptable. 
Furthermore, Im aware of the many other complaints against this company for their illegal and unethical collection activity. So this really must be addressed and resolved. My next step is to bring media attention to this issue and also to take this matter to court if I have to.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive contacted XXXX  Chex systems sent all identifying documents over 5 times EXPLAINED IN CLEAR LANGUAGE WHAT IM DISPUTING ETC AND NOTHING WAS NEVER DELETED THIS WAS OVER 3 months ago by law they have 30 days it was well over that time frame I keep checking my report they have the same fraudulent items & inquiries on there even after I sent my police report theft affidavit etc I specifically itemized and circled the items that need to be removed including fraudulent inquiries this is unacceptable Chex systems have me flagged so I cant open a basic checking account they need to remove that ASAP or Ill keep complaining
Product: Credit reporting or other personal consumer reports

I have contacted the credit bureau and request them to investigate and remove these fraudulently accounts. They have not done anything and it is passed the legal 30 day time frame. Please assist with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just. Checked my free annual credit report and found that I have 2 active collections that are not mine. They are fron XX/XX/2018 and XX/XX/2018 from A Southeastern medical company. I have no idea who or where this is and did not receive any medical treatment during those months at all from anyone anywhere.
Product: Mortgage

Wells Fargo unfairly prevented me from making modifications to my mortgage loan in order to avoid foreclosure. My check for {$200.00}, received in XXXX of 2023 is not nearly adequate compensation.
Product: Credit card or prepaid card

My credit score is XXXX, my overall usage is around 3 % and my annual income is $ XXXX  which is verified and DTI is less than XXXX XXXX. I asked BofA for a line increase and in the process reduce my annual APR based on my credit score and income. BofA declined sent adverse action notice based on the following factors, economic and loss trends, BofA considered my relationship with them. Along with Trends in Balance. Please be aware I pay off my credit balance every month and have never been late so unclear as to what BofA means by trends and balances, but I am really confused by the economic and loss trends, is BofA saying that I am responsible for their financial loss trends in their credit card portfolio? I am a XXXX XXXX  women with an XXXX credit score and BofA declined me because I guess XXXX XXXX  is responsible for the company economic and loss trends. Also with this score of XXXX BofA is charging me XXXX XXXX APR. My girlfriend who is not XXXX XXXX, make less money than I do, credit score is XXXX has a lower APR and higher line. I am convince give my credit factors that BofA is discriminating against me. As I do not know of anyone with an XXXX credit score, make over XXXX XXXX with limited debt who gets declined, unless you are XXXX. I would recommend that the CFPB review BofA practices and I think they are discriminatory.
Product: Credit card

As recently as XX/XX/scrub>XXXX XXXX I was assessed a {$34.00} NSF charge. It was yet another charge that began on XX/XX/XXXX for {$41.00} as a late fee, XX/XX/year>, {$34.00} as an NSF charge, XX/XX/year>, {$34.00} NSF charge. I have attempted to change the linked bank account, and I have been unable, and as a result it has caused me a lot of issues. It has been a great source of frustration to have all these fees assessed and my bank charge me as well. Also since payments have not been received Citi is reporting negatively to the credit bureaus. I am XXXX XXXX XXXX, and I only receive at the moment my social security check and to have all these charges accumulate is very distressing to me.
Product: Credit reporting or other personal consumer reports

There are multiple inconsistencies on my credit report I disputed them because I did not recognize the charges and I never gave XXXX Equifax are XXXX any rights to share my information with anybody
Product: Debt collection

Threading to take action against myself and contacting others on my reference list about my bill violating my privacy laws in the state of California. Threatening via email XXXX a violation of my rights in ca ... .California has laws regarding debt collecting that 's does not change as you feel it should learn the Laws in California ... ...
Product: Mortgage

My loan was taken over by Carrington Mortgage approximately XX/XX/XXXX. I have had consistent issues regarding payments with this company especially since they do not accept electronic payments like 95 % of all other companies. In XX/XX/XXXX, I processed two payments via my bank 's bill payment system. Since Carrington does not accept electronic payments, they processed checks to be delivered XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, these checks had not cleared my bank account and were not posted to my mortgage account. At that point, I had to get these two mortgage payments process before the end of the month or I would have been 90 days past due. I ended up processing my payment over the phone which included an additional fee by the company. The very next day, both checks cleared my bank although I have a copy the recorded conversation on XX/XX/XXXX in which the agent confirmed that neither check had posted to my account. I was fortunate that my bank worked with me to reverse the fees and insure that I would not be penalized for this but CMS never made any attempt to rectify this situation. I then attempted to have my mortgage payment deducted from my account bi-weekly but CMS set the payment withdrawls on a bi-monthly schedule that rarely coincided with a bi-weekly payment schedule. It has been a real effort in terms of additional fees in order to may my mortgage each month ( I utilize XXXX XXXX ). 

