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

Navy Federal Credit Union you furnished alleged transaction on my XXXX, XXXX and XXXX 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) Report containing information solely as to transactions or experiences between the consumer and the person making the report ; My transactions and experiences with your company are excluded from the consumer report.

You have no right to furnish my transactions and experiences when the law clearly states that this information is excluded from my consumer reports.

The only way a creditor can treat a payment as late falls under 15 U.S. Code 1666b - Timing of payments ( a ) Time to Make Payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

In order for any creditor to treat a payment as late you must prove that : 1. The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the payment due date.

2. 15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have 10 days to send me all the required information.

A creditor can not treat a payment as late without complying with this section of the law! I request in good faith under rule 1002 the documents that shows proof that the information pursuant section 15 USC 1666b and 1637 ( b ) of this title was mailed out or delivered 21 days before the payment due date.

Do not rely to me stating that you are furnishing accurate information because we both know youre not.

Do not tell me this information is verified because you have not submitted proof of compliance with section 15 USC 1681a ( 2 ) Ai and 15 USC 1666b & 1637 ( b ).

If you can not provide the proof of the mailing or delivery of the information required by section 1666b you can not treat a payment as late which means you have also violated section 15 USC 1681s-2. You have 10 Calendar days from the receipt of this notice to provide the required information or delete the transaction you have listed as late : Dates Reporting late : ( XX/XX/year> ), ( XX/XX/year>, ( XX/XX/year> )
Product: Money transfer, virtual currency, or money service

On the XXXX bay of XXXX I tried to send my landlord XXXX $ via pay anyone on my chime account when I hit send the number I had entered changed from a phone number to a name that I dont recognize now chime is saying that Im responsible for the money and that they could not do anything about it
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit bureaus are reporting inaccurate information my credit on a business account that was charged off and fully paid by the business. This account should have never shown o n my personal report. Multiple disputes only resulted in computer generated responses from the credit bureaus with no proof of what they have investigated and how.
Product: Checking or savings account

I was charged for XXXX event tickets for an event will occur on XX/XX/year>. I contacted the ticket provider, but they did not respond for months. Afterward, I reached out to Wells Fargo to explain the situation, informing them that I had never received my digital tickets and asked them to investigate. After their investigation, Wells Fargo sided with the merchant and advised me to contact them directly. I did so again, and the merchant finally email me back no phone calls being answered by merchant and told me they had canceled my tickets due to the dispute, stating the tickets would be delivered on the event day, which is why XXXX XXXX received them yet. However, they claim to have refunded the amount, but Wells Fargo has not returned my money. They refuse to give me any information and i provided emails to wells fargo but they are refusing to help
Product: Credit reporting

Two collection companies reporting the same account number. I paid the most recent collection from XXXX but XXXX Company is still reporting. Its the same account number and settlement.
Product: Checking or savings account

In XXXX, a checking account was opened in my name with Wells Fargo. I was made aware of this account via an email from Wells Fargo, a letter sent via XXXX from Wells Fargo and an email from XXXX noting that there was a credit check related to the checking account. I contacted XXXX to remove the credit check and have my credit report monitored for future activity. I then contacted Wells Fargo to inquire about the checking account. I asked them to close the account which, after several conversations, they did. 

In XXXX of this year, I received a debit card associated with a different checking account. Again, after several conversations, Wells Fargo " closed '' the account. 

During my latest dealings with Wells Fargo, I was made aware that around XXXX the bank was fined a a large sum of money for illegally opening accounts to defraud investors. Based upon my recent experiences, I believe the practice is still occurring.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Debt Validation Dear XXXX XXXX  I am writing in response to your communication dated [ date of the letter you received ] regarding an alleged debt. I do not recognize this debt and am requesting validation of the debt as per my rights under the Fair Debt Collection Practices Act ( FDCPA ), Section 809 ( b ) ( 15 U.S.C. 1692g ). 
Please provide the following information : 1. Validation of the Debt : The name of the original creditor. 
The amount of the alleged debt, including a detailed breakdown of principal, interest, fees, and other charges. 
Documentation showing that I owe this debt and your authority to collect it. 
2. Proof of Ownership : Copies of any agreement that bears my signature and establishes this debt. 
A copy of the assignment or transfer agreement if this debt has been sold or transferred. 
3. Details on Collection Rights : Evidence of your authority to collect debts in my state, including any applicable licensing information. 
Under the FDCPA, I have the right to dispute this debt and request verification before making any payment. Please note that any attempt to report this debt to credit reporting agencies without proper validation would violate the FDCPA. 
Additionally, I request that you cease all communication with me about this debt, except to provide the requested validation information or to notify me of specific legal actions. 
Please respond in writing within 30 days of receiving this letter. Any future communication should be sent to my address listed above. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX ID # XXXX DL # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second time contacting you about a IDENTITY THEFT issue that was not handled. 
I am a Victim of Identity Theft from Equifaxs Data Breach. MY CLAIM NUMBER IS - XXXX. There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be, PERMANENTLY DELETED FROM MY CREDIT REPORT. 

