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

Circa XX/XX/XXXX, I originally wrote to the company Equifax in regards to disputing/verifying several collection accounts that were being reporting in my credit file. Some of the disputing accounts included XXXX XXXX   reference number XXXX and XXXX XXXX XXXX XXXX reference numbers XXXX and XXXX. 

Equifax responded by writing back to me stating that the account belonged to me. I then responding back by writing them back on XX/XX/XXXX to inform Equifax that the accounts had been investigated and deleted/removed on my other credit reports. The investigations from the other credit bureaus resulted in the accounts being removed/deleted. Supporting documents were provided as proof that the accounts had been investigated. After 30 days the accounts were still being reported in my credit file. I then wrote Equifax again on XX/XX/XXXX requesting their method of verification for the said accounts. Please note that Equifax at no point in time ever provided me with any account-level documents to verify disputed accounts. Later Equifax begin reporting another account XXXX XXXX  XXXX reference number XXXX**, be advised that this company XXXX XXXX XXXX never provided me an initial notice of debt. I disputed this account originally circa XX/XX/XXXX ( see. Attachments ). I also requested method of verification from Equifax for this account on XX/XX/XXXX after Equifax claimed the account was verified ( see. Attachments ) but no verification was ever provided to me. 

I then requested that the disputed accounts be deleted from my credit file immediately. It has now been more than 30 days from my last dispute correspondence with Equifax. Please be advised that Equifax has not responded back within the 30 day timeframe and is not in compliance with the FCRA guidelines. Also I request that CFPB step in as a liaison to assist in resolving this matter. 


I request that Equifax comply with the FCRA, by removing this aforementioned inaccurate unverifiable accounts from my report. These accounts are incomplete, inaccurate, and unverifiable. I have given Equifax more than 30 days to produce documentation to verify the account. In that time I provided documents showing that the accounts were investigated and deleted with other bureaus. Please be advised that all supporting documentation will be unloaded to support this complaints. This will include letters to Equifax, and copies of certified USPS receipt,
Product: Debt collection

XXXX XXXX XXXX is still trying to charge me for phone service I never had. As stated in my previous complaint filed with the CFPB back in XX/XX/XXXX, I have never used XXXX, and have been with another company for seventeen years. The account number on the bill, which is " XXXX '' ( which corresponds with the last XXXX digits of a person 's Social Security number ) does not match mine. In addition, the phone number on the bill is not mine! I happened to have a similar name to the person listed on the bill, so they forwarded this bill to my address, and demanded collection. I called them, and explained what happened, and the XXXX representative promised me that they would call off the collection agency. However, I see that on my credit report, they have still posted me as owing money to them, unfairly damaging my credit. Instead of correcting their mistake, they have passed my name, phone number, and address to yet another collection agency. XXXX back in XX/XX/XXXX ; XXXX the " XXXX XXXX '' back in XX/XX/XXXX ( XXXX, which, by the way, apologized and stopped harassing me ). Third, they passed my name yet again to " XXXX XXXX, XXXX '', which not only apologized for bothering me, but admitted that XXXX had passed on to them a fraudulent debt. Now, it is XX/XX/XXXX, and XXXX is at it again, by passing my name to " Credit Collection Services ( CCS XXXX XXXX, '' which has sent me a notice for payment, and has been making incessant phone calls to my number.
Product: Credit reporting, credit repair services, or other personal consumer reports

It's been a rough Year for me. I'm Ready to purchase Property for me and my kids, so I decided to check my credit.. 
I cant Believe that I became a victim of Identity Theft. I work very Hard to maintain my credit for me, and my XXXX Future. 
How Can someone destroy My credit ... this is not Fair nor is this right, I did not give any Consent to these fraudulent Account. this was not authorize by me. I want these Accounts blocked and Removed from my credit thank you
Product: Credit card

Complaint Regarding Unauthorized Recurring Subscription Charge by XXXX XXXX To the Consumer Financial Protection Bureau, I am filing this complaint regarding a recurring subscription charge from XXXX XXXX that I attempted to cancel before the latest billing cycle. I have disputed this charge with American Express. I attempted to cancel my subscription both online and via phone prior to this renewal date ; however, XXXX XXXX continued to charge my account. 

