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

Kindly remove these fraudulent accounts from my credit report, as I did not authorize their creation and was not aware of their presence. Under USC 1681g, I request their removal within 15 days. Supporting documents are attached.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, La XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX, XXXX Debt Validation, Cease and Desist, and Request for Assignment Contract Dear Hunter Warfield, I am writing in response to your recent communication regarding an alleged debt associated with account number XXXX. 
Please consider this letter a formal request for the following : XXXX. Debt Validation : Under the Fair Debt Collection Practices Act ( FDCPA ), I request that you provide valid documentation to substantiate the existence of this debt, including but not limited to : The original creditors name, The amount of the debt, A detailed statement showing the charges and any interest applied, Proof that you have the legal right to collect on this debt. 
XXXX. Cease and Desist : Effective immediately, I request that you cease all communication with me regarding this alleged debt, whether by phone, email, or mail. Please note that this request is made pursuant to the FDCPA and applies to all future communication, unless required by law or a court order. 
XXXX. Request for Assignment Contract : If you claim to be the assignee or holder of this debt, I request a copy of the original assignment contract or agreement that grants you the authority to collect this debt. Please provide this documentation for my review. 
Please be advised that failure to provide proper validation or documentation within 30 days of receipt of this letter will result in my assumption that this debt is invalid and will be subject to dispute. Furthermore, any continued attempts to collect this debt without providing the requested documentation may result in legal action. 

Thank you for your prompt attention to this matter. I look forward to your timely response. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts 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 following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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: Debt collection

1 ) On XX/XX/22 I purchased a computer from Best Buy. 

2 ) When I got home, I changed my mind - called Best Buy - & cancelled the purchase 3 ) Best Buy told me to REFUSE DELIVERY - which I did.

- However, Best Buy continues billing me.

4 ) I do not have the Best Buy computer - I never received the Best Buy computer Please help me STOP Best Buy continued monthly billings.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB complaint to dispute the fraudulent items listed on my credit report. I recently received a copy of my credit report and was shocked to find that there are several accounts that I did not open and have no knowledge of. The accounts in question are as follows : XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX, XXXX XXXX XX/XX/2021. I can assure the Credit Bureaus that I did not open these accounts or authorize anyone else to do so on my behalf. This is a case of identity theft and I am taking steps to report this to the authorities. I understand that the Fair Credit Reporting Act requires the Credit Bureaus to conduct a reasonable investigation into any disputes, and I am confident that the Credit Bureaus will find that these accounts are fraudulent and should not be listed on my credit report. According to FCRA Section 605B ( a ), the Credit Bureaus shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

I have sent letters on XX/XX/2023 to all 3 credit agencies stating this specific collection on my credit is FALSE and is not mine. I have also have been disputing this off my credit since it just magically appeared in my credit in XXXX of 2023. I have absolutely NO knowledge of this collection. I tried calling the company who put the collection on my account their line is disconnected. And there are MULTIPLE reviews on their site stating the company is fraudulent and puts false information on people credits. I have done EVERYTHING possible to get this removed from my credit this is hurting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Product: Debt collection

SUB - I want Creditors/Banks and credit bureaus to consider my case and remove all the derogatory statuses from my credit report that got reported from XX/XX/XXXX. 

Summary - All my credit cards went to Past Due/ Charge Off/Closed/ Collection statuses for no fault of mine.I never had any derogatory marks on my credit score/history in the past but, unfortunately in the past couple months everything changed and started receiving collection notices. 
One of the company named " XXXX XXXX XXXX '' approved me a special purpose loan and promised in the agreement that they will take care of all the credit card debt I owe to the banks.As per the agreement I have to pay " XXXX XXXX '' a low fixed interest rate for all the debt I owe to creditors. ( The payment includes the total Credit Debt $ + Lower interest rate ). 
I was asked NOT TO PAY a single Penny to credit card companies from the day XXXX signed the agreement with XXXX XXXX XXXX as they are taking ownership of the debt. 
Once I signed the agreement I started paying XXXX $ + to this company every month fromXX/XX/XXXX. I did make the payments to this company for almost a year but, it never paid a single penny to the creditors. I did follow up with the company asking the status and I was always told that the debt validation is in progress and takes some time. Recently, the company was sued for fraudulent claims and promises and all the website info, contacts no longer exists. I have no clue whom to contact and how to get this resolved. 
XXXX XXXX XXXX For all this time as the company " XXXX XXXX XXXX XXXX never made any payments to the creditors, creditors started reporting it to credit bureaus and now all my accounts are in collection phase. I called the banks/creditors and tried explaining the situation but, they said they have no alternatives except the collection of the " DEBT ''. 
This made me go into financial crisis. I have no clue what to do and how to proceed. 

