23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I sent a letter to Amsher asking that they remove their unauthorized collection from my account. I received a letter back saying that they would delete this on all XXXX bureaus. The first letter I sent was on XXXX/XXXX/16 and it is not XX/XX/XXXX16.They have yet to remove anything from the bureaus. They are still reporting on my credit and therefore damaging it and my financial life.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX {$140.00} CHAPTER  XXXX BANKRUPTCY DEISHCARGED XXXX XXXX  XXXX  XXXX {$540.00} XXXX  XXXX XXXX {$520.00} XXXX XXXX XXXX {$100.00} XXXX   XXXX {$3300.00}
Product: Bank account or service

I filed bankruptcy back in 2013 and the check system is showing that I owe on some checks that were taken care of in my bankruptcy
Product: Mortgage

XXXX XXXX given in XX/XX/2021. 
Started the process of refinancing a home. 
Person i remained in contact with was misleading.
Product: Credit card or prepaid card

Current Paypal Credit Account Balance {$450.00} 1 ) XXXX - Monthly payment due and completed with no problem - {$49.00} 2 ) XXXX - Submitted a minimum payment of {$28.00}. 
3 ) XXXX - Minimum payment returned of XXXX {$28.00} ) 4 )  XXXX - Returned payment fee charged to my account {$27.00} 5 ) XXXX - Minimum payment 2nd try of {$28.00} 6 ) XXXX - Minimum payment returned of ( {$28.00} ) 7 ) XXXX - XXXX purchase through paypal linked to my XXXX XXXX account {$410.00} 8 ) XXXX - Spoke with payapl customer service about what was going on with my monthly payments being returned and the returned fee to be refunded ( never refunded ). Another payment was made for {$65.00} to cover balance. 
9 ) XXXX - payment returned ( {$65.00} ) This is very frustrating due to the fact this is the second time I have had a low balance credit account with Synchrony Bank that I have had this issue with returned payments. My bank account is correct and was confirmed over the phone via the last 4 digits on the account. This is also frustrating because this is effecting my credit score which XXXX doesn't care anything about just wants to cancel my payments so it looks like I am not making my payments. This needs to be acknowledged and fixed with XXXX before it escalates any further.
Product: Debt collection

I have submitted a previous complaint about this alleged debt. 
The original creditor stated that the debt is owed yet has provided documentation that DOES NOT support the charges they assessed. The document provided shows charges owed by a completely different person. This debt needs to be removed as soon as possible per FCRA compliance. 

I have attached the documents they responded to the last complaint with.
Product: Bank account or service

To whom this may concern, I am worried that either through identity theft or inappropriate account management a number of unauthorized Wells Fargo & Company accounts may have been opened without my permission. 

I kindly ask that Wells Fargo & Company provide me with all of the current and former account numbers opened using my personal information and the signed contracts / deposit agreements authorizing the opening of those accounts. 

Sincerely Yours,
Product: Debt collection

Why are companies allowed to spoof local numbers to call? The person told me that my payment was rejected when I check my bank I see payment has cleared. I make the payments I can afford at this time and the person was rude about this started to get aggressive.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under MY NAME. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I have attached my FTC report and my Police report that I have filed on my local police department that would testify that I am a victim of Identity Theft. 

XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$17000.00}, XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$4900.00}, and XXXX XXXX XXXX Opened : XX/XX/2016 Balance : {$32000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

bad warranty, both companies have violated my rights per the FCRA : they have violated the truth in lending act, consumer laws : it's being reported to all three credit reporting agencies in their affiliated third party agencies XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX XXXX, has continued to charge illegal fees, reporting amount, not accurate. From charge-off in XX/XX/XXXX, then change to ( open ) status past due {$14000.00} when vehicle was involved in accidenXXXX XXXX XXXX has reported each month from XX/XX/XXXX as past due with {$0.00} amount due each month, updated balance from {$14000.00} XX/XX/XXXX - XX/XX/XXXX, increasing by {$10.00} to {$14000.00}. As of XX/XX/XXXX balance increased to {$14000.00} to allow the loan to remain as a open status on all three credit reporting agencies reports. Once a loan reports as a charge-off in sold to a third party lender, it can not report as ( open ) on any report. This account has been issued to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX. 