One significant issue is that XXXXXXXX XXXX provides no receipt or confirmation for attempted cancellations, leaving customers without any verifiable proof of these attempts. In my case, their supporting documentation only states that I did not cancel, without providing actual evidence to support their claim. This lack of documentation severely limits customers ability to contest unauthorized charges.

Since my last use of the product was on XX/XX/XXXX, and my login on XX/XX/XXXX was solely to check account status after noticing the charge, I request an investigation into XXXX XXXX billing practices and a refund of the unauthorized charge. I am hopeful that CFPB can address the lack of transparency in XXXX XXXX cancellation process and prevent other consumers from facing similar issues. 

Thank you for your attention to this matter.
Product: Checking or savings account

My mother died on XX/XX/XXXX. We sent her death certificate in to Ally bank the following week. My brother who was the 99 % beneficiary spoke with them, they verified his information and cut a check to him within 7-10 business days. I received a letter from Ally requesting I call them immediately, which I did. I verified my mailing address and my instructions to receive the balance of my mothers account. They informed me at the time it would be 7-10 business days. 

I received an account statement under my mothers name on XX/XX/XXXX showing her account still open and the balance that should have been sent to me still in her account. I called them back on XX/XX/XXXXXXXX and received apologies, they said they didnt know why there was a delay, the case was still open. They assured me they would expediate the case and I should receive a check in 7-10 days. 

XX/XX/XXXX and I still havent heard from them or received the check. I called them again and was told initially that I just had to wait, I requested speaking to a supervisor, the supervisor told me it had never been rerouted to the approperiate department but she would after verifiying my address again and reroute it. She suggested I call again next week to confirm status. 

While we wait for the case to close my mothers account remains open but restricted, meaning she will not be earning interest even though they have kept her account open. Why wont she be paid interest? I do not like the fact that her account remains open, that leaves her open to fraud. I have contacted Social Security, Medicare and the credit bureaus but still I worry that someone will fraudulently use her name.
Product: Credit reporting, credit repair services, or other personal consumer reports

ubject : Method of Verification Request for Disputed Account Dear Sir/Madam, I am writing to dispute the accuracy and validity of an account listed on my credit report. According to my records, the account in question does not belong to me, and I am requesting that you verify its accuracy as mandated by the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 1 ) ( A ).

Account Information : Creditor Name : XXXX XXXX XXXX Account Number : XXXX I am well aware of my rights under the FCRA XXXX which requires credit bureaus to investigate and verify the accuracy of disputed information within a reasonable timeframe. As such, I am formally exercising my rights and requesting that you provide me with complete and thorough documentation that supports the validity of this account. 

To ensure a fair and comprehensive investigation, I kindly request that you provide the following information : Verification of the Creditor : Please provide documentation proving that the alleged creditor, as listed on my credit report, is legitimate and that a valid contractual relationship existed between myself and the creditor.

Verification of Account Ownership : Please furnish documented proof establishing my ownership and responsibility for this account, including any signed agreements or contracts bearing my signature.

Itemized Account Statements : I request copies of all account statements, including the original and subsequent statements, indicating the transaction history, balances, payments, fees, and any other relevant information pertaining to this account.

Chain of Custody : Please provide a complete record of the account 's ownership and any transfers or assignments of the debt. This should include any supporting documentation demonstrating how the alleged creditor obtained the account information.

I understand that under the FCRA, the credit bureau has a legal obligation to investigate my dispute within 30 days of receiving my request. Additionally, I kindly request that you inform the original creditor of my dispute and provide them with a copy of this letter, as required by FCRA Section 611 ( a ) ( 2 ) ( A ). Please be advised that any failure to comply with my request and obligations under the FCRA may result in legal action to protect my rights. I have enclosed copies of relevant documents supporting my identity, including a copy of my driver 's license and a recent utility bill, to confirm my identity and ensure accurate processing of this dispute. Thank you for your prompt attention to this matter. I expect a thorough investigation and a timely response within the required timeframe. Please send all correspondence regarding this dispute to the address listed above. Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the agency regarding the information and no actions were taken. 

