23daVinci/CFPB_Complaints huggingface dataset:
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.

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

15 U.S.C 1681 Section 604 A Section XXXX : 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: Debt collection

I received a call from Bonneville collections ( ref # XXXX ) on XX/XX/XXXX & talked to XXXX. I requested to have proof of the collection via email. He said he can not do that. He said that theyve emailed me this information ; however, I never received this email. He says he has proof that the email went through without issue so I asked him for proof of that so I could see when it was sent and he said he could not do that. I said how do I know hes not some scammer trying to get money from me. I said I needed something in writing to confirm the charges. He said he can not do that either. So I said how can I confirm this is real? He said to come to the XXXX location. Then accused me of yelling at him. I wasnt yelling, but dumbfounded that he couldnt send me anything I dont think thats right. The bill was for my son XXXX from XX/XX/XXXX at XXXX XXXX. I then called them asking why I didnt receive a bill. After talking with their billing department they were able to see that somehow the communications such as billing was turned off. 
I paid them the same day and she was able to fix my account. I dont think its right that he couldnt send me anything to prove that he was legitimate. I finally received a letter in the mail today XX/XX/XXXX, but its already paid. How can someone collect without any proof?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has not corrected the 30 days paid late twice on my credit report for the last quarter 2020 as agreed. I have sent proof on my previous complaint and also emailed them directly.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting this account on my credit report and i have written them as well as all 3 credit bureaus challenging the 100 % accurate reporting of this account and each time they all send back a letter saying it is verified as accurate ... how is that possible? i have pointed out the inaccuracies to them all multiple times and they still ignore it and continue to violate my consumer rights... .i have attached a copy of how its reporting on my credit report for reference ..... 

they are reporting 3 different high credit limits transunion reports {$950.00} XXXX  reports {$0.00} XXXX reports {$910.00} they are reporting different dates of last payment on my report transunion and XXXX are reporting XX/XX/XXXX XXXX is reporting XX/XX/XXXX they are reporting 3 different dates of last active transunion reports XX/XX/XXXXXXXX XXXX reports XX/XX/XXXX XXXX reports XX/XX/XXXX i believe they are not conducting full and proper investigations as required by law ... .this reporting is not 100 % accurate at all and they are pencil whipping the responses
Product: Credit card or prepaid card

On XX/XX/22 I made a purchase at the XXXX XXXX with the XXXX XXXX XXXX. It was for a phone and XXXX XXXX plan for {$1000.00} and {$19.00}. I was unhappy with the purchase and returned the phone to XXXX. On XX/XX/22 XXXX XXXX issued a refund of the original purchase to the card I used for the purchase. 

Synchrony never applied the refund to my account. I verified the refund had been issued by XXXX XXXX and then contacted Synchrony. I initiated a dispute and received my first response on XX/XX/22. They issued a refund for {$19.00}. I followed their procedure when a dispute is not resolved and submitted a fax of the email showing the refund for the full amount had been issued by XXXX XXXX. On XX/XX/22 I received an email stating they would not be issuing a refund because " According to our records, you entered into an agreement with the merchant for the charge in question. As the merchant sets the policies regarding cancellations or refunds, please contact the merchant directly for any additional questions. ''
Product: Checking or savings account

WSFS Falsely charging me on an overdraft after my accounts have been closed
Product: Debt collection

Performance Recovery levy my payroll. I wrote them a letter indicating that i do not owe them any money, nevertheless, requested that they submit to me signed copy of the contract, cancelled checks, and any other documents that might indicate that Iinitiated this loan. As indicated to them the federal law suggests that they should respond back to me within 30 days. They did not respond back, instead, a new levy was sent to my employer to continue the levy. this is causing a financial burden. My employer indicated that they do not know there is a federa law that protect the consumer. 


