23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Hi PRA, XXXX XXXX, attorney XXXX XXXX XXXX ; ******I SPOKE WITH XXXX XXXX XXXX EX : XXXX I just got off the phone with your representatives at PRA and then got transferred to the attorney 's office of XXXX and spoke with XXXX XXXX XXXX After validating the debt with both of them, she mentioned that my personal information is all incorrect, such as DOB and my last name. XXXX XXXX at the attorney 's office mentioned that you guys have my DOB as of XX/XX/XXXX, but my correct DOB is XX/XX/XXXX and my last name as XXXX, which my last name is XXXX. I've disputed this account in the best with every, and they failed over and over again to remove it from my credit report or even furnished all the required documents. Sending me bunch of pre-printed statements doesn't truly validate the accuracy of the account. XXXX XXXX mentioned that she will flag the account and remove it from my credit report effective soon. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Product: Credit card or prepaid card

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displaying on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX Ct XXXX Ga XXXX Phone XXXX XXXX XX/XX/year> XXXXXXXX XXXX XXXX XXXXXXXX : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear Experian, I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 
Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. Im deeply concerned that my dispute may be mishandled in a similar manner.

Please review the Inaccurate Information being report : 1. Under the FCRA, you are required to : Conduct a proper investigation into my dispute.

Inform me of the results of your investigation in a clear and comprehensible manner. 
Provide me with any documentation you rely on if the disputed information is verified as accurate. 
Ensure that inaccurate or unverifiable information is corrected or removed from my credit report promptly. If the investigation concludes that the information can not be verified or remains inaccurate, I request the immediate removal or correction of this information from my credit report.
Product: Debt collection

I stayed at XXXX XXXX in XXXX XXXX with my wife Mid spring 2015. 

Without any notices in the mail, phone calls or any efforts to settle this. I noticed a bill on my credit report in collections 6 months later for a {$400.00} debt to XXXX XXXX. 

Not knowing what this {$400.00} was for i tried to reach out and they said it was for some phone bill. 

My wife and I both have cell phones and don't understand why we were charged {$400.00}. 

We paid for all our rooms at the property advance and did not use ANY minibars, hotel room service or amenities. 

I tried contacting them and they just tell me I owe {$400.00} and there is nothing i can do about it. 

I have amazing credit and this is the ONLY collection on my credit report and by far the most unprofessional organization i have EVER dealt with. 

To make matters even worse, they some transferred the debt to my FATHER who's name is XXXX XXXX XXXX and has NEVER in his entire life been to XXXX XXXX. It is not fair to me or my father to have this negative remark on our Credit Reports. 

We have both tried disputing the charge on XXXX, but years later im asking CFPB for help to resolve this.
Product: Checking or savings account

I had a business banking account with BOFA. They closed my account on XXXX XXXX. On XXXX XXXX my merchant provider deposited money in my account from my clients closed to XXXX. I asked the bank why are my deposits on hold. The first representative said she doesnt to check back in 24hrs. I checked the next morning and I saw that the rest of my deposit will be made available XX/XX/XXXX this was around XXXX my account. I checked around XXXX and I couldnt login to my account. I called the rep. said they would send me to the account closure. I said account closure why is my account being closed. So I asked the account closure rep why is my account being closed. She said the bank can close your account at any time we dont have to give a reason why. I said can I provide invoices for the verifiable transactions. I said you all didnt send even an email stating my account is closing. I said what is going to happen to my account. My merchant processor, vendor payment and personal payment was supposed to be sent today. Mind you my merchant processor sent out a payment today and BOFA allowed the deposit but I cant have access to it. So how is my account closed but still accepting deposits. The supervisor said well we can still accept deposits you just wont get them. I need this to be rectified even if i can just receive a check of my funds owned to me.
Product: Money transfer, virtual currency, or money service

I have deposited XXXX into my Gemini account on the XXXX. 
The bank transfer should have been there on the next 1-2 bank working days. 

