23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be deleted ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

On XX/XX/2023, Apple Card Goldmans sach added a derogatory mark on my credit report ( XXXX and XXXX ) per XXXX. Upon further research, the the debtor could not provide original contract nor signatures. This account has transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. There hasn't been no written form of communication or contract for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines.According to the FCRA, Goldmans sach has violated my rights as a consumer and I am requesting legal action to remove this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX around the XXXX week I mailed off letters to the credit bureaus XXXX, XXXX, and Experian. I have been for sometime now trying to dispute negative items that I do not honestly recognize as mine and I do not know who they belong to. These companies have yet to validate their findings as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) They have yet to validate anything. Because they have broken the law I would like to process this in a civil lawsuit  against them. 

I have made several attempts to correct this matter.
Product: Checking or savings account

The facts that give rise to the claim against Banco Popular of Puerto Rico are as follows : On XX/XX/XXXX, three checks totaling XXXX ( euros ) were deposited at the branch of Banco Popular of Puerto Rico XXXX XXXX XXXX in XXXX XXXX, PR. Each check, dated XX/XX/XXXX, was for the amount of XXXX ( euros ) and was deposited into the following accounts of Banco Popular de Puerto Rico : The Banco Popular XXXX XXXX XXXX representative who assisted me contacted the Trade Finance Department of Banco Popular for advice on currency exchange. The checks were in euros, and this deposit would not be reflected immediately. They explained that they sent the checks to the collection office and that XXXX XXXX XXXX XXXX XXXX would carry out the transaction. The transaction would take about a month and a half and would cost {$75.00} for each check exchange. Follow-up was conducted every two weeks after the deposit. However, the XXXX XXXX Department has informed us that the checks were lost, and despite sending four swift messages to the receiving bank, no reply has been received. Banco Popular claims to have sent three certified letters, but they were returned due to closed offices at the bank 's address without any forwarding information. Banco Popular has indicated that the bank apparently moved to a new location. 

On Tuesday, XX/XX/XXXX, Banco Popular de Puerto Rico informed us that XXXX XXXX XXXX  XXXX XXXX confirmed via email that the three checks sent via XXXX on XX/XX/XXXX can not be processed because they are overdue. The customer is responsible for covering the costs associated with processing the checks with XXXX, which will be debited from the accounts described in the XXXX form and must have sufficient balance to cover the costs. After the collections are closed, we will send a letter to the client detailing the charges. 

We are claiming the money that was deposited in Banco Popular, which was not handled correctly due to negligence or other reasons, as described above. 

Attention : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX Your Phone Number XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX Subject : Dispute of Inaccurate Debt Collection Accounts To Whom It May Concern, I am writing to formally dispute inaccurate collection accounts reported on my credit report. Upon reviewing my credit file, I noticed the following erroneous accounts : XXXX. XXXX XXXX Opened on XX/XX/XXXX {$1300.00} XXXX. XXXX XXXX XXXX XXXX Opened on XX/XX/XXXX {$3200.00} These accounts contain inaccurate and misleading information that is negatively affecting my credit profile. I am requesting a thorough investigation into these accounts for the following reasons : Verification of Debt : I have not received proper validation of these debts. Under the Fair Debt Collection Practices Act ( FDCPA ), I request documented proof that I owe these amounts. 
Potential Errors : I believe these debts may be inaccurate, incorrectly assigned, or misreported. If the creditors can not verify them with original account details, they must be removed from my credit report. 
Fair Credit Reporting Act ( FCRA ) Compliance : If the debt collectors can not substantiate their claims, they are in violation of the FCRA, and these accounts should be deleted immediately. 

I kindly ask that you initiate an investigation into these accounts and provide me with an update on the status of my dispute. Additionally, please remove any unverifiable or inaccurate information as required by law. 

Attached, you will find copies of my credit report highlighting the disputed accounts, as well as any relevant documentation. Please communicate the results of your investigation in writing to my address provided above. 

Thank you for your time and prompt attention to this matter. I look forward to resolving this issue as soon as possible. 

