23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This is not my collection or account it has been taken off my credit report on 4 different occasions. Collection companies continue reporting this collection to the credit report without proof. Proof and signatures of this debt have been requested on 5 different occasions and XXXX evidence has been provided. Credit Bureaus continue to allow this invalid debt in my credit report.
Product: Checking or savings account

Getting denied at banks after bank of America which they froze my account with no explanation
Product: Credit reporting or other personal consumer reports

This complaint is in regards to the consumer report belonging to XXXX XXXX XXXX XXXX. I have notified XXXX of this matter by phone and was hung up on by an agent of XXXX. There are inaccurate phone numbers and employers being reported to XXXX XXXX XXXX XXXX consumer report. The employers XXXX and XXXX XXXX is inaccurate information being reported to XXXX XXXX XXXX XXXX consumer report. I did not receive income from these companies and I was not employed by neither XXXX or XXXX XXXX. The phone numbers XXXX and XXXX are not my current or past phone numbers. This information being reported to my consumer report is inaccurate. These addresses and phone numbers I have included in this complaint is not mines. I did not authorize these employers or phone numbers to be added to my consumer report The FCRA states that credit reporting agencies need my authorization to add anything to XXXX XXXX XXXX XXXX consumer report. 15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
They need your written consent to add anything to your consumer report if you did not give this authorization that is a violation of the Fair Credit Reporting Act P.L 90-321 ( 82 Stat. 146 ) which is law law that backes the code is even stricter as it states that any agency can only get your report in response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ) I have stated earlier in this notice that these employers and phone numbers are not mines. 
12 CFR 1022.3 Definitions Identity theft means a fraud committed or attempted using the identifying information of another person without authority. 
Anything added to your report without your written consent or authority could be considered Identity theft I am demanding that the credit reporting agencies XXXX, XXXX, and EQUIFAX remove these inaccurate employers ( XXXX and XXXX ) and phone numbers ( XXXX and XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

On/or about XXXX, XXXX, I pulled my credit report and going over, I found out multiple accounts that did not belong to me, knowing this I did my own research and started disputing the incorrect information. As of today XXXX XXXX, XXXX  & TRANSUNION, have been refuse to remove an alleged bankruptcy that I never filed and listed below : Reported on XXXX, Alleged court name : US BKT CT NJ XXXX, type : Bankruptcy Chapter XXXXDischarged with an alleged reference # : XXXX, allegedly filed on XX/XX/XXXX. 

Reported on TRANSUNION, Alleged court name : U.S. Bankruptcy Court, type : Chapter XXXX Bankruptcy Discharged with an alleged reference # : XXXX, allegedly filed on XX/XX/XXXX.
Product: Credit card

After granting me a Care Credit card, Synchrony Bank checked my credit report 2 months after I paid off the card my balance and, stating that my credit no longer " met their terms '', they closed my account after less than 18 months. Nowhere in my terms and conditions of the agreement did it state that I had to maintain a certain level of credit worthiness in order to keep the card. In the terms and agreement, it stated that they may periodically check my credit in order to review, maintain, and collect on my account. I have never been late or missed a payment. I have used less than 50 % of the total available credit of the credit given. Because of my history with the company, there was no justifiable reason for their closing my account, causing my debt to income ratio to increase, resulting in a further drop in my credit score. When I called Synchrony/CareCredit to inquire about this, they stated that it was " standard practice ''. Yet, I was never advised of this practice, nor given a " warning '' of how my current outside financial situation would hurt my good standing with my Care Credit card. 
Once I received the letter from the company, informing me of their decision to close my account, I contacted them, via phone, to ask them specifically what the logic was behind closing the account and told them the ramifications to my credit score and file their actions would have. I was advised by a supervisor that it is their common practice to close accounts when a consumer no longer meets their credit criteria to hold the account, nevermind that it is not listed in the terms and conditions. I, again, advised the supervisor that closing my account will cause my credit score to plummet and asked her to explain to me how her company 's actions can not be seen as a having a negative effect on me especially since I have never violated any of the credit terms and agreements to warrant the closure.
Product: Credit card or prepaid card

We are a small corner business and we sell beer/cigarettes/grocery. 

We recently received a dispute from our credit card processing company that a purchase was fraudulent. We attempted to dispute it with Heartland, however they continued to charge us. Essentially, we were charged yet again for the purchase. 

