23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am contesting the account with XXXX/XXXX. It is an account that was opened without my consent. It is showing a balance of {$0.00} with a {$590.00} credit limit. Experian is stating on their report that it is even late and over the limit with a 0 % usage. I need Experian and XXXX/XXXX. to correct this account on my Experian report. I should not owe XXXX/XXXX. anything since the account was opened and used without my consent, and I have been a victim of idenity theft. Please correct this on my Experian report it is showing negative remarks. I am trying to refinance my home a I can not until this is removed from Experian Report and corrected. Please remove. It has been corrected on my XXXX and XXXX reports, too.
Product: Checking or savings account

I currently have an account with Synchrony Bank, which includes an online savings account and two CDs. The issue is gaining access to the Secure Inbox on my account. There are currently seven ( 7 ) unread messages but I can't get to any of them, and keep seeing an error message stating " something went wrong ; try again ''. We have already determined that this is NOT something on my end. I've tried multiple computers, browsers, and android apps on various devices. There is a problem on their end and they can't seem to fix it. This has been going on for months. I've been trying to be patient but this is beyond ridiculous. I can't get any messages that would warn me about any potential problems with my account, fees, fraud, etc., because I can't read the content on any of these messages. This has been going on since at least XXXX of 2023 and there still is no resolution. And they refuse to alert me in any other way because I have told them very clearly that I am UNABLE to access the Secure Inbox online.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  accounts below violated my rights to laws 15 U.S.C 1681 SECTION 602A - Which states that I have the right to privacy 15 U.S.C. 1681 SECTION 604A SECTION 2- Consumer Report Agency can not Furnish an account without my written instructions.

I have requested several times to prove these accounts and send original documentation with my signature. I have disagreed with the Creditor and credit bureaus on their last investigations XX/XX/22, XX/XX/22, XX/XX/22. There has been no response and no update according to the FCRA laws.
Product: Mortgage

The loan was paid in full at the date of closing XX/XX/year>, when we sold the house. Mr Cooper continues to report the account active and reporting late payments to the Credit bureau, which has destroyed my credit. Furthermore Mr Coopers website has been hacked and they do not have a secure portal. I have also been charged numerous late fees and other charges, I plan on filing a lawsuit against this corrupt mortgage company.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/19, I INITIALLY SENT LETTERS TO XXXX XXXX XXXX AND XXXX XXXX  DISPUTING A DEBT BEING REPORTED TO THE CREDIT BUREAUS AND FOR THEM TO VALIDATE THIS DEBT. ON XX/XX/19, THEY RESPONDED WITH A PRINTOUT TRANSACTION SUMMARY FOR WHICH I SENT SUBSEQUENT LETTER ON XX/XX/19 DEMANDING THT THEY PROVIDE ME WITH ANY VIABLE EVIDENCE THAT THESE ACCOUNTS WERE MINE ( ie. SIGNED CONTRACT or ANYTHING BEARING MY SIGNATURE ) THAT GIVES THEM THE RIGHT TO COLLECT FROM ME OR REPORT THIS DEBT AGAINST ME. TO DATE THEY HAVE NOT DONE SO OR REFUSE TO. I HAVE NO RECORD OF EVER DOING BUSINESS WITH THESE COMPANIES AND HAVE DISPUTED THIS ALSO WITH THE BUREAUS, BUT THEY KEEP RESPONDING THAT THE DEBT IS VERIFIED WITHOUT OFFERING THE PROOF OF HOW THIS DEBT WAS VERIFIED. I HAVE REPEATEDLY ASKED THAT THE DEROGATORY INFORMATION BE DELETED AS THIS IS CAUSING SIGNIFICANT FINANCIAL HARM TO MY QUALITY OF LIFE AND IT WAS LAST YEAR AND SUBSEQUENTLY REINSTATED THIS YEAR WITHOUT ANY PRIOR NOTICE. THE REPORTING OF THIS DEROGATORY AND INCORRECT INFORMATION IS DETRIMENTAL TO ME AND MY FAMILY 'S QUALITY OF LIFE AND I REQUEST YOUR FURTHER ASSISTANCE IN HAVING IT REMOVED AS ALL MY PREVIOUS REQUESTS TO THE BUREAUS AND THESE TWO COMPANIES HAVE BEEN BLATANTLY IGNORED. PLEASE NOTE THAT XXXX  HAS CHOSEN TO STALL THE PROCESS BY SENDING ME A LETTER ON XX/XX/19 REQUESTING I SEND INFORMATION TO VERIFY MY IDENTITY. THAT WAS DONE ON XX/XX/19 BUT ON XX/XX/19, THEY SENT ME THE SAME LETTER REQUESTING THE SAME INFORMATION AGAIN. THIS IS PAST THE 30 DAY WINDOW THAT THEY ARE REQUIRED TO CONDUCT THIS INVESTIGATION. XXXX RESPONDED TO MY SECOND LETTER WITH TWO POSTCARDS STATING IN SOME INSTANCES THEY ARE ABLE TO DETERMINE WHETHER DISPUTED INFORMATION SHOULD BE DELETED OR CHANGED. HOW CAN THAT BE, IF THE INFORMATION IS WRONG?
Product: Credit reporting

