23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I XXXX XXXX have requested and so has my wife for the removal of Discover Card from my personal credit profiles, as I am not a responsible party to the account. My wife is currently in negotiations to settle the Discover Card, and at this time am offer has been made and is being countered. However, I am not a responsible party and any reference to me personally should be removed from all credit bureaus immediately. I have attached faxed correspondences to Discover Bank and no action has been taken. Therefore, I request the Consumer Financial Protection Bureau to help me with this error on behalf of a national bank FDIC insured, and to follow legal protocol.
Product: Debt collection

I submitted a dispute through XXXX XXXX regarding a collection matter with XXXX XXXX XXXX and requested more information regarding the collection. XXXX XXXX XXXX Sent me a notice from XXXX XXXX dated XX/XX/XXXX stating they sold debt That has a charge off date of XX/XX/XXXX to XXXX XXXX XXXX. XX/XX/XXXX is a long time ago but I am pretty sure that I settled that Balance with XXXX XXXX. I submitted another request for more information as I need to validate the charges and payments received to see if there is truly an outstanding debt. XXXX XXXX XXXX then sent me a letter stating that they have completed their investigation and they feel its valid and stated that they will not respond to any future requests. With the letter is one statement with 1 charge for a Late fee of {$35.00} on XX/XX/XXXX. I feel that I have a right to be provided a complete transaction history to support the {$1100.00} that they claim I owe. They sent a 2nd letter indicating that my electronic file lists the following and typed up my Name, last 4 of my social and a date the account was opened and a last pay date of XX/XX/XXXX but no actual statement to substantiate that information. Honestly, even the proof they sent from XXXX XXXX looks like they typed it up. At this point I want a complete transaction history for the account I have also requested payment information from my bank for payments made to XXXX XXXX but it was so long ago I have to wait for the bank to send it to me.
Product: Credit card or prepaid card

In response to Discovers " position '', You discover stated " On XX/XX/2020 your account was opened as a result of an internet application submitted that same day. You first submitted an application for prequalification for a Discover It XXXX account and were preapproved, and then submitted the full application. Through this application we verified your name, address, date of birth, and social security number based on your request to open the account. " Anyone can submit an online application with whoms information is public record. Where is your signed contract with my signature? 

You also stated " Your account was used for local transactions '' Where is your proof that I used the card? Where is your proof that I was there for any transactions that took place on said card? Where is your proof that I was in this local parameter for these transactions? Anyone can purchase anything anywhere. 

Pursuant to 15 usc 1602 ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. 

I have asked for your proof that I created transactions on the account and you have failed to validate that. You have sent monthly statements but have failed to validate with proof who made the charges and have failed to abide by the FDCPA ( Being that you have stated in multiple letters that an alleged " debt '' ( a term your company used ) is owed to your company ). 

Aside from you not having proof of who submitted the application, who made charges on the accounts and violating the FDCPA after positioning yourselves as debt collectors. 

As a courtesy I will forward all correspondence, violations of FDCPA, XXXX and FCRA that your company has violated along with accompanying federal regulations to your states attorney general for further investigation into your corporations operations and practices.
Product: Debt collection

I have reached out to these companies informing them that these accounts dont belong to me. I have sent out dispute letters to experian, XXXX, and Equifax. over 30 days ago with no response. Iam a victim of Identity theft and im trying to get a house and this is hurting my score. 1 ) XXXX XXXX XXXX ( original - XXXX XXXX XXXX, XXXX ( XXXX ) ( account # XXXX ) I HAVE NEVER HAD THIS account PLEASE Delete NOW! 
XXXX ) XXXX XXXX systems ( original - sprint ) ( account # XXXX ) I HAVE NEVER HAD A account with these people. PLEASE delete NOW! 

XXXX ) XXXX XXXX AT XXXX XXXX XXXX XXXX Account XXXX XXXX I HAD A account WITH THEM please delete NOW! 

XXXX XXXX XXXX XXXXXXXX XXXX  ( account # XXXX ) delete now! 

