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

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable collection accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. 
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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

These are the account marked as inaccurate : XXXX XXXX 2021
Product: Payday loan, title loan, personal loan, or advance loan

I was under the impression that I was paying {$55.00} a month for a used washing machine. They are taking {$55.00} out of every paycheck. I also purchased a warranty. Apparently the washing machine I will end up paying {$1500.00} is only worth {$280.00}. Discounted appliances in XXXX Arkansas will not replace the broken washing machine they sold me nor will they honor the warranty I purchased in their store. Ive had no luck contacting the store or the warranty people so this is all an apparent scam.
Product: Mortgage

I applied for a loan modification and the bank is trying to foreclosure please help they want to foreclose on XX/XX/21
Product: Vehicle loan or lease

I had a car loan through Credit Acceptance Corporation, the car was totaled in a car accident. On XX/XX/2023, I received a notarized letter from them along with the title for the car via registered mail stating that I had been released from the XXXX. About a week later i received a letter stating that my wages were being garnished due to defaulting on the auto loan. I called Credit Acceptance and asked for an explanation, the representative I spoke to told me to disregard the letter and not to worry since I had been sent a notarized release of XXXX and had the title. Not only were my wages garnished starting XX/XX/2023 ; Credit Acceptance has also been reporting to all 3 credit bureaus that I have not made any payments on the loan from the start of the loan to now. This is not only inaccurate but has caused me tremendous financial strain. Due to their false reports to the credit bureaus, I have not been able to get a new car because it appears that I have an un-paid open loan. And due to my wages being wrongfully garnished, I was ultimately forced to resign from a job I loved because I had to move out of state due to not having a vehicle and my wages being cut. Credit Acceptance Corporation has violated my rights per 15 US Code 6801 - Protection of Non Public Information, I never gave written permission for them to furnish my non public personal information on any reports. They have also violated 15 US Code 6802- Obligations with respect to disclosures of personal information & 15 US Code 6803 - Disclosure of Institution Privacy policy. They have also produced inaccurate information on my credit report. They are also in violation of 15 US Code 1681 and US Code 1681b.

I was also never given the option to opt out of my information being reported in the first place which is my right as well.
Product: Payday loan, title loan, personal loan, or advance loan

They are taking 2 very large payments automatically from my checking account that I was NOT told they would do and are charging outrageous fees I was not informed of. The only fee I was informed of was a 10 % payment once a month. I would have NEVER accepted this loan under these terms!! I now can not pay my other bills and am going to close my checking account so they can no longer have access.
Product: Credit card

For chase credit card number " XXXX, '' Submitted a dispute on XXXX for the transaction dated XXXX for {$8000.00}. On XXXX later re-submitted {$3000.00} in light of new information, per Chase 's response that the dispute category was wrong. chase sent out a resolution letter stating that the charge of " {$3000.00} '' is valid, without detailed explanation.
Product: Mortgage

When I bought my house, I was persuaded by the low monthly payment XXXX {$1600.00} per month XXXX. I had a 30-yr fixed mortgage at ~3 %. In less than one year, that increased to more than {$2300.00} per month. I was told that the ( escrow? ) costs were underestimated and because the seller had made major improvements before I bought it, the taxes were increased. The realtor XXXX Weichert in New Jersey XXXX had not mentioned this to me at all prior to my purchase, even though I 'm a single woman supporting a family by myself. I complained but they told me it would go down later. It did go down a year later, but to {$2100.00} per month, still much greater than the {$1600.00} per month that I thought would be my monthly mortgage burden. Weichert of course knew I made ~ $ XXXX per year, and that I had substantial cash savings and no debt ( other than the house mortgage ), so they thought it was no big deal if my costs went up because I could afford it. They also unilaterally made a bid on this house that was higher than the bid that we had agreed to on the house, based on the neighborhood comps. Again, they just wanted to close the transaction ( this was almost 3 yrs ago when the housing market was still struggling somewhat because potential buyers were being rejected for mortgage loans XXXX. What Weichert did was completely reprehensible, if not illegal. They breached their fiduciary duty to me out of their own greed. I would not have bought this house had I known that my monthly payments would be this high.
Product: Checking or savings account