I 'm a victim of identity theft as a result of this there were many inquiries made without my knowledge or consent, i have sent out numerous letters to the Equifax with supporting documents and they still have n't removed these items that clearly do not belong to me, this is very frustrating and disappointing and I need help to remove these inaccurate items, i 'm attaching the letter that i sent out to the bureaus.
Product: Debt collection

I stated to TRANSWORLD then that this was Fraud induced/Identification fraud by my Ex-wife or the other listed Third-Party XXXX XXXX? whom I have no knowledge of agreement beyond insurance. ( 3 ) I clearly stated by phone to them ( XXXX ) then that my purpose was to not claim accountability for XXXX XXXX apts. but to only get XXXX XXXX removed from my credit report However in-spite of their knowledge of third party/ possible fraud they have chosen to attach me because I paid a related bill in order to clear my credit. As of XX/XX/XXXX letter they have sought include me in a debt that occurred on 2015, I have contacted original party XXXX management several years ago and informed them of the fraud and circumstances involving on XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian XXXX out my credit score without any communication or explanation. I need my credit score reinstated. This is the second time I'm going through this process. Their response about needing my contact information is bogus, as I provided all of that information in my previous complaint. 

My credit score was XXXX in XX/XX/2020. How can it be XXXX today without any derogatory transactions or information hitting my credit? 

I need my credit score reinstated. How can companies do this and CFPB does ABSOLUTELY NOTHING?
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ), the accounts listed below have violated my federally protected rights to privacy and confidentiality under 15 U.S.C. 1681. Consumer reports may only be accessed for permissible purposes, such as evaluating creditworthiness for a legitimate credit transaction initiated by the consumer. 
Unauthorized Inquiries : * XXXX  XXXX XXXX : XX/XX/XXXX * XXXX  XXXX XXXX : XX/XX/XXXX * XXXX : XX/XX/XXXX * XXXX : XX/XX/XXXX * XXXX : XX/XX/XXXX * XXXX : XX/XX/XXXX * XXXX XXXX : XX/XX/XXXX * XXXX XXXX : XX/XX/XXXX * XXXX : XX/XX/XXXX * XXXX  XXXX : XX/XX/XXXX Under 15 U.S.C. 1681 Section 602 and Section 604, a reporting agency may not furnish an account without my explicit written consent. Accordingly, I request the immediate deletion and removal of any unauthorized or negative items associated with these inquiries from my credit reports in TransUnion. 
Additionally, the handling of my personal information by these companies may constitute a violation of the Privacy Act, which mandates that personal data be accessed and used solely for legitimate and authorized purposes. The unauthorized inquiries have caused significant harm to my family and me, and I believe my rights under these federal laws have been violated. 
I sincerely request your prompt attention to this matter and appreciate your assistance in resolving it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is about the following accounts : XXXX XXXX XXXX : # XXXX, which you claim, I owe [ {$500.00} or my account was charged off {$500.00} ]. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection practices Act and the Fair Credit Reporting Act, along with corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX  and Equifax ) from your company or any company that you represent, for a debt that I dont owe, is a violation of FCRA & FDCPA ; therefore if you can not validate the debt, you must request that credit reporting agencies delete the entry. 

