23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have had a credit account with Monroe and Main for years. I purchased some winter jackets using the credit account around XXXX time. I had relocated from the address I had resided at previously. Although I was logged into my account at the time of the purchase the creditor assigned a new account number because of an " alternate shipping address ''. I was not notified that a new account number was assigned and assumed that ( especially since I used my existing account ) my balance would be added to the existing balance. 
Because I was unaware that a new account was made, I continued to make payments on my existing account. Monroe and Main reported my other account ( that I did not know existed ) to the credit bureaus. I did not know until I got a credit monitoring alert. 
I had such a difficult time when trying to reach the appropriate person by phone being passed person to person. Each person gave me a different answer, half of which could not even locate either of my accounts let alone both. By the 4th call and 7th person I was finally able to determine that a second account had been created, they indicated this was their error when I demanded to speak with a supervisor and indicated they would XXXX credit bureaus and they would provide proof of this in writing. Despite this " promise " and 4 additional correspondences, I have not received any confirmation that this has been resolved. I had advised them that I would be making a report against them due to their flawed and destructive practices. They have reported two delinquent payments which dropped my credit score by 60 points. 
Please follow up with this entity and their questionable practices. 

Best regards, XXXX XXXX
Product: Credit card

XXXX XXXXXXXX I called to transfer nearly {$1100.00} in XXXX XXXX to the card that I have in my possession ending in XXXX. I had XXXX cards available, XXXX that ended in XXXX and the other XXXX. I do not have the card ending in XXXX that had {$51.00} on it. The agent told me that was not a problem, that she would transfer the {$51.00} to the card XXXX as that is the card that I have in my possession. In addition, she said that she would transfer my other rewards that I had available of {$1000.00} for a total of {$1000.00} to my card ending in XXXX. I included a picture of the email showing that the agent transferred these funds to my card ending in XXXX. When I checked on my rewards, the agent closed out my card XXXX that had all my rewards on it! She was supposed to close out the card XXXX, however that card remains open and all of my rewards are gone. I called several times to inquire about my rewards card being closed out in error. They claim that they listened to the call, which clearly they didn't. Why in the world would I want nearly {$1100.00} in rewards to be transferred to a card that I DON'T have, that makes no sense. I included a picture of my card XXXX, which should be OPEN. They claim that they can't do anything about it seen as how I closed my card. I did NOT close out that card, THEY closed it in error. I am going to XXXX XXXX and now Chase has stolen nearly {$1100.00} in rewards from me! That is unacceptable. Please help me, no one at Chase is listening to me. They continue to state that card is closed and can't do anything. This card is where my {$1000.00} in rewards is at and I need my money please. The agent closed out the wrong card and now I've lost {$1000.00} in rewards due to her error, that is not acceptable. On XXXX XXXX from XXXX rewards called me and said the same thing, sorry, you closed out this account and there is nothing we can do. I requested that XXXX listen to the call and I asked to listen to it and she said we don't release that. If anyone actually listened to the call, they would clearly hear that I only have card XXXX in my possession and that the agent closed out the wrong account. Please help me, they are not listening to a word I say and just keep saying that they can't open a closed redemption card. They made a huge mistake which they need to fix! XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. Chase has literally stolen {$1000.00} in the rewards that I earned. It took me a long time to earn these rewards and I should not lose them just because their employee made a costly mistake. Please help me. You can see from the pictures that I had rewards available of {$1000.00} plus {$51.00} for a total of {$1000.00} that should have gone to XXXX which should be open and never closed! You can also see on my picture that they still have the card XXXX open, which that is the card I don't have and should have been closed! I included a picture of the email that shows they transferred the funds to XXXX. Clearly she closed out XXXX in error instead of XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

My account with XXXXXXXX XXXX was restricted after I made a deposit into my accounts because of Early Warning services LLC. I was told to call them to resolve the issue, they arent open on weekends which is ridiculous and on weekdays they open at XXXX est which is late for something of this nature, once getting in contact with them they didnt help with anything except offering my credit report to dispute discrepancies if found. They offered to email it to me as a faster option then proceeded to tell me that even the email will take 1-15 business days WHICH IS RIDICULOUS. What is the point of an EMAIL option if it takes the same time as regular mail? Overall this is ridiculous and not helpful because my money is now locked away in a restricted account! Now while trying to get a clearer understanding of what actually is happening XXXX XXXX has had me on hold for a hour!
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them List all accounts : XXXX - XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 



XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$340.00} ; XXXX XXXXXXXX Balance Owed : {$1600.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} ; US DEPT ED XXXX Balance Owed : {$57000.00} ; US DEPT ED XXXX Balance Owed : {$71000.00} ; XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tryed to reach out to Experian Attn : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, TX XXXX in regards of removing closed accounts off my credit report. Experian is still allowing the closed accounts to report on my credit repot witch is causing mental and physical distress and damages. i would like the closed accounts to be taking off my credit report immediately.. Attached documents Bellow!
Product: Debt collection

