23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021, XXXX XXXX XXXX sent me a verification letter after I complained about them trying to collect a debt that is not mine on the Consumer Financial Protection Bureau website. Even my name and address are inaccurate on the letter. Please check the attached files. I have not given XXXX XXXX XXXX written consent to collect a debt. I have not signed a document to pay XXXX XXXX XXXX. Ask XXXX XXXX XXXX to provide proof of written consent that I agree to payingXXXX XXXX XXXX. I have not given XXXX XXXX XXXX my social security number. I am providing my birth certificate to show my full name. I am providing my utility bill for proof of address. XXXX XXXX XXXX has violated several laws listed by the FEDERAL TRADE COMMISION. The Fair Debt Collections Practices Act, LAWS have been broken by XXXX XXXX XXXX. 15 USC 1692 subsection 804, subsection 805, subsection 806, subsection 807, subsection 808, subsection 809 and subsection 812.
Product: Money transfer, virtual currency, or money service

Back in XXXX of 2023 I received a call from someone claiming to be with Wells Fargo Bank wanting to know if I was traveling XXXX because I had some unusual charges on my account that were out of my state. They sent me a text message with a 6 digit number that they wanted me to read back to them for verification of who I was. Later that day I received an email from Wells Fargo stating that I had signed up for online wire transfers ( I did not ). Also received an email stating that an online wire transfer had been initiated out of my account. I immediately called Wells Fargo and spoke with an associate, I informed her that I did not sign for such service nor did I initiate a wire transfer. She informed that my money would be back in my account in 24 to 48 hours. To this date I have not received my money back. I have reported this to my local Sherriff Dept. and a warrant has been issued. I will attach screen shots of emails from Wells Fargo.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself. This item is reporting late, yet it is closed and the balance is XXXX as reported in Equifax. Lets correct this immediately. Equifax is required to verify for themselves, but they failed to neither verify nor update me about this complaint. REMOVE this account immediately : ( XXXX XXXX )
Product: Debt collection

Insurance paid this debt, now the debt collector is attempting to recover money not owed. They're also using a malicious practice of reporting the same debt multiple times in a fraudulent attempt to collect a debt not owed
Product: Money transfer, virtual currency, or money service

I opened an account with Robinhood online investing via Robinhood.com. I provided ID info and was able to complete investment of approx. {$3500.00}. This was done in 2021 around XXXX. About XXXX Robinhood indicated my ID had been tampered with and they locked up my account. I have been trying to work with Robinhood Support to clear my account but they just keep asking for more types of ID, They have indicated twice that they have everything they need. However they will not free the account. I have attempted to transfer the entire account to an XXXX account which is associated whit XXXX, but Robinhood will not complete the transfer. As I worked with Robinhood support I may have been scammed but I am not sure, I thought I was working with Robinhood and followed some of their insturctions with my investments which has lessened the account preformance. I have found it almost impossible to deal with Robinhood Support. I have been a Member of XXXX for XXXX years and my ID is established with them having never had problems. I believe most of my investment is intact with robinehood today, but I have missed several investment opportunites. I would noy reccomend Robinhood to anyone.
Product: Checking or savings account

My aunt and uncle sent me a check for XXXX XXXX I deposited the check, my bank said the funds would only be available for a few days. Then, it suddenly was in the fraud department. When communicating with the fraud department, they were insulting and condescending. Go ahead even to the point of asking me if I wanted to file a complaint. Once they learned the check was legitimate, the funds were released three days later. Having a checking account with this bank for over twenty-five years and having them threaten me, they were going to close my account because of fraud and causing chaos in my account because funds were not available, which is wrong. When they returned to me after interrogating my aunt, they suddenly were friendly and wanted to ensure I was okay.
Product: Vehicle loan or lease

I have a lease with Ally Bank, my vehicle was totaled in an accident, my balance on lease was approximately {$7500.00} and my but out {$37000.00}, responsible party 's insurance paid {$56000.00} to leasing company and leasing company refuses to refund over payment or provide closing statement where did all the excess monies go to as they claim when vehicle totaled they are the owners and get to keep any over payment, if that is the case how come they do not pay for registration ( was paid a month before total loss and refunded by insurance company ) and maintenance of vehicle., i believe this is an unfair and deceptive contracts used by leasing company!!
Product: Credit card

XXXX for {$1800.00} posted on XX/XX/XXXX Activity ID : XXXX Dispute originally filed on XX/XX/XXXX XXXX sent a product that was not as described, tried to resolve with them unsuccessfully. 