I contacted Chime in XX/XX/XXXX on their customer service number that is in back of their card. I contacted them to have them transfer my paycheck money from my savings from Chime to checking to XXXX. I accidently made the transfer from my chime checking to my chime savings on the app, I tried to transfer it back and was unable that's why I contacted customer service. They told me that they would help me. They asked me to download a app to make the transfer. The app is XXXX after I downloaded the app they asked me for a code that the app would provided to me. I gave the code to the customer service rep. He said it didn't work and that I would received another code and we tried a couple of times. He then sent me to my chime app and for me to go to my settings and that's when I noticed that he had all the bank information. He then wanted me to transfer {$1000.00} to him and then he would transfer the money back to me and I would see it available in XXXX. I see an email that I transferred money to XXXX XXXX for the amounts of {$490.00} and {$490.00} on XX/XX/XXXX. I contacted chime and they transferred me to their fraud dept. They tell me that they cant help me and for me to go to the police station to file a report. I contact the police. The police told me that Chime has to make a dispute for me for this fraudulent transfer. I finally make a dispute for these unauthorized transfers. I made a dispute and they denied it. I made the police report and he provided a report number and in 4 days I will have the complete report. I send the police report to Chime through an email provided. They received it and I made a new dispute and they deny it again. I don't understand how this happened if the number I contacted is the number for Chime provided in back of their debit card. I am upset that Chime is unwilling to help me get my money back. I worked hard for this money and it was my mortgage payment.
Product: Money transfer, virtual currency, or money service

Venmo, without my knowledge or consent, is classifying transfers between individual people as cash advances when reporting the transaction to XXXX XXXX XXXX XXXX. As a result, XXXX CXXXX XXXX XXXXXXXX is charging me a fee and interest on the transaction. The transaction records on Venmo 's side do not make any indication whatsoever that the transaction was considered a cash advance or that it would be coded as such on the credit card transaction. This is the first time this has happened to me and this has not previously happened. I believe this is deliberate collusion between Venmo and credit card processors to abuse consumers into paying fees and interest on low-risk transactions where it is not necessary or disclosed.
Product: Payday loan, title loan, personal loan, or advance loan

SST bought my loan. Originally from XXXX. I never signed into a contract with SST. But I did want to repay XXXX asap. Since they helped me and clearly needed the money back badly. Because they would have no other reason to sell off my 100 % positive history loan to another servicer. 

So I saved up and made an offer to SST : Accept near full lump sum payment ( Payment in full, only waiving some interest off the end for not spacing it out in many payments. ) in exchange for marking my account positively as " closed/paid in full ''. 

SST agreed to my offer terms. Accepted payment. But then horribly failed to deliver. Marking my account as " closed/paid in settlement '' instead of " closed/paid in full '' as agreed. 

SST posted to XXXX, XXXX, and XXXX at a minimum posted negatively against our agreement. SST withdrew 2 additional payments from my bank account. Each time causing overdrafts because I did not agree to and did not plan money being stolen against our agreement. 

I did not consent to my loan being transferred to a shady, lying, and stealing company. I did not and would not consent to a brand new account with only 1 month ( short/damaging ) history posted to my credit accounts. 

I did and absolutely would not send a large lump sum complete repayment waiving only partial interest in exchange to be slandered negatively. 

Since SST has not honored the terms of our agreement I am requesting an immediate l refund of my lump sum payment amount in full. I am also requesting they delete their tradeline from anywhere posted. 

Please immediately launch a deep investigation of and shut down this scary, shady, lying, and stealing illegal scam operation. With XXXX review ratings of only XXXX, XXXX  unaccredited, we can easily confirm SST has a consistent pattern of malicious illegality against consumers. Upset they're suddenly hit with fraudulent activity by SST. 

