23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

At the end of XX/XX/2022 ( letter was postmarked XX/XX/XXXX ) we received a letter from I.C. System, Inc. claiming they were collecting a debt of {$62.00} owed to XXXX ( XXXX ). 

We sent them a letter in the following week and then 2 weeks after that another letter by USPS Certified mail that we were never customers of XXXX and thus could not owe them any money. We asked them for proof that we were the ones that owed money. 

On XX/XX/2022 we received a response by mail from I.C. System, Inc. that they claimed was proof. It was a bill from XXXX with my same first and last name ( no middle name present ) and an address in XXXX. However, we have never lived in that state or have friends or family in that state. It is not me. 

At this point we decided to file a complain with CFPB on XX/XX/2022 XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX violated my privacy rights as a federally protected consumer. see attached letter.
Product: Debt collection

Received a voicemail today from a XXXX XXXX : Yes ________ _________ my name is XXXX XXXX I'm calling with the office ___ __ I'm contacting you today in regards to information received for a client they want us to make yourself or legal representative or the matter and also get your XXXX prior to them moving forward if either of you can reach you back from you today my phone number is XXXX number is XXXX and your claim over XXXX again this is a time sensitive matter so please make sure we hear back from either of you immediately today I found that it was a company from Unity Asset Management. I didnt receive the voicemail until XXXX and called to receive information about debt since they said they were a collection agency ( through the website ). I pressed zero to talk to a representative ( their website claims they are open from XXXX to XXXX ) and it did not lead me to ANY representative except XXXX XXXX XXXX I called numerous numbers from the website ( XXXX, XXXX ) and the one listed in the voicemail and they all lead to the same person XXXX XXXX. This seems to be the recurring thing with her and being contacted by a XXXX XXXX and so forth. I have NOT recieved a piece of paper from this agency or have been made aware that I would need a legal representative. I will not know until they call again it seems.
Product: Mortgage

In setting up a new Wells Fargo Auto account ( not knowing the WFDS and WFHM IT platforms were different, I inadvertently locked myself out of my online account. Both Username and Password.

XXXX : I contacted Wells Fargo Home Mortgage on both XX/XX/XXXX and XXXX and spoke to several representatives as I do not get my statements by mail, all banking is done on line. I explained the problem, and received various responses. One lady told me they had to send me and XXXX to complete and send back. First and foremost, I am an Underwriting Manager and can not understand why an XXXX is required, no less by mail, when they are accepted by all agencies, with electronic signature, consequently the form never arrived. I offered MANY forms of ID, which are utilized in our industry all the time, as security measures. I offered my last username and password, my and my deceased husbands SS # 's, the amount of the Escrow Account refund check I had recently received, and would have been happy to provide any means of proving my identity, had I been asked. 

Another lady told me she would call me back in 24 hours with the problem solved. This never happened. 

XXXX I spoke to several people that were of no assistance. They then, after I asked several times, escalated me to a " supervisor ''. The supervisor did ask for my full SS number, and worked with me for approximately 1 - 1/2 hours to no avail. She ended her call with providing me a case number and stating someone would call me the next day at a time of my choice. I chose XXXX - XXXX. I am still waiting. 

At this point, I have NO access to my mortgage account, no mail statements or notices and no one willing to assist me in getting this account straightened out.
Product: Credit reporting or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiries or view my credit report. In addition, I did not permit Transunion permission to furnish this incorrect information on my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) which constitutes fraudulent activity and is also a serious breach of my privacy rights. The inquiries were not authorized by me. The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. 

Inquires Listed Below : 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 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 XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Mortgage

I opened a HELOC and they have violated my consumer right by denying me access to use my account which is direct violation to the FDCPA who prohibits debt collectors from using unfair or deceptive practices. Which also state a company can not block your extended credit in an attempt to collect a debt while I continue to make payments. 
I requested that they unlock my line of credit until they prove to me that I will not be able to pay future payments and they have yet to open my credit I have reached out to them multi times to request that they unlock my credit. I am asking that you help me in this matter. According to 15 USC 1681a ( I ) ( 1 ) The consumer being determined, based on information in the consumers application for the credit or insurance, to meet specific criteria bearing on credit worthiness or insurability, as applicable, that are established ( A ) before selection of the consumer for the offer ; and ( B ) for the purpose of determining whether to extend credit or insurance pursuant to the offer. Before selection of the consumer for the offer it was fully determined only the information on the credit application can be used to determine a firm offer of credit.
Product: Debt collection

Dear Bank of America ; I am writing to address a matter concerning an alleged debt which I have no knowledge of and believe to be a result of fraudulent activity. Despite disputing this with the credit reporting agency, they have confirmed your assertion of its validity. 

