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

XXXX XXXX Added two derogatory mark on my credit report Per XX/XX/XXXX Upon, further research, these accounts were transferred/sold and I am no longer responsible for the account. The Debtors creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accussed 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, XXXX XXXX XXXX has violated my rights as a consumer and I am requesting legal action to remove this account immediately.
Product: Credit card or prepaid card

I've complained repeatedly about these thousands in fraudelent charges on this card and nothing has been done to remove them. Now my credit is screwed up, as expected with these XXXX XXXX. My balance should be {$0.00}. Whatever was bought wasn't by me and I never benefited from it or had any knoiwledge what stranger did it.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX - I ordered an item with my XXXX XXXX  TD BANK credit card. I returned it immediately due to faulty manufacturing. 
XX/XX/XXXX - the return of the item posted to my TD BANK account XX/XX/XXXX- I was charged interest on the item i returned. I was unaware of the charge thinking that no balance was due since the item was return and the account had a XXXX balance prior to this purchase. 
XXXX XXXX- I received a 30day late mark on my credit repot and. XXXX point drop. I Filed a dispute with the credit bureaus but TD BANK still has not removed this error. They also dont have a number to contact their dispute center you can only contact by mail and i havent received a response. 

This is fraud i will forced to hire legal representation
Product: Credit reporting or other personal consumer reports

I've previously disputed several accounts on my credit report that I believe there were not thoroughly investigated through XXXX.
Product: Bank account or service

went into Citibank XXXX XXXX XXXX, XXXX fl XXXX phone XXXX,, to open an account for XXXX dollars to earn XXXX additional dollars within a 4 month period. saw personal banker XXXX XXXX and she set up account, stated I was there for promo, she also introduced me to manager. before I left her to give XXXX dollars to teller, again stated I would receive promo of the XXXX dollars within 4 months of deposit ( XXXX XXXX 2016 ), called a month ago Citibank they told me beginning XXXX XXXX, would be in account, called 8 days ago they said I was n't able to get XXXX dollars, because I did n't open account properly ( both banker and manager are lying if they say otherwise. THEY SAY I DIDNT COMPLY WITH CODE XXXX, if I did n't its the bankers fault not mine,
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a dispute letter for those accounts that I found unknown and inaccurate on my credit report it was almost 30 Days today but I haven't received any response. I was a victim of XXXX  Data Breach. I demand to Remove ASAP those accounts or I will file a litigation.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX On XXXX Consumer ID : XXXX I submitted CFPB complaint number XXXX in regards to information reporting inaccurately on my XXXX XXXX XXXX report. These items came back falsely verified and I am demanding an investigation. Also, I want a complete documentation of this investigation provided to me. The longer this unverified information is on my report, the more pain and anguish I feel. You are in violation of the FCRA and I am seeking remedy of {$400000.00} in compensation which you can send in the form of a check payable to myself and addressed to the addressed listed above. If these items aren't removed immediate, please expect an affidavit of truth to follow. Consumer ID : XXXX TO : NAVY FEDERAL CREDIT UNION In reference to to account Bank Routing # : XXXX Account # : XXXX Dear Collections and Consumer Relations Dept. : This letter is in response to your recent claim that NFCU verified that I have an unpaid debt with them. Yet again, you have failed to provide me with a copy of any viable evidence submitted by NFCU. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. Additionally, please provide the name, address, and telephone number of each person contacted at XXXX  XXXX XXXX regarding this alleged account. I am formally requesting a copy of any documents provided by XXXX, bearing my signature, showing that I have a legally binding contractual obligation to pay them. A bank clerk looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt. What you sent ( 4 illegible letters attached ) could be anything from anybody and is DEFINITELY not validation!!!! Please stop playing with me. This is making me XXXX  XXXX. I can't eat or sleep and I feel like total XXXX because of this. Please delete this account immediately!!!! Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. Failure to comply with federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC, CFPB and the state of Minnesota Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking {$5000.00} in damages for the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act Sincerely, XXXX XXXX Cc : XXXX XXXX, XXXX
Product: Student loan

