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

I am writing to formally address the ongoing issue regarding late open accounts on my credit report and express my frustration with the multiple unsuccessful attempts to have them corrected. Despite numerous efforts on my part, the inaccuracies persist, causing significant distress and damage to my financial standing. 

Since discovering the late open accounts on my credit report, I have diligently followed the prescribed procedures outlined by your agency to rectify these issues. I have submitted formal disputes, provided supporting documentation, and cooperated fully with your investigation process. However, despite my persistent efforts, the inaccuracies remain unresolved. 

The presence of these inaccuracies not only undermines the accuracy and integrity of my credit report but also poses a serious threat to my financial stability. As a responsible consumer, I find it unacceptable to be unfairly penalized for inaccuracies that do not accurately reflect my credit behavior. 

Furthermore, the lack of progress and communication regarding the status of my disputes has further exacerbated my frustration and eroded my trust in your agency. I have not received any updates or explanations regarding the reasons for the repeated failure to correct these inaccuracies, leaving me feeling disregarded and powerless in protecting my financial interests. 

I demand immediate and effective action to thoroughly investigate and rectify these situations by expediting the correction of the late open accounts from my credit report. Additionally, I request transparent communication and regular updates regarding the steps being taken to address these matters. 

Given the urgency of these issues, I urge you to prioritize their resolution and expedite the correction process. Any further delay or lack of communication will compel me to escalate this complaint to relevant regulatory authorities and pursue all available legal remedies to seek redress for the harm caused to my creditworthiness and financial standing. 

I trust that you will take this matter seriously and prioritize its resolution to avoid any further escalation. Please acknowledge receipt of this complaint and provide assurance that immediate steps will be taken to address my concerns. With this, I am asking for your assisstance to correct these accounts in my credit file : XXXX XXXX XXXX Balance Owed : {$1600.00} ; XXXX XXXX XXXXXXXX XXXX Balance Owed : {$2200.00} ; XXXXXXXX XXXX  XXXX Balance Owed : {$39000.00}.
Product: Mortgage

I filed case number XXXX - XXXX on XXXX/XXXX/16. The outcome was timely, HOWEVER, because HSBC purposely took 5+ mo on a task they stated would take " UP TO '' 90 days, my buyer backed out & no longer wants my property, in addition I now owe my lawyer over {$1600.00} in fee 's & also almost {$6000.00} in taxes & maintenance fee 's ( that my lawyer pd on my behalf ) but only because my buyer had agreed to pay them in addition to my asking price. This sale was not lost because of an oversight 15+ yrs ago, it was a direct result of HSBC 's negligence, to handle my request in a timely manner as they had indicated.
Product: Credit card or prepaid card

I bought a prepaid card for my daughter in law. I have the receipt and provided it. The company assured us theyd send a new card and they have not. The card has a huge barcode over the back of it so you cant even read who to contact. I finally got ahold of the company and you have to jump through hoops ( what is 9+5 ) to even connect to customer service. I have been on hold for 20 minutes and no one has answered. The card is locked so I cant confirm it online. The website says the closed shop and asked you to contact XXXX XXXX instead. It is listed as XXXX.
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 XXXX Account XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 seven 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 or other personal consumer reports

I LOOK ON MY CREDIT REPORT AND NOTICED THESE FRAUDULENT ACCOUNTS WHICH XXXX AND XXXX ALONG WITH XXXX XXXX  XXXX KEEP REINSERTING WITHOUT NOTICE WHICH IS A VIOLATION AND I DEMAND PROOF THIS FRAUDULENT ACCOUNT SHOULD BE RE-INSERTED.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, I pulled my credit report. I found that I was charged for a debt that I do not owe my Wells Fargo. Ironically it is the same amount that I was charged on my checking account when my father tried to send money to me. This was in XXXX. At the time of the incident I called and tried to get to the bottom of this matter and I was dismissed and over looked. They even called the police to my place of residency because they assumed that I stole my fathers card, when he was on the phone as well letting them know that he tried to send the money via bill pay thinking that it would still get to me. 

I have called, I have sent emails, I have written letters, and no response or correspondence has been received. 

