23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Hello Rep ; I was shocked when I reviewed my credit report and found that you're reporting a collection on my credit from an account that i never owned. I actually had sent an IdentityTheft affidavit in regards to this to the original creditor and it was removed. How come are you still reporting this now? It was originally from SYNCB/OLDNAVYDC, and i sent all the required paperwork that they had asked me. Please remove this collection from my credit once and for all. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Product: Bank account or service

I had a debt with Synchrony Bank {$570.00} and the bank ordered XXXX XXXX XXXX XXXX to collect the debt. Synchrony Bank accepted a settlement I offered {$300.00} and I paid it in the time manner. One month after the Synchrony Bank ordered another debt collector XXXX XXXX XXXX to collect the rest {$270.00}. 
I explained to to the last collector that I already paid my debt through the settlement and I sent them all documents. XXXX/XXXX/2016 they made a report on my credit. 

Synchrony Bank already accepted the settlement.
Product: Checking or savings account

Wells Fargo refuses to reverse payment made to someone else that was Not authorized by me, Im guessing it was an inside job or they should have been able to reverse unauthorized transactions XX/XX/2023 {$460.00} XX/XX/2023 {$460.00} XX/XX/2023 {$460.00} Also capital one should have reversed payment as it was an unauthorized payment and I told them I was the Wells Fargo account holder but XXXX XXXXXXXX did not care at all and send since I wasnt the account holder of the account it went to I cant do anything about it and I should reach out to Wells Fargo
Product: Bank account or service

Received a notice dated XXXX/XXXX/XXXX from XXXX XXXX and XXXX XXXX that they were transitioning customer service to a third party, Alliance-One effective XXXX/XXXX/XXXX, and customers would not be able to receive any information from XXXX ( their transition " blackout '' period ). They issued a check during this blackout period which we received too late to contact them as they disconnected their customer service phone lines and are referring all questions to Alliance-One. This check is unusual, because the annual distribution for this annuity is usually made in XXXX ( XXXX was received in XXXX XXXX ). Alliance-One has inadequate phone support available ( was on hold for 30 minutes on XXXX call and over 25 minutes on a second call ), no online customer service available, and refuses to answer questions until next week, saying they sent out a notice regarding their " blackout '' period ( supposedly XXXX/XXXX/XXXX - XXXX/XXXX/XXXX ). We never received any such letter. XXXX has a track record of issuing payments to us without being requested. They are trying to get rid of their annuity contracts or reduce their value because the minimum interest rate promised is too high in today 's environment. They know the holders of most of their annuity contracts are elderly and are less likely to challenge or question distributions made.
Product: Debt collection

The week of XXXX XXXX, I called Midland Credit Management to pay to delete a {$490.00} debt on my credit reports. This debt is not mine and I have been trying to dispute it. The Name on the account is not mine and I believe steams from stolen identity, due to data breaches at Office of Personnel Management or XXXX data breach. 

The rep on the phone tried to tell me to enter that the debt was mine, in order to move to a negotiating team who would talk to me about a payment. I told the rep multiple times that the debt is not mine, but they continued to tell me to put that it is to move on to a resolution to get it off my credit report. 

The debt is not mine and I would like to be taken off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the following accounts listed on my credit report : XXXXXXXX XXXX  XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX XXXXXXXX XXXX I believe that the accounts listed above contain errors that violate several federal laws including the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), the Fair and Accurate Credit Transactions Act ( FACTA ), the Truth in Lending Act ( TILA ), the Real Estate Settlement Procedures Act ( RESPA ), the Equal Credit Opportunity Act ( ECOA ), and the Fair Credit Billing Act ( FCBA ). 

First, regarding the XXXXXXXX XXXX account, I have reason to believe that this account has been reported in error. According to the FCRA, creditors are required to report accurate information to credit bureaus. In this case, the account has been reported with an incorrect account number. This is a clear violation of the FCRA. 

Secondly, the XXXX XXXX account has been reported as a late payment account. However, I have evidence to suggest that the payment was made on time. According to the FDCPA, debt XXXX are required to provide accurate information to credit bureaus. This inaccurate reporting is a violation of the FDCPA.