This purchase was made by the customer via entry into the pin pad for XXXX on XX/XX/23 and today XX/XX/23 we were informed that the charge was fraudulent. Heartland refuses to reimburse the charge even though the customer was present. I have contacted the police as well.
Product: Debt collection

I noticed the false debt in XX/XX/XXXX. From XX/XX/XXXX til present XXXX. Ive been trying to get proof of this debt I never held by XXXX XXXX XXXX XXXX. 
Last reported XX/XX/XXXX {$7600.00} Open balance XXXX XXXX XXXX XXXX. 

I never had relations with this company. 
Please correct. 

Actions I would like is this debt being removed immediately
Product: Debt collection

I continue to have several issues with Calvary Portoflio Services : 1 ) I have received a letter from Calvary that they have provided debt validation, but they have not. I am still waiting on proof of assignment or transfer of the loan. From what I have receive the debt was purchased by them not assigned or transferred as per my consumer rights with the FDCPA. I have received proof from Calvary that they have my statements, which they have sent multiple times over and a copy of bulk loan purchase. This is not what I am asking for is proof of confirmation from about the relationship of assignment of debt to Calvary from XXXX. I sent requests for validation on : XX/XX/XXXX XX/XX/XXXX Certified XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX ) Calvary reported my original balance of {$3300.00}. However I received a letter from their representatives at XXXX XXXX that I would appear paid in full if I paid {$2200.00} on XX/XX/XXXX, which means that all of the balance information that has been reported on my credit reports has been incorrect since they have had my account. Last and most importantly Calvary is still reporting a collections balance, which they originally tried to settle for, I volunteered to pay the full amount of the balance for removal of the tradeline, in which they say they have no knowledge, but they changed the payment plans coming from my account. They did not send me a confirmation letter. In total I have paid {$2000.00}, with a remaining balance of {$100.00}. 

XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX They passed my account onto a company named XXXX and XXXX XXXX. who has been taking my money from my account on their behalf. I would like this tradeline removed form my credit report.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed that there were fraudulent accounts on my report, please remove this account from my report, they are hurting my ability to get credit.
Product: Debt collection

Dear Collector, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NE XXXX ( XXXX ) XXXX I do not believe that I owe this debt or what you say I owe. 
Pursuant to the Fair Debt Collection Practices Act, Section 809 ( b ), Validating Debts : If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
( emphasis added ) I respectfully request that you provide me with the following : 1. the amount of the debt ; 2. the name of the creditor to whom the debt is owed ; 3. verification or copy of any judgment ( if applicable ) ; 4. proof that you are licensed to collect debts in Maine ; 5. proof of the  last payment made on the account. 
I am asserting my rights under the federal and state Fair Debt Collection Practices Acts and the Fair Credit Reporting Act, including these rights : Because I have disputed this debt in writing within 30 days of receipt of your initial notice, you must obtain verification of the debt or a copy of the judgment against me and mail these items to me at your expense. 
You can not add interest or fees except those allowed by the original contract or state law. 
Any attempt to collect this debt without validating it violates the FDCPA. 
Also be advised that I am keeping accurate records of all correspondence from you and your company, including recording all phone calls, and I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the XXXX XXXX XXXX. 
I have disputed this debt. Therefore, until it is validated, your information concerning this debt is assumed to be inaccurate. Accordingly, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ), then you must immediately inform them of my dispute with this debt.

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act 1681s-2. Should you pursue a judgment without validating this debt, I will inform the judge and request that the case be dismissed based on your failure to comply with the FDCPA. 
Finally, if you do not own this debt, I demand that you immediately send a copy of this dispute letter to the original creditor so they are also aware that I dispute the debt.
Product: Debt collection