XXXX ) XXXX XXXX XXXX ( original -CEP XXXX XXXX XXXX ( Account # XXXX ) & ( account # XXXX ) delete both account number they are reporting differently!
Product: Credit reporting, credit repair services, or other personal consumer reports

Convergent outsourcing   XXXX   XXXX   XXXX   XXXX  ,  XXXX  WA  XXXX   XXXX  Keeps doing credit inquiries on me.
I contacted them and they asked for my SS number immediately. I did not provide it.
I do not owe any one any money as of  XX/XX/XXXX  to any company or person. Besides my normal cc companys.
Every time they inquirie it lowers my fico score
Product: Vehicle loan or lease

I have been trying to make additional payments towards the Principal of the loan, but after multiple contacts to the lender, they continue to apply these CLEARLY marked payments as monthly payments and reduct interest charges from them so the Full Amount of these Principal Payments Only are NOT applied to the balance of the loan.
Product: Student loan

I requested a payment plan to help lower XXXX of my loans. I am struggling in life and trying my hardest to financially get by. I am XXXX XXXX and going through financial hardship. I dont know what else to do or what else Sallie Mae can do to help me. I worry about my wellbeing and I feel taunted by Sallie Mae. I make payments which does nothing to my total balance because of interest. I feel stuck like I am going nowhere in life. Especially now Sallie Mae marked my account as more than 60 days past due. I paid the amount due and I paid the past due amount. I provided proof of payment and I requested for Sallie Mae to take away the delinquency remarks from my credit report. They reviewed my dispute and did nothing about my credit. This happened before! They dont care about anyones wellbeing they just want their money. They dont care if someone passes away owing them money. If theres anything someone can learn from my experience, please never borrow from private loans when attending higher education. I was pressured by my XXXX XXXX guidance counselor and my single mother to go to XXXX. I didnt qualify for XXXX I wasnt sure what to get my degree in and I failed myself for not getting the accurate therapy in childhood and early adulthood. I had mental breakdowns every semester and I begged my mother to let me come home. Instead she would ask me to stay and push through. Even though I graduated from school I am now drowning in debt. Please do your best in high school to get scholarships and full rides. If youre someone like me start off at a XXXX XXXX then transfer to a XXXX XXXX XXXXXXXX. This way youre not drowning in debt. I literally get sick to my stomach when I open my Sallie Mae app. I know Im not the only one going through this experience. Please save yourself and stay away from Sallie Mae and other other private lenders.
Product: Checking or savings account

I have been having problems keeping track of what is in my account due to my bank not proccessing my transactions on time.
Product: Mortgage

I was made aware by Newrez XXXX XXXXXXXX XXXX XXXX that I will have additional payments for monthly Escrow shortage in XX/XX/XXXX due to 3 months lapse in property insurance the ending of XXXX and the company placed insurance on the property. The total amount of the escrow was going to be {$1000.00}. The option was given me to pay the entire shortage amount prior to the month of XXXX of {$1000.00} or to pay an additional amount in my monthly mortgage of {$83.00}. On XX/XX/XXXX, I made a payment in the amount of {$1000.00}. Unbeknownst to me the payment was sent to principle and not escrow as per request on the check. Per representative of the bank who I spoke to in XXXX after receiving a late notice ; the payment made in XXXX was allocated to extra principle. I did not look on my statement from the bank until XXXX as I know my mortgage amount is fixed ( I pay my own taxes and insurance ) and saw I was being charged {$83.00} monthly and now my account has a past due amount of {$2100.00} of which {$410.00} was for unpaid late charges. My mortgage is paid before the tenth of each month. I spoke to another representative who told me they were not able to reverse the money that was sent to principle in XXXX because the request was not made within 30 days of payment. On XX/XX/XXXX, I made a payment for my monthly mortgage amount of {$1600.00} and two days later XX/XX/XXXX an additional amount of {$1600.00}. I called the company close to the ending of the month of XXXX to ensure the extra payment was allocated to the right department. Again, it was not sent to the right department. My request was made before the 30 days time and I requested an adjustment. The representative stated they had to do an analysis and a refund will be issued to me for the overage. I called again XX/XX/XXXX, and was informed the refund was being process. I look at my statement again XX/XX/XXXX and again the adjustment was not done. Spoke to several representative XX/XX/XXXX which included a manager and again they have to do another analysis.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my report and noticed that XXXX XXXX account # XXXX is reporting a fraudulent account on my consumer report. I contacted them and directed them to remove this account because it is a fraud account and I didn't do business with them. I did not give my consent to any person or company to use my name and personal information to obtain goods or services. They did not prove the debt to be true by demonstration or by providing me an original contract with me being the signer for said accounts. The reporting agencies are reporting fraud accounts which violate my rights under the fcra. The reporting agencies did not seek my permission to furnish anything on my consumer report.
Product: Checking or savings account

