23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received correspondence from FBCS Inc., a collection company, for an old debt and they said that they were collecting for XXXX XXXX XXXX XXXX. The amount is $XXXX, which is ridiculous, for XXXX XXXX. They say that the settlement amount is $XXXX and now this is reporting on my credit report TWICE! 

I want FBCS (XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX) and XXXX XXXX XXXX XXXX   sanctioned and I want this item REMOVED from my credit report. 

They are using debt collection actions that run afoul of the debt collection rules and regulations and this is a very old account and it should not be reporting TWICE!
Product: Debt collection

Sent letter to LVNV FUNDING LLC collections agency requesting validation of debt with them. Requested proof of signed agreement with myself and original creditor, establishing myself liability for debt. The amount of alleged debt.
Product: Checking or savings account

On XX/XX/year> I was notified by text message from Truist Bank Fraud Department that an unauthorized transaction had just hit my checking account through my debit card for {$1600.00}. I immediately called them at XXXX XXXX  when this happened and told them it was not authorized by me. On XXXXXX/XX/year> I received a letter from Truist notifying me that they were providing me with {$1600.00} provisional credit until an investigation was completed. It also requested me to provide documentation to prove that I did not authorize the purchase. I contacted the vendor in question, XXXX, and told them someone had accessed my debit card and my XXXX account and purchased a XXXX XXXX ticket in XXXX for {$1600.00}. The thief was able to print the ticket from my XXXX account, to an email address different from my email that is registered with XXXX. I live in XXXX, am XXXX XXXX XXXX and don't know XXXX XXXX XXXX song. 
I emailed documentation from XXXX to Truist on XX/XX/year>. On XX/XX/year> I got another letter from Truist stating that after review of the transaction, they determined the ticket purchase was authorized by me for my benefit. They subsequently debited my checking account for {$1600.00} on XX/XX/year>, leaving me with a {$0.00} balance. All my scheduled bill payments have been " bouncing '' since that date. On XX/XX/year> I called and emailed Truist requesting that they revisit my claim and return the money, which is half of my monthly income. I also called XXXX and requested more documentation indicating that the ticket purchase was fraud. XXXX immediately emailed me a letter stating they too found the transaction fraudulent. I emailed the XXXX letter to Truist on XX/XX/year>. I have called Truist on 5 days since XXXX to request an update. In each instance I have been on the phone for 30+ minutes. They claim to have not received my documentation, can't read it, the phantom " investigators '' are in the " back office '' and can not be contacted.There is no way to escalate this or speak with anyone who can provide me with information on how they determined I authorized this theft. I have been banking with Truist ( or predecessor banks ) for 37 years and do not participate in criminal activity. Please help me in resolving this matter so I can pay my bills on time and not have this matter affect my credit report. Thank you.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Method of Validation and Account Verification In response to confirmation # XXXX Dear Equifax Dispute Department, I am writing regarding your recent response to my dispute of account listed on my credit report, in which you indicated that the account was verified as accurate. I have concerns about the completeness and accuracy of the information reported and request further clarification. The confirmation # XXXX is the investigation I'm responding to. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to receive a description of the procedure used to determine the accuracy and completeness of the information, including the contact information of the party that provided the verification. Specifically, I am requesting : 1. The method of validation used to verify the disputed account ( s ).

2. The contact information for the creditor or furnisher, including their name, address, and phone number.

3. A detailed explanation of how the account ( s ) was verified for accuracy and completeness.

4. The date, time, and who exactly verified this account 5. A detailed explanation of how the account ( s ) were verified for accuracy and completeness, particularly regarding : -Balance amount -Past-due amount -Account status -Charge-off amount -Date of 1st Delinquency -High Credit -Amount past due The specific account ( s ) in question are as follows : XXXX XXXXXXXX XXXX  XXXX XXXX # XXXX If the accounts can not be properly verified or validated, they must be deleted from my credit report promptly, as required by the FCRA. 



Please provide the requested information within 30 days of receipt of this letter. Failure to do so will result in further action on my part, which may include filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies. 

Thank you for your attention to this matter. I look forward to your prompt response. 


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

I recently checked my credit report and noticed discrepancies accounts reporting late payments on my credit that I do not recognize.
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 

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 XXXXXXXX, XXXX, XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a secured loan opened at XXXX on XX/XX/2024 under the XXXX account number. All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries result from identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Credit reporting or other personal consumer reports

RE : Inaccuracies report to credit file & Violations of my Consumers Rights. 

