23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

To Whom It May Concern : I am writing to file a complaint against TrueAccord of whom is a debt collector and has reported un-validated information regarding the debt in the amount of {$850.00} to XXXX, XXXX, XXXX  and other credit reporting agencies. 

Over the past several months, I have tried to resolve this issue via filing a dispute requesting VALIDATION of the debt with TrueAccord. I have also contacted the agency via telephone at XXXX as well as the agent assigned to the account via email at XXXX. Unfortunately, on XX/XX/19 I received a statement via email advising per TrueAccord the reporting collection agency I received an email dated XX/XX/19 advising the debt has simply been VERIFIED and is due for collection. 

Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt being reported on my credit report. However, to no avail the TRUEACCORD the agency of whom is trying to collect on the debt has refused to VALIDATE the debt pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) t. 

Debt validation includes the following : 1. Who was the original creditor on this account, and what was the account number? 
2. What was the original amount owed? Please provide a complete payment history, starting with the original creditor. 
3. Please provide me documentation that indicates that I agreed to pay someone this sum of money. 
4. What was the original date of delinquency for this account? 
5. Agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment. 
6. What did you pay for this account, and how did you calculate the current amount owed? 

TrueAccord is refusing my request for VALIDATION of the debt I am requesting proof that I am the correct party, and there is some contractual obligation made pursuant to the above named Title and Section of the Fair Debt Collection Practices Act. 

I am requesting your assistance in putting an end to this matter. If you have any questions or need additional information, please contact me at the address listed below. 

Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Well for years while I was younger my old brothers and sister use my information without me being old enough to give my permission or to know whats going on at the time I file my taxes now with an XXXX due to this problem
Product: Checking or savings account

Wells Fargo offered a bonus of {$400.00} for a personal checking account after keeping a minimum balance and linking direct deposits of {$1000.00}. I had my paycheck direct deposited into the checking account XXXX times and kept the balance at the minimum required, fulfilling the requirements. The bank did not award me the promised amount, so I asked what the issue might be. I was told that on I had qualified for a Business checking award and, because of this, that this disqualified me for the personal checking bonus. This is found nowhere on the terms and conditions of the offer. 

Nowhere on the banks offer does it mention business checking impeding personal checking qualifications or bonuses. It mentions that one can not receive a bonus from a " consumer checking account '' in the last 12 months. A business checking account is not a consumer checking account. I feel like the bank is trying to bait and switch me and rip me off after I have fulfilled my end of the bargain. 

This is what the bank stated as to its eligibility requirements : " Account opening bonus disclosure Eligibility Requirements : This offer is for new checking customers only. All Wells Fargo consumer checking accounts are eligible for this offer with the exception of checking accounts offered by Wells Fargo Private Bank. 
You must use your bonus offer code at account opening when you apply for a new eligible Wells Fargo checking account. 
You are not eligible for this offer if : You are a current owner of a Wells Fargo consumer checking account You have received a bonus for opening a Wells Fargo consumer checking account within the past 12 months You are a Wells Fargo employee Bonus Requirements : Open a new Wells Fargo consumer checking account with a minimum opening deposit of {$25.00} by XX/XX/2022. All account applications are subject to approval. 
Within XXXX calendar days of account opening ( the qualification period ), receive a total of {$1000.00} or more in qualifying direct deposits to your new checking account. 
A qualifying direct deposit is an XXXX ( XXXX XXXX XXXX  ) automatic electronic deposit of your salary, pension, Social Security, or other regular income into your bank account. Confirm with your employer or the agency or company making these payments that they use the XXXX network. 
Transfers from XXXX account to another, mobile deposits, or deposits made at a branch or ATM dont qualify as a direct deposit. 
Bonus Payment : Once the XXXX qualification period has elapsed, we will determine if you have met the offer requirements, and will deposit any earned bonus into your new checking account within 30 days. 
The new checking account must remain open throughout the XXXX qualification period and at the time we attempt to deposit any earned bonus payment. Please note that an account with a XXXX balance may be closed by us without prior notice, as further described in the Deposit Account Agreement. 
You are responsible for any federal, state, or local taxes due on the bonus and we will report as income to the tax authorities if required by applicable law. Consult your tax advisor. ''
Product: Debt collection

XXXX XXXX DBA XXXX XXXX is in New Jersey. I have never been to New Jersey. Also, this was supposedly created in XXXX. I have been XXXX XXXX in the military since XXXX. XXXX I was in Colorado.
Product: Credit reporting, credit repair services, or other personal consumer reports