When i wanted to check if my deposit has already been credited, i noticed, that my account got blocked and i contacted their support. The support did not answer me at all... I needed to contact one of their support agents directly through XXXX to even get an answer, where they were claiming, that they would have not received the deposit ( I have already deposited money into my Gemini account earlier, but never that much and it always worked fine ). 
After a few days i should upload my payment receipt, which i did... But since that day, they never got back to me... either on XXXX or via Email.
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. 

Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX / 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: Mortgage

I had a mortgage with XXXX. It was sold or transferred over to Nationstar. I have become past due almost three months which I hope to be able to catch up in the next 60 days because I quit my part time job to be able to cash out my XXXX so that I do n't get much further behind. I am behind on everything. Nationstar has been calling me everyday sometimes twice a day but I have not returned their calls. I received an email from them on Wednesday about a possible home loan modification assistance program. I called them finally to let them know what my situation was. I was advised to fill out the packet and return it ASAP so that I can get some type of assistance as I transition. Currently, I am looking for XXXX new jobs with the hopes of being able to earn more money so that I do n't have to file bankruptcy. I faxed and emailed the documents. The representative I spoke with on Wednesday said to call back every 4 days to make sure they have all they needed. I called XXXX times today to check to make sure they have the forms. I could n't get not XXXX person to answer the phone after making XXXX calls. I called the following numbers : XXXX ( 6 times ) and XXXX ( XXXX time ). Both numbers were listed in the email I received on Wednesday. Half the times the phone rang and stopped, then it never even rang, then it did ring a XXXX times and no one picked up, then finally I got the automated message that this was their " busy '' season and to go on their website. How are these people supposed to help me save my home if I cant even reach them? I think this is all a rouse. A ploy to make it look like they are helping poor consumers such as myself so that they can take my house from under me making it appear as if I did n't submit forms or try to help myself. I do NOT want to lose my home! I am doing everything I can humanly possible to get assistance but I cant even reach these people so what am I supposed to do? I am frustrated and afraid and scared and just want help. XXXX would not offer me any assistance when I contacted them on numerous occasions about trying to lower my mortgage payment. And now I have to deal with a company that I cant even get to come to the phone?! Please help.
Product: Bank account or service

On XXXX XXXX, 2015 I reviewed my account and notices another unauthorized charge was taken out my the XXXX request that fill out the form and submit then it will take XXXX hours to apply the money back to my. Navy Federal consently allow unauthorized withdrawal from my and they customers representatives treatment like I did when calling in to report a authorized charge. Please investigate the policy and procedures that Navy Federal uses to protect their customers from thing like this and make sure they are working to United States Federal regulations
Product: Credit reporting or other personal consumer reports

I did not consent to, authorize nor XXXX from any of the following inquiries. Block and remove them.
Product: Checking or savings account

I did not receive my direct deposit on XX/XX/year>. I called customer care on XX/XX/year> and when the automated system transferred me to a representative the call was disconnected. I called back and was on hold for an hour before I had to hang up to return to work. As of the moment of submitting this claim on XX/XX/year>, I still have not received my direct deposit in my checking account. I want a full investigation to determine why my direct deposit is delayed.
Product: Credit reporting or other personal consumer reports

I am a victim of XX/XX/XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XX/XX/XXXXXXXX - DATE OPENED XX/XX/2024
Product: Credit card or prepaid card

Synchrony Bank closed EVERY single account i had with them 10 - 12 accounts. Synchrony stated i was a high credit risk even though I have perfect credit with them. as a matter of fact synchrony owed me money. My credit and score are perfect. The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law. THIS LAW HAS BEEN BROKEN. Synchrony had no right to close my accounts. THEY CLOSED EVERY ACCOUNT NOT JUST ONE. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ohio XXXX SS # XXXX XXXX XXXX XXXX XX/XX/1967 I tried to apply for new cards with synchrony but they automatic decline. I have received 3 different reasons why they closed my accounts. I am allowed no cards with Synchrony. This CLEARLY CREDIT DISCRIMINATION AND AGAINST THE LAW. this is a violation of FCRA. Synchrony refuses to answer the question why.

