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

Date : XX/XX/XXXX Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Email : XXXX Contact : ( XXXX ) XXXX SSN : XXXX File Number : XXXX Account Number : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX XXXX 
Equifax, XXXX XXXX XXXX, XXXX, GA XXXX Subject : Request for Deletion of Paid Collection Account To Whom It May Concern, I hope this letter finds you well. I am writing to dispute the accuracy of information reported on my credit file regarding a collection account attributed to me. According to my records and attached documentation, this debt has been fully settled and agreed upon for deletion with the creditor, XXXX XXXX XXXX XXXX. 

Please find attached a Paid Loan Letter from XXXX XXXX XXXX XXXX, confirming the settlement and deletion agreement of the said collection account. This letter serves as conclusive evidence that the information currently being reported by your agency is incorrect and not reflective of the current status of the account. 

Account Details for Reference : - Original Creditor : Snap Finance - Collection Agency : XXXX XXXX XXXX XXXX - Account Number : XXXX - Reported Balance : {$0.00} In light of this, I respectfully request that you review the attached documentation and proceed with the immediate removal of this account from my credit report. The Fair Credit Reporting Act mandates that accurate and up-to-date information be reported. Given that this debt has been paid and an agreement for deletion was reached, continuing to report this account negatively impacts my credit score unjustly. 

I appreciate your attention to this matter and look forward to seeing the necessary corrections made promptly. Should you require additional information or documentation, please do not hesitate to contact me at ( XXXX ) XXXX or via email at XXXX Thank you for your cooperation and understanding. 

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

I am submitting this complaint because I am very unhappy and XXXX and XXXX. My XXXX and I are trying to buy a house to move our family into a nicer neighborhood and in the process of repairing my consumer report. I sent Experian an identity theft report thru the XXXX and they are stating that the report I sent they can not accept because it wasnt from a law enforcement agency. I was reading some of the resources that the CFPB provides and it states that the report can be from a state, federal or law enforcement agency. So I am confused why Experian would see a reply like that when the XXXX is a government or federal agency. In addition it is asking for additional information I had already provided. This is a very serious matter. I believe experian is giving me the run around in resolving this matter. I provided everything that was needed for a identity theft complaint or dispute. Identity theft can be committed by companies as well not just human beings or people like me. That is what I gathered from the reading material from the resources on the CFPB website. I have doing some study because we have to move out of the neighborhoos my family is in because it is dangerous. And EXPERIAN is making it difficult by not doing a proper investigation and prolonging the outcome by asking for things that have already been provide. Is this conduct violating some type of federal and/or state laws. This is very frustration aslo because their automated system gives me the run around when trying to speak to a live person. This is very stressful and the neighborhood is dangerous. I fear for my family safety. Isnt it a time limit to delete the information that came from the identity theft? I believe the resoures say it is XXXX days from the time that EXPERIAN receive notice. The information is still on my consumer report. I need help with this because EXPERIAN is allowing this to ruin my consumer report and is trying to pray on my ignorance of the law by asking for information already provided. In addition I can not speak to a live person. I feel this is delibrate, it is unfair, and unamerican
Product: Debt collection

On XXXX XXXX 2016 I took my son XXXX to the XXXX department in XXXX XXXX, XXXX, GA. At the time I paid {$150.00} in the XXXX department. We later received the bill from the hospital claiming that we had not made any payments to the at time of service. I paid the remainder of the bill ( {$100.00} ) and contacted the hospital sort out the missing {$150.00}. I sent them the receipts, backdraft copies where the payment was cleared by my bank. I received another 2 bills from the hospital claiming I owed {$150.00}, the hospital claimed the had not received the documents I had faxed them. This happened 4 times over the time of 3 month. The hospital then handed the matter over to Central Financial Control Debt Collector. Again I faxed tem the documents showing I had paid at the time of service. The first 3 times they claimed they had not received the documents, so on the XXXX of XXXX 2016 I faxed 20 copies from 3 different fax machines and 3 copies by regular mail. Central Financial Control then acknowledged that they had received the information and it had been handed over to their disputed claims department. Since XXXX I have been told that my claim is under review and they will get back to me shortly. However, I have had no information about my claim, the person in charge of my claim ( XXXX XXXX ) have not returned any of my calls.
Product: Credit card

I have notified Amex of a fraudulent account. 

The address and phone number used to open the account is not my information. 

I am providing a copy of my drivers license. 

