23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Respected Sir, This is regarding Credit Report displayed information is inaccurate and incorrect. 
Information in the Credit Report Published as Company Info : XXXX XXXX  XXXX  Account No - XXXX XXXX. XXXX XXXX- {$900.00} XXXX. Last XXXX XX/XX/XXXX XXXX. Account XXXX XX/XX/XXXX I already contacted the Company on the Account and received inaccurate response. 

In Accordance with the Fair Credit Report Act this account violated my rights.

15 U.S.C. 1681 Section 602 A 1 States I have the right to Privacy.

15 U.S.C. 1681 Section 604 A Section 2 It also States a consumer reporting agency can not furnish a account without my written instructions.

Kindly delete the account. 

Thanks XXXX XXXX
Product: Credit card or prepaid card

The card in question is the XXXX XXXX XXXX by OneMain Financial XXXX I applied for the card and was approved on XX/XX/23. I received the card on XX/XX/23. At the time I received the card it came to my attention that there was no web site available to monitor the card on my PC. Everything must be done via an app. I am a senior and not all that tech savvy and I have no apps on my cell, I pay all of my bills via a paper statement. I spent a week trying to get their website to work and was repeatedly told their " website was not available at this time '' and they do no issue paper statements. Via a phone call on XXXX, I requested they close my account and SEND ME NOTIFICATION that my account was closed. I was told I would receive a letter verifying the account was closed. XXXX week later I called the number on the back of the card, which I had cut in half and via the phone I was told the account was open and what was available to spend. One week after that, I made another phone call and received the exact same information. On XXXX, I spoke with a representative at that number and was told that system will tell me the account is open, but my account is closed. Huh????? How can it show it is open with an available balance but be closed?? I again asked for a written letter stating the account is closed via my request and here we are in XXXX and still no letter. I am getting no where with this company and I feel they keep giving me the run around ... .They could have typed and sent me a closed confirmation letter faster than I typed this to you. Can you help please get them so send me a written, paper letter verifying the account is actually closed? Thank you so much for your time. On a side note, I kind of feel it's kind of age discriminatory as many people in my age bracket and older don't use an app, don't even know how to use an app for them to issue a credit card without providing a website to use and monitor and for them not to mail out paper statements. Thank you again for your time. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian : During dispute phases, this company refuses to remove the account and conduct accurate verification. The accounts are removed for XXXX hours at a time and placed back on the report thus lowering the score by more than XXXX points within a few days. It has furnished inaccurate accounts without the debt collectors first contacting myself in regards to the account. I still do not know what the accounts are in regards to and have never been contacted in anyway before the information was furnished. This has resulted in multiple credit applications and mortgages being denied thus furthering the defamation of my financial character.
Product: Debt collection

I contacted the apartment complex to pay of the amount of XXXX. Only to find out that they no longer own it and my collection was sold. This was around XXXX of 2021. I did not know any of the company 's they sold my information to.
Product: Prepaid card

They locked my card after 6 years accusing me of having multiple accounts which is false because I closed out my old account in order to create a new one. They asked for personal information like my license, bills with my address and bank statements. They have still yet to respond to me in weeks and I still have no access to use my card. The support on the app confirmed I did not have another account as well but they're still not allowing me access and now they have all my personal information which I'm uncomfortable with since they've ignored me for two weeks.
Product: Debt collection

Advanced Collections is not licensed to collect in my state of Utah. This is reporting on my credit and they are trying to collect this debt from me in Utah ... They have not sent me valid validation of the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

A WAKEFIELD & ASSOCIATES Account XXXX The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 



That outstanding bill is not authorized by me. I am highly upset that this affects my credit score. I have never been affiliated with this company and I am a victim of fraud.
Product: Payday loan, title loan, or personal loan

I started working for XXXX XXXX XXXX XXXX in XXXX. When Began working for them, I didn't have any money. So my employment offered a service called dailypayXXXX, which it would lend you half of your daily pay. If I made XXXX dollars a day, the service would lend me XXXX dollars. The rest would go to my bank account. I used the service for my first check. They took XXXX dollars from my check and i received XXXX dollars at my bank. I didn't borrow no more money, the 2nd check out of nowhere, these people took XXXX dollars out of my second check for know reason at all. I called them and their receptionist became defensive. By them taking so much money out of my check i had to use the service for third time. They took double the money out of my check. Finally out of my fourth check, DailypayXXXX just took XXXX dollars out of my fourth check really stealing my money. I went to my employer about this, he is looking into it, and the XXXX XXXX XXXX  told me to contact you guys. I can't pay my bills. I barely can pay my rent. XXXX 's is coming up and cant by anything for my kids. This company is a scam and a thief. Please look into it, I have the proof to show the stealing. If you need it.
Product: Credit reporting or other personal consumer reports