XXXX XXXX XXXX credit card was not open by myself, they continue to report to all three credit reporting agencies and their affiliates inaccurate information, fraudulent company names to each reporting agencies. 
They are listed as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX sold to XXXX XXXX XXXX XXXX each company uses the same account loan #, but with different open dates balance of {$440.00}. 

FCRA promotes the accuracy, fairness, and privacy of information in the files. Under these laws as a consumer all my rights was violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a XXXX XXXX XXXX XXXX loan that was settled for less. The matter was considered settled XX/XX/XXXX. Experian started reporting the incorrectly in Nov/Dec of XXXX. Instead of nothing more negative showing after XX/XX/, Experian started a separate failed to pay negative remark for these two months, thus creating what looks like two incidents. Both sides say they understand and see what the issue is, yet as of writing this, it still shows incorrectly. My Experian score is more than XXXX points lower and this is the only difference. I have tried with both places involved to correct this. So with no other options I am asking you for help.
Product: Credit reporting

On XX/XX/XXXX I sent in a complaint to the CFPB about Equifax fraudulent inquiries on my credit report. Equifax responded on XX/XX/XXXX stating they did n't receive any information from me and that I needed to contact the creditors. I responded on XX/XX/XXXX backing up my statement about the letters I 've sent to them. On XX/XX/XXXX all of the inquiries were deleted off of my credit report except one ( which is factual ). On XX/XX/XXXX all of the inquiries were reinserted back on my report with no warning or paperwork from Equifax which is against the FCRA law. I 've attached a copy of the paperwork below. 
Equifax also sent me a letter on XX/XX/XXXX Confirmation # XXXX with the results of an investigation that they conducted from the letter I sent to them about some unverified accounts. Equifax removed the negative accounts off of my credit report up until XX/XX/XXXX. I checked my credit report on XX/XX/XXXX and all of the negative accounts that were deleted has been reinserted which again is against the FCRA law. I 've attached all copies of the fraudulent occurrences below.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a validation letter to Experian and XXXX XX/XX/2021 asking for confirmation IN WRITING that the debt is mine. It is now XX/XX/XXXX and I have yet to receive validation.
Product: Debt collection

On numerous occasion have contacted this debt collector this is not my debt it was an fraud account in which they are trying to make me pay on. I have submitted proof that this account was open due to fraud and I do not have any knowledge of this account nor is this debt mines. They even sued me for this debt and I even notified them this is a fraud account. They were able to get a default judgment due to me not being aware of the court date. Also, they were found to be caught red handed with illegal debt collection practices and consumer reporting which took place on XXXX2023. They are claiming I owe them in the amount of {$2800.00}. Yet they can not provide me with a true documentation with my signature that states I agreed to this debt or any information in which I owe this debt.
Product: Credit reporting or other personal consumer reports

on XXXX XX/XX/2023 Mariner finance made a inquiry on my credit with out my permission or me receiving a benefit to me. This is in direct violation of my rights
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes Particularly in light of recent CFPB LAWSUIT HIGHLIGHTING SIGNIFICANT ISSUES WITH THE PLATFORM. Despite using Zelle numerous times & reporting discrepancies my financial institution & Zelle failed to investigate my claims! 
Adequately. They told me the that recovering lost funds was impossible & tracking these transactions was unfeasible. the CFPBS findings indicate that Zelle has not only neglected to protect consumers but has allowed repeated offenders to exploit the system
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX and XXXX XXXX student loans has never been late. They have removed them and put them back several times. I have consolidated two of my XXXX loans and they have been closed for six months, XXXX XXXX loan is currently in deferment and they are both being reported as late. I have contacted all three credit bureaus on XX/XX/XXXX and XX/XX/XXXX by certified XXXX letters disputing the information. They both sent me updates saying that the information was verified and correct. XXXX has removed all the negative information from my report as far as the items reporting late. These two have refused to comply with the request from the loan companies as well as myself. I have called and spoke to XXXX and XXXX XXXX about them reporting me late. They both told me that they have sent request to the four reporting agents and asked them to remove the negative ( late ) status since XX/XX/XXXX. XXXX XXXX went as far as sending me an email stating that they have requested for the information to be removed. I need this corrected ASAP as I am trying to apply for a mortgage.
Product: Credit reporting

Re : Chex Systems consumer reporting of innacurate check account reconciliation.
Product: Checking or savings account

In nine transactions from XX/XX/XXXX to XX/XX/2019, an unknown person made what SunTrust describes as a " check card purchase '' for either {$1300.00} or {$920.00} at locations in XXXX, XXXX, or XXXX. The total value of the unauthorized check card purchases was {$11000.00}. 