I was contacted in XX/XX/2022 about a debt that was owed to XXXXXXXX XXXX XXXX. I immediately set up a payment arrangement with the agent to pay the debt off. I set up {$30.00} a week payments for 2 months to pay off the debt. She advised me that since I set up a payment arrangement this would not be sent to the credit bureaus. I received a notification today that this account hit my credit report. It dropped my score XXXX points. I am in the process of buying a home for me and my family so I have been building my credit for the last 12 months. This will absolutely ruin the chances of me buying a home. I called the company ( Conserve ) and the agent was no help at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed numerous disputes with the 3 credit bureaus ( XXXX, Equifax, and XXXX ) notifying the company that XXXX is incorrectly reporting amounts on my report. The debt is reported as charged off and continues to report a past due amount of {$3000.00}, and shows this debt as revolving credit when it should show as {$0.00} owed since this credit is now charged off debt. I have requested a 1099c form to audit this company to ensure they are in compliance but have not received one, as if they are not in compliance, I can report them for tax fraud. This is also a violation of FCRA 15 USC 1681 eb.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consider this as a follow-up to my complaint to remove these items : XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX : {$8400.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1000.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$13000.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX Please remove the items above for they are erroneously placed or reported in my file
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted to Experian two letters requesting validation of a debt with XXXX XXXX ( XXXX ). I specified my request for validation with proof of original debt and ink signatures. Experian claimes to have validated/updated this debt and maintains this record on my profile. In this process, I received a letter dated XXXX from XXXX stating they would close my dispute ( without honoring my request for verification ) on the grounds of them not receiving information they requested. I did NOT receive this letter. I also checked the payment portal, and one of the accounts on my credit file is no longer listed. 

XXXX is refusing to honor my request for validation and has removed a debt from my account, but continues to report on my credit file. Experian has clearly failed to do their due diligence in this dispute process, and I want these accounts removed immediately from my file.
Product: Debt collection

I received a phone call yesterday. It said ...

" Hello, this is XXXX. This message is regarding our location and tracing for " XXXX XXXX XXXX XXXX  '' dial zero now to speak with a representative or call XXXX. It is important that we speak with you in regards to the whereabouts. If we can not verify this information through you, the law allows us to contact all references on file.

If you are unable to provide any information please contact us regardless at XXXX. Thank you ''. I called and was told that they were collecting a bill. They said they were from FMR or Forward Movement Recovery. They called my new husband 's cell phone twice yesterday and left the exact same message there as well. He was NEVER listed as any type of reference for me.
Product: Debt collection

I filed an original complaint against CREDIT ACCEPTANCE and received a response from XXXX XXXX to seek further info about my complaint with the company. I explained that they have told me SEVERAL times that they don't have my debt and that it is being " handled '' by XXXX XXXX XXXX. Upon contacting them about the unlawful practices as advised by the FCRA of trying to collect a closed debt, in addition to a vehicle that was resold, they don't have the title to, wrote off with the IRS, and sent to another agency that I don't have a contract with I was threatened by XXXX XXXX with the Compliance dept at CREDIT ACCEPTANCE CORPORATION that she would update my credit report to say that a closed account is Open to try to collect a closed debt. I also advised that I would complain to the XXXX  and was told by her that it would get compiled with this complaint to deter me.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. Experian must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file is listed on my credit report : XXXX  XXXX XXXX Late Date XXXX
Product: Vehicle loan or lease

I applied for a loan under my business name with the dealer. The application I completed was a business application through Suntrust Bank. I signed the application as a guarantor for the loan. I later found out that Suntrust bank put me as a cosigner and not a guarantor and the debt now show up on my personal credit report. 
I didn't apply for a consumer car loan, I applied for a business car loan. Suntrust Bank misrepresented the loan product and my credit has been impacted because of it. After speaking with several different departments, Suntrust said this is their standard practice. It's not legal to misrepresent their products to secure a new bank client.
Product: Debt collection

This company has repeatedly called me at least 12 times in a day from different numbers, after Ive asked for them to not contact me. I block numbers as they come through and then they just call from a different number. I guess they do it like that so it doesnt look like theyre harassing people and its harder to track but I am tired of getting all of these calls especially after Ive told them to stop calling/contacting me. I dont even know where/why half of them are contacting me. I know that the company is on my credit report multiple times and Ive disputed with no avail.
Product: Checking or savings account

I received notification from Wells Fargo about insufficient funds in a checking account on Tues, XX/XX/XXXX, XXXX and the notification gave a grace period til XXXX the next day to cure the balance, which I did immediately upon receiving the notification via Wells Fargo XXXX XXXX transfer funds option by moving funds from my Regions checking account to the Wells Fargo account XXXX Tue, XX/XX/XXXX, XXXX. Therefore, Wells Fargo had knowledge and reason to allow the 'grace period ' that was offered and appropriately handle the XXXX XXXX that was coming in. However, what Wells Fargo can not do is to offer a grace period to cure the balance and also to return the XXXX payment as insufficient funds. They can't do both. The funds were available in my Wells Fargo account within the offered grace period and the XXXX payment should have not been reported as insufficient funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2021 by USPS certified mail to XXXX, XXXX, and TransUnion, disputing inaccurate information they are reporting to my credit report and they failed to send me results of any investigation! They are in violation of the Fair Credit Reporting Act by continuing to report unverified/inaccurate information to my credit report and I demand they immediately reinvestigate the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently became aware of the Consumer Financial Protection Bureau 's ( CFPB ) lawsuit against XXXX, highlighting concerns about inaccurate credit reporting and dispute handling. Unfortunately, I believe I've been directly affected by XXXX 's practices. Despite my earlier dispute, I received a response stating that the accounts were " verified. '' However, I strongly disagree with this outcome and believe that XXXX 's investigation was inadequate. The CFPB lawsuit reinforces my concerns about XXXX 's handling of consumer disputes. I'm requesting that you re-examine my dispute, considering the new information and the CFPB 's findings. 