Sincerely, XXXX XXXX.
Product: Debt collection

I have tried to reach Collection Bureau of America to delete this debt of all my credit reports ( XXXX, XXXX, XXXX ) for the amount of {$610.00} Back in XXXX 0f 2020. Have not gotten a response or letter showing that my debt is valid.
Product: Credit reporting or other personal consumer reports

I have attempted on multiple occasions to obtain proof of my late payment when I have never paid anything late as you can see on my credit report. I have XXXX XXXX homes and many auto loans in the XXXX XXXX XXXX and have never paid anything late. This is a reporting error on behalf of XXXX  XXXX XXXX and the credit bureaus have failed to correct it. This account is now closed and paid off but the late payment for XX/XX/year>2024 is incorrect. Please help me in getting this issue resolved so they can reverse the late payment thank you.
Product: Checking or savings account

Wells Fargo Bank has closed my account and already have used my information without my permission. Closed my account without my permission
Product: Bank account or service

After going through a two week process to clear my name with Bank of America, I decided to bring my other company over as well. After opening XXXX accounts, I went to fund them only for them to be shutdown due to the internal issue which I thought was resolved. They put all XXXX on pending close. When I called I found out the tax ID for my LLC has been attached to the internal file to be blocked. The same internal file that was overridden for my personal accounts and my corporate account which is currently in good standing. I have a merchant account and XXXX business checking accounts for my corporation and this issue should not be happening.
Product: Credit card

I have been a holder of the Verizon credit card issued by Synchrony for over a year, diligently using it to pay my monthly Verizon account charges. According to the card 's terms, I am entitled to receive 2 % back in Verizon rewards on my payments. Despite having spent over {$5000.00} with the card, which should equate to more than {$100.00} in rewards, I have yet to receive any reward credits. 
I have attempted to resolve this issue by contacting customer service on two separate occasions, yet the matter remains unresolved. This situation not only fails to honor the advertised card benefits but also undermines the trust and value of using the card for Verizon payments. 
I am writing to formally request the immediate crediting of the overdue rewards to my account based on my past spending. Furthermore, I seek assurance that the rewards program will function correctly going forward, ensuring that I receive all entitled rewards promptly for future payments. This resolution is crucial for maintaining the integrity of the Verizon credit card program and the trust of its users.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX  XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX  XXXX, has violated my rights : 15 USC 6801 ( a ) : States I have protection of nonpublic personal information.

15 USC 1681 ( a ) ( 4 ) : States I have the right to privacy.

15 USC 1681b ( a ) ( 2 ) : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c ( a ) ( 5 ) : States no consumer reporting agency may make any consumer report containing any of the following items of information and any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years.

15 USC 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. 

XXXX XXXX  XXXX Character defamation, privacy violation, identity theft, identity fraud, deceptive and unfair trade. The request to block information is based on factual misrepresentation and not on material misrepresentation. The identified transactions are not information related to any transactions by me as the consumer. Delete Entire Account Due to Confirmed Fraud, Delete Account from Bureau Due to Fraud, Have Been Confirmed as Fraudulent Item Blocked for Inaccurate, Incomplete, or Can not be Verified by Negligently Violated 15 USC 1681 ( a ) ( 2 ), 15 USC 1681 ( a ) ( 4 ), 15 USC 1681a ( 2 ) ( A ) ( i ), 15 USC 1681a ( e ), 15 USC 1681b, 15 USC 1681b ( a ) ( 2 ), 15 USC 1681b ( 2 ), 15 USC 1681c ( a ) ( 5 ), 15 USC 1681c-1, 15 USC 1681c-2 , 15 USC 1681e ( b ), 15 USC 1681g ( 2 ) ( E ), 15 USC 1681i ( a ), 15 USC 1681i ( a ) ( 5 ), 15 USC 1681n ( a ), 15 USC 1681o ( a ), 15 USC 1681s-2 ( a ) ( 1 ), 15 USC 1681s-2 ( a ) ( B ), 15 USC 1681s-2 ( b ), 15 USC 1666B, 15 USC 1692c ( a ), 15 USC 1692c ( c ), 15 USC 1692e ( 8 ), 15 USC 1692g ( b ), 15 USC 6801 ( a ), and 15 USC 6802. 

