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

To : XXXX XXXX XXXX, agents, representatives, & employees I, XXXX XXXX, a consumer, am notifying you that I dispute this alleged debt pursuant to 15 USC 1692g and 15 USC 1681 ( e ) B. I REQUEST THAT YOU PROVIDE ME VERIFICATION OF THIS ALLEGED DEBT.

VERIFICATION CONSISTS OF PROOF THAT THIS ALLEGED DEBT BELONGS TO ME, A FORMAL DECLARATION IN WHERE YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE AND MUST BE NOTARIZED. 
Since this debt is disputed pursuant to the Fair Debt Collection Practices Act, you are required to cease all collection of this alleged debt which includes reporting to my consumer report with XXXX, TRANSUNION, AND XXXX. 
I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. 
This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies. 
The original creditor is in noncompliance with the Privacy of Consumer Financial Information Rule of the XXXX XXXX XXXX XXXX for sharing my nonpublic personal information to nonaffiliated third parties and not providing me a notice that complies with section 6803 and giving me the opportunity to opt out pursuant to 15 USC 6802. This notice makes you are and you are an accomplice.

I request that you provide me the Aggravated Value Of Purchase showing how much you paid for this debt. IT IS A MATERIAL MISREPRESENTATION FOR YOU TO ATTEMPT TO COLLECT ANY AMOUNT MORE THAN WHAT YOU PAID FOR THIS DEBT WHICH IS FRAUD UPON THE COURT AND FALSE & MISLEADING. 
THIS IS A WARNING! YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF YOU DO NOT CEASE ALL COLLECTION ACTIVITIES AND REQUEST FOR THIS ACCOUNT TO BE DELETED FROM MY CONSUMER REPORT, I WILL COMMENCE A CIVIL ACTION AGAINST YOUR COMPANY, IN THE UNITED STATES DISTRICT COURT. 
Sincerely, XXXX XXXX I have requested a XXXX form showing cancellation of debt that I have not received. This company also shared my personal information with a third party repossession company without my consent which is illegal according to 15 USC 1681a-2. According to NMLS Consumer Access, this company is not licensed to collect debt in my state or state of residence.
Product: Debt collection

Company has yet to notify me in writing of any debt. I have requested and tried to dispute the debt from my credit report. They sent a letter stating I would receive documentation. 60 days later I have yet to receive anything. I am requesting paperwork of date of service, and signatures. Im
Product: Mortgage

I have a mortgage with WELLS FARGO on a condo in XXXX XXXX. My property and flood insurance was held by XXXX. XXXX decided to no longer provide cover in Florida. The cover therefore lapsed which was in XX/XX/XXXX. Apparently Wells Fargo sent reminders to that address that they may place forced coverage. I do not live permanently at that condo and the mail is forwarded. The letters were NOT received. My broker was instructed to provide new cover and did so with XXXX of XXXX XXXX  XX/XX/XXXX at a premium of {$22000.00} which was a significant increase from the previous premium. Proof was sent and acknowledged by WELLS FARGO on XX/XX/XXXX. We were NOT informed that forced cover was placed for the period of 3 months at an annual premium of {$85000.00} ( approx ), 4 times the amount of the real premium. The mortgage payments are made on auto pay and I had not looked at the statement until today XX/XX/XXXX as I have had no communication with Wells Fargo and assumed the mortgage was current, which it is with the exception that they have added an escrow to my account. I pay all property taxes and insurance myself and have done for the last 10 years and was surprised to see a monthly amount of {$2400.00}. They tell me they credited {$60000.00} back on the forced policy leaving some {$25000.00} to be repaid. That cover by Wells Fargo was with XXXX XXXX XXXX clearly an affiliate. I told Wells Fargo there must be a mistake with the exhorbitant premium but was told it was correct. I asked if a case number could be provided to escalate and resolve and was advised there is no process within WF to do this. Yet another issue constantly in the news with Wells Fargo practices and ability to make money without due regulation for the consumer.
Product: Debt collection

Old Checks were compromised and transactions were made twice to XXXX XXXX XXXX. I didnt receive notification about this until I received a called from the collections agency. I explained to them this was fraudulent activity and I will be submitting a police report. I filed a police report and submitted it to Payliance several times. This was the 6th attempt reaching out to them and no response. I have documents to support this problem.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ). 

Please remove these unverified and incomplete items listed below : 1. 15 U.S. CODE 1692e - False or misleading representations XXXX XXXX Account Number : XXXX Update to Open/Never late. 


2. there is some inaccurate information reporting XXXX Account Number : XXXX Please remove it from my credit report. 


3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Please remove it from my credit report. 


