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

This is considered a RE : Investigation and not a duplicate complaint for the same issues. I have included updated informaion ; and also advised of failures that are still affecting current consumer report. CFPB during complaint # XXXX was advised by company that the company Fair Collections & Outsourcing was placed on account by XXXX / XXXXXXXX XXXX XXXX XXXX retained ownership ; where are the documents and validation that I asked for in complaint that prove where ownership is, they advised that documents were mailed and received by me. I ask that the evidence of this be presented and put forth for validation of these actions. If they are unable to prove that this has transpired they must per Regulation F delete this account immediately for failure to follow proper FDCPA, and FCRA procedures. Also they are continuing to report inaccurate, incomplete, inconsistent, incorrect information on my personal private reports, and files.

CFR 12 1006.34 advises 1006.34 Notice for validation of debts. Regulation F 1006.34 ( b ) ( 1 ) ( a ) Validation information required. ( 1 ) In general. Except as provided in paragraph ( a ) ( 2 ) of this section, a debt collector must provide a consumer with the validation information required by paragraph ( c ) of this section either : Official interpretation of 34 ( a ) ( 1 ) In general. ( i ) By sending the consumer a validation notice in the manner required by 1006.42 : ( A ) In the initial communication, as defined in paragraph ( b ) ( 2 ) of this section; or ( B ) Within five days of that initial communication; or ( ii ) By providing the validation information orally in the initial communication. ( 2 ) Exception. A debt collector who otherwise would be required to send a validation notice pursuant to paragraph ( a ) ( 1 ) ( i ) ( B ) of this section is not required to do so if the consumer has paid the debt prior to the time that paragraph ( a ) ( 1 ) ( i ) ( B ) of this section would require the validation notice to be sent. ( b ) Definitions. For purposes of this section : ( 1 ) Clear and conspicuous means readily understandable. In the case of written and electronic disclosures, the location and type size also must be readily noticeable and legible to consumers, although no minimum type size is mandated. In the case of oral disclosures, the disclosures also must be given at a volume and speed sufficient for the consumer to hear and comprehend them. ( 2 ) Initial communication means the first time that, in connection with the collection of a debt, a debt collector conveys information, directly or indirectly, regarding the debt to the consumer, other than a communication in the form of a formal pleading in a civil action, or any form or notice that does not relate to the collection of the debt and is expressly required by : I received none of the required documents, information or disclosures required prior to reporting the inaccurate, incomplete, unvalidated data reporting. They must delete this data immediately.
Product: Checking or savings account

I had filed a dispute for two instant withdrawal charges because they were not made by me i reported it as fraud it is still under review for XXXX . After this the company had locked my account they still have yet to remove the card number for the instant withdrawal which i have told them does not belong to me. This has been goin on since XX/XX/XXXX i have done everything they asked to verify my identity multiple times. Either way the rest of the money not disputed is locked and is my entire tax refund they locked my checking and savings i can not add my bank for transfer and they havent removed that card. I have contacted they through email phone and chat with no solution besides there hire up team is investigating I dont even know who there higher up team is and they give me no explication this has been going on a month now i would appreciate if someone can please help me.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint and demand action against Nordstrom Credit Card regarding fraudulent activity and inaccurate reporting that has severely impacted my financial reputation. 

My Nordstrom Credit Card was used without my permission, despite my belief that the card had a XXXX balance. I did not receive any statements from XXXX until I was notified by credit bureaus that XXXX had reported a late payment on my credit report. This unauthorized use of my card resulted in significant consequences : XXXX. XXXX opened a claim and refunded the fraudulent amount. However, they failed to refund the associated late fee, which was a direct result of the fraudulent activity. 

XXXX. Despite acknowledging the fraudulent nature of the transaction, XXXX has continued to report the account as late on my credit reports. This inaccurate reporting has led to a reduction in my credit limit with XXXX and the closure of more than XXXX credit cards by other financial institutions, as well as reductions in credit limits across various accounts. 

These actions by XXXX have had a severe and unjustified impact on my financial standing and reputation.
Product: Checking or savings account

I have Capital One checking, I always get my direct deposit early on XXXX  morning, it is now XXXX XXXX, I have not received my direct deposit paycheck. I have bills that are due and I need to buy groceries for the family. They are sorry for the inconvenience. They are not saying if I should even expect a direct deposit this weekend. XXXX  is a holiday. I have no idea when or if I will receive my direct deposit. This is affecting all of their customers, not just me. Do not trust Capital One with your direct deposit.
Product: Credit card or prepaid card

I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report. 