I am contacting you because I recently pulled my credit report, and I found some information that is inaccurately being reported. Below are accounts that are displaying as being charged-off, if these accounts were indeed charged-off, then why didnt I not receive a copy of a 1099C from the creditors. They received a tax write-off, and I should not have this debt reported on my credit profile. Therefore, send me any forms or any documentation showing that you have the right to report this as a debt. If you can not provide this information, please remove the mentioned accounts from my credit report immediately. According to the IRS, cancelled debt ( charge-off ) is gross or ordinary income. Therefore, these charge-offs are considered as income and income should not be reported on my consumers report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This is a violation of my consumers right, according to the Fair Credit Reporting Act FCRA : 15 USC 1681s-2 : Responsibilities of furnishers of information to consumer reporting agencies 1681s2. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I reviewed my credit reports and it shows inaccurate and unverified items that violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168
Product: Mortgage

We obtained a construction loan from Synovus bank to build our dream house. The loan amount was {$460.00}, XXXX at an interest rate of 4.375 %, to be disbursed in progress payments. We have received {$280000.00}. The monthly payment for this amount is {$1100.00}, which we have paid faithfully. On XX/XX/22, Synovus arbitrarily raised our payment to {$2400.00}. They said that this amount includes principal and interest on the total loan amount of $ XXXX. We replied that we could not be expected to pay principal $ interest on funds that Synovus never disbursed. Furthermore, we agreed to pay the XXXX, if the total loan amount was given to us. At present, the facts are as follows : 1 ) Synovus has reported us as late, to the credit bureaus for 13 consecutive months, even though we pay the proper amount {$1100.00} monthly. 
2 ) Synovus has ruined our credit which makes it impossible to refinance this mortgage. 3 ) Synovus refuses to release the additional funds we needed to complete building our home, yet they want to force us to pay principal & interest on funds in their possession.
Product: Credit reporting or other personal consumer reports

I was an victim of identity theft. I did file Identity Theft Report with FTC, Report # XXXX and also a Police Report with XXXX XXXX XXXX, Report # XXXX. This information along with a copy of my Drivers License and SSN was sent to XXXX through USPS Certified Mail, Tracking # XXXX. 

This information was also uploaded online through XXXX  Dispute portal. I have spoken to several XXXX Membership Team members as well. I also pay XXXX membership for credit monitoring $ XXXX. XXXX Membership # XXXX Even after several attempts to get the inaccurate information which is a result of identity theft to be removed, XXXX Membership Team nor the Fraud Department has done any corrections to my credit report. 

Unfortunately, as a result of this inaccurate information reporting by XXXX, other credit agencies such as Equifax and XXXX is also reporting this fraudulent inaccurate information. Equifax and XXXX has confirmed that they are reporting as for the information provided by XXXX. 

I am in the process of refinancing my house, due to XXXX reporting inaccurate information which is a result of identity theft I was denied the mortgage.
Product: Debt collection

I visited the emergency room at XXXX XXXX Hospital and was billed as a charity case because I am indigent under the GA Indigent Care fund. These 3rd party collections agencies bill me and call me for the services that have been credited and cleared my account. However, each time I tell them this they sell the account to another 3rd party collection agency that will bill me the next year and add this back onto my credit report. They keep flipping this bill after I send the confirmation that the bill is clear. This is some type of pontzi scheme and they just keep on coming. There needs to be a stop put to this type of activity by these collectors.
Product: Checking or savings account

Deposited two settlement checks, chase cleared one check and put a hold and restricted my account on the second one. After multiple verification that the check was a good check they refused to lift the restriction and release my funds. Thus messing with the livily hood of me and my XXXX XXXX as this is my primary account.
Product: Checking or savings account

I got an alert on my phone while I was in XXXX XXXX XXXXXXXX that my chase checking account had been drained. I immediately called Chase to alert them that someone stole my info. I was on the phone with them right away processing the claim. Someone went to the Chase Bank at XXXX XXXX XXXX XXXX XXXX XXXXXXXX, withdrew {$2300.00} from my account and then went to an ATM down the street and took out {$180.00} in cash. I have been fighting this with Chase, they gave me the info of the bank where this happened. I was not even in the state since XX/XX/XXXX and someone stole my mail/information and went to the bank as me and took {$2400.00} in total. Someone got a new debit card under my name, either stole my mail or had it sent to them, I have never even received a debit card that was used. 

