23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

None of the reporting agencies XXXX Equifax or XXXX XXXX have been reporting efficiently on all three reports. There are agencies unrecognized claiming to collect debts that don't belong to me and there's inquiries that i did not consent to. Pursuant to the fair debt collection practices act 15 United States Code 1692, all collections that don't contain original signatures and consents need to be removed from my credit. No agency has been able to send proof of obligation to pay. According to 15 US code 1681 ( c ) 2 all charge-offs need to be removed from my credit immediately according to 15 in US code1692 and 1692 ( g ) all collections you need to be removed without original consent and signatures and according to 15 U.S.C 1681 b ( 2 ) ,15 US Code 1666 ( b ) and 15 US code 1637 ( a ) all late payments need to be deleted off my credit report immediately and any and lastly under 15 US code1681 ( n ) all hard inquiries must be removed from my credit immediately. All three bureaus have refused to update their information so that they all reflect the same information and that is against the law and needs to be removed so that all three bureaus reflect the same information. The bureaus refusing to make these corrections constitutes as willful ignorance and Civil Liability for Willful Noncompliance underneath U.S. Federal law and has grounds for penalties of {$1000.00} per each violation not corrected under U.S.Code 1681 ( n ). I have contacted all the bureaus and agencies and have requested that all these charge offs and negative marks be removed, but the bureaus have willfully non complied under The False Claim Act 31 U.S.C. 3729
Product: Debt collection

I have debts from XXXX to XXXX with Comenity Bank, XXXXXXXX XXXX, and XXXX XXXX, that I know nothing of. I would like to get these off my credit file, because they are ruining my credit score.
Product: Credit card

I have automatic payments setup on my credit card accounts for the minimum amount so that if anything happens and I can not make the payment I do not have a missed payment. This is true for my Chase credit card formerly ending XXXX. I also manually make a payment for the difference in the statement balance and the automatic minimum payment. This ensures that I will not incur any interest fees. My account was flagged with a fraud warning and I had to verify charges with Chase. Upon reviewing charges I realized that Chase is not consistently processing my automatic payments. They are processing my manual payments consistently. This results in the statement balance not being paid in full every month and the Chase credit card account has been incurring interest charges since XX/XX/scrub>XXXX XXXX XXXX
Product: Debt collection

Hi! I received two letters from Alpine Credit Inc..t/n/f XXXX XXXX XXXX XXXX  recently. Both letters have my incorrect address number and both say I owe a different amount to XXXX XXXX XXXX. No address date is provided as when these two letters were written. 

I was in the hospital last year for an infection, and after checking with my insurance provider, XXXX XXXX, I do not have any outstanding claims.
Product: Bank account or service

Naval Federal Credit union fail to pay bill as though their bill pay service as agreed resorting in my credit going bad they told me they was going to depute the reporting to each reporting company and did not also was to send me a copy of what they did and have not done so this was done to hurt my credit and then refused to help resolve the issue they made and lied about it which is why they did it intentionally They resent me letters to send to the bill of company 's they did n't pay instead they need to send them to company 's them self instead of sending them to me They need to fit this mess, the y told me they had sent a letter to the report company 's and did not, the left my account as if payments were being made instead my bills became slate and late fees was charged they claim it was due to fraud activity in my account but some the bills was paid and some was not if was do to fraud activity why was some bill was paid and some was not, the money has left my account so where did it go I have asked the question before to date no answer. They lied about what happen and did nothing to fix it and lied about the cause, I want to know where my money went. And they correct my credit I get approve for nothing the refer to the late payments caused by Navy Federal Credit Union.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

These addresses don not belong on my credit report.
Product: Mortgage

I attempted to make a payment with wellsfargo for XXXX to complete my payment for {$300.00}, instead they took XXXX out and then are telling me that I authorized the payment for {$2200.00} not {$300.00}. Wells Fargo will not let me listen to the phone call. Instead, they are telling me that I authorized this an I did not. They have overdrawn my account, they will not allow me to listen to the phone call with out an attorney. My account will be in default as a result of this, and they are blaming me. I called in good faith to attempt to make a payment and Wells Fargo made a mistake
Product: Student loan

