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

Subject : Formal Complaint and Request for Investigation and Removal of Unauthorized Charge-off. 
I am formally disputing and request the immediate investigation and removal of unauthorized and inaccurately reported charge-off entries by a third-party collection agency on my credit report. These entries have severely affected my financial standing, disqualifying me from securing a home mortgage, an auto loan, and any lines of credit. 
It is critical to highlight that I have never entered any contractual relationship with this collection agency. Their actions to report on my credit without a direct agreement are not only baseless but also infringe upon my consumer rights, constituting a clear violation of multiple legal standards pertaining to credit reporting and consumer privacy : 1. **Unauthorized Reporting** : The reporting of charge-offs, which are essentially certificates of indebtedness that I have never agreed upon, appears on my credit report without my authorization. This action is in direct violation of the principles that govern lawful credit reporting. 
2. **Failure to Furnish Form 1099-C** : The collection agency has also failed to provide me with a copy of Form 1099-C concerning the cancellation of debt, which is essential for accurate tax reporting and compliance. This omission has potentially placed me at risk of non-compliance with IRS regulations.

3. **Violation of Privacy Rights** : Under the Privacy Act of 1974 ( 5 U.S. Code 552a ), there is a stringent protection against the unlawful disclosure of personal information. The agency 's action contravenes these legal provisions by disclosing personal financial details without my consent.

4. **No Contractual Relationship** : As I have never signed any form of agreement with the said agency, their report constitutes a direct infringement on my rights as a consumer.

5. **Opt-Out Rights** : In accordance with the provisions of 12 CFR 1016.1, 12 CFR 1016.4, and 12 CFR 1016.7 along with 15 USC 6802 ( b ) and 15 USC 6805, I am formally opting out of all authorizations, whether impliedly granted, for sharing or reporting my credit information.

Given these points, I urge you to act swiftly in investigating these claims and remove the inaccurate charge-off entries from my credit report. I expect a written confirmation of the deletion of these entries. Please understand that I am prepared to take further steps, including legal action, if necessary, to ensure the correction of my credit information and to protect my rights. Thank you for your immediate attention to this serious matter. I look forward to your prompt response and resolution.
Product: Checking or savings account

I been a member with navy federal since XXXX. Some point between XXXX my step dad had me on his account as a joint owner. I had no acknowledgment of this. Whatever he signed to get this approved was not under my discretion. I NEVER signed anything to be anyones joint owner. I then closed my account with Navy federal the end of XXXX. I. In XXXX I proceeded to open account my account I was aware I owed XXXX ( Estimate, which I was ready to pay ). I had a deposit in my account for XXXX ( Estimste ) Navy federal took ALL of my money because my step dad owed them money. Me and my child became homeless because of this. I filed a forgery report in XX/XX/XXXX and they have still not returned my money and have not gave me in update on my form I filed.
Product: Credit reporting or other personal consumer reports

OVER A MONTH AGO I BEGAN TO REVIEW MY CREDIT REPORT AND I FOUND FRAUDULENT MEDICAL AND COLLECTION ACCOUNTS ALONG WITH PERSONAL INFORMATION ASSOCIATED WITH IDENTITY THEFT ON MY CREDIT REPORT. 

I CONTACTED THE BUREAUS AND REPORTED IT ONLINE AND OBTAINED A REPORT. 

I ADDED A FRAUD ALERT AND FREEZE AS WELL THE OTHER BUREAUS INVESTIGATED AND REMOVED THE ITEMS BUT EQUIFAX IS REFUSING TO PROPERLY INVESTIGATE AND REMOVE THE FRAUDULENT ACCOUNTS. 

XXXX XXXX XXXXXXXX XXXX XXXX {$2500.00} XXXX  XXXX XXXX XXXX XXXX {$1700.00}
Product: Money transfer, virtual currency, or money service

All of the dates with the amounts below are fraudulent charges and Coinbase Inc. refuses to give me my money back after I proved to them that I was a victim of a XXXX scam. The fraudulent company is XXXX XXXX XXXX. The scammers go by the names XXXX XXXX and XXXX XXXX on XXXX and represent XXXX XXXX XXXX to lure people in. XXXX XXXX also uses XXXX. Someone named XXXX XXXX but goes by XXXX uses XXXX to communicate with people they are scamming, as well as XXXX XXXX. XXXX 's name on XXXX is XXXX ( all XXXX word ). Coinbase requested that I send them documents such as emails, screenshots of conversations with the scammers, proof of the money being sent to the scammer 's wallet, etc., yet they still did nothing to make it right even after I provided the documents per their request. Coinbase stated that they are sorry that I was the victim of a scam on their platform but they can not reverse the charges. They are failing to protect their customers in this way even though the scammers are most likely using the money to engage in money laundering and other illegal activities. XXXX XXXX even stated that XXXX was supposedly laundering millions of dollars in XXXX and that he has offshore accounts. Coinbase is breaking the Anti-money Laundering Act which now includes cryptocurrency. The total amount that I lost is {$13000.00} from Coinbase, and I would like a refund. I can provide bank statements and screenshots from Coinbase if need be, plus proof of the scam. 

