23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2018 RBC Inc. put a negative mark on my credit report account. This was a medical bill that was not presented to me in any form of communication formatting. I found out thru pulling my credit report that there was a negative remark by the name of RBC Inc . I tried calling the company but could not find any contact information on the company. This negative mark affected all 3 of the bureaus and has greatly lowered my score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously notified your company of incorrect information on my personal credit report that was due to fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been reporting late payments on my credit for two years On XX/XX/XXXX they had them removed 59 late payments on XX/XX/XXXX XXXX and transunion ended my dispute against XXXX stating that XXXX verified the payments as correct and they were all put back on my credit cause a huge drop then they reported it as when they did there monthly reporting it deleted the past due payments however I have documentation from XXXX and transunion stating that isnt the case thay XXXX  verified the debt as correct and put the late payments back on I believe XXXX is in the middle of a cover up I would like to file a complaint against XXXX XXXX and transunion for breaking the law and putting fraudulent information on my credit I would like a full investigation
Product: Checking or savings account

Marcus by Goldman Sachs refuses to transfer my money to any other bank. I've called them 4 times and finally spoke to the Fraud department. He asked to verify my Driver license number and I gave it to him. He said it's wrong and he refused any other assistance and hung up on me. I am completely unable to access my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

My car was repod on XX/XX/XXXX ... i payed to retrieve my car on XX/XX/XXXX. Was unable to physically pick up my car until XX/XX/XXXX bc my car was shipped to auction with the intent to sell prematurely. After getting the run around and having property stolen out of my car which a police report was filed. I was still within my 15 days of redemption. The finance company credit acceptance corporation reported on XX/XX/XXXX that the account was closed and a reposession was placed on my credit report. After i spoke with them repeatedly during the XX/XX/XXXX-XX/XX/XXXX time frame and treated like i personally stoke money owed each rep they said the account was still open and now i have {$3000.00} additional added to my already high car loan and when Im only late around {$1400.00} and i paid {$560.00} to get my car back. This is legit a predatory lender and they lie to get the funds they want. Im already paying extremely too much for a car that was a lemon when they financed it and have spent well over {$2000.00} in the last 3 months to fix it. Regardless of late payments i dont need incorrect information reported on my credit report. I would like this resolved just as quickly as it was reported. Since yall were so quick to try and sell my car before my time was up. I already called and was to have someone in credit reporting look into it yet all i get was remarks. No the loan is still open and i would like it reported accordingly.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute the inaccurate reporting and unlawful balance of {$2300.00} on the above-referenced account, which has already been charged off and fully paid. Capital Ones actions of reporting this balance and late payments, despite the account being settled, violate multiple federal laws, and I demand immediate removal of this account from my credit report.

Per federal law : 1. Under the Fair Credit Reporting Act ( FCRA ), Section 623 ( a ) ( 1 ) : Furnishers of credit information are required to report accurate information. Reporting this account as unpaid or showing a balance is a direct violation of this requirement.

2. Under the Fair Debt Collection Practices Act ( FDCPA ), Section 807 : It is unlawful to misrepresent the amount, character, or legal status of a debt. Reporting or attempting to collect on a debt that is no longer owed constitutes a clear breach of this statute.

3. Under the FCRA, Section 611 ( a ) : I have the right to dispute inaccurate or unverifiable information, and you are required to conduct a thorough investigation. Failure to validate the current balance or provide documentation proving its accuracy requires immediate deletion of this information. 

This account is no longer legally enforceable. Continuing to report it with a balance or late payments, or implying I still owe money, is not only unethical but also illegal. 

I demand the following actions immediately : Removal of the {$2300.00} balance and all associated late payments from my account history. 
Complete deletion of this charged-off account from my credit report. 

Should XXXX XXXX fail to resolve this matter within 30 days, I will file formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) and pursue legal action for your violations of the FDCPA and FCRA. 

Please confirm in writing within 30 days that this matter has been resolved and that the account has been deleted from my credit report. I have included supporting documentation, including proof of payment, for your review. 

Failure to comply with federal law in this matter will leave me no choice but to escalate this issue further.
Product: Debt collection

Midland Funding has placed a account on my credit and the account was not verified before it was placed on my credit. I have contacted them several times and I have not received a response.
Product: Checking or savings account

Wells Fargo atm ate up my money and wont return it. This incident happened on the XX/XX/XXXX, between XXXX XXXX-XXXX XXXX  and the total amount is {$2100.00}. 