The letter to the CEO : XXXX XXXX XXXX, Board of Directors, Customer Care, Wells Fargo Financial Services, etc. 

Good Morning, My name is XXXX XXXX and I am writing and praying that this is my final attempt. In XXXX I became a Wells Fargo customer when I started my first day of college ( XXXX XXXX, I have never had a checking account so this was definitely something new and exciting to me. As time passed I had my ups and downs but I remained loyal to Wells Fargo, even after they charged me 7 NSF fees ( {$240.00} ) because my dad accidentally sent money through bill pay instead of depositing it like a normal person. They did n't even offer to remove the fees after I immediately called and explained what was going on. I stayed with Wells Fargo after they sent the police to my place of residence because they had this notion that I stole my fathers card and was trying to send money to my account ; after my father told them that this was a misunderstanding and that he in fact thought sending it bill pay would still get the money to me since I am his bill ( lol ). 

Now I am faced with the biggest dilemma of all times. I am in the process of buying my first home for me and my finally, so I pulled my credit report. As i read line item after line item, i see Wells Fargo Card Services listed on my credit report. To my shock, I am confused as to why I owe Wells Fargo something I never had? As I think back over the 6 years of being with Wells Fargo I have never been offered a credit card ; consequently it is listed on my credit report as the same amount, that was charged on my account when my dad messed up and sent the money through bill pay. How ironic is that? 

I have sent in letters, I have called, I have emailed customer care and no one is able to answer any questions. I am at my wits end and I need to get to the bottom of this. I am asking that you please look into this and find out what is going on. If there is no proof of this matter please remove this from all credit reporting agencies. I am begging you not to over look this email and trash it simply because you think its another person trying to scheme. Please help me figure this out so that I can be great for my family. 


Thank you in advance and I look forward to hearing from you. Please feel free to email me at the address.
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX XXXXXXXX XXXX, AND XXXX were never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting

I filed a dispute with Equifax because they are reporting my bankruptcy us XXXX bankruptcies under public records which has caused my credit score to drop significantly. I provided documents in the original dispute showing that my bankruptcy was discharged in XXXX XXXX and that I in fact only have XXXX bankruptcy. I attached a copy of my discharged bankruptcy. I also, faxed Equifax copies of my ID, social security card, paycheck stub, and current utility bill on XXXX/XXXX/XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, 2023 : ( INQUIRY ) -XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, 2023 : ( INQUIRY ) XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, 2023 : ( INQUIRY ) - XXXX XXXX ( XXXX XXXX XXXX XXXX, 2023 : ( INQUIRY ) - XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX, 2023 : ( INQUIRY ) - XXXX XXXX ( AUTO ) XXXX XXXX, 2023 : ( INQUIRY ) - XXXXXXXX XXXX XXXX XXXX XXXX All these inquiries has been submitted without my consent or knowledge. This is in fact proof of me being a victim of identity theft/fraud. These inquires need to be Removed immediately from all credit reporting agencies. Ive reach out to ever merchant listed above and i hav not got any response so i am reaching out to reportfraud.ftc.gov to provide this report from CFPB to have this fraud issue handled immediately.
Product: Checking or savings account

Someone wrote a check and deposited the check into my Bank Of America checking account in XX/XX/2013. I reported it as Fraud transaction. Bank Of America never got back in touch with me about this. I now can't open up an account with no bank because of this. My name is XXXX XXXX.
Product: Debt collection

This company contacts me multiple times per day. Exceeding 8 times. I tell them and ask to stop being contacted. Yet they still contact several times per hour.
Product: Debt collection

I have tried many times to get a copy of this debt. I asked for a copy of the signed contract and or agreement. I asked for anything and got no response. The only thing this company does it keeps moving the date of when this was last paid or opened.
Product: Money transfer, virtual currency, or money service