XXXX has refused to refund the money XXXX charged despite never receiving the product I ordered.
Product: Credit card or prepaid card

The purchase made on XX/XX/XXXX at the Ashely store in XXXX XXXX XXXX, GA for the total amount of {$2700.00} was not signed by me. This specific store has orchestrated fraudulent steps. Which led to the delivery of the wrong items ordered and sent. The attached signed sale XXXX sale for XXXX does not have my signature. All items were cancelled at the store. I have attached a copy of my drivers license for you to match signatures. 

Returned the next day XX/XX/XXXX, I ONLY made 1 purchase on XX/XX/XXXX ( Where is this sale receipt? ) 1 bed frame for {$790.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX : XXXX Instead, Ashely sent XXXX XXXX XXXX XXXX XXXX : XXXX. 

As soon as I realized of the error. I rejected the delivery, I contacted Ashely store in XXXX XXXX, I tried talking to several people, I never received a response. 

I have attached a copy of my drivers license for you to see how this specific store has managed to falsely print my name on their documents. 

I sent a certified letter on Synchrony bank it was received XX/XX/XXXX USPS tracking XXXX requesting an investigation. Its been more than 30 days without a response If synchrony made a proper investigation, synchrony would have realized that Ashley made a BIG mistake, they ordered the wrong items that I DID NOT approve, Ashley made a huge typo in my order, so they sent me the wrong item, Ashely sent Item : XXXX INSTEAD of Item : XXXX. Can you not see the error/ typo, the BIG ERROR Ashely store made? 
And they still have not corrected?? I didnt no authorized or approved for item Item : XXXX to be sent to my home., I didnt signed for the sale, In addition, Ashley store had not contacted me or have try to resolve the issue, I have made several attempt and they never call back either. I have been in touch with XXXX ( store manager ) and XXXX ( office manager ) and no resolution. 


Needless to say, Im terribly dissatisfied with Synchrony handling my case. I, in no way should be responsible or pay for items that I didn't order, authorize or approve and most importantly never received. 

Briefly, I am requesting synchrony to correct the error on my account promptly, that any finance or other charges related to the dispute amount be credited to my account, and make Ashely store take responsibility Sincerely XXXX XXXX
Product: Debt collection

I have discovered some inaccurate information on my credit report. Therefore, On XX/XX/2020 I requested an explanation or an investigation from the credit bureau for inaccurate information listed on the letter. After months waiting, I have not been provided with any information about from the credit bureaus. And I would like an update on my credit within 30 business days.
Product: Credit reporting or other personal consumer reports

Equifax continues to report a balance of {$520.00} on my XXXX account which is wrong. this is a debit credit builder account that I closed due to the inaccurate reporting to the three bureaus. Equifax 's reporting of this account AFTER it has been closed has caused me to lose financing due to the reported balance on a account that is closed. They need to remove this immediately as this is a direct violation of my rights under the FCRA.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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.
Product: Credit reporting or other personal consumer reports

I reviewed my Experian consumer report and found a fraudulent XXXX US Bankruptcy XXXX XXXXXXXX XXXX record. Its is the responsibility of the credit reporting agency to maintain accurate information related for a consumer. Here this is not a true account of the consumers standing. Please remove this record in compliance with FCRA.
Product: Credit card

After XXXX bounced payment in early XXXX XXXX, American Express did not notify me that it was doing an audit of my account. Then, without notice of a delinquent payment or a review pending, it reduced my limit on XXXX/XXXX/XXXX by {$1500.00}. I am not aware of any contractual provision that allows them to do that. I suspect a possible breach of contract, unconscionability and breach of duty of good faith and fair dealing for this unilateral action. 

I then called the following day ( today ) to restore my credit. They said over the phone ( XXXX # XXXX ) that if I paid {$2900.00}, that my limit would be automatically restored within 30 business days. I accepted their offer and made the payment to try to restore my credit. I then found out that they would not be able to do so by the time the reduction would be reported to the credit bureau. I asked her to escalate or accelerate that process and she said that there was no such process and that no such process exists. I then spoke with her supervisor who affirmed the same. This turned out to be false and misleading statement from a credit agency as I later found out that escalation is in fact possible. 