Thirdly, the XXXX account has also been reported as a late payment account. However, I have not received any notification of late payment from the creditor. This is a violation of FACTA, which requires creditors to provide notice of late payments before reporting them to credit bureaus. 

Fourthly, the XXXX XXXX XXXX account has also been reported as a late payment account. However, I have not received any notice of late payment from the creditor. This is a violation of FACTA. 

Fifthly, the XXXX XXXX XXXX account has been charged off. However, I have not received any notice of the charge off from the creditor. This is a violation of TILA, which requires creditors to provide notice of charge offs. 

Sixthly, regarding the XXXX XXXXXXXX XXXX charge off account, I have reason to believe that the amount listed is inaccurate. This is a violation of RESPA, which requires creditors to provide accurate information to consumers. 

Lastly, the two XXXX XXXX charge off accounts have also been reported with inaccurate information. This is a violation of FCBA, which requires creditors to provide accurate information to credit bureaus. 

I demand that these errors be corrected immediately in accordance with federal law. I also demand that any negative impact on my credit score be corrected and any associated fees and penalties be refunded. I appreciate your immediate attention to this matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I deposit a check on counter from my family XXXX XXXX XXXX  with writing deposit account number on the back of the check to Wells Fargo account .she refuse to deposit it than said go to ATM which I did after XXXX  days rather than send it for collections they send the copy of the to me and call the owner of the XXXX XXXX  Why it was not deposit to Wells Fargo act and send it for collection? and XXXX  me asking " do you know what is the meaning of endorse ''? 
I like to know what was wrong with my family check was refused and if so why well Fargo did not return the check to depositor? 
In between lot of phone communication Wells Fargo management disrespectful and disregard XXXX Thank you XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX Account NamXXXX XXXX XXXX Account # : XXXX Date opened : XX/XX/XXXX the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, DE XXXX Phone number ( XXXX ) XXXX
Product: Mortgage

I have a HELOC with Citizens bank. The HELOC is in payback stage. Citizens bank only provides a lum sum payment which comprises interest charge and principal payment. I have requested the bank to provide breakdown of the payment requirements into XXXX parts : interest charged and principal payment requirement. Citizens bank refused. the following is the letter I sent to its CEO. 
XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX Citizens Bank Subject : Request for Enhanced Transparency in HELOC Account Statements XX/XX/2024 Via email Dear XXXX XXXX XXXX, I hope this letter finds you well. As a devoted customer of Citizens Bank, I am writing to express my concerns regarding the clarity and comprehensiveness of the monthly statements for my Home Equity Line of Credit ( HELOC ) account ending in XXXX, particularly during its repayment phase. 
At present, the monthly statements merely provide a single figure representing the total payment due, a format that fails to meet the expectations of discerning consumers who strive for a thorough understanding of their financial standing. 
I recently communicated this issue to XXXX XXXX XXXX, who kindly escalated it to your office. Unfortunately, my subsequent conversation with a representative, which occurred on XX/XX/2024, at approximately XXXX XXXX, left me disheartened. Despite acknowledging my request, the response conveyed an unwillingness to address the matter further. I urge you to review the recorded conversation for clarification. 
I am writing to request immediate action to rectify this situation. Customers, including myself, should be entitled to comprehensive breakdowns of our financial transactions with each billing cycle. Therefore, I insist that future statements include the following essential details : 1. The principal amount paid during the current month.

2. The remaining principal balance as of the statement date.

3. The interest accrued for the current month.

4. The required principal payment.

5. The total payment ( principal and interest ) due for the month.

The absence of these critical details presents a significant obstacle to effective financial management and impedes our ability to track expenses accurately. It is imperative for Citizens Bank to take responsibility and enhance transparency by furnishing customers with complete and unambiguous financial information.

As the CEO of Citizens Bank, I trust that you recognize the importance of addressing this issue promptly and effectively. I eagerly anticipate seeing the necessary revisions reflected in my next statement. Rest assured, I believe in the bank 's commitment to transparency, honesty, and a mutually supportive relationship with its customers in navigating their financial matters. 