I immediately froze all my credit with the XXXX major bureaus. I have been fighting this for over a month. Chase made me sign an " Unauthorized Signature or Forged Item Declaration '' before proceeding with the claim, I did that. They got back to me with a letter saying " we are denying your claim because we determined that the item being disputed was authorized by you or you received benefit from the item. We will not reimburse you. '' I have never been to that bank in my life, I was in a completely different state when this happened. I went to a local Chase branch in Minnesota on XX/XX/XXXX ( the next day the bank was open ) to see my options and file a claim and prove that I was in a different state, they even admitted that they don't always check IDs when people are in the bank. 

I got an alert at XXXX on XX/XX/XXXX that my account had a low balance in it- Chase could literally check their cameras to see that it wasn't me at all, but seems they don't want to do they due to their negligence in letting someone else withdraw money from my account. Makes it seem like this was an inside job. 

I filed a police report, I called right away. I do not know what else to do to prove this was fraud. 

Chase reviewed the ATM withdraw of {$180.00} and approved that fraud claim an reimbursed me, no problem. The ATM withdraw happened less than XXXX later down the street from the Chase bank the {$2300.00} was withdrawn from. Why won't they approve the larger claim then if they already admitted this is fraud?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried contacting Transunion and XXXX in regards to fixing the technical issues in my online accounts and they have failed to fix my issues. 

At the moment I am not able to see my free report, manage alers & freeze my report!!! I have called multiple times and have received responses that are a complete lie! 
Multiple representative have told me that it would be fixed in 24-48 hrs, some have told me that they would have an agent call me to fix my issues but so far NONE OF IT HAS BEEN THE TRUTH. I am unable to manage my freeze, see scores and manage my alerts!! I have zero control of my report which is affecting me and violating my consumer rights! Fix this issue ASAP
Product: Debt collection

Disputed with the company on XX/XX/18 approximately 71 days ago. Complaint showed to be received by company on XX/XX/18. It is now XX/XX/18 and I have yet to hear from the company. The FCRA gives the company 30 days to respond, and I have not gotten a response.
Product: Checking or savings account

I have tried to contact Sofi bank for almost two weeks I havent been able to buy groceries or pay my rent soon I will be evicted even though its the banks fault I have called every department but the keep sending me to voicemail. Since XX/XX/2021 my account has been frozen .with no explanation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

Friday XX/XX/2023. I received 5 calls to my job and a voicemail all within 20 min time frame ( they know I cant have personal calls at my job and had asked them not to contact me there before ) from Service Loan located at XXXX XXXX XXXX XXXX XXXX TN XXXX to let me know my account was 6 DAYS past due after they had called my cellphone 3 times and left me a voicemail to also return their call because my account was past due 6 days. I understand if my account wouldve been 30 to 60 days past due but I was literally only six days past due and they contacted me multiple times within one hour.
Product: Credit reporting or other personal consumer reports

I reported fraudulent transactions totaling over {$5000.00} on my Chase credit card. After their investigation, Chase agreed that the $ XXXX was fraudulent and reversed those charges from my account. However, they are now insisting that I pay an additional {$1000.00}, which includes interest on the previously reversed fraudulent charges. 

Despite my repeated requests, Chase has failed to provide any proof beyond a reasonable doubt that this {$1000.00} debt is valid. They initially assured me they would contact credit agencies to remove the negative marks from my report but failed to follow through, leaving my credit negatively impacted. This ongoing dispute has lasted for over a year, causing significant emotional and financial distress. 

I originally closed the credit card after the identity theft incident, yet Chase reversed more than {$5000.00} in fraudulent charges after the card was closed. Their handling of this situation has been unethical, as they continue to demand payment for a debt I do not owe. 

I seek justice and resolution in this matter. I refuse to pay for fraudulent transactions, and I want Chase to take full accountability by removing the {$1000.00} debt, along with any associated negative marks on my credit report.
Product: Mortgage

The on-line Form 1098 statement indicates {$1600.00} for interest and {$9300.00} for principal. These amounts do not add up to the {$11000.00} payments made in XXXX. Where is the additional money that I paid? Why is it not applied to my principal balance? How can it be applied to future interest that has not been accrued? 

The mailed 1098 Form now shows {$1800.00} collected in XXXX for interest, which as described below, is more than the amortized interest. 

WaterMark Capital Inc. has over-collected interest on the above account by the amount of {$220.00}. 

The original amortization table indicates the total interest due before XX/XX/XXXX is {$1700.00}. Since additional payments have been made, the actual interest due is {$1600.00}. 

