23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX is reporting a debt that is a result of fraud. I have made the original creditor as well as the collection agency aware of this fact. I also took the necessary steps to file an identity theft report with the FTC and forwarded to all 3 bureaus and the account holder. Yet they continue to report this negative and harmful item on my credit report. the balance, status, and payment history is inaccurate and I'm not responsible for paying a debt amount I did not add or owe. They have not updated my account properly and I'm to the point where I don't know what else to do to clear this up. i know it's a violation of the FCRA to report any information that is inaccurate, incomplete, or unverifiable. This account is all of above. the only thing they can prove is that someone assumed my identity to open this account and forged my name on whatever contract that was formed
Product: Credit card

I submitted a dispute in writing with Synchrony bank as in accordance with their billing dispute process and supplied evidence for my case. They initially received it and attempted to process it. I called them to get a status update only to learn they refused to process it because of their errors and insisted I have it reprocessed. They destroyed my legal evidence and made me answer questions all over again as I answered them on paper.My rights are being violated under regulation Z for failure to process a charge back and willful destruction of my case evidence. I want civil and punitive damages pursued as my credit is being abused. My phone is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This fraudulent address is showing up on my credit report. 

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

XXXX XXXX is violating of my rights as a consumer, they have not validated the debt but continue to report to the credit reporting agencies FDCPA Section 809 ( b ). Also, they are in violation of FDCPA Section 807 ( 8 ). 

Telling me that the account was opened with a valid contract is not validating a debt. Where is the contract?
Product: Debt collection

I was written a check from my former room mate to cover her rent and I wen to ACE check cashing to cash this check. The check was bounced and now Ace is calling me to pay the money back. Its beginning to be harassing and takes minutes from my phone with each call they call at least three four times a day. I dont think I should be the XXXX they go after regaurding this matter it should be the person that wrote the check. I live on a fixed income and I feel like a victim in this case I am loosing minutes and i only have a government phone I use it for my doctors because I have a life threatning illness. I just lost and wish the calls stop.
Product: Credit card or prepaid card

Was completing a purchase on the XXXX XXXX website and it stated I was pre-approved for a credit card and could take 20 % off my purchase today. I clicked on the link which directed me to XXXX XXXX to complete a short application. I was approved for the XXXX XXXX VISA credit card and it stated to click the link to return to XXXX XXXX to complete the purchase and receive the offered discount for getting the card. The link did not work and provided an error message. I called XXXX who said they could not help or provide me the account number to complete the purchase and receive the discount that was offered that day for opening a card. They advised I would have to wait for the physical card to arrive in the mail then make the purchase and call them to get the 20 % discount. They sent me the card in the mail and I was was about to make the purchase and find out the card was shut down. I would have never opened the account if they had not offered the discount for applying during the checkout from XXXX XXXX and saying I was pre approved and it would all happen instantaneously. Now I have a hard pull on my credit bureau and also no discount for my purchase or a open credit card. They lured me with the pre approval and discount and did not follow through. I want the hard pull removed as they lured me to apply under false pretense.They are in breach of the initial contract which allowed for purchase and discount during checkout on a pre approved card that I was approved for and the link to complete the purchase did not work.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is inaccurate and incomplete and still appears on my credit report. 

Inaccurate Date of Last Active, while the Date of Last Payment is missing on the report. if this is a charge-off account then why there is a balance reported on this account? 

I have previously filed numerous disputes against this account, yet it still indicates that the account is not disputed.
Product: Credit reporting or other personal consumer reports

Your credit reporting agency has been consistently providing inaccurate and incomplete account details to my credit file. I am deeply concerned about the presence of these inaccuracies within my credit profile. It appears that your reporting agency has not implemented effective procedures to ensure the highest level of accuracy in the credit information it reports. This lack of diligence may expose your agency to potential liability under 15 U.S.C. 1692g, specifically concerning the validation of debt. 
Additionally, referencing the legal precedent set in XXXX XXXX XXXX XXXX XXXX XXXX  ( D. Ariz. 2018 ), your reporting agency could be held accountable for engaging in false reporting. It is imperative to adhere to credit reporting laws, which mandate that bureaus only report credit information that is entirely accurate. 


1. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate. 
XXXX Account Number : XXXX This account is closed with a paid balance. This is falsely reporting. Please delete as i have taken steps to seek litigation. 
2. 15 U.S Code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies XXXX XXXX Account Number : XXXX This Account is inaccurate and Im seeking litigation please delete at once. 
3. 15 USC 1681b ( a ) ( 3 ) ( a ) XXXX Account Number : XXXX This account is inaccurate, please delete or pay fine of {$1000.00} per violation. 
4. 15 U.S Code 1681q. Obtaining information under false pretenses XXXX XXXX Account Number : XXXX This account is inaccurate, please delete or pay fine of {$1000.00} per violation. 
5. 15 U.S Code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies XXXX Account Number : XXXX If you are unable to verify the accuracy of this account, then please update it to show that it is paid as agreed and is never late.
Product: Mortgage

