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

Dear Sir/Madam, I am writing to dispute the inclusion of certain collection accounts on my credit report, which I believe are inaccurate and unverified. As per my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am disputing the following collection accounts : BUREAU : XXXX AND XXXX ACCOUNT NAME : XXXX XXXX  ACCOUNT NUMBER : XXXX DATE OPENED : XXXX XXXX BALANCE : {$85000.00} ACCOUNT NAME : XXXX  XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XXXX XXXX BALANCE : {$0.00} Petition # : XXXX XXXX Not Aware of Bankruptcy I have already sent a debt validation request to the collection agencies as per my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C . 1692g, and I have yet to receive satisfactory proof that these debts are indeed mine. I request that you investigate these matters promptly and remove or correct the disputed information from my credit report if the creditors can not verify or validate the debt. The FCRA requires you to complete this investigation within 30 days of receipt of this letter ( 15 U.S.C. 1681i ). Please note that accurate reporting is crucial for fair credit practices, and it is my right as a consumer to insist upon this. If these inaccuracies are not corrected, it could have severe implications on my credit worthiness, which is a violation of my consumer rights under the FCRA, for which I may be eligible to seek statutory damages. 

By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. 


Send payment immediately via Certified Funds to : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Unit XXXX XXXX GA XXXX Attached are copies of my state ID. Warm Regards, XXXX XXXX
Product: Vehicle loan or lease

This account is reporting incorrectly. It is not past due and is current. XXXX just changed my status to past due falsely claiming I have missed a payment and have a past due balance and that is inaccurate. It has caused my score to decrease drastically. Update account ASAP and remove the late payment. Ive only had one late payment for them since XX/XX/year>. Every other payment has been current since.
Product: Money transfer, virtual currency, or money service

My Gemini.com account access was frozen on XX/XX/2022 citing login activity for my account in areas outside of their current operation where I have been working and regularly access my account fine for a whole year prior. 

Since the XX/XX/XXXX notice, I was prompted to provide proof of address, photo verification, and explain my traveling, as I travel for work. I have explained repeatedly that I work in a the foreign country and return home regularly throughout the year and my account is still locked, now 5 months later. 

As of now, my account value is around {$840.00} that I can not access. There have been XXXX email exchanges trying to remedy the problem. There is no phone number to call, I have provided my number to be called and they will not call it. I can not even close my account to withdrawal my assets.
Product: Checking or savings account

In Money Lion ( XXXX XXXX ) advertisements, when an account was opened and at least two direct deposits of 100 dollars were made separately, they were supposed to give a total of 55 dollars for opening an account under the name of 5 dollars referral bonus for 50 dollars direct deposit. However, only 5 dollars was paid to me under the name of referral bonus. My {$50.00} bonus payment did not materialize. The proof that I registered for this program with a referral code is the {$5.00} bonus payment made to me. 

My direct deposit dates : XX/XX/year> {$100.00} XX/XX/year> XXXX dollars
Product: Debt collection

Fair Collections & Outsourcing ( FCO ) is reporting an account on my credit report that was paid and was suppose to be deleted from my credit reports once I agreed to pay them. The account is past the 3 year statute of limitation in Maryland and this account is from XXXX to XXXX. I paid the account as a settlement with the agreement that it would be removed once it was paid. I was told that they had the agreement from there client XXXX at the XXXX to offer the settlement for deletion but they continue to report this account on my credit reports.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I applied to XXXX  XXXX XXXX XXXX ( XXXX ) to have a credit card with them CLOSED to OPEN a new credit card with them at a much lower rate. The total amount owed was about {$12000.00} XXXX granted me the much lower rate after 'pulling ' my credit with XXXX which was their preferred credit reporting agency. At that time, XXXX gave me a credit score of XXXX. 

