23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

There's an invalid and unverified debt collection account on my credit report. I've made several attempts for verification such as original statements and a contract with my signature, the nature of the account, etc. I also requested a copy of their license to collect in the state of Michigan. I have sent several letters via certified mail to the collection agency for over a year. I have not yet gotten a response. This account does not belong to me. 
Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I contacted TD Bank and let them know that the action they had taken on my account had been based on the wrong information. 

They sent a letter in which they have decreased the credit limit by almost 50 % based on 1- Derogatory public records or collection fraud 2- Length of time the accounts have been established 3- No recent installment loan information 4- Number of recent inquiries When I contacted them and asked for clarification they could not provide even a short explanation for the information and eventually declined to take any steps to resolve my concerns. It also damaged my credit report since the usage of the account went up by reducing the credit amount. 
For clarification : after I got credit from them I reduced my debt substantially. So, I even revived an increased update from some credit companies. 

Their actions and decision makings have been based on wrong information to deliberately damage my credit report. In addition, they have used false and wrong information for their actions which even they could not clarify.
Product: Credit card or prepaid card

So On XX/XX/2020 I decided to open a checking account with BBVA. I only wanted to open a checking account and be able to do online banking. Well, after the open account process was done. I tried to set up my online banking and it kept saying that there was an error with my password and my username. Once I submitted all my information it would say that my account needed to be submitted first by XXXX or something like that. After so many times trying with no luck. I decided to leave it alone for the day and call the next day in the morning. 
Since XXXX I have been on the phone with BBVA, first I spoke with XXXX, I explained my problem logging into online banking he wanted my social security number I told him I did not feel comfortable sharing that information, then he asked me more questions to verify my identity. 
After a while he was able to help me set up my online banking, and that is when I realized that I not only have a checking account but I also have a credit card with a balance already of {$2600.00} I was very shocked to see this and I asked XXXX he said it was probable something easy to fix he put me on hold for a while, after 45 minutes he said he needed to transfer me to another department. I spoke with XXXX which could not do anything about other that having me on line for more than 15 minutes when he said he needed to transfer my call to another department. Then XXXX was asking me questions and after a few minutes he said that unfortunately he couldn't do anything about it due to that account was already closed and sent out to Collection Agency and he was going to transfer me to them. 
I asked to speak with someone else in order to give me more information about this issue. 
I have never had a credit card with this bank, ever. 
How could I have a credit card with all this balance and no one could give me more information about it. 
He put me on hold for about 10 minutes and then he transfered me to another person. 
Shurle I think that was her name and she said that there is nothing they can do that I need to call the fraud number. 
She gave me a number that is not taking calls at the time.
Product: Credit card

XX/XX/XXXX I divorced XXXX XXXX XXXX, she went on to open credit cards and loans in her name. One of the cards that she open was with US Bank, which she charged up to the sum of at least {$15000.00}. She failed to make payments to this institution and was turned over to their collections department. Since XXXX XXXX did n't make the payments they tried to get me to. I explained to them that we were no longer married and have n't been for several, the debt is not mine. I have sent them copies of my divorce papers and they still placed it on my credit report as a debt that I owe. I find this very unfair and would like it removed from my credit report. I ca n't get US Bank to do anything about this matter. I am hoping that you will be able to resolve this matter with me. It is the only bad mark on my credit report, it is hurting my chances of refinancing my home.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with XXXX and don't have contract with XXXX XXXXThey did not provide me with the original application loike I asked.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX - XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX ( Auto ) - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I am writing to formally dispute the inaccurate reporting of a late payment on my credit report. The account in question, under the name XXXX XXXX, is erroneously listed as having a late payment for XXXX. This is incorrect, as the payment was made on time and in accordance with the accounts terms. 

Pursuant to the Fair Credit Reporting Act ( FCRA ), it is the responsibility of consumer reporting agencies to ensure that all information reported is accurate and complete. The reporting of a late payment on this account is neither. This account has never been late, and the record must reflect that fact. 

I have enclosed a copy of my credit report highlighting the disputed item. I demand that you investigate this matter thoroughly, correct this inaccuracy, and delete the erroneous late payment from my record without delay. 

Please provide written confirmation of the results of your investigation and any corrective action taken.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter to Experian for my XXXX account on XX/XX/2022 simply asking for them to validate the account. They completely re-aged the account and reported payments that I had not made on the account in order to change my date of last activity. I disputed it again and made it known to them what they did. They updated the account, so it no longer was re-aged, but there are so many errors on this account that they have not corrected and are still reporting false payments among other things. I have already sent 3 letters about this account, and it is highly damaging to my score with all of the false and incorrect information.
Product: Checking or savings account

