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

in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2 Account name : XXXX XXXX XXXX Account number XXXX XXXX 15 U.S.C 1681 section 602 A. 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681S-2 ( a ) ( 1 ) A person shall not furnish 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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Product: Credit card or prepaid card

I opened a Wells Fargo pre-paid credit card in hopes that I could rebuild my credit score  after XXXX. I deposited the required amount and was promised that after XXXX year I would receive my deposit back and an increased line of credit. That did not happen. The terms of my original agreement changed. I disputed this change with Wells Fargo and was told that my available credit limit ( lower than my deposit and the terms ), was to high to allow me to advance my card to a regular credit card. It took me multiple years to get my pre-paid card to turn into a credit card. Additional problems, fees, and credit reporting problems have occurred. I currently have a high credit score and Wells Fargo was misleading, years after opening this card effected my XXXX XXXX negatively with no missed payments, and overcharged me for interest percentages that were supposed to reduce when I completed the XXXX year of pre-paid and transitioned to actual credit card.
Product: Credit card or prepaid card

This is my original complaint case number : XXXX I made my two payments and the resolution was they were going to credit back. I've contacted them and they still havent credited and mentioned they don't see a credit on file. I'm trying to get this resolved before XXXX so they don't hit additional fees. Please help. 

Thank you!
Product: Debt collection

Served an order to appear in court on XX/XX/XXXX from XXXX and XXXX XXXX. It states the plaintiff was Midland Funding LLC. The document states that I am the owner of a debt obtained on XX/XX/XXXX in the amount of XXXX. I had to appear at court on XX/XX/XXXX which I did. At that time there representative was about to leave but I stopped him and stated what I was there for. He asked my name and I told him. It was at this time I had asked him whom was the debt from and he stated he did not know and that I could call a XXXX number and they could tell me more information. He stated he was just there to ask XXXX questions that I answered. When I called the XXXX number the agent I spoke to was rude but I asked him where did the debt come from especially since it was a debt from almost XXXX years ago. He stated XXXX XXXXXXXX XXXX. At that time I told him I never opened an account up with XXXX XXXX XXXX and I requested he please send me all the original documentation to verify that I was the owner of this debt. He laughed and stated ok and hung up the phone. XXXX XXXX XXXX is a credit card company and I don't have any memory of opening an account with them at that time. I still have not received the documentation or spoke to anyone regarding this situation. My complaint is that they are trying to garnish my wages for a debt that may not be my debt and also if it is a credit card then they are well past the statue of limitation for this debt. This has cause a lot of unwanted stress in my life.
Product: Debt or credit management

I had began working with Debt Advisors of America near the end of XXXX, XXXX, with their representative XXXX. During a phone call where XXXX went through how the program works and went over the contract with me ( which they did not prove me a copy of whatsoever ), I had asked him if/how their recommendations would affect my credit score. XXXX assured me that while my credit score would lower as a result of initial missed payments, it would begin to recover after 3-6 months as the payments begin being made from their company. We are now nearing 15 months since I began working with DAA and my credit score is still nearly XXXX points lower than it was prior to working with them. XXXX had assured me my credit score would recover quickly, as that was my one concern prior to agreeing to work with them, and he provided me false information that, had I been told truthful information, would have led me to not sign their contract. I have tried contacting them through the XXXX XXXX XXXX to file a complaint there, but they simply stated XXXX gave correct information and refused to discuss any further, and refuse to provide evidence of their claims via their call recordings.
Product: Credit reporting or other personal consumer reports

I recently looked at a copy of my credit report and noticed several inaccuracies on my account. this is hurting my ability to get credit. it is my understanding that you will investigate these items for me to make sure that everything is accurate. 

here is the item i am asking you to verify as accurate : XXXX XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