XXXX XXXXPerformant Recovery, XXXX. XXXX XXXX, Ca XXXX XXXX XXXX XXXX XXXX I received a garnishment from my employer, concerning a debt from you. This is not a refusal to pay, but a notice that your claim is being disputed. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. 
Be advised that I am not requesting a " verification '' that you have my mailing address, I am requesting a " validation ; '' that is, competent evidence that I have some contractual obligation to pay you. Provide me with factual evidence that I have any legal obligation to pay you. 
Please provide me with the following ; *What the money you say I owe is far*Provide me with copies of any judgment if applicable*Explain and show me how you calculated what you say I owe*Identify the original creditor*Prove the status of limitation have not expired on the account*Show me that you are licensed to collect in my state ; and*Provide me with your license numbers and Registered Agent. 
You should also be aware that sending unsubstantiated demands for payment through the XXXX Mail System might constitute mail fraud under federal and state law. You may wish to consult with a competent legal advisor before your next communication with me.
Product: Credit reporting or other personal consumer reports

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

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

Items that need attention : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX Open Date XXXX XXXX, XXXX Balance : {$0.00} Charge-off XXXX  Account Number XXXX Open Date XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX XXXX  Account Number XXXX Open Date XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) Account Number XXXX Date Opened XX/XX/XXXX Balance : {$2000.00} Collection XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) Account Number XXXX Date Opened XX/XX/XXXX Balance : {$1600.00} Collection XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number XXXX Date Opened XX/XX/XXXX Balance : {$990.00} Collection XXXX XXXX Date Opened XX/XX/XXXX Balance : {$98.00} Collection XXXX XXXX XXXXXXXX ( Original Creditor : XXXX  ) XXXX Date Opened XX/XX/XXXX Balance : {$2200.00} Collection New Added : 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

About 10 years ago, someone broke into my vehicle and stole my wallet with my license and other important information about me. I did file a report years ago and I did get a copy of my license and other information that was stolen from me. I didnt know how important Having credit was back then and now Im being affected by it. Im receiving letters about data breaches that multiple companies have been having for over a long time. Not knowing that I was supposed to report it to CFPB I have various addresses showing on my credit report that I never lived and its impossible to live that many places at times my name is reported spelled incorrect it clearly theres no investigations has been going on. Today Im reporting because this has caused so much hardship troubling through my lifetime trying to achieve a better life and more of life with the data breaches that has been going on continuously over the past few years which I had no knowledge of, but I would always receive letters in the mail and disregard but now after receiving so many of them I had to look into this and see how far and what the issue so clearly its a big issue thats affecting me and my family livelihood. Ill attached the documents thats needed for this report. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

missing my XXXX AU card of {$25000.00} please add it
Product: Credit reporting or other personal consumer reports

I am formally request to dispute the accuracy of information on my credit report, specifically regarding the reporting of late open accounts and Bankruptcy. I have carefully reviewed my credit report from your agency and have identified discrepancies that I believe require immediate attention and correction. I have outlined the details of the disputed information along with an explanation of the inaccuracies : the late payment reported on the above-mentioned account is incorrect. I have diligently made all payments on time as per the terms and conditions of the agreement with the creditor. I have enclosed copies of my bank statements, payment receipts, and any other supporting documentation to substantiate my claim. I kindly request that you investigate this matter promptly and correct the inaccuracies on my credit report as required by the Fair Credit Reporting Act. Please provide me with a written confirmation of the correction once the investigation is complete. I understand that, according to the Fair Credit Reporting Act, you are required to investigate this dispute within 30 days and inform me of the results. I expect your prompt attention to this matter and a swift resolution. I assume for your immediate assistance to correct or remove the following accounts and Bankruptcy : XXXX XXXXXXXX XXXX Balance Owed : {$2100.00} - I do not believe I was late on the dates you are reporting. Please report the payment status positive and update all late from reporting on this account. 

XXXX XXXXXXXX XXXX Balance Owed : {$1000.00} - Evaluate this reporting by revising the information provided. Modify and perform any corrections or update this from my file. 

XXXX XXXX Bankruptcy Reference # : XXXX - This bankruptcy file date is wrong and this bankruptcy is out of statute for reporting on a credit report. And it should no longer be reported because it is past the 10 years statute of limitations that a credit bureau can report. Please update the filing date and then remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX  at XXXX  XXXX. Someone opened a card with a XXXX line of credit when I was just a student. I disputed it 100 times and no one wants to help me
Product: Credit reporting or other personal consumer reports

