23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to formally dispute unauthorized charges made to my credit card and a collections action initiated by XXXX. This matter has caused serious and unjustified damage to my credit score and may constitute multiple violations of federal and state consumer protection laws. 

Case Summary : In XXXX, I paid my bill in full, closed my XXXX account, and ported my number to XXXX. 


XXXX continued charging my card without my knowledge or authorization, despite the account closure. 


I received no invoices, receipts, emails, or notices during this time. 


In XXXX, I discovered the unauthorized charges were being made to my credit card and contacted XXXX, but your representatives could not locate my account and refused to verify my identity using my SSN, email, or any alternative insisting only on a 6-digit PIN. The only " solution '' offered was to visit a store, which was not possible while I was traveling. 


Additionally, my account had been deactivated, leaving me unable to log in or view any records. 


As a result, I had to block XXXX via my credit card company to stop the unauthorized billing. 


I have now been informed that XXXX has placed this false debt in collections, damaging my credit. 


The number on the bill listed by the collection agent has never belonged to me. 

Potential Legal Violations : This situation may constitute violations of the following : 1. Fair Credit Reporting Act ( FCRA ) Reporting inaccurate and unverifiable debt to credit bureaus. 


Failure to notify me of adverse reporting. 


Failure to conduct a reasonable investigation upon dispute. 
( See 15 U.S. Code 1681s-2 ( a ), 1681s-2 ( b ) ) 2. Fair Debt Collection Practices Act ( FDCPA ) ( if a third-party agency is used ) Attempting to collect a debt not legally owed.

Failure to provide proper validation of the debt.

Using deceptive or unfair means in collection.

( See 15 U.S. Code 1692e, 1692f, 1692g ) 3. Electronic Fund Transfer Act ( EFTA ) Continuing to charge a payment method after revocation of authorization ( i.e., after account closure ).

Failing to notify me of recurring charges.

( See 15 U.S. Code 1693e ; Regulation E : 12 CFR 1005.10 ) 4. Truth in Lending Act ( TILA ) Failure to disclose continued billing terms or obligations upon closure, if applicable.

5. State Consumer Protection Law Engaging in deceptive billing and unfair business practices, likely in violation of state laws ( e.g., NY GBL 349 or similar ).

Immediate Resolution Demanded : A complete and itemized billing statement from the date of closure to final charge. 


Written confirmation that this matter will be removed from all credit bureaus. 


Formal acknowledgment that the account was wrongfully charged and sent to collections. 


If this is not resolved within 7 business days, I will escalate the matter to : The Consumer Financial Protection Bureau ( CFPB ) The Federal Trade Commission ( FTC ) My state Attorney General A consumer protection attorney to explore litigation and damages for the above violations. 


This is a final attempt to resolve this amicably. Please confirm receipt of this email and initiate immediate correction.
Product: Credit reporting or other personal consumer reports

As always XXXX fraudulent account was disputed. This time it was finally removed as of XX/XX/2024. And then illegally Re-opened. I asked Transuinon to remove and the fix the error. They refused. 

Not only did they fail to legally follow procedures in proper notification and paperwork directly to me of the account. The fact that it has been reported numerous times as fraudulent and proven so and then improperly investigated has been issue.
Product: Credit reporting or other personal consumer reports

Capital XXXX is purposely inaccurately reporting to consumer reporting agencies and bureaus after I requested validation of debt for account for {$440.00}. XXXX XXXX is reporting the following information : Date of last activity, Date reported, Date Account Opened, Last Payment. I have disputed this with the credit bureaus and XXXX XXXX has validated the debt with the credit bureaus and purposely neglected providing me with proper validation informatio.
Product: Mortgage

Every month when I go to make a payment online I have to make a new password every time. I will write down the new password and user name for next month, but it never works month after month.This is now the 5th time of changing my password in 5 months of this new house I have had XXXX XXXX before with another house and they still have info about the loan after years of not servicing the loan. when I call and ask them about it no one knows why they still have that information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX showing unknown payment history hurting my score FCRA viiolations
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, The XXXX XXXX # XXXX, XXXX XXXX  # XXXX, XXXX XXXX # XXXX, and XXXX XXXX # XXXX have violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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, credit repair services, or other personal consumer reports

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

Genesis Credit Management is trying to say I owe {$17000.00} to XXXX XXXX. This is extremely incorrect. They are also unethically charging interest throughout the year which is adversely affecting my credit score. 

