23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

have disputed the late payments on XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX   XXXX accounts for months. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Product: Checking or savings account

Please refer first to complaint # XXXX which was closed unsatisfactorily. Although you had Wells Fargo respond, they still did not respond with the requested information, nor did anyone check into the legitimacy of the " subpoenas '' issued to Wells Fargo in which they freely handed over my mother 's personal checking account and personal savings account statement to unqualified recipients. All dates were filed in the original complaint.
Product: Credit card or prepaid card

I purchased cruise tickets for a total of {$700.00} odd dollars on my AMEX gold card. In XX/XX/2020 the cruise was cancelled and XXXX XXXX only allowed to apply for a refund during a small window of time that I was intentionally informed incorrectly of. They refused to give me a refund even though the cruise was cancelled, I filed a dispute with amex who refused to help. I ended up paying for the cruise never taken and closed the card.
Product: Credit reporting or other personal consumer reports

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 
Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXX XXXX XXXXXXXX, XXXX XXXX XXXX
Product: Student loan

My spouse was going to school at XXXX, she was XXXX in a car accident, we had student loans with several lenders, all her loans were forgiven but one,  salle mae said that because i was a co signer i would have to pay in full plus interest, they would not talk about any forgivness, i think this is wrong, if she would have here i would have gladly paid for the loan, this happen in XX/XX/2011 i paid the loan but i want to know how i can get something back .... thank you XXXX ... ... ps they told me because i co signed i had no rights ... ..
Product: Mortgage

On XXXX XXXX XXXX, I obtained a Loan Modification with Suntrust Mortgage that fixes my interest rate in 2.75 % for the whole term of my mortgage. As part of the agreement, my monthly payments from XXXX XXXX until XXXX XXXX were in the amount of {$1000.00} plus escrows ; however, recently I received new Statements from SunTrust Mortgage for XXXX month showing a payment increase of
Product: Debt collection

I am composing this urgent correspondence to implore the intervention of the Fair Debt Collection Practices Act ( FDCPA ) to halt the illicit foreclosure proceedings that are currently targeting my residence, which is presently in a state of pre-foreclosure. These proceedings have been relentlessly pursued by XXXX XXXX XXXX XXXX XXXX, headquartered in XXXX, Texas, and XXXX XXXX XXXX, based in XXXX, California. It is pertinent to note that the fraudulent Home Equity Line of Credit ( HELOC ) account, complete with fabricated and forged signatures and fingerprints, was initiated 19 years ago. 

I have lodged formal complaints with several authoritative bodies, including the Consumer Financial Protection Bureau, the Federal Trade Commission ( Account number : XXXX ), the California Attorney General 's Office ( Case number : XXXX XXXX ), and the XXXX XXXX XXXX XXXX Attorney 's Office ( Case number : XXXX ), in addition to corresponding with the California Secretary of State, XXXX XXXX XXXX XXXX Regrettably, my efforts have brought to light discrepancies, such as the discovery that a notary public had misrepresented her last name. Furthermore, I reported these egregious acts of fraud to the Federal Bureau of Investigation ( FBI ) on XX/XX/XXXX, and despite numerous interviews, the FBI has not pursued the matter, citing a statute of limitations related to the financial crimes committed nearly two decades ago. 

The financial toll resulting from this duplicitous conduct, which transpired in XX/XX/XXXX and XX/XX/XXXX, amounts to a staggering {$180000.00}. Moreover, the perpetrators made regular interest payments for 27 months to conceal their actions. To compound matters, the fraudulent HELOC account was sold to a debt collector by Bank of America in XXXX, leaving my wife and I ensnared in a web of deceit and accruing interest. 

In light of these distressing circumstances, I urgently implore your immediate intervention to engage the debt collector, XXXX XXXX, to halt the impending foreclosure proceedings scheduled for XX/XX/XXXX. 

Sincerely, XXXX XXXX and XXXX XXXX Homeowners of XXXX XXXX XXXX, XXXX, CA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

All 3 bureaus are adding " Reaffirmation of Debt '' each month to my XXXX XXXX XXXX XXXX XXXX card each month. They are reaging my XXXX XXXX that was XXXX in XXXX 

This is bringing down my score XXXX points each month and they are not fixing the issue & have closed or failed to respond within the specified time frames. 