My 3 part proposal is simple : Return my payment, delete tradeline, and no further contact.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been trying to reach out to Transunion, they have not given me access to my CONSUMER REPORT and XXXX REPORT. They claimed that they have sent a consumer report but I have not received anything at all.
Product: Bank account or service

On Friday XX/XX/XXXX I deposited XXXX ( several checks ) into my business account at citizens bank in XXXX inside of XXXX. The bank deposited XXXX some odd dollars instead of XXXX. Right away I went to the teller and said you gave me too much money. He said it was friday and to come back monday and we could remove it. I went back monday it was n't there, tuesday it was n't there. Thursday I went back and to my suprise they withdrew the money ALONG WITH MY DEPOSIT. Now if i would n't have checked they would n't have told me??? If i would have kept that money it would be theft. Why were they allowed to take MY money from MY account and NOT notify me?? They still have NOT given my money back. they told me I had to go back saturday to fill out paper work??!!! to get MY MONEY? And from there it could take days. I want to file a complaint as they were not permitted to go into my account. how many other peoples accounts do they do that with???? I consider this theft and want my money. I should not have to wait
Product: Debt collection

Dear CFPB XXXX Bank of America ; I am writing to formally dispute an account listed on my credit report by Bank of America, which I believe to be fraudulent. I have no knowledge of this account and have never had any prior relationship with this company or the original creditor. The balance reported is incorrect, and I have never entered into any contractual obligations with the mentioned entities. 

The inaccuracies in reporting this account violate both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). To resolve this matter expeditiously, I request the following documentation : Authorization Evidence : Proof of authorization under 15 USC 1692 ( e ) and 1692 ( f ) for handling this debt collection. 
Legal Basis : Documentation demonstrating the legal basis for the collection of this alleged debt. 
State Authorization : Proof of your authorization to operate and collect debts in my state. 
Debt Evidence : Evidence of the alleged debt, including any contracts or agreements bearing my signature. 
Account History : A complete account history, including all collection-related charges. 
Additionally, I am filing a formal complaint citing violations of my consumer rights under the FCRA and FDCPA, specifically : 1692d : Harassment or abuse in connection with debt collection.

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

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

1692f : Use of unfair or unconscionable means to collect a debt.

Under 15 U.S.C. 602 ( a ), I demand the immediate cessation of all communications and collection activities related to this account. Furthermore, pursuant to 15 U.S.C. 604 ( a ) ( 2 ), no account can be furnished without my written consent.

I request the immediate deletion of this disputed account from all three credit reporting agencies due to its unrecognized status and the lack of any valid contractual obligation. Your prompt attention to this matter is crucial. Failure to comply may result in further legal action to protect my rights. Please provide the requested proof of this debt or remove the erroneous account from my credit report as soon as possible. 

Thank you for your immediate attention to this serious issue.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX Bankruptcy Reference # : XXXX
Product: Credit reporting or other personal consumer reports

On or around XX/XX/year>, I electronically submitted a request for my complete consumer file record held at Experian, not to include risk factors and credit scores. 

In response, Experian emailed the attached letter in which they refused to provide the information, stating I did not include a dispute reason. Experian mischaracterized my request for credit file. There is no dispute. The written request I submitted which is attached does not use the word dispute. As outlined in 15 U.S.C. 1681g, I do not need a specific reason to obtain my own credit file records.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Barclays Bank for failing to validate the following accounts on my credit report : BRCLYGAP Account Number : XXXX BRCLYOLDNAVY Account Number : XXXX BRCLYSBANKDE Account Number : XXXX Despite submitting disputes and requesting validation over 60 days ago, Barclays Bank has not provided the legally required documentation within the 30-day timeframe mandated by the Fair Credit Reporting Act ( FCRA ). This continued reporting of inaccurate and unverifiable information has caused harm to my creditworthiness and resulted in financial and emotional distress.

Specific Violations Failure to Validate Debt Violation : FCRA 611 ( a ) ( 1 ) ( A ) Requires disputed information to be verified within 30 days. Barclays Bank failed to provide validation or supporting documentation for these accounts.

Failure to Ensure Maximum Possible Accuracy Violation : FCRA 607 ( b ) Requires furnishers to ensure that all reported information is accurate and complete. The reporting of unverifiable accounts violates this provision.

Failure to Delete Unverified Information Violation : FCRA 611 ( a ) ( 5 ) ( A ) Mandates that unverified information must be deleted if not validated within the required timeframe.
Product: Credit reporting or other personal consumer reports

There are XXXX old accounts that are too old to still be on my Equifax credit report ( older than XXXX  years ). XXXX has successfully removed them. 

