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

Subject : Formal Complaint Regarding Credit Reporting Inaccuracies XXXX  XXXX XX/XX/year> I am writing to formally file a complaint against XXXX  XXXX regarding persistent inaccuracies in my credit report associated with my XXXX  XXXX credit card account. 

I have disputed these inaccuracies multiple times, yet they remain unresolved. Specifically, my credit report lists the same XXXX XXXX account three separate times, two of which show identical dates, and the third indicates a different date. This account is tied to a XXXX  XXXX bankruptcy, yet I continue to be pursued for collections on these accounts. This has resulted in significant financial strain, including the need to secure a loan to settle these debts, which I had to repay with interest. 

The inaccuracies on my credit report have not only affected my credit score but have also led to severe emotional distress, XXXX, and even homelessness. The continued reporting of this single account as three different entries has created a misleading financial picture of my situation. Furthermore, I believe my personal information has been sold to third parties without my consent.

Under the Fair Credit Reporting Act ( 15 USC 1681 ), I request the following actions : Immediate deletion of all inaccuracies related to this XXXX  XXXX account from all three credit bureaus. 
A refund for any settlements paid as a result of this misleading information. 
Compensation for the financial and emotional distress caused by these errors. 
If these matters are not resolved promptly, I am prepared to take legal action against XXXX XXXX for damages incurred. 

Thank you for your attention to this serious matter. I look forward to your prompt response. 
XXXX  XXXX CREDIT CARD # XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX PHONE XXXX AMOUNTS SETTLED 2 @ {$770.00} AND 1 @ {$1700.00}
Product: Debt collection

I was getting annoying phone calls at which time I didn't answer since I didn't recognize the numger. Then, a few days later, I received a letter in the mail from a company called ERC XXXX XXXX XXXX XXXX, FL. XXXX Claiming that I had an account with XXXX XXXX XXXX XXXX and as of XXXX today I owed {$920.00}. 
Upon reading the letter I immediately called ERC to dispute the matter. I only got a response from an automated voice in which they tried to set up some kind of payment. 
I requested to speak to an agent and was put on hold for XXXX minutes and the was disconnected. I call a second time and was not able to speak with someone and was disconnected again. I have never had an account with XXXX XXXX XXXX XXXX.
Product: Debt collection

On XX/XX/2019, I received a phone call from a number registering same area code and town that I was in. The caller stated " was an attempt to collect a debt '' and then asked me to verify my name and address. I asked them to identify themselves, they said FBCS, and who they were calling on behalf of, which they refused to say and insisted I provide them my address first. I asked again who they were calling on behalf off and the caller told me they wouldn't answer anymore questions until I identified myself. At this point they hung up on me. I received another call today XXXX XXXX. The caller again said they represented XXXX and wanted me to identify myself. I didn't give out any information and instead asked for a business address and phone number. The caller became defense and refused saying she didn't have to provide any of that information. At no point in either call did the callers say who they were calling on behalf of UNTIL I asked them to identify themselves. Both calls came from a local number. And both callers became defensive when I questioned the legitimacy of their call, refusing to provide additional business information beyond the name FBCS.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX
Product: Checking or savings account

On XX/XX/year>, I went to a WellsFargo atm machine to deposit money, I put in {$2000.00}, and it gave me back {$900.00} and then told me that it only deposited {$0.00} cent to my account. I went into the branch and the branch manager could not even go and check the atm or see if Im could get my money back. She told me that a claim had to be filed and Im going to wait 10 days even I need that money for medical things. This bank has been terrible for years and Im so leaving them as they owe me {$1100.00} and the worst part is that the customer service would not help me and their social media wouldnt assist even when advising them Im going live on their atm stealing money. Im super XXXX and frustrated as not even the district XXXX would help me and world dismiss me from my issues. This was in the Wells Fargo in XXXX XXXX, XXXX. Im depressed and angry that Im seriously going to have to leave this bank. I stopped my direct deposit and will not resume anything until I get my money back. If not, I will persue a law suit.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have send multiple challenge letters to verify and validate the 100 % accuracy of the reporting of this account. They have never sent me a wet signature copy of the contract ... they never send me all of the documents that by law are required during a repossession process. they never send me the letter that i have the option to buy back the car per example ... this is a clear violation of my rights..XX/XX/XXXXcould not prove this debt was mine nor is it reporting 100 % accurately not 99 % or 80 % so they deleted it ... my understanding is that the other bureaus should follow suite as this is a violation of the law they are required to follow ... i am attaching a copy of my report ... look at the date of last active between XXXX and XXXX..this account has obviously been reaged another violation
Product: Debt collection