Dear CFPB I submitted a short sale to my lender which they informed me if sent 14 days before the foreclosure sale date, they would review but there are telling me now they can not review. Attached is my fax confirmation with proof of my short sale submission
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 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 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 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 XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

My family was looking to purchase toy poodle puppy and we found one on a website called XX/XX/XXXX. We found a puppy we liked and they had me fill out a form to contact me. The next day someone texted me claiming to be the dog 's owner and worked out the arrangement for the sale. I XXXX 'd the man a {$500.00} payment and a {$310.00} payment and they sent me a tracking number and everything and said my puppy would be delivered the next day. Wells Fargo is refusing to help me, even though I XX/XX/XXXX through my Wells Fargo app. Please help and ensure this terrible scam doesn't impact anyone else.
Product: Checking or savings account

I considered opening a CD with USAA ; as I was going through the process I started getting presented with numerous consent forms. I became uncomfortable with what I was being " required '' to consent to so I decided to cancel the process. None of the consent forms appeared to provide an option to cancel so I navigated back to my account summary page. When it loaded, I noticed USAA had already withdrawn the funds for the CD from my account. I immediately contacted USAA customer service and explained the situation. I was told I needed to call back in seven days because my funds were locked and there was nothing that could be done. The following day I received a notice from USAA that I needed to sign additional forms and return them, and until I do so, any interest on my account would be directed to the IRS. This is directly from the noticed I received : " Your new Certificate of Deposit, or CD, account has been placed in backup withholding until we receive a signed Tax Certification W-9 Form. When placed in backup withholding, the IRS requires us to send them the applicable percentage of interest, rewards and incentives earned on all your accounts. '' A CD account should not be created, nor funds transferred from a customer account until all required forms have been received. Receiving an email stating I needed to submit forms indicated I didn't complete the process and the funds should have never been transferred. 

Today, XX/XX/2023, I contacted USAA as instructed to request the funds be returned. I again explained the situation and was told that the " agreement '' to open the account had already been signed and submitted so there was nothing they could do without me paying penalties to transfer the funds back. I was told to do so would violate Federal law. I explained that I had been presented with a series of consent agreements which I didn't complete so the funds should have never been transferred until I agreed to all consent forms. I was told that once I navigated into the series of consent agreements, I had already " agreed '' to open the CD account, despite not consenting to all of the agreements. The workflow process of the website is very deceptive and misleads the customer because funds should have never been transferred until all consent agreements have been agreed to by the customer. It seems as though the website workflow process has been intentionally designed to commit customer funds in a misleading manner.
Product: Student loan

I have a loan servicer ( American Education Services ) that is trying to charge me {$130.00} a month starting in XX/XX/XXXX. My payment has always been under {$30.00} a month for the 10 plus years that I have been making payments on the interest for my student loans. I make only {$25000.00} a year at this time. I have another student loan that I will be paying on in the next couple of months and I am worried that I will be paying even more per month. I received some pension money ( lump sum ) from my former employer in XXXX, which was used to pay my car off and other debts. I still have credit card debt around {$8000.00} dollars and I help my mother pay for her medicines because they are higher now. I have a full-time job, but I am still struggling due to higher food and gas prices. I don't feel that AES is treating me fairly.
Product: Credit card or prepaid card

Synchrony Bank, XXXX XXXX, XXXX, FL XXXX is as of XX/XX/2018 charging me {$64.00} in late fees and {$2.00} in interest for nonpayment of a disputed charge for {$74.00} bringing the total they claim I owe on my closed account to {$140.00}. The same day I saw the {$74.00} charge ( pending ) I contacted Synchrony Bank to dispute the charge and was advised to contact the merchant. I immediately contacted the merchant and was told I could not have any information on the charge because I was not authorized on the account. I recontacted Synchrony Bank with the results and was told I could do nothing until the charge cleared and then I could dispute the charge so I immediately closed the account and paid all but the disputed charge amount. Once the charge posted I mailed a dispute ; I received a non-favorable decision and called in a second dispute ; I received a second non-favorable decision. The charge in question was made from an account of an ex-roommate that had been an authorized user on my Synchrony Bank credit card but who I had unauthorized when she moved well prior to the disputed charge of {$74.00} and whom I had no contact with to resolve the issue. For this reason I claimed and continue to claim the charge was not authorized ; that I was denied power to stop the processing of the charge by the merchant, claiming I was not authorized on the account, and Synchrony Bank who would not take any action on the pending charge. This is clearly an unauthorized charge and I am being harassed and intimidated with huge late fees to coerce payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I have 6 hard inquirys. that are on my transunion report. I have disputed these inquirys with the companys and with Transunion and they refuse to remove them. these are not attached to any accounts. they are making it hard for me to get approved for credit. these are the inquirys. 


