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

I have been disputing for 3 months and this company has broken several FCRA violations. This company has sent STALL LETTER AFTER STALL LETTER! Instead of addressing the actual problem which is another FCRA violation. I will be filing an additional compliant with the XXXX and AG! 

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.

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.

I believe I am owed monetary damages for the emotional distress this has caused. I have been getting denied left and right because of this companies FAILURE TO DO THEIR JOBS! 

XXXX XXXX XXXX XXXX  IS THE ACCOUNT I AM REFERENCING
Product: Debt collection

I have been disputing billing charges from Chase Cardmember Services ( an online credit card used by Amazon ) since XXXX of 2019. I had an Amazon gift card balance of {$290.00} in XXXX of 2019 and used it to purchase a variety of items. In XXXX or XXXX of 2019, Amazon had a promotional offer which was to get a {$70.00} gift card to switch from their card to a Chase Card. I took the offer. Perhaps the offer was not valid and Chase billed me for the items I purchased with that card. 
I started receiving bills from Chase in XXXX. Immediately, I wrote to them and informed them that the items were paid for with an Amazon gift card. They conducted some type of investigation, and informed me that the investigation proved that the charges were valid. I continued to dispute them and Chase claimed that they would continue their investigation. One by one, billing charges were  dropped. They informed me that they had made mistakes. I assumed that all their charges were mistakes, and that the matter was resolved. Unfortunately, that is not the case. Early this month I received a notice from them that they had done an investigation and found that I owed them {$14.00}. I wrote them a letter explaining that the bill had been paid and a cancelled check was sent as evidence. I also received another bill for {$75.00} with no explanation as to why the money was owed. 

I have no idea how to get this matter resolved.I have written ten letters to Chase Cardmember Services. My feeling is that their customer service department is incompetent. Chase has harassed me for over a year for {$120.00}. I do not owe them any money and would like them to stop sending me bills and information about their so called investigations. 


Any help you can provide would be appreciated. 


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

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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

I have been trying to dispute several credit accounts on my credit report as fraudulent. But for some reason I have been unsuccessful with being able to dispute those account with this credit bureau. The accounts that I want disputed are as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts I want to dispute as fraud. My ID was stolen and I did not give authorization for any of these accounts to be opened. I have attached an FTC Affidavit. Please forward an updated credit report with these account and inquiries moved off of my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent 3 letters to the credit bureaus Transunion, XXXX  and XXXX  demanding that they investigate the inaccurate reporting and obvious violations that are being reported by all 3 bureaus on this " collection '' account by XXXX/XXXX  account # XXXX ... each time they come back and say they conducted a full investigation and everything is reporting 100 % accurate so they say that its verified as accurate ... ..how are they saying that they conducted a full investigation and its verified as accurate when all 3 bureaus are reporting different information and violations that are killing my score ... the answer is they did not conduct a full and proper investigation and this account is not reporting 100 % accurate.I have attached documents as evidence. look at the payment history they are all reporting differently, how are they reporting a credit limit on an account that is " charged off '', they are reporting different dates of last payment and date of last active, they did not conduct a proper investigation as required by law
Product: Debt collection

There is a Bank of America account that was said to be opened in some time of XXXX in my name. They attempted to collect somewhere around 500 $ of debt I had no knowledge of, they stopped reporting and it was gone. Within the last year, it has popped up under my name and in my attempts to collect it. I again told them that it was unauthorized and I had no knowledge of it- they did not listen and started reporting on my credit score which bought it down dramatically. I have done all I could. How could I provide proof about not knowing about an account I did not open? I am a  XXXX XXXX  that has banked with Bank of America for almost 8 years. I'm thinking of prospectively closing all of my accounts permanently. More than once I've asked them to send or give some sort of validation about the debt to show it was mine and I have never received it. Not only have they been violating consumer trust relations- but they have also been unlawfully reporting on my credit report ( since the statutes of limitations are 7 years ). I'm at my wits end of what to do. Without first providing written verification, they have been in violation of the Fair Debt Collection Practices Act.  Additionally, the debt can not accrue any fees or interest beyond what is allowed by state law or by contract with the original creditor. I would greatly appreciate any efforts to look into and resolve this for me. I'm not sure what else I could do on my end.
Product: Debt collection

