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

I, XXXX XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below.

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed
Product: Checking or savings account

in XXXX  i made fraud claims and none of them were taken care of i made one for {$500.00} and another one for XXXX that was made with my account i never received my money back i was also told that i would get the extra XXXX from becoming a new customer i never recived that either
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been disputing XXXX for a balance of XXXX for what seems like forever they allowed someone who couldn't have shown identification to get service and want me to pay for it it's unfair for me to be paying for there mistake and to have it on my report
Product: Credit reporting

On my Equifax Credit Report, the account " XXXX XXXX Bank '' should totally be removed. It was already removed from XXXX but for some reason Equifax has n't removed it yet. I received a letter in the mail a while back saying they would remove the account from all XXXX credit bureaus and I simply need your help in getting this issue resolved as soon as possible. Thank you in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting a charge off for XXXX XXXX XXXX That same reporting that is listing the account as a charge off also shows a balance of XXXX. The account itself was not mine to begin with. But there is clearly a flaw in their investigation when the account shows both charge off and an amount of XXXX. If there is no money owed on this account, it should not be listed as a charge off. You cant have a charge off for a XXXX dollar amount. Every time its updated theres a different remark with another item that is incorrect. As a matter fact, the trade line is now showing a charge off for the month of XX/XX/2023. When prior to this this account was many years old.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I sent an int'l wire from my local Truist branch. The staff member used the wrong intermediary bank and I am too inexperienced to have noticed. The money is stuck at XXXX XXXX. I learned this when the receiver informed me the next week they did not receive the wire. Since then, I have visited the branch, made 7 phone calls, and sent 8 emails to either the branch manager or their client resolution specialist. The CRS has never responded to either VM or email - in three weeks. The branch manager told me the return of my money was in process and that she would confirm details within 24 hours - that was 9 days ago. They have had my XXXX for over a month now- they have dodged my efforts to get it back. I am in trouble now with cashflow, as I had to send a second wire.
Product: Mortgage

I submitted a complaint to CFPB regarding a foreclosure reporting issue with the Shellpoint Mortgage. The complaint was filed and Shellpoint Mortgage submitted a response and CFPB closed the complaint. The day I received the response from Shellpoint I noticed that there were many errors in their response to CFPB and I submitted a complaint regarding the errors along with documentation showing the errors Shellpoint provided to CFPB however CFPB thought this was the same complaint and not a response showing omissions and errors sent by Shellpoint to CPFB. Shellpiont completed a foreclosure on a property and the property was purchased at the sale for {$80000.00}. Shellpoint did not do any appraisal on the property or obtain a current market value. Over 90 days after the sale they had a real estate agent list the property and Shellpoint is using the real estate listing paperwork as the current market value and not an appraisal. The issues are that this was done in New York over 90 days after the foreclosure sale and the appraisal paperwork sent to CFPB by Shellpoint is not an appraisal but part of the real estate agents listing. If you look at the paperwork provided by Shellpoint to CFPB It even shows that the interior of the property was not inspected. It also shows the listing was ordered 90 days after the foreclosure purchase.
Product: Checking or savings account

Key Bank opened duplicate checking and savings accounts in my name in XXXX of 2022 as well as incentivized me to open the accounts with a promise of {$300.00} if I set up direct deposit. To date the {$300.00} incentive has not been received and only the duplicate checking account was deleted. I still have XXXX active savings accounts despite bringing this to the attention of XXXX customer service associates and the bank branch manager. I have been requesting and following up on the status of my {$300.00} marketing incentive that was due to me no later than XXXX. It is now XXXX and the bank branch was initially unresponsive until I contacted their corporate headquarters. I now have a Supervisor with corporate following up as of last week however, as of this week my {$300.00} incentive has still not been deposited to my account. In addition to these errors, my accounts were opened with a misspelling of my name and wrong birthdate used resulting in a fraud alert freezing my account. These errors were resolved after XXXX in-person trips to the bank branch, multiple emails and phone calls. Lastly, I wrote a check in XXXX that was made out for {$950.00}. Rather than release {$950.00} from my account, my check was only cashed for {$150.00}. Well over a month passed before this error was identified and my account was randomly overdrawn for the difference of {$800.00} with no communication with me as to why this error was made and how they intended to correct it which I believe violates some sort of regulation with timely corrections to erroneous withdrawals.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I brought a copy of the FTC report, it was determined that credit bureaus are not obstructing records. Because it is required by FCRA regulation 605b, I am sending this Complaint to assist in laying out a legal response. If you choose not to impede the following items listed beneath they are responding incorrectly as a result of fraud. The following items must be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$2200.00} XXXX XXXX XXXX XXXX Balance Owed : {$240.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Owed : {$7300.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$2200.00} XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$240.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed XXXX {$7300.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$660.00} XXXX XXXXXXXX Balance Owed : {$710.00} XXXX XXXX XXXXXXXX Balance Owed : {$710.00} XXXX XXXX XXXX XXXX Balance Owed : {$570.00} XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$2200.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$630.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$120.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting incorrect lates on my credit file. They are reporting Lates on my credit for a service they never provided. I have contacted them and they admitted their fault and said they would refund me around {$500.00}. I have received the refund, yet they continue to report these erroneous lates on my credit file. They are in violation and i'm requested kindly that they remove these lates off of my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Department of XXXX student loan and XXXX XXXX XXXX these accounts are fraudulent I did not authorize this or give authorization
Product: Credit reporting