I filed a previous complaint about this company. One of the issues was that when the website was not working, over and over again it would give me an option to log in only by having a-mail or text sent, but then it would say that the code had been sent. However, I had not received it ; and so this bank/credit card company was apparently sending a way to log in to my account to someone else. 
The company tesponded to the complaint but made no attempt to fix the issue. If I select the option to log in by receiving a code, the code is apparently still being sent to someone else. 
On XX/XX/2019, the bank/credit card services refused to accept my call with a message that it would not accept calls from my phone number. The recording went on to state that I must type in the number which it had called. I was not called, and so this appears to be an even worse/more flagrant deliberate sending of my account information by U.S. Bank to an unknown third party. 
On XX/XX/XXXX, I called two numbers, XXXX and XXXX. I called the numbers because there was an XXXX charge and an XXXX refund on my account from somewhere in XXXX XXXX, Nevada. I was concerned about whether someone was trying to see if the card number was valid ; and so even though the amount showed a refund for the same amount as a charge pending I wanted to ask someone at the credit card company if this was anything to be concerned about. 
But now I am really concerned because the company would not allow me to talk to anyone, and it apparently is calling someone else unauthorized about my account. 
XXXX never would have selected this financial services provider for its credit cards if it had known that the company would place it's co-op members ' information at such risk! 
Please help!
Product: Checking or savings account

I am filing this complaint because over the last XXXX and a half months TD bank has not been willing or able to properly investigate a check fraud that I reported to the Bank on or about XX/XX/year>. 
Over these XXXX months I filed 2 Affidavits of fraud with the branch, visited the branch on XXXX different occasions, had at least XXXX half-hour calls with the Banks fraud department XXXX and had 8 emails with the XXXX XXXX XXXX. 
I attempted to escalate the case through both the Branch and the centralized XXXX department, and still there is no clarity on the status of the investigation and what the expected outcome is. In fact, the latest emails from the Branch suggest that the fraud case will probably never be resolved. Furthermore, the Branch assistant manager stated that she has a similar case she cant resolve, so this seems to be not an isolated incident. My inquiries of where I can escalate this case with the internal or external oversight were ignored. 
Based on the above, I believe that the bank has inadequate or ineffectively operated process to investigate and prevent fraud activities, insufficient or ineffectively operated procedures to escalate the disputes and fraud cases, and ineffective operating procedures to respond to the customers inquiry of their rights to complaint with the banks internal departments or external regulators.
Product: Credit reporting or other personal consumer reports

Enfin Financial is the financing behind our solar panel system that was installed in XXXX XXXX XXXX. The system has never worked since installation and the contract included a generator plug being installed in my fuse box, a new generator and a {$500.00} incentive. Enfin Financial forced this financing through without doing their due diligence in ensuring that the products they're financing have been installed properly and fully functional. I have notified Enfin Financaial as far back as XXXX once we identified that the system does not work. Prior to adding an additional XXXX panels I had a fully functional XXXX panel system that was installed 3 years ago that worked perfectly. Once XXXX XXXX installed the additional XXXX panels the system has not been generating energy because it's wired wrong. I've received the same canned response from EnFin since enception. They're investigating with no updates. In the mean time they've hit my credit with late pays. I'm not paying for a loan when I don't have all the products that the loan was to pay for nor do I have an operational solar panel system. Apparently this was a scam by XXXX XXXX who went out of business in XXXX, XXXX XXXX who wasn't permitted to install the panels in the first place and Enfin Financial who was financial arm of the scam. There's over XXXX homes in the XXXX, TX metroplex that have had the exact same thing happen to them. The truth in lending aspect of this transaction is unethical. I've had to hire an attorney to get this mess straightened out / class action law suit.
Product: Debt collection

jefferson capital system pushed fraudulent documents through courts said they served me at home but I was XXXX  I have copies of fraud documents and you can confirm I was in XXXX  you can confirm at XXXX they claimed to serve me XX/XX/XXXX XXXX in XXXX   from XX/XX/XXXX to XX/XX/XXXX this is intentional fraud
Product: Student loan

These loans in which my parents and I thought to be much like the federal loans were very deceiving. At this time, the interest rates that I have reviewed have more than tripled the amount in which I borrowed. The biggest issues is that my family and I can not make the payments at this time. I have tried to get them to help out, but it is apparent that they can not reduce my payment any lower. I suggest that no one use PRIVATE STUDENT LOANS.
Product: Checking or savings account