Hello, I 've been trying to pay off my student loans. Every month I pay about XXXX extra on my highest interest loan. I always check the " do not advance due date '' check box. For months, this has allowed me to make the payment for the month and apply the rest of the payment to principle. Yet, when I made my payment this month, I logged in and found out that I still was expected to pay my payment for the month again. I called to talk to a representative and she said that " They have no explanation why the payment system is not working correctly ''. She also said " it 's being " wonky '' this month '' and could give no further explanation. 
She then said I should pay my payment again this month ( while having no explanation as to how this would affect my interest accrued ) or that I could have my payment deferred into the next month because the system was being wonky. 

I do n't feel that this is an adequate explanation and I have no reassurance that my payments are being applied correctly. If I had n't logged in early this month I would have had to pay additional interest and penalties. 

It 's not my job to debug their IT systems and I would like an explanation and some reassurance that my account is n't being overcharged. I also do n't feel I should have to constantly log in to make sure that their system is n't being " wonky '' and making me make additional payments that I do n't owe. She also tried to blame it on me for checking the " due not advance due date '' checkbox, but that still means I 'm making the payment for the month. It just does n't apply it 3-4 months out when I pay extra towards the loan. 


Thanks.
Product: Debt collection

I am filing this complaint regarding an issue with XXXX XXXX that has caused significant frustration and inconvenience. Despite my efforts to resolve this matter directly with XXXX XXXX, the issue remains unresolved. 

Details of the Complaint : Unresolved Billing Discrepancy : XXXX XXXX has reported an incorrect or disputed balance on my account. Despite multiple attempts to obtain clarification and resolution, they have failed to provide accurate billing statements or a clear explanation of the charges. 
Failure to Provide Proper Documentation : I have requested detailed billing records to validate the charges and confirm the accuracy of the amount owed. However, XXXX XXXX has not provided the requested documentation in compliance with federal consumer protection laws. 
Negative Impact on Credit Report : XXXX XXXX has reported this disputed balance to the credit bureaus, negatively impacting my XXXX XXXX. These actions violate my rights under the Fair Credit Reporting Act ( FCRA ) ( XXXX XXXX. XXXX ), which requires furnishers of information to ensure the accuracy of the data they report and to investigate disputes promptly. 
Relevant Consumer Protection Laws : Fair Credit Billing Act ( FCBA ) : Under the FCBA, consumers have the right to dispute billing errors on credit card or utility accounts and must receive a timely response. XXXX XXXX 's failure to respond to my dispute violates these provisions. 
Fair Credit Reporting Act ( FCRA ) : XXXX XXXX is required to ensure the accuracy of the information reported to the credit bureaus and to investigate disputes promptly. 
State Utility Regulations : XXXX XXXX may also be in violation of state-level consumer protection laws governing utility billing practices and dispute resolution. 
Resolution Requested : Investigation and Documentation : I request that XXXX XXXX provide a detailed and itemized statement of the charges in question, along with all supporting documentation, to validate the disputed balance. 
Removal of Negative Credit Reporting : I request the immediate removal of the negative information XXXX XXXX has reported to the credit bureaus regarding this account until the dispute is fully resolved. 
Assurance of Compliance : XXXX XXXX must take steps to ensure compliance with federal and state consumer protection laws in handling disputes and reporting accurate information. 
Refund or Adjustment : If the charges are determined to be invalid, I request a full adjustment or refund of any overpayments related to the disputed balance.

I trust that the Consumer Financial Protection Bureau will investigate this matter and assist in ensuring compliance with applicable laws.

