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

Dear CFPB, I am writing to dispute the handling of an account reported by Mariner Finance on my credit report. The account was previously charged off, with a balance noted as written off. However, after I submitted a debt validation letter to Mariner Finance, instead of receiving validation, the company increased the balance of the charged-off debt and began reporting it as a new debt. This action has negatively impacted my credit score, and I believe it may be a violation of fair credit reporting practices.

Please investigate this matter to ensure the reporting is accurate and in compliance with relevant regulations.

MARINER FINANCE XXXX Original Creditor Company Sold Account Type Unsecured Date Opened XX/XX/XXXX Open/Closed Closed Status Account charged off. {$2400.00} written off. {$3200.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$3200.00} Balance Updated XX/XX/XXXX Last Payment Date XX/XX/XXXX Paid Off 0 % Monthly Payment The amount originally charged off was {$2400.00}, but after my request for validation it increased to {$3200.00}. I simply asked for the debt to be validated. 
Past Due Amount {$3200.00} Original Balance {$2600.00} Terms 36 Months Responsibility Individual
Product: Checking or savings account

On the XX/XX/XXXX and XX/XX/XXXX, i had XXXX $ withdrawn from my account by atm card with chip and pin was used. I called USAA to report the transactions on the XX/XX/XXXX around XXXXt when i saw the withdrawals. Then when i activated my new card issued to me on the XX/XX/XXXX, the very next day on the XX/XX/XXXX, another XXXX $ was taken from my checking account. Now i dont know if it was the old atm card info that was used or if it was from the new atm card. Only I and the representative from USAA knew the pin number for that new atm card. So I reported that withdrawal that same evening when i noticed it. Well USAA has investigated and told me today that the fraud claim is denied and I am not getting reimbursed the XXXX , which includes atm fees, do there being activity before and after the fraud accurred. I Explained to them that of course theirs going to be activity before and after because I didnt notice the fraudulent activity until the evening of the XX/XX/XXXX and the XX/XX/XXXX.  They say that the chip on the card and pin was used so they are saying that i committed the fraud. I have filled out an affidavit that they sent me and also made a police report. Also all the withdrawals were done at the same atm machine near my home. I told USAA that it was absurd that I did the withdrawals and then go and file fraud putting my Social Security payments and my Veteran Affairs payments ( due to me being XXXX XXXX XXXX XXXX XXXX ) in jeopardy if i was making false claims to scam the bank out of XXXX $ when I receive over XXXX $ a month.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these items. 
XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance Owed : {$4000.00} XXXX XXXX Balance Owed : {$980.00} XXXX XXXX XXXX XXXX Balance Owed : {$1800.00} XXXX XXXX XXXX  XXXX Balance Owed : {$130.00} XXXX XXXX Balance Owed : {$4000.00} XXXX XXXX Balance Owed : {$980.00} XXXX XXXX XXXX XXXX Balance Owed {$1800.00} XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX GA XXXX XXXX XXXX Balance Owed : {$4000.00} XXXX XXXX Balance Owed : {$980.00} XXXX XXXX Balance Owed : {$840.00} XXXX XXXX Balance : {$1800.00} XXXX  XX/XX/2023
Product: Credit card or prepaid card

On XX/XX/2020, while trying to shop, after my credit card was declined I found out that Chase has closed my account without any notice. Upon being informed that my account was closed, I had requested to be informed of the causes that lead to the decision to close the account. All my payments have been in full and on time. I was informed that it is the bank 's policy not to do business with me and people like me and that the reasons will be described in a letter to which I have not received. 

I had not received any notification of the closure of the account, not through the mobile app which I frequently use, not through my e-mail address, not over the phone. This behavior is risky as I had come to rely on the service provided by the bank. 

While the decision on to do business with me comes as a surprise, I had at least expected to be compensated for the fees that I incurred for the annual ( not semi-annual ) memberships of {$450.00} that was terminated on behalf of the bank, and to be allowed to ( or at least to be allowed time to ) redeem the rewards that are part of the product which I had purchased. 