I have been set up to repay based on income several times and it always seems that either paperwork does n't get mailed to me for deadlines, payments have been taken out twice, payments have n't been taken at all resulting in me having to start over in the rehabilitation programs, I was hounded before I even graduated, and they are saying I owe way more than borrowed. My student loans are double the cost of what school was supposed to cost me.
Product: Credit card or prepaid card

I purchased a trip through XXXX in XX/XX/2020 for XX/XX/2020. COVID-19 hit and I had to cancel the trip in XX/XX/2020. XXXX  sent an email stating they were refunding the {$1300.00} for the trip but were unable to refund for the flight. Later that same day, XXXX placed a disclosure on their website stating they were cancelling all reservations and that people would need to get a refund from their credit card. I filed with the airlines who sent the refund to XXXX. So I filed a dispute with Citibank to get a refund for the flight. While talking to Citibank, I was told to only dispute the airline claim and to wait for the XXXX refund. I was told that I could change the dispute amount later if I did not receive the refund from XXXX. This was a lie. After numerous calls ( at least 7-8 in a little over 2 month span ) and repeated statements from various departments and personal in Citibank, I was repeatedly told they would change the amount for me. I eventually became frustrated and withdrew my dispute so I could change the amount and get a full refund. A new manager was very hateful to me on the phone and said they could not do anything because I withdrew my dispute. I was NEVER told that once a dispute is withdrawn, it can never be reopened. I filed a complaint with CFPB on XX/XX/2020. On XX/XX/XXXX, Citibank responded with an email basically stating they knew they lied to me in the beginning, but it was my fault for withdrawing the dispute. They did decide to give me a refund of {$450.00} out of the {$1300.00} because I am a " valued customer ''. I have responded twice to the email on Citibank letterhead ( XXXX ) and they have never bothered to answer me. I stated that I while I appreciate a partial refund, I don't feel like that is enough. I was lied to at the beginning of the dispute and repeatedly for months. Citibank stated in the claim that they knew I was lied to. So how to do they come up with a number that is not even half of what I lost. Had I known from the beginning that a dispute could not be changed or withdrawn, I would have filed for the full amount. I was trying to be honest and not file for the full amount with Citibank when I thought I was getting a refund from XXXX. Apparently Citibank does not feel like they need to be honest or they should take any responsibility if they are dishonest. Now I am out {$940.00} on a vacation that I was not able to take because a corporation does not feel like they have to live up to their word.
Product: Vehicle loan or lease

In XX/XX/XXXX I needed a better car to go to work. I went to XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX, CA, in XXXX XXXX XXXX XXXX offered me a XXXX XXXX XXXX and it was used. The car was in good shape and we proceeded to do the paper work. I was approved for a loan from Capital One Auto Finance for XXXX dollars a month and for 6 years. The car dealership said I could apply for a lower interest rate after one year and I went for it. I had a great job and I could afford XXXX a month with a high interest rate approximately 26. But when my mother became ill and I had to travel more often to visit and help out with her rent things got complicated. I struggled to pay this car. I called the company several times and they did help by extending my payments, but never with lowering payments or bringing down the interest rate. When my mother passed away I had to step down from work because I had a melt down. I got behing on the payments. I called the company again to lower the payment and this time they helped me with lowering my payments to XXXX dollars. And the interest rate was lowered to 17.92 %. Only {$48.00} was lowered. Capital one also extended my payments for 20 more months. I had no choice but to accept this offer. They said I would fall eventually into repocession. I had no more options.No bank could help me with my bad credit. I feel deceaved from the XXXX XXXX and Capital One Auto Finance. These car loans with high interest rates as high as credit cards are unacceptable and My original loan was for {$15000.00}, open date XX/XX/XXXX, I have paid {$17000.00} in total interest, {$9300.00} total principal paid. Now its in repocession and I feel I should pay them nothing!!!!! not one more penny. This car is mine and XXXX XXXX and Capital ONe Auto Finance take advantage of people. It needs to stop and I want money returned back to me for all the deception these two companies have caused me.
Product: Checking or savings account

On Friday XX/XX/XXXX {$43000.00} in cash was deposited in XXXX of XXXX dealership 's account for a car payment but until today ( Thursday XX/XX/XXXX ) the car dealership is still unable to see the funds in their account. Citibank ( branch of XXXX ) is the location where the money was deposited and 6 days later the money is still not available.
Product: Checking or savings account

Account was hacked I turned in my documentation from numerous of sources claim still got denied
Product: Credit reporting or other personal consumer reports

Demand for Immediate Removal of Inaccurate Collection Account and Compensation To : Consumer Financial Protection Bureau ( CFPB ) Date : XX/XX/2023 Re : Inaccurate Collection Account - Immediate Removal and Compensation Demanded I am writing to express my outrage and demand immediate action regarding inaccurate collection account ( s ) falsely listed on my credit report. These accounts, originating from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXt are unauthorised and violate the Fair Credit Reporting Act ( FCRA ) and other applicable laws, including the fundamental principle of privity of contract. 

