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

In XX/XX/year>2024, I received a letter in the mail with a Cash App debit card under my name. I did not take any action to activate the account. I had never attempted to open a Cash App debit card, nor have I made a Cash App account.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report I noticed inquires on my report which I did not do. 

XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please delete immediately
Product: Debt collection

They are attempting to collect a debt that is over seven years old, since I 've last used the credit card. They are also still adding interest to this out of statute & aged debt as well as falsely reporting it as a new or current debt to the XXXX major credit reporting agencies every month. XXXX XXXX XXXX. should no longer be reporting anything to my credit bureau after seven years. They still are. They are also reporting the last activity date in 2015, unfair collection activity. Scare tactics by purposely trying to impact my current credit rating. More of the same acts they have been sued over on multiple occasions. They are a 3rd party collection agency who has also failed to send me my original contract & signature of the debt they purchased.
Product: Credit reporting, credit repair services, or other personal consumer reports

they said I was behind on my payment XX/XX/XXXX and XX/XX/XXXX by more than 30 and more than 60 days they report this to the credit company I disputed this with them but they keep reporting it tried to tell them. I have never been late in the 4 and a half years I have been paying on this loan I want them to stop reporting that I was late because I was not
Product: Debt collection

JPL Recovery Solutions has repeatedly contacted my Mother, my Aunt, my Mother in law out of state, and my employer. They have shared that they are collecting a debt, they have threatened my elderly mother with legal action unless she gives them more information on me. We have gotten calls from a XXXX XXXX, a XXXX XXXX, and one other male caller that I can not locate my notes for the name. 
These calls began within the last 60 days, and culminated today with their calling my corporate headquarters at my place of employment. The call was transferred to me, and when I explained that they are not to contact me at my place of employment, they argued until I ultimately had to disconnect the call. Their employee XXXX XXXX then called back through, demanded to be transferred through to HR, and demanded a fax number. My colleagues have been advised to hang up calls from this company or to send them to voicemail. 
This is a business, and not only that, but their threats and intimidation tactics are illegal. My place of employment is off limits, my friends and family are off limits, and they have been advised as such and continue to call. Please help me stop this harassment.
Product: Credit reporting or other personal consumer reports

Ive noticed some accounts on my credit report that I dont recognize. It seems like they might be the result of identity theft, as I never authorized them. Ive brought this up with you before, and Im writing now to ask that these accounts be removed from my report as soon as possible. Having these accounts on my report has been really stressful. They dont reflect my actual credit history or my financial responsibilities, and its been tough dealing with the impact. If we cant sort this out, Im prepared to take legal action to defend my rights and find a solution. These incorrect items on my credit report have been a big obstacle for me. Theyre getting in the way of important financial goals I have, like buying a house and taking care of my family. I hope we can resolve this issue quickly.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is fraud please validate. I told XXXX XXXX no one can help. Can i have an itemized bill, copy of contract etc
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the handling of my credit report dispute by XXXX Transunion, and XXXX. Despite my efforts to resolve inaccuracies on my credit report, I have encountered several issues that I believe warrant further investigation by the CFPB. 
Background : On XX/XX/2024, I submitted a dispute to XXXX Transunion, and XXXX regarding inaccurate information on my credit report. The items in question were not properly verified, yet the agency concluded that the information was accurate. I am concerned about the thoroughness and accuracy of their reinvestigation process.

Details of the Complaint : 1. Inadequate Verification Process : Despite my detailed dispute, the credit reporting agency failed to verify the accuracy of the disputed information adequately. The verification process seems to lack transparency and thoroughness, which raises concerns about its compliance with the Fair Credit Reporting Act ( FCRA ).

2. Lack of Detailed Verification Methods : I requested a detailed description of the verification methods used by the credit reporting agency, including the specific procedures, sources consulted, documentation reviewed, and criteria for validation. However, this information has not been provided, despite multiple requests.

3. Timeline of Investigation : There is a lack of clarity on the timeline of the investigation, including key dates and actions taken during the process. This lack of transparency hinders my ability to understand how the investigation was conducted and whether it adhered to FCRA requirements.
Product: Credit card or prepaid card

This is a XXXX XXXX Visa account with Barclays Bank. Account number ending in XXXX. 

