23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Subject : Dispute of Debt Reporting on Credit Report Dear Consumer Financial Protection Bureau, I am writing to formally dispute a debt that is being reported on my credit report, which I am unsure belongs to me. Despite my attempts to obtain validation of this debt, it continues to negatively impact my credit score.

Details of the Complaint : Debt Collector/Creditor Name : JEFFERSON CAPITAL SYSTEMS LLC Account Number ( if available ) : [ Insert Account Number ] Amount of Debt : $ XXXX {$680.00} Credit Bureaus Reporting the Debt : [ XXXX, XXXX, XXXX ] Issues with the Debt : 1. I do not recognize this debt and have no recollection of incurring it.

2. I have requested debt validation from the creditor/collection agency, but I have not received sufficient proof that this debt is mine.

3. The continued reporting of this debt is unfairly damaging my credit score and causing financial hardship.

Requested Resolution : I request that the CFPB investigate this matter and require the creditor/collection agency to provide proper validation of the debt. 
If they can not verify the debt with legally sufficient proof, I request that it be removed from my credit report immediately. 
I also request that any credit reporting agencies update my credit file accordingly. 

I appreciate your prompt attention to this matter and look forward to your response. Please feel free to contact me at XXXX or XXXX for any further information. 

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

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). Listing these items as information without verifying them within the legally mandated time frame is unacceptable. I require an investigation, a correction, or an update of the following erroneous information on my credit 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested that this company remove this improper use of my account information. I am a XXXX vet and I have tried disputing this information several times. Reporting of this account violates 15 USC 1681g ( 3 ) and the VA missions act 2018. It also violates my rights as a consumer to furnish my information without my consent.
Product: Money transfer, virtual currency, or money service

Mobile deposited into checking- this was fraudulent but the bank cleared it. I thought I was receiving money for a job. I was instructed by the person paying me to XXXX to certain emails. I did via friends and family which is why XXXX won't help. XXXX to XXXX XXXX {$500.00} on XX/XX/XXXX, XXXX to XXXX XXXX {$1000.00} XXXX, XXXX to XXXX XXXX XXXX XXXX {$500.00} & {$200.00} on XX/XX/XXXX. This was from a bad/fraudulent check. Not being aware I did what I was told by who I thought was an employer ( XXXX XXXX ). My actual checking account went negative {$1500.00}. I'm just trying to make my checking whole again.
Product: Money transfer, virtual currency, or money service

I am writing to formally appeal the decision to permanently limit my PayPal account associated with the email address XXXX. I believe this action was taken in error, and I respectfully request a re-investigation into my case. I strongly believe that the limitation placed on my account was a mistake. I have been a dedicated PayPal user for a significant period and have always strived to adhere to all policies and guidelines set forth by PayPal. To the best of my knowledge, I have not violated any PayPal policies or terms of service. My account activities have been in compliance with the standards outlined by PayPal, and I have not engaged in any prohibited actions. Given the above points, I kindly request that PayPal re-investigate my case. I am confident that a thorough review will reveal that my account activities are legitimate and in line with PayPal 's terms of service. I am eager to cooperate and provide any additional information that may assist in this process.

I greatly value the services provided by PayPal and would like to continue using my account for my business and personal transactions. I sincerely hope that you will consider my appeal and take the necessary steps to restore my account.
Product: Mortgage