There is a discharged Chapter XXXX Bankruptcy that is on my Experian Credit Reports that does not belong to me. I have disputed several times with Experian and they continue to verify. I have inquired to both for the verification information ( how it was verified and who verified it ) and they have failed to supply this to me. After looking up the Bankruptcy ( public information ) that is reporting on my file, it looks like it is someone with a similar name. I have never lived, nor do I know anything about the address that is associated to the Bankruptcy. If they are using other means to verify, I need to be informed so I can show proof that this public record does not belong to me.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Cease and Desist Notice for Violation of Consumer Rights Under the FDCPA To Whom It May Concern : This letter serves as a formal cease and desist notice regarding XXXX XXXX XXXX violations of my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. Your actions have caused undue harm and distress, and I am demanding immediate cessation of all improper debt collection activities directed at me.

Violations of the FDCPA Your organization has engaged in actions that constitute a direct violation of my consumer rights under the FDCPA, including but not limited to the following : Harassment ( 15 U.S.C. 1692d ) : You or your agents have engaged in conduct intended to harass, oppress, or abuse me in connection with the alleged debt. This includes [ describe specific instances, e.g., excessive phone calls, threats, or intimidation tactics ].

False or Misleading Representations ( 15 U.S.C. 1692e ) : You have made false or misleading statements regarding the nature, amount, or legal status of the alleged debt. For example, [ describe specific instance, e.g., providing incorrect balances or threatening legal action that was not permissible ].

Unfair Practices ( 15 U.S.C. 1692f ) : Your company has employed unfair or unconscionable means to collect the alleged debt, including [ describe specific instance, e.g., attempting to collect fees not authorized by the agreement or law ].

Failure to Validate the Debt ( 15 U.S.C. 1692g ) : You have failed to provide adequate validation of the alleged debt after I requested verification, as required under the FDCPA.

Demand for Immediate Action Pursuant to 15 U.S.C. 1692c ( c ), I am hereby instructing XXXX XXXX XXXX to cease and desist all communication with me regarding the alleged debt. This includes, but is not limited to, phone calls, letters, emails, or any other form of contact including reporting misleading information to all the credit bureaus. 

Additionally, I demand : A full investigation into your companys practices regarding the alleged debt. 
Immediate cessation of any reporting of this debt to credit bureaus until proper validation has been provided.

Removal of any inaccurate or misleading information already reported regarding this alleged debt.

Legal Notice Be advised that failure to comply with this cease and desist notice will result in further action, including but not limited to filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office. Additionally, I reserve the right to pursue legal remedies to protect my rights, including seeking damages for harm caused by your violations of the FDCPA.

Please confirm in writing that your company will comply with this notice and cease all collection activities immediately. Failure to adhere to this request may result in further escalation. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

Synchrony bank is charging me {$50.00} for a gift card I did not receive. I have explained the problem to different people at Synchrony They write me generic letters. First that they need up to two billing cycles to investigate. Second letter gives me 20 days to provide evidence that was already provided or complaint will be disregarded. I am lead me to believe they do not know what is going on at all.
Product: Money transfer, virtual currency, or money service

Commencing on or about Back in XX/XX/2021, I had a sale on XXXX to go through to Coinbase and the XXXX is gone which is equivalent to XXXX USD, however, and unfortunately, Coinbase claims that the assets never arrived at my Coinbase account, which is completely lying.
Product: Debt collection

Comenity Bank - they call no less than 5x a day, have contacted my husband several times, my sister-in-law, my mother-in-law, etc. I have asked them several times to quit calling other people to contact me, I've also sent documentation showing the account as paid and the debt not owed. PLEASE HELP ME MAKE IT STOP! They are ruining my relationships and my reputation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Credit report from XX/XX/XXXX shows this account was closed on XXXX and will be removed on XX/XX/XXXX. The next report I pulled shows this account was closed on XXXX and will be removed on XXXX. I have reached out to the company and the credit bureaus to remove this information from my credit report as it is being reported inaccurately and as of today XX/XX/XXXX it is still not removed. 

XXXX XXXX XXXX - This account is reporting a date opened of XX/XX/XXXX and date of last activity of XX/XX/XXXX. This account is reporting inaccurate information. I have reached out to the company and the credit bureaus to remove from my credit report and as of today XX/XX/XXXX it is still not removed. 

XXXX XXXX XXXX XXXX XXXX - This account is reporting a date opened of XX/XX/XXXX and date of last activity of XX/XX/XXXX. This account is reporting inaccurate information. I have reached out to the company and the credit bureaus to remove from my credit report and as of today XX/XX/XXXX it is still not removed. 