Speedy Cash from Texas Continuously contacts me about t debt owed by my brother, I have asked them to stop, and they just say, it was a number they were given, I did agree to pass on the message about the debt, and now I get text messages everyday about my brothers payment not going through, and the need to pay the bill. I have asked to opt out of the messages, and nothing has changed. It has been over a month now.
Product: Debt collection

This complaint is in reference to My credit report showing a collection from your agency. I already sent a letter to your company but you did not respond with what I asked for to verify your claims of this alleged debt that I supposedly owe. I was never notified of this collection. I do not believe this debt is accurate. I do not believe this debt is mine. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for.

2 ) A complete Audit Trail calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct.

3 ) Documentation that shows I agreed to pay this debt with my signature and documentation that shows I gave you permission to have my information, and paperwork showing I gave you authorization to report this to my credit report. No consent to you having my information and unauthorized use of my social security number is identity theft and you will be reported for such.

4 ) The Agreement that grants you authority to collect on this alleged debt.

5 ) A copy of your state license, including license number that give you rights to collect in my state.

6 ) A copy of the full purchase agreement 7 ) I want you to Swear under penalty of perjury you were present during the alleged debt Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 
Also read the attached letter and review all of the violations by your company
Product: Debt collection

I am writing to express my disappointment and concern regarding the inaccurate credit reporting by Synchrony Bank/Verizon . This incorrect reporting has severely impacted my financial situation. 

On [ insert date ], I noticed a new account on my credit report that I did not open. I immediately sent a notice to Synchrony Bank/Verizon , requesting validation of the debt and its removal from my credit report. This notice was sent via certified mail with tracking number XXXX. Despite my notice, no action has been taken to remove the debt from my credit report. 

As a result, my credit score and report have been negatively affected, making it difficult for me to obtain the credit I need to purchase a home. I am requesting that Synchrony Bank/Verizon immediately remove the erroneous debt from my credit report. Additionally, I request a copy of the validation letter sent to the credit bureaus. 

If Synchrony Bank/Verizon does not resolve this matter promptly, I will be forced to take further action, including filing a lawsuit. 

Thank you for your prompt attention to this matter.
Product: Vehicle loan or lease

On XXXX XXXX XXXX I ( the customer ) discovered through the Credit Acceptance mobile portal that I was paying an extra interest charge monthly ( ranging from {$150.00} - {$300.00} ) as I was paying my auto loan payment of {$430.00} per month. This is in addition to the finance charge that was noted on my purchase paperwork that was added to the purchase price of the vehicle. When I contacted the credit company, they were very dismissive about their policies and placed the responsibility and accountability on the dealership that sold me the vehicle. I seek to initiate an investigation regarding their predatory financial practices, as this is not the first time they have been under investigation about this same practice.
Product: Checking or savings account

I am filing a complaint against Capital One regarding the deceptive practices related to their XXXX " high yield interest '' savings accounts. Capital One misrepresented the XXXX Savings account as having one of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the XXXX XXXX XXXX account. This deliberate obscurity and lack of transparency violated XXXX XXXX and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account Name : XXXX XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX FCU Account Number XXXX XXXX  Account Name : XXXX XXXX XXXX XXXX Account XXXX Account Name : XXXXXXXX XXXX Account XXXX Account Name XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XXXXXXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - Unauthorized Inquiry XXXX XXXXXXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX Unauthorized Inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

HAS FRAUDENTS ACCOUNTS AND COLLECTONS
Product: Credit reporting or other personal consumer reports

Several dispute requests have been sent to XXXX, Transunion, and XXXX with no responses at all. The Credit Bureaus are not processing these disputes at all. Every time, I send out dispute requests they are not investigating them at all. 