Pending to the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond withing 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum {$1000.00} in damages per violation for :. Defamation. Negligent Enablement of Identity Fraud. Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ). Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ). 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 











Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 


P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Acct # XXXXXXXX XXXX XXXX XXXX my credit limit was {$700.00} I was charge an additional XXXX after account was closed also same place Acct # XXXX my credit limit was {$400.00} I was charge another {$300.00} after account was closed I have rights 15 U.S.C 1681s 2 ( A ) ( 1 ) a person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I need both of these removed
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX : XX/XX/XXXX. {$330.00} in credit card payments. i have reported it to XXXX XXXX XXXX XXXX multiple times, but they have not removed the payments. 

Affirm Inc : XX/XX/XXXX. {$550.00} in fraudulent charges. I reported this to Affirm, but they didn't remove the charges. 

Affirm Inc : XX/XX/XXXX : {$850.00} in fraudulent charges. I reported this to Affirm, but they didn't remove the charges. 

Affirm Inc : XX/XX/XXXX : {$2600.00} in fraudulent charges. I reported this to Affirm, but they didn't remove the charges.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I did a in store finance with XXXX XXXX of XXXX financed through acima. I went to pick furniture up XX/XX/XXXX from store where I purchased my own personal XXXX   ( {$120.00} ) and got home and realized 3 main pieces of the bed where missing. I reached out to the store and they told me it would b at least 2 weeks to locate the peices. I then asked for a product reduction in cost or for them to deliver the missing peices and was denied. I then spoke with the financial company acima and after they could not get in contact with the furniture store and they had no resolution the supervisor told me I would not b charged for the furniture that I never 100 % received .i waited a additional 2 1/2 weeks spoke briefly in XXXX and still no resolution was found. I told them I didnt want to go Thur with the purchase and the supervisor ensured me that the furniture store would b held accountable for the furniture. XX/XX/XXXX I discarded the furniture not hearing anything else from either establishment and Now XX/XX/XXXX acima is trying to charge me for the Little peices I did throw out after I was instructed that I would not be charged. I spoke with XXXX from customer relations and I even asked her what would she do in this matter and she told me she as well would have done the same thing. It was 3 months until the peices arrived at the furniture store and the old peices had literally been sitting n my home well over 2 months which is rediculious. I even went the the XXXX to fix this situation and they would not respond as well after attempting.
Product: Money transfer, virtual currency, or money service

I sent {$700.00} USD to XXXX on XX/XX/XXXX. My vendor still hasnt received it. I have submitted 3 disputes and tried to go through social media. The keep giving random excuses and then closing my claim without resolving anything.
Product: Debt collection

Collection account XXXX XXXX I had a lease with XXXXXXXX XXXX ( unit # XXXX ) in XXXX and then removed from the last lease I believe by XX/XX/XXXX. I attached the email from XXXX XXXX ( the creditor ) from XX/XX/XXXX they confirmed ( via voicemail and email ) they requested the account to be removed from collections since I was no longer on the lease and wouldnt be charged. 

I have been calling the creditor for over a month now ( XXXX XXXX ) which is now under new management XXXX XXXX XXXX XXXX in attempts to have them contact the collection agency and have my name removed from this collection. I continued calling XXXX and sometimes multiple times a week hoping to get someone to look into my account, I kept being told someone would contact me but I never received a call back until about a month of continuous calls they stated they couldnt find the records for this account as they were boxed away given the new management merge and theres nothing they can do for me. 

This issue had originally been resolved with the prior management staff, the email and voicemail have been provided and must be honored as this is NOT my debt.
Product: Credit card or prepaid card

Netspend let some one go into my bank for a span of 4 days starting XXXX. They blocked my card on XX/XX/XXXX when the scammer started using my card in California in i live in XXXX XXXX and was at work during the transactions that happened in both states, netspend only gave back the California transactions and never gave me my XXXX back from the XXXX XXXX ATMs i never been to and it doesn't matter if the pin was enter corrected and they are still trying to make me feel like I took my own money or someone i know took it. They told me I cant be a Vitim of fraud in the same city i live. no access device was used so they violating regulation E. They told me I will have to wait to get the dispute documents to speak with the dispute department, I received them on XX/XX/XXXX still no call they are saying the dispute department called me on XX/XX/XXXX but i have no miss call or voicemail form that day so they are giving false information to me and telling me now I cant even speak to the dispute department every supervisor i talk to have hung up on me and I received emails I will be getting a call here it is XX/XX/XXXX and still haven't talk to the dispute department. They keep submitting request every time call for me to be told I have to keep waiting -1-2 business days. corporate supvisor never called me back synina supervisors .I sent proof that I was at work when the transactions happened and the bank isn't looking at the actual fraud. I don't have history going to banks taking XXXX out a day. I never been to those banks. I had to goggle were they was at. My email is showing proof that I just want my money that was taken form and two transactions I didn't receive the service or didn't make the transactions at the time shown and they aren't trying to give me my money back please help me look into this bank and wrong doing against me. I had to wait hours to speak to manger just be hung up on so many times and treated so wrong, this has caused me angry and stress. I'm seeking legal help how i been done treated. please help not listen to this bank I have screenshots of emails and my call log that I didn't receive a call from the dispute department.
Product: Debt collection

