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

account Number : XXXX To Whom It May Concern, Creditor : XXXX XXXX I am filing a complaint regarding an auto loan closed account ( Account XXXX XXXX  ) that Experian is inaccurately reporting, violating the Fair Credit Reporting Act ( FCRA ). The following issues need immediate attention : High Balance Discrepancy : Experian reports the high balance as {$15000.00}, which conflicts with other agencies reporting Violation : 15 U.S.C. 1681e ( b ) Failure to ensure maximum accuracy.

Date of Last Activity : Experian lists the Date of Last Activity as XX/XX/XXXX, which is inconsistent with the other agencies reporting Violation : 15 U.S.C. 1681c ( a ) Inconsistent reporting of critical dates impacts delinquency timelines.

Closed Date Missing : Experian has failed to report a Closed Date for this account Violation : 15 U.S.C. 1681e ( b ) Incomplete reporting of account details. 
Future-Dated Report : Experians reporting date of XX/XX/XXXX is impossible. 

Violation : 15 U.S.C. 1681e ( b ) Failure to ensure reasonable procedures to report accurate and timely information.

Creditor Type Error : Experian lists the creditor type as Personal Loan Companies, which is inaccurate for an auto loan.
Product: Debt collection

I have sent a letter to WILLIAMS & FUDGE INC in XXXX requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. To date I have not received a response. This collection account is negatively impacting my credit that I am trying extremely hard to upkeep for my future and my children. 
The company responded here via a cfpb complaint attaching copies of bill statements that do not validate the debt, in addition they have not placed a notice of dispute on my credit report account.
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 USC 1681. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or list of inquiries 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 ) Section 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 person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I dont know whats going on, but when I checked my credit report this morning, I saw inaccurate accounts listed there. Im shocked because I check my credit report regularly, and Ive never seen these discrepancies before. I even tried refreshing the browser to see if it was a technical issue, but nothing changed. Please, Im desperate for someone to carefully examine the documents Ive submitted so I can stop feeling this helpless.
Product: Credit reporting or other personal consumer reports

Letter to Remove Inaccurate Credit Information I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report. These account are out of the statue of limitation which mean by law they need to come off my credit report : 1. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report. 



Based on my reading I know by law inquiry are only allow to stay on your credit report for 2 years from the day the inquiry was pulled. Which means that all the above accounts need to be removed. I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back to me within 30 days. 



I am also requesting that you send me an updated credit report once your investigation is complete you can send the copy to XXXX XXXX XXXX XXXX, South Carolina XXXX Thank you, XXXX XXXX
Product: Credit card

I paid my Avant card off as off XXXX. Recieved a bill afterwards on the regular statement date of the XXXX of the month for {$12.00} for interest on XXXX due by XXXX. Sent check for said amount on XXXX. They told me they received the check 13 days later on XXXX. They processed my check and my bank paid it on the XXXX. As of today the payment is still pending, I've received a late fee, and they tell me it will be another 14 days to be applied thus causing another late fee. So in this instance they tell me it took 13 days to receive the check and so far more than 18 days for it to be applied to my account. With their intentional delays ( total of 31 days and counting ) they are trying to make people that have paid their accounts off into a permanent payer.
Product: Credit card

I saw a {$630.00} on my wells Fargo visa card XXXX 2016 the company called USA seats is a company that sells tickets to different events, I 'm XXXX years old XXXX kids XXXX is a toddler and my wife is not working, Called the company and they said that the purchase was made by a third party and unfortunately there is nothing they can do. Call Wells Fargo and open a claim, after a week I see the money charged again in my credit card call again that night and the phone was hung on me 3 times, I call next day and the person on the phone told me my claim was denied because the company had all my info on file like my address ... really??? There is so many ways fraudster can have access to that. I been with this bank so many years, had loans that are been correctly pay off with them, had accounts always in good standing even a minors account. Always paid on time and my direct deposit is decent and the amount of money I have there is enough to tell them that I do n't need to do that. The ticket the fraudster bought was for XXXX XXXX in a Saturday on a casino that crazy, if anybody check my credit cards over the years and my statements will rapidly understand I never did such a purchase specially now.
Product: Credit card