PLEASE CONSIDER THIS LETTER AS AN INITIAL COMMUNICATION DEMANDING ANY EVIDENCE OF MY OBLIGATION TO THE ABOVEMENTIONED ACCOUNTS. AS A REMINDER, ANY ACCOUNT THAT YOU CONTINUE TO REPORT WITHOUT BEING ABLE TO VALIDATE IS A DIRECT VIOLATION OF MY RIGHTS LISTED THROUGH THE FDCPA AND FCRA BOTH TOGETHER AND SEPARATE. 

My disputes are attached to my complaint, and I want all of them disputed with XXXX, XXXX and Transunion and I also want to know the method of validation. 

Thank You,
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance : {$720.00}
Product: Credit card

TJX Rewards ( TJ Maxx ) will only send the monthly statement if unpaid balance reaches over {$100.00}. 
This time, I bought for {$32.00} on XXXX XXXX, 2016 but I received the statement on XXXX. XXXX, 2016 and it shows for about {$60.00} as late fee in total of {$100.00}. 
It looks like to charge a late fee on the credit card statement is their policy, intensionally not sending a statement monthly. 
For me this is the second time, exactly same case happened, XX/XX/XXXX I paid about {$60.00} out of about {$41.00} purchase.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was the victim of abuse and financial exploitation of a vulnerable adult and several accounts were opened in my name while I was incapacitated. 

Numerous attempts to have this account removed from all three credit bureaus has been made, but the account holders continue to attempt to collect the debt despite knowing the items are the direct result of XXXX  XXXX and the abuse of a XXXX individual as documented in XXXX reports. 

I have had to flee XXXX miles with my XXXX child and these issues are hindering my ability to house my XXXX child and obtain services for him. I have no support system in this area that I was forced to move to for safety and it is imperative these issues be addressed and removed immediately. 

The proper law enforcement ( XXXX  ) forms and FTC reports have been provided, yet the account holders continue to verify the information is " accurate '' and " updates '' it to keep it on the report. 

Several agencies realize that the accounts are legitimate fraud, and continue to sell or resell the accounts nearly monthly as they know the monies are not recoverable legally. 


Please remove these accounts from all three reports as I am not legally responsible for them as I was medically incapacitated/under duress during the time of the purchases and can not be held liable, and the documented victim of financial exploitation.
Product: Credit card or prepaid card

XX/XX/XXXX my wife and I decided to close all of our accounts with Bank of America after deciding that we we better suited financially using a local credit union. We went to the location that housed these accounts at XXXX XXXX XXXX XXXX, XXXX, NM XXXX. The bank representative was informed that we wanted to close all accounts and pay off all charges. We moved our finances to the credit union and clipped our cards. Being a XXXX  and trying to stay out of debt we only used my wife 's credit card during XXXX and my credit history was inactive at the time. I had a decently high credit score due to never being late or missing payments on my 2 counts of credit history. I tried to apply for a credit card recently to begin building credit again and found I was rejected based on delinquency which seriously alarmed me. I ran a credit report and found a seriously delinquent charge of {$25.00} of unknown origin that was never reported or sent to us because Bank of America claimed they did not have a forwarding address and just wrote it off. This charge should have been indicated to us by the representative that helped us close our accounts. This came as a severe blow to my credit. Had we known we would have paid immediately and we should have been notified of the charge when the accounts were closed back in XXXX. I called on XX/XX/XXXX to pay off the charge and asked I could have that charge cleared as non delinquent with the credit reporting agencies due to this being an error on their part. The Bank of America representative informed us that they do not " pay for delete '', to which I replied that I understood but in this situation I was not asking to pay money to them to remove my delinquency but asking them to accurately report that they had made an error. They told me there was nothing they could do. I asked to file a complaint to which they responded that I would receive a call back which has not come.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Was Part Of Divorce Decree On XX/XX/2021 Decree # XXXX XXXX  It is not my financial Obligation Anymore, as it belonged to my Ex Spouse. I was Relieved from my debt by a court order, Ordered by A Judge XXXX XXXX In A XXXX, Washington XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