I see incorrect & inaccurate late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Product: Credit card or prepaid card

In XXXX, I applied for a store credit Wells Fargo card and was approved for a {$12000.00} credit line. I paid every payment on time, but received a notice that my account would be closed in XXXX, which damaged my credit. My credit has yet to recover from the credit line being closed abruptly without cause. I reached out to Wells Fargo about the matter to only find out that weren't offering this line of credit any longer.
Product: Mortgage

Hello, I want to file a compliant about Bank of America, I have been had problems with this organization for years. I could go on and on, but for now I want to submit a complaint about my current issue. In XXXX XXXX the renters I got to cover my mortgage payments up and left with over {$3000.00} dollars in damage and unpaid back rent. I was forced to leave my home in XXXX XXXX because my Husband killed himself there and my children were diagnosed XXXX and had been given medical advice to leave the home, we had to move! BOA was notified of this and would not work with me to lower payment or even return my calls. I was able to rent the home until XXXX XXXX. At this point I contact BOA and told reminded them I could not return to the home and the mortgage was to high to find renters to pay it. Again, had very little response. In XXXX after repeated phone calls and getting the run around I was finally contact and told to submit documentation for a modification. I had to submit and re-submitted 3 times, same documents and got not resolution. They in XXXX XXXX may case was set to some contractor, not BOA, who again asked for same documentation and finally denied my modification and told me I would n't qualify because I can live in the property. Ugh!! why did n't I get that information originally BOA knew all along I could not live in the property! Then I applied for short sale approval and got sent to another contractor of BOA and they did nothing accept call each couple of weeks asking if I had questions. Again I kept voicing my complaints and getting no answers. Finally in XXXX XXXX someone for BOA took over my case and I was told everything would be resolved in a month and now we are entering XXXX XXXX still no resolution or update on progress. I have submitted all my documentation and tried countless times to come to a resolution in the mean time my credit is getting ruined and this nightmare situation continues because know XXXX at this company can do their job or come up with a solution for my situation. I have filed complaints with better business bureau and everyone say " Oh Bank of America, Sorry but we ca n't do anything but log your complaints '' I am so frustrated and do not have the money to sue this company for all of the problems they have caused me, but I wish someone would help me resolve my situation. It is destroying me financially and mentally!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint for because XXXX has ignored my request to provide me with the proper documents that their company has on file and they are saying that they verified accounts but its been over 30 days and they still have n't sent me the correct information. I sent out proof that I traded in a car on XXXX and they are still showing a missed payment for XXXX causing damage to my credit. I 've made several attempts to resolve this issue but they continue to send me the incorrect proof of verification. XXXX  confirmation # XXXX, Transunion file case # XXXX, and XXXX confirmation # XXXX Under section XXXX XXXX XXXX ) ( A ) of the FCRA-they are required to promptly delete all information which can not be verified that I have disputed.
Product: Checking or savings account

We discovered that money was withdrawn from our account during the spring of 2023. This was from XXXX to XXXX. We decided to monitor the account to confirm our suspicion and just recently we discovered XXXX that monies were taken from our account again. 

We went to our local branchs office to speak with the XXXX about what we discovered was happening. After combing through our records and the banks with the XXXX ; we discovered that in truth there was less monies in the bank than was in our records. 

We requested an investigation and was given the phone number to contact the banks fraud department. Upon calling we were told ; because there were no transactions verifying the wrongful withdrawal of funds from the checking account, the bank could do nothing to assist us. We need to have our funds return to the account and truly need to put a stop to the theft of ours and other customers funds who might be experiencing the same problem.
Product: Credit card or prepaid card