I filed an insurance claim and received a check for the repairs for over {$25000.00}. the check was issued to myself and my wife and my mortgage company Dovenmeuhle and my adjuster. My wife and I endorsed the {$25000.00} check and sent to Dovenmuehle. they returned the check and said all parties had to endorse. So I had my adjuster endorse and we sent to them. Dovenmuehle received the check and placed in an escrow and has not released any money at all. They sent us a letter we needed to file a certain documents including a proposal for repairs. We filed one and they did not accept cause the total amount of repairs was less than the amount of the loss. So we filed a second on for {$38000.00} and have waited for them to release part of the funds and they have not issued any money. Dovenmuehle have sent like XXXX letters telling me about the insurance loss and they I need to bring this matter to a close. How can I close this issue if Dovenmuehle is holding the money!! They send me from the loss draft department to the loss mitgagtion department and neither department has resolved our issue. I know our account is past due but we are unable to make the full payment. we had a business and has to close it down due to government intervention. so we lost all the revenue we had. 
My wife and I had filed loss mitigation request to adjust our payment. Well the loss mitigation forms were filed last year. we sent them tax returns, bank statements and all items required. They tell me that the committee has to resolve the issue but they cant tell me when the committee meets and when the date the item will be resolved. 
We have XXXX isssues - the loss on my home and the loss mitigation request. They have comingled both issue and have not issued any money to me. I have waited 5 months and nothing has been done. I have offered for them to take part of the proceeds and pay the past due amount but they refuse to do that. So basically they are telling me I cant get my money until the loan is paid off. My attorney sent Dovenmuehle a letter that we wanted to file a law suit to have the money sent to a court and the court resolve the distribution of money. However I do n't have money to file the law suit. Dovenmuelhe has not responded to any of my requests. They have not sent me any money at all. They are holding my money in escrow and cant pay the past due amount. That money is mine and I can do what I want with it.
Product: Mortgage

Friday around noon I called to make a payment on my mortgage of {$1000.00} as I can not do any payments yet online they report and cant do them in the branch as they have not sent me some special coupon nor closing day copy of the mortgage from the XXXX of LAST month. 

The {$1000.00} came out of checking and not into the balance that interest is collecting on. Nor on the balance that is due by end of the month that is now being told to pay up. 

Where is the {$1000.00} that was in my Huntington checking to my Huntington mortgage!?!?!?!
Product: Credit reporting, credit repair services, or other personal consumer reports

All 3 credit bureaus are reporting incorrect personal information on my credit files. I need the credit bureaus to report the following on the personal information section. The following information is what is supposed to be reporting. 

Name : XXXX XXXX XXXX XXXX report name as reported on my DL and SS Card ) No other names or sub-names are to be reported Address : XXXX XXXX XXXX, XXXX  XXXX, CO XXXX ( nothing more, no abbreviations ) Employment : XXXX XXXX All other address, name and employment information that is being reported that is not as listed above is to be removed. 

Also any " Personal Statements '' that I may have added in the past and are being reported are requested to be removed. I am not requesting any personal statements on my credit reports at this time. 

I have written you several times to correct this and you have failed to acknowledge and to correct which is why I am now submitting this complaint with the CFPB. 

No other requests are being made at this time.
Product: Credit card or prepaid card

I became XXXX in XX/XX/2022. Even though I had card protection on this Synchrony Rooms To Go  account, I still made the monthly payments myself for 7 months, after which I applied for benefits. I have only had one address the entire time I have had this account, but they said they could not verify my address, so could not open a claim. Each time I have called, I was told that I would receive a callback from the Security Department so that we could resolve this issue. I have never heard back from them. It has been over 60 days of my calling every couple of weeks with no result, and the account has now gone past due. Of course, they still keep taking the fees from my account every month, even though they refuse to follow through on their promises.
Product: Credit card or prepaid card

On XX/XX/2022 I applied for a credit card with Comenity BankXXXX XXXX XXXX XXXX They ran a hard credit check but have not provided any approval or rejection as of today via the USPS or email. I have called several times to both of the following numbers and can not get any answer on the approval or rejection status ( XXXX ) XXXX ( XXXX ) XXXX.
Product: Checking or savings account

I spoke with SOFI yesterday XX/XX/year>2025. I asked for an update on the funds from my.account and if a new check was issued. They are telling me still to take this matter up with XXXX regardless the fact that I have sent proof that XXXX has sent the check back due to not having any information on it. I will attach the email recieved from XX/XX/XXXX that I recieved this morning as well. Were simply asking if they can stop payment payment on the check they originally sent out and issue one with the information requested from XXXX so they can identify the check when they recieve it or electronically send the funds. This has been going on for almost 3 months now and is absolutely ridiculous!
Product: Credit reporting, credit repair services, or other personal consumer reports

I seen inaccurate information on my consumer report and I tried to delete the accounts which I have attached to the letter. When I submitted the accounts to be deleted from my consumer report, the investigation results came back verified without any proof.
Product: Debt collection

A criminal broke into my unit and stole my XXXX XXXX  among other valuables. Inside my safe were items such as blank bank check books, ID Cards, and other personal sensitive documents. 