My request to DELETE PERMANENTLY THE FRAUDULENT ITEMS FROM MY CREDIT REPORT is not being made in error ; nor is it being made on the basis of a material misrepresentation of fact by me relevant to the request to delete the identified transactions. The identified transactions are not information related to any transaction by me as the consumer they are : ADDRESSES. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MAKE SURE THAT MY CREDIT REPORT IS NOT **FROZEN OR LOCKED- NOR HAVE A FRAUD ALERT ON IT** I HAVE BEEN TRYING TO PULL MY CREDIT SCORE FROM DIFFERENT PLACES THAT OFFER IT FOR FREE BUT COULD NOT. PLEASE SEND ME A FULL DETAILED READING OF MY PERSONAL CREDIT REPORT SO I CAN KEEP AN I ON MY CREDIT.

A copy of my credit report and The ADDRESSES AND FRAUDULENT ITEMS ARE screenshoted so theres no confusion about the accounts, addresses & companies that I am disputing.

DO NOT PLACE A FRAUD ALERT NOR ANY FREEZES ON MY CREDIT REPORT By law, Part of my Compensation approves, Four years of specially negotiated, three-bureau credit monitoring and identity protection services through Experian and an additional six years of one-bureau credit monitoring and identity protection services through Equifax .

The Experian monitoring has a comparable retail value of {$24.00} per month and has a number of features that are typically not available in free credit monitoring services offered to the public. ( App. 6, 33-43 ). The one-bureau credit monitoring shall be provided separately by Equifax and not paid for from the settlement.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to DELETE the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply.
Product: Checking or savings account

I was robbed of 4 social security checks while XXXX and never gave permission for my card to be used. It was used to send people money and for many transactions equaling p to XXXX over a period under 3 months. Bank refused to help me. XXXXXXXX XXXX is even used for another person not me. The other they sent it to said shoulda known it was something cuz that person never had money. I started police report. I want bbt to help it was unusual activity they should have noticed it. My local branches always knew how to get in touch with me.!!
Product: Debt collection

I was on XXXX when I went to this company. This bill, like all of my other medical bills should have been resubmitted and taken care of. Unfortunately this company will not resubmit and as a result its in my credit report.
Product: Money transfer, virtual currency, or money service

Hi, today I am writing to inform you on my concerns with Zelles holding of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle on plenty of occasions and reporting discrepancies. My financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these funds were unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and it brings up serious concerns about customer safety.
Product: Debt collection

Debt Collector company Resurgent Capital Services, persists after being told that the account is satisfied. Resurgent Capital Services has no express consent or permissible purpose to contact me about any debt but still sends repeated correspondence constituting identity theft. The account in question is satisfied and has never been proven to be legitimate despite requests for verification/validation.
Product: Debt collection

I received a collection notice for {$590.00} from I.C. System for services rendered from XXXX XXXX XXXX XXXX XXXX to an address in the state of California. I have never lived in the state of California. Nor do I know anyone in the state of California. I have never given anyone permission to use my information to open an account. For some reason this collection account keeps getting passed along to a new company at least once a year. I have spoken with I.C. System directly and informed them that this is not my bill. I have also filed an Identity Theft Affidavit with XXXX various times in the past to no avail. It appears to get cleared up with the present collection agency, then resurfaces with another collection agency. Im not sure why XXXX XXXX XXXX XXXX XXXX would keep passing this information on to other collection agencies when I have conveyed to them that this is not my bill and I have never lived in the state of California. I just want this to get cleared up.
Product: Vehicle loan or lease

this is a response to exeter finance who stated i said i stated that the account is fraudulent. however, i did not say this. in the email i sent them, i stated : " to whom it may concern, i will need my loan and account closed. i was the victim of fraud and identity theft, someone went around using my social security number without my knowledge and consent. my account number is XXXX my name is XXXX XXXX XXXX my social security number is XXXX i want you to report to credit bureaus about this to remove account information, i do not want to take any chances with this. please do so, thanks. and please come and get your vehicle that was financed. i had to file a police report and i have filed an ftc id theft report as well. thanks '' i stated i did not want to take any chances on this with my ssn being used without my consent. this is why i reported your company to the NC DOJ recently because of stuff like this. i fought hard for this country and you should do something about this account and vehicle. i surely hope you get your business shut down by the NC DOJ because of this kind of stuff. thanks
Product: Debt collection