SunTrust returned {$8300.00} on XX/XX/XXXX, reversed the credit on XX/XX/XXXX causing the checking account to be overdrawn, and than transferred the negative balance without authorization to a credit card that we did not know existed. 

SunTrust refused to close the checking account, leading to subsequent overdraft fees of {$150.00}. 

SunTrust did not provide requested information to law enforcement to assist with an investigation.
Product: Checking or savings account

Dear Customer Financial Protection Bureau ( CFPB ) Representative, I hope this email finds you well. I am writing to file a formal complaint against U.S. Bank regarding their failure to provide me with the promotional bonus promised in their website. Despite meeting all the requirements specified in the promotional website page, I have not received the {$500.00} as offered by U.S. Bank. 

To provide a comprehensive overview of the situation, I have attached the relevant documents for your reference. Attachment 1 contains the current promotion website screenshot from U.S. Bank, which clearly outlines the terms and conditions of the promotion since I did not take a screen shot during the time and this promotion has been going on for a long time from last year. Attachment 2 is a website that records the history of signup bonus from US bank which also shows the promotion amount and period. ( XXXX XXXX XXXXXXXX ) Attachment 3 confirms that I opened my new account within the specified timeframe, well within the 30-day window.

Moreover, Attachment 4 displays my U.S. Bank transactions, demonstrating that I deposited an initial amount of {$100.00} on XX/XX/2024 and an additional {$10000.00} on XX/XX/2024, which exceed the minimum deposit requirement of {$10000.00}. Thereby satisfying all the eligibility criteria stated in the promotional offer. 

Despite my repeated attempts to contact U.S. Bank, I have not received any satisfactory resolution to this issue. I have reached out to their customer service representatives multiple times, providing them with all the necessary documentation and explaining the situation, but to no avail. It has been over 4 months since I fulfilled all the requirements, and the bonus has still not been credited to my account. 

I believe this failure to fulfill their promotional commitment is a violation of their terms and a breach of the agreement made between U.S. Bank and its customers. Such practices erode consumer trust and undermine the credibility of financial institutions. Therefore, I kindly request your intervention in resolving this matter and ensuring that U.S. Bank honors their promotional offer by promptly providing me with the promised {$500.00}. 

I trust that the CFPB, as the governing body overseeing fair and responsible banking practices, will thoroughly investigate this complaint and take appropriate action against U.S. Bank if necessary. I would greatly appreciate your assistance in resolving this matter and ensuring that my rights as a consumer are protected. 

Thank you for your attention to this matter. I look forward to a prompt resolution and a favorable outcome. Please do not hesitate to contact me if you require any additional information or documentation.
Product: Credit reporting or other personal consumer reports

As XX/XX/2023 I have submitted complaints of wrong addresses on my credit report that I have not lived there nor had a lease there. XXXX, Equifax, XXXX are refusing to remove addresses that I've never lived. This fraud to have and address on my account and I can't remove it I request that all three Bureaus show proof I lived at these addresses. This an action of noncompliance refusal to remove inaccurate information. I don't want my personal information being reported to an address I never lived at. 

