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

Issue : XXXX XXXX XXXX is reporting a charge-off ( CO ) on my credit report every month for the past three years, indicating that I have an outstanding balance or am delinquent on my payments. This is inaccurate and causing harm to my credit score.

Laws : Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681c ( a ) : A creditor can only report a charge-off ( CO ) once, when the account is initially deemed uncollectible. 
XXXX XXXX Guideline 4.1 : A creditor can not report a CO every month, only when there is a change in the status of the debt. 
FCRA - 15 U.S.C. 1681i : A creditor must conduct a reasonable investigation of a dispute and correct any errors on the credit report.

FCRA - 15 U.S.C. 1681s-2 : A creditor must update the credit report to reflect any changes in the status of the debt. 
Violations : XXXX XXXX XXXX  reported a CO every month for XXXX years without a change in the status of the debt, violating FCRA - 15 U.S.C. 1681c ( a ) and XXXX XXXX Guideline 4.1. 
XXXX XXXX XXXX  failed to conduct a reasonable investigation of my dispute and correct the errors on my credit report, violating FCRA - 15 U.S.C. 1681i. 
XXXX XXXX XXXX  failed to update the credit report to reflect any changes in the status of the debt, violating FCRA - 15 U.S.C. 1681s-2.

Damages : Harm to my credit score Emotional distress Loss of credit opportunities Request : Order XXXX XXXX XXXX  to correct the errors on my credit report Award damages for the harm caused by XXXX XXXX XXXX  's inaccurate reporting Impose penalties on XXXX XXXX XXXX for their violations of the FCRA and XXXX XXXX guidelines Supporting Documentation : A copy of my credit report showing the inaccurate reporting A copy of my dispute letter to XXXX XXXX XXXX  A copy of XXXX XXXX XXXX  's response to my dispute Additional Information : XXXX XXXX XXXX  's reporting of CO every month for XXXX years without a change in the status of the debt is a clear violation of the FCRA and XXXX XXXX guidelines. 
I request that the CFPB take immediate action to correct the errors and hold XXXX XXXX XXXX  accountable for their actions.
Product: Debt collection

I 'm in a dispute of charges with XXXX XXXX, over a pro-rate charge vs. a full month charge. XX/XX/XXXX a ended my services with XXXX, paid the last month bill ( exhibit A ) and was told that a final bill will arrive in regards to the period between the last billing and the discontinuation of the service from XX/XX/XXXX-XX/XX/XXXX. 

I received the bill but it was a full charge of {$92.00} ( exhibit B ). 
I called XXXX, told that my contract was long expired and that I should be paying only the pro-rate charge. Level XXXX customer service rep. said she could not do anything for me and all the " Executive Customer Service Reps '' were busy, then she took my callback info and said that such rep would contact me in 5 business days. This never happened and instead I received a letter from a collection agency. 

I responded to the letter in writing challenging the charges and demanding them a verification of my debt, they did n't replied to me. 

On XX/XX/XXXX, I received a letter from another collection agency called West Asset Management ( WAM ) about the same charges. On XXXX XXXX I sent them the same letter I 've sent to the previous agency asking again for proof of debt. ( exhibit C ) .This is a standard letter to debt collector asking for proof of debit and requiring them under the Fair Debt Collection Practices Act to do not notify any credit agency until the debt is confirmed in writing, etc ... 

To my surprise, they informed XXXX and XXXX about this collection on XXXX XXXX, and of course my credit score dropped about XXXX points since ( exhibit D ). 

The letter for verification of the debt only came from West Asset Management on XXXX XXXX where they only included the last bill from XXXX, which I 'm aware of, and it is exactly what I 'm disputing here.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I tried to pull my credit report from Equifax. I noticed that the security questions asked did not match my identity. I was also not able to get my report. I went to Equifax.com to research reasons for the error. Upon doing my research, I found that my name was inaccurate, birthday is inaccurate, social security number is also inaccurate, and my home address. My credit file is practically blank, with the exception of a collection account. That has nothing to do with me. 
According to the website, my credit report has not been updated since XXXX. Yet, the collection added to the report was added on XX/XX/XXXX. 
I disputed all inaccuracies dealing with my personal identification. I submitted social security card image, birth certificate image, driver 's license, and recent waste disposal bill, to verify my address. 
On XX/XX/XXXX. I received messages from Equifax, that all disputes were completed and the information on my credit : social security number, birthdate, name, and address are reporting as such, due to the collection item. 