1. On XX/XX/2021, this account was compromised unbeknownst to me at the time. A fraudulent charge of {$30.00} was made at a XXXX XXXX in XXXX, NC by another person who at one time resided at the same address as me for a short time. This person now lives out of state and has not lived at my address for more than a year. I have never stayed at this XXXX XXXX. 

2. On XX/XX/2021, I received my credit card bill in the mail, noticed the fraudulent charge, contacted Barclays, filed a fraud dispute, and had the existing card account closed, and a new card sent to me.

3. A few days later, Barclays gave me credit for this fraudulent charge from XX/XX/XXXX. 

4. On XX/XX/XXXX, Barclays sent a letter which I received on XX/XX/XXXX, reversing their decision. They stated I now owed the {$30.00} and they would charge me for it.

5. After many attempts to call them and over 1 hour on the phone they said they made their decision because the person who made the charge without my knowledge had at one time lived at my address, and the case had been closed against me.

6. I have tried to get a number to call Barclays corporate headquarters to complain but the numbers keep circling me back to customer service with long wait times. Plus you then talk to someone not in the USA who is very hard to understand with a heavy accent and they read from a script and don't address your real complaint.

7. Since I had declared the account fraudulently used, gotten a new card, and filed a fraud dispute when I got my bill, I don't think I should have to be liable simply because the person who made the charge lived at the same address as me at one time.
Product: Credit reporting or other personal consumer reports

This information is fraud I demand immediate removal and block future reporting. 



1. Provide a complete log regarding dates and times you attempted to contact me. If this alleged account was established by another party, then please detail your relationship- i.e., whether you are reporting this information as an assignment or whether you have purchased an alleged account outright. Also provide the account details for at least a year leading to this action, as well as any collection fees or interest and, if you are a third-party collector, your license or bond to collect in my state so that I may confirm your identity. Should you be unable or unwilling to answer, then you should respect my consumer and privacy rights and remove the damaging trade line from my credit reports immediately.

I demand that you show me a copy of the items listed in this letter as well as stated below if you can not produce these items, you must delete them.

2. 1. Validation of the debt-that is, the actual accounting.

3.

4. Verification of signed Invoice. 
5. A copy of the Contract binding both parties ( you and them ), in a letter by certified mail so that there is an independent witness to it having been delivered.

6. Please provide the original docurse and wet signature if you cant provide these items Delete them.
Product: Credit reporting or other personal consumer reports

I sent in my drivers license and a bill with my address on it and told them to remove the names and addresses off my report because I never lived there and that it was fraud which I have a fraud alert on my files with all credit reporting agencys and they have not removed any of them the names that was supposed to be removed are XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses that was supposed to be removed are XXXX XXXX XXXX XXXX FL, XXXX Address ID # XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Address ID # XXXX XXXX XXXXXXXX XXXX XXXX XXXX FL, XXXX XXXX ID # XXXX Single family XXXXXXXX XXXX XXXX XXXXXXXX FL, XXXX Address ID XXXX XXXXXXXX XXXX XXXX  Never lived at any of these addresses
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 NAVIENT 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 card or prepaid card

On XX/XX/XXXX I made 2 payments to my Conn 's store pluse accounts. The first payment was for {$130.00} and the second payment was for {$210.00}. Conn 's debted both payments from my checking account on XX/XX/XXXX. On XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX Conn 's called me repeatedly stating my payment of {$210.00} was not received. I called Conn 's on XX/XX/XXXX to inquire why they didn't credit my account and they stated that both payments were posted to the same account in error and the payment of {$210.00} would have to be move to the correct account. As of XX/XX/XXXX they still haven't moved the money to the correct account and are still reporting my payment as late.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2022 The Credit bureaus stated XXXX XXXX XXXX XXXX XXXX was properly Investigated but how is this possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is grounds for removal. They also violated my rights under 15 U.S.C 1681 section 604 A section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. Also they violated my rights under the care act posting late payments when they gave me consideration by waiving my late fees during the pandemic. 

