23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Bureau Disputes XXXX XXXX XXXX XXXX XXXX, TX XXXX Dear Sir/Madam, I am writing to dispute the presence of a vehicle charge-off on my credit report, account number XXXX, which I believe is inaccurately reported by XXXX XXXX XXXX. 

On XX/XX/XXXX, I received a notice from NCB Management Services regarding the debt associated with the above-mentioned account. Subsequently, I made a payment to NCB Management Services in the amount of {$1500.00} to settle the debt in full, as per our agreement. This payment was made on XX/XX/XXXX and cleared on XX/XX/XXXX Despite settling the debt with NCB Management Services, I recently discovered that XXXX XXXX XXXX has reported the account as a charge-off on my credit report. This inaccurate reporting is damaging my credit score and causing me financial harm.

According to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies and creditors are required to report accurate and up-to-date information. As such, XXXX XXXX XXXX 's failure to update my credit report to reflect the paid status of the account constitutes a violation of the FCRA. 

Furthermore, the Fair Debt Collection Practices Act ( FDCPA ) prohibits debt collectors from engaging in unfair or deceptive practices, including misrepresenting the character, amount, or legal status of a debt. By failing to update my credit report after receiving payment, XXXX XXXX XXXX XXXX be in violation of the FDCPA. 

I am hereby requesting that XXXX XXXX XXXX promptly update my credit report to reflect the paid status of the account and remove the charge-off designation. Failure to do so within [ number of days ] days from the date of this letter will result in further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal recourse. 

Thank you for your prompt attention to this matter. I expect a timely resolution to this dispute. 

Sincerely, XXXX XXXX Name : XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX. 
Acct # : XXXX XXXX XXXX : NCB XXXX XXXX XXXX XXXX. 
NCB File # : XXXX Balance : {$3600.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX  XXXX # XXXX, XXXX XXXX  XXXX XXXX # XXXX, XXXX XXXX " In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 6 0 2 states I have the right to privacy ( 15 USC 1681 section 6 0 4 a section 2 ). It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 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 reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXXXXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX Balance : {$500.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXXXXXX XXXX Balance : {$500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card

Under FCRA 605B, we're obliged to expunge any incorrect entries from my credit profile. Would you mind verifying the documents? Several of the listed entries are inaccurate regarding their reporting. Compensation of {$1000.00} is due for each erroneous reporting on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX account listed on my credit report has been cancelled. The bank issued a XXXX and the account has been filed as earned income. Since the account has been filed with the XXXX the account status is now earned income. INCOME IS NOT REPORTED ON CREDIT PROFILE. PLEASE DELETE IMMEDIATELY. 

This is a violation of XXXX XXXX XXXX XXXX - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

If account is not DELETED IMMEDIATELY I will take legal action to for negligent or willful noncompliance with the law. 


I AM NOT A CREDIT REPAIR COMPANY
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter into Experian letting them know that several accounts that was reporting did not belong to me and also a address they have reporting on my credit, i never once lived there, the address is XXXX  XXXX XXXX XXXX. I asked that accounts ( which im bouts to list below ) to be removed and they still remained on my credit report. 
( XXXX XXXX. Account # XXXX ) ( XXXX XXXX XXXX. Account # XXXX ) ( XXXX XXXX XXXX. Account # XXXX ) Under the FCRA Act section 611 ( 15 U.S.C. 1681i0 ) i asked for these accounts to be removed. 
I didn't give written permission to have those accounts furnished on my report as 15 U.S.C 1681a2 sates, they have to have written permission. I am kindly asking for these accounts to be removed from my credit report, please and thank you.
Product: Checking or savings account

In XX/XX/XXXX, it was around the XXXX that i noticed that alot of money was missing from my Bank of Amercia edd account. So I called them right away. which ended up being a serious chore..it took me 5 days of calling ... being put on hold and hung up on when i finally did talk to a person in their claims dept.on the phone, as well as transfered to departments/places that had nothing to do with boa. to say the least it became a full time job just to be able to file a claim about someone stealing a large amount of my money..which i was putting aside to get me a place. me and my wife in XXXX just lost everything we owned and our place to live due to the valley fire.. that money was our place to live. it was all we had at this point. when i finally did get in touch with someone i gave them dates and amounts even where they took the money from. on XX/XX/XXXX someone took XXXX dollars from a B.O.A atm in XXXX ca, than XX/XX/XXXX they took another XXXX dollars from a boa atm in XXXX ca, on XX/XX/XXXX {$800.00} from a boa atm in XXXX again XX/XX/XXXX another {$800.00} in XXXX from a boa atm and than on XX/XX/XXXX another XXXX from a boa atm in XXXX XXXX ca. i live in XXXX and havent heard of of 2 of these places let alone been to any of them.when i was finally able to talk with someone and file a claim about this I was informed that it would take about 2 weeks to get my money back. I did call numberous times to check on the status of this missing money but never got any answers or informed that within a matter of hours of opening this claim they shut my claim however i was never informed of these actions until this past monday XX/XX/XXXX. i had talked to the claims depe many times but was never informed that they closed my claim so i have been waiting all this time and spoken to them on mthe status of my claim however i was never told that my claim was closed or that i had to reopen it to get my money back that was takin and needed so i could get a place to live.now its been almost 2 months later ... and im having to start all over but this time .... I AM GON NA BE HOMELESS TOMORROW BECAUSE I CANT PAY FOR A SPOT NOR CAN I PAY FOR THE ROOM ANY LONGER.DUE TO THIS MISSING MONEY I CANT RENT A PLACE. I DONT HAVE THE MONEY TO PAY FOR THE HOTEL XXXX M STAYING IN. i DONT HAVE ANYONE I CAN ASK FOR HELP OR A PLACE TO STAY. I HAVE EXPLAINED THIS TO THEM but all i seem to get is the run around.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an error in my credit report. After reviewing my report, I noticed that an account under my name [ Account Number : XXXX ] is reporting a late payment, which is incorrect. I have attached a copy of my credit report highlighting this discrepancy. 