I recieved an income execution letter from attorneys of XXXX XXXX XXXX XXXX, about a debt from XX/XX/2008 for XXXX XXXX interest, I firmly believe this is not my debt and that this is a case of 'debt tagging ' because of my common name. I immediately sent a cease and desist letter to all parties involved via certified mail with return receipts only to recieve an email from my employer stating they recieved said income execution letter to instruct my employer to garnish my paycheck. This is XXXX and I stress again that this is not my debt. Can you please assist me? This has distressed me greatly. I don't know what to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Transunion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Per Fair Credit Reporting Act Section 605B, which states that the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days. The account listed below is still reporting on my Credit Reports and need to delete immediately : XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The payment was submitted well before the due date of XX/XX/XXXX. I have attached bank statements and payment confirmation as evidence that my payment was made on time. 
Despite the timely payment, the late payments entry of 30 and 60 days has been inaccurately reported by XXXX, which may have been caused by a clerical error in processing my payment. 
Additionally, there was no notification or communication regarding a late payment, and I received no notice of delinquency from the creditor, further supporting the claim that this was an administrative mistake. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

I keep receiving calls from XXXX XXXX XXXX XXXX, a Rep by the name of XXXX. I have no idea why she is constantly call me regarding some unknown debut.
Product: Credit reporting or other personal consumer reports

Dear Experian Dispute Department, I am reaching out to dispute incorrect information listed on my credit report. The following items were inaccurately reported and should be removed immediately : XXXX XXXX Bankruptcy Reference # XXXX XXXX XXXX Bankruptcy Reference # XXXX XXXX FCU Reference # XXXX These records do not belong to me and were reported in error. Per the Fair Credit Reporting Act ( FCRA ), I am requesting an investigation into these accounts and their removal from my credit file. 

Please confirm in writing once these items have been deleted. If you need any additional documentation, do not hesitate to contact me.
Product: Debt collection

I am writing to formally dispute the reporting of a charge-off on my credit report I have identified a charge-off associated with XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX. Under IRS guidelines, a charge-off is treated as income for tax purposes. As a result, it should not be reported as a negative item on my credit report, as it is effectively considered settled debt rather than an outstanding obligation. Reporting it as a charge-off misrepresents my financial status and has a negative impact on my creditworthiness. The Fair Credit Reporting Act ( FCRA ) mandates that all information reported to credit bureaus must be accurate and not misleading. Since the charge-off reflects a settled debt that the IRS considers as income, it should not be listed as a negative item on my credit report. 
I kindly request that you investigate this matter and remove the charge-off from my credit report if it is determined to be inaccurately reported. Please provide me with written confirmation of your findings and the results of your investigation within the 15 days required by the FCRA This is violation of my rights under 15 USC 6802
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : 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, credit repair services, or other personal consumer reports

FTC Violations XXXX XXXX {$810.00} XXXX {$20000.00} XXXX {$1700.00} XXXX XXXX 's {$270.00} XXXX  {$1300.00} XXXX XXXX {$520.00} XXXX  {$840.00} XXXX   consumer finance division has agreed to a {$550.00} million deal to settle allegations that it placed consumers into loan arrangements with a high risk of default. 
XXXX XXXX XXXX XXXX settled with 33 states and the District of Columbia. It agreed to pay {$65.00} million to customers affected by the practices, as well as waiving {$470.00} million  worth of outstanding loan payments. It also agreed to pay {$7.00} million  to states to cover restitution claims. 
Have you ever been billed for merchandise you either returned or never received? Has your credit card company ever charged you twice for the same item or failed to credit a payment to your account? While frustrating, these errors can be corrected. It takes a little patience and knowledge of the dispute settlement procedures provided by the Fair Credit Billing Act ( FCBA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

ThIs is NOT a duplicate or a copy...... please read There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer. 



XXXX- Acct # XXXX XXXX XXXX XXXX XXXX ADDRESSES THAT ARE NOT MINE!! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX