23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am rejecting your electronic response regarding the CFPB dispute # XXXX on XX/XX/year>. The information that your agency has been reporting on my consumer file is unverifiable. I have not received any information or documentation that proves I signed a contract with your agency or the agency XXXX XXXX. Furthermore, your agencys name does not appear on any of the electronic documents provided to me. 

On the Original Contract you provided there are no written signatures associated with my name, besides an electronic alphameric name making it impossible for me to verify the validity of this debt. 

According to 15 USC 1681e ( b ), a consumer reporting agency must follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates. I believe your agency is in violation of this provision as the information you are reporting is not accurate.

Additionally, under 15 USC 1681b ( a ) ( 2 ), a consumer reporting agency may furnish a consumer report only under certain circumstances and in accordance with the written instructions of the consumer to whom it relates. I have not authorized or given anyone access to my private and confidential records, especially not the information youre reporting.

My rights, particularly my right to privacy, have been violated as per 15 USC 1681 ( a ) ( 4 ). This provision emphasizes the need for consumer reporting agencies to exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

Also, I want to express my concern regarding your companys actions during the investigation of my disputed debt. Despite my request for all communication to cease during the investigation, your company reported to the credit reporting agency ( XXXX, XXXX, XXXX that my debt was accurate. 

This action is in violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). The FCRA requires that you conduct a thorough investigation of the disputed information before reporting it to the credit bureaus. Furthermore, the FDCPA prohibits debt collectors from using unfair or unconscionable means to collect or attempt to collect any debt.
Product: Checking or savings account

Two checks were deposited into my wells Fargo checking account on the XX/XX/XXXX from a loan company one for {$700.00} and, one for {$700.00} that were counterfeit causing my account to go negative.I talked to fraud department at wells Fargo got a case # as well they said I would receive info from them sent out in the mail.weeks go by and, nothing is received so I go into my local wells Fargo branch and speak with the branch manager who informs me they do not have my case # on file.Nothing was filed.and they assure me that they will get to the bottom of the situation.and I will receive something in the mail informing me of their decision about 2 weeks later I receive an email informing me that my account is over {$1500.00} overdrawn and they are closing my account that I have had over 4 years never did they research the fraudulent checks or keep me in the loop I had two different case numbers and never received any info.now my account has gone into collection and my credit scores are messed up its been really stressful how can they legally a sure someone they will research or investigate the fraudulent check and, do absolutely nothing leaving me to pick up the pieces.
Product: Credit reporting

I am filing this complaint because Experian has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify those accounts, under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly delete all information which can not be verified, that i have disputed. Please resolve this manner as soon as possible. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am appalled by the inability of the Credit Bureaus to correct my Credit Report despite the multiple dispute letters and CFPB complaint I have done! There are accounts that are reporting erroneous information on my Credit File and needs to be corrected since it caused a drastic damage to my Credit Score. I have read that under the Fair Credit reporting Act, the Credit Bureaus are required to verify the information being reported on my Credit Report per consumer 's request and needs to update and or delete for any damaging erroneous reporting. I noticed the following upon doing a further research with my Credit File : a ) There are accounts reporting as late even though I never missed a payment ; b ) there are closed accounts reporting as late even though the balance is {$0.00} ; c ) there are charge off accounts reporting balance and as far as I know charge off accounts MUST show XXXX  balance ; and d ) there are accounts that are already deleted from the other Credit Bureaus but are still indicated from the other Bureaus. Under the FCRA, I need the following accounts investigated and updated or deleted : XXXX XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX XXXX Balance Owed : {$1400.00} XXXX XXXXXXXX Balance Owed : {$880.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified Equifax and XXXX that the XXXX XXXX account was open as a result of identity theft. I have provided them with a FTC report and this account is still showing on my credit file. Can you assist me in getting this matter resolved once and for all.
Product: Checking or savings account

I am writing to file a complaint against navy federal credit union regarding multiple overdraft fees I have incurred.Despite having sufficient funds when transaction were authorized, I was charged fees due to lagging posting of charges an credits.This issue aligns with the recent CFPB findings against navy federal for similar practices, where transactions settled with insufficient balance despite initial available funds. I believe these practices are unfair and request an investigation into my account transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX, Equifax and XXXX to let them know they are reporting incorrect personal information on my report including incorrect addresses, incorrect debts and social security numbers. 
I have asked them to provide me with the following : Any contract or agreement with the original health care provider that grants the authority to report on this alleged debt you must be in compliance with subtitle D of the ARRA, SEC. 13401. Application of security provisions and penalties to business associated of covered entities ; and SEC. 13407 ( 1 ) Breach of security and the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as issued 11/30/2009. Under the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) your company will face liabilities if they do not : Provide accurate information Prohibition Prevent reporting information with actual knowledge of errors.

I demanded them send me the following documents : 1. Copies of any agreement with my wet ink signature and a copy of any HIPAA authorization form.

2. A copy of the contract between the collection company, credit bureau and the original creditor with authorization to legally collect and report on this debt. 