Address : 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

This complaint will envolve Transunion credit bureau, The USPatriot Act of 2005 and numerous credit reporting agencys that have ruiened consumers to get financing due to personal info being shared by any business, credit reporting agencys, Federal banks and anyone who wants to pull someones info in their personal credit file without their authorization .This is unfair and fraudulent activities of the credit reporting agencys and Transunion to release information to anyone who asks for it. Idenity theft of all these credit reporting agencys and the USPatroitAct of 2005 put in by President Bush. I will be attaching numerous credit reports also XXXX XXXX regecting me a bank account due to inaccuracy and Fraud being released by these bureaus and I have nothing in there to be denied a checking or savings account. And also I want this sent to the US Congress a complete revision of the patriot act on behalf of the consumers. We only need 1 credit bureau
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXXXXXX XXXX, and as a result of this exploitation, multiple fraudulent collection accounts have been reported on my credit file under " XXXX XXXX XXXX '' with the original creditor being XXXX XXXX XXXX XXXX XXXX XXXX These accounts were opened without my knowledge or consent during the period I was being XXXX 

# # # Here 's a detailed breakdown of what happened : - **Duplicate Reporting : ** The same debt is being reported multiple times with varying balances ( {$1400.00}, {$640.00}, {$750.00}, {$210.00}, {$510.00}, {$990.00}, and {$400.00} ), all opened on the same date ( XX/XX/year> ) and last reported on XX/XX/year>. This is misleading and violates the Fair Credit Reporting Act ( FCRA ) Section 623, which mandates that creditors must report accurate information. Reporting the same debt multiple times is causing severe damage to my credit score and financial stability.

- **Misleading and Inaccurate Information : ** By allowing the same debt to appear multiple times, the credit bureaus are failing to provide accurate and complete records, as required under FCRA Section 607. This inaccurate reporting presents a distorted view of my financial history, which is particularly unjust given that these entries are tied to my victimization. 

- **Failure to Properly Verify Debt : ** Despite disputing these entries with all three credit bureaus, they continue to report this debt in multiple instances, violating FCRA Section 611, which requires that disputed debts be verified within 30 days or removed if proven inaccurate. Despite my evidence and dispute, no proper verification was conducted, and the entries remain.

- **Unfair Collection Practices : ** The repeated reporting of this debt by XXXX XXXX XXXX can be seen as harassment and is a violation of the Fair Debt Collection Practices Act ( FDCPA ). This act prohibits debt collectors from engaging in deceptive practices, such as reporting the same debt multiple times to inflate the total amount owed or to harm a consumers credit score unjustly.

These inaccurate and duplicated entries have caused significant financial and emotional distress as I work to rebuild my life after escaping XXXX XXXX. I am requesting immediate action to rectify this situation by removing all fraudulent and duplicate entries from my credit report across XXXX, XXXX, and Equifax. This resolution is essential for me to restore my credit profile and move forward from this traumatic experience.
Product: Credit reporting or other personal consumer reports

Can not access. XXXX or Experian credit reports as there are loans in XXXX, credit cards and store credit cards and accounts opened in my name and social security number that are not mine. Can not freeze because of this and I have been denied any major credit since XXXX when I have personally applied yet someone else is opening accounts in my name since XXXX and as recently as XX/XX/XXXX.
Product: Checking or savings account

I initiated a transfer from my Ally savings account to a connected external checking account via a XXXX day ach push. The transfer was approved, and the funds were withdrawn from my account on XX/XX/2024. Shortly after the funds were debited ally froze the funds and suspended the external account. 

After calling ally support the rep told me there was nothing they could do and to call back later ( at XXXX ) and ask to talk to the " back office ''. I did as instructed and was told I could not talk to the back office. I was told that the funds would be returned to my account. I was not told a reason for the suspension initially. After pushing the rep for a reason on my XXXX or XXXX call I was only told that the transfer was generically " suspicious ''. 
It is worth noting that I do the EXACT same transfer from the same XXXX accounts every month at the same time of the month and have never had an issue, suffice to say there is nothing suspicious about this transfer then. I asked to talk to someone that could unblock the transfer but was refused. 

The rep likewise seemed confused as to why my account had been suspended asking questions like " so you have a stop payment order for this account, right ''? " No '', I replied. 

After being told that the funds would not be debited from my account I noticed that the funds in fact were debited from my account. I can not afford to have XXXX dollars frozen so I called to ask for clarification and was told that the funds could be frozen at least until XX/XX/XXXX ( over XXXX week ). This comes days after ally frozen well over XXXX dollars because a {$100.00} ach deposit did not process in time! I was also given the same rigamarole about calling back later to talk to the back office and then not being able to talk to the back office. Ally said they would take up to XXXX business days to unfreeze my funds when they froze over XXXX. Again no reason was given other then a generic " security purposes ''.