It's funny I had to used CFPB platform even before I started banking with PNC. I lodged an online application yesterday. Today I called customer service to confirm if the application was reviewed. They said it is still under review. The sales reps are very clever, they said if I process a brand new application over the phone the account will open instantly. XXXX she processed a new application over the phone and she said it is approved and I will receive an email to sign the paperwork. She got her sale she got her commission, but I never received the email. I called again and asked for a manager. The manager took the call and said she can not see my application, she will talk to the sales team and get back to me. She then simply transfered the call to another agent. I asked this other other agent that why did she transfer the call as I was primarily wanting to talk to her because she is a manager. The male operator said why do you want to talk to the manager? I hung up the call. A complete harassment and disservice to say the least.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 at around XXXX XXXX  transactions started to come out of the account as my husband was holding the phone on his hands. These transactions kept coming in until about XXXX XXXX. As the money was being pulled out of the account and sent to multiple people my husband and I kept pressing cancel transaction and issue a refund. we quickly reported the cashapp card stolen though we have the physical cards with us to prevent further transactions. I call the police immediately and filed a police report and submitted disputes for those transactions to cashapp. Cashapp replied by stating that we had to contact my bank and XXXX since {$530.00} were sent to XXXX to a card ending on XXXX. I had {$1300.00} in the account to complete my mortgage payment of {$1300.00}. However, my mortgage company never saw the money. I was taken right before our eyes. I contacted cashapp and they did not look into these suspicious transactions since they are saying that the transactions look like they were sent from my account. However, as these accounts were happening someone had XXXX my cash pin. Normally when you have a transaction and you want to send money or add money to your cash app account you have to have a cash pin otherwise the transaction will be cancelled. That did not happen at all. At this point cash app has done nothing to help me file a dispute nor investigate my claims. The institutions that they referred me to stated that they can not help me because these transactions originated from cashapp. I just want to recover my money and figure out who would do such horrible things. I still have to pay my mortgage company and cashapp is offering direct deposit and debit cards and my consumer agreement stated that if I notify them within reasonable time that my account has been compromised they would dispute it. However, they have done nothing about the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent out a letter in regards of multiple inaccurate and unknown listings on my credit report. To date, it has been over 60 days and I have not received a reply or any acknowledgment that any action has been taken. It has been over 30 days and based on Section 611 ( a ) failure to investigate these items give a reason to remove these items from my credit report immediately. I demand the items be removed immediately or I will be forced to go about filing a litigation due to the stress you have caused me. My personal information is at high risk and could in the wrong hands being being that it was impacted from the Equifax data breach.
Product: Credit reporting or other personal consumer reports

I have sent a copy of my Drivers license and mail to show my address but they will not move incorrect information and I will insert the laws that they are breaking form FTC, CFPBand NAAG. tHANK YOU FOR ALL YOUR HELP WITH THIS MATTER.
Product: Money transfer, virtual currency, or money service

On several occasions, in XXXX I used Western Union to send money to a friend in the XXXX. In XXXX my friend became ill with XXXX and was XXXX. Over several months I sent money to her and her family using Western Union. In XXXX, Western Union stopped allowing me to send money to the friend who became my fianc and her family. I called the Western Union office and asked why my money transfer request had been canceled and was told that they could not tell me why. My Fianc 's daughter in the XXXX asked the people where she was to pick up the money, why, and they told her it was the office thought there was money laundering. I sent money in amounts of {$100.00}, sometimes {$200.00} in a month. Money to pay for hospital bills and prescription medications and sometimes other family bills. This all started when I began using Western Union online. Once, while shopping at XXXX I saw Western Union service offered. I tried to send money to my fianc in the XXXX. After completing the paperwork I was told my request had been canceled. The XXXX XXXX wrote down the website where I could apply to Western Union to be reinstated for service. I completed the application and on XX/XX/XXXX, was told they would not allow me to use the service. They said it was against the company policy to tell me why they denied the service. I am a totally law-abiding citizen, in completing the application for reinstatement I sent a copy of my XXXX Tax Return along with other requested information and government ID.
Product: Credit reporting or other personal consumer reports