Midland Credit Management reported a " late payment, collection account '' when in fact this account was acknowledged via CFPB last year and cleared by collection company at the time. This account was discharged via my husband 's bankruptcy on XX/XX/18. No new information or collection should be added to my credit report at this time causing a decrease in credit score. XXXX XXXX is attached. In the state of Arizona, spouse debts when included in the BK are discharged as part of " marital property ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax, and XXXX are reporting incorrect personal information on my credit reports. Previous addresses and current address is wrong. Also, Equifax is reporting incorrect date of birth.
Product: Checking or savings account

I deposited a paycheck by mobile deposit on XXXX and was told that funds will not be available until XXXX  I have contacted Chase several times and gotten conflicting information. I have been with the bank for 3 years and have deposited payroll checks both by mobile deposit and direct deposit.
Product: Mortgage

I was in an accepted repayment plan after forbearance. And out of the blue they sent a letter terminating it for no valid cause. I had paid the payment for the first month within the month and there customer service said as long as it was paid before the net month it was fine. I request the tapes they made of the conversation. Besides the will not let me pay the payments online as I always have. They are doing everything they can to stop me from paying this forbarance amount. Feel like they are just trying to get my home or raise my interest rate.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. 
Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 45 days so they should be deleted promptly. I demand these accounts be deleted
Product: Credit card or prepaid card

On XX/XX/18 I submitted an online application for a XXXX XXXX store credit card through XXXX XXXX. I was told by XXXX XXXXXXXX customer support that I would get an immediate response on line, either approved or denied. With the online approval, I would get a card number that I would then be able to use today to make an online purchase with their promotional rate, even though I would not get the physical card for 7-10 days. I submitted the application and got a prompt to call XXXX XXXX as they needed additional information. When I called, they completed the application and approved me for a {$4500.00} credit line. However, since the approval was not on line and the application was technically completed by a live person, all they could issue me was a reference number. As such, I could not access this card to make my purchase. Synchrony failed to disclose that this added step would result in my not getting a usable credit card number today. I no longer need this card, yet a credit check was done! I intend to cancel this card but can not for at least 3 days, as per the bank! this is an outrageous abuse and misrepresentation. Synchrony and XXXX XXXX have mislead what would have been a loyal customer. I do not have an account number, as mentioned previously, as I have to wait 7-10 business days to get the actual card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to XXXX & Equifax, XXXX XXXX advising them that these two accounts don't belong to me, they sent me a letter explaining that their investigation was completed. I then requested a copy of how they verified the information that I had disputed? they then advise me if I had any issue to please contact the creditor I contacted the creditor they themself have not been available to verify or furnish a signed agreement bearing my signature to prove to them that the account is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights for the amount of {$950.00}. 

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 : also states a consumer reporting agency can not furnish a account without my written instruction to do so.
Product: Debt collection

on XXXX. XXXX XX/XX/XXXX and XX/XX/XXXX I am writing to dispute a fraudulent account on my credit report that resulted from identity theft. I discovered this account while reviewing my credit report and immediately recognized it as unauthorized. 

I have taken steps to address this issue, including filing a police report and submitting an identity theft affidavit. Despite these efforts, the fraudulent account remains active on my report. I have reached out to the creditor and the credit bureaus multiple times, but the account has not been removed.
Product: Checking or savings account

On XX/XX/2022 I made a mobile deposit which was supposed to be in the amounts of {$80.00} into my USAA checking account. Unbeknownst to me I had pressed an extra zero on my deposit and it turned into {$800.00}. The following day I received a notice from USAA of the mistake and not my account was negative. {$120.00}. In the following days, my VA benefits for my XXXX XXXXXXXX were deposited into my checking account, bringing my account into the positive to the amount of {$830.00}. I then received a call from USAA saying that they were closing my account. But the problem lies in the fact that they are not giving me any of the money that was deposited into my account for the next 60 days. If this were any other form of tender or income I would understand that, but seeing as I'm a XXXXXXXX XXXX on a fixed income and these are protected funds, it is not okay for USAA to hold these funds from me. Me I'm in the process of being evicted from my home, I have no food in my fridge, and I've called begged and pleaded to USAA to please just give me my XXXX income and close my account. The only thing I met with is half-hearted. Apologies, and being told to go to charity or ask friends or family for money. Literally a USAA representative told me to go to a charity or to ask family or friends for money. I do not owe USAA anything, all of my accounts are paid and this is completely unacceptable and inhumane. Inhumane. USAA is a bank that is supposed to stand by those that have served this country, yet they are allowing the very people they swear to serve, lose their homes and walk the streets hungry.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I was the victim of fraudulent transactions totaling {$2300.00} USD sent to users suspected to be operating under false names. Details of the Scam : I initiated contact with XXXX XXXX online through XXXX in regards to meeting in person to start a relationship. We planned to meet in Rhode Island initially, but XXXX XXXX claimed they were unable to travel. Instead, they proposed I visit them in XXXX XXXX Florida. 