I spoke to the highest possible representative, and they denied my request to speak to management after 3 attempts. All my requests were denied without any compensation, despite the involuntary closure of my account due to their own inexplicable policies. This complaint is my last resort to find a resolution this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX said they would not put any negative info on my credit report when I was trying to get a modification from them. They put it on there anyway. I later sold the house and became positive with them
Product: Credit card

In XX/XX/XXXX I applied the American Express Platinum card and was approved. After the card arrived, I realized that I had this product before, I would not be able to receive the XXXX MemberShip Rewards, so I cancelled this card without activating it. I did not spend any dollar amount towards this card. 
On XX/XX/XXXX, I received an email, stating that Amex removed my XXXX points due to the reason that I was not eligible to receive the welcome bonus of XXXX points. ( However, the fact is that I never received any points regarding the welcome bonus, and I am trying to use my points at that time. ) I called back and started an investigation, Amex told me I will receive a result by XX/XX/XXXX. I called back on XX/XX/XXXX, since they never called me for updates. Again, I was told to wait till XX/XX/XXXX for any results. I called them that morning, Rep. told me to call back after XXXX if I did not receive any results. I called back again after XXXX, and spoke to a supervisor, she said they removed my points was because I had this product before, so the welcome bonus is not eligible for me. Her assumption was that I already received the XXXX points, and she saw I had more than XXXX points under my account. BUT the truth is I never received any welcome bonus towards that product, in fact I never spend a penny on that account, just because I have XXXX points, it does n't mean it is the welcome bonus! The premise of the claw back is that I received the XXXX points. I told her I received XXXX points from XXXX product in XX/XX/XXXX, another XXXX from another product in XX/XX/XXXX. She said she ca n't pull the histories of those XXXX accounts, they will need 3 more days to investigate. 

I do not have another 3 more days, this has cause so much inconveniences for me to redeem my points, I, now have spend more time to wait, and more money to redeem my points!
Product: Checking or savings account

On date -the date of XXXX representative XXXX XXXX XXXX XXXX received a subpoena from the XXXX XXXX XXXX XXXX that Schools First Federal Credit Union later refused to comply with. Some time later on the date of XXXX at the same XXXX XXXX XXXX XXXX XXXX XXXX Lied repeatedly and told myself to my face that the XXXX XXXX XXXX account ( s ) and the account ( s ) of the XXXX XXXX XXXX are empty as they contain no money whatsoever and then he refused my request to provide documentation to prove his statement. I know this is a lie and untrue as I know for a fact that the account receives payments from multiple annuities every month. XXXX XXXX XXXX then received from myself the XXXX XXXX XXXX document, and he then scanned the document and wired it to a XXXX XXXX over at the XXXX XXXX XXXX Schools First Federal Credit Union. XXXX XXXX XXXX went on to say that XXXX XXXX XXXX owes the credit union {$3400.00} and that his wife XXXX XXXX XXXX XXXX owes this same credit union {$6400.00}. XXXX XXXX XXXX  went on to tell myself that if this money was paid to the credit union that I may assume control of these accounts. I then requested at that time a full accounting to be printed out of the status of these accounts from the year 2020 to present and I was refused the same by XXXX XXXX XXXX, of the Schools First Federal Credit union in the XXXX XXXX XXXX XXXX, California. USA
Product: Credit reporting or other personal consumer reports

XX/XX/24 a letter was sent to Transunion discussing a charge off acocunts that i needed to dispute and they have received my letter per my records and have yet to respond and acknowledge my request i also sent all necessary documents to identify myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'd followed up and reached to the original creditors, debt collectors and credit report bureau in regards to accounts that are no longer my responsibility. I still have provided paperwork to address my concerns. I'd previous made a complaint with one of my collection account and in response to my complaint the company had reassured me that they had updated and request removal in XX/XX/2018 and again this month XX/XX/2018, but when I'd contacted the credit report bureau that is over the account I had concerns about and they said they've not received any information from the company since XX/XX/2018. I'm tired of getting the run around about my credit report. I'm a single mom that is trying to build my credit to better my family. I've also informed the credit bureau that they still have old accounts on my credit report as well as reappearance accounts without proper notification and this is violation of FCRA. I've been denied credit due to my credit report not being properly reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Attached is a letter from XXXX XXXX for proof of payment of the the following credit card accounts listed on my XXXX and Equifax credit Report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I want XXXX and Equifax to make a notation that the accounts are paid off and I want the accounts immediately closed, deleted and removed from my XXXX and Equifax credit report.
Product: Credit reporting or other personal consumer reports

Experian is reporting XXXX late payments fory XXXX XXXXXXXX account that only has XXXX late payment. The late payments are showing for XXXX and XXXX of the year XXXX. They are inaccurate and need to updated. 