On Thursday, XX/XX/XXXX, I applied to open a Share/savings account with XXXX XXXX XXXX XXXX XXXX Not a loan. They explained that they 'pulled " credit information from EXPERIAN and that the minimum credit score would be around XXXX. I was not concerned since I had no other loan or request for a loan other than the loan I applied for with XXXX  XXXX XXXX XXXX on XX/XX/XXXX. XXXX XXXX XXXX XXXX granted the request. However, they explained that EXPERIAN reported my credit score as XXXX. That score is XXXX points LOWER since the XXXX score given 27 days ago with no other credit applied for and no other major purchases by card, etc. In fact, since making application, NO other credit has been applied for and I have paid {$2000.00} on the only credit card I have. Outstanding debt includes my mortgage and credit card. No car note. Nothing else. 
I HAVE NEVER ALSO BEEN LATE ON ANY DEBT. EVER.
Product: Payday loan

I took out XXXX cash advance loans from place called XXXX in TN, I did default on the loans bc of hardship and they have gone to a collection company called Money Investigations out of XXXX GA. I received the first call from this man who calls himself XXXX on XX/XX/XXXX at my parents house. He was screaming at me, making threats of jail time all bc I ask who he was with. Yes I got ugly right back assuming this was a scam. I contacted XXXX and found out they are contracted with Money Investigations so I called back to try and work out a payment plan, the same man screams at me again saying I was going to jail unless I XXXX him half ( XXXX $ ) I said I would try but could not come up with the money, called him back left a voice mail that I would again like to make payments. He called back XX/XX/XXXX screaming again that I committed check fraud and was going to jail and nothing but a liar. He also called my parents again saying the same things on XX/XX/XXXX ... I got on the phone and said I spoke with the local sheriff and this was a civil not criminal matter. The man calls again XX/XX/XXXX to my parents home and when my mother says I want to make payments he starts yelling at her. I have done my research over the weekend and it seems this man is actually a man named XXXX. Yes I agree I owe the debt and am willing to make payments but these types of calls are ridiculous ... ..and if he has filed papers as he said on XX/XX/XXXX why does he continue to call and harass me.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I FILED CFPB COMPLAINT AGAINST XXXX  ON XXXX XXXX AND XXXX XXXX XXXX AND CITED In XX/XX/2023 I called Ed Financial Services ( A collection company ) requesting validation of the alleged debt on my credit report by producing the original contract with a wet ink signature. Additionally I sent letters to XXXX, XXXX, and XXXX requesting validation of the alleged debt. In response, Ed Financial Services sent a letter dated XX/XX/2023, wherein they confirmed an outstanding balance, however they have failed to validate the debt by producing proof of the original contract with wet ink signature. The credit reporting agencies mentioned notified me the debt was " verified '' but failed to outline investigation procedures as requested or produce proof of the original contract. XX/XX/2023 I mailed XXXX, XXXX, and XXXX demanding the unverified items be removed from my credit report immediately. They have yet to do so and claim Ed Financial has continued to verify the debt. Additionally, I am still receiving mailed statements from Ed Financial services despite the fact that I have yet to be sent proof of the original contract for this alleged debt. This company is in direct violation of 15 U.S.C. 1692 ( c ), U.S.C 1692 f ( 1 ), AND U.S.C. 1692 ( g ).
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX [ Account number XXXX ] is reporting an alleged debt on my consumer reports however, when I ask for proof by sending me the agreement / truth in lending disclosures bearing my signature they deny it. This clearly means that they are violating federal laws as they can not prove that the debt belongs to me. Both the Fair Debt Collection Practices Act and Fair Credit Reporting Act are being violated by this company. Furthermore, pursuant to the Fair Credit Reporting Act, furnished information CAN NOT be inaccurate or questionable AND the furnisher of the information MUST send a letter in writing that they are going to furnish negative information to consumer reporting agencies. I NEVER received such letter further violating federal law, to be more specific 15 U.S. Code 1681s-2 ( 7 ) ( A ). If this company believes otherwise then I demand they show proof with a certified green receipt bearing my signature was sent at least 5 days prior to the negative information being reported. Additionally I asked for an authenticated record of the account and a copy of the right to opt out disclosures and I have yet to receive a favorable response ( i did not receive a response ). This is a huge violation of my right to financial privacy of my nonpublic financial information. Please see attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries shows up on my credit which i have no Knowledge of. i've made numerous attempts to let these companies Know that these inquiries are do to fraudulent use of my personal information and that i am a victim of identity theft. 

XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX/XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit card

In XX/XX/XXXX, I filed a billing dispute with Barclay Card for a {$99.00} charge to my credit card on XX/XX/XXXX by a merchant called XXXX. I informed Barclay Card that I had tried to resolve the issue with the merchant but the merchant was unresponsive. I provided Barclay Card with documentation in the form of a XX/XX/XXXX XXXX e-mail stating that if I signed up for XXXX on that day, the second month would be free to me and XXXX would not charge me a monthly membership fee until XX/XX/XXXX. I also provided Barclay Card with an e-mail confirmation proving that I did in fact sign up with Class Pass on XX/XX/XXXX. Subsequently, I received a XX/XX/XXXX letter from Barclay Card which stated that Barclay Card 's investigation could take up to 45 days. I waited well over 45 days and when I did not hear back, I called Barclay Card around XXXX/XXXX/2015 and was told that Barclay Card had closed my case without resolving it and without informing me. Misleadingly, my Barclay Card billing statements still included an untruthful note that they were still investigating my billing dispute. Then, I faxed Barclay Card again and asked that my billing dispute be re-opened. Unfortunately, Barclay Card responded by sending a letter to me on XX/XX/XXXX stating that " Due to the length of time that has passed since this charge posted to your account, we are unable to take further action on this disputed charge. '' I timely filed my dispute yet Barclay Card is now saying that they can not do anything about the disputed charge because it is too late.
Product: Vehicle loan or lease

I Have an Auto Loan with Westlake Financial, along with full coverage from XXXX XXXX. I was involved in an unfortunate circumstance of an accident that resulted in the vehicle being totaled. XXXX XXXX came by and resulted in balance of {$3000.00}.
Product: Prepaid card

My Social Security is directly deposited into an account through Direct Express. In XXXX of 2015, my account was charged 96 times for the XXXX XXXX XXXX, with charges ranging from {$4.00} to {$30.00}, totaling {$580.00}. While I have visited the XXXX XXXX on several occasions, I have not incurred this number of charges, nor have I done so over the course of 2 days. 
When I initially addressed the issue with Direct Express, I was told that I had incurred these charges over a period of months and never charged for them until XXXX XXXX and XXXX XXXX. I have been in contact with the XXXX XXXX as well as the XXXX Police Dept. who informed me that this was a glitch that the XXXX XXXX experienced with their credit card system and that their credit card machine had no way of holding onto previous charges and then taking them out on one particular day. This same glitch happened to multiple patrons, and they have all been reimbursed for the charges.
Product: Checking or savings account

My PIN number was accessed by an unauthorized person and made over XXXX charged on my debit card. The bank did not give me money money back after saying the charges were uncharacteristic for my usual transactions. They closed the case and did not refund me the full amount that was taken from me.
Product: Vehicle loan or lease

Subject : Dispute of Incorrect Late Payment Marks on My Auto Loan Complaint Details : I am filing this complaint regarding incorrect late payment marks on my Stellantis auto loan account ( # XXXX ). These late payment marks are completely inaccurate and should not be on my credit report. 

Details of the Issue : Lender : Stellantis Account Number : XXXX Account Type : Auto Loan ( Installment ) Monthly Payment : {$1200.00} Date Opened : XX/XX/XXXX Balance : {$57000.00} Incorrect Late Payment Marks : XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX, XXXX ) I have always made my payments on time, and I have never had a late payment on this account. The reported late payments are a clear error and have negatively impacted my credit history. 

Steps I Have Taken : I have reviewed my payment history, and all my payments have been made on time. 
I have contacted the credit bureaus and disputed these inaccurate late payment marks. 
Despite my dispute, the incorrect late payment marks remain on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX reports a credit card account to experian even if I have never done any business with them
Product: Mortgage

I fell behind on my payments and contacted the bank to request assistance. I was advised to apply for a modification, which I did in XXXX of XXXX. After several applications and inches of documentation sent, I was notified on XX/XX/XXXX, that my modification was not approved due to title issues. When I called to request information for a remedy the representative told me to call the county clerks office. I called back and spoke to someone in consumer lending who told me that my home equity was charged off in XXXX of XXXX. At that time, I had taken advantage of the forbearance that was offered to me. Upon loan reinstatement, the Home equity loan was showing on my statement as part of the modification balance. I never received separate billing or any calls, letters, anything. 
The agent I spoke to asked me if I wanted to set up a separate payment plan for the home equity loan. I asked why, if this was included on my statements as part of the modification from reinstatement after the forbearance. I was told that's what is required. 
I don't think he actually knew and was brisk and did not offer to get me to someone who could help me. 
Throughout this process, I have not received regular mortgage statements, but have been making payments including a lump sum payment on XX/XX/XXXX.
Product: Credit card

I selected dining as the three percent bonus category for my XXXX  cash rewards card. 