By the provisions of the Fair Credit Reporting Act, these items should not be on my credit report as they are reporting inaccurate information.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am filing this complaint against the credit bureaus for failing to properly address issues with my XXXX account reporting, and I request immediate investigation and resolution. Additionally, I request that the following statement be added to my XXXX account : " Paid in full, including all fees, but XXXX never provided proper debt validation or a complete breakdown of charges, despite multiple requests. This occurred during XXXX. I was assured the account would be removed from my credit report after payment, but XXXX did not honor this agreement. '' Details of the Issue : Failure to Provide XXXX XXXX : XXXX did not provide proper debt validation or a complete breakdown of the charges on the account, despite my repeated requests. 
This lack of transparency caused significant stress, particularly as this issue arose during the XXXX pandemic. 
Payment Made in Full : Despite the lack of validation, I paid the account in full, including additional fees and charges. 
I was explicitly told by XXXX that the account would be removed from my credit report once the payment was completed. 
Failure to Remove the Account : XXXX did not follow through on their assurance to remove the account from my credit report after payment. This constitutes a breach of their promise and has negatively impacted my credit score and financial standing. 
Credit Bureaus XXXX XXXX XXXX : Despite my disputes and requests, the credit bureaus have failed to properly investigate this issue or resolve the inaccuracies in the reporting of my XXXX account. 
XXXX XXXX : I request the following actions : XXXX XXXX : Ensure that the above statement is added to my XXXX account reporting to accurately reflect the situation. 
Thorough Investigation : XXXX XXXX to conduct a thorough investigation into this matter, including validation of the debt, a breakdown of all charges, and the circumstances surrounding their failure to remove the account as promised. 
Account Removal : Remove the XXXX account from my credit report, as I was assured it would be, following payment in full. 
Compensation : Investigate and hold XXXX accountable for their actions, including compensation for the stress, financial harm, and breach of their agreement during a time of hardship. 
Credit Bureau XXXX : Ensure that the credit bureaus are compliant with their obligations under the FCRA to investigate disputes and report accurate information. 
I trust the CFPB will investigate this matter thoroughly and take the necessary steps to ensure my rights as a consumer are upheld. 

Thank you for your attention and action on this matter.
Product: Credit card or prepaid card

I received notification that all my account with Chase will be closed. Including checking and XXXX credit cards. I have never been late on any of my payments, and do not have any idea why they closed my accounts. Mostly pay off the card in full each month. When I call the bank they will not provide a reason and just read off a generic message. I do not understand how Chase gets away with closing accounts for no reason, destroying peoples credit and don't provide an opportunity to explain whatever their algorithm deemed dangerous or whatever. 

I completely understand if there was something illegal done, but I have not done anything wrong or illegal. I demand an explanation! And CFPB needs to investigate Chase for their practices that harm peoples credit. Just in my circle of people I know at least XXXX other people that this has happened too. That's way to many people for this to be a random act. As one of the biggest credit providers in USA, Chase can not and should not be able to have a say in just closing down accounts for whatever reason they see fit.
Product: Credit reporting

I have contacted The Court, they said it was an computer error that reported me having bankruptcy for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The court said they did not verify or validated information, see attached letter
Product: Credit reporting or other personal consumer reports

Won't remove the on authorized increase because they claim I'm using the third-party company which I am not. I'm the one and the only person that's repair my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Captial one credit card Open XX/XX/2018 Its not reporting on my credit report For all three credit companies Plus my users on they report
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX and Transunion Credit Bureaus XX/XX/XXXX to update this suspicious information. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.

I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complain, and I'm including it again. XXXXXXXX XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$7900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal complaint regarding inaccurate information on my credit report, which I reported to Equifax on XX/XX/XXXX. Despite my initial communication, Equifax has not responded, and the following discrepancies remain unresolved. I am seeking your assistance in rectifying these issues and ensuring compliance with federal law. 
The inaccurate information on my credit report is as follows : The information indicating a late payment for the accounts XXXX  XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$450.00} ), XXXX  XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$26.00} ), XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$1000.00} ) is incorrect. I request Equifax to correct this inaccurate information on my credit report. 

The accounts XXXX XXXX  ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$1000.00} ), XXXX  XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$680.00} ), XXXX  ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$600.00}, Original Creditor : XXXX  ) do not belong to me. I request Equifax to remove them from my credit report.
Product: Debt collection

This gym named XXXX XXXX is accusing me of signing up for there gym and continuing to work out which is false! I never signed up for the program there talking about and now they have passed my debt to a collection agency which is trying to get money I dont owe!
Product: Debt collection

Im receiving phone calls from XXXX about a debt that does not belong to me and is not even my name. I have told them they are calling the wrong number. They called 3 times yesterday, and just called this morning at XXXX XXXX, Sunday morning, XXXX XXXX. This debt belongs to someone else and this company is telling me information about that persons debt. I asked the persons name this morning and told her I was reporting this company. She stated her name is XXXX XXXX, which Im quite certain is a fake name, considering this person had a very strong XXXX accent. I would like this company fined. Im planning on filing a lawsuit. From what I understand this company will be required to pay {$1000.00} for violating the rules. Especially considering this is not even my debt and they just ruined my XXXX XXXX, and Im a mother.