According to my consumer rights and the Fair Credit Reporting Act, the explanation provided from Equifax, should not stand and my information should be changed. Especially after providing the documentation they requested as proof. They are reporting false information on my behalf to potential creditors. 

Sadly, this is not my first time dealing with Equifax on a matter such as this. In XXXX, submitted letters and proof of police reports verifying that my items of identification has been stolen. 
There was also a freeze on my report, which was removed by Equifax.
Product: Checking or savings account

I have a personal account in my name with Citizens bank which is a checking and HELOC account. I have a joint account at XXXX with my partner. I went into Citizens Bank on XX/XX/year> to cash a {$20000.00} check for a car we had just sold that was made out to my partner. They told me to endorse the check so they can cash it. They then called over higher management who said it's too big they can't cash it. I had to leave on XXXX XXXX so the next opportunity I had was XX/XX/year> to go to XXXX and explain why the check was already endorsed. They still cashed it into our joint account for us. We then wrote a personal check to me so I could cash it at Citizens and pay down the HELOC. I went to Citizens on XX/XX/year> to cash it since it was now made out to me personally. They said they would cash it and it would be released within 24 hours. On XX/XX/year> it was still on a hold. I called the branch directly. They said the hold is now slated until XX/XX/year> but couldn't explain why and referred me to customer service. I called customer service and their only explanation was that their fraud department had to confirm it wasn't fraud. The money was removed from my XXXX account on XX/XX/year> so Citizens had the money. I explained this to Citizens and asked what they were doing that would take this long to review. I'm happy to provide account information or money tracking to show it isn't fraud. She refused to give me her name or ID number or anyone else to talk to. I was told there was nothing I could do and I just had to wait. This is unacceptable because they are now making interest on my HELOC on top of holding my {$200000.00}. This whole process has held up my money for over 45 days throughout this process.
Product: Debt collection

15 USC 1681- validation of debt 15 USC 1692 - Unfair practice This account is not mine and I asked XXXX XXXX XXXX XXXX XXXX XXXX to validate the debt and they have not and that is violating penal code 15 USC 1681 I am not liable for this debt with XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do not and never had a contract with this company. They did not provide me with the original copy as requested. This is illegal and violating 15 USC 1681 and 15 USC 1692c
Product: Checking or savings account

XXXX a scam person faking a bank call me that someone try to transfer XXXX dollars wich I only have XXXX. he gave me a number to freeze the account and I follow him instructions to put on XXXX and he use my name with the number he gave me. and told me to wait for a call and dont open the account until XXXX hours. I look this morning and the money for the rent XXXX dollars. gone. I hope the police catch him first before I do. I got his number is ( XXXX ) XXXX. I wish someone give me his home address. I file a police report first. if the police wont catch this bugler I will
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ( EQ ) is violating my rights under the FCRA. Over the last 3 months I've disputed XXXX XXXX XXXX XXXX ( XXXX ) Business credit card listed on my report. I sent the data furnisher requests to validate the account and they have failed to provide me any details verifying the legitimacy of the the alleged account. All correspondence sent to XXXX  was sent certified mail. ( which I have all records of their receipt ) I requested for proof that the account in question was valid and IF XXXX  were the holder in due course. XXXX failed to provide me any validation of the account. In my correspondence to XXXX, EX was carbon copied on each one. EQ did alleged did their own internal investigation of the XXXX  account. In their own investigation, EQ claims they verified the account. In each investigation where EQ claimed they verified the account, I have requested EQ 's method of verification. As of XX/XX/ they have still failed to provide any detail report on how they verified the XXXX  account. EQ has not provided me with any details on who they talked to, what documents were reviewed, where they found a signed legal contract bearing my signature, shown me a legal contract bearing my signature, etc. I have not received any type of information which would prove this account was valid & belong to me. 

Additionally, the alleged XXXX  account was opened without my knowledge, consent or authority & believe is fraudulent. Since EQ can not provide me ANY details to this matters I need this issue resolved using your assistance. EQ is in violation of Fair Credit Reporting Act 611 ( a ) ( 7 ). I lieu in my suing them for federal & state violations I'm requesting you can assist in getting the XXXX  removed from my credit. 