However, multiple purchases made from XXXX to XXXX did not receive the 3 percent bonuses. 

I have called the banks customer service line many times but none of them were able to provide a clear answer. 

Some said the system is experiencing backlogs while others said the bank failed to identify the correct category at the time of purchase. None of them helped me resolve this issue
Product: Money transfer, virtual currency, or money service

On XX/XX/2018 an international transfer was initiated by an XXXX XXXX  from my father who lives in XXXX into a Chase US account to myself. 
As of today XX/XX/XXXX there is no trace of the money. 
The XXXX XXXX was contacted and they show the transfer successfully sent. 
Chase bank was contacted and they are not willing to trace the incoming transfer. 
The amount transferred is XXXX euros.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX : Account # XXXXXXXX XXXX XXXX XXXX XXXX : Account # XXXX, XXXX XXXX : Account # XXXX, XXXX XXXX XXXX  Account # XXXX, has violated my rights. I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed XXXX XXXX XXXX with XXXX. XXXX did a proper investigation and deleted this account from my credit report on XX/XX/20. 

However I have been disputing this same account with Experian and submitted overwhelming exhibits/ proof that this account is inaccurate and considered operating under false pretense. Fraudulent and misleading the public as well. Company is a scam. 

This is my final attempt with Experian before a lawsuit may be filed against Experian for improperly investigating my dispute under the FCRA. XXXX XXXX XXXX has not even replied to the FCRA. This is simply because the are not conducting a legitimate business.
Product: Credit reporting

Equifax keeps reporting XXXX student loan on my account that does not belong to me. I need them to verify the social security number, which they HAVE NOT! they need to remove this student loan from my account.
Product: Checking or savings account

My debt card was lost or stolen and then used to withdraw XXXX dollars on XX/XX/XXXX, another XXXX dollars on XX/XX/XXXX, XXXX dollars on XX/XX/XXXX and another XXXX on XX/XX/XXXX, on XXXX i logged into my banking app and saw the transactions, I immediately called the bank and canceled my card and disputed the transactions, they denied my dispute on XXXX because " card was not used after you notified us to close card '', I called a branch and they told me to file a police report and resubmit the dispute, I did that on XX/XX/XXXX, they denied that dispute as well, I called the branch again they told me that they don't understand why it would be denied, that they can see the account was almost drained, that the transactions don't fit my previous ones, that the pin was enter incorrectly multiple times before they withdrew the money and that all of those things were listed as reasons they denied the dispute and that it didn't make sense, I spoke to a manager the confirmed the same things and told me I can dispute it again but called the dispute something else, they also told me that someone from the department that makes the decision would be calling me within 3 business day, no one called at all. I'm going to lose my house because of these unauthorized withdraws, I've been trying to get these funds back for over a month and am not 2 months behind on rent and my life is falling apart and all the bank will do is tell me to wait longer to be told they don't believe me. Please help me. Its td bank. Thank you.
Product: Consumer Loan

WELLS FARGO DEALER SERVICES MADE A HARD INQUIRE ON MY CREDIT REPORT AND I ASKED FOR PUT OF THE HARD INQUIRE BUT THEY HAVE FAILED TO DUE SO
Product: Debt collection

On XX/XX/XXXX I pulled my credit report and notice a new collection from 2017 that i was not aware of. I spoke with the collection service PROFESSIONAL COLLECT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX and was informed that they no longer have the file and that it was sent out to another collection service 2 years ago, and I would have to get in touch with them in order to discuss the issue. I asked him why did they report this to XXXX and XXXX? I informed him that it was illegal to report a file they no longer control or have in their possession. He just told me that there was some kind of merger and I had to get in touch with the other company and discuss it with them. I asked for something in writing to verify the fact that this collection was no longer being serviced by them and they refused to give me the documentation. If they do not have the file, then they can not report it. This just hit my credit report and the collection service does not control the file.