I appreciate your attention to this matter and look forward to your prompt response. 

Sincerely,
Product: Credit reporting or other personal consumer reports

I noticed several hard inquiries I did not recognize on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello : for 3 years I've been disputing with Experian as not only have they allowed my personal private information to be leaked they also refuse to update my report per Comprehensive Credit Act of 2020 section 401. They have bad information for a Bankruptcy on my file and some car loan. I've never been held to a contract for these two items and therefore they should not report on my credit as they are not mine. I called the courthouse where some entity pursued a Bankruptcy in my name but they refuse to discuss things with credit bureaus per the clerk. I asked for any paperwork signing off on a Bankruptcy but to no remedy. XXXX  has remained in compliance and removed the fraudulent Bankruptcy. At this point, I'm ready to pursue litigation against Experian as they owe me money for each negative item that remains on my credit report un solidified. Please advise and help prior to my filing things against Experian in Federal Court for fraud!
Product: Checking or savings account

My XXXX was hacked and turned onto XXXX mode for XXXX days. I wasnt able to call, text or receive calls or texts. During that time, my phone was hacked and whoever did it was able to use my social medias, bank accounts and whatever else I had on my phone. They were able to spend money without having my debit card or credit card information because some of the accounts had my debit card saved to it. So they spent money. The bank is saying it was me and that they texted me. But thats impossible because I wasnt allowed to make texts or even receive texts. And XXXX ironically wont allow you to get records of that without a subpoena. So I asked them to prove it with my ip address. And they havent. But they denied me my claim for over {$2500.00}. They wont answer me or allow me to speak to anyone with any decision making.
Product: Credit reporting or other personal consumer reports

XXXX  has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX  has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX inaction violates federal law and my rights as a consumer.
Product: Debt collection

The debt does not belong to me. 
This company is trying third party collection trying to get money from an account I have never opened. I am asking that that collection stop their attempts and dont put it on my credit. I have a question information from the that they did not provide, and I would like for this collection company to stop asking me for money of of a debt that I do not owe.
Product: Payday loan, title loan, or personal loan

I cancelled the loan and returned the loan the same day. They still call and harassed me and my wife several times a day.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$42000.00}, XXXX XXXX Balance : {$10000.00}
Product: Money transfer, virtual currency, or money service

I wanted to make 2 transactions to move money to my Fifth Third Bank moving {$8000.00} from my XXXX XXXX XXXX  and transferring {$5000.00} from my XXXX account both transactions were initiated on XXXX XX/XX/2023. 
Before this I had completed the 5/3 external bank transfer security deposits so I could initiate both transactions via the 5/3 website. 
A week goes by and the money isn't in the account and soon after they call me to tell that they couldn't verify the funds because they thought there was 'fraudulent ' activity despite me initiating the transfer via logging in and also completing the electronic small deposits. 

By the end of XXXX after I had called every weekday, they opened a case to investigate. They told me that a third party operator has the money and it would be returned by the XXXX XXXX to the accounts from which they came. 
On the XXXX XXXX {$8000.00} shows up in my XXXX XXXX XXXX, but nothing in my XXXX account. I check my fifth third account and the checking balance is negative- {$480000.00}, the balance should be {$0.00}- they said because the account has a hold on it - nobody told me I received no call to tell me that was happening or even a letter. 

I called XXXX XXXX after waiting anxiously for the 5 business days to see if the money would show up in the account. But 5/3 told me that I have to contact XXXX to claim my money back?!? 
They said that the third party operator who handles the money that is being transferred ( even though I initiated the transfer through 5/3 website ) might not be able to return the funds because of fraud. 
I asked how I would go about doing this, since XXXX would not know anything about this case, and the 5/3 representative told me they didn't know or the name of the company that was handling the funds. 