Experian : XXXX XXXX Account # XXXX XXXX : XXXX XXXX Account # XXXX XXXX : XXXX XXXX Account Number : XXXX XXXX
Product: Checking or savings account

I am writing to express my deep concern regarding an unfair action taken against me by Wells Fargo Bank. Despite maintaining excellent account standing, my account was recently closed without any explanation. I was informed that the decision is final and that there is no appeal process available to me. 

I believe this action infringes on my rights as a responsible citizen to access fair banking services. Furthermore, I am concerned that the closure may not be based on any legitimate reason. I have also noticed a disturbing trend where individuals with unique or non-traditional last names seem disproportionately affected by unexplained account closures. This pattern raises serious concerns about potential discrimination within the banking system. 

I respectfully request that the appropriate government authorities investigate these practices to ensure fairness, transparency, and the protection of consumer rights in the financial sector. 

Thank you for your attention to this important matter.
Product: Mortgage

I applied for and was granted forbearance during the Covid pandemic. All loan modification paperwork was sent back to the mortgage and approved, however it was never processed and I was never notified. I continued to make my mortgage payments not knowing the mortgage company was applying those payments to the months during the forbearance period. For the last 6 weeks I have repeatedly asked for a COMPLETE payment history from the beginning of my loan including escrow only payments that I made but they have sent only partial history. I have called the VA and they too have tried to retrieve the information and their requests have gone unanswered. Any help would be appreciated.
Product: Debt collection

The problem is that this NATIONAL CREDIT SYSTEM company is duplicating the accounts I have a collection, they do not want to withdraw the accounts, they have duplicates and they just call me, threatening to take money from my account and proceed legally, these accounts were opened fraudulently by a credit company departments that obtained my information and illegally rented to other people in my name, I contacted the departments and they only told me that I had to pay or I would be taken to court, I specified that I had never lived there and that they did not even have my income as to prove income, everything was done under my social security and not verified, in general they took my social and rented to personals illegallyXXXXXXXX XXXX XXXX was the place they used
Product: Credit reporting or other personal consumer reports

I see some items on my credit report that I dont know. It looks like someone might have stolen my identity because I didnt approve these accounts. Ive talked about this before, and now XXXXm asking for these accounts to be taken off my report quickly. Having these accounts on my report is causing me stress. They dont show my real credit history or how I handle money, and its been hard dealing with this. If we cant fix this, Im ready to go to court to protect my rights and find a solution. These wrong items on my credit report are a big problem for me. Theyre stopping me from reaching important money goals, like buying a house and supporting my family. I hope we can fix this problem soon.
Product: Money transfer, virtual currency, or money service

Hello, my name is XXXX XXXX, I am from XXXX with XXXX XXXX. 
I have problems with the Coinbase company since I have the account blocked and under review for more than 6 months. 
I have tried to contact them many times and they close the disputes automatically and the result is always the same. 
I wanted to be able to recover around XXXX in cryptocurrencies but I can't since my coinbase account is blocked I hope I can get my money back and I'm writing here since I'm in a situation where I don't know what else to do. 

Really thank you very much and I await your response.
Product: Credit reporting or other personal consumer reports

I specifically told the salesman Im already pre qualified do not shotgun my credit