I contacted XXXX And disconnected service. I spoke to a lady who tried to convince me to stay. I told her no way, XXXX is awful. I started using XXXX. A month later XXXX sent me a bill. I called them XXXX times and complained. They then sent me to collections. I have just received a letter from diversified consultants inc. Stating they are trying to collect XXXX debt. I am not paying for service that I did not receive.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have always made my payments on time. For some reason, I realized that there were number of days as late payment on my credit report and I do not believe I was late on the dates they are reporting. This account should not be showing the current status of late since it's already been paid for. It seems impossible to appear as late on an account that has already been paid. Kindly help me correct this account reported by XXXX credit bureaus as negative in my credit report : XXXX XXXX XXXX Balance Owed : {$33000.00}.
Product: Credit reporting or other personal consumer reports

Dear credit reporting Department, I am writing to formally request the removal of an account from my credit report as reported by Experian. this request is based on the recent deletion of an account by XXXX, one of the four major reporting agencies. I recently disputed a charge -off for {$850.00} from XXXX XXXX  XXXX 
{$350.00} XXXX XXXX  XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$400.00} XXXX  XXXX, Listed on my XXXX report, and following a thorough investigation, XXXX has completely removed this unverifiable debt from my report as of XXXX XXXX XXXX According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C 1681 ), All consumer reporting agencies must ensure that information in Consumer Reports is accurate, fair, and verifiable. 
Since XXXX has removed this account after it's verification process, I request that you do the same and remove the unverifiable account from my credit report. 
Supporting consumer Laws : FCRA section 611 ( 15 U.S.C 1681i ) Requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unverifiable information. since XXXX has deemed this account unverifiable and removed it, you must take similar action. 
Additionally, under FCRA section 623 ( 15 U.S.C 1681s-2 ), Information suppliers must report all complete and accurate information. with XXXX having deemed this information unverifiable, I urge you to align its records accordingly. 
Please provide confirmation of this removal within 30 days of the receipt of this request. if the account is not removed, I am prepared to pursue further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) And seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), Including section 616 ( 15 U.S.C 1681n ), Which allows consumers to seek legal recourse for willful non-compliance, and Section 617 ( 15 U.S.C. 1681o ) For negligent non-compliance. 
I appreciate your prompt attention to this matter, as it directly impacts my credit reports
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX  {$2200.00} for a credit card I never received due to XXXX XXXX XXXX stealing all my USPS mail . 
She stated she charged {$5000.00} and XXXX credited {$2500.00} back per Fraud department. ( XXXX ) I reported this identity theft in XXXX to FDIC, local white XXXX XXXX police XXXX XXXX XXXX # XXXX who has body cam footage of XXXX XXXX XXXX stealing my card at XXXX XXXX XXXX, XXXX, Nj XXXX. 

On camera XXXX XXXX XXXX used it inside XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, XXXX XXXX, NJ XXXX XXXX Store # XXXX XXXX XXXX, Store Manager XXXX I went into the store and spoken to security who stated in front of XXXX XXXX police XXXX XXXX XXXX XXXX on body cam she used my credit card on camera XXXX XXXX XXXX  ( XXXX ) XXXX I called XXXX, to XXXX XXXX XXXX. 

I had the FRAUD dept investigate this in XXXX, it was charged off XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX XXXX : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX XXXX XXXX XXXX Social Security XXXX XXXX, a resident of XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX, TX XXXX, submit this affidavit to request a security freeze on my credit report.

Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : 1. Applicant Identification : Full Name : XXXX XXXX XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX TX XXXX XXXX. Security Freeze Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent.

o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements.

3. Attached Documentation : I have attached the following documents to verify my identity and process my request : o A copy of my drivers license or government-issued ID.

o A copy of a recent utility bill or bank statement confirming my current address.

o A copy of my Social Security Number.

4. Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information.

5. Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

lam being taken advantage of by early warning and XXXX XXXX  these companies are violating my rights given to me by the fcra l did not open up any bank accounts these accounts were opened up fraudulent according to 15 usc 1681 ( b ) ( 2 ) my permission is needed for any person to access or furnish anything on my consumer report that permission was not granted by me not only are fraudulent bank accounts on my early warning and XXXX XXXX  being reported without due cause my right to privacy has been infringed upon due to these fraudulent and inaccurate accounts I demand that each fraudulent account be removed there is no way the banks can validate fraudulent activity due to my identity being used without my consent this is theft as defined by 18 usc 1028 ( a )
Product: Checking or savings account

I am out {$460.00} due to a merchant 's failure to provide the purchased item from XX/XX/22. The merchant has refused to refund me and PNC will not assist me. See attachment for full text.
Product: Debt collection

A collection agency by the name  of Amsher Collection Services is repor ting a  XXXX  account on my credit report for {$1300.00}. I went to  XXXX  in person to find out about this debt and it turns out it was identity theft. I fille dout a  Fraud Package given to me fro  XXXX , they contacted Ansher collection who instead of deleting this account from my credit report, just sent a letter saying that I paid it. I never paid them obviously because it is not my debt. And if they recieved a payment from  XXXX  then they need to report the accoutn to   XXXX   not to my credit report. You see, if they report that this account has a  XXXX  balance, it still affects my credit because it will be reported as paid after being in collections, therefore they need to delete the account  completely from  XXXX ,   XXXX   and  XXXX  and report it to whoever paid the account since the account was not mine in the first place.
Product: Mortgage

Received a letter to cure a payment by a certain date, XX/XX/2022. I was past due two months, XXXX and XXXX, and a notice that a letter to default was sent to me on XX/XX/2022. 

On XX/XX/2022 I called to pay 1 month ( XXXX ) and a half ( XXXX ) and a promise to pay the half month ( XXXX ) and 1 month ( XXXX ) by XX/XX/2022. This would cure the past due payments and get the account current before the default. 

Yet, I spoke to two managers that refused to take the payment. Then spoke to another manager and was also refusing, even though I had until XX/XX/2022 to cure the XXXX and XXXX payments. 

The managers were rude and used bullying tactics like asking about my paychecks, what I spent my money on, that I couldnt afford the payments, and that I was legally obligated to pay, which I agree with. But they still refused to take the partial payment until I let them know that I would report them to the CFPB. 

If they are not willing to abide by their own legal letters, then they are misleading their borrowers when they state We do not want you to fall into default as per their letter. The company is difficult to make arrangements with to pay, are not allowing customers to make payments online if in default, and forcing them to go through a questioning ploy to force a payment to the point of asking the customer to borrow from friend and family to pay. Very unprofessional and quite frankly sketchy as they are not looking to help the customer at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account on my credit report that should not be there. The company has sent me a letter confirming that account has been removed from my credit report. It is still showing on my report and needs to be removed asap. I have attached the letter.
Product: Checking or savings account