I am attempting to explain the situation to XXXX, but I am left in a situation of uncertainty with little to no help, in which I have to consistently chase answers from 5/3.
Product: Mortgage

On  XXXX / XXXX /17 a payment was made through my bank account for my mortgage payment to Ditech Financial LLC to an accidental incorrect account number. (  XXXX  ) A month later I get a letter in the mail saying the payment was never made because I had accidentally typed the wrong account number in payment information. I called Ditech Financial immediately and made two months payments on  XXXX / XXXX /17 to make the account even and Ditech said they would do a research to find funds and apply it to the account. That has never happened. I have filed at least four disputes to get the money back and they keep saying they can not locate the money even though my bank has faxed Ditech the Federal Trace information numerous times to show with 100 % certainty the money was sent and they have the money. I had the bank three way call Ditech with me to verify that funds were sent and they never came back to my account because of a bounced back payment from Ditech. Since Ditech can not find the money in their system they keep denying the dispute. I understand I made a mistake with typing the wrong account number but Ditech Financial for sure received the payment in their account and refuse to make right of my overpayment for my mortgage.
Product: Checking or savings account

Capital One is exactly 36 hours late crediting my direct deposit from my job to my checking account. According to social media, this issue is also plaguing other Capital One customers, leaving us without funds for rent, groceries, gas, and other essential bills to live. Instead of communicating with customers, Capital One failed to send out any mass marketing communications until about 24 hours after the issues began. As one of the millions of Americans living paycheck-to-paycheck, I rely on my bi-weekly paycheck to be on time to live. This has caused a massive burden and undo stress on me and millions of other customers.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX and Transunion are incorrectly reporting the XXXX account number XXXX. ( Please see pages 9 and 10 of the attached credit report. ) This account was paid in full over ( 60 ) days ago and the balance should have been updated on my credit report. I have contacted the ( 3 ) bureaus to have these line items updated, however I have not been successful. This incorrect reporting is harming my credit score. Please update to report accurately on my credit report.
Product: Checking or savings account

On XX/XX/year> I opened a checking account for BMO Simple Business Checking Account with a promotion code attached. This promotion included up to {$1000.00} for meeting qualifications, including an average collected balance of {$30000.00} for 90 days. I met these qualifications listed on the terms, but BMO has refused to pay the {$1000.00} promotion, citing that i did not meet the requirements, including XXXX debit card transactions. The debit card XXXX transactions were not listed in the original promotion. BMO promotinos vary from state to state. In fact, in California there is no mention of transactions in the original promotion anywhere on BMO site at the time in XX/XX/year>, nor is it listed as a requirement in the current California promotion today. See attachment for similar promotions in XXXX  currently, where the debit transactions are not a requirement.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, PA XXXX XXXX XX/XX/2023 I am Writing this letter to report inaccuracy on my consumer reporting Chase Auto XXXX XXXX XXXX XXXX LA XXXX XXXX Account number : XXXX ( XXXX ) XXXX 15 U.S. Code 1681s-2 A person Shall not furnished 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 and it be removed IMMEDIATELY!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I dispute all the information contained in Summary File Disclosure, Consumer ID : XXXX prepared on XXXX/XXXX/XXXX. I request to receive a comprehensive report of all updated verifiable information.
Product: Credit card or prepaid card

On XX/XX/2023, I checked my credit report and noticed that my credit score went down. It was due to a hard inquiry from Comenity Bank/XXXX XXXX XX/XX/2023. However I did not apply for a card on that date. I also noticed Comenity Capital Bank, XXXX XXXX XXXX and Comentiy BankXXXX also had several soft inquiries into my credit on that same day. 

On XX/XX/XXXX, I called XXXX ( XXXX ). They said that no credit card was applied for in my name. So I believe this hard inquiry was done in error. 

I spoke with XXXX who said this hard inquiry would be removed from my credit report but wanted to file a complaint here as well.
Product: Credit card or prepaid card

I applied to XXXX XXXX XXXX  on XX/XX/2022, as advised per XXXX XXXX when I looked into my credit collection it shows I have a collection of XXXX from this credit card. I had not use or was aware of this credit card under my name. Not this collection is on my name and on my credit report. I called the company in charge of the collection and was told I was served by court to pay this amount.