XX/XX/XXXX - {$270.00} XXXX {$110.00}, {$100.00} XXXX {$650.00} XXXX {$720.00} XXXX {$13.00}, {$30.00}, {$2000.00} XXXX {$30.00} XXXX {$4600.00} XXXX {$10.00}, {$2000.00} XXXX {$1000.00}, {$1000.00} XXXX {$1000.00} XXXX {$13000.00} I lost a total of {$5300.00} from XXXX and the story is the same for them. They asked for proof of the scam, I provided the documentation and they said they were sorry that I was the victim of a scam but they could not reverse the charges. The dates and amounts from XXXX are as follows : XXXX XXXX XXXX {$52.00}, {$1100.00} XX/XX/XXXX - {$210.00} XXXX {$2800.00} XXXX {$5300.00} {$5300.00} + {$13000.00} = {$19000.00}.
Product: Credit reporting or other personal consumer reports

I disputed an account that was not mine that was appearing on my credit report From XXXX XXXX XXXX. This was not a derogatory account but was listed on my credit report as a debt of $ XXXX. XXXX removed the entry on XX/XX/2023, XXXX in response lowered my credit score XXXX points. In addition a XXXX suggestion of paying down my XXXX XXXX XXXX account. After doing so they lowered my credit score an additional XXXX points. XXXX stated that filing disputes when there is inaccurate information will lower your score. Clearly a violation the FCRA!
Product: Credit card or prepaid card

On Friday, XX/XX/2022 I went to the Chase branch on XXXX in XXXX, CA to apply for the Chase Sapphire XXXX Credit Card. I had an appointment to meet with a banker, as I learned that if I applied in person, the bank would waive the first year fee. The banker was very helpful, walked me through all the signatures needed, and confirmed the rewards profile on the card that I applied for. 

After returning home that day, I logged onto my mobile banking app and immediately noticed the card featured was the free XXXX card which I had no interest in applying for. I immediately spoke with the bank. The banker spoke to her manager, and offered me two options : either close this account and apply for the new card, or apply for the additional, correct card. They reported it was impossible to simply switch the cards over. I asked for the documents, to ensure that I had signed up for the correct card ( perhaps the mistake was mine ). On XX/XX/XXXX, The banker said she would find a way to get me the documents ; I still am waiting for these ( 3 months later ). 

I have filed a complaint with the escalations department shortly after. The banker reportedly sent her email to the escalations department on XX/XX/XXXX, however after talking to the escalations department representative on XX/XX/XXXX she requested another form from the banker and her manager. I left multiple voicemails to the banker requesting an update. I emailed on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX asking for an update ; the only response was on XX/XX/XXXX, reporting she would reach out the escalations department. I still have never heard back. 

I am growing increasingly frustrated with the breach of contract on the bank 's behalf. As I said before ; I requested documents to ensure that I did not sign any documents erroneously- but the banker has not assisted me, and is now ignoring my requests. The bank is also inherently difficult to reach to even speak to a manager. My request is simple - I would like to have my XXXX card switched to the card I signed a contract for- with the initial spending reward reset.
Product: Checking or savings account

Checks were held for despoit, I put cash in the account and had a overnight ACH. They double held the checks by error and overdrafted my account and locked it for use. Even though there was available cash in the account due to check hold error by the bank the account was overdrafted and locked from use for the day until they could process thier error.

I feel this does not follow U.S. banking regulations and would like this company looked into to see who else they have held account by error.
Product: Debt collection

I have try to get my ssi from XXXX XXXX  unfortunately direct express dont want to give me my ssi money i have made over 10 calls lasted more than 2 hrs on my friends cell now i dont have the money to pay my rent i cant pay my cell bill cause i dont have the money to put on my bill plus i have to pay XXXX XXXX XXXX direct express never send me a new card plus the agent takes a very long tome i have XXXX  appoiments and so much more the problem is with my landlord XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX after court order. plus i use it to buy food even if i get XXXX XXXX i also try over 8 atm nothing please note that my cell is off i cant recieve no calls only email at XXXX XXXX
Product: Credit card