American Express is not responding appropriately to these complaints they just continue to send a copy of the statements that they were sending to a wrong address.
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries are not recognized and there are multiple of several or the time is up and they should be removed. At one time I had a fraud alert on my credit file in XX/XX/XXXX when some of these were done. XXXX XX/XX/XXXX XXXX XXXX:XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting

As of XXXX XXXX 2016 there was a Fraud Alert placed on my Credit report. It was NOT by ME. I do not want a fraud alert on report.
Product: Bank account or service

This is filing another complaint against Wells Fargo Bank. I returned a call to Wells Fargo Debit/Atm Corporate Office. I Spoke with XXXX, and explained to her my grievance. She said she would look it up, and assign a case agent in this case. And XXXX told me that it would take ten working days to research. Ten working days? She was not a help at all, and does not help in my situation. I need the Well Fargo Bank to give me back my money immediately. Today, I checked my account and found out that they have taken {$45.00} for overdraft fee, and they have taken {$12.00} out of my checking account for Transfer Fee. There was a reversal of {$120.00} in my savings account, but they have taken the {$45.00} as overdraft, how in the world they keep taking money after money to a zero account and keep charging me with overdraft fee after overdraft fee? I have attached the activity I have in my account. This bank keeps getting my money from each of my account. They would reverse my other fee, and then take the money out to pay them the overdraft fee? This company is a vulture in the industry. How in the world the WF would not know that the hold in this account has been a mistake from the XXXX ( XXXX ), and the XXXX has already faxed their release of my account XXXX, XXXX in XXXX XXXX, and another in XXXX XXXX? They have taken money in EACH of my accounts, including the account of my son! What kind of business practice was this? Are all banks like this? Again, the XXXX claim was their mistake, if WF want to charge someone, they have to charge the XXXX who keep making mistakes in withholding my money although I have already told them and gave them the documentation that I have been a victim of Identity Theft! This was not my fault, why is it my family and I would suffer on this? I do n't know why it 's so easy for this bank to withhold my account immediately, but it 's so difficult for them to return it back to my account. Are they investing that small amount of money first that 's why they wanted to keep it for 24-72 hours? Everything is electronic now and it 's not making any sense to me that it will take them 24-72 hours to return my money. It 's my money, it 's already in my account, they just withhold it. To put it back, click on an option to return and then it 's back in my account, that 's it. I was told by the XXXX representatives, ( XXXX, XXXX, XXXX, XXXX ) that it 's their policy, and that 's how long the process is. So, it took them a minute probably to process the withhold in my account, and it 'll take them 3 days to return the money back to my account? It 's not making any sense especially that they have been told that the hold was a mistake, and that they have received a release fax from XXXX. This bank is very frustrating, and I ca n't say enough but this was not a good business practice, this is a fishy business practice. This bank will set you up to failure.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX Balance : {$5000.00} XXXX XXXX XXXX Balance : {$240.00} XXXX XXXXXXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Equifax Bureau, I am a consumer of Equifax. There are some Fraudulent Hard Inquiries on my credit report. I called the lenders in order to remove those inquiries and let them know that it wasnt me who applied. They told me to contact Credit Bureaus. I called Equifax customer service and they asked me to send a letter along with an FTC report in order for these fraudulent inquiries to be removed. 
I have already contacted you through phone, also sent you a mail but have no results so far. These hard inquiries are not mine, please remove them from my credit report : CREDITOR INQUIRIES : XXXX  DATE OF INQUIRY : XX/XX/2022 CREDITOR INQUIRIES : XXXX DATE OF INQUIRY : XX/XX/2022 CREDITOR INQUIRIES : XXXX XXXX DATE OF INQUIRY : XX/XX/2022 CREDITOR INQUIRIES : XXXX XXXX XXXX DATE OF INQUIRY : XX/XX/2022 CREDITOR INQUIRIES : XXXX  DATE OF INQUIRY : XX/XX/2022
Product: Vehicle loan or lease

So I was only to be placed on the loan as a secondary person and the request for the loan was denied then I was under the impression that that was it when later looking at my credit it was seen that they in fact ran my credit multiple time and has me as the main lend holder and I was unaware of this until get my credit report pulled. World Omni has the incorrect information and they are very rude when assisting me with the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has continue to report this loan even though it was discharged under bankruptcy chapter XXXX back in 2013
Product: Credit reporting or other personal consumer reports