I want to clarify that I have never engaged with your companies or the original creditor in any capacity, nor do I recognize any contractual obligations with them. The reporting inaccuracies surrounding this account constitute a violation of FCRA and FDCPA regulations. 

In an effort to resolve this amicably, I must insist on proof of this debt, specifically the alleged contract or agreement bearing my signature, as well as proof of your authority in this matter. Without such documentation, I demand the correction of any erroneous credit reports pertaining to this debt. 

Please provide the following information promptly : Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for this alleged matter. 
Legal basis for your collection of information. 
Legal basis for your collection of this alleged debt. 
Evidence of your authorization to operate in this state. 
Proof of the alleged debt, including any contracts or instruments bearing my signature. 
Complete account history, including collection-related charges. 
I am also filing a formal complaint citing violations of my consumer rights under the FCRA and FDCPA. According to 15 U.S.C. 602 ( a ), I am entitled to privacy, and 15 U.S.C. 604 ( a ) ( 2 ) specifies that no account can be furnished without my written instructions. Therefore, I demand an immediate cessation of all communication and collection activities regarding this account. Furthermore, I request the deletion of this account from my credit report due to its unrecognized status and absence of contractual obligations. 

Your actions have infringed upon my rights under the following sections of the FDCPA : 1692d : Harassment or abuse in connection with debt collection.

1692e : Use of false, deceptive, or misleading representations.

1692g ( b ) : Failure to properly disclose my rights.

1692f : Use of unfair or unconscionable means to collect a debt.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 


Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account XXXX : XXXX Account Name : XXXX XXXX  Account Number XXXX XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account XXXX : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Product: Credit card or prepaid card

I paid {$150.00} to Synchrony Bank electronically from my Bank XXXX XXXX XXXX pay on XXXX XXXX XXXX Ohio on XX/XX/2022 and they credit my synchrony bank account I have filed a theft claim with XXXX XXXX XXXX XXXX and I have all the documents to prove that synchrony bank in fact got their payment I will file a police report if necessary
Product: Credit reporting

XXXX XXXX XXXX Card # XXXX ending in XXXX and XXXX have been reporting on my file as Charged Off. I have XXXX. Court of XXXX XXXX court in GA 's judgment where it clearly shows, I, XXXX XXXX, is not party to these cards. They are company cards and company settled the cards with XXXX in official court settlement. I have sent XXXX County Court Order and Settlement Agreements of Company with XXXX to all XXXX agencies, namely Equifax but they fail to delete these cards stating that one on settlement is not reporting however the account ending in XXXX is in fact ending in XXXX and XXXX is reporting it improperly or credit agency does not care. This is my 10th or 11th time disputing this as its clearly effecting my credit history and my ability to survive financially. Upon various requests in writing, credit agency failed to even explain how they are verifying this info. Other than these XXXX derogatory information, my credit report has been spotless.
Product: Credit reporting or other personal consumer reports

Some accounts should be reported that are not. I am a victim! I really need help to fix this problem immediately so I can continue with my life and not be hindered due to illegal credit reporting! I beg you to fix this! I demand to DELETE the following accounts from my credit report. 

1. XXXXXXXX XXXX XXXXXXXX Credit Card 2. XXXX XXXX  Credit Card INQUIRIES : XXXX XX/XX/XXXXXXXX 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

XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX RE : Accounts : XXXX  XXXX XXXX THIS IS NOT MY ACCOUNT! 

Dear XXXX, This account was falsely added to my credit report only by XXXX credit bureau. This is not My account! I have never in my life had a {$2000.00} limit credit card. This is fraud and I would like this account removed from my credit report immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act convergent XXXX XXXX ( Account # XXXX ), and XXXX XXXX XXXX ( Account # XXXX ) has violated my rights. 