Please review the attached documents. I am urging the bureau to investigate the accounts that falsely report me as late, despite my history of timely payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/18 I signed documents to refinance my mortgage from XXXX XXXX  XXXX to XXXX XXXX XXXX company. My loan XXXX XXXX from XXXX XXXX had stated not to pay our monthly payment because XXXX XXXX would be paying off the remaining {$17000.00} balance per wire transfer. All accounts such as taxes, title company, credit cards were paid off by XXXX XXXX on XX/XX/18 which was the disbursement date. XXXX XXXX   XXXX reported the payment late to the credit bureaus which caused my credit report to drop from XXXX to XXXX. I have called and sent XXXX XXXX the disbursement summary to show proof that it was disbursed on XX/XX/18 but they state that the payment was not received until XX/XX/18 since they are on the east coast. XXXX XXXX XXXX has now sold my loan to XXXX XXXX  and XXXX will not return my calls or emails even though she stated she would help me resolve this. XXXX XXXX should have made sure that the payment would be received in a timely manner since XXXX the loan XXXX specifically stated not to make the monthly payment and they would handle it.Neither company will help me in resolving this matter. I have never been late on a mortgage payment and I trusted XXXX XXXX to payoff my balance on time. I don't know which company is at fault but how can I take a drop in my credit when I have never been late on any payments.I need help to resolve this issue. Thank you.
Product: Debt collection

Please see the contents of a letter sent to the collection company, Virtuoso Sourcing Group, LLC on XXXX, XXXX. I have communicated with them previous to this time that this supposed debt is in dispute but yet they have had this debt placed upon my credit report without clearly identifying that it is in dispute. 

XXXX XXXX, XXXX Virtuoso Sourcing Group, LLC XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CO XXXX Re : XXXX XXXX Creditor : XXXX XXXX-XXXX Client Ref : XXXX Dear Sir or Madam : I recently received your letter dated XXXX XXXX, XXXX. In your letter, you state that the included contract substantiates proof of debt with XXXX XXXX. 
Unfortunately, your organization does not have the complete details regarding this matter. In my previous letter dated XXXX XXXX, XXXX, I stated why there is no contractual agreement between me and XXXX XXXX. 
I have been in dispute with XXXX since XX/XX/XXXX, the date of the original install of solar on my home ( See Exhibit # XXXX, Initial Permits in XX/XX/XXXX ). Because of insufficient production, my system was altered ( See Exhibit # XXXX, New Permits on XXXX XXXX, XXXX ). With the introduction of the new system, I asked for a new contract to reflect the new system as well as provide me with new estimates of production. The old or initial contract was out of date because it did not reflect the system on my home and it did not provide me with estimates of production based upon the new system. 
XXXX refused to provide a new contract for the work that had been completed on my home. After exchanging with them over a period of time, they sent me a " Settlement & Release Agreement '' on XXXX XXXX, XXXX ( See Exhibit # XXXX ). I was refused to sign the agreement and asked them to remove the system from my home ( See Exhibit # XXXX ). I have multiple emails ( See Exhibit # XXXX ) between myself and XXXX XXXX ( XXXX representative ) which demonstrate we were in dispute regarding the solar system. As I previously stated, I finally asked XXXX XXXX and XXXX to remove the system from my home because I was not satisfied. XXXX XXXX has not responded to my request, dated XXXX XXXX, XXXX. 
Once more, I dispute this alleged debt and I am hereby asking you to cease and desist requesting payment from me. I deny that the alleged debt is owed and my agreement for the solar system was rescinded based on several grounds, including : 1. The solar company refused to provide me with a contract for the solar system currently on my home. 
2. The system provided by the solar company has materially failed. 
3. Since the solar company was unable to resolve issues 1 and 2, I asked them to come and remove the system from my home and they did not respond. 
Once again, I would like to reinforce that no complete and enforceable written contract was ever entered into between me and the solar company. 
If Virtuoso Sourcing group continues its collection efforts, I will be forced to pursue this matter legally. 

Sincerely, XXXX XXXX
Product: Credit reporting 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 correct : XXXX XXXX XXXX XXXX : {$330000.00} XXXX XXXX XXXX XXXX Balance : {$20000.00} XXXX XXXX  XXXX XXXX : {$340000.00} XXXX XXXX XXXX XXXX Balance : {$20000.00} XXXX XXXX Balance : {$340000.00} XXXX XXXX XXXX Balance : {$20000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor : XXXX Credit Bureau : Transunion XX/XX/XXXX Request for Removal of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from Transunion on [ XX/XX/XXXX ] and I noticed an unauthorized inquiry had been made. ( XXXX   XX/XX/XXXX ) I contacted XXXX XXXX on several occasions, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile due to identify theft in XX/XX/XXXX, and have yet to receive and investigation report or a removal of this inquiry. 