I have reached my breaking point with Bank of America and the way they are fraudulently handling my account. Bank of America ( BOA ) have taking authorizations and deducted them from my available balance ( which can be observed just by looking over snapshots of the past 3 months ) and after the authorization falls off, BOA never adds the funds back to my available balance. For example, on XX/XX/21 I had an available balance of {$8.00} with other transactions processing which has already been subtracted from the available balance. I then transferred XXXX from my other checking account and none of my transactions from XX/XX/21 totaled XXXX, only to discover after making one transaction on XX/XX/21, I had a balance of XXXX minus XXXX I transferred to my XXXX Bank account on XX/XX/21. I have been constantly transferring XXXX 's of dollars in funds to this account only to have my funds disappear. On XXXX BOA charged me a fraudulent overdraft fee, which was impossible because my account had a balance of less than XXXX but it wasn't in the rear and I also transferred XXXX after checking my balance, the fee was debited back to my account on XX/XX/21 when I contacted them, but still I should not have to play watchdog with my account, when they are the company, I'm entrusting to safe keep my funds and oversee transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have business account with XXXX and XXXX after 7 years of being open, they decided to give my business a credit score using my personal credit score. The problem is the personal credit score is WRONG. XXXX knowingly replace my credit report with some made up information. I have one physical copy of my credit report and I also have a copy of the credit report they presented to XXXX which produced a low 500 score. I also have XXXX XXXX XXXX XXXX and they using transunion. After contacting transunion, they decided to dispute all accounts on behalf which was 3 that was giving me a negative score. Including a balance of XXXX that pop up on my credit with XXXX XXXX, that no one knows where it came from. XXXX, says not theirs and they can't even see the balance. 
XXXX XXXX says they didn't do it and don't know why its their. Yet, its still their. I'm finding Equifax has me down for XXXX score. Why, I have no ideal, but I haven't added any other accounts to my credit score. I know I shouldn't be in no 5 or 6 anything. I'm sending my screenshots as proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, Convergent Outsourcing, Inc. added a derogatory mark on m credit report per XXXX XXXX and XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Certified debt validation letters were sent to Convergent Outsourcing, Inc. on XX/XX/2020 and again on XX/XX/2020. Both times the company sent me a letter saying the debt is valid and attached a bill with no signature or contract as verification. A bill with no signature or contract does not verify/validate this account/collection. Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill saying it's mine. I have no knowledge of this account/collection and it does not belong to me. According to FCRA, Convergent Outsourcing , Inc. has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Product: Debt collection

Waypoint collection company is calling XXXX asking my XXXX XXXX XXXX child to confirm my name address including city state and zip code. I called the number back spoke with XXXX and informed they the repeated calls to my minor child will need to stop. I requested XXXX further contact again as my child is a minor. Another call came the very same day from a person who claims her name is XXXX XXXX ( ironic ). Again I asked for no dither contact especially trying to have a minor child verify her address as this is not OK.
Product: Credit card or prepaid card

It was bought to my attention on XX/XX/2023 that according to the Uniform Commercial Code I had other ways to tender payment besides federal reserve notes, which is the most commonly used payment method. According to UCC code 3-603. TENDER OF PAYMENT, and 3-602. PAYMENT, and 3-104. NEGOTIABLE INSTRUMENT. Discover has decided to acknowledge receipt of the Payment Coupon that was detached and returned to set off, remit, or discharge debt. As a result they have sent multiple requests for additional payment in Federal reserve notes. I have spoken with a manager who stated I just sent them a piece of paper although I sent certified mail an endorsed payment coupon. UCC code 3-206. RESTRICTIVE INDORSEMENT. They are also threatening to report late transactions to credit reporting agencies who are also violating the UCC codes. 603 - 15 U.S.C. 1681a ( 2 ) ( A ) ( i ) states that reports containing information solely as to transactions or experiences between the consumer and the person making the report ; should not be included. I have tried to contact customer service about the matter I also started a claim with Discover in regards to the matter. This is impacting me negatively as I have an expanding business and Discover is reflecting negative information on my credit report and denying a legal tender of payment. I have attached several supporting documents and would like this matter resolved urgently as the negative report is denying me access and creating a costly negative impact.
Product: Checking or savings account

I am writing to formally express my concerns regarding Capital One Checking 's handling of dispute, particularly in the light of the recent CFPB lawsuit highlighting significant issues with the merchant. Despite using Capital One Checking for a few years, numerous of times there have been discrepancies and they have failed to properly remedy the situations. XX/XX/year>, Capital One Checking withheld millions of people 's hardworking funds ( including mines! ) for a minimum of 4 days, with no aid or assist. They informed me that recovering lost funds and accumulated fees would be resolved but it has not been feasible. The lack of accountability and transparency is unacceptable and raises serious concerns for the consumer.