I am a natural person and the original creditor. On XX/XX/XXXX myself and a co applicant extended our credit to WELLS FARGO DEALER SERVICES to obtain a vehicle for personal use. The Co-applicant and myself used our accepted credit card in this consumer credit transaction where our credit cards gave a security interest in the vehicle which secured all payments. This debt is alleged. I refuse this debt. It has come to our attention that the retail installment sales contract is not backed by the truth in lending act. On XX/XX/XXXX, WELLS FARGO DEALER SERVICES included our {$500.00} down payment in our finance charge, when pursuant to 15 USC 1605, the finance charge should not include charges of a type payable in a comparable cash transaction. Also, myself and the co-applicant are listed as borrowers. The truth in lending act does not define what a borrower is and pursuant to 15 USC 1602 the term creditor means any person who regularly extends, renews, or continues credit ; any person who regularly arranges for the extension, renewal, or continuation of credit ; or any assignee of an original creditor who participates in the decision to extend, renew, or continue credit. We are the original creditors because we initiated the transaction extending out credit. The retail installment sales contract also states that we agree to purchase the vehicle on credit. But our cash payments are included in the finance charge. Take further notice that on XX/XX/XXXX our right to rescind ( 15 USC 1635 ) was not explained to us clearly and conspicuously, nor were we given the proper forms to exercise this right. Several of our consumer rights were violated due to fraud and negligence by WELLS FARGO DEALER SERVICES. We have send a cease and desist warning notice to WELLS FARGO DEALER SERVICES through certified post office mail and they received the letter on XX/XX/XXXX. There has been no response from WELLS FARGO DEALER SERVICES acknowledging our notice.
Product: Credit reporting or other personal consumer reports

Dear Transunion I was a XXXX  of Identity Theft. Per the Fair Credit Reporting Act XXXX XXXX ( a ) ( XXXX ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section XXXX ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 


XXXX. XXXX XXXX CODE XXXX - False or misleading representations XXXX Account Number : XXXX Update to Open/Never late XXXX. XXXX XXXX CODE XXXX - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting XXXX Account XXXX : XXXX Delete from my credit report. 

XXXX. XXXX XXXX CODE XXXX - XXXX XXXX XXXX XXXX Account Number : XXXX Delete from my credit report.
Product: Mortgage

I was a XXXX hired to do the signing for a Discover Home Equity loan on X/X/17 in XXXX, CA. I agreed to do the loan signing for {$90.00}. I have received 2 checks for the payment from the third party, Mortgage Docs Inc in XXXX, CA for payment, both of which have bounced. The loan was closed and funded due to my services. I have contacted the loan officer at Discover multiple times as well as spoken to supervisors, all who have promised to contact me regarding my payment, however no one has.
Product: Debt collection

I didnt not give permission to view or know my personal information to pursue a debt. 

Both debts opened on XX/XX/XXXX. For XXXX and XXXX for st.joseph hospital. Have not lived in florida since XXXX. Which is where the hospital is located.
Product: Debt collection

i got an email from Transworld systems inc about some kind of debt owed to XXXX XXXX XXXX i do not owe any company any money. 

i request Transworld systems inc to desist and Defrain and not call me or try to collect on debt that does not belong to me.. i need them to double check my ss number and date of birth i do not owe this debt.
Product: Debt collection

This company is harassing me. I am not a party to the debt. I have informed them they are calling my work number and I am not XXXX nor do I know who XXXX is. They continue to call XXXX this is a Government cell phone, they will not stop calling. My clients/ families call this number I am a XXXX XXXX not XXXX. Please make them stop.
Product: Credit reporting or other personal consumer reports

I have looked into this company with the XXXX It is over XXXX complaints over XXXX this year alone. LexisNexis. Most of the complaints have never gotten the information requested. Some have been denied the information. The XXXX appears to only send letters asking then to respond then it's closed with them. That's not good enough. I do not recognize these people as a Credit Reporting Agency that we are used to however it appears only insurance companies use it. There are not live representatives to talk about, only automated in which you have to give ALL YOUR PERSONAL INFORMATION. Name, address, ss #, DOB with a company that has invalid information and reporting it to insurance companies and one can only think that it is to XXXX up the insurance prices. I live in DE, I have family in FL and if this company is doing this to keep people from getting insurance or using it so that insurance companies can inflate insurance it's illegal. I have placed the complaint through XXXX but don't hold any hope of anything other than them sending a letter which appears to have done nothing. And I have also sent it to my state senator. This is another agency that should be looking into this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife filed Bankruptcy in XXXX. She had a vehicle financed through XXXX XXXX XXXX XXXX containing loan # XXXX. She was discharged from her debt in XXXX. The account was closed on her bureaus, but they are still reporting on my bureau as if the account is still opened. I have disputed this matter numerous of times with the bureaus and with XXXX XXXX. I keep getting told by XXXX XXXX to submit letter to them and they will take care of this matter. This was in XX/XX/XXXX again in XXXX XXXXNeedless to say this matter still has not been taken care of.
Product: Checking or savings account

I am writing to file a complaint with the Consumer Financial Protection Bureau regarding my denied fraud case with Bank of America. As a private living man, on XX/XX/2023, I was at a family gathering at a nearby eatery and my phone was stolen while I was under the influence of alcohol. I later discovered that {$5000.00} was sent out from my Bank of America account without my authorization. 