On XX/XX/XXXX made a XXXX payment to Frontier/Barclay Credit Card Account it was posted by Frontier on XX/XX/XXXX. I received a letter on XX/XX/XXXX stating that my XXXX payment was posted incorrectly to my account and transferred from my account to someone else 's. I have proof of payment from my bank of all payment for XXXX, XXXX and XXXX. They refuse to return that payment after four phone conversations. I want to file a complaint against them after reviewing the account they said it would take two months to look into the matter. That is ridiculous. They should return my money then if they want to look into it they can and write a letter showing proof that the XX/XX/XXXX payment was not mine, because I have proof it is mine. Frontier Account number ending in XXXX. Frontier Ref Case #  XXXX / XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, TRANSUNION, AND XXXX HAS XXXX XXXX XXXX ON MY ACCOUNT FOR XXXX DOLLARS NOW I CAN'T MOVE I WANT TO SUE ALL OF THEM THEY ALSO HAVE XXXX XXXX REPORTING LATE PAYMENTS WHICH VIOLATES MY CONSUMER RIGHTS. I DEMAND MY CREDIT REPOT BE UPDATED ALL OLD INFO OF NAMES AND ADDRESSES BE TAKEN OFF IMMIEDIATELY. XXXX ALWAYS KEEP OLD INFO ON CREDIT REPORT AND THE DISPUTE PROCESS IS ALWAYS IN FAVOR OF THE COLLECTION.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit reports from Equifax, XXXX, and XXXX I have seen that my remaining balance on my auto loan is reporting inaccurately. As of XX/XX/, the remaining balance of my auto loan reported on all three of my credit reports is {$20000.00}. I am disputing the inaccuracy of my remaining balance.
Product: Credit reporting or other personal consumer reports

Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ) and 609 ( 15 U.S.C. 1681g ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( 15 U.S.C. 1692g ), I am writing to dispute the following collection account that appears on my recent credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

Every time I think I am finished paying off cima leasing they keep Adding More money to my Bill Im never finished paying off I bought my Prescription Glasses from XXXXXXXX XXXX XXXXXXXX the cima is doing the leasing loan now I am paying double for the Glasses I Purchased for {$1200.00} Acima is overcharging me they keep putting in my Account that is a New Purchase I bought the Glasses in XXXX of XXXX  and they are putting on my Account that is a Rent that I am Paying I do not understand Acima need to be investigated for overcharging their Customers
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate blocking and deletion of unauthorized accounts and inquiries that have appeared on my credit report due to a recent data breach in which I was a victim of identity theft. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have fraudulent accounts and inquiries removed to protect my credit and personal information. The specific accounts and inquiries are listed below : Accounts : XXXX  XXXX - XXXX - XX/XX/XXXX - {$710.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$530.00} XXXX  - XXXX - XX/XX/XXXX - {$530.00} XXXX XXXX XXXX  - XXXX XXXX XX/XX/XXXX XXXX {$8900.00} XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX {$740.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$170.00} UNAUTHORIZED MEDICAL BILL - XXXX - XX/XX/XXXX - {$1400.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$850.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXXXXXX 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 XXXXXXXX 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

This is my final demand to urgently address the inaccurate reporting of the following collection accounts that remain on my credit report, despite their settlement and resolution : Collection Agency : XXXX XXXX ( Original Creditor : XXXX ) Account Number : XXXX Collection Agency : XXXX XXXXXXXX ( Original Creditor : XXXX IN ) Account Number : XXXX
Product: Debt collection

They sent a wage garnishment to my job without properly informing me that I have court. When I called to set up a payment plan the woman was very rude and said that I should quit my job. Since I have set up a payment plan they have been very rude. They made me go out and purchase a card since they do not accept american express. This was a very difficult task and cost me extra money. They have never tired to contact me via phone nor email before moving forward legally.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted these bureaus on XX/XX/2021 & XX/XX/2021 and have not heard anything from any of them. They are blantaly ignoring me and its causing me distress. They are violating federal laws and my consumer rights! 
FCRA 15 USC 1681 states the consumer reports can NOT include any of the following 1. Credit transactions arising from my credit card. ( My credit card is my social security card according to 15 USC 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be EXCLUDED from a consumer report. The definition of a credit card under 15 USC 1681 means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Notice CONGRESS said ANY card, The credit card is my social security card. I used this credit card to originate every consumer credit transaction listed below.

2. Any factual information Any credit transaction between you and the consumer and them in person.

Due to the fact that you have this information on my consumer report you owe me money pursuant to 15 USC 1681n.

I demand that all of the accounts listed below be deleted from my report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41.

I am the consumer and I have a right to privacy. Selling and sharing of my information without my written consent is identity theft.

You cant furnish factual information. You cant furnish anything that is a result of a transaction that arose from the credit card.

Pursuant to 15 USC 1681 ( a ) ( 3 ) Consumer reporting agencies which is you ASSUMED this role and it was not given to you!

Pursuant to 15 USC 1681b ( 2 ) you have to have my written instruction to even furnish the report in the first place. Did I give you permission? NO I DID NOT! So you are in violation again.

If I did give you permission to furnish the report, have the senior executive create an affidavit to me. Have it notarized by senior executive saying I granted you permission to furnish the report.