15 U.S.C 1681 section 602 A. states i have a 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
Product: Credit card or prepaid card

Tjx charged {$25.00} late fee doubled the mothly fee This card is a thief likes to XXXX off consumers and charges these redicilous fees
Product: Credit reporting

I purchased a new vehicle and financed it with XXXX XXXX in XXXX. Later XXXX XXXX was bought out by XXXX XXXX XXXX. I lost my job and could not pay my loan and was first delinquent on XXXX. XXXX XXXX XXXX XXXX never reported the first date of delinquency. I have wrote letter after letter to the credit reporting agencies and contacted XXXX XXXX XXXX in regards to not reporting a first date of delinquency. On XXXX XXXX, XXXX, I received a letter from XXXX XXXX XXXX stating that account number XXXX was found in error and that a correction is required. This dispute was done by XXXX XXXX ( Credit Dispute Specialist ) at XXXX XXXX XXXX. In addition to the letter, I received a form from XXXX that shows the FCRA 1st date of delinquency as XXXX. On XXXX XXXX, XXXX I received an apology letter from XXXX XXXX ( Problem Resolution Services ) at XXXX XXXX XXXX. At this point, XXXX XXXX XXXX was reporting this CLOSED account as being paid as agreed and was still NOT reporting the 1st date of delinquency. This account was changed from a negative reported account to a paid as agreed account. I feel that this was done to keep the negative information on my credit file. I have wrote dispute letters to the credit reporting agencies and XXXX XXXX XXXX. I have a file full of letters and saved credit reports that prove XXXX XXXX XXXX and credit bureaus have been dishonest. Around XXXX XXXX, I sourced a paid copy of my credit report and XXXX XXXX XXXX still shows a paid as agreed account with no first date of delinquency and negative information. Remind you that this account aged out as of XXXX. I wrote a dispute to Equifax who in return contacts XXXX XXXX XXXX who continues to be dishonest. I supplied Equifax a copy of the information that XXXX XXXX XXXX sent me showing the first date of delinquency as XXXX. The representative at Equifax states that XXXX XXXX XXXX has still NOT reported the 1st date of delinquency and that is why the account still shows on my credit report. Equifax refuses to remove this negative account from my credit report. The representative at Equifax states that Equifax is reporting the information off of last activity date from XXXX XXXX XXXX. I informed the Equifax representative that this type of report is not correct. I have saved all of my letters and copies of my credit reports to prove my case that XXXX XXXX XXXX and Credit Reporting Agencies have been dishonest. In XXXX XXXX, I filed a compliant against Transunion and XXXX XXXX XXXX for this same issue. I was informed by a Transunion representative that XXXX XXXX XXXX was tell XXXX that the information is reported correctly. Remind you that I have supplied proof of letters from XXXX XXXX XXXX, XXXX decision to remove XXXX from my report, and copies of the disputes that I have filed with CFPB. As you can see from past complaints file with CFPB, this has been an ongoing issue. I expect my government to protect me as a consumer. I also intent to file legal action in federal court against XXXX XXXX XXXX and Equifax. Please feel free to contact me if you have any questions. My phone number is XXXX. Thanks for your help and time.
Product: Credit reporting or other personal consumer reports

Unauthorized Inquires listed below EQUIFAX : 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 reporting, credit repair services, or other personal consumer reports

The credit bureaus have been sent multiple requests for a proper investigation of this account listing. Each time, the credit bureaus took more than thirty days to complete the investigation... only to continue reporting erroneous information. The last letter was sent XX/XX/2022. A proper investigation has not been conducted due to multiple errors. The opened date is inaccurate, the credit amount is inaccurate, the date last reported is inaccurate, the date of last activity is inaccurate, as well as, the date of last payment. 

Inaccuracy # 1 - " Date Opened '' Inaccuracy # 2 - " High Credit '' Amount Inaccuracy # 3 - " Last Reported '' Inaccuracy # 4 - " Date Last Active '' Inaccuracy # 5 - " Date of Last Payment '' Inaccuracy # 6 - " Two-Year Payment History '' reflected conflicting information. 

Along with the fact that this account has been reporting a charge-off account for many years. Seeking further action is illegal, as XXXX XXXX XXXX has written this debt off. 26 CFR Subsection1.166-3 ( a ) ( 3 ) ( i ) Deemed charge-off. If a significant modification of a debt instrument ( within the meaning of 1.1001-3 ) during a taxable year results in the recognition of gain by a taxpayer under 1.1001-1 ( a ), and if the requirements of paragraph ( a ) ( 3 ) ( ii ) of this section are met, there is a deemed charge-off of the debt during that taxable year in the amount specified in paragraph ( a ) ( 3 ) ( iii ). 

