23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/2018 I used Chase quickpay to send {$200.00} to a seller who promised theatre tickets in exchange for my payment. The seller was fraudulent and I contacted Chase immediately to reverse the charges. The payment was showing as pending in my cheating account and according to Chase quickpay FAQs pending charges could be reversed. Upon calling Chase they said the transaction was already completed by the receiver and could not be reversed. They said it was showing as pending since it can take a business day for these transactions to update. After complaining about how misleading their online information was they just apologized and said nothing could be done. I asked to speak to a higher authority. Chase transferred me to a sr. Specialist who reiterated the same policy. I told them about the fraudulent seller and how the Online information for Chase quickpay included rhetoric that said If you suspect fraudulent activity and would like to reverse a payment, please contact customer support. They said since I initiated the payment they could not help me. I find this to be extremely misleading by giving customers a false sense of security.
Product: Credit reporting, credit repair services, or other personal consumer reports

why and how is XXXX  reporting the balance on XXXX has increased when the account is charged off and closed. i asked 3 months ago for a breakdown an explanation of the fees and origin of the fees thats being added thats causing the balance to increase monthly on this charge off account from 5 bureaus still hadnt received anything and its been well over 60 days
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 XXXX XXXX XXXX. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX. States I have the right to privacy. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 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 seven years. 

XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. SEE ATTACHED!!
Product: Prepaid card

As I said before. My card doesnt work. And the company direct express has my government money on there.they wont answer the phone. My money was on there XXXX of XXXX. But I tried to pay a bill. And it declined.now I cant get my money off this card. Please help me.
Product: Credit reporting or other personal consumer reports

15 USC 1681 Section 602 States : I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment credit card account under an open end consumer credit plan as late for any purposes
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

EXPERIAN : 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
Product: Mortgage

On XX/XX/year> we started the process of getting an endorsement on an insurance repair check. Check was sent to the mortgage company and steps on the app were followed. Green checks showed in the loan care app, a few days later more documents were requested. All documents again submitted. After that, there has been nothing but back and forth with more documents and signatures than what was originally listed. We have called their customer service team and spoken to managers and resolutions team, all assuring us we only need one more thing before getting the funds released. It has been XXXX months, our roof is getting worse and we keep waiting. Called again today and we were told they have all documents. At this point we are so frustrated and we dont believe that will be the case. We need assistance.
Product: Debt collection

Please see email I sent to them just now. As you can see, they have refused to provide the information. 

To Whom It May Concern : I am writing this letter in response to my numerous email requests and the call we just had today. In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I had requested that you provide me with a validation of the debt that you talked of earlier. I am entitled under law ( 15 USC 1692g Sec. 809 ( b ) ) to have your claim disputed and validation was demanded several times. On the call, I was advised that you do not have the underlying debt and I needed to call someone else for that. The law requires that you maintain those documents and provide it to me. 


I had requested that your office provide me with complete documentation ( see below ) to verify that I owe the said debt and have any legal obligation to pay you. 


Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent Your offices only response to the matter was to ask me to call to discuss. I had advised that I do not want to call and simply was enforcing my right to validate the debt. As your office has failed to provide validation of the debt within 30 days, all instances related to this account must be immediately leted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 


Your non-compliance with my request is also construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 


Please note that pursuant to my emails below, I am concurrently forwarding this to the CFPB, the NJ General Attorney 's Office and the FTC for non-compliance. 


Thanking you,
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dob : XXXX Sos : XXXX Experian Dispute Division XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX Subject : Request for Investigation and Immediate Deletion of Unrecognized Accounts Reference Numbers : FTC XXXX CFPB : XXXX, XXXX, XXXX To Whom It May Concern, I, XXXX XXXX, am writing to formally dispute several inaccuracies on my credit report and request the following actions : 1. Removal of Unauthorized Accounts and Items : There are multiple creditors and items listed on my credit report that I have no knowledge of and did not authorize. These items must be removed immediately. 


Disputed Accounts : 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 - Disputes previously filed. 


Please investigate and address these issues promptly. I expect a response confirming the resolution within the timeframe outlined by the Fair Credit Reporting Act ( FCRA ). If additional documentation is required, do not hesitate to contact me at the address listed above. 

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

In regards to account XXXX XXXX XXXX XXXX # XXXX it was sold to a collection agency, which does not reflect accurately on my Credit report. Also they have misinformation such as the amount thats owed on my credit report it states the balance is {$860.00}, after speaking with the original creditor they state that its {$490.00} and then after speaking with the collection agency they state thats its {$610.00} cent. Also among my investigation i noticed that the personal information they have on record is not accurate such as my birthday and the closing date and the last payment date.
Product: Checking or savings account

This is in regards to my previous complaint with Santander. I received a letter today from them stating that my claim was denied due to inconsistencies. They conveniently left out what these inconsistencies are. Im not certain they even investigated my claim. Now, the letter I received stated the transactions as taking place on XX/XX/XXXX. In my claim, I stated XX/XX/XXXX, which is what is on their banking website. Maybe this is the transaction date versus the posting date? I dont know. What I do know is the last time I used my card was at XXXX for {$52.00}. Every card transaction after this is fraudulent. Again, these transactions are ...