I DEMAND YOU DELETE ALL THE ACCOUNTS LISTED BELOW PURSUANT TO 1681B BECAUSE I DIDNT GIVE YOU PERMISSION TO FURNISH THE REPORTS!!
Product: Credit reporting, credit repair services, or other personal consumer reports

InXX/XX/XXXX the property was purchased for $ XXXX and in XX/XX/XXXX a $ XXXX HELOC was taken out. As you already know, the original purchase was financed by two simultaneous mortgages for $ XXXX and $ XXXX totaling $ XXXX, but when the $ XXXX and $ XXXX were consolidated ( see Exhibit 1 ), evidently the $ XXXX was confused with the HELOC and left off ( see Exhibit 2, page 11 of title report ). Also, among other errors, $ XXXX in closing costs was apparently mistakenly entered as $ XXXX ( see Exhibits 1-4 ). If you resolve this soon we wo n't sue you. A sale of the property is collapsing, as we have previously told you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX Sent letter and called telephonically to have this information removed and no action has been taken.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple certified mail letters to Transunion 's dispute address, and they all keep getting sent back, here is my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is in connection with Wells Fargo Dealer SVC reporting fraudulent information on my credit report and XXXX failing to investigate this matter. Wells Fargo Dealer SVC has sent me all the paperwork in connection with this fraudulent account. There is no form amongst this paperwork disclosing the opportunity to Opt Out. This alleged account is in connection to a car purchase transaction. According 15 USC 6802, there should have been a disclosure with the option to Opt Out. A financial institution such as Wells Fargo can not disclose nonpublic personal information without first providing a consumer notice that complies with 15 USC 6802. I never received this Opt Out notice. I can tell you if I ever had the opportunity to fill out this document I would have because this company has been a nightmare to communicate with. I have lost wages due to this illegal activity and been denied credit. Wells Fargo is currently committing aggravated identity fraud as defined in 18 USC 1028A. XXXX is reporting this fraudulent account on my credit report despite multiple attempts to dispute the legality if this account being there. Both companies are committing aggravated identity fraud against me. 

The Account : WELLS FARGO AUTO Account Number : XXXX
Product: Debt collection

On XX/XX/XXXX, I created a XXXX credit score account. Upon reviewing my XXXX credit report, I saw a debt that I did not recognize, allegedly due to " Central States Recovery, Inc. '' I reviewed the debt and have no reason to believe that I owe it. I never received written notification or any other communication from Central States Recovery about this debt before seeing it on my credit report. None of my family members have been contacted by phone, mail ( my home of record ), email, or otherwise. I have no reason to believe that they ever sent me the required written notification of this alleged debt. I called Central States Recovery on XXXX XX/XX/XXXX after submitting a dispute with XXXX, and the woman I spoke to said that she could not give me any information about the debt. I asked several times for her to please give me any information at all, all to no avail. I asked to speak to someone else, and she told me that I could not do that. I asked to speak to the legal department, and she said that they do not take phone calls. I asked if I could make an appointment with them, and she said they would not be available until XX/XX/XXXX. She refused to cooperate with any of my requests for information, and when I continued to politely ask why I was being denied information, she hung up on me. I have sent a written dispute and request for verification of the debt via certified mail with return receipt requested.
Product: Checking or savings account

Wells fargo closed my checking account due to XXXX XXXX falsely accusing me of harassing her. Wells fargo keeps saying that they have the right to close my account. I really don't care. They are missing my point altogether. They weren't exercising their right to close my account until XXXX XXXX falsely accused me after I got my new checking account open on XX/XX/2015, it was all set up by XXXX XXXX and the employees located at the XXXX XXXX location in XXXX XXXX. It started when I couldn't log into my account on XX/XX/2015. I called wells fargo and they told me my account had been compromised. It was compromised by XXXX XXXX and who else was tempering with my checking account & snooping in it. It took me a week to open my new checking account. It was all a setup because I never saw XXXX XXXX in the bank during that 1st week until the very last day I had it open. She purposely put her self at the bank that day to falsely accuse me she had those employees tell her my wear about so she could be at the bank. She was doing everything she can to ruin my life. She tried to have me arrested but the police didn't do anything but looked confused, about there is nothing going on here. But XXXX XXXX then complained to dane chambers about falsely accusing me of harassing her. He send me a very hostile and threatening letter telling me, that wells fargo was exercising their rights to close my accounts & he told me I better not go into the wells fargo that XXXX XXXX was at & for me not to enter any wells fargo. XXXX XXXX got her way about getting rid of me so did the employees at that branch. But XXXX was getting them involved they were the ones committing crimes against me