I then asked the credit bureau reporting division of American Express what I could do and they said that whatever was current as of XXXX XXXX, XXXX, that that would be what is reported to the agency. So, to try to reduce the damage to my account, I paid the entire balance and closed the account. I then called to confirm that this is what would be reported to the bureau ( rather than the reduction in limit ) and they informed me that the newly assessed limit would be reported, together with the closure. I told them that I was promised that the limit would be increased if I made the payment and they sent me back to the credit lending department. That department agreed to escalate the matter and adhere to their agreement to increase my credit limit if and only if I re-opened my account. But that was not a term that I had agreed to. In fact, there was no mention of keeping the account open when the offer to accept payment and re-increase my limit was made. They then offered to escalate ( previously denied ) if and only if I re-opened the account. That is to say, they would only honor their promise if I agreed to re-apply for the same exact credit card and submit to a credit check. This appears to me to be a breach of a duty of good faith a fair dealing, breach of an oral agreement, and misrepresentation.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und 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 WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Debt collection

I tried to call this debt collection company to dispute a debt for which I am not responsible and during my first call a man named XXXX XXXX up on me after I told him I did not have the address to which the account belonged. I told him I could only provide the account number and before I could say that I could provide the social he hung up. When I called back to request further information about the debts in question it appears as though they are attempting to collect on several debts which were successfully disputed and for which I am not responsible.
Product: Debt collection

Debt collection agency : Medical Data Systems. Received telephone call at my place of employment without written or verbal permission to do so to discuss a debt owed. Continued to contact my employer after I verbally asked not to.
Product: Mortgage

I paid 3 different companies to do a modification of about {$3500.00} and also try to modify with green tree they had me bring my mortgage up with I did, still didn't get it they pressure me to move so they sell the house, my wife and I lose 4 year of mortgage payment at XXXX + and my credit rating hurt us that follow us for 8 year. {$67000.00} down the drain, we just got the letter from you all with a {$10.00} check that really hurt after all the money we lost XXXX, m put it in XXXX hands and yours. Ps please help vet out, it will help us get new mortgage. Contact # XXXX at. XXXX XXXX XXXX XXXX XXXX la XXXX
Product: Debt collection

I believe this debt is for a Doctor 's visit of our XXXX  I was insured, and so were my kids, constantly with XXXX. Therefore, this XXXX  visit was fully covered by insurance and should have been billed from the Doctor 's office to the insurance. However, it seems that they gave it erroneously to the collection agency instead. 
I have informed the collection agency about this and asked for proof of my liability even with registered mail ( proof uploaded below ). But I have only gotten more and more threatening letters, calls, and text messages. 
My account # with H & R is XXXX
Product: Credit card or prepaid card

Back in XXXX of XXXX, there was no announcement that Comenity  Credit Card was going to shut down their payment processes online. There was no way to log in to see what was being billed, there was no way to make a payment, not even by phone. Then when I found out " Easy Pay '' was opened in XX/XX/2022 there was still no representation of statements of bills and no way to know how much was being charged to my account. There was no announcement that the website was back up. As of now, I can see statements, but not all of them are accounted for XX/XX/2022 is missing. I have been trying to make payments and sent Comenity two physical letters from my bank stating the payments were never tried and have not heard back from them on this specific topic. I have been charged for " chargebacks '' saying Comenity tried to charge my bank but it never went through. None of the payments I scheduled went through the day I scheduled them to go through. I have been charged late fees that have added up to over {$200.00} on my credit card. I asked to have them removed, but no response was made until today XX/XX/2022, and was just simply told I did not qualify. Other customers of Comenity were subjected to waived fees and charges. I have reported them to the XXXX, but nothing was done and no reports or changes have been made. 

I have also received a " bill '' in the mail explaining my account was closed due to the supposed sent-back payments.
Product: Debt collection

Ive attempted to reason with the defendant regarding this debt, defendant repeatedly attend to collect my debt under fall and misleading information and representation. defendant failed to provide proof of the original creditor in the affidavit attached.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX & XXXX XXXX had XXXX dierent nard inquiries show up on my transunion and XXXX report. 
They are as follows : 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
Product: Credit reporting or other personal consumer reports

I asked that you validate and investigate these inaccuracies. Despite your non response, the following incorrect items remain on my credit report. These inaccuracies are severely damaging to my credit report.
Product: Credit card