Dear XXXX, I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my right under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as XXXX by federal law. 
Recently, the Consumer Financial Protection Bureau files a lawsuit against Experian for its failure to properly investigate consumer disputes citing, sham investigations and other unlawful practices. These practices, as outlined by the CFPB include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previous disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
The allegations highlight systemic issues that directly undermine consumer protection and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2020 I disputed incorrect names and or address that appeared on my credit report with XXXX, XXXX and Equifax while I was in the process of a home purchase. After careful review of my personal information it appears that XXXX has neglected to update my information incorrect addresses Incorrect social security numbers I tried to dispute this with them again recently and they informed me that they could not remove it
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account Name XXXX  XXXX Account Number XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX has violated my rights.
Product: Checking or savings account

I notices sporadic fraudulent charges in my checking account XX/XX/XXXX totaling {$960.00} Immediately called the bank and filed a police report with the XXXX XXXX XXXX XXXX, # XXXX Bank of America confusingly opened two separate fraud claims to process this request, Claim ID XXXX + XXXX Instead of removing one of these claims entirely, claim XXXX was assigned a temporary credit value of {$120.00} claim XXXX was assigned a temporary credit value of {$860.00} XX/XX/XXXX claim XXXX was credited for {$100.00}, but included a - $ XXXX deduction on XXXX claim XXXX was credited for {$570.00}, but included a - $ XXXX deduction on XXXX *The same transaction numbers were provided for the deductions on both tickets, they are charging each ticket the total amount of the denied claim, doubling my payback amount. 
Reason given for denied claim : " The following charge ( s ) was authorized by you or made by someone who has permission to use the card or account. '' XXXX Bank of America deducted both claim totals, - {$570.00} total When I called to dispute this, they told me the claim was actually denied because the transactions were too old. 

My only recourse is to write a hand written note and fax it to the bank, an absolutely ridiculous and punitive requirement to appeal this. Who has a fax machine???
Product: Credit reporting or other personal consumer reports

XXXX XXXX ( Bank ) XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX ( Bank ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX Bank ) XXXXXXXX XXXX XXXX My information may have been impacted by the Equifax and XXXX XXXX XXXX XXXX and may have got into the hands of the wrong person I noticed a new inquiry this morning from XXXX XXXXXXXX its no XXXX XXXX accounts Under The Doctrine of Estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists The Fair Credit Reporting Act ( FCRA ) in the United States Code gives consumers the right to dispute and remove inaccurate inquiries from their credit reports : 15 U.S.C. 1681s-2 This section of the code covers the responsibilities of information providers to consumer reporting agencies. It prohibits the reporting of inaccurate information, and requires that information providers correct inaccurate information after being notified by the consumer. 


I will upload my inquiries picture then my account pictures
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently disputed information with Experian and they once again refuse to abide by the law. Section XXXX of the FCRA specifically states that I as a consumer have the right to ask for PHYSICAL PROOF to support their verification process and they REFUSE to give me the information that I am asking for. The following items are still be listed on my credit report and they simply send me a new report stating the creditor verified the information. They are liars, frauds and are breaking the law. I am demanding that physical proof be sent to me. The law does not state that I have to contact the original creditor, The credit bureau has to provide the information that I am asking for and they WILL NOT Do it. 

Experian is reporting the following information and refuses to send me Physical Proof to show the account is 100 % compliant with the law meaning it is 100 % verifiable, 100 % complete and 100 % accurate. 
I am also wanting to report a XXXX XXXX Violation as they are not supplying me with full complete line item information. 

XXXX. XXXX XXXX XXXX. Listed with partial account number XXXX and this is a medical collection which is VIOLATING XXXX as no release was signed by me. 
XXXX. XXXX XXXX Services Listed with a partial account number of XXXX They refuse to send me physical proof. The burden of proof is not on me it is on you EXPERIAN to provide physical documentation or remove it. 
XXXX. XXXX XXXX Listed with a partial account number of XXXX they say the account meets the requirements of the FCRA. IT DOES NOT. No physical proof has been supplied to me even when I request it. They are reporting erroneous and inaccurate information against me with this one. XXXX can not provide a signed contract so how can Experian Verify it, they cant!
Product: Credit reporting or other personal consumer reports

Thank you for your assistance in addressing some of the fraudulent information on my credit file. However, there remain unresolved inaccuracies that must be removed. In accordance with FCRA Section 605, you are legally obligated to remove any inaccurate records. I have previously submitted the relevant documentation, which I am enclosing once again for your reference. Please be advised that my attorney is fully apprised of the situation and prepared to hold you accountable for any further non-compliance. 
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