It was a data breach from XXXXXXXX XXXX 15usc 1681, they sent me a letter this year XXXX letting me know my information was exposed. So I would like to address any delinquent inquiries
Product: Checking or savings account

I received a check in the mail that I thought was for my previous employer. Went to deposit it then I got an email saying my account has been Flag for fraud and my account closed. I tried to contact the bank so they can stop processing that check. But they said it has already started, and there's nothing they can do.
Product: Mortgage

Specialized Loan Servicing bought our new townhouse condominium mortgage in XXXX, DE in late XXXX and claimed they could not verify our insurance status, threatening to purchase it for us. I called them and they found the document which they had misplaced. In XXXX we changed insurance companies and they started the process again. This time they wanted our condominium association 's coverage on the building ( not my HO6 ) but they never clarified that over several exchanges ; the information was provided to them when clarified. Insurance was ALWAYS in good standing. In a follow up letter dated XX/XX/XXXX they verified my insurance status but noted that I had not been under LENDER ASSISTED STATUS since XX/XX/XXXX ; attached was a statement that their letter was coming from " debt collector. '' I sent them a certified letter dated XX/XX/XXXX reminding them of their error in XXXX and asking about the implications of their status as a debt collector. They sent me a written reply dated XX/XX/XXXX saying I had mailed my certified letter to the wrong office for complaints and asking me to resend it. As they could have more easily forwarded my letter, their response is clearly contemptuous and their behavior is in bad faith. I want them to correct their records from XXXX and to explain their role as a " debt collector '' in reference to my account. Finally, I wish to note the extraordinary difficulty in calling this company as virtually all their lines are fully automated and their " customer service '' line had a three hour call back time when I tried it.
Product: Debt collection

The debt was paid and is closed in the state database but they are still calling me when i told them I remembered paying it and it is not open in the database she said no thats wrong i have called the state database they say it is closed
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I sent certified mail ( us postal tracking # XXXX ) to XXXX XXXX requesting them to remove the inaccurate information on my consumer report and to send me my 1099C form per Federal Law 15 U.S. S-Code S 1681-s-2 Responsibilities of furnishers of information to consumer reporting agencies ( a ) Reporting information with actual knowledge of errors. Once I received the verification that XXXX XXXX receive the information I waited for their response and I never received an outcome, so I sent three different letters to Transunion, XXXX and XXXX so that they could start their investigation to remove but XXXX XXXX did reply to them stating that this information has been verified and it was not removed the instead XXXX XXXX changed the account amount on my consumer report from {$0.00} to over {$11000.00}. By law they have to remove this account or face penalties. I would like this to be removed immediately from my consumer report.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Unrecognized Debt and Request for Verification To Whom It May Concern, I am writig to formally dispute a debt that I recently discvered. I have not been previously notified of this debt and have not had the opportunity to dispute it. I request a thorough investigation as it appears my consumer rights have been violated.

I am invoking the following regulations and laws relevant to this dispute : 1. 12 CFR 1006.34 ( b ) ( 5 ) : I did not receive the necessary information about this debt, including my right to dispute it within 30 days. Please provide evidence that this information was supplied to me as required by this regulation. 
2. 12 CFR 1006.34 ( c ) ( 4 ) ( 1 ) : I did not receive proper notification about this debt or my rights to dispute it. The absence of proper notification violates this provision, which mandates clear communication of my rights.

3. 12 CFR 1006.34 ( d ) : The collection agency appears to be using false, misleading, and deceptive means to collect this debt. Such practices are prohibited under this regulation, indicating a violation of my consumer rights.

4. 15 USC 1681-S 2 ( 7 ) ( A ) : Reporting this debt to credit reporting agencies without proper notification and an opportunity for me to dispute it is a violation of this statute. This law requires creditors to provide accurate and fair information to consumer reporting agencies, which has not been followed in this case.