Lastly, XXXX has removed the XXXX  account without any incident.
Product: Credit card or prepaid card

I have a Chase XXXX XXXX credit card for which one of the benefits is that you receive {$25.00} in XXXX " XXXX '' credit every six months. On XX/XX/XXXX, I received {$25.00} in XXXX credit from XXXX. Then, on XX/XX/XXXX, I received another {$25.00} in XXXX credit. At that point, my account had {$50.00} in credit. Ten days later, on XX/XX/XXXX, {$25.00} in XXXX credit expired without warning. I booked a flight on XX/XX/XXXX which made use of my remaining {$25.00}. On XX/XX/XXXX, I received another {$25.00} in XXXX credit from my XXXX XXXX credit card. I booked a flight and used the credit, but then had to re-book the flight, so I cancelled it. When I went to re-book the flight, I was told I could not use my credit because some department at XXXX had to " verify '' the cancellation. I booked the flight on my XXXX credit card ( a separate Chase card from the XXXX card ). About a week later, the {$25.00} XXXX credit re-appeared in my account from the previous flight cancellation. 

There are two problems here. First, my XXXX balance should be {$50.00}. It is not reasonable for XXXX credit to expire in ten days, or even three months. The XXXX Terms and Conditions do not say anything about expiration at all ; terms 25 and 26 at XXXX XXXX XXXX ( " XXXX XXXX expiration '' ) are erroneously the same as terms 23 and 24 and do not reference expiration. XXXX has designed this page so that the terms can not all be printed at once. Second, I should have been able to use my {$50.00} XXXX credit when I re-booked my flight on XX/XX/XXXX, confirmation number XXXX. I could not. When I today to find out if I could apply it retroactively, I was placed on hold for about an hour and told that the relevant department was closed ( after being told that only XXXX could help me, which turned out to be incorrect, apparently, because they couldn't ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I notice several month ago i had a student loan being reported on my credit report by XXXX XXXX. I sent out a validation letter and after 30 days it was still being reported and never was validated. I contacted them and was informed the debt was transferred to EDFinancial, after i got in contact with them, i explained my situations and told them by law it must be removed as it was not my debt and they were give 30 days to validate and never did. So the representitive asked for my address to confirm, and the address they had on file was not mine. After the fact, they began using the information to report on my credit reports without my authorization which is a clear violation of my rights. I sent out be certified mail a letter requesting a proper consumer investigation on the matter as described under the Fair Credit Reporting Act US 15 1681a section 3 ( e ) which stating interviews must be conducted which friends, neighbors, and associated who may have knowledge of the assumed debt. I have contacted all the people i am familiar with and no interviews have been conducted and the debt is still being reported although no efforts has been made in regards to my request for a proper consumer investigation which are clearly within my consumer rights.
Product: Debt collection

Hello, This is my second complaint against CMRE. I am filing a second complaint because I found their first response lacking and also a blatant lie. I will first list their response below and then describe why this is a bogus response. 

" CMRE Financial Services , Inc. reviewed the consumer 's complaint and appreciates the opportunity to provide a response. We are handling ten accounts assigned to our company by our clients in XXXX and XXXX. On XX/XX/XXXX, the consumer informed us she found some accounts on her credit profile. Our representative went over the account details and provided the consumer with a discount to resolve the balance. The representative did advise the consumer that if the accounts were settled in full, then we would update the accounts as paid to the credit reporting agencies. The consumer agreed to resolve her account balances that day. The accounts were closed as settled in full on XX/XX/XXXX and updated as paid with a XXXX  balance to the main credit reporting agencies we report to on XX/XX/XXXX. If the consumer needs any additional information, we can be reached at ( XXXX ) XXXX Monday through Friday XXXX XXXX  to XXXX XXXX  PST.  '' This response is wrong for many reasons. For starters, they did not promise me they would report the balance to {$0.00}, they promised me a deletion of the accounts. Them saying otherwise is a lie not only to me but to you as well. Second, I don't need any additional information nor do I need to contact them. I need them to remove the accounts from my credit report as promised. The promise for a deletion is what ultimately enticed me to pay for these medical bills as otherwise I couldn't really justify paying {$3000.00} in a co-vid world even if the accounts were settled for a lower amount. I could be using that money to live. Work isn't any better and prices of everything keeps going up. Finally, why are they even reporting still? The accounts they are reporting are medical bills and the validating documentation they have to verify this debt was legitimate at one point is my personal medical data they no longer have any permissible purpose to have due to HIPPA laws since no more money is owed on the account and they are not a medical provider. 