The only late payment I have on this account is from XXXX of XXXX.
Product: Money transfer, virtual currency, or money service

I transferred XXXXXXXX XXXX  ( approximately {$7800.00} USD ) from my XXXX  wallet to my Coinbase account on XX/XX/year>. However, due to the default network configuration in XXXX, the transaction was sent via the XXXXXXXX XXXX, which is unsupported by Coinbase. This default setting can lead to confusion for users, especially when transferring funds between platforms that do not explicitly highlight network compatibility. 

The transaction was completed successfully on the XXXXXXXX XXXX ( Transaction Hash : XXXX ), but the funds are inaccessible in my Coinbase account. 

I contacted both Coinbase and XXXX for assistance. Coinbase informed me that the funds are considered lost due to being sent on an unsupported network, while XXXX also declined to provide a resolution, despite the role their platform played in the confusion. 

This issue has caused significant financial distress as the funds are urgently needed to cover medical expenses from a recent car accident. I am requesting help to recover the funds or to find a viable resolution. ''
Product: Debt collection

The collection agency ( which operates under two separate names ) XXXX XXXX XXXX, as well as XXXX, reported a collections account on my three major credit reports for a XXXX collections account for {$420.00}. I have proof this account was paid directly to the original creditor, XXXX, prior to this agency attempting to collect the debt from me. Furthermore, I never received any notification of this debt or had the ability to dispute within 30 days because the agency was not contacting me at an accurate address. I provided the proof to both of the debt collectors operating names that the account was paid in full prior to their attempt to collect the debt. 

The have refused to remove the account from any of my three major credit reports, and I have now retained counsel to file charges against them regarding this matter, including punitive damages.
Product: Mortgage

We are in the process of trying to do a short sale on our home in  XXXX , CT. On  XX/XX/XXXX  I sent a fax to Chase and asked them to rectify the error they made in recording the lien on our house twice. In the fax I asked Chase to call me and mail written confirmation that they have corrected this error. To date I have received no reply.
Product: Debt collection

company did not send me proof of debt that belong to me. they attached a bill with no proof that it actually belongs to me. Either send me VALID PROOF or take it off my report you have 30 days to send me just that. DO NOT ATTACH A BILL WITH NO PROOF TO THIS COMPLAINT
Product: Credit reporting or other personal consumer reports

This constitutes my second attempt to attend to a matter and function as a follow-up to my initial complaint dated XX/XX/2023. It is crucial to reiterate that, as per FCRA section 605b, Credit Reporting Agencies are compelled to eradicate any entries specified in an identity theft report, particularly identified as # XXXX. In accordance with Section 605B ( a ), the CREDIT REPORTING AGENCIES are obligated to eradicate any entries in the consumer 's file identified as information resulting from an alleged identity theft within four business days from the date of receipt. Enclosed herewith are the pertinent documents substantiating the necessity for the removal of inaccurate information currently manifested in my credit reports. The following accounts have been expressly identified for removal : -- -- -- -- -- EXPERIAN : XXXX XXXX XXXX  ( Original creditor : XXXX XXXX IN. XXXX ) XXXX Balance {$2000.00} -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance {$0.00} XXXX XXXX XXXX ( Original creditor XXXX XXXX XXXX XXXX XXXXXXXX Balance {$720.00} XXXX XXXX XXXX ( Original creditor XXXX XXXX XXXXK XXXX A ) XXXX Balance {$620.00} XXXX XXXX XXXX XXXXXXXX Balance {$12000.00} -- -- -- -- -- XXXX : XXXX XXXX XXXX ( Original creditor XXXX XXXX XXXX XXXX ) XXXX Balance {$21000.00} XXXX XXXX ( Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$620.00} XXXX XXXX ( Original creditor XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance {$0.00} XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance {$720.00} XXXX XXXX Balance {$12000.00}
Product: Debt collection

On several occasions this company has sent a text message with this exact wording : " Please contact MRS Assoc. regarding a XXXX XXXX matter at ( XXXX ) XXXX. This is an attempt to collect a debt and any information obtained will be used for that purpose. MRS is a debt collector. '' The most recent instance was today XX/XX/20 at XXXX XXXX. 

The huge problem this poses, not just for me, but millions of people with a debt being pursued against them is with notifications. It should be safe to assume that 99 % of all people using a cell phone normally have notifications set to show on their screen once they receive a text message. The obvious reason ( like a phone call ) so the owner of the phone immediately knows they are trying to be contacting. 