I requet that you provide me with the certified mail receipt, including my signature, indicating that I received notification of this debt. If you can not provide this, it will further support my claim that I was not properly notified. 
I ask that you cease all collection activities and remove any negative entries related to this debt from my credit report until this mater is fully resolved. Please respond to this dispute within the legally mandated time frame and confirm receipt of this letter. 
Thank you for your prompt attention to this matter. I look forward to your resolution and clarification. 
SincerelyXXXX XXXX XXXX
Product: Debt collection

Account Name : CAVALRY PORTFOLIO SERV ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX Date Opened : XX/XX/2017 Balance : XXXX Reason : Identity theft Please remove it from my credit report. 


Account Name : PORTFOLIO XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) Account Number : XXXX Date Opened : XX/XX/2017 Balance : XXXX Reason : Identity theft Please remove it from my credit report.
Product: Debt collection

I am asking for a investigestion on this account I do not have a contract with this company please have this company sign a contract bearinf my signature LVNV FUNDING LLCXXXXXXXX XXXX XXXX is this account and in accordance to the Fair Credit Reporting Act LVNV FUNDING LLCXXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 Section 602 A. States I have the rights to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agrncy can not furnish a account without written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I faxed over documents that included my ID as well as my FTC report showing that I had unauthorized inquiries on my consumer report. Equifax was sent two fax as well as a certified letter that they signed for but they are saying they never received the letter and I have proof that the documents were signed for. They are telling me that there wasnt anything that they can do but submit it again. That doesnt make sense because whos to say they arent going to lose my information again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Closed accounts, dates and time. Inaccurate amounts. Late payments reported on accounts that were closed or got closed. Paid accounts or settled accounts still say derogatory. XXXX XXXX  is reported with XXXX late payments which is impossible as it is taken right out of my check. The XXXX XXXX  is rears and shows a collection account and states derogatory. Been paying on the rears 4 years straight never missed a beat. Only reports negative balance and collection and derogatory, but doesnt report every on time payment. I am denied any types of loans and credit card. XXXX XXXXt should be effecting my credit bureau like it is. I trust u understand. Thank you
Product: Credit reporting or other personal consumer reports

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX formally writing in today to XXXX negative information appearing on my XXXX. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my XXXX. I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has XXXX my ability to obtain XXXX.
Product: Credit reporting or other personal consumer reports

I have contacted this EXPERIAN several times to remove the names/addresses from my credit report because the information is inaccurate. I have uploaded documents to the portal, many calls, and even mailed the documents to them with no difference. The items are still there. I then looked at my birthdate on my report which is inaccurate.
Product: Credit card

I used my American Express card to book reservation on XXXX on their website. I booked XXXX reservation for stay at XXXX XXXX and XXXX XXXX. 

Reservations were pre-paid with specific rate. 

After stay, I got surprise bill with more than XXXX the original charge. I reached out to American Express, provided the original reservation and asked for refund. 

American Express provided some documents from the merchant that is not readable and some invoices that I have not seen before and have not authorized. 

They closed the disutes in favor of the merchant.
Product: Checking or savings account

On XX/XX/XXXX or XXXX I had gotten a notification on my phone at XXXX saying 1 check had been deposited to my checking and another to my savings, the amount of the two different checks were {$1500.00}. The emails stated those checks were being held, but in my checking and savings, {$400.00} were processed from those checks. I immediately called my bank stating that none of those transactions and deposits were me. When i opened my banking app it showed i was negative {$3000.00} but negative {$2200.00} in my checking and around negative {$800.00} in my savings. I had spoken to the fraud department about this situation and they gave me a time period to wait until the claim can be investigated. I called again on the 7th business day to the fraud department asking for an update on my accounts, they had confirmed that my accounts had been breached into and been tracked to virginia, I am in California. I had asked the fraud department for a lost stolen transfer account and it was granted, creating me a new checking and savings account. When I realized I can open my account on the banking app again I saw that I was still negative the total of {$800.00}. I had a total of {$210.00} in my savings before this chaotic mess but they deducted that. 