Unable to make payments for the past week, it says account services unavailable, to try again later. I called them 2x to complain.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX {$180.00} XXXX XXXX XXXX {$360.00} No valid claims ... accounts were settled with original creditors Grave errorsfalse claim and reportingI want these accounts removed or corrected immediately or litigation may follow. Debts can not be collected twice or reported in errorthis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from XXXX XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.
Product: Credit reporting or other personal consumer reports

When it comes to these agencies theyll reporting different inaccurate information I got a email about a breach that people now have my information which is now effecting my credit report. 
Experian XXXX  and trasunion are all report wrong information
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I write to you with grave concern regarding potential violations of consumer rights and unlawful debt collection practices perpetrated by the Collection Company. It has come to my attention that the Collection Company has engaged in unauthorized and unverified collection activities, resulting in unwarranted negative entries on my credit report, thereby impugning my financial integrity and reputation. 

The actions undertaken by the Collection Company raise serious questions regarding compliance with federal laws, including the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), both of which are designed to protect consumers from abusive debt collection practices and ensure the accuracy and integrity of credit reporting. 

Specifically, the Collection Company has failed to provide substantiation or validation for the purported debts it alleges I owe. Despite repeated requests for documentation supporting the validity of these debts, the Collection Company has demonstrated a lack of transparency and accountability, in clear contravention of the mandates outlined in the FDCPA. 

Furthermore, I am deeply troubled by the manner in which the Collection Company has obtained and utilized my personal information without lawful authorization. The dissemination of derogatory and unsubstantiated credit reporting entries without proper validation not only violates the FCRA but also compromises fundamental principles of consumer privacy and data protection. 

It is imperative that the Collection Company be held accountable for its actions and be required to furnish irrefutable evidence substantiating its legal authority to collect debts purportedly owed by me. This necessitates the provision of a bona fide collection contract or agreement, authenticated by both parties and compliant with legal requirements for the assignment of debt collection rights. 

Moreover, I categorically refute any assertion of indebtedness to the Collection Company, as I have neither entered into contractual obligations nor consented to remit funds to this entity. The absence of a lawful agreement or valid authorization renders any claims of indebtedness spurious and devoid of legal merit. 

In light of the foregoing, I urge the Consumer Financial Protection Bureau to initiate a thorough investigation into the Collection Company 's practices. XXXX and decisive action is necessary to safeguard consumer rights, rectify the injurious consequences of unlawful debt collection practices, and ensure compliance with federal laws. 

I am prepared to provide any additional information or documentation necessary to facilitate a comprehensive investigation into this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is about the following accounts : XXXX XXXX XXXXXXXX : # XXXX, which you claim, I owe [ {$2400.00} or my account was charged off {$2400.00} ], XXXX XXXX XXXXXXXX : # XXXX, which you claim, I owe [ {$4200.00} or my account was charged off {$4200.00} ]. XXXX : # XXXX, which you claim, I owe [ {$0.00} or my account was charged off {$0.00} ]. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection practices Act and the Fair Credit Reporting Act, along with corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, TransUnion and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of FCRA & FDCPA ; therefore if you can not validate the debt, you must request that credit reporting agencies delete the entry. 

Pending to the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond withing 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum {$1000.00} in damages per violation for :. Defamation. Negligent Enablement of Identity Fraud. Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ). Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ). 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 











Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 


P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

My complaint is that I made a transaction from my bank to my landlord bank through a system used by the bank called sure pay, which is Wells Fargo to XXXX XXXX. However, this is where my problems began because the landlord claims that he never received the money and he also showed me proof that he never received the money. I made three claims to Wells Fargo Bank in order to retrieve my money back ; but it was not successful. Also, I am on a fix income and losing that amount of money has put a hardship on my finance. This is the reason why I am seeking help from CFPB at this point.
Product: Checking or savings account

1 ) Transunion 2 ) Experian Several months ago, I signed up for a free trial with both these firms which if cancelled in allotted time, billing would not occur going forward. In both situations I cancelled within 1 day, however both of these firs are debiting my account on a monthly basis, each for around {$25.00}. I have contacted them 4 times, telling them this was authorized and revoking any so called agreement that my account would be charged. Neither of them ever replied and the monthly deductions keep occurring. I have considered closing my debit card so that they would no longer have access. This would be a significant disruption, so Im reaching out to you for help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey, I was taking advantage due to malpractice while several laws were broken, under the FCRA under your company. This has cause me financial injuries and this has cause me definition of character. I can't get a job and I can't apply for credit. And I can't not get and XXXX loan and due to the pandemic crisis, and your company has hurt me to Uptain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the information with Equifax over 30 days ago. I also disputed with XXXX and the information was not able to be verified and was removed and update. Equifax fail to do the same. I am attaching my XXXX report. Please have Equifax to update the records to reflect the accurate information that XXXX has within 30 days.
Product: Checking or savings account

