23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2021 a collection account has been wrongfully placed on my credit report. Currently, XXXX XXXX XXXX collection is reporting to my credit report on Experian with a balance of {$2300.00}. XXXX XXXX XXXX is currently violating my rights as a consumer. I was not provided a violation of debt letter. And according to Debt Collection Rule clarifying certain provisions of the Fair Debt Collection Practices Act ( FDCPA ), and 809 ( 15 USC 1692f ), Validation of debts includes ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such. 

I contacted experian and they stated that there was nothing that I could do.
Product: Credit reporting, credit repair services, or other personal consumer reports

Late Payments Were Put Onto My Account whenever I Was Enrolled In XXXX. These Need Removed. Ive Contacted Both Loan Providers By Phone, Mail And Email And got Nowhere With Them. They Said They Were Supposed to Be Removed Yet They Remain And That Was From XXXX Years Ago Now.
Product: Credit card or prepaid card

A credit card application was applied under my name for an XXXX XXXX XXXX XXXX Credit Card thru Bank of America ( BOA Application Reference # XXXX ). This was a fraudulent application and someone out there is using my credit record to apply. Not sure how they accomplished it but wanted to report it to you in case it's more widespread issue using my SSN. Application was filled in late XX/XX/2022 via XXXX. This application is NOT me.
Product: Debt collection

American express has violated the arbitration agreement enclosed in the original contract which has no wet signature in reference to consent to contract. Reporting negative information to any CRAs is in direct VIOLATION of FDCPA law as it pertains to cease and desist with direct or indirect communication of a consumer. Reporting to any CRAs without my consent and against a lawful cease and desist contests the integrity of the FDCPA law as per my last complaints. Within this arbitration agreement insurance for loss of credit is included. As this pertains to FDIC all accounts with FDIC member institutions are protected. An FDIC report has been furnished on account of this fraudulent activity American express has committed
Product: Credit card or prepaid card

On XXXX I got taken out from my prepaid card {$900.00} fraudulent. 
My money was taken out the same morning was deposited. 
Is been 40 days and I haven't received any news, I been calling bank of america and they first cancel my investigation and they re opened a couple days ago and I haven't been able to use my card since XXXX. I had money transfer to the account and I'm not able to use it. Every time I call is a different answer and they do not resolve the problem or don't give me an answer when would it be solve. I'm desperate and I need the money that was taken from my account and the money that is been transfer to my account.
Product: Checking or savings account

I used to bank with Wells Fargo and I always had over draft fees, I would get paid and within XXXX  days my account was in negative and I would keep track of my spending and I always had enough for my bills, I even made sure my account didnt have over draft fee activated. It happened every XXXX weeks when I would get paid. I was always getting charged fees. I called and went in person several times to the local Wells Fargo in town and they would tell well you need to keep track of your spending or get a job that pays more
Product: Credit reporting or other personal consumer reports

My alarm system XXXX, charged my bank account in error for equipment that was already paid causing my mortgage payment to bounce from my account. I told XXXXXXXX XXXX  about what happened and was told I would not be penalized and no adverse reporting to the credit bureau would take place. I told them when I would make the payments this month as I was waiting for XXXX to refund thousands of dollars from the error that was made. Ive never been late and I believed the XXXXXXXX XXXX  representative. I have a top secret security clearance for work and negative credit reporting isnt allowed. XXXXXXXX XXXX reported the mortgage as late, my score plummeted and Im at risk at work for disciplinary action as a result of the negative mark on my credit report. By the XXXX two full payments will be made to XXXXXXXX XXXX  ( one has already been completed ). XXXX XXXX can schedule the payment if they want assurance. XXXXXXXX XXXX knows this isnt my fault yet Im being penalized because of a terrible error from XXXX.
Product: Credit card

I opened with Synchrony Bank to purchase windows for {$16000.00} under a promotional no-interest offer. 

When I signed up for this financing, I thought the No Interest promotion applied exclusively to the balance during the promotion period. However, upon reviewing my agreement with the service representatives, I discovered that once the promotional period expires, I will be charged interest on the entire {$16000.00}, not just the remaining balance. 

This was not communicated to me at the time of purchase, and I am concerned that this arrangement will be financially burdensome.
Product: Checking or savings account

I had opened a rewards checking account with Axos Bank in XX/XX/XXXX to avail of the offer of having a direct deposit of {$1500.00} to earn a {$150.00} cash bonus. I satisfied that requirement on XX/XX/XXXX itself, however, till XX/XX/XXXX no bonus was added. I reached out to support over the phone who indicated a promo code wasn't applied. I have since transferred my {$1500.00} in XXXX to my bank account but have kept the account open for investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiry on my credit from XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX. This was not suppose to be hard inquiry. I was told to be pre-approval only. 