I had {$4500.00} cash which I was depositing. I used the wallet app on my XXXX and used the tap feature that was on the ATM. I put in around {$2200.00} and It was raining heavy and the bills got a little wet, so the ATM was trying to return some of the bills back. It returned 3 bills of {$20.00} and then the thing jammed on me. It was trying to return more bills but it couldnt and after 5 minutes of it trying, it just jammed up, and an error popped up The ATM can not accept any deposits at the moment. It did not provide me with any confirmation or any receipts. I went inside the bank immediately, told the bank teller about it and they told me that they couldnt do anything because the ATM was not serviced by them. They told me to call the 1800 number and submit a claim, which I did. I deposited the rest of the money I had inside the bank. 

I submitted the claim at XXXX XXXX  on XX/XX/XXXX, but they messed up the first claim, they put in the wrong amount and then a week later I had to make another claim, on XX/XX/XXXX with the correct amount. I double checked everything so that there werent any mistakes this time. Fast forward to today ( XX/XX/XXXX ) they told me that my claim was denied because they couldnt find any transaction on my account. I put in a request again and they asked me the location and the ATM ID which I provided to them. 

The location of this Wells Fargo is XXXX XXXX XXXX, XXXX, AL, XXXX. The ATM number is XXXX. The total amount of money that was jammed in the ATM is {$2100.00}. The ATM had a camera on it and along with that, I went inside the bank to talk to them as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was asked by Chase bank to give my SSN, as part of the Chase process for a credit card application for a Business. I communicated to Chase bank the card is for a Business, and the Business is its own multi member corp, trading for tax purposes as a corp due to multi member. The banker at Chase, assured me the CREDIT card is under the name and federal EIN of the business, and my perosnal credit report, will not be affected. The bank lied. Now three years on the Company who owns the credit card, is in a court lawsuit. Littigation is before a judge, in AZ superior court of law. Arizona civil court file number XXXX XXXX Civil court. Link here. XXXX : XXXX caseNumber=XXXX Due to legal advice, and circumstances, the company XXXX XXXX XXXX represented by a Securities attorney for white coller crime XXXX XXXX whos name also appears on the Docket number, has told XXXX XXXX XXXX not to pay credit card, as conflict dispute exists in court between the Business vendor, the debts on the card, were acrrrued on behalf of. XXXX XXXX XXXX ... and the Business, XXXX XXXX XXXX. 

Chase despite making representations my credit will not be affected, has gone ahead, and reported the Business credit card for XXXX XXXX XXXX, XXXX as a personal individual debt, to at least XXXX and transunion as {$10000.00} owing and unpaid. This is AGAINST the law. Potentially all three credit agencies have miss information being presented to them by chase and agencies are XXXX aware of the false report on my credit as delinqunet and past due, on a " Company credit card '' chase is reporting as PERSONAL. Chase is markng it as an unpaid personal debt - on a {$10000.00} credit card under my name, when the ACCOUNT itself with Chase card services is under XXXX XXXX XXXX and in leagel dispute in Court of Law. " XXXX XXXX XXXX XXXX '' the debt belongs to not me. This is unethical practice by a bank. In addation credit agencies have FAILED to validate the name on the Credit card account and are reporting it as XXXX XXXX, when it is in fact a Business card not a personal card at all. Also, I live in California, a state where chase was successfully sued and lost in the lawsuit for calling its customers on Cell, in conflict with California state laws. Despite advising chase, I do not want to be called on my Cell, and I live in California Chase continue to call me. This is unlawfull, as I have withdrawn all consent for Chase to call me on a personal cell.
Product: Mortgage

Late on one payment XX/XX/XXXX made up payment XX/XX/XXXX made extra payment XX/XX/XXXX 7 years after being 2weeks late on one payment now said we owe 4,000 plus on late fees stating we are late every month, not one time 150 plus faxes with proof we never missed payment. It was late once, have copies of money orders they split up to unapplied funds for 2 months. In XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXXput it were they put payments unapplied. Putting my account behined, I 've never spoke to same person, 7 years of this stress. Ca n't handle anymore now they are raising our mortgage again. Filed for modification 3 times, each time denied. Was told by last case manager that we would be stupid to open up this can of worms, that is what I Was told. Then sends me paperwork of payments and says you 're wrong. Case closed even though the extra payments were there they still deny. They messed up.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX/Equifax/XXXX  XXXX XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : 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 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 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

Subject : Dispute of Incorrect Collection Status on My Credit Report Disputed account : XXXX XXXX XXXX open date : XXXX XXXX, XXXX  Dear Sir/Madam, I hope this letter finds you well. I am writing to formally dispute an erroneous account status that is currently being reported on my credit report. Specifically, I am disputing the status of my auto loan account, which was held with XXXX XXXX, as it is inaccurately listed as being in collection with a balance of {$0.00}. I believe this information is not only incorrect but also damaging my credit profile, and I kindly request your assistance in rectifying this issue. 