The criminal used my blank checkbooks to cash the checks at a XXXX. I received a letter from a collections agency stating that I owed {$1100.00} for the fraudelent check.
Product: Credit card or prepaid card

A fraudulent service provider made unauthorized charges on my Wells Fargo credit card. I contacted Wells Fargo customer service and opened disputes of the charges under two separate dispute numbers. I provided supporting documentation and have eyewitnesses and experts who are ready to testify for both disputes. I had to follow up dozens of times to ensure action was being taken to progress both disputes. One of the disputes progressed and resulted in a {$950.00} credit being placed back on my credit card. I contacted credit card customer service to have that money moved back to my Wells Fargo savings account, where it came from, which they did in approximately 2 days. The other dispute was deliberately stonewalled due to it being more material ( two charges of {$2900.00} each ). Wells Fargo customer service admitted to it being stonewalled on a recorded line, which caused me to go into my local Wells Fargo branch to advise them of this. The local Wells Fargo branch determined that the credit card customer service deliberately withheld the fact that they needed one piece of additional information. I immediately provided that information to the staff of the local Wells Fargo branch who provided it to the credit card customer service. Today, XX/XX/23, I received two credits for the charges under the second dispute. This process took 19 days ( started XX/XX/23 ), which is outrageous. I contacted credit card customer service to have that money moved back to my Wells Fargo savings account, where it came from. I was informed by credit card customer service that it would take 30 days, which I found outrageous. When I questioned them about it, they first told me it was due to the materiality ( it being over a {$2500.00} threshold ), which is irrelevant. When I questioned them about whether that money would be moved back to my Wells Fargo savings account, where it came from, they were evasive. A supervisor told me that they had to conduct an investigation and review the validity of transferring the money to my Wells Fargo savings account before doing so. Further, they could not tell me whether it would be in the form of a paper check or an electronic transfer to my Wells Fargo savings account. I have concluded that Wells Fargo is deliberately stonewalling me again and has no intention of rightfully putting that money back in my account, in spite of those credits being made to my Wells Fargo credit card. Wells Fargo credit card services is deliberately denying me access to my own money that I have entrusted to them as a fiduciary, which I believe is a violation of the law. They also have engaged in fraudulent activity, lying and stonewalling every step of the way. I have escalated these issues to the Wells Fargo XXXX XXXX XXXX Team under three separate complaints XXXXXXXX XXXX XXXX XXXXXXXX. No action has been taken to date to remedy any of this malfeasance.
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

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 XX/XX/XXXX Here I attach, along with the dispute, my fraud report that I just sent to EXPERIAN for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Product: Debt collection

I've submitted written requests for Blackwell Recovery to return the debt that I have disputed because I am trying to work with the original creditor to work out a cancellation option, and can not move forward with the account in collections. I plan to work this out and settle with the original creditor, and all of this has been explained to Blackwell Recovery. They are actively ignoring my disputes and continuing communication. I need this situation remedied ASAP!
Product: Credit reporting or other personal consumer reports

I am requesting an update to several accounts in my credit profile, which appear to be incorrect. Under the Fair Credit Reporting Act ( 15 USC sections 1681i ), you are required to complete your investigation within 30 days. Failure to comply will result in a violation of the Act and may prompt an investigation by the Federal Trade Commission : 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 Balance Owed : {$260.00}. Provide evidence that these accounts are valid and that my rights have been respected. If no such evidence is available, promptly update the inaccurate account information.
Product: Credit reporting or other personal consumer reports

I am writing to challenge the reporting and compliance on accounts with XXXX XXXX, XXXX, and XXXX XXXX XXXX that are being reported on my credit report with incorrect/missing information. 