I was given a check of XXXX. It was deposit electronically in my XXXX checking account on XX/XX/scrub>XXXX at approximately XXXX. I then transferred the monies in to my PayPal account to be transferred to a XXXX XXXX. Right after I did the transaction, within minutes, I realized it was a fraud check and I was scammed. So I called the bank and told them what had happen they told me to call PayPal and have them not issue the money so I did. I spoke to the fraud department at PayPal and I was assured and promised it would not pay XXXX XXXX. I called PayPal again on XXXX  again just so I was reassured the transaction wouldnt go through. I called them everyday for the next few days again just reassure. Here all that and they paid the money anyway. Why would you pay someone when I told you he was a scammer. I have tried to solve this with PayPal and I get the run around. I have asked for the recorded phone conversations I have had with them on multiple occasions and I still have not received them. I asked them for these conversations twice and still havent received them. So I am out XXXX because PayPal paid a scammer money which they knew a head of time about it and I was promised they wouldnt transfer money to XXXX. I have asked them to take the money back from his account because he is fraud and they wouldnt do it. So they more less are saying give a fraud check, which right there is a federal offense, and also scamming someone is ok. If someone listens to the phone conversations, they would know I was promised this transaction would not had happen. I believe the reason XXXX havent received the recorded phone transaction because someone at PayPal knows this was wrong. PayPal should get the money back from XXXX XXXX
Product: Vehicle loan or lease

Collection Agency Name Address City, State Zip Name of Original Creditor Address City, State Zip Name of Original Seller ( car dealer ) Address City, State Zip Re : Acct # XXXX XXXX XXXX XXXX XXXX Make of car : XXXX Model : XXXX VIN Number : XXXX To Whom It May Concern : I am writing concerning the above-referenced accounts and transactions.

This vehicle was reported repossessed in the State of Florida on or about, XX/XX/2023, my payments have been current and up to date. My car is not repossessed, and is in my possession. 

According to the Fair Cresi Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- they are required to promptly Delete all information that is inaccurate, incomplete, or which can not be verified.

Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. 

If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. 

Additionally, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and UCC remedies.
Product: Debt collection

I received a letter in the mail from " Spring Oaks Capital LLC '' stating that I owe an alleged debt. I am a federally protected consumer under the United States Constitution and my consumer rights are being violated. The reference number on the letter is XXXX. I do not owe any debt and I demand that they cease any collections effort immediately and do not report anything to any credit reporting agency. I unfortunately have been a victim of identity theft resulting in fraudulent accounts being opened in my name. Spring Oaks Capital LLC are illegally attempting to collect an alleged debt that they have received fro " Upgrade ''. I supplied " Upgrade '' all of the supporting documents that prove this isa fraudulent account. Upgrade removed the account from my credit file and stopped attempting to collect the debt. Spring Oaks Capital is violating the FDCPA sending me deceptive forms to make me think I owe an alleged debt and take my money. It is illegal for them to collect on a fraudulent debt. I demand that they stop attempting to collect the alleged debt, send me a letter relieving me of financial responsibility and do not report anything to any credit reporting agency. If they do not the will be responsible for civil and criminal liability under the FDCPA.
Product: Mortgage

I had a Home Equity Line of Credit that was sold to Rushmore Services by another Financial Institution. This was t

he 3rd time that the line of Credit was sold. I decided to pay off the loan and started to make large payments. 
Toward the end of the loan, I decided to call and ask what the proper procedures were to pay off and close the line. 
XXXX Called, I was told my balance was {$270.00} and because it is over {$200.00}, I have to do it as a wire transfer. I went ahead and did that Paid {$270.00} + {$25.00} Wire Fee.

XX/XX/XXXXReceived an email confirmation that the loan is paid off ( attached ) XXXX Received a letter stating that I owe {$690.00}. I was surprised and thought this is a mistake, called to resolve it. They told me that the account is not closed because a form ( HELOC PAYOFF AUTH ) was not submitted. I had no idea that was needed. They never told me that in XXXX?! I said fine, let me do whatever is needed. Sent in the HELOC form and agreed to pay {$70.00} in late fees and other charges. Payment was taken over the phone. Spent an hour and a half on the phone! 
XXXX Received an email with a new Payoff Quote, Due {$76.00} XXXXCalled disputing this again. Spoke with XXXX, he agreed that this was a mistake and said that he will escalate it to his managers to be withdrawn and account closed. Spent an hour and a half on the phone! 
XXXX Received another payoff quote via email, due {$76.00}, called again to dispute, spoke with XXXX ( She consulted with her supervisor ), said it will be escalated and withdrawn. Spent 2 hours on the phone! 
XXXX I get a notification from XXXX that I was reported to have a delinquent account. I looked at the details and it's this one ( attached ). I am so upset and frustrated. I no longer have the strength to fight this! I don't have the time to spend more hours on the phone with these people! I opened an online ticket with them. Ticket # XXXX ( attached ). Hope that they will finally do the right thing and close this line of credit and withdraw the delinquent account from my Credit Report!
Product: Debt collection