XXXX, XXXX and TransUNion have negatively affected my accounts due to this erroneous reporting they are not correcting. It took me years to build up my credit and these agencies are not doing their due diligence in fixing the issue and coding on my credit file. They refresh the " Reaffirmation of Debt '' each month and fail to delete this from the file since the Bankruptcy was XXXX over 7 years ago going on 8 years.
Product: Credit card or prepaid card

On XX/XX/XXXX, Synchrony Bank sent me an email about my credit card saying, " We noticed that after we sent you a new Sam 's Club Mastercard last year, you continued to use your old card. This new card replaces your old Sam 's Club Mastercard. The old card will be deactivated soon and you will no longer be able to make purchases on it. '' When I rec 'd a new card ( expires XX/XX/XXXX ) I cut up my old card. So I obviously wasn't using it, so this email immediately made me nervous, believing someone was using my account with the old expiration date/security code from rear of the card. 

I called Synchrony Bank, spent way too long getting past their automated answering system, which said they were experiencing long wait times. ( To me that means they either did something that caused a lot of their customers to call in or they are understaffed. 

When I finally got a real person ( who obviously did not speak XXXX as his native language ), repeated all the info I had already given the automated system ( Seems like the purpose of the system asking is to keep you distracted so you don't realize how long you have been waiting ) and told him the purpose of my call, he said no one was using my old card, Synchrony Bank had sent this email to ALL their credit card customers! 

I told him that was unacceptable to think it was ok to send a bogus email containg lies to customers that makes them think someone is using their credit card w/o authorization and I may as well be doing business with Wells Fargo. 

I asked for the name & contact info of the gov't agency overseeing banks & credit cards but he wouldn't. When I said it was the FTC & I would look it up, he suddenly " remembered '' & gave me the phone number. 

Does the FTC allow banks to send such lying emails to credit card customers?
Product: Credit reporting or other personal consumer reports

I was just notified the Synchrony Bank Care Credit has submitted inaccurate information to my credit report. It states that I have a 30+ day late payment for {$1100.00}. This information is not true or accurate. I have reached out directly to Synchrony Bank Care Credit and requested that they remove this information they have not deleted it. I am trying to purchase a new vehicle because mine was totaled last week, and I am unable to do so because of this false information. According to 15 U.S.C 1681 law there should not be any inaccurate damaging information on my report. It is deformation and damaging to me. 

Synchrony Bank account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XX/XX/2022 XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint due to some unknown account appearing on my credit report I sent out a FTC complaint and CFPB complaint as well .Be advised I am disputing validation and proof of claim of the disputed debt is requested in accordance with the FCRA & FDCPA 1692 and as amended by adding the following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC . 1666 et seq. All of which work in conjunction with each other, including the Truth In Lending Act ( TILA ) 15 USC 1601 et seq. This is NOT a request for verification or proof of Claimant mailing address, but a request for VALIDATION and PROOF OF CLAIM made pursuant to the above-named Titles and Sections. I respectfully request that your offices provide Claimant with competent evidence as per the attached Declaration and Proof of Claim that I have any legal obligation to pay you the unsubstantiated alleged debt. Furthermore you shall cease all verbal communication. No phone calls to the Claimant. Please send me any and all VALIDATION and PROOF OF CLAIM Documentation for the following accounts : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX/XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX   XXXX # XXXX,
Product: Debt collection

I receive a call every single day at WORK. A co-worker of mine has answered a few times and my coworker was told personal information related to my account. The caller assumed they had reached my desk when in fact I was out of the office so the call was automatically transferred to someone else. When that person answered the caller assumed they had reached the right person and proceeded to provide my first and last name as well as what they were calling in regards to.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. The accounts that I have disputed are, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Incorrect Personal information is being reported by the credit reporting companies
Product: Debt collection

on XX/XX/2022 I XXXX XXXX a federally protected consumer sent SYNCHRONY BANK a request for debt validation, including but not limited to the initial agreement, debt collector failed to verify debt. Debt collector sent billing statements which is not verification of debt.
Product: Credit reporting