More specifically, I am referencing the fact that Experian is reporting incorrect account numbers, incorrect high balances, incorrect credit limits, late pay after account was closed, collections account with a limit, inaccurate reporting dates. These are just to name a few, however, there are other reporting errors. 

Experian 's improper procedures are highly damaging to my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

An item was removed from my file due to identity theft but later on it was re-inserted back on my report ( Experian ). I was not properly notified by neither party that this was going to be re-inserted. The account is XXXX  XXXX  showing a balance of { {$820.00} }. This account was not open by me and I never benefited from this account. This negative account is killing my score and needs to be removed.
Product: Credit card or prepaid card

I am a Capital One Credit Card holder. Capital One has tried to get me to upgrade my credit card for many years. I finally decided to apply for another Capital One credit card that I actually thought I would use and for which I would derive benefit based on my spending habits. I have a credit score of XXXX as of XX/XX/2022 per Capital One XXXX XXXX credit score tracking. I was told I could submit a soft application which would not affect my credit score. It was a fraction of a second after hitting enter that I received notice that my application was denied. This seems like a deceptive practice of bait and switch. Capital One apparently wanted to steer me into a specific credit card category and therefore denied me the credit card I wanted which required a lower credit score category than the excellent score I possess. In addition, I have a substantial credit line with Capital One and offered to share this credit line with a new credit card when I first broached the subject with Capital One last month.
Product: Vehicle loan or lease

I am reporting fraud and providing information and documents to support this situation. Also I have reached out to XXXX due to this document/contract claims and shows that it was recorded through their platform and sent with security email that shows at the top of contract/agreement. Also this fake finance contract shows that Bridgecrest is not attached to the document as the finance bank provider, it shows XXXX XXXX XXXX ga, with a guy name XXXX XXXX that signed the document and also forged my signature that I never signed, Bridgecrest is reporting this fake account on my consumer report as a auto loan, which is stated as a finance credit transaction instead on the contract, also RED FLAG signatures covers over lines and the same contract can be looked up online XXXX as copy view just like the one I have been sent. This is total embarrassment I have never did business with these people and Im suffering due to financial hardship and mental abuse, Due to this situation, at this point Im reeaching out for the last time to settle this with a reimbursement with cfpb witnessing these documents and if or your refusal of corporation of law. Below is document. Also XXXX refers me to they legal team, which Im not Doing I will go to my lawyers and through subpoena, to make sure I get justice for this corporate fraud. Also I requested for the original email from XXXX and XXXX can not provide it nor can find the original document that would not have copy view all over it meaning its a template sample that any person can buy. XXXX also verified the email was pulled up but it didnt show the sender information nor it showed my information only XXXX and my name only, no email from neither me or XXXX. The whole thing was a fraud
Product: Credit reporting or other personal consumer reports

I called to get things straightened out for now the 3rd time with these people and this time around I couldnt get anyone to speak to me that had any info. The one time I was able to get someone to answer my call I was told that they would pass my message along about me disputing the case. I was told that I would get a call back when ever the person that had more info was back in the office. I never received any call nor anything in the mail. I called countless times and never was able to get anywhere with things. 

I am working on moving into an apartment but even though 2 of the 3 credit bureaus have removed this from my credit, XXXX still has not removed it and its now become a burden. The court case was DISMISSED meaning that I followed my end of the agreement, and part of the agreement was that I wouldnt owe if I moved out. I did exactly that. Nothing was ever filed saying otherwise. The one time that something was attempted to be filed the court ruled moot since we already had a signed stipulated agreement that I had complied with.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall-i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours statin the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX  ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit card or prepaid card

I received an unwanted credit card from Chase. When I contacted them, they immediately began to treat it as fraud. I suggested they look internally rather that externally for the origin of the card, as it is against the law to send credit cards that have not been requested. That suggestion fell on completely deaf ears. This the second time Chase has mailed an unrequested card to our family.