I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date.
Product: Debt collection

I was never notified of the debt I owed and am not sure what the debt is for. A derogatory mark was noted on my credit report and XXXX XXXX sent me an email of such. I looked on the XXXX XXXX site and found the company listed is Caine and Werner and I owe {$100.00} but I don't know what this debt is for or who it is owed to. They have not contacted me to notify me of this situation. Their contact information is : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
Product: Mortgage

Ditech Financial LLC recently purchased my mortgage and I 've had many problems w/ them from the start. My 1st payment w/ ditech was due on XXXX/XXXX/2015. I tried to set up my online account w/ them but was unable to do so. I called and they said since my account was new I had to wait about 2 weeks in order to get a user name and password. Since I was within the 60 day transfer window I figured I 'd just wait until I could set up the online account and do an ACH transfer. I continued to get hounded by their collection dept all month. Now it 's around XXXX/XXXX/2015, I try to set up my online account and am told the service is down for some reason. Since I was still within the 60 day transfer window I told them I would make a double payment on XXXX/XXXX/2015. The rep at Ditech argued w/ me saying he 's never heard of a 60 day transfer window. The collection dept continued to call. I found it odd that they would call my workplace before calling my cellphone. I do n't want my co-workers thinking I 'm some sort of deadbeat. 

So I finally get registered online w a user name and password. I went to set up an ACH transfer and the website did not allow me to do it. So I had to call in to Ditech. I was supposed to make 2 payment for a total of {$2900.00}. Ditech tried pulling out {$2900.00} three times which resulted in overdraft fees, lots of phone calls, and lots of irritation. When I set up the ACH transfer on the phone i was told I would not be charged to {$12.00} convenience fee, but I was actually charged it twice. They said they would refund the overdraft fees and the convenience fees but I have n't seen it yet, going on close to a week. 

According to Ditech my account is past due, not sure what this is doing to my credit score ... 

Ditech seems to be an aggressive debt collector and not a mortgage servicer ...
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, YOU BROKE THE LAW!!!

Pursuant to 15 USC 16814 ( a ) ( 1 ) the banking system is dependent upon fair and accurate credit reporting information. This inaccurate information was furnished, and I was not notified when during the investigation process.

Pursuant to 15 USC 1681 ( a ) ( 1 ) This grave error undermined my confidence in your companies procedures, and as a result of this I will no longer extend credit and want these items removed IMMEDITLEY. 
Pursuant to 15 USC 1681 ( a ) ( 2 ) Your company is a powerhouse elaborate mechanism. This mishap that your company has caused has ruined my reputation, and it has adversity my credit worthiness.

Pursuant to 15 USC 1681 ( a ) ( 3 ) Your company assumes this role. You were not given permission by me, the consumer, or a competent court of jurisdiction. Not only did you fail the initial investigation of this information, you also assumed this role, and assumed this information was valid. Which is a violation of my consumer rights.

Pursuant to 15 USC 1681 ( a ) ( 4 ) You did not insure the information is accurate and you did not exercise your grave responsibility with fairness and impartiality. You took one side of the story, never consulted with me to find out if this transaction even took place. As a result of this my privacy was breached, and violated my right to privacy. 

Pursuant to 15 USC 1681 a ( d ) ( 2 ) ( a ) ( I ) Congress makes it clear that a consumer report should not include transactions between the consumer and the person making the report. The alleged transactions that you are reporting are false and have failed to investigate, weather or not it factually took place between the consumer, and the person making the report. Which means it should not be included in my consumer report and in fact is a violation of my consumer rights.

Pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) In the initial investigation I was never given the opportunity to deny this information being communicated on my consumer report. This is in fact another violation.

Pursuant to 15 USC 1681 a ( B ) Any authorization of a specific extension of a credit or credit card or similar device should be excluded from my consumer report. This alleged transaction that your company clearly did not investigate is categorized as a transaction that was issued from a credit card. Credit as defined as 15 USC 1602 ( 1 ) Therefore I am requesting IMMEDIATE REMOVAL OF ALL Negatives ITEMS FROM MY CONSUMER RFEPORT
Product: Credit reporting or other personal consumer reports

Consumer Name XXXX XXXX XXXX XXXX XXXX XXXX  Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an Auto Loan account opened at XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number ( XXXX ), aXXXX XXXX XXXX XXXX opened at XXXX on XX/XX/XXXX under the account number ( XXXX ) These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXX XXXX XXXX XXXX XXXX  as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Payday loan, title loan, or personal loan