In accordance with the Fair Credit Reporting Act Professional/ Debt XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act accounts XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX 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 a 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

CommonWealth has been reporting false information on my credit reports. XXXX  is reporting false inforamtion provided by CommonWealth in regards to a bill they state I owe and has not provided me with any proof that this account belongs to me. reports have different information.

I sent off a letter for verifying a debt to CommonWealth Financial on XX/XX/2018 in regards to alleged debt. The company did not send proof of debt. After letter 2 was sent out XX/XX/2018 requesting proof the creditor has removed the information from XXXX  but has not removed the information from XXXX. CommonWealth continues to update debt on XXXX. No proof was provided by creditor. The creditor continuously reports this delinquent account on my XXXX credit report and has not proven it to be valid.
Product: Debt collection

I am filing a formal complaint regarding the incorrect reporting of a charge-off and an extended period of late payments on my credit report. This reporting is not only inaccurate but also a violation of my rights under federal consumer protection laws, including the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

In addition to the false charge-off, my account has been inaccurately reported with over a years worth of late payments. This misrepresentation of my account has significantly damaged my credit, violating the FCRA 's requirement that all information provided to credit agencies be accurate, truthful, and verifiable.

Violations of Consumer Law : The charge-off is incorrectly reported, and the furnishers failure to verify and correct this information after previous disputes violates Section 611 ( a ) of the FCRA.Additionally, the inaccurate reporting of late payments breaches Section 623 ( a ) of the FCRA, which mandates that furnishers provide correct and complete information. Their failure to amend these errors further violates this obligation.

FDCPA Violation : If the reporting entity is acting as a debt collector, the false reporting of charge-offs and late payments constitutes a deceptive practice under Section 807 of the FDCPA ( 15 U.S.C. 1692e ). These actions are unlawful and harmful to consumers.

The continued inaccurate reporting is damaging my financial standing, leading to unjustified credit denials and increased interest rates.

I urge the CFPB to immediately investigate this issue, ensure compliance with the FCRA and FDCPA, and require the permanent removal of both the charge-off and the incorrect late payments from my credit report. The furnisher must be held accountable for failing to meet their obligation to provide accurate information, with penalties applied for any further non-compliance.

I expect a prompt resolution, including the permanent removal of all erroneous information. Please notify me of the actions that will be taken and the timeline for addressing this complaint
Product: Credit card

I am writing to formally lodge a complaint against Chase Bank regarding their handling of my visa chargeback request. On XX/XX/2024, I received a call from a woman named XXXX XXXX, who provided me with erroneous information and displayed a lack of knowledge about the specifics of the visa chargeback code for services not as described. 

Specifically, XXXX XXXX was unable to explain why Chase did not update my visa chargeback code to reflect " services not as described, '' despite my written request on XX/XX/2024, and follow-up phone calls on XX/XX/XXXX and XX/XX/2024, to ensure the code was correctly updated. The quality of customer service provided by XXXX XXXX and the thoroughness of the investigation conducted by Chase fall well below the standards I expect from a financial institution of their standing. 

I believe Chase Bank has failed to adequately address and investigate my chargeback request, and their continued lack of responsiveness and understanding of the issue is causing me significant distress and inconvenience. 

I kindly request the Consumer Financial Protection Bureau to investigate this matter and take appropriate action to ensure Chase Bank adheres to proper protocols for handling chargeback requests, provides adequate training to their staff, and improves their customer service standards to meet the needs of their customers. 

Thank you for your attention to this matter.
Product: Debt collection

I am writing this in response to a recent communication received from XXXX XXXX, dated XX/XX/XXXX, which claims that I owe a debt to them that has allegedly been sold to Portfolio Recovery Associates. I dispute the validity of this debt and assert my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

I have been consistently making payments towards the alleged debt, as per my records and bank statements, directly to Portfolio Recovery Associates, pursuant to a payment arrangement established on XX/XX/XXXX. This arrangement was made with Portfolio Recovery Associates, and I have diligently upheld my payment obligations in good faith. 

Per the FDCPA, Section 809 ( b ), I request that you provide me with a written validation of this alleged debt. This validation should include the amount claimed, the name of the original creditor, and any relevant documentation that supports your claim. Until such validation is provided, I request that all collection activities, including reporting this debt to credit bureaus, be immediately halted.