Do I really have to go through the motions to ask for validating documentation on these debts knowing full well C.M.R.E. can't provide them to me? Because doing so would mean C.M.R.E., and more importantly THEIR CLIENT, violated HIPPA law by allowing C.M.R.E. to maintain the itemization of the account with my personal medical data necessary to validate this debt after the debt has been rectified and no more money is owed. If I have to do so then I will, but then I will also send a copy of it to my attorney so they can serve C.M.R.E. and their client with a lawsuit for violating HIPPA. I suggest they simply give me what was promised and delete this account from my report. I also suggest you look into C.M.R.E. 's practices as promising something to a consumer in order to obtain their money is a form of coercion as well as a bait and switch.
Product: Credit card or prepaid card

Subject : Complaint Regarding Fraudulent Actions and Mismanagement by Wells Fargo Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to lodge a complaint against Wells Fargo for their deliberate card replacement and fraudulent misrepresentation of successful repayments on my previously functioning card. 

Recently, due to the bank 's chaotic management, my personal information was once again compromised, placing me at risk of potential fraudulent activities. Consequently, I requested a replacement for my card to safeguard against potential misuse. 

However, after confirming my new card, the system failed to seamlessly transition my previous account details. Despite successfully making payments on my bill, the system falsely indicated payment failures and neglected to acknowledge my successful transactions. I had utilized the ACH card for automatic repayments on numerous occasions in the past, and even this time, my account information displayed no anomalies, and payments were made promptly. 

Wells Fargo 's actions in this matter seem indicative of fraudulent behavior or severe management dysfunction. During a recent call to their customer service, I was repeatedly transferred between representatives, and their discourteous and insolent attitude became unbearable. I could only convey the message that they urgently need to enhance the quality of their services. 

I implore the relevant authorities to thoroughly investigate the fraudulent and mismanagement practices exhibited by Wells Fargo. It is essential to regulate such behavior and ensure that consumers are treated fairly and with respect. 

Thank you for your attention to this matter. 

Sincerely, XXXX
Product: Checking or savings account

I had an account open with Majority, a XXXX XXXX  operated by Majority USA , LLC and backed by XXXX XXXX. 

On XX/XX/XXXX, they sent me a message stating " After a review of your account, we have made a final determination that we are unable to continue servicing your account. As a result, your account will be closed as of XX/XX/XXXX. Please ensure that you bring your balance to {$0.00} prior to the above date, or complete the attached balance transfer form and we can transfer your remaining balance to another account. 

I sent them the balance transfer form via email to XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Each time I had no response. 

This is now my final effort to collect the remainder of my balance in the account. I do not know the exact amount that was left, but I think it was around $ XXXX.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally complain regarding inaccurate reporting on my credit file under my rights granted by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Specifically, I am disputing the XXXX XXXX collection account that appears on my credit report under the name XXXX XXXX XXXX. 
The date of the first delinquency for this debt was XX/XX/2019 ; however the account has been repeatedly updated and re-aged, making it appear as a more recent collection. This is a direct violation of FCRA Section 605 ( c ), which clearly states that collections may only be reported for seven years from the original date of delinquency and can not be re-aged to extend their reporting period. 

Additionally, this debt has not been properly validated by XXXX XXXX XXXX. 

I have XXXX XXXX XXXX and the credit bureaus in regard tot his account and have been told that this debt has been falsely validated as accurate in its reporting and it has not been.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX account # XXXX and XXXX #, On XX/XX/XXXX, XXXX XXXX XXXX XXXXt account # XXXX, XXXX, XXXX and account # XXXX was listed on credit report. On XX/XX/XXXX XXXX XXXX  account was listed on credit report showing an active utilization of credit 93 %. Account is closed with a XXXX balance. Reporting is inaccurate. XXXX XXXX XXXX listed an account with an active utilization of 79 %. Account is closed balance is XXXX. No utilization. Reporting is inaccurate. In accordance with the above act these companies has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. are listed on credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

I have carefully reviewed my credit report in Equifax. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. 
CXXXX 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: Payday loan, title loan, or personal loan

Due to Covid shelter in place orders, I was unable to go in person to make deposit into my checking account. The personal loan installments are supposed to come out of this checking account and thats why it led to payments not being made. When I finally managed to make deposits in the account and pay the installments for the personal loan, the payment did not get credited to my account properly which I was not aware of. This has let to late payments showing up on my credit report. I am requesting to reverse the late payment reporting to my credit report.