I applied for a {$500.00} loan and ended up paying over {$1000.00} for that same loan yet they are still harassing me to pay $ XXXX for something I already paid off. I have all Of my bank statements
Product: Credit card or prepaid card

while applying for a credit card from bank of America, the girl i was talking to did not ask me for the routing number of my checking account. when i made a payment by phone of XXXX my bank would not accept the payment. after calling bank of America again and giving them my bank routing number and also my checking account number, i made a payment of XXXX i have my bank statement showing that XXXX was withdrawn from my checking account on XX/XX/18.the bank of America cash rewards credit card company keeps charging me the XXXX on my statement that is due on XX/XX/18. i spoke to a company rep. on XX/XX/18 who told me this problem was taken care of and the bill was paid. i can prove that the bill was paid and would like to have the credit card company stop sending me this bill.
Product: Credit reporting or other personal consumer reports

It looks like you want to dispute a debt listed by IC System on your credit report. Heres a sample dispute letter you can use : [ Your Name ] [ Your Address ] [ City, State, ZIP Code ] [ Your Phone Number ] [ Your Email ] [ Date ] IC System, Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Subject : Debt Validation Request Account # [ Your Account Number ] Dear IC System, I am writing to formally dispute the validity of the debt listed under my name on my credit report. According to the Fair Debt Collection Practices Act ( FDCPA ), I request a full validation of this debt, including : 1. Proof that I owe this debt, including a copy of the original signed agreement or contract. 
2. A full breakdown of the amount owed, including principal, interest, fees, and payments made.

3. Verification that IC System has the legal authority to collect this debt.

4. The name and contact information of the original creditor.

Until I receive proper validation, I request that this account be marked as disputed on my credit report. Additionally, if IC System can not validate this debt, I request its removal from all credit reporting agencies. 

Please provide this documentation within 30 days of receiving this letter. If you fail to provide proper validation, I will pursue my rights under the FDCPA and Fair Credit Reporting Act ( FCRA ), including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and relevant state authorities. 

Please respond in writing to the address listed above. 

Sincerely, [ Your Name ] Make sure to send this letter via certified mail with a return receipt for proof. Let me know if you need modifications!
Product: Checking or savings account

I deposited {$250.00} on XX/XX/01 to open a savings account and received a text from the bank at XXXXXXXX XXXX  that day acknowledging my application. 
Application ID XXXX. THEN XXXX  since and I have spent hours demanding the return of my deposit as no savings account was opened. 
Numerous bank reps refused to escalate this issue and I was lied to numerous times. Only after I posted on U.S.Bank XXXX page weeks ago was this escalated.

My deposit was stolen
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I requested to have this account closed and brought the balance to XXXX  to allow the bank to close it. As requested, PNC did not close the account and cause it to accumulate {$25.00} fees for two months, then they decided to closed it and send it to collection. They never bother to call me about this. 

This affected my credit score. I am about to refinance my home this damaged my score. My credit score was over 800. 

I asked them to close the account in writing, through the messaging system. It's unacceptable they denied my request and allowed fees to accumulate. 

I want them to grant my previous request in writing, through the messaging system, to close the account, the request was done before the account collected any fees, then, they need to correct the derogatory remarks on my credit score.
Product: Debt collection

The account was for a security system. XXXX Account XXXX I tried to pay the amount owed, however they said it had been turned over to Southwest Credit.  When I contacted Southwest Credit they said they did not have a file on it. 

So I tried again to pay XXXX Account XXXX. I have emails that I sent attempting to pay. I also have screen shots of where I attempted to pay online, but was they would not take payment. 

I was contacted by someone from Southwest Credit after a couple of weeks of not being able to pay XXXX directly. 

I told them I would pay, if they would change the negative report. The lady with Southwest Credit was extremely rude, and I told her that I would pay the amount but I wanted the negative information on my credit taken off since I attempted to pay before it was turned over to the Southwest Credit agency. It took them over two weeks to even verify that they had the file. 

This was for a XXXX security system that we have never used. The salesperson told me that we could cancel at anytime, and that it was a two year contract. XXXX was a 5 year contract ) I could not see the small print, so for that I am at fault for trusting the XXXX representative. 

I am unable to add the screenshots and emails from your website. The dates were XX/XX/XXXX through XX/XX/XXXX. I was not contacted again by Southwest Credit, for 2-3 weeks after I contacted them  regarding the file. They said they did not have file during this entire time, and XXXX would not take payment because they said they had turned over to Southwest.