This company sent me a pre paid card, I never activated it, and they tried to charge me XXXX. I closed the account and they told me that all bogus charges would be taken off and then it was removed from my credit report XX/XX/2022. 
Now I look and its back on there. This company needs to stop doing that to people that do not deserve it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been dealing with this issue for sometime. With XXXX, Equifax and XXXX XXXX. I told them that all my identities were driver license and Social Security card. I found out it was brother who passed away of XXXX XXXX last year. I have documents from IRS showing Identity Theft Affidvat and showing after they investigated they proved it was Identity Theft. In the letter explain you will see why I didn't reported to police because if you tell on the wrong person in my neighborhood they will kill you. Also, in XXXX on 2020 I wrote XXXX XXXX XXXX XXXX were they said I fill out the applicant to get a car. I also have attached the letter I mail to them came back return to sender. On XX/XX/2020 I sent a certified letter with return receipt to XXXX and Equifax to inquiring about the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) that they are required by federal law to verify through physical verification of the original signed consumer contract. Under the FCRA, unverified accounts must be removed and if the credit bureaus are not able to verified proof and if they are unable to provide me a copy of verifiable proof, these items must be removed that are listed below. ( I have attached the letter I sent to Equifax requiring ) Will XXXX  said that the verified it from XXXX XXXX but Equifax didn't respond yet. 1 ) XXXX XXXX ( both items were deleted 2 ) XXXX XXXX : was deleted 3 ) XXXX XXXX : was deleted by XXXX that put back on without proof. XXXX deleted it 2 months ago. None of the bureaus, creditors and collections have given me proof of what was ask in the letter attached. So, by law these items should be deleted if no proof was given. Also, I am veteran that is XXXX   XXXX  all my check goes to my children for child support. But Veteran Adminstration trying to get my flat to rent but with that item on my credit report is causing a lot damage. Please help a XXXX  veteran.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted Police Report proving I am a victim of Identity Theft. The police report indicates that XXXX ( XXXX ) is a fraudulent account. This account was removed from my Equifax consumer report in XX/XX/2020 and was re-inserted in XX/XX/2020. Equifax has also sent a letter stating that they will not block the account which is a direct violation of my rights under the Fairs Credit Act. I have submitted a Police Report and Identity Theft Report to Equifax several times requesting to block this account Under section 605B of the Fair Credit Reporting Act. The fraudulent accounts are ; XXXX-XXXX XXXX| Account # XXXX Open Date XX/XX/XXXX, XXXX| Amount : {$5000.00} XXXX-XXXX  XXXX| Account # XXXX Open Date XX/XX/XXXX, XXXX Amount : {$18000.00} XXXX XXXX XXXX Account # XXXX| XXXX XXXX XX/XX/XXXX, XXXX Amount : {$3300.00} Equifax is in continued violation of my rights under the Fairs Credit Act. I have attached a letter from Equifax refusing to block the accounts under section 605B of the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I checked my report and noticed accounts that i did not open XX/XX/year> inthe amount of {$750.00}
Product: Vehicle loan or lease

I opened an auto loan with Wells Fargo in XXXX, XXXX. I made my payments on-time and they had my truck repossessed in XXXX, XXXX  after only missing one payment. They've since obviously sold the truck and have forgiven the remaining debt on the loan. I have a XXXX balance and my loan is literally months from falling off of my credit report, BUT, they've incorrectly labeled my payment history on my credit reports. 

I recently read an article posted on XXXX from XX/XX/XXXXXXXX  titled " Wells Fargo might owe you moneyheres how to get it. '' In that article, it said that Wells Fargo had been sued and that anyone that had an auto loan between XXXX  and XXXX  would qualify for damages. 

It specifically said " For auto loan customers, illegal practices include prepaid gap coverage that wasnt refunded when loans were paid off early, incorrectly applied payments that led to higher interest charges and fees, and unwarranted auto repossessions. The total amount of damages owed to each affected customer will vary, according to numbers provided by the CFPB. For automobile repossessions, compensation is at least, but is not limited to, {$4000.00}. '' I believe that I'm affected and I have NOT received {$4000.00}. 