Accounts not yet removed by Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I appreciate any help you can provide with this matter. 

Thanks, XXXX
Product: Credit card

It was brought to my attention the charges from XX/XX/XXXX ( XXXX XXXX ) and XX/XX/XXXX ( XXXX XXXX XXXX XXXX ) have been charged back to my account after your internal investigation. I have provided evidence that I was in fact home those two days and was NOT in XXXX, Georgia. Evidence includes XXXX XXXX camera still shots ( of me and my wife ), dated and timestamped, my stay history with XXXX and XXXX, text messages from XXXX who was onsite purchasing a vehicle from my family, and emails showing I was working with a contractor in my town regarding fieldwork. 

Finally, I personally called both hotels who verified the card was NOT physically used at the locations. 


Charges include the following : XX/XX/2023 {$190.00} @ XXXX XXXX  XXXX GA XX/XX/2023 {$190.00} @ XXXX XXXX  XXXX GA XX/XX/2023 {$320.00} @ XXXX XXXX XXXX XXXX XXXX XXXX GA XX/XX/2023 {$220.00} @ XXXX XXXX XXXX XXXX XXXX XXXX GA
Product: Debt collection

I have two accounts both were suppose to be given hardship help, they did one but the rep never filed the other. We did not know and when we got our bill and no relief so my wife called I am XXXX at first they allowed her to help me but after they made the mistake refused to talk to her, so I paid what I could each month. Sent them a certified letter to stop calling and ruining our excellent now horrible credit because of one card. We paid what we could they refuse to help now charged it off and we can't pay anything. Afraid of what they will do next I have sent two certified letters My husband is sick and we own nothing but one vehicle and afraid they will take it and we have no way to get medical or food. 
We want to pay always have but with COVID needed help. We pay all out debts and want to resolve this but they refuse to work with my wife. I have XXXX XXXX XXXX and XXXX they now won't let us even try to pay. 

Thank You We are in Dire need of help. I have no problem talking with them through my wife but they just kept calling for the entire amount due which became a nightmare as they charged late fees and interest rate not reduced as they said. The enclosed documents explain in detail what they have done and what we have done.
Product: Debt collection

In XXXX of XXXX, I was unemployed because of XXXX. I made an agreement with HSBC to pay {$50.00} per month. I have been paying {$100.00} per month - more than the agreed upon amount and more than the minimum ever since. 

I received a letter stating THE HARDSHIP ON YOUR ACCOUNT THAT BEGAN " XX/XX/XXXX '' HAS EXPIRED. AS A RESULT, YOUR ACCOUNT WILL BE REMOVED FROM THE PROGRAM GOING FORWARD. Firstly : the Hardship began in XXXX not last week. My recent automatic payment was make on XX/XX/XXXX for {$100.00} ( more than the minimum due ). The current amount owed is XXXX. A negative report was sent to my credit report on XX/XX/XXXX : Settlement HSBC BANK It looks like your HSBC BANK account was either settled on XX/XX/XXXX for less than the balance or closed because you haven't used it in a while. 