( a ) ( 3 ) ( iii ) of this section. The amount of the deemed charge-off, if any, is the amount by which the tax basis of the debt exceeds the greater of the fair market value of the debt or the amount of the debt recorded on the taxpayer 's books and records reduced as appropriate for a specific allowance for loan losses. The amount of the deemed charge-off, however, may not exceed the amount of recognized gain described in paragraph ( a ) ( 3 ) ( i ) of this section.

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX, has violated my rights.

15 USC 1681 section 602 A - states I have the right to privacy.

15 USC 1681 section 604 A section 2 - states a consumer reporting agency can not furnish an account without my written instructions.

According to 15 USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}.
Product: Debt collection

I have no knowledge of original debt now hav I been contact by original office saying I owed any amount, all my medical should be covered by my insurance, so I have no idea how I should even owe this, ARS Showed up on my credit report with no attempt to contact me saying I owe this money, I believe my medical information was sold with out my permission and ARS is attempting to collect money fraudulently, which seems to be a common complaint about this company, I have never sign any contracts with ARS saying I would pay them any money, and as per HIPPA my rights have been violated by ars
Product: Checking or savings account

My account had fraudulent charges, the charges caused.my account to be withdrawn. Even through Wells Fargo acknowledged the charges as being fraudulent they only refunded me two overdraft fees but there were twelve in total. Also they did nothing to stop or help me from incurring charges. I had to close my account to save my direct deposit. That was two years ago and they are still sending me bill for the fees of a secured credit card I closed in good standing.
Product: Checking or savings account

On XXXX XXXX my wife received a call from a Chase Private client rep asking if she made a {$94.00} purchase on her debit card out ot town. She told them no and the rep stated he needed to deactivate her card and a fraud specialist will be contacting her to resolve .When the specialist contacted her and identified himself as a Chase rep we proceeded to resolve the issue. I then got involved. After much time and them locking me out of my online account it turned out that the Chase rep was a fraudulent individual. They had moved my HELOC ( for which was there for 9 years and never touched ) into my checking account along with some money out of my savings without me knowing. They then did 4 different wire transfers to 4 different individuals within the XXXX. I had never executed a wire transfer in my 20+ years banking with Chase. Chase is not taking any responsibility for any of this, stating that they sent the authorization codes to my phone, for which i never did receive and would have never approved. This is to the tune of {$150000.00}. After multiple attempts with the local and then executive office of chase I am still fighting for them to step up and take responsibility. I have now had to hire an attorney to pursue this matter. ridiculous how these big companies can take advantage of small clients like this. i am now having to pay back on a monthly basis on a loan i never received.
Product: Checking or savings account

On XX/XX/ I was scammed on FB by someone by the name of XXXX XXXX who hacked into someone I thought I knew. They used her account to advertise some products for sale. As a result I was scammed out of {$350.00} which was sent to and email address XXXX which was used for the XXXX transfer. As soon as I discovered the scam on the same day I reached out to Chase and ask to stop the payment they say it was too late so I entered a claim which was denied. I just dont understand how come they cant retrieve the fund the same way they transferred it. I know theres a lot of people who are suffer the same financial loss and Chase refuse to help in recovering their funds.
Product: Credit card or prepaid card

I have a loan with CAPITAL ONE BANK USA N. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, and CAPITAL ONE BANK USA N with no successful resolution.XXXX, XXXX, and XXXX  reporting me late. There was definitely an error on their part. I was never 30 days late ( XXXX ), also I was never 60 days late ( XXXX ), moreover I was never 90 days late ( XXXX ), lastly I was never 120 days late ( XXXX, XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

m disturbed that XXXX and Experian are still report a dismissed bankruptcy ( chapter XXXX/Chapter XXXX ). The fair credit Reporting Act mention nothing in the section 1681c relating to bankruptcy about dismissal or filling. The law clearly states from " date of adjudicaiton '' or date of " order of relief ''. Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, you have no rights to maintain information which the government has deemed non existent. Therefore, pursant to Section 1681 ( a ) ( 5 ) of the FCRA you must delete this information from my credit report and send me an updated copy within 14 calendar days.These items were removed on XX/XX/XXXX and reapplied/put back on to my credit file today XX/XX/XXXX. This information is incorrect and by law can not be resubmitted each month. As a consumer I have the right to have my credit file show the correct information. Submitted documentation to have XXXX XXXX credit auto removed amount {$8100.00} fraudulent account. Account must be deleted by law from credit file.