XXXX for {$17.00} posted on XX/XX/XXXX, according to the banking website.

Cash Withdrawal for {$800.00} posted on XX/XX/XXXX, according to the banking website.

Cash Withdrawal for {$180.00} posted on XX/XX/XXXX, according to the banking website.
Product: Credit reporting or other personal consumer reports

I did not receive proper noitification of debt. I request a certified receipt with my signature on it that i shoulkd have received. I HAVE NEVER RECEIVED A DEBT VALIDATION LETTER. 

Credit reporting must be complete and accurate under the Fair Credit Reporting Act I have the right to dispute incomplete or inaccurate information on my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am reaching out to the CFPB regarding the illegal practices XXXX, Transunion & XXXX are engaging in concerning my consumer credit reports. I, XXXX XXXX have had my consumer and privacy rights breached and violated in which I reached out to the credit bureaus respectively and asked them to conduct a reinvestigation into these matter of fraudulent inquiries and collections in which my information was tampered with without my knowledge and consent. I reached out to the credit bureaus in which XXXX failed to conduct an investigated and continued to report illegal information in which I will include the attached documentation. XXXX XXXX XXXX XXXXXXXX received my dispute information and on the XX/XX/XXXX literally the following business day an investigation was completed in which none of the fraudulent inquiries were removed or the collections? This company illicitly ignored my concerns and demand while continuing to furnish inaccurate information that has caused me emotional and financial distress while causing me to lose my job of XXXX XXXX. They must be held accountable. The same situation happened with Transunion XXXX XXXX in which they did not conduct a 30 day investigation. Transunion has failed to open a dispute and XXXX opened 3 different disputes all completed within 5-10 days in which I was not notified of the investigation procedures or given the results and why this information is verified in which once again these bureaus simply brushed off my concerns regarding the validity of the information on my credit report. These 3 Credit Bureaus XXXX, XXXX, & Transunion must be held accountable for their violations against my privacy and consumer rights under 15 USC 1682 ( b ).
Product: Credit reporting, credit repair services, or other personal consumer reports

An account appearing on my bureau which is XXXX XXXX   and it actually XXXX XXXX XXXX which purchased my auto loan when XXXX XXXX closed their doors the loan has never been late and has been paid in full.. I am attaching the letter I got from XXXX XXXX XXXX. along with the paid in full..
Product: Payday loan, title loan, personal loan, or advance loan

In XX/XX/XXXX, I began requesting a copy of the original signed loan agreement for a loan issued by M & T Bank. I spoke with multiple representatives, including XXXX XXXX, who confirmed that no signed documentation could be located. 

On XX/XX/XXXX, I submitted a formal written demand for the original loan agreement. On XX/XX/XXXX, a representative named XXXX XXXX confirmed in writing that M & T Bank could not locate any original loan documents. Despite this, the bank continues to collect payments, charge interest, and treat the loan as enforceable. 

Between XX/XX/XXXX and XX/XX/XXXX, I sent follow-up emails and left voicemail messages for XXXX XXXX XXXX XXXX Office of the President. She initially responded saying the matter was being forwarded internally, but I received no follow-up communication. I have received no explanation, no resolution, and no acknowledgment that the documentation is missing. 

This situation raises serious concerns under federal lending laws. M & T Bank has failed to provide a signed agreement with the terms of the loan. They are actively collecting payments and charging interest on a loan that lacks any enforceable documentation. I have been left with no information regarding the terms, interest rate, or even who signed for the loan. 

I am requesting immediate intervention to : Cease collection activity and stop accruing interest on the loan Issue a full refund of all payments made to date Provide written confirmation that the loan has been dissolved Confirm that no adverse reporting will be sent to credit bureaus This ongoing lack of transparency, failure to respond, and refusal to provide required documents appears to be a violation of the Truth in Lending Act ( TILA ), Regulation Z, and ECOA recordkeeping laws.
Product: Vehicle loan or lease