AND- I received an email : HSBC requests your signature on Authorization for Direct Payment by ACH Debit ( HSBC XXXX ) Due by XX/XX/XXXX Review and sign
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE CONTACTED EXPERIAN SEVERAL TIMES AND CLEARLY THEY TAKE THE BANKS SIDE EVERY TIME. I HAVE ASKED XXXX XXXX   XXXX FOR COPIES OF THE CONTRACTS AND NO RESPONSE AND I HAVE ASKED XXXX XXXX  FOR BOTH CONTRACTS AND NO RESPONSE, I HAVE SENT EXPERIAN FRAUD DIVISON POLICE REPORTS AND FTC REPORTS AND A NEW COPY OF MY DRIVERS LICENSE AND ON THE POLICE REPORT IT SHOWS THE ADDRESS OF XXXX XXXX XXXX XXXX SC XXXX IS FRAUD ADDRESS AND THEXX/XX/XXXX WAS MADE AT THAT ADDRESS FOR FRAUD FOR USING MY PERSONAL INFORMATION. EXPERIAN DOESNT LOOK INTO THE INVESTIGATION AND GIVES THE BANKS FIRST RESPONSE AND BELIEVES THEM VS MY STATE AND FEDERAL PAPERWORK I HAVE SENT THEM. I WILL FILE SUIT AGAINST EXPERIAN UNDER THE FAIR CREDIT ACT. I'M A RETIRED FEDERAL JUDGE AND THIS MESS ISNT HAPPENED TO ME. EXPERIAN BLOCKED THIS ADDRESS IN XXXX SC YEARS AGO FOR FRAUD AND NOW UNBLOCKS IT BECAUSE THE BANKS SAY ITS RIGHT. THEY ALSO BLOCKED 2 YEARS AGO A XXXX ACCOUNT AND NOW LETS THEM PUT IT BACK ON MY REPORT WITHOUT CAUSE. I HAVE SENT AND HAD BOTH BANKS SERVED WITH A ORDER FROM A STATE JUDGE IN NC WAITING THE CONTRACTS FOR THOSE CAR LOANS. EXPERIAN NOR THE BANKS HAVE REPLIED TO THE INVESTIGATOR WITH THE FTC IN XX/XX/XXXX WANTING THE PAPERWORK THE BANK SENT THE CREDIT BUREAUS SAYING THOSE ACCOUNTS WERE CORRECT NOR THEY HAVEN'T SENT THE CONTRACTS TO THE BANK EITHER. NOW THE BANKS ARE IN SHOW CAUSE FOR CONTEMPT OR A COURT ORDER. I AM FILING SUIT AGAINST XXXX  XXXX XXXX AND XXXX XXXX ASAP,  EXPERIAN TOMORROW IN XXXX COURT. WHEN THE FRAUD ACCOUNTS ARE REMOVED AND BLOCKED I WILL RELEASE THE LAWSUITS. WHAT GETS ME IS XXXX  XXXX XXXX AND XXXX XXXX   BOTH REMOVED THOSE ACCOUNTS FROM XXXX  AND XXXX  BACK IN XX/XX/XXXX, PLUS EXPERIAN REMOVE BOTH INQUIRES FROM XXXX  XXXX XXXX AND XXXX XXXX  BACK IN XX/XX/XXXX AND I TOLD THEM THAY WERE FRAUD. I CAN SHOW PROOF I WASNT EVEN IN THE COUNTRY IN XXXX OR XXXX, XXXX SO HOW DID I PURCHASE SEVERAL CARS THEN WHEN I WASN'T EVEN HERE. EXPERIAN DOESN'T LOOK AT ANY OF THE PROOF I HAVE SENT THEM SHOWING THOSE ACCOUNTS ARE FRAUD. I WILL ALSO FILE SUIT AGAINST XXXX FOR LETTING THIS HAPPEN 2 DIFFERENT TIMES AND PLUS FILE SEVERAL LAE SUITS AGAINST EACH COMPANY AND EXPERIAN FOR SENOIR ABUSE! I JUST HAD A MASSIVE XXXX IN XX/XX/XXXX AND MY DOCTOR HAS WRITTEN A LETTER STATING THE STRESS FROM EXPERIAN AND XXXX XXXX  AND XXXX CAUSED ME TO HAVE THIS XXXX. EXPERIAN NEEDS TO LOOK INTO PAPERWORK THEY RECEIVE BEFORE THEY TAKE THE BANKS SIDE. WHEN EXPERIAN RECEIVED THE PAPERWORK FROM ME THEY OPENED THE DISPUTES AND WITHIN 48 HRS THE BANKS RESPONDED SAYING THE ACCOUNTS ARE RIGHT. HOW DID EVERYONE AND EXPERIAN INVESTIGATE THIS FRAUD WITHIN 48 HRS!!! THEY CAN'T, NEXT THEY WILL ANSWER TO A FEDERAL JUDGE IN XXXX NC ABOUT THIS AND WHEN THEY SEE IM TELLING THE TRUTH MORE LAWSUITS WILL BE FILED. BECAUSE MY BANK WHO HOLDS MY HOUSE LOAN ON BACK OF MY PROPERTIES ARE CALLING IN THE LOANS BECAUSE OF THIS. I HAVE THE LETTER STATING IT FROM MY BANK.