I have been disputing and requesting validation of a debt I do not owe for nearly a year now and TRANSUNION has not only been evasive, they have never once provided the requested and official documentation required by law, in reference to the following accounts : XXXX XXXX XXXX Acct # : XXXX since XXXX 2014, and XXXX Acct # : XXXX since XXXX 2014. Not once have they provided me valid proof that it was mine NOR that I had a contract with either of these company. Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g ( Sec. 809 ) that the claim that I owe them is not valid, and that I requested validation, and additionally I demanded proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of their authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. 

I have repeatedly asked them to provide the following, below ( items XXXX-XXXX ) but would not disclose how they got any of my information in the first place : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. This type of practice is not only upsetting but the authority and power these people have over other consumers presumably is also very illegal. They obviously are not willing to provide this which is even further illegal. 

I further ask that you look into the practices of this company and these collection charges brought against me that since it is the Bureaus RESPONSIBILITY to clean up and report accurate, fair, and verifiable information, they are not doing their job
Product: Debt collection

I SENT A MAIL ASKING FOR VALIDATION OF THE DEBT THEY CLAIMED I OWE DATED XX/XX/XXXX, THEN ANOTHER ONE ON XX/XX/XXXX. BECAUSE OF NO RESPOND I FOLLOW UP ANOTHER LETTER DATED XXXX AND XX/XX/XXXX. I HAVE BEEN TRYING TO REACH OUT TO THEM AND ASK FOR A PROPER VALIDATION OF THE DEBT FOR {$1200.00}. IN ADDITION THE BALANCE OF THIS DEBT IS NOT CONSISTENT. THEY HAVE BEEN REPORTING SEVERAL DIFFERENT BALANCES IN THE ACCOUNT. HOW CAN THEY DO THAT? WHERE ARE ALL THIS INFORMATION COMING FROM. PLEASE SEE ATTACHED FILE FROM PREVIOUS MONTHS WITH INCONSISTENT BALANCE REPORTED
Product: Mortgage

Nationstar is not posting payments in the amount received. We are sending XXXX they are only posting XXXX. They are also not posting in a timely manner. We paid our XX/XX/XXXX payment XXXX/XXXX/16. As of the statement we received on XXXX/XXXX/16, the payment does not show how much went to Principal and interest. The online website does. Also their statements are only sent out 4 days before the duedate. See XX/XX/XXXX statement date of XXXX/XXXX/16 due XXXX/XXXX/16. We have made our XX/XX/XXXX payment on XXXX/XXXX/16 and it has yet to show on their website or the statement. It is taking sometimes up to a month to post a payment. 
They are also charging a XXXX legal fee. after much discussion and no reason as to why that was charged they finally removed the charge. This has happened every month since they bought the mortgage. 
I have tried every month since XXXX 2016 to resolve the issue with the payment amount without success,
Product: Debt collection

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

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

5 U.S.C 1681 Section 604 A Section 2 : It also states a consumer porting agency can not furnish a account without my written instructions 5 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

This account needs to be removed it has been settled and is reporting incorrectly I have attached all of the documents that show PROOF! 

The have date of last payment says XX/XX/2020 this account has been sold to a different company and settled this makes no sense every time I contact them to remove this account they send me the attached letter to the company that owns the account which is settled as you can see on the paper its a {$0.00} balance
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX Subject : Request for Validation of Debt Account XXXX Dear XXXX I am writing to formally request validation of the debt reported by Midland Credit Management , Inc. ( Account Number : XXXX ) as reflected in my credit report. Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I have the right to request verification of any debts listed on my credit report. 

Account Details : Creditor : Midland Credit Management , Inc . 
Account Type : Factoring Company Account Original Creditor : XXXX XXXX. 
Balance : {$5100.00} Date Opened : XX/XX/XXXX Pay Status : Collection Estimated Removal Date : XX/XX/XXXX Request for Validation I dispute the validity of this debt for the following reasons : Lack of Detailed Documentation : I have not received adequate documentation proving that I owe this debt or that Midland Credit Management has the authority to collect on behalf of XXXX XXXX. 