I am disputing inaccuracies on my credit report regarding an account reported by XXXX XXXX. Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure that all reported information is accurate, complete, and verifiable. Below, I have detailed the specific inaccuracies and the relevant legal violations : 1. Inconsistent Account Details Across Bureaus : The Account Type Detail varies across bureaus, with XXXX and XXXX reporting Auto Loan, while Equifax incorrectly reports Recreational Merchandise. This inconsistency violates 15 U.S.C. 1681e ( b ). 
2. Incorrect Loan Terms : The number of months ( terms ) is reported as XXXX by XXXX and XXXX but as XXXX by Equifax. This inaccuracy misrepresents the account. 
3. Late Payment Reporting on a Closed Account : Late payments ( 30-day ) are reported on a closed account with a {$0.00} balance. If these marks are inaccurate or unverifiable, they must be removed as required by 15 U.S.C. 1681i ( a ). 
4. Misleading Comments : The comments differ across bureaus, with Equifax including Closed or paid account/XXXX  balance while the others state Closed. This creates confusion and may mislead potential creditors. 

Violations of the Fair Credit Reporting Act ( FCRA ) : 1. 15 U.S.C. 1681e ( b ) : Failure to Ensure Accuracy : Credit reporting agencies ( CRAs ) must follow reasonable procedures to ensure maximum possible accuracy. The inconsistencies in terms and account details violate this requirement. 
2. 15 U.S.C. 1681i ( a ) : Failure to Investigate Disputed Information : If these issues have been previously disputed and not corrected, the CRAs may have failed their duty to conduct a proper investigation. 
XXXX. 15 U.S.C. 1681s-2 ( a ) ( 1 ) : Furnishing Inaccurate Information : The furnisher ( XXXX XXXX ) may be reporting incorrect details or failing to update resolved disputes. 
4. 15 U.S.C. 1681c ( a ) ( 4 ) : Reporting Obsolete Information : Derogatory marks ( e.g., 30-day late payments ) should not appear if they are inaccurate, improperly validated, or reported past their permissible timeframe.
Product: Debt collection

To Whom It May Concern, I dispute your claim and request validation under the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). Provide a breakdown of fees, including how YOU calculated what YOU claim I owe. Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. Cease any credit bureau reporting until the debt has been validated by me as required under the FCRA. Send me proof that you are licensed to collect debt in my state. Send this information to my email and accept this complaint as my formal debt validation request, which I am allowed under the FDCPA. I will await your reply with the above-requested proof. Upon receiving it, I will correspond back with you. 
Sincerely, XXXX XXXX
Product: Debt collection

While going over my credit report I noticed two credit card from Capital One Bank as charged off. This is impossible as I have never had any accounts from Capital One Bank. I am disputing these two credit card accounts as fraudulent. The only accounts that I was associated with from Capital one is when I was added as an authorized user but those accounts are closed. These accounts I didn't authorize to be opened please remove them from my credit report as ID Theft
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and Im submitting this complaint myself and theres no third party involved. On or about XX/XX/XXXX I sent an AOT via certified mail with return receipt validating that I am pursuant to 15 U.S. Code 1692a ( 3 ) consumer means any natural person obligated or allegedly obligated to pay any debt. Notice to all, I am that I am, the consumer in fact, natural person, original creditor, lender, executor administrator, holder in due course for all derivates thereof for the surname/given name, XXXX XXXX XXXX 

Fact, the Fair Debt Collection Practices Act is intended to secure my right to privacy and my privacy has been breached so be it and : They are reporting erroneous, unverified original creditor, invalidated debt on my consumer report without my written consent. Pursuant to 15 U.S. Code 1692d ( 1 ) ; Attacking my reputation, accusing me of owing an alleged debt. Pursuant to 15 U.S. Code 1681 ( b ) The Congress requires that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, and other information in a manner which is fair and equitable to the consumer about the confidentiality, accuracy, relevancy and proper utilization of such information. XXXX is not meeting my needs as a consumer or being fair and equitable by reporting inaccuracies on my consumer file ; I have submitted again to XXXX and Equifax an AOT and FTC numerous times as they have not made the necessary corrections to my consumer report. This document was sent via certified mail w/return receipt as all correspondence to them. I have provided XXXX XXXX Equifax with factual proof that the items they are listing were removed from the other CRA 's as well as XXXX XXXX as they too were in violation of pursuant to 15 usc 1681 ( a ) ( 4 ) Infringed upon me the consumers right to privacy and that violation pursuant to 15 usc 1681b ( a ) ( 2 ) in accordance with the written instructions of me the consumer to whom it relates did not have permissible purpose nor did I provide them with written permission to list such private matter. Therefore, has since removed such items and all items associated with such account. 