My local Bank of America branch manager offered a free Business Advantage Checking account, if I used their payroll services. On XX/XX/XXXX, I applied for a business checking account with Bank of America. On XX/XX/XXXX, I received the Welcome Letter indicating how to qualify for the no-fee account ( enclosed ). I was told verbally in person, and in writing, that as long as I kept Bank of America 's payroll provider, XXXX, I would have a free Business Advantage Checking account. Due to these promises, in writing, I went with Bank of America. On XX/XX/XXXX, Bank of America charged me a {$29.00} monthly service charge. I called Bank of America on XX/XX/XXXX to have the monthly service charge removed. The customer service representative stated that Bank of America had changed its policy regarding service fees. I asked to speak with a manager, who stated the same policy. I informed him that I had it in writing that as long as I use their payroll service, I would pay no monthly service fees. He then stated that Bank of America had changed my Account type and that there was nothing I could do. I never agreed to any changes. He also stated that I would have received a package in the mail, AFTER I opened this account that would have had many disclosure and exceptions stating Bank of America could change its accounts and policies at any time. Well, that's not the agreement we made, nor how I was enticed into doing business with Bank of America. In this time, where businesses are struggling to stay afloat, I find it appalling that Bank of America would engage in bait and switch tactics to illicit new business and then engage in unfair and deceptive business practices to pad their bottom line. It is the epitome of big corporation greed and everything that's wrong with Corporate America.

Given the fact that I have, in writing, the policy that states as long as I engage in one of the five qualifying criteria that would entitle my account to no monthly service charges, I'm respectfully asking that Bank of America remove the current charge of {$29.00} and all future monthly service charges, as per written and oral contract. Should Bank of America fail to respond to this complaint or refuse to remove the current and future service charges, I will seek any and all remedies available, including damages. I will also file complaints with the Massachusetts Attorney General 's Office of Consumer Affairs and appropriate Regulatory Banking Authorities. I will also be forced to follow the advice of a legal professional regarding any and all legal remedies, including damages
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the  XXXX  to notify them that they were reporting some incorrect information to my report. I requested that they validate this information and as of today they have not responded to my request.
Product: Credit card

Concora processed a payment of {$600.00} without my authorization, I called to find out why they processed the payment they told me that I called them to make a payment which not true. I spoke with a supervisor I explained the issue she told that she was going to check the call details to check from what number the call came from she told me she would call me today XX/XX/year> at XXXX I never received a call back today. I logged into my account and it says that I don't have access to the information. I consider this fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ), Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ), Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX, Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ), Account : XXXX Reason XXXX Delete this unverified and inaccurate account
Product: Credit reporting, credit repair services, or other personal consumer reports

There is currently an account on my CREDIT REPORT that is in COLLECTION that I have never opened. It is from XXXX XXXX. 

The amount is {$1800.00} as of XX/XX/XXXX. The credit report states that the account was opened on XX/XX/XXXX. This is the first action I am taking against this account that looks to have been fraudulently opened without my consent.
Product: Credit card

I am writing to address a severe issue of identity theft that has recently come to my attention. An account ending in XXXX, linked to Amazon XXXX Credit Card, was opened using my personal information without my consent. I unequivocally state that I did not authorize the opening of this account. This letter serves as a formal demand for immediate action. 

Details of the Fraudulent Account : Account Opened : XX/XX/XXXX Charge-Off Date : XX/XX/XXXX Outstanding Amount : {$1500.00} Assigned to Collection Agency : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, Georgia XXXX . 
Phone : ( XXXX ) XXXX Purchase Date on Account : XX/XX/XXXX My SSN ( Last Four Digits ) : XXXX Given the information above, it is evident that this account is a result of fraudulent activity. Therefore, I insist that Chase Bank immediately close this account, absolve me of all associated charges, and expunge all information regarding this account from my credit files, credit history with XXXX and credit reporting agencies.. 

Enclosed is my Identity Theft Report [ FTC Report Number : XXXX ], substantiating the illicit use of my identity. Additionally, this letter, along with the Identity Theft Report, serves as a formal notification under the Fair Credit Reporting Act, mandating Chase Bank and the associated collection agency to cease reporting and furnishing information resulting from this identity theft to any credit reporting agency. 