I haven't given this accout written permission to furnish this account on my credit report as well.
Product: Vehicle loan or lease

Recreational vehicle loan with M & T Bank. Statements are received via mail approximately three days before the due date. I try to pay extra on the principal. The statement does not accommodate that whether paying online or in person at a branch. Sometimes I need to write two checks. One for the payment that is due and one to be directly applied to the principal. The tellers do not know how to apply additional funds to the loan because of the way it is set up. When I do pay extra the following months minimal payment reflects only the interest. I have reached out to M & T Corporate and was told that they are aware of the issues from both consumers and employees, but it is basically low hanging fruit. Nothing will be done. I have been told that this is sort of an unconventional loan. The bank in my opinion is using an unfair practice.
Product: Checking or savings account

On the morning of XX/XX/XXXX I opened my banking app to check my exact balance before I made a purchase on XXXX. When I used it the day before I had {$4100.00} and some change, I didn't want to go too far below that. 

As soon as I went to open the app, it logged me out. I went to log back in and it said my account was closed. I instantly started freaking out. Doing a XXXX search of " Chime closing accounts '' doesn't bring up any positive news cause apparently they will close peoples accounts and withhold their money for no reason other than " their agreement ''. 

I originally sent Chime an email, asking why, as well as any supporting documents for all of my larger transactions since I figured that may be why they closed it because of my XXXX  or whatnot. 

But I decided to call them to find out specifically why. 

You can not get through because the bot detects my account is closed and hangs up. Probably some of the most shady support tactics I've seen with any company. 

So I called XXXX XXXX. Upon reaching an agent, I confirmed my info and they said I have to talk to Chime. Originally they tried to give me a phone number and I said no that doesn't work so they transferred me to an agent. 

I spoke with 4 different people at Chime. All of them saying my bank account was closed due to a decision at XXXX XXXX, and my money will be refunded within 30 days. I wanted to know what specifically is the reason why they closed it. They wouldn't tell me just to email XXXX. I advised them I wasn't waiting 3 days to find out why they are stealing/holding my money for at least a month. They kept repeating the same thing and wouldn't even let me transfer my funds to my linked account. 

Next I called XXXX XXXX  since they're supposedly the ones who actually closed it. They told me the same thing. They said they will fill out a report and someone will be in contact in 2 to 3 business days. 

All of this was done on a Monday, and I have yet to have any response via any method at all.
Product: Mortgage

We received an escrow analysis statement approximately XXXX XXXX, 2016 informing us that our monthly payment will increase due to a shortage in our escrow account. Upon review of the analysis statement, Roundpoint Mortgage is attempting to double-bill us for our hazard insurance. I have called them four ( 4 ) times ( beginning XXXX XXXX ) trying to get this straightened out, and always the same answer : we will review and get back to you. No one calls. I have never received a corrected analysis. XXXX each time I call them, it is delayed again. I am not getting a straight answer even when I ask to speak to a supervisor. In fact, the second call I placed and asked for a supervisor, the man with whom I was speaking asked me WHY. 

We bought our home last year in XXXX. Roundpoint bought our account before our first payment was due. We set up electronic payments through Roundpoint so that they get paid on the first of each month, and we have never been late. We have not changed insurance companies. 
As you can see on page XXXX of the attachment, our insurance company was paid in XXXX. ( I have highlighted the pertinent information for your reference. ) Roundpoint indicates another projected payment in XXXX, which would effectively put us in the negative. A payment which was never made, nor was it owed to the insurance company. Our agent advises the insurance company received our payment in XXXX ( the {$1200.00} payment ) and never received a second payment. HAD they received the alleged {$1400.00} payment, it would have been returned to Roundpoint. The insurance was paid in full with the {$1200.00}. It is that second payment which they claim they made and took from our escrow that put us in the negative.
Product: Checking or savings account

In late XXXX I signed up for a checking account with First Tennessee with a promised bonus. I fulfilled the requirements and waited the required time frame for the bonus to post. When the bonus did n't post I messaged them and they said the offer did n't apply to my state. I asked for a link to prove that it did n't, because I did n't see it at opening - and I read fine print. I was given a different number to call and when I called it I was told there is a bonus code attached and he would check the landing page. Than I was told it was expired when I opened the account, than I was told it did n't apply to my state. When I asked for a link/landing page I was told that there is n't one and the customer service rep remembered this bonus code from 5 months previous and it did n't apply to my state. He said customers usually have their own proof for the bonuses. I think this is very dishonest since a large number of First TN bonuses DO apply to my state, I did review the fine print, and they have no record of their own offers.
Product: Credit reporting or other personal consumer reports

reviewed my Consumer Reports and noticed that there was an inaccurate account ( s ) on my credit report XXXX XXXX XXXX. Along with Experian XXXX and XXXX are reporting these unauthorized inaccurate accounts : Account : XXXX XXXX XXXX. 
Account number : XXXX Opened : XX/XX/2023 Account : XXXX XXXX XXXX Account number : XXXX Opened : XX/XX/2023 Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. I contacted Experian, XXXX, XXXX and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me. This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof.
Product: Debt collection