4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  XXXX Account Number : XXXX Delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Acct # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, i usually pay my bills when i receive my statements in the mail, i never received a statement for this account with my update bill
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unauthorized inquiries on my Experian report. Please see the attached FTC report.
Product: Credit card or prepaid card

On XXXX XXXX 2017 after receiving numerous robo calls for collection of past fees I asked to pay my balance in full and to close the account. I paid {$86.00} and was transferred to another dept to close the account. Two weeks later I was sent a bill for {$38.00}. After calling their customer service they said it was paid late and I owe. I stated that I was on their recorded line and I asked to pay bill in full and to close account.They said their employee was n't authorized to make that statement.I asked for a written explanation and was told they do not have to provide a written explanation.
Product: Debt collection

I was driving down the plaza in XXXX, FL and I approached a stop sign. A lady walked to my vehicle and told me that there is going to be a XXXX XXXX dollar gym being installed in the space behind her. And she asked if I would like to sign up. I told her yes only if I can pay as I go. On the opening day I showed up and looked around the front area of the gym. Never explored any other areas. My debit card was charged XXXX for something I never asked for. I told the manager at the desk that I did not authorize this charge and he told me that I made a committment to pay until XXXX. So I was lied to when the lady said I can pay as I go. I never went! And I am still not going ....
Product: Debt collection

I recently brought a prior dispute to you because I had  3 collec tions on my report that had been on there for several years and I had re-established my credit to  XXXX . Well recently they decided to re-age these debts because they were all with the same debt collection agency but, you all wrote back to them and they were removed with the exception of one I believe they have brought back now, but m y credit score has  not changed at all. It has gone now and stayed down at  XXXX . Can you tell me why my  credit score di d n't change since this collection was removed and this new credit that was added to my credit should have been removed as well.
Product: Checking or savings account

On XX/XX/XXXX, an identity theft happened to me. The attacker pretended to be me and requested an esim, which XXXX my access to my number and I was no longer able to receive an calls and texts. Then they logged into my Current ( current.com ) account, because Current only required a text to the registered number to log in, and that was my stolen number. I had {$6000.00} in my Current saving XXXX but the attacker transferred them into a spending account, and then attacker made transactions to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX but I was in XXXX ) and " XXXX XXXX '', and the fraudulent transactions totaled to be {$3500.00}. I filed a dispute and attached the identity theft report, but the dispute was declined. The attacker also made several transfers to other Current users on XX/XX/XXXX and XXXX, and it totaled to be {$2400.00}. I also disputed the transfer and got this money back. 

However, my Current account was hacked again on XX/XX/XXXX. I got an notification of a new log in that I did not recognize, and the attacker then made an {$1900.00} transaction to " XXXX XXXX ''. I disputed the transaction again but the dispute was also declined. 

In sum, there was a total of {$5500.00} in fraudulent transactions that Current declines to refund.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I have discovered that certain information is inaccurate. The following item ( XXXX ) require rectification : XXXXXXXX XXXX {$8600.00} opened XX/XX/XXXX, XXXX {$23000.00} opened XX/XX/XXXX, XXXX {$13000.00} opened XX/XX/XXXX, XXXX XXXX {$3100.00} opened XX/XX/XXXX, XXXX XXXX XXXX {$380.00} opened XX/XX/XXXX Please remove this from my report. In accordance with the Fair Credit Reporting Act, I hereby request that you investigate these items and remove them from my report. I understand that you are required to verify these items with the corresponding creditor. Should the creditor fail to provide verification, please eliminate the disputed information. Pursuant to 15 U.S.C. Sec. 1681i ( a ), I expect this reinvestigation to be completed within 30 days from the date of this letter. Please send an updated copy of my credit report to the aforementioned address. As per the act, there should be no charge for this updated report. Additionally, I kindly request that you notify any party who has received my credit report within the past six months of any corrections made. Thank you for your attention and assistance in resolving this matter.
Product: Checking or savings account

I was charged 10 overdraft fees in the span of 5 days, totaling {$350.00}. Months ago, I turned off my overdraft services with Wells Fargo because of the predatory nature of it. I had had many situations in which there was plenty of money in my account at the time of transaction. But the next day my account would be negative, with an overdraft fee being charged. 

This time around, I called Wells Fargo customer service and talked to a banker. I explained that I turned off overdraft services so those transactions should have declined, running through my card information. He stated that turning off overdraft services doesnt apply to recurring charges or bills or ACH payments, so me turning off that service wouldnt help with those. I asked if there was a way to stop it running on those recurring charges and he said no, that Wells Fargo doesnt offer a way around them. 

He submitted my 10 transactions into the checker and said he was authorized to give me a 25 % refund totaling a mere {$78.00} of the {$350.00} I was charged. This has got to stop. Wells Fargo is worth billions of dollars and is one of the worst banks.
Product: Credit reporting or other personal consumer reports

There have been multiple unauthorized inquiries on my credit report within a single day. I have duly informed TransUnion of this discrepancy. However, I am still waiting to receive a resolution. In light of this, I have attached the report filed with the Federal Trade Commission for identity theft. Please remove all unauthorized inquiries from my credit report with due haste. Thank you for your prompt attention to this matter. 

XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX  XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX  XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting act American : The following Inquires Have violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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.

ALSO THESE inquires are in itself fraudulent and not done by more nor my consent and I have not consented to the reporting in my personal name to any reporting agencies.