They also need to know I will not be paying any unethical company that indulges in unethical practices any money for any reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contact XXXX  on XXXX XXXX, XXXX, XXXX and transunion concerning inaccurate information on my credit reports. I sent letters on XX/XX/202 and XX/XX/XXXX, XXXX the first letter noone sent anything and the second letter they said they verified the information and didnt send any proof of verification as requested. This inaccurate information from XXXX on XXXX XXXX is affecting me and i need them all to remove the account immediately off my credit reports.This complant that XXXX on XXXX XXXX, XXXX, XXXX and transunion allegations are not within the accepting standards of reporting law and they are compelled to eradicste by deletion of any adverse indicatoer pr demonstate physically vertifiable eveidence adequateky validated claims.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see the attached document. This is is not a duplicate. 

I have several disputes that point to XXXX XXXX XXXX. 

Please see attached document for several disputes included in one report as attached where the company XXXX XXXX XXXX has reported inaccurate data, or missing data, and malicious data. 

The complete complaint is in the attached document. 

XXXX XXXX XXXX is also reporting this collection as a regular tradeline account and they have failed to report this collection as a medical bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you because XXXX is reporting things on my credit report that do not belong to me and I have already submitted a police report and added a fraud alert on my credit report my score dropped 45 points for an account that doesnt belong to me and that was fraudulently opened. I want this fraudulent account removed at once because it does not belong to me and I had no knowledge of it being opened and it is fraud and I want it removed from my credit report at once because its fraud and does not belong to me. This is the account I want removed it is fraud and does not belong to me. XXXX XXXX XXXX XXXX Opened XX/XX/2018 + {$390.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Also I keep asking them to update balances on all my accounts which they refuse to do XXXX XXXX  and experian are purposely reporting inaccurate balances on my accounts in order to keep dropping my score these three companies have been doing this to me for sometime I have contacted XXXX XXXX news and they are following my contact with you into this matter as I am XXXX XXXX and a single mother and its time these fraudulent companies be made to treat people fairly here is a list of all the account balances that need to be updated
Product: Debt collection

Acount is on my credit Report, however after contacting the company reporting it, Portfolio Recovery, they do not have the account. The account is 6 years old and still shows as " open '', yet I have no way to verify the validity of the account at all as they do not hait in their system.
Product: Vehicle loan or lease

On Monday I took my 2015 XXXX XXXX to get it appraised at reliable XXXX in XXXX we're I got it from the sales guy who sold me the car asked me how much do I owe on it and I told him the people who is fiance the car said it was {$14000.00} when I told my sales guy who sold the car to me me and said that the car was sold to me for {$11000.00} so I'm am not understanding standing why Westlake financial services over charging me and when I went to print out a payment history for this car I had someone to calculate what I payed for on that car which is {$5500.00} {$300.00} which I just paid and I owe {$230.00} for late fees which is crazy I have proof of this and I only owe {$9100.00} on my car Westlake financial services screwed me charging me for a used car that's only {$11000.00} I am a XXXX person at that my family that I tried to go see and not only that I take my mom and dad who are Senior citizens and I help the XXXX people and I help a lot of people but I will not be messed over by Westlake financial services and y'all can call XXXX XXXX XXXX XXXX XXXX XXXX that's the one who sold me the car and he can pull it up on his computer and tell you that is a used car and the price of it which is {$11000.00} and they're number is XXXX because I also heard how Westlake Financial Services be doing people and I also told them that I was in the hospital for a min and I have to pay my doctor 's fees and medication but they don't care and I am a XXXX person and I wasn't fixing to go with out my medication
Product: Credit reporting or other personal consumer reports

I do not recognize these accounts, I have tried in vain to dispute this with the bureaus but to no avail, the accounts in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending information to verify myself with my disputes ( XX/XX/XXXX ) by means of a Credit Repair Organization, Experian has failed to respond. They have violated the FCRA, it has been more than 30-days. Please see items below ACCOUNTS XXXX XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX not mine XXXX XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX   XXXX not mine XXXX XXXX not mine INQUIRIES XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized COLLECTIONS XXXX XXXX XXXX XXXX XXXX {$3200.00} not mine XXXX XXXX XXXX XXXX {$2000.00} not mine XXXX XXXX XXXX {$690.00} not mine
Product: Checking or savings account

I'm receiving emails from a bank called Truist Bank that somebody opened a account with them using my name and even made a User ID with this online banking company on XX/XX/22. I'm in no way affiliated or even opened anything with this banking company I believe somebody is using my identity again for some apparent reason.I tried to call them but they wanted the account number for the bank account and my social security number, I didn't feel comfortable giving them my SSN and of course I wouldn't know the account number because I didn't open it
Product: Credit card