Also I am not familiar with COAF on XX/XX/XXXX. No knowledge of this creditor.
Product: Debt collection

I had two collections with XXXX XXXX XXXX. They called collecting a debt in early XXXX and they offered a settlement for each of the accounts if I could pay the settlement offer in full. It was also agreed that once the payments were made in full they would remove the negative collection from my credit report. I made the payment and have made several attempt to have it removed from my credit report. They now are stating that they never agreed to remove the negative information.
Product: Credit card or prepaid card

I paid my TD Bank XXXX card from my XXXX XXXX Checking account via an electronic check on XX/XX/20 BILL PAY TD BANK NA ON-LINE for {$790.00}. The amount was deducted from my checking account that day. Two weeks later I received a past due notice and contacted TD Bank by phone. They indicated they never received it. I contacted XXXX XXXX said it was accepted by TD Bank. It was determined after three weeks of phone calls that the credit card number reference number to pay the account did not match my credit card number. So XXXX XXXX on a three-way conference call with TD Bank and myself gave TD Bank the information to locate the payment. After that I received a letter from TD Bank asking for a copy of the check. I called them again and told them it was an electronic check from a bank. Unbelievable ... Since then I have been on 9 more calls to TD Bank and XXXX XXXX plus two more three-way calls where XXXX XXXX provided the payment information to TD Bank by FAX while we were on the call. Today I was contacted by a credit collector from TD Bank for non-payment after I explained my story AGAIN the TD representative asked if I could hold. I said yes and after waiting about 20 minutes I was disconnected and no one bothered to call me back. The rep said her name was XXXX or XXXX XXXX. I am a new TD Bank customer and they have been a nightmare to deal with and every time I call and have to recant my story then they tell me they never received the information from XXXX XXXX. What incompetence. The {$790.00} was deducted from my account on XX/XX/20 for a bill due on XX/XX/20 and I am still being harassed by TD Bank for payment they received four months ago. They actually owe me money back as I over-payed. I can't deal with this anymore. Please contact my son XXXX XXXX. He has durable power of attorney over my finances and he will be handling this matter moving forward. Thank you.
Product: Debt collection

Moved from XXXX XXXX, XXXX to XXXX, XXXX XX/XX/XXXX. Cancelled my XXXX ( internet ) # XXXX but for some reason the account was not cancelled as I requested and XXXX kept withdrawing from my auto payment from XX/XX/XXXX to XX/XX/XXXX. I started calling in XX/XX/XXXX to XX/XX/XXXX to complain. 
Nobody could help me until XXXX XXXX supervisor in XXXX transferred and credited the {$420.00} from the original XXXX account to my new XXXX acct # XXXX. 
Today, XX/XX/XXXX, I got a debt collection from Sunrise Credit through the US Mail stating that I owed them {$420.00} from old account. 
Talked to sunrise credit company and XXXX, even went to the store, but nobody seems to be able to help me. 
I called 13 times to XXXX, but still ... nobody seems to be able to handle my case. Their cust service agent created XXXX cases before, but nobody ever followed up and every time I have to repeat my story without any recourse of talking to talking to their manager / supervisor, because of their PROTOCOL. 
Last conversation with their billing dept, lady with ID XXXX, she has to create a new case # XXXX. 
Just FYI, I had been talking to Cust service dept, Retention Dept, Billing Dept in US or in XXXX but so far no luck.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax in XXXX of 2018 and I received the results of the investigation stating the account XXXX was deleted from my credit file confirmation # XXXX. However, I checked my credit file and I see the account was added back and I'm confused how this can be when I was never notified that the account would be added or that there was a change. It's my understanding that notifying the consumer prior to reinserting the account for whatever reason is the process.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX have been trying for over two years to get XXXX XXXX XXXX off of my credit report. 
XXXX. Experian continue to do inquiries on my credit report and when with a perfect payment history will not update my credit scores. 
XXXX. XXXX XXXX XXXX XXXX shop approved me a card but refuse to unlock the card and the reasons are that when they call me phone it doesn't ring. I have been trying to work with them for months now. And I have asked is there any other way for them to verify my account since the problems are happening on there end. My phone rings all day long and my three way call works very well. I need this matter corrected. 
XXXX. I have contacted all three bureaus about some inquiries on my credit report which I did not do. I put a credit freeze on them but they still haven't removed them off of my report. These are the following agencies I didn't apply for. 
XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX An assistance you are able to give will greatly be appreciated. Thank in advance
Product: Credit reporting or other personal consumer reports

I am writing this letter to dispute fraudulent items that have appeared on my credit report. I have recently discovered that I have been a victim of identity theft, and I want to assert my rights under the Fair Credit Reporting Act ( FCRA ) and relevant consumer laws.As per FCRA 605B ( 15 U.S.C. 1681c-2 ), which protects consumers from the consequences of identity theft, I am requesting the immediate removal of the following fraudulent items from my credit report. 
I demand the prompt action of these fraudulent items from my credit report. I expect these items to be removed within four business days of your receipt of this letter, as mandated by FCRA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

A hard inquiry was made on my credit on XXXXXXXX by FEB/DESTINY and I did not apply or attempted to apply any sort of credit hard. I have no knowledge of this inquiry and no information from the company was provided to me
Product: Vehicle loan or lease

I have an auto loan with Chase Auto Finance. 