The complaint I am filing is that their wording in the very obvious manner of " collect a debt '' and " MRS is a debt collector '' create a very dangerous situation for anyone with a phone that happens to be sitting out in the open on a desk for example, with their supervisor and/or employees engaging in normal conversation. This is exactly what happened to me, which as you can imagine was extremely embarrassing. Multiple people glanced at the text message, seeing the words " debt collector '' with their eyes growing wide and very likely knew what that meant. 

This is a HUGE grey area that likely needs to be corrected within the collection industry as it sets precedents in ways for debt collection companies to " shame '' a target in a way by use of loophole ... the loophole being " text messages are allowed '' but this doesn't ensure the communication is safe or secure with the actual person. A company must always be aware of the possible access to that message being compromised if not verified as a safe means of communication.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX XXXX account number XXXX balance {$5000.00} XXXX XXXX account number XXXX balance {$7000.00} XXXX XXXX XXXX account XXXX Balance {$3000.00} XXXX XXXX XXXX account number 1 balance {$2500.00} XXXX XXXX account number XXXX balance {$1000.00} XXXX XXXX XXXX XXXX  account number XXXX balance {$600.00} XXXX XXXX XXXX XXXX account number XXXX balance {$750.00} XXXX XXXX XXXX account number XXXX balance {$750.00} XXXX XXXX XXXX account number XXXX balance {$1000.00}
Product: Money transfer, virtual currency, or money service

I was scammed by a person thru Venmo and immediately contacted Venmo to help me stop the transaction ( they refused to help and instructed me to continue to reach out to the scammer in hopes it was a misunderstanding ). Needless to say, the transaction proceeded however I contacted my bank and stopped it on my end. Venmo proceeded to lock my account ( which prevented me further communication ). Venmo is now reporting me to a debt collector l! I have copies of all email exchanges with Venmo proving I was doing my due diligence to correct this and now I need help form you getting this resolved! I have no desire to ever have a Venmo account again they are useless in helping the innocent!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have voluntarily surrendered this vehicle to Mercedes Benz Finance back in 2017, Account was closed after that and remaining balance was written off Nevertheless, erroneously Mercedes Benz Finance shows that vehicle was repossessed, that information is WRONG and needs to be rectified. 'Car was dropped off voluntarily by me at Mercedes Benz of XXXX XXXX XXXX in 2017.
Product: Money transfer, virtual currency, or money service

Reference ID : XXXX My account was limited on XX/XX/2018 with funds in it. Its been 180 days and funds is not released.Please adjust my account to withdraw funds. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

there are two inquiries on my report that i never gave premission XXXX and Syncb/Amazon plcc please remove these off of my report asap
Product: Credit card or prepaid card

I have been a credit card ( master card, Citi ) customer since XXXX. I discovered that my credit card account had been closed on XX/XX/XXXX and called the company. They did not give a reason and said I would receive a letter in the mail. I received a letter on XX/XX/XXXX stating the card has been closed for late or returned payments. There were never any late payments. There were a few online returned payments due to a routing number error but it was paid through another bank account successfully. There was never any overdue balance. I received an email on XX/XX/XXXX from the company that I had XXXX thank you rewards points inviting me to redeem those points. I have been saving and accumulating these thank you points to redeem for a particular purchase. However, there was no way to access them online from the account. I reached out to a Citi supervisor on XX/XX/XXXX who said that he will arrange to access the thank you points and advised to call this week to check on details on how to access. However, in today 's call ( XX/XX/XXXX ) another supervisor said that the points are forfeited and there is nothing they can do at this time. I would like to submit that the credit card closure was without adequate reason and the forfeiture of the rewards points is essentially a theft by the company. I request you to have the company return the points or cash equivalent.
Product: Mortgage

Wells Fargo has a ***derogatory remark on my Credit Report***. I went through a bankruptcy that was discharged in 2014. MY HOUSE was NOT included in the bankruptcy! I have not missed a mortgage payment in 11 + years since I bought the house. This is stopping me from applying for a re-finance or another house purchase since I am looking to downsize. That remark needs to come off from Wells Fargo!!! Help me please ... .Thank you, XXXX XXXX XXXX ************None of those options below apply to me, not sure what to check off*****
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following companies have violated my rights. 

15 U.S.C 1681 section 602 A. States that 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 a consumers written instructions. 

XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX  ACCOUNT # V XXXX XXXX XXXX XXXXXXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX