23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In or around XXXX, XXXX, Helvey & Associates sent me an alleged bill for the amount of {$1100.00} and in that alleged bill it stated that if I wrote to them by XX/XX/year> they must stop collection on any amount I disputed until they sent me information validating that I owe them the debt. On XX/XX/year> I sent Helvey & Associates a certified letter of dispute requesting that they verify the debt according the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) that is competent evidence bearing my signature, showing that I have, or ever had some contractual obligation to pay them the alleged amount. Helvey & Associates failed to provide proof of the debt but instead sent me a letter threatening to put a negative mark on my credit report ( s ) if the debt ( that I do not owe ) wasn't paid in full by XX/XX/year>. I then sent a second certified letter informing Helvey & Associates that they have yet failed to provide me with any viable evidence, bearing my signature, showing that the account is being reported accurately. It has now been 30 days since Helvey & Associates received that second letter and has yet to respond or provide the requested information. 

Attached are receipts that verify Helvey & Associates signed for my letter on XXXX XXXX and XX/XX/year>. They have failed to provide documentation to validate this alleged debt and have violated state and federal laws. Helvey & Associates is in violation of the FCRA and the FDCPA. The attached documents are the alleged bills from Helvey & Associates and receipts and letters of dispute sent by myself. 

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

My personal information was stolen in XXXX since then Ive been seeing a lot of unauthorized inquiries and accounts. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

SENT THIS LETTER MANY TIMES. 

According to the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), you are required to complete your investigation within 30 days of receiving this letter. I kindly request that you provide a written response, including the results of your investigation and any actions taken, within this timeframe. If you determine that the information is indeed inaccurate, I ask that you promptly correct my credit report and provide me with a copy of the updated report, as well as notify all parties who received my credit report in the past six months. I appreciate your prompt attention to this matter. Please do not hesitate to contact me if you require any further information. 

THEY REFUSE TO DELETE THIS INFORMATION AND IT IS FALSE AND INACCURATE.
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 XXXXXXXX, Account name : XXXX XXXX, Account name : XXXX  XXXX, Account name : XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  Account : Account number- XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX Phone number ( XXXX ) XXXX Balance on XXXX XXXX, XXXX - Original balance {$240.00}

has violated rights of privacy. 15 U.S.C 1681 SECTION 602 A. STATES i have the right to privacy 15 U.S.C 1981 SECTION 604. A SECTION 2 states that the consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

I contacted Kramer & Associates on behalf of my client listed above on XX/XX/2020 @ XXXX XXXX and spoke with agent XXXX to inquire about the matter of a client of mine. At the end of the call I asked XXXX if the call was recorded to which she said YES! Your company has violated Cal Penal Code Section 632 by not telling me or my client that the call ( s ) had been recorded.
Product: Credit card

I have a PayPal account. a credit card account was opened without my knowledge or consent. Synchrony Bank is their fiscal intermediary. In XX/XX/year> the auto-pay did not work. I was charged {$41.00} late fees plus interest. I can not ascertain the purchases charged. I have asked for the charges that are in dispute. I have informed them that I never opened a credit card. The auto- pay function worked in XXXX and failed again in XXXX. These are IT failures- I have funds and can prove it. I was charged the {$41.00} late fee again. Then this credit card was closed but I was not informed beforehand. This damages my credit scores. Charges are made on this card after it is closed. They are not mine - thus my initial request for the disputed charges. I used debit PayPal and pay my charges as they are made. On a promotional basis I have used a credit model to buy something without interest. The reason for the auto pay. PayPal is now charging for the credit balance in XX/XX/year>, charges a late fee of $ 41 monthly and charges interest ( unknown percentage rate ) on the sum. It is approaching XXXX. I have informed them I am victim of XXXX hack. I have tried to resolve this but PayPal reps consistently drop my calls.
Product: Credit reporting

XXXX XXXX, FL XXXX Equifax XXXX, GA XXXX XXXX XXXX, Texas XXXX XXXX, XXXX, PA XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX Equifax et, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 
If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. I look forward to an expedite resolution of this matter Thank you. 