The reason for this complaint is that on XX/XX/XXXX, I signed for two certified letters from CMS dated XX/XX/XXXX titled Notice of Intent to Foreclose. At this point, my XX/XX/XXXX was past due ( but payment was made by XXXX this same day ) but my XX/XX/XXXX payment was still within the grace period. 

I believe that CSM makes it harder to make your payments by not accepting electronic payments similar to payments received by other credit institutions such as credit card and auto finance companies unless you either allow them access to your bank account or pay extra fees to process payments over the phone which again allows the company to charge the consumer extra fees. On a 20-30 year mortgage, those fees are astronomical. 

I also believe that CSM violated federal law by send me two certified Notice to Foreclose letters with the attempt to deceive and intimidate me.
Product: Money transfer, virtual currency, or money service

Binance.US a cryptocurrency exchange, has taken my account hostage for 45 days, regardless of my correspondences they have not helped me and are ignoring me! and seems like many thousands like me now. 

*All THEY HAVE TO DO TO HELP ME IS : ADD MY NEW CELL NUMBER TO THEIR SYSTEM ( since my cell number has changed ), SO I COULD ACCESS MY ACCOUNT. 20EMAILS AND THEY ARE NOT DOING IT! 

I have completed " Identity Verification '' steps needed. One of which is to upload a valid photo ID of yourself and have the data be reviewed and validated. I completed those steps in XXXX of XXXX I have reached out to the organization *multiple* times, have filed a previous complaint here at the XXXX, and have exhausted my resources to find a solution. My immediate concern is that I have over {$7000.00} in funds on the exchange -- which is a large amount for myself -- and it is being held hostage due to the incompetence of XXXX. 

I believe this to be fraudulent and illegal. I'm not the only one. I've read plenty of other users experiencing the same, ongoing, woes. I'm asking for a resolution + compensation for the neglect and ongoing waiting period to access funds that are legally mine, being held up by this corporation. I will be filing a civil claim against said company unless a swift & satisfactory resolution is met. -XXXX XXXX - XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My complaint is against Toyota Financial Services. We returned a leased vehicle and got another XXXX except it was under my name. The returned leased vehicle was under my wife 's name. Toyota financial sent us a bill for {$350.00} which was the disposition ( return ) fee. However the return fee was waived since we got another toyota vehicle. Per Toyota Financial request, I faxed them a signed letter ( 3 times ) with the the old and new account numbers by both myself and and wife, I also spoke with numrous accoutn representatives at Toyota Financial. I spent a lot of my valuable time to resolve this issue. Yet, we still get payment demand letters from them and the last letter was from a collection agent. I called back and the representaive did not know how to handle the situation. Please help. Thank you
Product: Debt collection

On XX/XX/2018, I made a call to XXXX  XXXX and made a {$990.00} payment for my father 's account ( co # XXXX XXXX. The representative took my payment and said there may be a small sum left over. A week or so ago I am called back by XXXX XXXX asking if I could cover the remaining of the balance. I informed her that I was not the account holder, and that this was my cell phone number ; never provided or gave them authorization to call. She asked if I had another number so I could reach my parents. I provided it, and ended the call. The next day she called informing me that she was trying to collect the payment. Again, I informed her this wasn't my account and that she needed to call the number I provided. Mrs. XXXX advised that there was a note to not call the number I provided, and asked if I could get a message over to my parents to have them call.
Product: Credit card