Thank you for your attention to this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX 's client XXXX XXXX is an identity theft victim, his information was used to apply for several credit cards without his consent. Those application resulted in fraudulent inquiries, disputed were sent to those creditors to have those inquires removed however Chase has not removed the inquiry. A recent letter was received by Chase confirming an account ; the account was never in dispute, the fraudulent Chase inquiry was. Chase is now in violation of the FCRA by reporting and verifying fraudulent credit information.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX Cap one NA - XXXX XXXX Cap one NA - XXXX XXXX Capital one Auto Fin - XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX 2022
Product: Debt collection

Company showed up on my credit report without any personal correspondence until afterwards. I have sent 4 letters to the credit bureaus that asked for verification of the debt and haven't received any proof other than the fact that it was " verified '' and will continue to stay on my credit report for the next 5+ years. I wrote a letter to the company asking them to validate the account with a contract between us and they have only sent me statements, the last letter I received after telling them that is not what I asked for was a form to fill out about my identity being stolen, this is definitely not what I asked for. This is the last step I am taking before I have to sue. This is the only debt collector on my credit report and they haven't been able to validate the account with the information I asked for!
Product: Credit card or prepaid card

I opened a checking and savings account with  Wells Fargo  late  XXXX   XXXX . I specifically said I only wanted a checking and savings account and nothing else. A couple of weeks later in  XXXX   XXXX  a credit card shows up at my door step. I specifically did not ask/want the credit card. I activated it a couple of weeks later. I called them  XXXX   XXXX  and asked where the card came from, no good response. I called them  XXXX   XXXX , after the whole banking scandal, no good response.     I then checked my credit report  XXXX   XXXX  and saw that that they did a hard credit pull on my account for that credit card. I called them and told them I did not authorize it and they did not tell me they did a hard pull on the account.  XXXX   XXXX ,  XXXX  I talked to one of their customer service reps and the guy said if you cancel the card we can send a letter to the credit bureaus and retract the credit pull. I said fair deal. I got a call today  XXXX   XXXX ,  XXXX  and the guy was from " executive '' relations and he said that is not something they 're going to do because I " benefited. '' Well they 're not removing the credit pull, I closed the card, and I lost the points I accumulated.     Basically, it 's the worst customer service I 've ever had and least amount of answers to my questions. I 've NEVER, EVER had a credit card or bank account for less than a year from opening. I 'm usually the type that rolls with the punches but  Wells Fargo  was really good at driving me away.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in regards to the equifax hack. I have been notified that my information HAS been compromised. Their laziness when it comes to security makes the fault theirs.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXXXXXX {$18000.00} XX/XX/XXXX DEPT OF ED/XXXX  XXXX {$7300.00} XX/XX/XXXX DEPT OF ED/XXXX  XXXX {$4000.00} XX/XX/XXXX DEPT OF ED/XXXX  XXXX {$4700.00} XX/XX/XXXX DEPT OF ED/XXXX  XXXX {$2300.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$1100.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$1300.00} XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$2000.00} XX/XX/XXXX
Product: Checking or savings account