Per their instructions, I sent a loan payoff check in the full amount ( approximately {$19000.00} ) to their loan payoff division. 

Chase received the check and confirmed it was in the correct amount. 

Chase cashed the check and only cashed it in the amount of {$190.00}, having left off a few digits. 

It's unclear if this is a mistake by Chase or by my bank, XXXX. 

Chase now wants me to send another {$19000.00} check with no gaurantee that my original check will not be cashed in the full amount as well and has told me I need to spend my time going to XXXX to figure out a problem that should be resolved between Chase and XXXX. 

Now, Chase is sending me letters and phone calls threatening to repossess my vehicle. 

I've wasted hours on the phone been put through a lot of stress around this issue and would expect Chase to resolve the issue by working with my bank directly rather than putting me in the middle of a problem that I did not create!
Product: Debt collection

After receiving a call from a company called Phoenix Financial Services stating that I owed their company {$980.00}. I asked the company to verify the debt. They sent me documents that could have easily been made up on a word document. They sent me on XX/XX/2023 verification documents which did not include any signed contracts or any detailed information about the services provided. I have never done business with Phoenix Financial Services or with their client XXXX XXXX XXXX. If I had medical work done why don't they have medical records to proof the debt. This collection company never sent me an initial demand letter. Further they have not proven within 30 days of my demand for verification that the debt is owed by me. One paper says original creditor is XXXX XXXX XXXX XXXX XXXX but then all verification comes from XXXX XXXX XXXX. How does Phoenix Financial Services have the right to to collect this for XXXX XXXX XXXX when XXXX XXXX XXXX XXXX XXXX is said original creditor. XXXX XXXX is not licensed in California to be a debt collector and do not have an active license with XXXX. This is no my debt I at no time was ever seen by of these corporations and I would like to see signed HIPPA releases from me allowing any potential medical records to be allowed to be shared with these third party by XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am writing to formally raise my complaint regarding the inaccurate credit information present on my credit file. It is disconcerting to find that the following information has been included in my credit report. I strongly urge you to promptly verify the inaccuracy of this information and remove it from my profile due to the detrimental impact of such inaccuracies on my creditworthiness. I do not consent to an electronic communications. I request all responses be in writing throughtheusps and I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim. These items contains inaccurate details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please remove these items from my credit profile ASAP.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX Balance : {$320.00}
Product: Checking or savings account

In the month of XXXX, Wells Fargo Bank closed my personal account # XXXX XXXX XXXX and my business account # XXXX under the name XXXX XXXX XXXX both at the address XXXX XXXX XXXX XXXX XXXX XXXX XXXX florida XXXX, after the closing month of WELLS FARGO BANK where they were supposed to send me the funds and I called them and they told me that the checks deposited in my account came from the XXXX XXXX of the company XXXX XXXX XXXX were cancelled. I contacted the owner of said company and we assisted her bank to verify if this was correct and it was not, nor did her company make the request for the reimbursement of said funds, nor did the XXXX bank itself do this, that is, wells fargo has the money and XXXX can't do anything, and I tried to get the WELLS FARGO bank to give me my money which they have and they have refused to do so. my personal and business account were finally closed on XX/XX/2023. # XXXX XXXX XXXX {$15000.00} and # XXXX XXXX XXXX  XXXX {$42000.00}. 

Even as of the current date XX/XX/2023 I have not obtained my funds from my WELLS FARGO bank accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are not authorized and not validated per FCRA and creditors are also aware. these must be removed due to ID theft FTC and ID/address attached : * Account : XXXX XXXX XXXX XXXX  Source of dispute information : accounts * Amount {$600.00} * Dates associated with item being disputed : XX/XX/2023 * Account : XXXX XXXX XXXX  * Source of dispute information : inquiries * Dates associated with item being disputed : XX/XX/2023 * Account XXXX XXXX XXXX XXXX XXXX  Source of dispute information : inquiries * Dates associated with item being disputed : XX/XX/2023 * Account : XXXX  * Source of dispute information : inquiries * Dates associated with item being disputed : XX/XX/2023 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed information repeatedly regarding my XXXX XXXX XXXX XXXX auto loan. They have indicated that they " researched '' the account and found the reporting to be accurate. This can not be possible as I was forced to wait in their XXXX XXXX XXXX location most of the day while the loan was audited and found to be current. The issue occurred when they added insurance to my account without informing me. I walked into the branch every month and made my payment. Not once did any associate tell me I was behind on my account until I received a one month late notice. I was confused but brought it current. They continued to carry the insurance fee over until my payment was one month late. When I questioned them, they would not give me information. When I finally got to the information I needed, I corrected the insurance issue. They chose to apply the insurance credit to principle and refused to bring my loan current. I went to the primary branch and remained in the lobby until a representative finally put the loan in for audit. The audit revealed that the loan was not behind. That representative told me he would not correct the reporting. I have been disputing it since then. If the audit revealed the loan to be current. The reporting should have been corrected also. There is no logic to support that an incorrect loan that required auditing and correction was reported accurately as it was.