ABC Fitness repeatedly called me before XXXX XXXX, leaving voicemails in an attempt to collect a debt. Their website for checking accounts doesn't work, the automated system for payments doesn't work over the phone either. ABC Fitness charged me twice in one month and hasn't responded to a dispute opened by my credit card company.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft and I'd like to emphasize that I am the one submitting this complaint and there is no third party involved. 
. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ) Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items. 
2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated. 
3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case.

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX XXXX XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXXXXXX XXXX XXXXXXXX XXXX ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed. 
3.Immediately block or remove all inaccurate information resulting from the identity theft. 

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. XXXX XXXXXXXX
Product: Payday loan, title loan, personal loan, or advance loan

Im a XXXX veteran and have been a member for over XXXX years. I have request a personal loan numerous time before thru Navy Federal and paid it back on time. Now they keep denying a personal loan.
Product: Debt collection

XXXX XXXX is reporting to XXXX that I opened an account in XX/XX/XXXX and charged off {$60.00}. I believe I have reached out before because a update was done by them this month but still reporting a charge off with balance owed. It was opened the same month someone opened a XXXX account in my name. There is also a couple addresses on XXXX that are n't mine but one my ex gf. I moved out of state before those accounts were opened. XXXX refuses to remove themselves off my credit despite me disputing and I know they do n't have proof because it 's not mine. XXXX removed the balance I disputed couple weeks ago. I want this removed or I will be forced to take legal action.
Product: Mortgage

I recently requested to have my escrow account on my mortgage with Wells Fargo closed after I noticed they paid an insurance premium that was triple than what it would normally be without informing me. Wells Fargo acted completely irresponsibly in not notifying me of the increase and denied my request to close the escrow account using an incorrect and outdated value of my house as a defense. I changed insurance companies and paid the new much lower insurance premium myself but Wells Fargo is still charging me a higher monthly payment for my escrow account and is refusing to close and let me manage my own insurance and taxes. I have been a WF customer for over 10 years and have not had a single missed payment. This was far from the first issue iv had with the bank. It is clear the bank does not value its customers and has no interest in maintaining a relationship with them.
Product: Mortgage

To ; XXXX XXXX President, Parks Title Co. XXXX XXXX XXXX XXXX XXXX Attn : Claim Dept XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX : COMPLAINT ( PLEASE FORWARD PROOF OF THE SALE TO CFPB ) I file a complaint with your company CFPB # XXXX and it were handled by XXXX XXXX she provided new details from the years XX/XX/XXXX-XX/XX/XXXX then I were told that you were not involved with the transaction at XXXX XXXX XXXX then she indicated you did so conduct the transaction on XXXX XXXX and his daughter XXXX XXXX fronting as his wife on covenant deed. You recently contacted me to file an complaint and informed me to file a complaint with your insurance company listed above and provided claim # MI XXXX, PARKS FILE # XXXX I mailed it out. You recently told me on the phone that no correct XXXX XXXX claim that you conducted the sale but that you done the title work, THATS IT. <P/>I informed you that XXXX XXXX add more fraud in XXXX with Step Forward Michigan a Government Agency and are under investigation complaint XXXX and that the case with XXXX XXXX were published XX/XX/XXXX on reference to a trust account from the risk management dept with the OCC # XXXX and provided you additional documetation, the bottom line XXXX XXXX scammed me out of the house you mail me a letter dated XX/XX/XXXX in the letter you state it was determined that nothing was done wrong in the foreclosure of his mortgage but, with XXXX XXXX there are no legal transaction on record. Please work with the CFPB let it be if XXXX XXXX to XXXX XXXX XXXX got a mortgage or any transaction that taken place that nothing was done wrong.