Was told that the we would be financing the car for XXXX but once we got paperwork the company is charging XXXX instead and the car has tons of problems. Was made to put down XXXX plus a trade in for a car with several issues and they cant even do deferred payments. Was told today that the due date depends on the agent and day.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a repeated victim of identity theft. Ive filed a report with the XXXX XXXX XXXX Police Department. Case # XXXX! Someone has also filed unemployment in my name. 
The following accounts are fraudulent 1.XXXXXXXX XXXX XXXX XXXX {$1600.00} 2. XXXX {$580.00} 3. XXXX XXXX ( XXXX ) {$380.00} 4. XXXX XXXX XXXX {$590.00} Ive never done business with these company or entered into a signed contract with these companies. All list accounts are fraudulent!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$5900.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1700.00} ; Medical XXXX Balance : {$96.00} ; Medical XXXX Balance : {$110.00} ; Medical XXXX Balance : {$10.00} ; Medical XXXX Balance : {$75.00} ; Medical XXXX Balance : {$21.00} ; Medical XXXX Balance : {$80.00} ; Medical XXXX Balance : {$210.00} ; Medical XXXX Balance : {$31.00} ; Medical XXXX Balance : {$310.00} ; Medical XXXX Balance : {$28.00} ; Medical XXXX Balance : {$570.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My mother had gone to the doctor and my father, who has the same name as me, was supposed to pay off the rest of the bill for the doctor with his insurance. My father was in XXXX at the time and the debt collector of RS Clark and Associate, looked under my mothers relatives and saw that I had the same name as my father so they did not look to make sure it was him and charged me with the bill, and I never knew because I was gone in college at the time and they thought they billed my father. I did not know until I got a alert from my bank that my credit had dropped 44 points for a closed account that I never opened and when I called the debt collector they told me that they could not do anything but make me pay for it and it will take at least two months to get off my credit, when it was their fault that they charged the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/22 XXXX XXXX XXXX reported as a inquire on my account. 
XXXX XXXX Transunion I have done no business with XXXX XXXX, I called there office and they were unable to find my information in there XXXX base.
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. 

I requested that Transunion reinvestigate this account : XXXX XXXX XXXX XXXX XXXX for inaccurately reporting late payments. 

However, they stated everything was complete and accurate. But I don't see how that is possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. I am requesting that the 30 Days Late

Payments ( 6 ) be modified to ON TIME or for the account to be removed completely. Additionally, I would like to site other laws this account is in violation of, including : 15 USC 1666b 15 USC1637a ( a ) 15 USC 1681b 15 USC 1692g 15 USC 1681 ( 2 ) ( a ) ( I ) For these numerous reasons, I am hereby requesting that this account be deleted from my report or updated to accurately reflect ON TIME and have the 30 Days Late removed.
Product: Debt collection

After debt was verified to be forged and fraudulent XXXX was supposed to delete the records and all information about me and my XXXX child, dispose of them accordingly and was NOT TO RESELL DEBT. XXXX XXXX had previously violated 33 of my consumer rights and yet again violated another one. XXXX resold fraudulent debt to XXXX XXXX XXXX on or around XX/XX/2022. This account was once again placed on my consumer reports further damaging my character.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to bring to your attention an issue with Discover Bank concerning accounts that have been charged off. Discover Bank has reported these charged-off accounts on my credit report as balances owed, despite having filed them as profit losses on their taxes. I have not received a Form 1099-C from Discover Bank for these charged-off accounts.

According to IRS regulations, when a creditor writes off a debt as a loss, they are required to furnish the debtor with a Form 1099-C to report the canceled debt as income. This allows the debtor to accurately report the income on their taxes.

Discover Bank 's failure to provide me with a 1099-C is concerning, as it prevents me from fulfilling my tax obligations correctly. I believe I am entitled to receive this form promptly so that I may include it in my tax filings.

Furthermore, under the Fair Credit Reporting Act ( FCRA ), creditors are required to provide accurate information regarding debts. Incorrectly reporting a charged-off debt as an outstanding balance on my credit report while claiming a tax loss could constitute inaccurate reporting.

If Discover Bank does not furnish me with the Form 1099-C or remove the accounts from my credit report due to inaccurate reporting promptly, I am prepared to pursue legal action for statutory damages. This situation is causing undue stress and financial uncertainty.

I kindly request your assistance in directing Discover Bank to fulfill their legal obligation by providing me with the necessary Form 1099-C for the charged-off accounts. Please advise me on how best to proceed in resolving this matter.

Thank you for your attention to this urgent matter. I look forward to your prompt response.

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

On XX/XX/2019, I looked at my FICO score on the XXXX banking website. I noticed my FICO score had gone down from XXXX to XXXX. I called XXXX and a representative informed me that they receive their information from Experian. I explained to her that I havent opened any new accounts and I am also not delinquent on any accounts. My credit score with Experian is XXXX. When I attempted to start a dispute due to about 4 accounts labeled as possibly delinquent. When you attempt to start a dispute the website tells you you have to set up an account so that Experian can pull your credit report periodically. If you do not agree to that you cant start your dispute. The record number on Experian is XXXX
Product: Debt collection

Monthly payments are being made to Lenmark Financial @ XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, CO XXXX. I understand they are coming in late, this is no excuse. They have not been more then 30 days past due. The issue is that I get repeated phone calls from an employee by the name of XXXX. He leaves voicemails that are threatening collection tactics. I spoke to a manager months ago about an extension after the payment was made. Never went through. I make my payment each month, again I fully understand that its late I try my best not to go over 30 days ( which I have never done ). I do not want this type of employee calling me in this manner ever again. Voicemail of last message is attached.
Product: Credit reporting

I have contacted XXXX Equifax and XXXX multiple times to reports multiple inquiries on my accounts are not mine and not authorized. To no positive outcome they keep telling me there is nothing they can do. This issue is deeply affecting my credit and is unfair to me. I would like for these unauthorized inquiries be removed.