& 15 U.S.C. 1681-1681, imposes that responsibilities on all persons who furnish information to consumer reporting agencies ( CRAs ). These responsibilities are found in Section 623 of the FCRA, 15 U.S.C. 1681s-2. This is unauthorized by me and unlawful and I seek immediate removal. Ive requested this before and ive yet to get a response from my inquiry. This is my second time reflecting upon this matter.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, and I am addressing this complaint personally, with no third parties involved. Ive attached letters that elaborate on the errors in my credit report. The reports from Transunion, XXXX, and XXXX contain inaccurate and inconsistent information with incorrect dates.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment in XXXX of 2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit card or prepaid card

On XX/XX/XXXX I received Targeted Promition from Citi Advantage Platinum Select Credit card. It offered XXXX miles after spending {$3000.00} in 3 month as a benefit. When I received card and all the paper along with it I couldnt find the XXXX miles benefit on it. On XXXX XXXX I called customer service and raised concern. Ive been assured that I am eligible for this benefit. After spending {$3900.00} and not seeing the miles, I called customer service again and been told that because I have closed another credit card within 24 months, I am not eligible for the XXXX miles. How this Targeted Promotion was sent to me if I wasnt eligible? Citi got two sets of materials that they sending to the customers : one with full benefits and another for duped people with the short benefits. There was nothing in the application disclosing eligibility requirements. Citi is in violation of the Truth in Lending Act and should stop deceiving practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has sold my mortgage loan internally three times over the past few years. Each time they report the loan closed and up until this last time, showed an open account. 

I have contacted Experian and the XXXX XXXX  about this missing from my credit report and filed a dispute and they come back dismissing the dispute. 

XXXX and XXXX list this mortgage as active with excleeent payment history over the past 10 years. Each have a credit score of good to excellent. 

Experian does not show the mortagage and has the credit score as fair. I have a copy of the monthly statement from XXXX with a balance shown. 

If they dismiss the issue and the other credit reporting agencies show the account, what can be done to get this straight. With a fair credit score, any loan, credit card or even if we were to look at a new home, the interest rate and down payment would be much higher with this improper score. 

I have sent two disputes and included the account number to experian and they respond with closing the dispute with no change to the credit report.
Product: Credit card

I repeatedly asked for notifications so Id know when my bill was due. I never received any notifications and they kept piling on the late fees. I had no idea this was happening until my credit score went down XXXX points. I went to the website again to ask for notifications, but Ive never received any, nor have I received any responses to my emails.
Product: Checking or savings account

My checking account was hacked and {$400.00} was sent through XXXX in an unauthorized transaction. I notified Wells Fargo right away and were told that I was lucky it was only {$400.00} because people are losing thousands through XXXX scams. The bank started an investigation and sent us the attached letter saying their records indicated that I initiated the transfer but they would notify XXXX of the scam. I have never sent money through XXXX and my phone number is not authorized to do so. They have no answer for me as to why they acknowledged it was a scam, but are saying my account is not protected from fraudulent unauthorized online transactions. They also suggested that I call the persons number and ask for my money back since neither financial institution is responsible for crediting me the money back. I have tried to work this out with Wells Fargo to no avail and will be contacting our news stations investigative reports because this is happening a lot in our area and the banks are not being very helpful.
Product: Credit reporting or other personal consumer reports

I am writing to you in regards to the same issues addressed in the lawsuit have been affecting my own credit report and disputes with Experian. 

Despite my repeated efforts to dispute and correct inaccurate information on my credit report, there are still discrepancies present that have not been resolved. This is unacceptable and goes against the rights afforded to consumers under the Fair Credit Reporting Act. 

Specifically : -Experian fail to adequately convey All Relevant Information to Furnisher -Reinvestigation even when presented with information suggesting that the furnisher Unreliable. 

Accounts XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

I have become aware - through a credit reporting agency - that Mid South Adjustments out of Arkansas is trying to collect a debt, ostensibly from someone named XXXX XXXX XXXX. I don't know these people and certainly don't owe them any money.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is to inform you that I recently received a copy of my credit report that your company publishesand after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed  below.Under  the Fair Credit Reporting Act,  15 U.S.C. 1681g I have the right to demand that you disclose to me all of the docume nts that you have recorded and retained in your file at the _me of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under  Section 611 ( a ) ( 5 ) ( A ) (  i ). By publishing these inaccurate and unverified items on my credit report and distributing them to  3rd parties you  are damaging my reputation and credit worthiness.Under the FCRA  15 U.S.C. 1681i, all unv erified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.
Product: Credit card

A credit card was opened in my name at Chase bank. I never applied for a credit card and have never used Chase.
Product: Credit reporting, credit repair services, or other personal consumer reports

An inquiry from XXXX XXXX is reporting on my XXXX, XXXX and XXXX report. I have disputed this request numerous times and reached out to XXXX XXXX, nothing has been resolved. I'm requesting this inquiry deleted and removed from my account. I am not aware of this inquiry. It does not belong to me.