My name is XXXX XXXX. I opened up a checking account with capital one a few months ago and deposited a check for {$2500.00}. They put a hold and had me confirm My identity by uploading a photo of my ID through their security link Which I did successfully. Its been several months and they still will not allow me to access the funds in my account. I tried calling them several times and they are asking me if they can contact the checkwriter to verify the check which I told them was perfectly OK. I provided them the check riders phone number however because hes on a family plan and the phone is under his wifes name they will not call that number mower they let him call into them to verify. The check was valid of course and the funds have not been charged back or returned several months later yet they still will not allow me access to my money please help. When I ask them if they think they can just hold my money forever they rudely replied that yes they are legally allowed to hold my phones forever which I thought was not true you can contact me up XXXX or email me at XXXX XXXX
Product: Mortgage

XX/XX/2022 : Sofi sent an e-mail of {$20.00} bonus for viewing mortgage rate ( attached ). On the same day, I applied through the link provided in the e-mail, consented to soft credit check, and received few mortgage rate offers ( and multiple phone calls from mortgage agents ). Mortgage rate offers are attached. 
XX/XX/2022 : Inquired to Sofi about the bonus, and was advised that it would take 7 days to be deposited. 
XX/XX/2022 : Inquired to Sofi, was asked when I did view my rate ( which I responded right away that it was XX/XX/2022 ), and no response. 
XX/XX/2022 : Inquired to Sofi, was told that I have to apply via provided link, and have Sofi checking and savings accounts ( which I do have since XX/XX/2022 ).
Product: Bank account or service

On the month of XXXX my debit card was lost, the chase bank call me to confirm is several transaction going on on my account was made it from me, I educate them, that i did not did such of transaction that i did not have my card on my posession, they submit various claim on the account and the credit the amount of the claim to the account. I educate them that my card was atach to entities that i do montly payments and expesify wich entities so they accept the withdraw, they stated that wouldnt be a problem and they rejected all the claim because payment to mentions entities got into the account, i did have to call again so they can resolve issue and correct their mistake, they filed new claims and credit again the account, then they decide to cancel all my account and hold all my money and take away the money back from the account.
Product: Other financial service

CareCredit/Synchrony Bank has placed an excessive incorrect monthly interest charge on my account and will not respond to my letters, calls, or emails.
Product: Debt collection

Received an email this morning claiming I owe a debt from XXXX. 
They said it is {$220.00}, that it is a former medical debt by a local hospital abd claimed that another collection company, XXXX, had previously bought the debt from that local hospital and now they, National Recovery, are trying time collect on this? My credit report has been cleared of all past due, collections, etc since XXXX of this year! 
The address listed on the debt is a combination of different former residences plus neither of those I have lived at since XXXX. 
The only information I was given stated I saw a XXXX named XXXX at XXXX XXXX on XXXX I have gone to XXXX, but not at that time nor did I see a doctor named XXXX Also, we refinanced our home with an fha loan earlier this year and ALL old debt or collections were paid at that time I take this seriously and am infuriated we have worked hard time rebuild credit after many years of caring for troubled kids and family. 
Please help
Product: Credit reporting or other personal consumer reports

My account with these company was never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in MONTHS REPORTING LATE to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

This company never Sent the periodic statement along with the disclosures from section XXXX ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 

15 U.S.C 1666b Timing of payments : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Product: Checking or savings account

Well over 12 months ago, I opened a savings account and three CDs with Marcus by Goldman Sachs. Upon trying to transfer funds out of Marcus my account was shut down. I had no access to any of my money. The amount was at that time over {$700000.00}. I called and called at least 6 to 12 times until finally. I was told that I had to prove my identity by actual US Postal Service mail. That process took over 60 days when my account finally became freed up again the money was in CDs and savings accounts and so I decided to leave it in there Until it vested. Which I did. So in XXXX when it came time to start taking my money out of Marcus, I started to transfer funds. The transfers would go into my bank account and then reverse upon calling at least 7 to 12 times we finally agreed to just close the account and get me a check. Thats been going on for three weeks. I have no money. I just got an alert saying my Marcus account has been closed. Yet I have no funds. Again were talking about {$730000.00}
Product: Mortgage

I am a XXXX XXXXXXXX mother and I am being exploited by the TD Bank Assistant Branch Manager of the XXXX XXXX XXXX. 

The TD Bank Assistant Branch Manager intentionally converted a personal injury check and then stole a portion of those monies from my account that she forced me to open so she could have " easy access '' The TD Bank Assistant Branch Manager changed my account so I didn't have insurance coverage when there was a hail storm and I was unable to make necessary repairs. 

The TD Bank Assistant Branch Manager has wrongly increased my monthly mortgage amount. 

The TD Bank Assistant Branch Manager keeps sending Foreclosure notices that I am one or two payments behind, when i am not behind, and my mortgage is current. 

The TD Bank Assistant Branch Manager knows that I am attempting to refinance my home, and I was just 2 days past the 10 day grace and my credit report was docked down XXXX points. 