The details of the situation are as follows : In XX/XX/, I was involved in a significant accident resulting in a total loss of my vehicle, which had been financed through XXXX XXXX. Despite the loss, I continued to make my monthly payments on the auto loan to ensure that my payment history remained unblemished. 

I maintained these monthly payments through XXXX, XXXX, XXXX, and XXXX, even though I no longer possessed the vehicle. My intention was to prevent any late payment notations on my credit report, demonstrating my commitment to fulfilling my financial obligations. 

In XXXX, my insurance company, XXXX, officially confirmed that they had settled the outstanding balance of the auto loan. As a result, I ceased making monthly payments to XXXX XXXX. 

In XXXX, I received a refund from XXXX XXXX  for the payments I had made beyond the date when the insurance company had covered the balance. This refund confirmed that my financial obligations were indeed met, and there was no remaining debt. 

It has come to my attention that despite the timely and responsible nature of my payments, my credit report indicates that this account is in collection with a {$0.00} balance. This inaccurate representation is severely affecting my credit score and overall creditworthiness. 

I kindly request that you promptly investigate and rectify this situation. The account should reflect its accurate status as a closed auto loan with a XXXX balance, as it is not, and has never been, a collection account. I believe that this correction is essential in restoring the integrity of my credit report and ensuring that my credit score accurately reflects my responsible financial behavior. 

I have attached supporting documentation, including proof of the insurance settlement and the refund received from XXXX XXXX, to substantiate my dispute. Please review this evidence carefully and update my credit report accordingly. 

Thank you for your prompt attention to this issue, and I look forward to a favorable resolution.
Product: Credit card or prepaid card

I recently discovered XX/XX/XXXX that I fell victim to EDD fraud in XXXX. I discovered this accidentally, but Im glad I did. I have filed a police report, made a hand written statement and provided my identification to Bank of America EDD claims. There is no time limit on fraud. If I would have known sooner, I would have reported it sooner, but I reported it as soon as I found out. Someone was in complete possession of my card that I had no idea had even been issued out, with a complete payment history. I filed a claim with Bank of America claims immediately it is now been 24 business days and I have been denied provisional credit and I have been told it will take more than 90 days to complete this investigation. This was money that was rightfully mine and was stolen from me. I provided all that I can as far as a police report, my hand written, statement and identification. I have not had any correspondence from them via mail, phone or email. I was told I would receive provisional credit after 10 days. As I am facing hardship, and the money is rightfully mine. It has now been 24 business days and there has been no update on the case. In fact, an agent on the phone told me they havent done anything and they can give me a provisional credit while they investigate because it will take so long but they havent. I am already having a hard time knowing that all of this money was taken from me and I know that they will come to find that out. Its only a matter of time, but in the meantime, I really needed that money then and I need it now and I dont think its right that they will not offer me even half provisionary credit during the time of their investigation that may take over three months And are not providing any kind of solution or compromise for me.
Product: Credit reporting or other personal consumer reports

Date : XX/XX/XXXX Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX Ga, XXXX DOB : XX/XX/XXXX SSN : XXXX I recently obtained a copy of my credit report from your services and found the following items to be an error. 

Creditors Account Name and Number : XXXX XXXX XXXX XXXX XXXX  XXXX These are the same accounts on my credit report that was removed, how can they report on my credit same account XXXX different creditors. This is an improper use of my credit and should be removed right away. 


According to section 15 U.S. Code 1692g ( Validation of debts ).

1. I want all creditors to send me a detailed list of the history of payments made by me on this account.

2. I want to see the signature that I put on a contract guaranteeing that I would pay this creditor.

3. Im asking to see has there been any insurance claim filed on this debt.

4. I want proof that you have the chain of title to collect on this debt.

15 U.S. Code 1692c ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes thedebt collector to cease furthercommunication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.