Specifically, these accounts violate : Privity of Contract : I have never entered into any contract or agreement with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and therefore they have no legal basis to claim any debt from me. This fundamental principle of contract law makes the inclusion of this account on my credit report entirely illegitimate. 

FCRA Section 607 ( a ) ( 1 ) and ( 2 ) : Consumer reporting agencies obligation to maintain accurate, complete, and up-to-date information. 
FCRA Section 615 ( a ) ( 1 ) : Debt collectors ( data furnishers ) obligation not to furnish inaccurate information to credit reporting agencies. 
FCRA Section 621 : Potential liability for failing to comply with the FCRA, including actual damages and a penalty of $ XXXX {$1000.00}. 
15 U.S.C. 1681i and 1681j : Credit reporting agencies ' obligation to ensure maximum accuracy and their potential liability for non-compliance. 
Fair Debt Collection Practices Act ( FDCPA ) and Rosenthal Fair Debt Collection Practices Act ( RFDCPA ) : Prohibitions against selling or purchasing illegitimate debts. 
Federal laws : 18 U.S.C. 1341 ( Mail Fraud ) and 18 U.S.C. 1343 ( Wire Fraud ) regarding deception and fraud. 
I have never had any dealings with the above persons and have not granted them permission to access my name, likeness, or credit data. Their inclusion of this account on my credit report constitutes a reckless disregard for my rights, a clear violation of the law, and a fundamental breach of the principle of privity of contract. 

I demand the immediate : Investigation of this matter by the CFPB. 
Removal of all inaccurate collection accounts from my credit report by XXXX, XXXX and TransUnion. 
Compensation for my time and effort spent disputing these illegal accounts. 

Failure to comply with these demands will force me to pursue all legal avenues available to protect my rights and seek full compensation for the damages I have suffered. 

Thank you for your prompt and serious attention to this critical matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

On XXXX XXXX I filled a dispute with chime for unauthorized transactions. I got robbed and assaulted and police is investigating this. On XX/XX/year> I received an email for chime is less than XXXX hours chime stated they concluded the investigation and none error was made. Not to note that in the past I also had an issue with an atm dispensing the money and also disputed with chime and received the same email in less than XXXX hrs. Chime is obviously not complying with bank regulations and is not completing investigations and instead chime is denying disputes using their own criteria. I request an internal investigation against chime! I would be also looking for an attorney to start legal actions
Product: Debt collection

Ive just paid for a copy of my credit reports, and reviewed my credit file as is being reported with XXXX, XXXX, and XXXX  credit services, and noticed there are several inaccurate accounts and/or items on my report. This means that the below listed accounts were not opened by me, and that I did not profit from these accounts having been opened. As per section 609, I am entitled to see source of the information, which is the original contract that contains my signature.
Product: Mortgage

I was quickly and thoroughly pre-approved for a 15 year mortgage on a used RV. Once I identified the RV, I submitted all information requested to complete the loan. Since then, I 've had zero communication from them despite repeated email and phone messages. As a result, I lost the RV I was pursuing and the deposit ( $ ) I placed on it. I have XXXX credit and was pre-approved.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017 I placed a fraud alert and the number I have on fine is the wrong one so when I called to updated they did update it and now that am checking they did not the right number should be XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph XXXX, XXXX XXXX ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph XXXX ). 

A dispute was submitted on XX/XX/2022 to XXXX, Equifax and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act
Product: Debt collection

XXXX XXXX XXXX has contacted my number on three separate occasions without my explicit consent, and I have not engaged in any business dealings with this company. On XX/XX/2024, I formally requested that they cease and desist from further communication.
Product: Debt collection

I recently checked my credit report ( XXXX and XXXX ) and found that Diversified Consultants based in Florida had acquired a collection account placed by XXXX XXXX ( Cable Company ) dated XXXX 2017. I have never had an XXXX XXXX account, and/or applied for anything related to that company. 