Believing this would solidify the legitimacy of the arrangement, I agreed to travel to Florida to meet XXXX XXXX. Prior to the meeting, I had XXXX sign a legal contract that included their name, IP address they used at the time of signing, and their approximate location in XXXX. Unfortunately, shortly after arriving in Florida XXXX ceased all communication with me. I suspect they never intended to meet and used the prospect of a meeting to facilitate the fraudulent transactions. 


PayPal Transactions : On XX/XX/year>, I experienced the following fraudulent transactions through PayPal : A mobile payment of {$550.00} sent to XXXX XXXX with email XXXX ( Mobile Payment ID : XXXX ). A general PayPal debit card transaction of {$550.00} sent to XXXX XXXX XXXXXXXXXXXX ( Transaction ID : XXXX ) followed by a reversal for the same amount. Another mobile payment of {$750.00} sent to XXXX XXXX with email XXXX ( Mobile Payment ID : XXXX ). On XX/XX/year>, a mobile payment of {$200.00} was sent to XXXX XXXX with email XXXX ( Mobile Payment ID : XXXX ). Another mobile payment of {$50.00} was sent to XXXX XXXX with email XXXX ( Mobile Payment ID : XXXX ). On XX/XX/year>, a general card deposit of {$720.00} was received, possibly related to a fraudulent transaction ( General Card Deposit ID : XXXX ). XXXX XXXX Transactions On XX/XX/year>, a XXXX XXXX transaction of {$150.00} was sent to XXXX XXXX from XXXX XXXX ( # XXXX ). On XX/XX/year>, a XXXX XXXX transaction of {$660.00} was sent to XXXX XXXX from XXXX XXXX ( # XXXX  ). 

Actions Taken : I have reported the fraudulent activity to XXXX XXXX on [ XX/XX/year> ]. I have filed a police report with the XXXX XXXX XXXX XXXX XXXXXXXX on [ XX/XX/year> ]. I have contacted my bank regarding the fraudulent transaction on [ XX/XX/year> ]. 


Current Situation XXXX XXXX has denied my request to recover the funds related to the transactions on or around XX/XX/year>. My bank was unable to recover the funds. Law enforcement is currently investigating the case. 

Given the difficulty in identifying the scammers and their potential location outside the US, what are the chances of recovering the lost funds through a civil lawsuit? Can I explore legal options against XXXX XXXX for failing to prevent fraudulent transactions under the Electronic Funds Transfer Act ( EFTA ) and any applicable state or international laws? Are there any other legal avenues both civil or criminal I can pursue to hold the scammers accountable or recover my funds? I have attached copies of PayPal and applicable XXXX statements aling with bank statements for the month, the legal contract I had her sign among other relevant evidence. 


Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

i have contacted all of these companies saying i owe them money on my credit report Not one of them can show me proof that i owe them anything Ive never even heard of these companies
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute and Request for Investigation Account # XXXX I am writing to formally dispute the reporting of the account referenced above as it appears on my credit reports provided by TransUnion, XXXX, and XXXX. Significant inconsistencies exist in how this account is being reported across the bureaus, raising concerns about the accuracy and completeness of the information being furnished. 

Discrepancies and Issues Identified : Account Balance : TransUnion, XXXX, and XXXX all report a balance of {$1900.00} ; however, the account is marked as " Closed '' in each instance, which contradicts the balance owed. 
Payment Status : All three bureaus report the payment status as " Charged off '' or " Charged off as bad debt. '' This status is concerning as no documentation has been provided to substantiate the charge-off. 

Dates of Activity : Date Last Active : TransUnion reports XX/XX/XXXX, XXXX reports XX/XX/XXXX, and XXXX reports XX/XX/XXXX. These discrepancies suggest the accounts activity dates have not been accurately verified. 

Date of Last Payment : TransUnion and XXXX report XX/XX/XXXX, whereas XXXX lists XX/XX/XXXX. This inconsistency impacts the accounts validity under the Fair Credit Reporting Act ( FCRA ). 
Payment History : XXXX inaccurately reports " OK '' payments for certain months during XXXX while simultaneously marking the account as a charge-off in other months. This conflicting information demonstrates a lack of proper validation and oversight in the reporting process. 

Comments : TransUnion includes " Profit and loss write-off, '' and XXXX notes `` CONSUMER DISPUTES- REINVESTIGATION IN PROGRESS, '' but XXXX lacks any comparable details, highlighting an incomplete and inconsistent investigation process. 
Violations of the Fair Credit Reporting Act ( FCRA ) : Under the FCRA, credit reporting agencies are required to ensure the maximum possible accuracy of the information they report. The inconsistencies and contradictions in this account 's reporting demonstrate a clear failure to adhere to these standards. 