Return receipt XX/XX/XXXX validates that they received my AOT. XX/XX/XXXX I received a notice that did not provide me with a signed AOT rebutting my AOT pursuant to Pursuant to 15 U.S. Code 1681a ( e ) which defines an investigative consumer report as a consumer report in which information on a consumers character, general reputation, personal characteristics, is obtained through personal interviews with neighbors, friends, etcwho may have information of any items on the consumer file which you will have to show me proof via affidavit of fact under penalty of perjury. I requested that they produce a contract showing that I granted them permission to furnish a consumer report on my behalf. And if you have that permission, please have your Sr Executive to create an Affidavit to me and have it notarized by that Sr Executive saying that I granted you permission to furnish this consumer report on my behalf. They have not done so.
Product: Debt collection

Debt from previous employer was submitted to. Department of Treasury whom begin garnish XXXX check ( which is direct deposited into bank account ) I the. Received collection letter from conserve collection. The total amount they gave me was over half less then what the Treasury amount was just the previous month. I told them I never got the first letter from them and requested a verification of debt from conserve over the phone and was told they can't give me anything in writing. Copy 's of the first letter was sent but nothing indicated about the verification. I also stated that the Treasury is still garnish my check there response was the Treasury can do what they want and the fdcpa doesn't apply to them.even if I dispute debt they would still garnish.I called The Treasury and was told all communication were to be done through conserve and they wasn't stoping garnish until debt was paid off Support of complaint From cfpb website and Treasury Fiscal Service and its private collection agencies ( PCAs ) will assist the federal agencies by identifying debtors eligible for XXXX. A federal agency may not garnish wages if a debtor has not been in their current job for at least 12 months and was involuntarily separated from their previous job. In addition, Fiscal Service and its PCAs will monitor collections under the XXXX order to ensure employer compliance From there website, I was involuntary separated from previous job and not working so at current job for 0 months https : //www.fiscal.treasury.gov/cross-servicing/awg/awg-background.html This is from cfpb website : Social Security and Social Security XXXX XXXX XXXX XXXX ) can sometimes be garnished to pay money you owe to the government, such as back taxes or federal student loans, and money you owe for child or spousal support. 


The key to making sure your federal benefits are legally protected from being frozen or garnished is to use direct deposit to put the money into your account or prepaid card. You can sign up anytime to have federal benefits direct deposited to your bank account or loaded onto a prepaid card. 



As long as I am using direct deposit, which federal benefits are protected? 

Money you receive and direct deposit to your account or card from the following government programs is protected : XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ) benefits Veterans benefits Civil service and federal retirement and XXXX benefits Servicemember pay Military annuities and survivor benefits Federal student aid Railroad retirement benefits Financial assistance from the XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account on my credit of the amount {$2000.00} that is duplicated. The original creditor XXXX XXXX XXXX XXXX is listed on there twice for the same debt of the exact same amount, reported from two different debt collection agencies. 
I am prepared to start paying off this debt, but refuse to pay until it is correctly reflected on my credit as one account. I disputed the accounts with Experian twice and gave information that it is a duplicate and it is very clear just from a quick glance that it is the same debt listed twice. 
Experian did nothing to remove it and said that it was fairly reported. 
It is listed like this in every credit agency.
Product: Money transfer, virtual currency, or money service

I have been dealing with what appears to be a fake company for months now called XXXX XXXX XXXX XXXX. I paid a total of {$4000.00} to XXXX XXXX through PayPal Credit in XXXX, 2020. I do not know XXXX, but she was supposedly the person receiving the money for the company who was holding the product that I was to receive after payment was made. The company did not release the product, instead they kept demanding more money. I filed a dispute with PayPal ; however, they denied my claim because I authorized the transactions, which was true but I did not realize the product would not be received. I have recently inquired as to how to Appeal their decision. 

Fast forward to early XXXX and the company reduced the charges they were still asking for and required {$870.00} be sent to XXXX XXXX via email address ( another participant for the company ) and product would be received. I had this money in my PayPal Cash Balance. Although skeptical, I did send the money. Now, the company is asking for another {$2500.00}, which confirms to me that there is no product and it is a scam. I have emailed XXXX XXXX to ask for the money to be returned to my PayPal account ; however, I do not expect that to happen as he is a participant in the scam. 

My complaint is with XXXX XXXX XXXX XXXX ; however, PayPal Credit is the one who denied my dispute and found in favor of this company.