I request that this inquiry is removed immediately. I have given more than the legal time for XXXX XXXX or Transunion who approved this inquiry to provide me with results from an investigation providing signature or valid proof of myself being the person who approved this inquiry. Please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 7 business days of recieving yet another complaint. If there is not a response in a reasonable time as I have given more then the legal time I will have no choice but to file suit which I have had to do in the past. 

Thank you for your assistance in this matter, XXXX XXXX
Product: Checking or savings account

On XX/XX/2023, XXXX, I carried XXXX {$100.00} bills to Chase ATM XXXX the following address : XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX. 
I used XXXX of the ATMs to deposit the money. After I insert all the cash inside, the ATM ran for a while and showed " we are having trouble ''. Then the machine provided me a receipt which asked me to call XXXX at XXXX. 

There is no amount of bills on the receipt. The only information it has is Term ID : CA XXXX and the Sequence # XXXX. 

I went in the bank branch but I didn't bring my id with me so they refused to investigate this but ask me to call the number which the bank is about to close. 

I immediately called the number and, after multiple transfers and calling new numbers, the customer representative filed a claim and says they will do an investigation and report back in XXXX business days. 

It is ridiculous the ATM ate the money and is unable to recalibrate the machine to make it right. I have heard multiple cases online that people are not receiving right amount of money after the investigation. 

The {$9000.00} is crucial for my whole family 's life. We need it ASAP for rental, food and other necessities of life. The issue is happening on XXXX of the largest banks in the state which is very disappointed. 

Hope I can get my money back XXXX
Product: Vehicle loan or lease

I asked for a lease extension or forbearance on my monthly payment in XXXX. My request was denied. When I made the request I informed Acura that I went from making XXXX a year to XXXX a year due to the pandemic. Even though I no longer need the car due to me having to accept a job in a different state so that I can have some sort of income coming in. A lot of the XXXX XXXX  closed because of covid and the delta variant has cause a delay with other XXXX  contracting me to XXXX XXXX. I have spoken to Acura several times and the rep can not tell me WHY my request for assistance has been denied and they have put in four " tickets '' for a supervisor to contact me back. I have yet to receive a call from a supervisor. I receive calls from representatives asking for a payment but they say the same thing and require that I call back.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has not responded to me regardingmy request to validate the account in the amount of {$1100.00} on my credit report beginning in XX/XX/2020. This company has failed to provide the documents required by law to validate the alleged debt in question. They have not responded at all. 
Experian and XXXX has continued to report this invalidated information which is a direct violation of the FCRA.
Product: Debt collection

A man introducing himself as XXXX XXXX leaves voicemail messages indicating that he is calling from the Law Offices of D Scott Caruthers and to return his call at XXXX. Calls on a very frequent basis. Calls are invalid and annoying. Bordering on harassment as the nature of the call is never disclosed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax was, as far as I know, hacked by other parties that stole my information. 

I verified this on Equifax ' website, equifaxsecurity2017.com This is irresponsible and if a company ca n't handle protecting my info, they do n't need it.
Product: Mortgage

Lost condo to foreclosure due to Suntrust failure to properly and timely process modification.
Product: Credit reporting or other personal consumer reports

In accordance to the fair credit report Act : this creditor has violated my rights under 15 USC1681 section ( a ) ( 4 ) which states : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] states : ( a ) In general. 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. I DID NOT GIVE REPORTING COMPANY WRITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Discover Bank XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Request for Deletion of Closed Accounts from Credit Report Dear, Discover Bank I hope this letter finds you well. I am writing to request the deletion of certain closed accounts from my credit report. I have recently reviewed my credit history and noticed that these closed accounts are still appearing on my credit report, which may be negatively impacting my creditworthiness. 

I would like to bring to your attention the following closed accounts that I believe should no longer be listed : Closed Date : XX/XX/XXXX I kindly request that you investigate this matter and take the necessary steps to remove these closed accounts from my credit report. The Fair Credit Reporting Act ( FCRA ) requires that outdated or inaccurate information be promptly removed from credit reports. 

I understand that the FCRA grants consumers the right to dispute inaccurate or outdated information and have it corrected or removed. I am confident that these closed accounts fall under such provisions. Please consider this letter as a formal dispute and request for investigation. 

As per the FCRA, I request that you provide written notification to all credit reporting agencies to delete these closed accounts from my credit report. Furthermore, I request that you send me a written confirmation once the necessary actions have been taken. 

I appreciate your prompt attention to this matter. Should you require any additional information or documentation from my end, please let me know, and I will gladly provide it. I trust that you will handle this request in accordance with the guidelines outlined in the FCRA. 

Thank you for your understanding and cooperation. I look forward to a swift resolution of this matter. 

Sincerely,