Furthermore, XXXXXXXX XXXX and XXXXXXXX XXXX  documented history of inadequate reinvestigation practices ( " sham investigations '' ) raises additional concerns about the integrity of their review process and compliance with legal requirements. 

Actions Requested : Conduct a detailed and thorough investigation into this accounts reporting across TransUnion, XXXX, and XXXX. 
Provide verification of all reported information, including : Documentation of the charge-off and proof of the original balance. 
Accurate and consistent dates of activity and payment. 
Clarification of the accounts payment history. 
Remove any inaccurate, unverifiable, or inconsistent information from my credit reports. 
Confirm the results of the investigation and actions taken in writing within the 30-day timeframe specified by the FCRA.
Product: Debt collection

I sent a debt validation/verification/dispute letter to this collection agency. This debt is not reporting as " consumer disputes '' on my credit profile. This was sent certified mail with return receipt and I did get a signed return from I. C. system. 
tracking number : XXXX XXXX XXXX XXXX XXXX The agency has failed to report this account as disputed, this agency has failed to provide evidence this debt belongs to me. Please remove this debt from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is engaged in multiple willful misrepresentations ( fraud ), even after federal lawsuit on XX/XX/2020. What a criminally inclined company! 

( 1 ) Displaying my social security number as my phone number on the front page of the credit report. 
( 2 ) Removing two ( 2 ) XXXX XXXX XXXX XXXX XXXX XXXX Accounts ( by TransUnion ) to willfully harm my credit score by at least 20 points.
Product: Credit reporting or other personal consumer reports

when I submit a dispute to the credit bureau 's stating I am no longer responsible for the loan or mortgage, about a week later I get a notification saying my dispute has been DENIED. now is this the credit bureau or is this Shellpoint mortgage, this has been ongoing and I am fed up with these antics.
Product: Debt collection

I paid an outstanding debt XXXX XXXX, XXXX. After several disputes XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX the collection agency KLS refuses to remove the collection. The original debtor even reached out to them on XX/XX/XXXX to inform them that the debt was in fact paid in full. However, instead of this agency deleting the item they instead send me a letter dated XX/XX/XXXX with an invoice from XXXX NOT the receipt of payment that I and the original owner of the debt sent over to them! This unlawful attempt to collect a debt that has been paid is absurd! Even after talking to the staff they have been rude, abrasive, and inaccurate. I want to take legal action against their unethical practices and reporting of inaccurate data.
Product: Checking or savings account

My father passed in XXXX of 2021 of XXXX. I am the executor of his will. I have been trying to close out his checking account with USAA XXXX XXXX XXXX ) since late XXXX. I have called faxed and written letters ( certified mail ) with all the information necessary to close the account. ( I have closed all his other bank accounts using the same info ). I even had my attorney write them a letter to inquire about why we can't close the account, to no avail. I have verified with USAA that they have received the information but they will not respond any further. I finally spoke with their insurance division and cancelled his auto insurance and they assured me that someone from their survivor relations would be in contact, but nothing. Not only have I had to deal with the loss of my father but dealing with USAA 's ignoring me has led to additional frustration.
Product: Checking or savings account

Acct XXXX says status closed. I had a dispute for the charges and they never resolve a dispute I had with XXXX XXXX I contacted them and resent the signed ACH dispute 10 times, they closed the account without reason, didnt give me the refund for the unauthorized charge of XXXX XXXX and did not credit the overdrafts fees. I should have received a refund for about {$100.00}. I want them to reverse this, close the account with good terms and issue a refund to me for the unauthorized charge of XXXX XXXX and the overdrafts. I already did a dispute with BBB, your rep XXXX from the presidents office phone number XXXX didnt do anything.The next step if they dont resolve this now, will be FTC and if not seek legal action for their incompetent actions that are causing hurt to my credit and banking history by reporting inaccurate information for not resolving unauthorized charges on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have enclosed proof of payment to XXXX @ XXXX not IQ data??
Product: Credit reporting or other personal consumer reports

Hello, I have my credit score drop from XXXX to XXXX in last few weeks because Citi credit card account is not able to pull up my disputes and has been charging me interest rate and mimumum payments on the disputed transactions since XXXX. They initially gave me the refund took it back and then gave it back to me and then took it again without notifying me. I have called them several times and told them that i changed my bank account and I was tired of the automatic withdrawal for minimum payment every month. 
I told them to put hold or do I need to keep making payments but they told me don't worry we will take care of it. But instead they made my account deliquent and ruined my credit. 

Even after staying on the phone with them over an hour they didn't give me any resolution and told me to call back again. I ended up paying {$480.00} for charges that I do not owe. I have not used the card in the last XXXX years besides monthly XXXX subscription being charged to the account. 

I really need help to restore my credit and fix this issue! 

Thank you. 

XXXX XXXX XXXX