***************PLEASE READ CLOSELY ************************The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law.
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/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.
Product: Credit reporting 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. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXXE XX/XX/year> XXXX XXXX XXXX XX/XX/year> 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 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

I am writing to file a formal complaint against XXXX XXXX XXXX regarding an error in reporting my credit card payment status, which has significantly impacted my credit standing. 
I had tried to make these payments via mobile however encountered issues. On XX/XX/year>, I made a payment of {$600.00} via phone payment to my XXXX XXXX XXXX credit card account for the month of XXXX and XXXX payments.The payment was processed, and I received confirmation with the number # XXXX. Despite this, XXXX XXXX XXXX incorrectly reported my account as 30 days past due for XX/XX/year> to all three credit bureaus. They also lowered my credit limit on my credit card and stated my card was 30 days past due which resulted in a negative mark on my credit report and my score dropping significantly. I have been a member for 15+ years and a credit card holder for 10 years. Service has been unacceptable and explanations were lacking. Please fix asap
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX data breach and Identity Theft. Kindly block and delete the account within 4 business days as required by FCRA 605B, XXXX USC XXXX. Please see attached FTC reports and other relevant documents.
Product: Money transfer, virtual currency, or money service

I opened a cashApp account to get payment from my renter in Illinois. I gave them my bank debit card info so the money will go directly into my bank account. Received a payment of {$700.00} into my cashApp account but the cashApp will not deposit into my bank account but instead wants me to open a credit card account to access my money. My contact with cashApp left me with no results because their biometrics can not verify me through a picture of my drivers license because I grew a mustache. They didn't require that, when XXXX setup the account and I am XXXX XXXX XXXX with a physical XXXX and they are holding my money with no recourse. I have lived at the same address for over 30 years and have excellent credit. I suspect they are holding the money to gain interest on my money. Need help.
Product: Mortgage

I purchased the property at  XXXX   XXXX   XXXX  in  XXXX , PA on   XXXX   XXXX   XXXX   XXXX   .   When I purchased the home the taxes were assessed on the value of  XXXX . I knew that was an unfair amount as property values declined significantly in the area. The previous owner assured me she had disputed this information and that I should see a reduction in  XXXX  of that yr.   I checked  the County websit e and did see that the value was reduced to  XXXX  dollar effective  XXXX   XXXX . I immediately called the lender to advise them of this information and inquire about a reduction in my mtg since this will affect my escrow.   The first lady I spoke with told me there will be another analysis in  XXXX . So, I called in  XXXX  to follow up. I spoke with a gentleman named  XXXX . He told me the analysis was opened and then, closed and no modifications were noted. He agreed this was absurd and he reopened the analysis.    XXXX   XXXX , I called to follow up and spoke to  XXXX . She also told me no modifications had been noted and she was going to look into it. She called me back to say they were working on the analysis but they never received a tax bill from m e. 1 ) I sent the most current tax bill 2 )   XXXX  told me they can acces s the County website an d he did that and attached a comment to Escrow dept so again, I am not so sure this is the hold up.   I have attempted to solve this issue myself by calling CS @  XXXX   XXXX   XXXX   XXXX  and I get the same run around. I should have received a refund check and my mtg should have gone down by now. I am asking for you assistance with this matter and to investigate any fraudulent activity on the lender 's part.   Sincerely,  XXXX   XXXX   XXXX   XXXX   XXXX  Borrower
Product: Money transfer, virtual currency, or money service

I sent a consignment with moneygram to my mother the quantity of XXXX with fees XXXX the day XXXX of the current month, but there was an issue that in the bank didnt want to give her the money because was one name missing, so I cancel the transaction whiting XXXX minutes after made, until now I havent received my refund I sent an email to the company but no one answer back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reaching out again that this is my FOURTH WRITTEN REQUEST, despite my three previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law.