Would you like to be apart of the lawsuit?
Product: Credit card

I, XXXX XXXX, swear or affirm:1. That I went to XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXXon XX/XX/20152. That on XXXX/XXXX/2015 I XXXX XXXX was rented a NISSAN VERSA car with incorrect license plates. 
3. That I XXXX XXXX was hit by another car on XXXX/XXXX/2015. ( Police Report no XXXX ). 
The Officer on site noted the correct license plate number on the report. A copy of this report was given to XXXX and notice of incorrect license was given to XXXX upon return of the car. 

4. That XXXX was compensated by XXXX insurance of the person who hit me for all damages made to the car. 

5. That a claim Dispute Reference Number : XXXX for {$450.00} was placed with the Credit Card Company American Express to the above. 
Amex continues to rule in their favor.
Product: Mortgage

I am having a very difficult time with Mr Cooper. I have tried to get a loan modification approved a couple of times and have been denied. I have never been approved for a loan modification in the past. I was default before COVID hit and was trying to get approved. Mr Cooper denied. Then when COVID hit California I lost my income. Mr Cooper placed me on a forbearance for 18 months. On XX/XX/22 I was declined again for a loan modification. Mr Cooper is stating because they can not lower the payment. Of course you can not lower the payment after an additional 18 months of COVID default. Modification does not mean lower the payment. It is a restructuring of debt to avoid a foreclosure. I am asking for a loan modification to save my home, and can afford a higher payment. I am back to work full time.
Product: Debt collection

This matter centers on a credit card I had with XXXX XXXX which I had paid off in XXXX. 
Some time later, I learned XXXX XXXX was reporting a balance owed. XXXX XXXX and I were in contact in XX/XX/XXXX about how to resolve the issue. 

On XX/XX/XXXX I received a letter via USPS regular mail from Hunt & Henriques, LLC ( see attachment # 1 ). This letter notified me of their intention to file suit against me, with no instructions or opportunity to discuss or remedy. This letter also informed me that Hunt & Henriques are not legally licensed in California as debt collectors. The letter is not signed by an attorney, the name is crossed out and the name of XXXX XXXX is handwritten in the salutation. 

On XX/XX/XXXX, XXXX days following receipt of their letter, I sent a validation notice response to Hunt & Henriques via USPS Certified Mail. According to USPS tracking website, my letter was delivered and received by an individual at Hunt & Henriques on XX/XX/XXXX. ( See attached letter, USPS receipt for transmittal and USPS tracking printout confirming my letter delivered to an individual at XXXX XXXX  on XX/XX/XXXX attachments 2, 3 and 4 ). 
. 
My validation notice to Hunt & Henriques sought validate information as provided for me as a consumer by the FDCPA. Specifically, 1 ) Verification of the creditor they claim to represent.

2 ) Validation of the basis for the debt.

3 ) Provide a copy of the last billing attempt by their alleged client.

4 ) Verify what payments may have been made since the last billing. 
5 ) Verification that Hunt & Henriquez have a debt collection license in the State of California.

6 ) Notifying them I disputed the debt. 

As of today, XX/XX/XXXX, Hunt & Henriques LLP has not responded to my validation notice. Their failure to respond to me within 30 days is a violation of my rights as a consumer according to the FDCPA. Instead, they chose to file a complaint in XXXX XXXX XXXX XXXX XXXX XXXX California XXXX XXXX of XXXX, Case # XXXX attached ) on XX/XX/XXXX. I was served at home in front of my wife and children. I consider this to be an attempt to intimidate, harass and coerce me into paying an unverified debt they are not licensed to collect. 

As required, I have filed my response to my to their complaint on XX/XX/XXXX ( attached ). 

In addition to this response, I am filing complaints with the CFPB and Attorney General of the State of California.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have reached out to Equifax Credit Bureau last XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. THE FOLLOWING ACCOUNTS ARE STILL FOUND AND NEED TO BE REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$290.00} Date Opened : XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$72.00} Date Opened : XX/XX/XXXX
Product: Credit card or prepaid card

i called chase spoke to a nasty woman in disputes told her the XXXX on my card XXXX was for dog flea collar unopened XXXX  refuses to credit. 
i told her its likely the worker but i wont be out XXXX dollars she asked if receipt said it cant be returned i said no then when i mentioned i have legal knowledge she offered to transfer me i told her no. WHY do this WHY not help a valued customer? its XXXX bucks. 
i have been a customer many years i called since i received no paper in the mail why be treated this way? i did try to resolve with XXXX