I would like to clarify that I made all payments on time, including the one flagged as late in XX/XX/year>. Consumer reporting agencies are required by law to report information accurately, and this account has not been delinquent. I am now requesting an immediate investigation of this account. Please provide verifiable proof and records that show a late payment on my account. If no such records can be provided, I respectfully request that this late payment be removed from my report and that my account be updated to reflect that all payments were made on time. 

Thank you for your prompt attention to this matter. Please notify me when the correction has been made or if additional information is required.
Product: Debt collection

I, XXXX XXXX, a consumer, am notifying you that I dispute this alleged debt under 15 USC 1692g. 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 under 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, XXXX, 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. 

You are in noncompliance with the Privacy of the Consumer Financial Information Rule of the Gramm Leach Bliley Act for sharing my nonpublic personal information with nonaffiliated third parties and not providing me a notice that complies with section 6803 and allowing me to opt out under 15 USC 6802. 
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.
Product: Credit card or prepaid card

What is the specific law or guideline identifying the maximum late fee penalty that a company can charge? 

I ready some items about reasonable costs to the lender but how do you identify reasonable costs. This seems to be so vague and so hard to prove. Credit card companies would seem to have some restrictions on how much can be charged for late fees. Don't they? 

There should be a limit on how the late fees are calculated. I spoke with a representative today XXXX at XXXX and they advised that they charge the late fee based on what is past due plus all other future transactions that are not yet due. This does not sound correct. How can you charge a late fee on future transactions that are not yet due. Late fees should only be associated with the past due balances.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been contacting XXXX for months trying to get the correct information on my credit and get the inaccuracy off. XXXX has violated so government laws according to the FCRA. I dont know if the agents over the phone are not reading the rights but I have got hung up on multiple times just for asking can you send documents verifying these inquiries. I even asked a lady over the phone for XXXX can she give me documents pertaining the information on my credit report. Blantly she told it couldnt be verified through them. Well thats a violation and anything that cant be verified is subject to removal. Im very respectful when it comes to things like this but my experian has 4 inquiries and XXXX has 53 and they are telling that its just not reporting to the same agency. Like come on XXXX yall have been rude and are not expecting me to exercise my rights when their is an error or even fraud into play. But honestly Im looking at sueing XXXX rather than stress myself out for them to delete 53 inquiries that arent mine. XXXX my credit score is a XXXX  and XXXX is a XXXX. I cant get half the stuff I need credit wise because of transunion. So many rights to FCRA have been violated, Ive spent over $ XXXX {$1000.00} just send letters to transunion just for them to say they cant verify the inquiries and that They still arent removing them even if they see they are inaccurate.
Product: Debt collection

XXXX XXXX XXXX  XXXX XXXX  fund paid this bill and it has been verified. It should have never went to collections and I never got any notice it was in collections just showed up on my report one day. Please remove and update records.
Product: Credit card or prepaid card

I received what appears to be a prepaid card from netspend located in XXXX Texas. The mail was addressed to a person who does not live at my address. When I try to call the company to report possible fraudulent activity the number does not give you the opportunity to speak to a representative if you dont have an act number or it will ask you for a social security number. This is not the first time I received this from netspend. I placed a complaint a few months ago because they sent me a prepaid card and I never asked for this card. This company should not be asking for social security numbers in order to be able to speak to a representative. They have no option to call and report this type of activity. This is very deceptive to a consumer and should be looked into. I want to find out who is using my address for this type of activity.
Product: Debt collection

Hello, I received a letter from Portfolio Recovery Associates, LLC on  XX/XX/XXXX for my XXXX XXXX account. It claims that I owe a debit collection agency {$3200.00} for my XXXX XXXX card. 

Last year, I paid off this XXXX XXXX card on XX/XX/XXXX for {$2600.00}. On XX/XX/XXXX I was charged another payment of {$2600.00}. Therefore, in two days, I paid XXXX XXXX {$5200.00}. Both of these payments are highlighted on the attached XXXX XXXX   statement. 