In addition, Im requesting a description on how the investigation was conducted along with the name, address, telephone number of anyone contacted for information. Furthermore, if there is a change in my credit history resulting from this investigation, i am requesting that an updated report be sent to those who received my report within the last XXXX years or employment purposes, or any purpose. 

Thank you for your prompt attention in this matter. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to convey a sense of urgency and frustration regarding the fraudulent accounts that have infiltrated my credit report. It is crucial that you take prompt and decisive action to address this issue, as it is severely impacting my financial well-being. I hold Transunion accountable for allowing these errors to persist. Despite my persistent efforts to seek justice and resolution, these fraudulent accounts persist on my credit profile, causing significant harm to my financial reputation. I am not simply requesting, but rather demanding that Transunion conduct an immediate and thorough investigation into these disputed accounts, remove them from my credit report, and provide me with an updated credit report that accurately reflects my creditworthiness. 

XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX
Product: Mortgage

I recently completed a refinance/debt consolidation with Freedom Mortgage in 2022. After several hiccups, the process was in line to complete. I was told by Freedom Mortgage, there would be no cost to me except cost of appraisals. I refinanced with Freedom a year or XXXX ( XXXX ) earlier to get a lower interest rate and reduced monthly mortgage and because of previous refinancing, I had over {$7000.00} in escrow. When closing on the 2022 refinancing, Freedom took close to {$3800.00} from my escrow to close on my current refinancing in 2022. The {$3800.00} plus was listed as a credit on my forms and I was under the impression from the Freedom Rep, that credit would come to me. Freedom Mortgage never told me I would have to fund closing my loan, much less they would take money from my escrow to complete. I felt this was deliberately done to put a few thousands dollars back into the mortgage company. I've spoke with Freedom Mortgage reps several times expressing my disappointment, but to no resolve.
Product: Vehicle loan or lease

Im a XXXX who had a joint account with my sister.She had a car loan with XXXX XXXX but was having problems with the car and wasnt able to make payment due to the expensive of the car to repair it so she spoke with them and told them about the issue and the car was no good and the repair was to expensive.She talked to the lender and the agreed to come get the car.The car is now in possession of the lender and she no longer has the car but is still being charged for another months payment and its reporting on credit report when she already sent the car back a month ago.This is effecting my credit bad and I dont think I should be getting charged and she doesnt have the car no more.So this company is reporting a negative payment history about a payment thats inaccurate that Ive disputed but they wont take off my credit.
Product: Debt collection

I received a letter in the mail from XXXX XXXX XXXXXXXX XXXX XXXX a law firm, informing me that I am being sued by a company called Jefferson Capital. The company has never reached out to me informing me that I was going to be sued and when I tried to call the company years back to setup a payment plan, they were not of any help as I kept getting hung up on or put on hold for several minutes.
Product: Debt collection

Continuation of previous complaint : Go Financial has sent correspondence to my disputes and complaints with the credit bureaus, BBB, and CFPB. The information they sent continues to show proof of several violations and discrepancies with this invalidated debt. Go Financial states on the Redemption and reinstate form that the vehicle was repossessed on XX/XX/16, however they state on another document that it was repossessed on XX/XX/16. The notice that they are required to send me per NC law about the sell of the vehicle is dated XX/XX/16 and XX/XX/16 on another document. This notice was never received by me which suggests that it was possibly forged to serve this purpose. Per NC law they are required to notify me of the date, time and place of the sell of the vehicle if it was sold at an auction. Their letter states that I was notified that the vehicle will be sold at anytime within 10 days of the letter at a private sale, but continues to read that it was actually sold at an auction in which they never notified me of the date, time, or location -- the location on their documents only notify me of where the vehicle was being stored. Their failure to provide this information conflicts with NC State Law which decides what a creditor can and cant do. ( NCGS ) On the explanation of deficiency they lists that I owe XXXX without fees, but they are reporting a different amount on my credit report which they have never sent me a breakdown reflecting the new charges. I find this company to be in violation of my rights under the FCRA. They have failed at providing me with accurate, clear, or validated information. Even with so many discrepancies they continue to report as accurate on my credit reports after investigation. With so many discrepancies directly from them, there is no way to validate what is accurate. They have also violated the laws of NC by being unable to provide any receipts or verifiable information that they notified me specifically about the sale of the vehicle to provide me with an opportunity to attend the sale.