Excessive, recurring returned item fees were charged on numerous transactions never authorized and disputed via PNCs ACH process. My personal checking account ending in XXXX is currently in a negative standing and overdrawn by {$400.00}. The account is facing charge off due to the banks negligence and failure to do their lack of due dilligence. As a result, insufficient fund fees were charged ( {$36.00} per transaction ) on the following dates for my checking account ending in XXXX : XX/XX/21 Overdraft fee {$36.00} for XXXX XXXX transaction {$10.00} XX/XX/21 Overdraft fee {$36.00} for XXXX transaction XX/XX/21 XXXX {$96.00} ( unauthorized debit, disputed via PNC ACH process ) XX/XX/21 Overdraft fee {$36.00} for XXXX transaction XX/XX/21 Subscription XXXX {$3.00} ( unauthorized debit, disputed via PNC ACH process ) XX/XX/21 Overdraft fee {$36.00} for insurance transaction XX/XX/21 Overdraft fee {$36.00} for XXXX transaction XX/XX/21 XXXX {$100.00} ( unauthorized debit, disputed via PNC ACH process ) XX/XX/21 Overdraft fee {$36.00} for XXXX XXXX transaction {$10.00} XX/XX/21 Overdraft fee {$36.00} for USPS Online transaction XX/XX/21 USPS Online PO Box {$34.00} ( unauthorized debit, never initialized ; typically paid in person to a clerk ) XX/XX/21 Overdraft fee {$36.00} for XXXX transaction XX/XX/21 Overdraft fee {$36.00} for XXXX transaction XX/XX/21 Subscription XXXX {$3.00} ( unauthorized debit, subscription never authorized, contested and disputed via PNC ACH process ) XX/XX/21 Overdraft fee {$36.00} for XXXX transaction XX/XX/21 XXXX {$60.00} ( unauthorized debit, disputed via PNC ACH process, contacted XXXX ) I personally requested stop payments for XXXX XXXX and XXXX ; however, wrongful payments were authorized without my consent. Furthermore, I filed multiple ACH dispute claims with PNC and have not received any sort of response from the bank or opportunity to provide supporting documentation after the claims were filed. The account ( XXXX ) was written off as charge off without an investigation being conducted. The bank didnt do any sort of do diligence to ensure that I wasnt at fault or gave me the opportunity to provide documentation to support my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCT Name : XXXX XXXX XXXXXXXX, XXXX XXXX and XXXXXXXX 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 accounts 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 this 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 hope this letter finds you well. I am writing to bring to your attention a matter of significant concern regarding multiple attempts made to remove fraudulent items from my account. 

To my dismay, despite multiple attempts to rectify this issue, the fraudulent items have not been adequately addressed. Despite providing all necessary documentation and details regarding the unauthorized transactions, the resolution process seems to have been prolonged unnecessarily, causing me significant inconvenience and frustration. 

I understand that instances of fraud can be complex and require thorough investigation. However, I expected a more expedient and effective response from your company in resolving this matter. The lack of timely action has not only impacted my financial security but has also eroded my trust in your company 's ability to handle such critical issues. 

In light of these circumstances, I urge you to take immediate action to rectify this situation. I request that you promptly investigate the unauthorized transactions on my account and ensure that the fraudulent items are removed without further delay. Additionally, I expect a clear and transparent communication regarding the steps being taken to address this issue and prevent similar occurrences in the future. 

Furthermore, I believe it is reasonable to request compensation for the inconvenience and stress caused by this ordeal. I trust that you will handle this matter with the urgency and seriousness it deserves and provide me with a satisfactory resolution at the earliest opportunity. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX 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 or other personal consumer reports

I have started looking into to my credit and noticed the very unfamiliar accounts below. I have no knowledge or have I ever done business with the companies listed below. I have tried everything to get this fixed. 

In accordance with the Fair Credit Reporting act. The accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Accounts name : XXXX XXXX  account number # XXXX XXXX XXXX  XXXX account number # XXXX XXXX XXXX XXXXXXXX account number # XXXXXXXX XXXX XXXX XXXX  account number # 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 that a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) section states that 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, credit repair services, or other personal consumer reports

address that are not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts that are not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX department of Treasury XXXX
Product: Debt collection

I Was charged for {$280.00} by " XXXX XXXX XXXX '' in which I have no recollection of for such services.
Product: Credit reporting or other personal consumer reports

The most recent copy of my XXXX credit report ( dated XX/XX/2024 ) indicates I have two loans with Sunbit. According to my credit report, Sunbit is incorrectly reporting one of my loans if paid off in full and has been closed. However, on Sunbits website, it indicates both loans are open with outstanding balances. This is inaccurate credit reporting and a violation of the federal FCRA, and Californias XXXX. It gets worse, I paid late on both of my Sunbit loans, however both Sunbits website and Sunbits employees are unable to provide me with details on how many days late my payment was received. This is egregious. In addition, I spoke to an employee named XXXX ( XXXX ), who interrupted me and placed me on hold and transferred the phone call without my permission. Also, the hold time to be transferred was a long moment of silence.