This is written notice to American Express that your claim has been disputed under the Fair Credit Reporting Act ( FCRA ), The Fair Debt Collection Practices Act, Fair and Accurate Credit Transaction Act, and Colorado state Statutaes. I have the right to dispute any inaccurate information that is being reported in my credit file. I have requested that a COMPLETE VALIDATION of this account. In which has been being illegally displayed on my credit reports ( XXXX, XXXX, and XXXX ) be VALIDATED, and if VALIDATION can not be made within the 30 day time frame allowed to American Express by law. The disputes listed in my original complaint must now be completely removed from my credit reports. ( American Express you have now legally exceeded the time frame allowed to you by law ). 
Your legal staff will agree that compliance with this request is required under the laws of the FCRA, FDCPA, FACTA and Colorado and Federal Statutes. 
I HAVE DISPUTED THIS ACCOUNTS INFORMATION WITH AMERICAN EXPRESS SEVERAL TIMES ( CFPB REF NO : XXXX ) IN REGARDS TO THE INACCURATE INFORMATION IN WHICH YOU CONTINUE TO ILLEGALLY REPORT ON MY PERSONAL CREDIT REPORTS! AMERICAN EXPRESS HAS WRITTEN BACK TO ME STATING THAT THEY HAVE GIVEN ME A COURTESY OF REMOVING {$8.00}, BRINGING MY BALANCE TO {$0.00}. AS OF MY RECORDS, AMERICAN EXPRESS HAS NOT GIVEN ME ANYTHING, BECAUSE AS OF XXXX XXXX, 2016, WHEN I CONTACTED CUSTOMER SERVICE, THEY STATED TO ME THAT THE CURRENT PAY OFF AMOUNT FOR THIS ACCOUNT WAS {$2200.00}, '' I THEN ASKED THE REPRESENTATIVE IF THIS INCLUDED ALL OF THE FEES THAT WOULD BE ASSOCIATED WITH MY ACCOUNT ''. THE AMERICAN EXPRESS CUSTOMER SERVICE REPRESENTATIVE THEN STATED TO ME THAT " YES THAT WAS ALL THE REQUIRED FEES THAT WERE ASSOCIATED WITH MY AMERICAN EXPRESS ACCOUNT '' AT THE TIME OF IT 'S " CLOSING ''. I WOULD NOW LIKE TO ASK AMERICAN EXPRESS, HOW ARE THEY TRYING TO CHARGE ME {$8.00} FOR AN ACCOUNT THAT HAD NO PRIOR PURCHASES MADE ON IT BEFORE THE ACCOUNT WAS CLOSED, OR AFTER THE ACCOUNT WAS CLOSED. AMERICAN EXPRESS IS CONTINUING TO REPORT THAT I WAS LATE ON THIS ACCOUNT AFTER THE ACCOUNT WAS ALREADY CLOSED XX/XX/XXXX! AS YOU AMERICAN EXPRESS ARE IN FACT NO DOUBT AWARE, THAT THIS IS KNOWINGLY AND DIRECTLY VIOLATING THE FDCPA, FCRA, FACTA, AND COLORADO STATUTES, TO CONTINUE TO REPORT THAT THIS ACCOUNT IS ACCURATE WHEN IN FACT THERE HAS BEEN NO PROVIDED PROOF IN THE TIME FRAME ALLOWED TO AMERICAN EXPRESS BY LAW THAT IT IS! 

AS YOU AMERICAN EXPRESS ARE IN FACT NO DOUBT AWARE, THE DOCUMENTS THAT YOU HAVE MAILED TO ME ARE NOT A COMPLETE VALIDATION OF THIS ACCOUNTS INFORMATION! I HAVE REQUESTED VALIDATION, NOT VERIFICATION OF THIS ACCOUNT.
Product: Student loan

I have been meticulously following the rules for public service loan forgiveness ( PSLF ) for the past 12 years. I made sure I was in the right type of loan, the right type of payment plan. I had a total of XXXX total direct loan sequences, XXXX with the same loan counts, and XXXX other consolidation loans with the same loan counts. I was told repeatedly by FedLoans servicing that there was no point in consolidating my loans because they were all Direct loans and that consolidation would reset my payment counts. In XX/XX/2021, sequences XXXX and XXXX were forgiven and for that I am extremely grateful. In XX/XX/2021, the waiver was announced and I learned that if I had been able to consolidate my loans under the waiver, all of my loans could have gotten the higher payment count and be forgiven. It just feels like the rules keep changing and that at every step of the way, I have been given bad information by my loan servicers.
Product: Debt collection

XXXX  XXXX was paid directly in full on XX/XX/2019 of {$660.00}. Receipt is attached along with Goodwill Letter, and XXXX XXXX Report of deletions back in XX/XX/2019.