Several attempts to correct this issue have met with negative results, please advise on what action I may need to take Thank You,
Product: Checking or savings account

This is a follow up from my first complaint. I worked with XXXX at the XXXX XXXX of TD Bank. His information follows : XXXX XXXX | Sales and Service XXXX | XXXX | NMLS # XXXX TD Bank, XXXX 's XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX T : ( XXXX ) XXXX | F : ( XXXX ) XXXX Luckily I had money to cover the shortage and supposedly the bank covered everything, see below email regarding the {$17000.00} that was illegally put on my account : On XX/XX/2023 XXXX XXXX EDT XXXX, XXXX XXXX XXXX XXXX wrote : It should fall off tonight in overnight processing- the check was already returned back to XXXX 's account so there really isn't a hold on it. Unfortunately there isn't a way to expedite that off the app because it's done by our back office team in overnight processing. I did the math for you though and it checks out. After XXXX and XXXX were paid the balance Friday night was {$2900.00}. I added the {$17000.00} that was put in as cash over the weekend, as well as the {$5000.00} transfer that was also put in as cash and subtracted the debits for XXXX XXXX and such and the ending balance was {$24000.00} which is what shows as available for you to use, so there isnt a true hold on the account. You have {$24000.00} available to use. 


Respectfully, XXXX As you can tell, this email is proof that the malicious acts that have been committed by TD Bank towards me, a XXXX  XXXX, shows that the bank does not pay attention to the actual laws of the United States of America. There has to be an investigation into the illegal activities. Are they XXXX  XXXX? Are they anti XXXX  XXXX? These are deliberate, malicious and fraudulent activities. This is a targeted discriminatory attack on me and if you audit the bank, you will see a pattern of abuse and discrimination against XXXX  XXXX  and XXXX people. To further add insult to injury, someone called the police and said that I threaten to XXXX XXXX XXXX XXXX XXXXXXXX. Is this revenge because the police did nothing??? I am XXXX XXXX XXXX, really. This is TD Bank just messing with a XXXX XXXX  XXXX  because someone thinks that they can do this and not get in trouble. This is a blatant attack against any and all XXXX  XXXX  and XXXX XXXX  activity!!! There was more than enough money to cover the checks, please reread the email that is in this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank / Credit Card Inquiry XXXX XXXX XXXX got a copy of your Experian Credit Report. 

XX/XX/2022 What happened? 

XXXX XXXX SERVICES made a Bank XXXX Credit Card Inquiry by checking your Experian Credit File. When you apply for credit, a " hard inquiry '' may be placed on your Credit File and it stays on your report for 25 months. 

Source : Experian Company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX got a copy of your Experian Credit Report. 

XX/XX/2022 What happened? 

XXXX XXXX XXXX made a Bank XXXX Credit Card Inquiry by checking your Experian Credit File. When you apply for credit, a " hard inquiry '' may be placed on your Credit File and it stays on your report for 25 months. 

Source : Experian Company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an illegal and false collection appearing on my credit report with Equifax and Would like it deleted and the collection company investigated. 

I do not, nor have ever, had any services performed that was not cover by my XXXX which is state issued. XXXX XXXX is a mysterious account that has no phone number, tracking information, offices or addresses. I have filed a CFPB complaint against them and they have claimed they do not " own my debt ''. This collection is either a mistake or fraudulent because I am 100 % covered under the low income affordable health care act. This account is appearing on my report since XX/XX/XXXX and I have never had a letter, a phone call or any communication verifying or validating the debt. It is a scam. Please delete it immediately. They are attempting to collect money using fake collections by illegally skip tracing people. There is NO contact information and this is violating FCRA and FDCPA laws.
Product: Debt collection

I HAVE HAD NUMEROUS CALLS FROM PORTFOLIO RECOVERY ON A DEBT THAT I AM NOT SURE I OWE. WHEN ASKED MULTIPLE TIMES TO SEND ME IN WRITING THE ORIGINAL FACTS THEY REFUSE AND THREATEN ME WITH JAIL. THEY HAVE CURSED AT ME AND SAID I HAVE COURT DATES AND SUBPEONAS THAT IVE NEVER SEEN.