All this happened for no fault of mine. I want all the collection notices, derogatory marks on my credit report to be taken off. I even disputed the credit reports with all the credit bureaus but, no good happened everything was same and no changes made.
Product: Credit reporting or other personal consumer reports

Hello! Yesterday I checked my credit reports and found several unauthorized fraudulent hard inquiries from different creditors. Please help me to remove these inquiries from my credit file.
Product: Credit reporting or other personal consumer reports

My account with EXPERIAN was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EXPERIAN Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Debt collection

I received a credit alert of a collection item placed on my credit report by Action Revenue Recovery. It stated the collection item was opened on XX/XX/XXXX and was just now reported on XX/XX/XXXX. After researching the claimed debit it was for a bill with XXXX XXXX XXXX XXXX. After searching for this doctor I found an address of XXXX XXXX XXXX XXXX XXXX TX . I know that area and there has never been on office of a radiologist or a medical office in this location. Further research on XXXX shows the registered address as XXXX XXXX XXXX XXXX XXXX TX. Now this is unusual as i don't know of anyone practicing out of an Apartment or if that is even legal.
Product: Vehicle loan or lease

Account number XXXX In the later part of XXXX, I received a loan from Wells Fargo auto for a XXXX XXXXXXXX XXXX XXXX. The vehicle was purchased from XXXX auto in XXXX. 

Immediately, after obtaining the loan from Wells Fargo auto, my loan was miss handled and placed on multiple deferment programs during the height of the coronavirus pandemic. Wells Fargo Auto representatives commonly referred to these programs of deferment as the best course of option with regard to my auto loan. At times, the representatives almost pursued these deferment programs forcefully. After being placed on these deferment programs, I found out that my account with Wells Fargos auto was reporting as late or behind multiple month payments. The result was a continuous reporting to the three credit bureaus that I was behind on payments. This continuous late payment reporting caused me to never actually be able to catch up on the loan, or, get my account into current status. I called Wells Fargo Auto multiple times to get my account current and stop the reporting of negative information to the three credit bureaus. All of my calls were unsuccessful in resolving the problem. I was actually never able to convince the representatives to assist me in fixing my account so that I would stop receiving negative marks on my credit profile. 

I also called Wells Fargo Auto multiple times to have my account set up to take out automatic payments, I even called to have multiple payments taken out in one month. With all of my preemptive actions, I was never able to get that account current. This miss handling of my auto loan at Wells Fargo auto resulted in the car loan currently being in repossession. Despite multiple efforts to come to an agreement with Wells Fargo Auto about the negative reporting to my credit profile. As well as being placed forcefully on multiple different programs.
Product: Student loan

I have struggled to obtain accurate information about my loan, mainly repayment with First Mark Services. First Mark Services is servicing XXXX private loans. I received information from XXXX that my loan would no longer be serviced by them the first month after my loans came out of forbearance. My first month payment came from First Mark and was completely unaffordable. I called them immediately so see what I could do to get on a more affordable repayment plan. I was advised by a representative that I should call XXXX to see if they could restructure my loan so that I would be eligible to be enrolled in a repayment option that would work for me. When I called XXXX I was informed that it was " severely inappropriate '' that I was advised by First Mark Services to call them because they no longer had access to my loan and to essentially stop calling them. I called First Mark Services the next day to inform them of what I was told by XXXX the representative said that he did not know of any other options open to me and that I should seek a 3rd party to reconsolidate my loan. I have been paying interest on these loans since I first obtained them years ago and my credit is not that great so that option is not really an option to me. I received multiple calls in regards to my account being past due and each time I spoke to a customer service representative to see if they could find something that would help me make payments. I spoke with someone about making partial payments and they told me that it did not make sense to do that because the late fees were so heavy that I was just making payments on the late fees and not actually towards my past due amount. Yesterday I spoke with a representative who informed me that I was eligible to get on a graduated payment plan that would drastically reduce my monthly payments if I could pay the past due balance. I felt so relieved! I asked to speak to a supervisor to inform them that I was displeased with the fact that my account was now two months past due because I could not afford the high monthly payment but if I had been informed of the graduated payment plan that I would have been able to pay from the get go. The supervisor then informed me that the previous representative was misinformed and that my account was in fact NOT eligible for graduated payments. I am now back at square one. I am receiving information on my loan and repayment options that are not true and I am not receiving the assistance and customer service that I believe that I deserve. I have tried very hard to portray how important maintaining a good standing with the company and keeping up with my payments is to me and First Mark just does not seem to care. I am unsure of what my options are now. I can not afford the only option they are offering me and I am confused because I am getting information that is true and helpful one second and then nothing the next. I have informed the company of how disappointed I am with the services and they seem to care less and have not offered to assist me in anyway.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct XXXX XXXX, XXXX XXXX XXXX Acct XXXX XXXX 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.