I opened a new checking account with Bank of America about six months ago. I did not setup direct deposit with them at that time. I have few reoccurring monthly transactions that would be charged on my debit card. When I didn't have direct deposit, the charges would just decline no overdraft fee and then when I made a deposit and the merchant would run the charge again then it would process. Now that I have direct deposit setup and a merchant would request a reoccurring monthly charge, Bank of America pays it but charges me a fee. I did not opt-in to be charge for overdraft fees!!!! They charge me over {$140.00} overdraft fees for non- ACH transactions!!!! I have called and complaint to them on several occasions. Please help! I can't be alone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report in XXXX of XXXX. I began my disputes since XX/XX/XXXX. I have sent several FTC letters to this company along with a police report complaint # indicating that my identity had been compromised & that they were reporting fraudulent accounts on my report, affecting my credit worthiness and negatively impacting my life. Along with these reports I have provided written letters to this company several times to which I have the tracking numbers too, letting them know of ALL of the many consumer laws they were breaking. They have ignored my concerns and continue to lie over the phone stating that they haven't received any of my letters. Prior to this another supervisor told me my documents were received but not validated. When asked to explain how legal documents were not validated, he suggested sending them again, costing me extra funds. Below I have attached the letters sent to this company time and time again. This is a privately owned company acting outside the laws. I HAVE SPOKEN TO XXXX AT XXXX ON XX/XX/XXXX AND I HAVE RECORD OF SPEAKING TO XXXX XXXX AT TRANSUNION WHO CLAIMS TO BE A SUPERVISOR ON XXXX XXXX. 


HERE ARE SOME OF THE SEVERAL LAWS THEY HAVE BROKEN : According to 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, aconsumer reporting agencyshall block the reporting of any information in thefileof aconsumerthat theconsumeridentifies as information that resulted from an allegedidentity theft, not later than 4 business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of theconsumer ; ( XXXX ) a copy of anidentity theft report ; ( XXXX ) the identification of such information by theconsumer ; and ( XXXX ) a statement by theconsumerthat the information is not information relating to any transaction by theconsumer.

Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D
Product: Credit card or prepaid card

I fi  led a complaint with your office a couple of months ago regarding a late fee assessed by Chase on my credit card. Specifically, they applied a payment that should have been for the new billing cycle to the previous billing cycle. I called and complained, so they removed the late fee from the account and I followed up by filing a complaint with your office due to how they improperly billed the account.
Since then, even though the late fee was removed, they have bille  d interest twice on the late payment. My first balance subject to interest is on  XXXX , so I should not receive any interest on balance transfers and have never made a purchase on the account. So it is clear they are billing interest based on a late fee that was removed. I am including statements for your records to show the interest billed.
Product: Credit reporting or other personal consumer reports

I am formally disputing and requesting the correction of inaccurate data on my credit report regarding late payments. It is crucial that this account is corrected to accurately reflect the payments and that any erroneous information is rectified promptly. In cases where delinquency is reported, I insist that the payment date be appropriately reflected to cover the delinquent period. Any reported late payment was rectified by making a payment within a reasonable time-frame. Therefore, I expect the credit report to accurately represent the payments made, without any indication of missed or late payments. I have diligently met my financial obligations, and it is essential that my credit report reflects this accurately. The inaccurate reporting of late payments is not only misleading but also damaging to my creditworthiness. 

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

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

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

I recently pulled my annual credit report to review after applying for new products issued by my bank. 

I discovered that my credit was pulled XXXX different times on XX/XX/2023, which resulted in XXXX hard inquiries showing on my report. 

To the best of my knowledge, there was never meant to be that a hard pull taken place while i was exploring the products. I was concerned to learn my report is showing my credit was pulled without my consent. The companies are listed in XXXX as XXXX XXXX XXXX XXXX wf crd svc, and in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). They pulled my score under false pretenses using deceptive practices, which is a violation of my rights, as outlined in title 15 of the US Code, chapter XXXX, subchapter v, XXXX.