Fraudulent acct approved and opened without my knowledge with criminally obtained information, I never received any inquiries from this company regarding any application Received a VISA Signature Bullion card that I did not apply for or open XX/XX/24 I called and spoke to XXXX ( sp ) in customer service and she told me she would pass the FRAUD information on to their RISK XXXX department I have not heard form them in any form since this conversation Through your complicancy of any concern for fraud you have failed an innocent person by allowing identity theft to thrive within your company
Product: Mortgage

In order to afford buying my home 10 years ago, I had to take out a XXXX mortgage. At the time, I only qualified for an ARM from XXXX. After the XXXX year, my payment jumped and I was struggling to pay my bills. I did n't want it to continue climbing, so I talked to my bank, Wells Fargo, about refinancing my loan to a fixed rate. My ARM was above 7 % and I was able to get a fixed rate of 8.39 % from Wells Fargo on a HELOC. At the time this was a positive thing, as I was not in fear of not being able to pay it since it was fixed. Then in 2008, the market in the DC metro area collapsed and my home value fell over XXXX from what I paid for it. At the same time mortgage rates dropped, wages were stagnant, and the cost of living increased. 
Since then, my home value has rebounded some, but is still 40K below what I paid for it. I am struggling to pay my bills and because of negative equity in the home, I have been denied at every turn. 
I tried the HARP program with the federal government and did not qualify, I talked to reps at HUD, FHA, Wells Fargo and numerous other financial institutions and I have been unable to obtain a refinance. Recently I reached out to my Congressman and Senators about helping work with Wells Fargo to obtain a refinance or a rate reduction. Recently, Wells Fargo denied my inquiry and had me apply for a refinance, which they denied due to negative equity in the home. 
I am a car accident, replacing my non-functioning AC system, or a broken aging appliance away from not being able to pay Wells Fargo what I owe them monthly. I am current on my payments, have good credit, and want to pay my obligation, but if " life '' happens in any way, I will fall behind and not be able to pay. 
I have run out of options and need this rate reduced or a refinance or I risk default on my loan and foreclosure. Even in foreclosure, I would be at risk of a lawsuit because Wells Fargo would likely not get anything due to the negative equity.
Product: Vehicle loan or lease

Going thru divorce car was repossessed, then sold at auction had to pay existing loan for XXXX. I was co- signer for car, e wife was XXXX  car was impounded found out later, they sold at auction and I had to pay the rest of loan off. Which I should of never had to pay. They sent me remaining balance when they couldnt get what they wanted for it. I called them they said I had to pay the balance I should of got the car back since I paid more then what they auctioned it off for. No title no car.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

" " The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed by a Consumer Rights Attorney to dispute this account before we file a legal complaint. XXXX and XXXX  XXXX ( XXXX XXXX XXXX  ) is under SO MUCH VIOLATIONS when it comes to my credit report. First, I gave no written consent to them to report anything to my credit report. Second, There are INACCURATE information on my credit report so there is no way this is reporting to the maximum possible accuracy, therefore this account needs to be removed because it is in violation of 15 U.S. Code 1681b a2, 15 U.S. Code 1681i ( 5 ), and 15 U.S. Code 1681e ( b ). Also paid charge off accounts shouldn't even be reporting to my credit report due to your own reporting standards on the XXXX XXXX software. If this account is not removed, when this is taken to court I will make sure I receive my {$1000.00} per violation.
Product: Mortgage

My mortgage with Loancare has an escrowed account. Recently, Loancare mailed me a check made out to me, and the city of which I reside in. I used this check to pay my property taxes to XXXX. However, a couple of weeks later, I got a letter from the city informing me that the check issued from my mortgage company did not clear. Now, I have to pay a {$45.00} return check fee and settle my property tax balance. I've contacted my mortgage company several times, but each representative gives me different information. This situation puts me at serious financial risk, and I'm worried the mortgage company will keep delaying a resolution, which could lead to even more hardship. I've complained about this mortgage company before and have lost faith in their commitment to their customers ' best interests. I really need assistance with this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

Ive had Goldman Sachs Apple credit card for a while. It advertised that customer is able to see the card in wallet and pay for purchases, as well as view transactions and make payments through the wallet. Last week my apple email which was also Apple ID was compromised as well as password. Apple worked with me to switch over to new email = Apple ID. Goldman Sachs told me that I cant change the email and the only option is to close the credit card and apply for new one as this is their policy. 

Also they will not mail me statements, I cant see my account in my wallet, I cant log in to compromised Apple ID and email. I cant view my transactions, I cant make payments, and they will not provide my real credit card number as the apple credit card has no numbers engraved on the actual card. 

I dont want to close my account and hurt my credit, I cant re apply as i owe the balance and their policy states that I have to pay off the balance before even applying. 

Please help me to have them update my email address and give me ability to see the credit card in my wallet again.