I also had {$83.00} in my checking before they deducted that as well. I had talked to escalation team regarding this situation because nothing was getting done and I was just going in circles. Finally, after talking to escalation team, I was talking to a man named XXXX. He was stating that it was my providers and phone issues fault on why this XXXX  transaction went through. He was stating that my phone had gotten hacked into but he was still strong on me authorizing me making those transactions on XXXX. He stated to go to XXXX to get my phone checked out, my phone was perfectly fine. He then stated to tell me to go to the XXXX  store to check my phone to see if I had viruses on it, XXXX says that there was no breach on my phone, once again no issues with it. I have been called by different employees from my bank asking me if I made these deposits and transactions and the answer stayed the same.NO. They proceeded to say on all the phone calls saying what do you mean you didn't do these, it's in your name. I proceeded to say that I understand it's in my name but it is not me! I feel like the way these people are asking me makes me feel like a criminal for something I didn't even do, after they admitted it was fraudulent. I then proceeded to file a report at the police station to reopen my claim. I just can not believe I have to leave a paper trail to prove my innocence when I'm in California and it was confirmed that this person was in XXXX. The police report claim number is XXXX and the responding XXXX is XXXX. Can be reached from XXXX mon-fri XXXX  XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX I sent a letter regarding inaccurate and unknown inquiry on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate this item within 30 days gives a reason to immediately remove this item from my credit report it been over 30 days so they should be deleted promptly. I demand this account be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the TransUnion data breach and XXXX have got into the hands of the wrong person.
Product: Credit card or prepaid card

Financial Institutions such as Capital One are Circumventing and Evading Rule E, and Consumer Protection Law 's Ref.U.S.C.1693 and others by refusing lawful payment that can NOT result in Overdraft Fee 's, and requiring only payment methods that CAN result in Overdraft Fee 's. Because this is happening to Millions of Consumers and not just me individually, and costing over 8.5 billion dollars each year, the CFPB needs to Update Rule E in order to close the loop holes, and allow Consumers the right to choose NOT to opt in, and NOT pay Overdraft Fee 's.
Product: Checking or savings account

My card was lost and there was fraudulent charges over {$10000.00} Bank of America denied my claim stating it was authorized. I Appealed the claim and send evidence from the merchant stating that the transaction was not dont by me and they said to do a charge back to receive my funds. 

Still now Bank of America has not giving me my provisional credit for the total amount even though they are supposed to I need my funds back
Product: Vehicle loan or lease

I have been receiving threatening emails and login-pop ups about negative credit reporting to my bureaus if I am unable to make my account current as I believe at the time was 30 days late. I saw on Bridgecrest 's website that they offer an extension where I can roll my XXXX payments to the end of my loan making me better than current. I applied and was told it would be decided in XXXX hours, that didn't happen. I kept calling all of last week and over the weekend and to final avail, nearly a week after asking for it, I am told WITHOUT REASONING it was denied and now I am late. I was assured over the phone that my credit bureaus will not be touched by Bridgecrest hopefully on all recorded phone calls. 

Today I received some rep who was very confusing to speak to and kept making demeaning statements to me and then kept saying " yeah '' after everything. The frustration and lack of understanding led me to terminate the call and to seek the CFPB 's help in finding out why I am being discriminated against.
Product: Checking or savings account

Ill start out by saying that I am a victim of identity theft, and Ive had account after account B unlawfully accessed online by unknown individuals On XX/XX/XXXX, I transferred {$120.00} into my chime checking account which is managed by XXXX. 
Within moments, my account had the {$120.00} charged at a vendor named XXXX. 

I discovered the transaction on about two days later and contacted Chime to dispute the unknown transaction and Chime contacted me within about 30 hours 35 hours with the posting on the profile stating that it has been investigated and fully determined that the transaction that I had disputed had incurred no errors in the transaction and that there was no actions to be taken because the transaction had no errors? 
I didnt realize my card had been missing because I still had an old card in my pocket in my wallet so if I do not have my debit card, a transaction that I am unaware of shows up, I cant see how that they would accept that as no error errors! I contacted them again within a couple of days from the date of the investigation being completed and appeal their decision and it was denied again within a day or so, and I contacted them and I reported my identity theft report that I had submitted to the FTC and allowed Chime to know that I have been victimized by a identity thief and its been ongoing! They had me submit my FTC report and reopen the dispute and its been some time now and I have not even seen any updates on their website. If I look up the transaction it implies that its been closed, but I get different answers when I call them if Im not mistaken regulation E covers a fraudulent transaction made through electronic funds transfer?
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. There is an inquiry on my Transunion credit report that is fraudulent and do not belong to me. I've already filed an FTC report. The inquiry is XXXX XXXX XXXX XXXX XXXX XXXX XXXX