I contacted XXXX XXXX  and told them of the mistake. I asked that one of the payments be put towards paying off the XXXX XXXX balance. I also asked that the other payment be refunded to me. A few weeks later, I received a voided check from XXXX XXXX  that I could not cash. At this time I asked my bank to get involved and dispute the second payment. On XX/XX/XXXX, I received a refund for {$2600.00}. This is also highlighted on the attached XXXX XXXX   statement. 

Now, the XXXX XXXX  card was paid off on XX/XX/XXXX. I have contacted XXXX XXXX customer service team no fewer than ten times over the past year. I have sent my bank statements to multiple people at XXXX XXXX. Every time, it is ignored and I receive letters and phone calls stating the debit was not paid. Every time I explain the situation and they tell me they are opening a dispute and to wait thirty days for a resolution letter. This letter is never sent and yet the phone calls, late fees and debt collection letters continue. 

Now this debit has been placed with a collections agency and it has affected my credit score. I will dispute the erroneous credit score,  since the account has been paid off for a full calendar year.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was 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 information relating to any transaction by the consumer. 

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

Over the course of the last 6 months Ihave sent multiple complaints about all XXXX credit bureaus reporting alleged medical debts violating medical laws and all without my consent. I have written them at least 3 times and asked them to remove them. I have the letters saved as well as the responses. Please address this immediately. Thank you.
Product: Credit card or prepaid card

On XX/XX/2020 my Bank of America card was closed. I had {$3200.00} in my account when it was closed and my money was removed. I have tried endlessly to get this money back. I guess my account was flagged as fradulent. I have called AZ DES, emailed XXXX XXXX 's office, XXXX XXXX to no avail. I had a contact at DES who would actually call me back. Now I am afraid she is gone - I have called 4 times and no return call. 

I contact BOA and was told that it was AZ DES who had to fix this problem. AZ DES also told me it was BOA who had to fix this. It is now XX/XX/XXXX and I think 5 months is just ridiculous with no answers. 

I have attached a copy of my statement from BOA showing the deduction and closure of the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint on XXXX XXXX on XXXX XXXX XXXX XXXX XXXX Results came back as verified. I strongly disagree with results as account is factually inaccurate accounts status is closed with a balance of {$2200.00} payment status of charge off with date last active reporting as XX/XX/XXXX by XXXX XXXX while experian is reporting to XX/XX/XXXX and XXXX reports XX/XX/XXXX. Payment history reports last payment being done XX/XX/XXXX that is impossible and not acceptable as date of last payment is unknown. How can creditor be reporting account with missing data?! I am showing proof that account is reporting factually inaccurate. XXXX XXXX  provided a letter stating that XXXX XXXX  did not receive payment after XX/XX/XXXX. If you look at payment history on credit report, you will see that payments are still being reported! So, how the XXXX is creditor stating that they havent received any payment after XX/XX/XXXX when payment history reports different? Creditor is not providing any documentation showing information is accurate. Account has been disputed multiple times and it has not been reported on credit report that account has been disputed by consumer, nor that investigation has started yet. Updates have been done without notifying me.The Letter that was attached to CFPB Complain does not make sense with what is reported on credit report.
Product: Checking or savings account

I noticed a transaction on my account that I did not make in the amount of {$380.00} from a XXXX XXXX in XXXX, Oklahoma. On XX/XX/2023. I live in XXXX, NC. I teported to my bank USAA Savings bank and the determine it was not fraud. I had them re-investigate and came back again and stated they determined it was not fraud.
Product: Checking or savings account

I've complained several times about the same issue Well Fargo doesn't properly investigate anything they give you the run around then deny your claim. ALL I have asked from the very beginning is to get the merchants contact information because I can't find it. I have no idea who the merchants are and what the over XXXX chargers were for. The report says internet household goods music advertising lawyer as well as other things. I want proof of the good exchanged and sent to me for ALL the money that was spent. ALL I ever get is that they found no glitch in their system and that I made the purchases. I have not received ANYTHING for the purchases and have begged for a refund to just be denied time and time again
Product: Debt collection

I was having this debt automatically withdrawn from my bank account monthly. I had no idea it was not being took out and the debt was this high
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not received a response from the credit bureaus despite several letters, nor have I noticed any modifications to my report. The bad items I've been contesting remain on my credit record. This is obviously a violation of federal law. Credit reporting agencies are required by FCRA 605b to remove/block any accounts included on an identity theft report. I've attached some documents to help with the blocking of the incorrect information on my report. 
XXXX XXXX XXXX Balance Owed : {$430.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$500.00} XXXX XXXX Balance Owed : {$680.00}
Product: Checking or savings account

My father XXXX XXXX passed away on XX/XX/2022 from a long term illness. Upon his death, I was reviewing his accounts on Wells Fargo, and made them aware of a fraudulent transaction on his account date XX/XX/2022 when he was incapacitated for a XXXX purchase at XXXX. I asked in person at XXXX XXXX XXXX for them to investigate and received claim # XXXX and given the number XXXX to check on the details on XX/XX/XXXX. I have called on several occasions and they have told me I have no access to receive this information. This is despite me presenting all the probate information from the state of Georgia courts.