Potential Inaccuracy : Given the significant amount, I request detailed statements that validate the original debt, including the payment history and any correspondence regarding this account. 
Request for Action Please provide me with the following : Verification of the debt, including the original signed agreement with XXXX XXXX. 
A detailed account statement showing the balance owed, payment history, and any fees or charges added. 
Documentation confirming Midland Credit Managements right to collect this debt.

Suspension of Reporting As per the FDCPA, I request that you remove any reporting of this account until you have provided the requested validation. 

I appreciate your prompt attention to this matter and look forward to your response. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX
Product: Debt collection

Debt collector says I owe a phantom bill. XXXX ca n't tell me where bill came from. Bill was nonexistent until XXXX 2014. No one can say when incurred and for what.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report indicates a late payment for XXXX. All payments were made on time, and there was no balance in XXXX. They failed to process a payment in XXXX/XXXX but are claiming I am responsible for this.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting several unauthorized inquiries on my account. 
XXXX XX/XX/22 XXXX XX/XX/22 XXXX XX/XX/22
Product: Money transfer, virtual currency, or money service

Around the end of XXXX I responded to an ad on parent company PayPal 's site for a {$10.00} bonus for opening a Venmo account and verifying your number. I did so and was first told by Venmo that I would receive the bonus on XX/XX/XXXX, XX/XX/XXXX at the latest. XX/XX/XXXX came and went, and now on XX/XX/XXXX they're changing their tune and passing the buck
Product: Checking or savings account

XXXX XXXX found my checking account was being debited for money that had nothing to do with something I orderd. I found that the defect is XXXX  someone uses there info to steal money. I called XXXX and they are aware. In the past I had 2 checking accounts with Bank of America they charged me over and over again bank fees. Since I found out about the fraud I checked my statements for Bank of America. I found the same fraud the phone number they use is XXXX  XXXX-XXXX  without basic agencies. One that I found was XXXX  under XXXX XXXX. I need Bank of America to put in a claim for all the checking accounts but its been a least 1 year since I had them as my banker. I was so upset at the money and fees they were taking I would cry and ask them what I could do. I found $XXXX  worth of fraud actions. Can I recover the money and have them review the 2 checking accounts. They go back years. What should I do? Can they refuse to refund me the money and the fees as did XXXX XXXX. XXXX   XXXXXXXXXXXX.XXXX I have been very sick during this time. I took the banks word that all the transaction were correct. I know that this is not good.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, and I hope all is well. While reviewing the credit profile to XXXX/Equifax/XXXX, the number of uncertain tradelines continues to be placed when the debt is unknown to the credit profile. XXXX XXXX hired a third-party collection of  XXXX to report items on the credit profile. Wanted to satisfy the debt. Customer service refused payment, requested documents, documents sent. If practices failed with refusing payments, as a consumer, my credit shouldn't be compromised. The continued actions have violated the Federal Credit Reporting Act. This is a violation of the law with continued failed practices, which decreases my credit score and creditworthiness.
Product: Credit reporting or other personal consumer reports

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 NC XXXX The following personal information is incorrect
Product: Credit reporting, credit repair services, or other personal consumer reports

I live at one address and that is XXXX XXXX XXXX XXXX XXXX Illinois XXXX. Thats the only address that suppose to be on all 3 of my credit reports.
Product: Prepaid card

I purchased a prepaid card from XXXXXXXX XXXX XXXX XXXX and at the time of purchase I had loaded the prepaid card with {$500.00} dollars. 

On the day that I purchased the card I began having trouble with activate of the prepaid card and had made several attempts calling customer service, I was led to believe that the prepaid card would be activated in 24hours, I was told this about 4 times. Without any course of action to get the prepaid card activated. 

After 4 days without any corrective action from XXXXXXXX XXXX XXXX XXXX to simply activate the card so I could use the funds to pay bills that are now overdue