I am being XXXX XXXX  and XXXX XXXX by the TD Bank Assistant Branch Manager and she is using her power and authority as a TD Bank Representative to hurt me, and cause XXXX, pain and suffering.
Product: Debt collection

Dear Experian : I am writing to you to request that you remove the following unauthorized account from my credit report : Creditor : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX FL ) Account Number : XXXX Amount : {$3200.00} Attached is a copy of the FTC Report I submitted for these fraudulent accounts. I have also sent this report directly to the creditor disputing their reporting. 

I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. 

My contact information is provided below, and I have included proof of my social security and current address to avoid any delays in your response time. 

Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, XXXX, Texas XXXX Social Security Number : XXXX Date of Birth : XX/XX/1991 Birth City : XXXX, Tennessee I look forward to receiving an updated copy of my credit report reflecting the above correction. 

Thanking you in advance. 

SincerelyXXXX XXXXXXXX
Product: Student loan

Peaks private loans, I have never received any written correspondence from them ever. I was forced into this private loan through XXXX XXXX. The only way to see a balance is from their grossly outdated website and charge extra for any little thing. I will not allow this company to ever have access to my bank account in the form of an auto payment. Avoid Avoid Avoid!
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. XXXX XXXX XXXX XXXX  - Account # XXXX The above account have violated my rights. 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. 

Attached is a copy of the title for my vehicle that proves that this account was PAID IN FULL. The company is incorrectly reporting this account as a charge off.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly Investigate my disputes regrading inaccuracies in my credit report. Despite my submissions, Experian consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that CFPB take action to ensure Experian complies with the necessary proof of investigation. Accounts are listed below. 

Account Name : XXXX  XXXX  XXXX  Account # : XXXX Amount : {$3300.00} Account Name : XXXX XXXX XXXX Account # : XXXX Amount : {$560.00} Account Name : XXXX XXXX  XXXX  Account # : XXXX Amount : {$690.00}
Product: Money transfer, virtual currency, or money service

On XX/XX/2024 there were several unauthorized transactions in my cash app account which I immediately reported to them as well as the transactions as fraudulent charges/transactions. But unfortunately cashapp didn't do anything about it they requested a refund for me from the receiver of the transactions which was denied so I disputed the charges with cash app letting them know that my device had been hacked along with my XXXX account, XXXX account, XXXX and my XXXX account. Cash app said that they investigated the issue and no error occured therefore a refund would not be issued.
Product: Debt collection

This company has been reporting a collection on my credit report and has caused my credit to drop below sub par standards
Product: Debt collection

I was a customer of XXXX last year. I cancelled the service after I was no longer happy with their service and frustrated with the customer service. I cancelled it some time last XXXX or XXXX and was given confirmation and my account was up to date. In XXXX or XXXX I saw that the company was still billing me after I cancelled services. I spent hours on the phone with different employees to fix the issue and was guaranteed it was fixed and that the charges would be removed and my final bill would be sent ( which should have been {$0.00} ). That clearly did not happen. 
I now see that SEQUIUM ASSET SOLUTION is reporting this as a debt collection on my credit report. I have never even heard from this company. I had no idea this debt was still on XXXX 's system and XXXX has never even attempted to reach out to me so I could correct this or dispute it. 
XXXX has apparently closed my access to this account as I am no longer able to login to it to get any specific dates. This all happened months ago so I am not sure when I spoke with anyone on the phone or confirmation numbers as I believed this was taken care of. There should be all of the call records of when I called and spoke with people. 
I have disputed this with XXXX and will be reporting to BBB as well
Product: Debt collection

I am writing to follow up on my previous requests for the reinvestigation of several accounts that I believe to be inaccurately reported on my credit file. As per the regulations, I understand that your company is required to complete these investigations within 30 days of receipt. However, despite my repeated attempts to contact the listed companies, most of them have no record of me. Therefore, I strongly question how they can claim a permissible business purpose for accessing my credit if they lack knowledge of my identity. I urge you to adhere to the Fair Credit Reporting Act and conduct a comprehensive investigation into the following accounts : XXXX XXXX Please remove this fraudulent account in my credit ASAP.
Product: Mortgage

I wish to file a complain regarding the results of the investigation completed by XXXX XXXX which was completed earlier this month. In Mr. XXXX response, he made a false and/or misleading statement. He acknowledge receipt of my RMA on XX/XX/2019. He claimed that the reason for not reviewing my request for mortgage  assistance was because Chase did not receive my application the required number of days before the foreclosure date on XX/XX/2019 According to my records, the document was sent XX/XX/2019. But that is not a big concern. My concern is that my RMA was not reviewed at all. In a phone call to my previous dedicated manager, which is recorded. He said my application was not reviewed at all. He referenced notes on my account from an earlier call from the 1st week in XX/XX/2019. When the letter dated XX/XX/2019was received, I knew it was a fictitious document sent by Chase to pretend that they are in compliance with rules and regulations. In addition, Mr. XXXX in his investigations indicated that if my situation has changed for me to call XXXX for assistance. Well my situation has changed, and I will be reapplying for assistance in leaving the property. I have attached correspondence received from Chase today.