Also enclosed is the CFPBs Notice to Furnishers of Information, outlining your legal responsibilities in this situation. I expect a comprehensive investigation into this matter and prompt corrective actions. Please inform me in writing about the steps you have taken to resolve this issue. 

In addition to the actions requested above, I require a written confirmation from Chase Bank stating that : The fraudulent account is not mine. 
I am not liable for any debts or charges associated with this account. 
The account has been removed from my credit report. 

In addition to this complaint, I have mailed out a letter with enclosures via certified mail as well.
Product: Debt collection

I've been receiving phone calls from Recovery Management Services Inc. Since XX/XX/XXXX. On XX/XX/XXXX I sent a Debt Validation letter to Recovery Management Services requesting that they send me validation of this debt and proof that they are licensed to collect in my state. They did send me validation of the debt, but no proof of licensing in the state of Michigan. After searching on my state licensing and regulations website Recovey Management Sevices Inc. did not come up. They are not licensed to collect in my state.
Product: Debt collection

Received a notification my credit rating dropped on XX/XX/2023. When checking, Synerprise Consulting hit my credit report with a collection. I called Synerprise Consulting and asked what this was about. The woman I spoke to said she would immediately send information and details of the alleged debt. No information has been shared and Synerprise Consulting has reported this negative collection again. I have sent Synerprise Consulting to the complaint department as well as disputed with all credit reporting companies. I have reviewed my Wife 's and my medical accounts, XXXX, XXXX, and doctor offices and no balances are outstanding nor sent to collections. This is a false reporting by Synerprise Consulting
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, XXXXXXXX XXXX-Inquire date XXXX XX/XX/year> XXXX To my knowledge I have not signed any documents authorizing your organization to review my credit report history, therefore your inquiry into my credit report, I believe it violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681. 



I XXXX XXXX XXXX Gives authorization to proceed with this investigation.
Product: Debt collection

PORTFOLIO RECOVERY XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Original Debt from XXXX XXXX of {$1200.00} it statesXX/XX/XXXXThis debt was originally from my ex-wife. She opened an account without my permission while I was XXXX serving on XXXX XXXX. I found out about this debt in spring of XXXX a year and a half after our legal separation. In the divorce proceedings this debt was awarded to my ex-wife and she is responsible for the repayment of the debt. I sent this information to XXXX XXXX XXXX in the summer of XXXX. I had received no word and upon checking my credit report it is still listed. I called today,XX/XX/XXXX, and was informed by a representative that they do not honor divorce decrees with debt settlement.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting to transunion and credit wise who reports for transunion, and the attachment shows that XXXX XXXX XXXX is reporting entries on my credit report as a charge off- and they are reporting inaccurate data to other bureaus as a collection. Please stop this madness!
Product: Credit reporting or other personal consumer reports

These accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681-B permissible purposes of Consumer Reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instruction of the consumer to whom it relates. I never gave any consumer reporting agency my WRITTEN CONSENT & INSTRUCTION to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of these accounts listed IMMEDIATELY ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A. I demand the removal of the incorrect information ; 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 or prepaid card

Capital One credit card CFPB original complaint number XXXX In XXXX of this year, I closed the account for my own personal reasons. The account was in good standing at the time it was closed, no late payments or balances. However, upon closing the account, Capitol one placed a remark on the credit report, which states- " Dispute resolved -Consumer disagrees. Account closed by consumer. " There were no disputes, other than a balance inquiry back in XXXX of XXXX, which was resolved instantly, without incident. Other than the CFPB complaint, which I was extremely satisfied of the results, there has been no interaction with Capitol One. Attempts were made by phone, to resolve this matter, went unanswered. There was no dispute resulting in the closure of the account, just my desire not to do business with Capitol One. The remarks appear to be retaliatory, as to the complaint filed, in which Capitol One had to remove negative reporting off of my credit report for 1 late payment during the Covid pandemic, when by Federal statue, they were not supposed to do in the first place. Thus was the ONLY late payment made to Capitol One during that period and up and until I closed the account in XXXX. The remarks were unwarranted and should be removed in its entirety. No remarks are necessary, only that the Customer closed the account.