I wrote letter to law office of relin Goldstein phone ( XXXX ) XXXX telling them that the XXXX XXXX   account belongs to another XXXX XXXX last four of  my social XXXX I have common name I send letters to XXXX XXXX XXXX XXXX # XXXX XXXX not XXXX but they keep calling me first my cell XXXX XXXX XXXX and then my wife 's phone number XXXX XXXX and then my home phone I don't know how they got my home number its unlisted when I block them they call my other numbers harassing me my XXXX XXXX XXXX pick up the phone and got scared by these people. I told these people several times that this is not my debt they have wrong party and also has been searching my information on social media I have protection s alerts that tell me if I'm being search. Can you please tell law office relin Goldstein to leave me alone I going to make a complaint with the grievance committee for misconduct and unlawfully abuse. And filed a police report. Trying to intimidate me and my kids wife I have rights
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the account : XXXX XXXX - Account XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, your company has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

You have violated my rights : 15 USC 6801 ( a ) : States I have protection of nonpublic personal information. 

15 USC 1681 ( a ) ( 4 ) : States I have the right to privacy.

15 USC 1681b ( a ) ( 2 ) : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1681c ( a ) ( 5 ) : States no consumer reporting agency may make any consumer report containing any of the following items of information and any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years.

15 USC 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. 

Due to your character defamation, privacy violation, identity theft, identity fraud, deceptive and unfair trade. The request to block information is based on factual misrepresentation and not on material misrepresentation. The identified transactions are not information related to any transactions by me as the consumer. Delete Entire Account Due to Confirmed Fraud, Delete Account from Bureau Due to Fraud, Have Been Confirmed as Fraudulent Item Blocked for Inaccurate, Incomplete, or Can not be Verified by Negligently Violated 15 USC 1681 ( a ) ( 2 ), 15 USC 1681 ( a ) ( 4 ), 15 USC 1681a ( 2 ) ( A ) ( i ), 15 USC 1681a ( e ), 15 USC 1681b, 15 USC 1681b ( a ) ( 2 ), 15 USC 1681b ( 2 ), 15 USC 1681c ( a ) ( 5 ), 15 USC 1681c-1, 15 USC 1681c-2 , 15 USC 1681e ( b ), 15 USC 1681g ( 2 ) ( E ), 15 USC 1681i ( a ), 15 USC 1681i ( a ) ( 5 ), 15 USC 1681n ( a ), 15 USC 1681o ( a ), 15 USC 1681s-2 ( a ) ( 1 ), 15 USC 1681s-2 ( a ) ( B ), 15 USC 1681s-2 ( b ), 15 USC 1666B, 15 USC 1692c ( a ), 15 USC 1692c ( c ), 15 USC 1692e ( 8 ), 15 USC 1692g ( b ), 15 USC 6801 ( a ), and 15 USC 6802. 

I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date.
Product: Debt collection

I received an alert that a new collection account was added to my XXXX and XXXX credit reports. The company, XXXXXXXX XXXX XXXXXXXX XXXX, listed a debt owed, for original creditor, MONEY MART. 
The issues here are, this account has dropped my credit score. I was not made aware of the debt. I was not provided with formal communication ; a written letter explaining what the debt is for and my rights to dispute and or request debt validation. As according to the FDCPA. 
This account was added on XXXX XXXX. I received nothing in prior months from either company associated with this debt. I have lived at the same address for three years. It is apparent, no attempts were made, in order to verify or justify any of what was reported to the bureaus listed. 

I have had many issues in the past, with accounts being opened with my information, as my wallet, that included driver 's license, checkbook, social security card, and children 's social security card, was stolen at a gas station. There has been a police report on file with all three bureaus. I will not admit to a debt that I has not been properly validated.