I requested the verification of a negative item, in pursuit to the Fair Debt Collections Practices Act, 15USC 1692 Sec.809 ( b ). They are required under the above named titled and section, to show lawful authority to report and collect on an alleged debt claim ; I requested the following items : The name and address of the original creditor A copy of the original contract between myself and the original creditor. 
The original application for this account with my signature. 
A copy of the agreement authorizing your company to collected on their behalf of the original creditor. 
FULL detailed accounting history on the account and the calculations on how they reached the amount owe. 
Provide verification on any judgments connected to this account. 
Provide the license to collect and report in my state and registered agent name with their address. 
Please show proof that the Statue of Limitations has not expired in my state for this account. 
Provide the date of the last payment on this account. 

Please provide the answer to this request in writing within 30 days or I will be forced to take legal actions.
Product: Checking or savings account

I purchased a product from XXXX XXXX on installment payments through QuadPay order # XXXX. QuadPay processed my card for XXXX. The merchant XXXX  never sent me any products nor responded to any contacts Ive made about my order. My bank blocked payments and I notified QuadPay to stop processing my card on XX/XX/2020. Ever since then they have been trying to process my card for a product I already advised them I did not receive. It is now XX/XX/2020 and I still have not receive any claim from the merchant and they still have not contacted me. Today QuadPay have attempted to process my debit card over 30 times and it has been going on every couple minutes for hours and continues to as the night goes on. This is extremely harassing its abusing and absolutely ridiculous. this is my second time notifying the company to stop process payments from my bank because I did not receive product i ordered from XX/XX/2020 and have reached out to merchant multiple times and they still have not contacted me regards any claims. They have sent emails about sending my account to collections and continue to process my card everyday multiple times for hours at a time and here I am XX/XX/2020 with no refund from merchant and the company has done nothing but harassed me and I would like it to stop and furthermore their system does not allow me to delete my card from account. Its emotionally distressing
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report once again, I discovered that some of the information was still erroneous. The 3 credit bureaus must validate these accounts, It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report Here are the aforementioned accounts : XXXX  XXXX XXXX Balance : {$300.00} XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXXXXXX Balance : {$18000.00} XXXX XXXX Balance : {$22000.00} XXXX XXXX Balance : {$870.00} XXXX XXXX XXXX Balance : {$300.00} XXXX XXXX  XXXX Balance : {$17000.00} XXXX XXXX XXXX XXXX Balance : {$430.00} XXXX FIN XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$300.00} XXXX XXXX XXXX Balance : {$300.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$300.00} XXXX XXXX Balance : {$870.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Experian, XXXX, and XXXX for all delinquency and derogatory accounts. However its been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense. Due to the negative items on my credit report it has caused me to lose my security clearance in the military. 

According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or in directly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine wether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice from the consumer or reseller.
Product: Credit card or prepaid card

Throughout the months of XXXX and XXXX of 2022, Coinbase shut off my XXXX card and told me that I can no longer use it to make transactions because I alledgedly violated their Card Holder Agreement. I asked them to explain to me how I violated this Agreement, but they never actaully provided evidence that I violated anything. Instead, they just cancelled my card which prevented me from using it. I caused severe hardship for me and I was stranded while traveling because I needed to use it to put gas in my vehicle while I was traveling in XXXX, but they didn't care. I have several case numbers they provided me, but rather than resolving any of them, they just closed the cases. 

Here are a few case numbers : Case # XXXX, Case # XXXX, Case # XXXX, case # XXXX, case # XXXX, case # XXXX, and case # XXXX. 

The transaction amounts varied ranging from {$100.00} to {$2500.00} which they denied me access to my funds. This is a Coinbase XXXX card and I had more than enough funds on the card, but they still denied me access to my funds during the months of XXXX and XXXX. This put me into a deep state of XXXX and XXXX because I needed to use my XXXX card to run my business so my business suffered because I couldn't buy supplies or use it for marketing. I am still XXXX  over this ordeal and despite numerous attempts to get my card reinstated, they simply deactivated it on me. 

My XXXX XXXX has sky rocketed over this and I put on more than 30 pounds over the past several months because I have turned to food to comfort my nerves and emotions dealing with Coinbase.
Product: Vehicle loan or lease

In XX/XX/2020 we leased for 36 months a XXXX XXXXXXXX on a Single pay lease. We paid on the day we signed for the Single pay lease XXXX. After 19 months into the 36 month lease the car was totaled. The car cost XXXX the day the car was leased. My insurance company paid XXXX to Hyundai which is what Hyundai asked for for the car. Hyundai refuses to refund us for the 17 months of monies that we paid in advance when we purchased the single pay lease for 36 months.. We have called several times and sent a letter. Hyundai hung up on us and have not responded to the written complaint.
Product: Credit reporting or other personal consumer reports