15 U.S.C 1681c. ( a ) ( 5 ) sections states no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the persom kmows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexington Law is charging me outragious amount every month to fix incorrect information on my file. they have charged me {$1800.00} so far and only helped me very little and i have cancelled my service 3 month ago and they are still charging me money every month.
Product: Debt collection

Company contacted me repeatedly. Never left a message. When curiosity got best of me I called the company. They stated an attempt to collect a medical debt I was unaware of at that time. I contacted the medical provider, there was {$1000.00} plus discrepancy in the amount owed. I then called XXXX back asking for written proof of their legitimacy. I was told it wasn't required and they would report a failure to pay on my credit report.
Product: Checking or savings account

1. I have been banking with BOA for almost 10 years and have several accounts with the bank and have never had any issues with the accounts and have maintained an impeccable record with the bank. 
2. The bank offered me a Merrill Edge Account to earn better interest on funds held in accounts with a minimum requirement of $ XXXX to start. I had $ XXXX in BOA that was moved to Merrill Account and I wrote a check of {$100000.00} sitting in my account with XXXX XXXX  with the intent to fund Merrill Account 3. Deposited a check of {$100000.00} on XX/XX/XXXX in account ending in XXXX and was told that there was no hold on the check and it shows that on the statement. Check cleared XXXX XXXX  on XX/XX/2024 and funds were withdrawn. On XX/XX/XXXX. XXXX  a hold was placed on the {$100000.00} for 10 ( TEN ) days that is after the bank had already received the funds. 
4. Called the bank on XX/XX/XXXX to find out why there was a hold on the account and was connected to the fraud department and the lies XXXX XXXX XXXX  that I heard from three of these folks was totally astounding. XXXX the supposed manager totally lied and said that the bank had not received the money and they are still in the process of verifying the check when the funds left the other bank on XX/XX/XXXX than BOA should have the money by XX/XX/XXXX. XXXX  and that is how ACH works. I can understand a hold of 24 to 36 hours not ten days. 

After banking with BOA for so many years I have a pretty bad taste and now instead of investing with BOA or Merrill I will be taking my business to an establishment that welcomes my business not treat me like an outcast which BOA did.
Product: Credit reporting or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Product: Debt collection

Non-receipt of Debt Information : I did not receive any notification from [ Creditor/Debt Collector 's Name ] regarding this debt. According to the Fair Debt Collection Practices Act ( FDCPA ), I should have been provided with written notice detailing the amount of the debt, the name of the creditor, and my rights to dispute the debt within five days of their initial communication. This notice was never provided to me.

Lack of Knowledge of Dispute Rights : I was unaware of my right to dispute this debt. As per the FDCPA, I should have been informed that I have the right to dispute the validity of the debt within 30 days from receiving the initial notice. Since I did not receive such a notice, I was not aware of my rights to dispute. 

Absence of Dispute Rights Notification : The creditor/debt collector failed to provide me with a notice of my dispute rights. This omission is a violation of the FDCPA, which mandates that consumers must be informed of their right to request validation of the debt and dispute it if necessary.
Product: Credit card

I booked a roundtrip flight to XXXX on XX/XX/XXXX. The ticket says clearly that there is no baggage charge on the return flight. Yet on XX/XX/XXXX the agent insisted I pay for a charge to get my bag back to the US. Being in a foreign country and using my United card with which I booked the ticket with United, I thought my Chase United card would have my back. I called United and Chase who both agreed the charge was fraudulent. When, after a few days Chase didn't remove the charge, they suggested reaching out to XXXX XXXX. XXXX XXXX mentioned my card terms ( which require free bags on XXXX flights ) but didn't address my ticket clearly stating no bag charge was permitted. By either token, given the XXXX designation and the clearly stated ticket free of a charge, Chase had an obligation to prevent the charge. I filed a dispute with Chase who initially agreed but then XXXX XXXX disputed the charge and they are siding with them. 

This is a textbook fraud. It is like buying 10 XXXX  from XXXX XXXX for {$10.00} and XXXX XXXX seizing the order and demanding {$20.00} to hand it to you.
Product: Student loan

I have attempted over the last year to come up with a payment plan that I can afford for my private student loans with navient to no avail. Earlier in XX/XX/XXXX they were harassing me with multiple phone calls daily and when I had gotten in touch with them they would suggest a monthly payment that I couldn't possibly afford resulting in a delinquent account. I'd be quoted a monthly repayment one day and 2 days later it would be something totally different. This went on for months. In XX/XX/XXXX we finally agreed to {$230.00} monthly payment which I have been struggling but nevertheless making. I'm now told that my payment will increase beginning in XX/XX/XXXX. I have called them and they are unwilling to work with me on a plan that I can afford. They seem to have a nonchalant attitude. I want it to be clear that I'm not shying away from the responsibility of my private loans. I do have Federal loans which is also in repayment based on my income. But their customer service is at best poor and they way I've been treated is atrocious. Not certain if they treat all their customers the same way or just those with immigrant names.
Product: Debt collection

XXXX. That is the cfpb complaint from the first time. It was removed and now its back with a new company three years later. I haven't had XXXX  service since 2013. This is crazy.