Watermark Capital has collected {$1800.00} in interest from my payments and did not apply the additional payments toward the principal balance.

Watermark Capital must credit my account in the amount of {$220.00} ( {$1800.00} - {$1600.00} ) toward principal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive tried to get in touch with XXXX XXXX and Transunion Theres been a issue getting my credit report and FILE. My consumer rights are to have full access to reports and FILE. As well as I advise them of my rights pre accounts sent in on FTC form as well as complaint numbers to ftc. Still advise me that accounts were either verified or to follow up with creditors per consumer right Im the only consumer can verify and account to me mind,, creditor reporting non factual information to tarnish my reputation and worthiness or credit is against the law without my consent it is Also identity theft. As well as all accounts thats reporting late payment like XXXX acceptanceReporting late payment are not fact per law 15 Usc 1666 b as well 15 usc 1681b ( 2 ) also if theres a finance charge included per law 15 usc 1605 A shouldnt be any late payments the sum of all charges so consumer cant be penalized me for something payed in full also 15 usc 1681e b which is requiring maximum possible accuracy which is not whats being reports on several accounts. Serval closed accounts and derogatory I asked to be removed because these accounts broke several laws cause me pain and suffering i And bad reputation due to they determined me per CRAS UN WORTH FOR CREDIT DUE TO THE non factual THESE CRA USing there platforms to ruin my reputation which they are breaking the law as well as creditors reporting these things without consent. They have not took my disputes serious neither have the too proper time to provide audit trail Ive been requesting CRAS KEEP USING LAWS THAT WAS MADE TO PROTECT ME AND MY FAIRNESS AGAIST ME AS A STALL TACTIC I WANT MY RIGHTS TAKING SERIOUS AND NOTHING LESS IM FED UP WITH CRAS AND CREDITORS USING THERE PLATFORMS TO SABOTAGE ME WITHOUT CONSENT AND FAIRNESS. Stop breaking law n helping other in unfair practices.
Product: Credit reporting or other personal consumer reports

According to a letter I received from Equifax, they were unable to locate a XXXX XXXX for me. The stated reasons were : You have not applied for credit recently. You have not actively used credit in the past 10 years, or You have not lived in the United States or have not been issued a XXXX Social Security XXXX. 

This is the second time they have been unable to locate a Credit profile for me despite identifying information being sent through this website.
Product: Debt collection

IN XX/XX/XXXX A DEBT COLLECTION COMPANY CALLED ME ABOUT A XXXX XXXX CREDIT CARD ACCOUNT WITH A BALANCE OF {$670.00}. I DISPUTED IT AS IT WAS NOT MY ACCOUNT. THEY REMOVED IT FROM MY CREDIT REPORT. IN XX/XX/XXXX I RECVEIED A LETTER FROM LVNV FUNDING SAYING THEY RECENTLY AQUIRED THE ACCOUNT AND WERE NOW TRYING TO COLLECT THE {$670.00}. I EXPLAINED AGAIN THAT THIS WAS NOT MY XXXX XXXX ACCOUNT, I CURRENTLY HAVE 2 XXXX XXXX ACCOUNTS IN GOOD STANDING BUT THIS ONE WHICH WAS OPENED 3 DAYS AFTER MY CHAPTER XXXX BANKRUPTCY WAS DISCHARGED ( WHICH MAKES EVEN LESS SENCE ) IS NOT MINE. I CALLED XXXX XXXX AND THEY SAID I HAD TO SPEAK TO THE COLLECTION AGENCY. I WROTE LVNV FUNDING A LETTER DEMANDING PROOF ( STATEMENTS, APPLICATION ) SOMETHING TO PROVE THIS WAS MY ACCOUNT AND I 'VE GOTTEN NOTHING. THEY 'VE NOT RESPONDED TO MY LETTER AT ALL. I WANT THIS REMOVED FROM ALL 3 OF MY CREDIT REPORTS ASAP AS I 'VE BEEN FIGHTING THIS FOR YEARS NOW AND IT KEEPS POPPING UP. THIS IS NOT MY ACCOUNT, AND NO ONE CAN SEEMS TO PROVE THAT IT IS.
Product: Credit reporting or other personal consumer reports

I have noticed something is wrong with my credit file XXXX XXXX XXXX with account # XXXX it has several innacuracies which I have tried getting them to remove the account but I havent had any luck.the items that are wrong is listed below : Account type Date opened Date last reported Date last active I want this account removed immediately