Dear Consumer Financial Protection, I had a {$10000.00} secure credit card with Wells Fargo. They keep my funds to use as collateral. However, I do not receive any interest from them for them keeping this {$10000.00}. What I am surprise at is that when I make payments it does not being applied to the old transactions first WHICH I AM BEING CHARGED INTEREST ON even though they are holding {$10000.00} which I collect no interest from but on top of that payments I made are being apply to most recent transactions which accrue less interest. I have paid over {$450.00} in interest at least and get no interest from the collateral they hold which is a double whammy.
Product: Credit reporting or other personal consumer reports

I filed complaint to the credit bureaus regarding inaccurate scores on my credit report. My letters have been rejected and Ive been receiving letters stating Im using a XXXX party. I have attached my ID and letters to this complaint for your review.
Product: Credit card

in XX/XX/XXXX I closed my AMEX account. my balance then was {$32.00} and I paid off that amount on XXXX/XXXX/16. Since then Amex has charged my closed account with purchases and fees for late payments now shown on my credit report of {$710.00}. I made no purchases after closing the account and destroyed the card. I spoke with AMEX fraud dept and now am advised they credited my account with {$500.00} leaving a balance that I do not owe and which will continue to incur late fees. They put me on hold for over 30 minutes and I getno response to my effort to get a XXXX balance.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, NY, XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Inaccurate Late Payment Reported by The Home Depot/Citibank Dear XXXX, I am writing to formally dispute the inaccurate late payment reported by The Home Depot/Citibank on XXXX credit report XXXX According to the report, a late payment has been incorrectly listed on my paid-off account with XXXX XXXX XXXX which I believe is erroneous. 
I have reviewed my account and payment history with The Home Depot/Citibank and XXXX confirm that I have never been late on this account. The account has been paid off in full, and there are no legitimate reasons or instances where my payment was delayed or missed. I am requesting that Toyota Financial provide documentation or proof of any alleged late payment to substantiate their claim.

Please provide me with the following documentation : 1. Proof of the late payment transaction, including the date and any supporting evidence that shows the payment was late.

2. A detailed payment history for the account, showing any delay in payment, if applicable.

If Toyota Financial is unable to provide such documentation or evidence to support this late payment, I request that you immediately take action to have this inaccurate late payment removed from my credit report, as it is a clear violation of the Fair Credit Reporting Act ( FCRA ). According to the FCRA, any disputed information must be corrected or deleted if it can not be verified as accurate, and I request that this alleged late payment be deleted from my credit file.

Please note that I expect this matter to be resolved within the 30-day timeframe outlined by the FCRA. If the issue is not rectified within this period, I will consider taking further action to protect my rights under the law.

I appreciate your prompt attention to this matter and look forward to your response. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX  - XX/XX/year>2023 XXXX XXXX - XXXX/XXXX/2023 XXXX XXXX XXXX XXXX2023 XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am appalled by the lack of responsibility on the Credit Bureaus behlaf. When will the Credit Reporting Agencies going to fix all the erroneous information on my personal credit file? For the past 5 months my requests have been overlooked. Discontinue the stall tactics and please remove the disputed account : The Account XXXX XXXX XXXX XXXX Balance Owed : {$810.00} was in fact posted as a charged-off account, be sure you let me know precisely why there is a balance showing on the document if it is a charge off? The account balance is actually wrong, make sure you turn it to XXXX  or get rid of the item fully. Please make sure you also produce documentation to verify all the charges and credits of this alleged account that led to the quite high credit number you have exhibited on my record. My demand to supply this documentation is usually a proper information inquiry in accordance with my privileges presented through the fair credit billing act. If you're unable to grant this information per my civil rights demand, you should straightaway erase this particular invalid entry.
Product: Credit reporting or other personal consumer reports

Equifax will not release my information to the other credit bureaus so I can review all three of my reports and credit scores. Equifax has removed my previous address from my credit report and is incorrectly reporting my length of time at my current address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/22 to Equifax to remove the account below that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/22. Ive already included this in my previous Complaint XXXX & I am including it again. 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I acquired my credit bureaus to check anf make sure everything was complete and accurate according to 15 usc 1681 ( i ). 

I waited 30 days and I haven't recieved nothing here is my tracking number # XXXX. It has been over thirty days.

And one more thing, XXXX, Transunion, and XXXX didn't record the current status of the account being in the disputed status. 

XXXX, Transunion, and XXXX is holding me back from getting a new house and car. This is very fustrating, because I am trying to improve the life of me and my family and XXXX is not doing its job according to the law.