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

The creditor XXXX  ( account # XXXX ) committed improper reporting of my report by charging the account off in XXXX, then started reporting it as a late payment in XXXX, to include not having permission from me to report anything about my file. 

The account XXXX XXXX XXXX ( account # XXXX ) reported that I owed a balance of which they never confirmed was mine starting in XXXX of XXXX. 

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card or prepaid card

Comenity Bank has closed my Victorias Secret credit card account without my consent. The due date for the attached bill statement has not arrived yet and this is my very first statement. Pursuant to 15 USC 1602, this account is an open-end credit plan. Also pursuant to 15 USC 1602, the closure of my account is unauthorized use of my credit card as I did not consent to nor request closure of the credit card account. I simply requested from a consumer reporting agency that the account not be communicated on my consumer report as this is my legal right. 

Upon contacting the customer care number on the back of my credit card on XX/XX/2022, I was told that my account was closed because I initiated a dispute with a consumer reporting agency. This response does not constitute a valid reason for closure of my account.
Product: Credit card or prepaid card

I have called twice today to make a payment and was told that I have to call back because the " system is down ''. I asked whether my account would be noted with the fact that I have called twice and been told to " call back in an hour ''. I was told no that I would simply have to call back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing the accuracy of my XXXX XXXX. My credit score is STILL not correct. On XX/XX/XXXX, Experian was showing XXXX student loan on my credit report. XXXX credit cards and I filed many disputes against that. On XX/XX/XXXX Experian ( closed XXXX of my XXXX XXXX XXXX student loan accts ) decreasing my credit history which decreased my score by XXXX. AND CLOSED MY CREDIT HISTORY WITH THESE LOANS AND DECREASED MY FICO XXXX SCORE BY A TOTAL OF XXXX. These student loan accts were " Installment Loans '' and were suppose to be listed on my credit report and should NEVER had been closed. On XX/XX/XXXX, I filed a dispute. On XX/XX/XXXX my score increased by XXXX. On XX/XX/XXXX my score decreased by XXXX. On XX/XX/XXXX my score was decreased again by XXXX Due to Experian XXXX closing my Parent Plus Navient Loan accounts. I filed disputes with Experian online, talked with multiple CSRs there, sent certified paperwork twice, sent so much, easy to read paperwork and attachments, showing I had the loans through XXXX and am paying on them monthly. Through all of my efforts Experian refused to change my Parent Plus Loans back to OPEN status on my credit report. Also, according to XXXX CSRs, Experian never contacted them regarding my disputes. There was nothing in my XXXX file regarding ANY of my recent disputes. On XX/XX/XXXX, I filed complaints with Consumer Protection Agencies against Experian reporting my loans incorrectly, my amount of educational loans incorrectly, debt listed incorrectly and my credit score incorrectly. Navients response to my CFPB complaint was, the result summaries were accurate and were sent to the consumer on XX/XX/XXXX and XX/XX/XXXX as reported. Those are the dates of my disputes, XXXX & XXXX and Experian was still showing my Navient Parent Plus Loans as CLOSED, So, my credit report, was still missing information and was NOT accurate!!. So XXXX response is a bogus LIE!!!! After Experians response to my CFPB complaint, on XX/XX/XXXX Experian began showing my Parent Plus Loans as OPEN on my credit report and changed my Debt Summary to the correct balance. ( see attachments ) However, my credit score was NOT updated to show an increase in my credit score by XXXX that was decreased by Experian. My XXXX that was unfairly removed from my credit score do to Experian closing my Parent Plus Navient Loans ( decreasing my credit HISTORY ) accounts needs to be added back to my current INCORRECT XXXX XXXX ASAP. As of XX/XX/XXXX, I remain and continue to dispute this incorrect XXXX XXXX of XXXX. This should have been also updated on XX/XX/XXXX. My credit report needs to show, myself and potential Lenders the CORRECT FICO SCORE8 on my credit report and information regarding my credit history. As a consumer, I do not need or want to pay more interest on a loan than Im suppose to pay, due to my credit score/reporting being incorrect! Why is Experian NOT Complying to My Consumer Rights, FAIR credit reporting?
Product: Mortgage

XXXX XXXX  XXXX / LoanCare My mortgage includes escrow account for payment of property taxes and property insurance. Ample funds were in the escrow account to pay insurance premium. Servicer had all the correct information but Mortgage servicer did not make premium payment when due. Insurance was canceled for non-payment. I suffered a loss for which I called my insurance company only to discover I did not have coverage due to non-payment of premium. 