Furthermore, I also demand that the entry of this debt on my credit report be removed in compliance with the FCRA, Section 623 ( a ) ( 1 ) ( B ). As per this section, information that has been reported inaccurately or can not be verified must be removed from the credit report. Since XXXX XXXX claims that I owe the debt to them, it indicates an inconsistency in the reporting and raises questions about the accuracy of the information.
Product: Credit card or prepaid card

Inaccurately reporting and processing payments. Also erroneously manipulation data on payments made towards the account. Capital one also abusing fraud tools by falsely flagging my account
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

We bought into a XXXX membership and they had us go through Universal Account Servicing LLC to finance the membership. We bought in on XX/XX/XXXX planning on using the membership in the future. This XX/XX/XXXX we went to use XXXX and found out they closed all their locations in New England in XX/XX/XXXX. When I found out the showrooms all were closed I contacted XXXX and informed them I believe the franchise owner knew he was closing all his showrooms ( 3 months ) and sold us a membership anyway. I informed XXXX the reason we bought in was the showroom and advisers, which now we did not have access to. At first XXXX would not cancel the membership. I contacted the Attorney General Office and filed a complaint. When I informed XXXX I filed a complaint with the AGO they Pro Rated a refund/cancellation. After the settlement I spoke with AGO and I was informed there were other complaints with XXXX. while speaking with AGO I mentioned that our credit rating was poor and we were turned down for every credit card and credit purchase. I asked about how we were able to get a {$4000.00} loan when we have been turned down by every other company, AGO said I should contact the Banking Commission. I am contacting you because I fell this was a planned scam. And if you have any other complains with Universal Accounting Servicing LLC.
Product: Debt collection

I am disputing a debt that has already been paid in full with Wakefield and Associates. I sent a USPS-certified letter of debt validation and dispute with a court copy of the account paid in full. XXXX XXXX signed the delivery slip of my certified letter, showing delivery of my letter. Wakefield never contacted me, never sent any debt validation, and have started reporting negatively on my credit since XXXX of 2023.
Product: Debt collection

On XXXX XXXX this collection account was added to my XXXX  credit report and I have no idea who this company is I have never done business with them and do not owe them any money. The amount is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX, and I am submitting this complaint without error or influence of any third party agency. Please see my attached documentation as it contains my request
Product: Credit reporting or other personal consumer reports

My account with USAA FSB was never late! I have had exceptional payment history with USAA FSB and all payments were placed on Autopay. 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 XX/XX/year> and XX/XX/year> to XX/XX/year> 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


USAA FSB Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  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 card

On XXXX XXXX, 2016 I mistakenly made a payment of {$1300.00} to a closed Citi card ending in XXXX. I have called and requested a refund a number of times. Each time I call I am told something different. I have been told that my checking account was refunded on XXXX XXXX, 2016, XXXX XXXX, 2016, and XXXX XXXX, 2016. None of this is true. When I call ( at least 15 or 20 times ) I am told someone who can help me will call back in 24 to 72 hours, I have only received on call back on Sunday XXXX XXXX, 2016 from XXXX on team XXXX at ( XXXX ) XXXX. We talked about the lack of my refund, she said she would call my bank and get back to me in 24 to 48 hours. She has not gotten back to me in 8 days. I have called the ( XXXX ) XXXX number back twice and left messages, no returned calls.
Product: Consumer Loan

Santander Bank repossessed my 2009 XXXX XXXX after I was unable to make payments due to job lost. The vehicle was sold. Now they are trying to collect the deficiency balance which they are stating are XXXX different balance XXXX amount is {$9500.00} and the other amount that they want is {$5600.00}. How are they able to do this they have taken the car sold it and now they want more money from me and I am still in finanacial ruins. Please help me sort through this as all my calls have amounted with dealing with Santander and a collection agency that has threatened me with ruining my credit, they stated that they will get a judgment against me and take all my money and leave me with nothing. Santander has gone on my Credit Reports and has changed the amounts on all three Credit Bureau Agencies from owing {$0.00} to {$9500.00} to {$5400.00} to {$5600.00} all in the month of XXXX. Something is very wrong and I want this to stop now.