I immediately reported the fraudulent charges to Bank of America and was initially told that I would receive a temporary credit while they investigated the matter. However, over 9 days later, I was informed that my fraud case was denied. 

I am extremely disappointed with the way my case was handled by Bank of America and their failure to provide me with a satisfactory resolution. The fraudulent charges have caused me significant financial loss and stress. As a private living man, I believe that the denial of my fraud case was unjustified and I am seeking your assistance in resolving this matter. 

I request that the Consumer Financial Protection Bureau investigate my case and take appropriate action against Bank of America for their failure to uphold their obligations and responsibilities to their customers. I also request that you provide me with information on the steps I can take to ensure a fair and just resolution to my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Hurricane Irma in XX/XX/XXXX. My mortgage was put into forbearance until XX/XX/XXXX. I had damage to my home and lost employment over the storm. Once my mortgage was taken out of forbearance in XX/XX/XXXX, I was reported late to the credit bureaus. I was also reported late during forbearance and was sent to dept collection agency during forbearance. I was told that I had to pay back all the past due in one lump sum or risk foreclosure on my home. I informed my mortgage servicer that I could not pay that and requested a loan modification. It took from XX/XX/XXXX- XX/XX/XXXX to get my loan mod complete, all in between I was reported late for 7 months on my credit reports. XXXX XXXX  owns my mortgage and I opened up a claim with them. After some time, I was told by XXXX XXXX that the way this mortgage serve handled my account was incorrect. XXXX XXXX contacted my mortgage servicer and informed them that per XXXX XXXX guideline, I should not of been reported late during any of this and that the negative reporting was to be removed from my credit. This is not the case. I have filed disputes directly with the credit bureaus, and my mortgage services keeps sending over false/incorrect information when I dispute it. My family has suffered financial hardship over this, my credit is now trashed. I also suspect that this servicer has falsified their service records as now my account seems to show different information according to the customer service reps that service the account when I contact them. I can prove that incorrect information was sent over to the credit agencies, and I can also prove that this servicer has broken RESPA  and XXXX XXXX guidelines. I am also aware of the on going lawsuit against this servicer which pertains to the unlawful practices ( RESPA/ Guideline Violations ) filed by former employees that were fired from the servicer around XX/XX/XXXX for whistle blowing. I find it very strange that this was around the time, XX/XX/XXXX when I starting having problems with them. I can prove that they have not followed guidelines with all the docs that I have. Please help, this is not right. 

Servicer Below XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX # XXXX & XXXX. XXXX XXXX XXXX Account # XXXX. XXXX XXXX Account # XXXX. XXXX XXXX Account # XXXX. XXXX XXXX Account # 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.
Product: Credit card or prepaid card

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. The 3 Credit Bureaus are reporting inaccurate information on WELLS FARGO ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Checking or savings account

Around XX/XX/year> there were unauthorized transactions on my account using my debit card at several atm machines. I filed a report with law enforcement and a dispute with capital one. My dispute was denied and I was told by capital one that due to my card being used at several ATM machines they could not review cameras from other banks to see who used my card and could not refund my money. However, over the holidays after reviewing these transactions I noticed that in XX/XX/year> one of these unauthorized transactions were done at a capital one atm. So capital one has blatantly lied in an effort to avoid acknowledging evidence that my card was compromised. I live in XXXX Ohio. There is only one capital one here in the middle of XXXX XXXX. There is no way they can tell me that they cant review cameras at their own atm machine in the middle of a mall. However, thats exactly what they told me. After noticing this I called capital one fraud department to clarify why my dispute was denied. I was again told that they had no way to know who used my card. I then pointed out that on XX/XX/XXXX, one of these unauthorized transactions were at a capital one atm. I asked why this camera couldnt be reviewed to see who used my card. I was told that my case was closed and there was nothing more that could be done. Even after this I am still being refused any escalation of my dispute. Capital one has negligently and intentionally refused to look at evidence that supports my claim, namely their own atm camera.