They do not leave a phone number and keep harassing me from the following numbers : XXXX Texting - XXXX
Product: Debt collection

On XX/XX/year>, I became aware that Velocity Investments LLC has filed a lawsuit against me. Prior to this date, I was never informed that I was being sued, nor did I receive any communication regarding their attempts to collect a debt from me. I only learned of Velocity Investment LLC when I attempted to dispute the original creditor, XXXX XXXX XXXX. 

When I contacted Velocity Investments LLC, the representative I spoke with was extremely rude and unprofessional. He hung up on me during our conversation. I requested a signed contract between myself and Velocity Investments LLC, offering to provide my current address for correspondence. The representative refused to take my address and stated that he didnt need it. Additionally, he did not provide me with any information about their attorney, which I requested in order to initiate contact. 

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am entitled to request validation of the debt, and the collector is required to provide me with accurate and clear information regarding the debt, including any legal representation involved. Their failure to provide this information violates my rights under federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I disputed an account from XXXX XXXX on my report. The information says transacting ( or attempting to transact ) with an account in an unauthorized or prohibited manner. I received results in the mail with the same incorrect information still reporting. On XX/XX/XXXX I filed a complaint to the company. Their response still has not removed the incorrect information. This letter is in response to your recent claim that XXXX XXXX  has verified this account to be accurate. Yet again, you have failed to provide me with a copy of any viable evidence submitted by XXXX XXXX. 
I am unaware of ever transacting ( or attempting to transact ) with an account in an unauthorized or prohibited manner with this bank. Please validate this information with XXXX XXXX and provide me with copies of any documentation associated with this transacting ( or attempting to transact ) in an unauthorized or prohibited manner, bearing my signature. In the absence of any such documentation, I ask that this information be immediately deleted from the file you maintain under my Social Security number. 
You have 15 days to verify this information and to provide me with a document bearing my original signature. If you can not, I am demanding removal under the Fair Credit Reporting Act. 
This report is severely restricting my banking abilities.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX **Credence Resource ManagementXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX XXXX : Account Number XXXX To Whom It May Concern : This letter is a formal request for debt validation pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I am disputing the validity of the debt you are attempting to collect and requesting the following information : 1. **Proof of Chain of Title** : Provide documentation proving that Credence Resource Management is authorized to collect on this debt. This must include a complete and clear chain of title demonstrating how the debt was transferred to your company.

2. **Signed Contract** : Provide a copy of the signed contract or agreement between myself and the original creditor that grants you permission to collect this debt.

3. **Payment History** : Provide a detailed, itemized list of all payments made on this account, including dates, amounts, and the entity to which payments were made.

4. **Insurance Claims** : Disclose any insurance claims filed or payments received related to this debt.

5. **Violations and Damages** : If any violations of the FDCPA or other consumer protection laws have occurred during your collection efforts, I demand {$1000.00} per violation as provided under 15 U.S.C. 1692k.

Under the FDCPA, you are required to cease all collection activities until you provide the requested validation. Failure to comply with this request within 30 days of receipt of this letter will result in further legal action.

Additionally, I demand that all communication regarding this matter be in writing and sent to the address above. Do not contact me by phone or email. 

This letter serves as notice that I am disputing this debt and requesting validation. If you fail to provide the requested information within 30 days, I will consider this matter resolved and will pursue all available legal remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Texas Attorney General, and any other relevant regulatory agencies. 

Sincerely, XXXX XXXX XXXX