My Loan Account ended in XXXX Since the repossession of my vehicle, I've moved and changed phone numbers. Unfortunately, I only have the last four digits of my account number, however, I can provide my name, social, former address, anything they need.
Product: Payday loan, title loan, or personal loan

I have sent numerous emails to their customer support email I get five or six emails saying that I need to send a email that is linked to my account even though the account email that I was sending them was from my account email that is on file with my account I had then send a screenshot to whoever I was speaking to he then apologized but that is not my problem they are telling me that I need to submit evidence for this that and the third to update my banking information I have already explain to them that this account that is linked to this account is in the process of being closed and has been compromised and that its overdrawn by over {$1000.00} I have explain this repeatedly not only that I have also told them the new bank account information that I am giving them still has the employer and direct deposit payments when I originally set up this account from the same employer they are denying me to be able to make my payment on time they are denying me to update my bank information to be able to pay this debt off and not only that they are going to hit me with a bunch of late fees and other fees that are associated with late payments even though that I have been trying to deal with this for the last three weeks and give me a negative report on my credit bureau even though that this couldve easily been straightened out if their customer service department would have gave me the option to update my new checking information or take another form of payment I am frustrated at this point and I am literally sick of this company at this point I am asking you to step in to figure out what is going on with this company to hopefully fix it and to Where is somebody else wont have to deal with the frustration like I have a judging by some of the reviews on the XXXX XXXX I can tell that I am not the only person that is dealing with this issue from this company
Product: Checking or savings account

In XX/XX/2023, I made the mistake of falling for a fraudulent job offer that was a XXXX XXXX job within my XXXX emails. In my " job, '' I was to use my bank account to deposit fake checks and send them to various accounts through XXXX. Once I realized my error, TD Bank froze my checking account due to fraudulent activities and bounced checks, which had stolen around {$600.00} to {$750.00} from me. TD Bank did not give me any chances to explain my situation and had me pay back the bank around $ XXXX, which I had done once I could. After I had paid back the bank, my account was fully closed. The problem begins from there. After paying around {$1000.00} with the support of my parents due to being a XXXX XXXX XXXX at XXXX XXXX XXXX, I was allowed to open new accounts and continue my relationship with TD Bank. I opened two new accounts around XXXX, a checking account and a savings account, with the bank teller despite him seeing a warning code. Regardless, my new accounts were set up successfully, with the exception of me being able to use online banking, which I was told I could sign up for after a few weeks of using my new accounts. I waited a month or so and had no problems using my accounts for anything but online banking. My transactions went through flawlessly, and no calls or warnings were made. I stayed within what I could afford and saved as I was still XXXX XXXX XXXX 
After waiting for some reasonable time since my checks kept coming in, I decided to head into the TD Branch to resolve my online banking issue, but I could not work through it. From there, my teller contacted another team by call and informed me that he would call for any updates regarding my online banking. The following day, I tried to make a purchase multiple times, and it did not go through, so I walked into my local branch the next day and met with my teller to be informed they had closed my account without giving me a reason. My account was working just fine before I went in to fix my online banking, and if it were due to my being a fraud victim on my previous account, then my relationship with TD Bank should have ended immediately. Instead, I was issued a new account for it to be closed after four months, which makes my XXXX XXXX XXXX score XXXX, which blocks me from many banks, including XXXX XXXX. I am being barred from banks due to TD Banks ' miscommunication. I have been facing trouble banking due to my mistakes as an XXXX, which I longed paid for, but also due to TD Bank falsely allowing me new accounts to be closed without any given warning or reason.
Product: Credit reporting or other personal consumer reports

In according 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 furbish an account without my written instructions.
Product: Mortgage

I made two {$1100.00} ( total {$2200.00} ) in XXXX. This was to meet my XXXX obligation. These payments have not posted. I have bank confirmation that the payments were delivered. I called today to ask why my account had not been updated. I didnt catch the persons name who provided customer service. My wait time was 1 hour and 30 minutes before anyone bothered to pick up. She alleged I had not made payment in XXXX. She alleged I had a returned payment in XXXX. My payments have been on time or paid in advance since XX/XX/2008. This has been reflected in the monthly statements published by the mortgage company. So I questioned this persons competence. I believe my payments were improperly allocated. Theyre trying to hit me with a late fee and adversely affect my credit. The customer service person refused to let me speak with a supervisor. She alleged she was going to send me my payment history. She confirmed my email address and claimed she was going to email my payment history. It has not been received. She said any payment dispute I had must be submitted in writing. When I asked for her for her name and employee ID, I was put on hold while she spoke to a supervisor. When she came back, I was supposed to be transferred to a supervisor. I was transferred to a random answering service & eventually was disconnected.