I am writing to notify you of a situation in which credit cards were opened in my name without my knowledge or consent. I recently discovered that my mother opened several credit accounts under my name, and I did not authorize or apply for these accounts. 
The affected accounts are : XXXX XXXX XXXX XXXX Capital One XXXX ( XXXX ) I have filed a police report regarding this matter, but I am hoping the situation can be resolved without needing further legal action. If my mother is able to pay off the balances on these accounts and transfer them into her name, I believe this would resolve the issue without the need for ongoing legal involvement. However, if this solution is not possible and the accounts remain in my name, I will need to proceed with the police report and take the necessary legal steps to clear my name and credit. I kindly request your assistance in investigating this matter, ensuring that any fraudulent charges or debts are removed from my credit report, and that the accounts are either transferred or closed. 
I would appreciate your prompt attention to this situation and would be grateful for any advice on how to proceed while the matter is being resolved. Please let me know if any additional information or documentation is required. 
Thank you for your understanding and cooperation.
Product: Credit reporting or other personal consumer reports

recently checking my credit report i noticed that i've been a victim of identity theft and found numerous credit inquiries i have no knowledge of here are the inquiries that 've found : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove these fraudulent inquiries from my credit report. I also attached my identity theft report as well.
Product: Student loan

I need help with my payments. 
Since I could not do any.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and I noticed that I had late payments on 3 accounts I was in fact never late on. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshots of inside this complaint, on dates XXXX  of XXXX and XXXX of XXXX for account # XXXX. Account number XXXX XX/XX/XXXX, and also account number XXXX showing late XX/XX/XXXX and XX/XX/XXXX. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I DEMAND these payments to be updated to paid as agreed on time as they should be due to the fact I was never late. Even in the screenshots you can see the inaccuracy of the reporting. Thanks! Please see screenshot attached :
Product: Credit card

On XX/XX/ XXXX XXXX I was at the spa in XXXX XXXX XXXX. Some one broke into my locker and stole my wallet, credit cards, driver license, and cellphone. They made several unauthorized purchases with my Chase Unlimited Business Credit card. The total amount was around {$6800.00} from 3-4 locations. I reported it all to Chase fraud department, and they request my to submit a police report. I comply and got my police report and email it to them on XX/XX/. Chase removed the charges on my account for 2 week then they put it back on my account. I called them again and they told me that I need to get a resolution letter from the police. I contact the police department and they told me they can not provide a resolution letter because the case is on-going. The XXXX XXXXXXXX XXXX  detective told me that the police report is the only document they can provided for me. I contact Chase and told them that, they said they said that they still required that. I told them that the police department will not provide it. They said if I can't provide that they will put me on collection. I've trying to contact another detective to request the resolution letter but they haven't return my calls. Now the account has been in collection for the past 6 months and it's ruining my credit score.
Product: Debt collection

HP Sears is furnishing my medical information which is a violation. i have never given them my written consent to furnish my information. A violation of the FDCPA. 
I refuse to pay the debt and I asked them to validate the debt to no avail. I asked for an original wet ink signature, the contract between me and HP Sears stating that we were in business and they have the right to collect on a debt. Again to no avail. 
I'm not sure how they were able to locate me and continuing to report this inaccurate information is in direct violation of the FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

This was a corporate account and mistakenly reported on my profile. Had your record-keeping been accurate, and where is the proof of payment history? The XXXX Credit Bureau is willfully in violation of FCRA and condoning illegal behavior, they MUST correct or remove this collection account immediately. 

NATIONAL CREDIT ADJUST XXXX Balance {$4000.00}
Product: Student loan

In XX/XX/2015, I submitted paperwork for the XXXX   Loan Forgiveness ( for the amount of {$17000.00} ) program to Navient. I received an email from Navient that they received my paperwork. Nothing happened after this. There was no follow up from them and my loans were not placed into forbearance. I had tried to call Navient but was constantly put on hold. Until recently, I did not know what to do about this.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX To Whom It May Concern : It has come to my attention that continued requests for removal of items that do not belong to me are still entered as active or inactive trade lines on my credit report. Negatively affecting my financial stability. This is an immediate, eighth request for removal and blockage of incorrect information. 

There seems to be a continuous high-level of incompetence at your company. I have been forced to submit a dispute every 30 days for the removal of this information. 

I have not placed requests for credit with the below organizations and have no active trade lines with them. 
Id like to know how and why your company has added credit accounts to my report that do not belong to me. 

This is a demand to remove these accounts at once! 

FRAUDULENT Accounts to be Removed IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$280.00} There are also a number of Inquiries that should also be removed. I did not request service or credit from them : XXXX XXXX XXXX XX/XX/XXXX There are also incorrect addresses listed, which I have complained about and request the immediate removal of this incorrect information XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX company is not authorized to share any of my personally identifiable information with any creditor or outside agency for which I am disputing. 
Once the fraudulent information has been removed, you are required to MAIL AN UPDATED credit report to my home address within 30 days of resolution. 

I look forward to hearing from you soon. 


Sincerely, XXXX XXXX EMAIL : XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX
Product: Debt collection

Received a letter from a collection company stating I owe the a sum of {$2500.00}. According to the letter it is from an XXXX account I never opened.