XXXX XXXX XXXX/ XX/XX/XXXX XXXX/ XX/XX/XXXX XXXX/ XX/XX/XXXX XXXX XXXX  / XX/XX/XXXX XXXX XXXX/ XX/XX/XXXX XXXX XX/XX/XXXX/XX/XX/XXXX
Product: Debt collection

I pulled my credit report recently and noticed a collections account from XXXX that Debt Recovery Solutions is handling for {$220.00} opened XX/XX/XXXX. I dont remember having service with XXXX in XX/XX/XXXX.
I do remember having service in XX/XX/XXXX for a brief time. When we had the XXXX XXXX service in XX/XX/XXXX, our home flooded and the electrical caught on fire. We had to move into a place with a friend while we found a home for ourselves. We lost almost everything in the flood and the fire did a lot of damage to our home. I had to be hospitalized for a short period of time due to complications with my existing condition as a result of the XXXX I had. When I came out of the hospital, going through the process of calling Insurance, gas, electric, and so forth, I called XXXX XXXX and canceled services and specifically advised that I was going through this XXXX XXXX  because of almost losing everything in our house. I remember having to call several times because I kept receiving a bill for services that I did not have. Every time I called, I was advised that the services were no longer connected and one agent, for whom I do not have information for, advised me that I didnt owe anything and that they would send me boxes for the equipment. The boxes never came and if my memory serves me right, I even filed a complaint because I could not get you all to send me the boxes.
After I sent the equipment back, I called to confirm the receipt of the equipment and was told that you had received it and that I did not owe a balance on the account. After that, I never heard from anyone until I pulled my credit report and saw this. This is unfair. You charged me for services that we did not have or could not use because of the flood and fire. This is taking advantage of customers during a rough time to make an extra buck. Now you have added it to my credit report which is going to prevent me from continuing to get back on my feet. The sad part is, my husband and I still get solicitation from you for XXXX.
I want the collections removed as I tried to cancel the services but it seems that XXXX took advantage of me and kept charging me. I was also told that I did not owe anything by your agent. The fact that I told you all what we were going through, seems that that gave more leverage to XXXX to take advantage of the situation especially because of my XXXX/medical condition. It also feels like bait and switch where I was told my services were canceled and that I dont owe anything but now you all are changing it on me and slapping me with a collections account. I want this removed ; its {$220.00}! Not, $ XXXX! I am also notifying the FCC, my State Attorney General, CFPB, State Corporation Commission and other agencies to show how XXXX, and Debt Recovery Solutions, takes advantage of people when they are dealing with a hard situation, when people are the most vulnerable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX XXXX {$690.00}
Product: Credit reporting or other personal consumer reports

This XXXX, I was shocked to see inaccurate accounts appear on my credit report for no reason. I check my report regularly, and this time there were unexpected discrepancies. I tried refreshing the page, thinking it might be a glitch, but the incorrect information remained. Now, I just want my documents thoroughly reviewed so I wont have to deal with this kind of worry again.
Product: Debt collection

Sent letter to validate. 2 times no reply after 2 months
Product: Mortgage

I received a letter from my mortgage company Mr Cooper dated XX/XX/2020. This letter came as a result of me paying my taxes late in XX/XX/2020. The attached letter states that " they may require escrow '' for taxes on my account. " In order to avoid creation of an escrow / impound account, you must act within 30 days from the date of this letter '' " If payment has been made, please forward a copy of the front and back of your cancelled checks or copies of the paid receipt ( s ), along with the coupon located on the next page, within 30 days from the date of this letter ''. Well within their 30 day requirement on XX/XX/2020 I emailed Mr Cooper, using the email address they provided, with the required documentation confirming my taxes were paid as well as the late payment assessed to me by the county. You can see the Late Payment Receipt in the attachment is dated XX/XX/2020. This email is time stamped in my computer so there is no dispute as to when I emailed Mr Cooper. I sent this email well within Mr Cooper instructions of 30 days from the date of their letter. I followed Mr Cooper 's instructions yet Mr Cooper forced Escrow to my account. I have made several phone calls to Mr Cooper requesting that this situation be resolved and XXXX be removed from my account. Today is XX/XX/2020, 6 weeks after I emailed Mr Cooper with the documents they required, and I was told by the " escalation '' representative that my account will more than likely be forever escrow 'd. The Rep told that other customers were forced escrow for being {$3.00} late and that account was denied resolution.
Product: Money transfer, virtual currency, or money service

I have multiple charges taken out of my chase account and they aren't authorized nor do they show as completed transactions on my XXXX XXXX. I have done everything I can to try and get my temporary refund that I was promised so that I may pay my bills which are now all past due and have charge back fees, penalty fees, and late fees as a result. Not to mention ruining my credit over this. Not only do I keep getting lied to by the representatives in the claims department of chase about my claim, I also keep getting lied to about my replacement debit card
Product: Credit reporting, credit repair services, or other personal consumer reports

I Recognized fraud inquiries on my account, and would like them removed. I have filed complaint with XXXX and have recieved FTC report. The following inquiries are from XXXX, and Transunion. 

XXXX : XXXX XXXX - XX/XX/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 - XX/XX/XXXX Transunion : XXXX - XX/XX/XXXX XXXXXXXX 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