Mortgage servicer offered {$880.00} for my loss of {$8100.00}. The loss occured on XX/XX/2021 and I have been communicating with mortgage servicer trying to resolve the issue.
Product: Credit card

I received an American Express gift card for XXXX dollars. I was initially able to use it to make a XXXX dollar purchase, but then it was completely blocked. I haven't been able to use it anywhere. I found out online that many people are having the same problem, and that American Express gift cards are functionally useless due to them setting restrictions for " security reasons. '' I would like access to the rest of the money on the gift card, but I can't seem to do anything with it- I can't use it to buy things, can't take the money out, nothing. When I used the American Express website to check the funds, the money was clearly still there, so I know it isn't an issue with the amount on the card.
Product: Credit card or prepaid card

Timeline below ... 

- XX/XX/XXXX Fraudulent Charge {$520.00} from XXXX XXXX XXXX ( XXXX XXXX ). I was never in the XXXX XXXX or purchased anything from there. 

- XX/XX/XXXX Reached out to Barclay 's via phone ( they may have the call recorded ). I told them everything and they said to fax in the statement or mail it in which I did. They said it may take a  month or two to correct since it was over a year old but nothing was ever done. They gave me a case number XXXX. 

- XX/XX/XXXX - Resent fax - No response from Barclay 's - XX/XX/XXXX - I called back their fraud department and they said they never received the fax - XX/XX/XXXX - Sent another fax - No response from Barclay 's - XX/XX/XXXX - Mailed in a physical copy ... again no response. 

Since then I've reach out multiple times via phone and secure message on their website in my portal asking what is going on. They can't ever give me a straight answer and just keep telling me to either fax them or mail them which I've already done on multiple occasions. I know I am not the only one having trouble receiving reimbursement for fraudulent charges. I even had to close a previous card with them due to fraudulent charges.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the claim of civil liability for negligence non-compliance under Section 16810 that has been attributed to me. 

For the following account : XXXX XXXX XXXX XXXX {$890.00} After a thorough review of the circumstances and the specific allegations, I believe that this claim is unfounded for the following reasons : 1. Lack of Evidence : There has been no substantial evidence provided that demonstrates my failure to comply with the required standards of care as stipulated under Section 16810. The documentation submitted does not adequately support the claim of negligence on my part.

2. Adherence to Standards : I have consistently adhered to the established protocols and standards relevant to my responsibilities. All actions taken were in accordance with the guidelines and best practices recognized within the industry. 

XXXX. Mitigating Circumstances : There were several mitigating circumstances that were beyond my control, which contributed to the situation in question. These factors should be considered when evaluating the claim of negligence. 

In light of the above points, I respectfully request that the claim of civil liability for negligence non-compliance under Section 16810 be re-evaluated and subsequently dismissed. I am willing to provide any additional information or documentation that may be required to support my position. 

Thank you for your attention to this matter. I look forward to a prompt resolution. 

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

Experian continues to report inaccurate and incorrect information on my credit report. 
I have made several attempts to correct this issue but Experian blatantly refuses to correct the error even though they know that the information is incorrect. 
I implore the CFPB to uphold the standards and ensure that Experian ensures the maximum possible accuracy of my credit report.
Product: Debt collection

Do not believe this account is mine. Need verification of this debt. Do not recall opening this account as I have been a victim of a couple of personal information stolen through data breaches from various medical companies.
Product: Credit card

The experience with the current investigator or investigation team is substantively flawed and discourages me from continuing business with Bank of America and has resulted in the submission of complaints to Federal regulators and public forums regarding the PRINCIPAL business credit card account number ending : XXXX and. XXXX XXXX : XXXXXXXX XXXX XXXXXXXX. I humbly request these disputes to be settled in my favor. I was naive to believe that XXXX XXXX and by extension Bank of America could XXXX screen each merchant using their payment processing network. Which gave me a false sense of security when transacting with this XXXX XXXX. I have learned to raise disputes immediately and be vigilant of online scams by checking reviews XXXX. 

Additionally, I believe Bank of America 's Zero Fraud liability advertising gave me a false sense of security, I could charge back if the transaction resulted in fraud. 

According to the IC3 and FBI I am a victim of fraud due to online advertisements from a Merchant with a history of mass marketing fraud.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e { b ] Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i [ 5 ] Treatment of inaccurate or unverifiable information [ A ] In general if, after any reinvestigation under paragraph [ 1 ] of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- [ i ] promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and [ ii ] promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report 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: Credit reporting or other personal consumer reports

TransUnion, XXXX, and XXXX continue to report inaccurate information onto my consumer report. My only name is XXXX XXXX. No other name or spellings should be listed on my report. My address is XXXX XXXX XXXX, XXXX, CA XXXX this should be the only address report. Under federal law the credit bureaus are responsible for damages caused my inaccurate information being reported.
Product: Checking or savings account

Wells Fargo Bank occurrence : Emil received " Your available balance reached or dropped below XXXX XX/XX/XXXX. 
Phoned bank fraud number to report bank account opened under my profile. The fraud account was opened with a Different but similar, name, address. Different drivers license.

Fraud dept said my fault because I have 4 other account so bank not responsible to keep another account safe. Fraud said will inform 1 credit company and other 2 will be contacted. Did not happen. Called Fraud dept again with different person, want fraud activity on my accounts. Each Fraud dept gave me different claim number. Fraud dept said my social security has been stolen and is on the dark web and get another social security number. Changed user name and password. Password last changed in XXXX. 
Received XX/XX/XXXX all email Delivery preference changed. Never authorized.Called Fraud dept XX/XX/XXXX. Fraud dept said I should go to no online banking and visit branches and write checks by hand and use mailbox for delivery. Each time contact bank is over 1 hour, given 45 day time frame, 30 day time frame. XX/XX/XXXX email received Line of business executive office with case number. XX/XX/XXXX email Account closure notice all accounts closed by XX/XX/XXXX. XX/XX/XXXX received in USPS debit XXXX  in name and address similar to mine but NOT my profile information bank has. XX/XX/XXXX went into branch location. Closed 1 of four accounts as email requested but only to close ONE account for I need more time to move other 3. BRANCH MANAGER REFUSED CASH TO CLOSE ACCOUNT. Banker wanted my name to appear as the FRAUD account name on cashiers check. Not the name on MY ACCOUNTS. Had to take cashiers check. Not agreeing but no other way to get cash till it first receive a cashiers check. Branch manager emailed higher level in bank of my complaint and on phone. REFUSED to give even first name of person who she had to reach on telephone. WAS TOLD I HAVE TO HAVE A POLICE SUBPOENA TO GET WHO WHEN HOW WHY NAME DRIVERS LICENSE ON MY FRAUD ACCOUNT THAT WAS OPENED. No clue how to do this. Bank NEEDS TO PROVIDE THIS BASIC INFORMATION. Bank accounts was opened over 32 years ago, now being thrown away over their fraud. I notified all 3 credit companies with fraud alert and fraud. This is good only for 12 months. My credit has been frozen for years. Need credit protection to be paid by bank for 5 years. Manager said ONLY WAY TO HAVE FRAUD ALERT ON MY ACCOUNTS I HAVE TO HAVE THEIR BANKING APP ON MY PHONE. I refuse to have any app on my cell telephone that is any way related to MONEY. I do not approve of the fraud or way it has been handled by the bank. Bank failed me repeatedly.