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

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, 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 NumberXXXX Account name : XXXX  Account Number:XXXX  Account name : XXXX XXXX  Account XXXX Account name : XXXX XXXX  Account Number:XXXX Account name : XXXX Account NumberXXXX  Account name : XXXX 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.
Product: Checking or savings account

On XXXX XXXXXX/XX/XXXX, Wells Fargo called me and denied my claim for a fraudulent XXXX  Transaction of {$3600.00} to payee from XXXX XXXX XXXX XXXXXXXX XXXX. Some one from Wells Fargo, located in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX phone called me in XXXX minutes just to say I or Someone had my authority made the XXXX  transaction and that not their fault. 
XXXX. I called Wells Fargo on XX/XX/XXXX immediately to report of UNAUTHORIZED BILL PAY TRANSACTION made on XX/XX/XXXX and still pending. 
They said that electronic can not be stopped. 
And they claimed that they could not set up a conference call with the payee. 
They just let it go. 
XXXX. I report at the same day on XX/XX/XXXX the second time to close the Checking Account ending in XXXX. And the representitive on the phone create a new Checking Account ending in XXXX then transfered all my money to XXXX account, also offered to give free new Check Book. 
At that time XXXX XXXX transaction still pending. XX/XX/XXXX I checked new account ending in XXXX still had all my money. XX/XX/XXXX unauthorized XXXX XXXX XXXX delievered. I lost {$3600.00}. 
They lied about the delivery on XX/XX/XXXX. 
They did not contact the XXXXXXXX XXXX and the payee to have a conference. 

All Wells Fargo tried to do is sending out letters everytime for every claim that " The transaction was made through a secure online banking session by you or someone who had authority and that no other processing error occured. '' The question is how to protect consumer? 

Please help me. 

Thank you very much.
Product: Checking or savings account

I went into this branch on XX/XX/XXXX to make a withdraw ( {$5000.00} ) from my account from funds that were in my available balance and was completely insulted by the teller XXXX XXXX and the staff that was working with her that evening. To start I was harassed and interrogated about what I was doing with the funds to start with ( and it wasn't even a large withdraw ) then in the middle of making the withdraw and asking how he would like the cash back she told me " never mind I cant do this today because the funds haven't cleared the other bank that the check was drawn off of when you made the deposit the other day, even though the funds are available in your balance. '' at that point all the other employees started to shake there heads and agree with her for saying that. Then I asked her so You are not going to give me the funds that are showing available in my balance? and she rudely said NOPE. I then walked out of the branch to call customer service to inquire about the situation. And XXXX proceeded to lock the door behind me. I then went back and knocked on the door to ask her a question and when she came to the door I informed her of Reg CC at that point she looked like she was in shocked that I was aware of that policy and said to me " im not taking that risk of giving you any funds and slammed the door in my face. I then spoke with a customer service representative through the wells fargo phone service who informed me that there was no reason why I couldn't receive my money and the funds where available and had been collected from the other bank as well. She was in disbelief of what had happened at that branch. At that point I was unable to get any funds because that branch had closed and there was no other branch that was open in the area I could go to. So needless to say I lost a large amount of money yesterday because I had placed a deposit on a piece of equipment that had to be paid in full and picked up by XX/XX/XXXX. We also will be closing out our accounts that we have had for 10 years and not opening our business account up with Wells Fargo. It shocking that wells Fargo would even employ someone like that but to top it off she is there customer service supervisor at that branch which his even more mind blowing
Product: Checking or savings account

Dear [ Bank of America ], I am writing to dispute several transactions on my recent bank statement. I called your customer service line to initiate a dispute, and after fully verifying my identity, I was informed that I must visit a branch location with two forms of ID or my claim would not be filed and my account would be restricted. 

I would like to bring to your attention that this requirement is in violation of federal law 12 CFR 1005.6 ( b ), which states that a financial institution may not place conditions on the filing of a dispute beyond a written statement of the unauthorized transaction by the consumer. 

As such, I request that this dispute be resolved without the need for an in-person visit to a branch location. I have provided all necessary information over the phone, and I am happy to provide any additional documentation or information required to resolve this dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX RE : UNAUTHORIZED INQUIRY To Whom It May Concern : I reviewed a copy of my credit report and Equifax ran an unauthorized credit inquiry on me on XX/XX/XXXX.
I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact XXXX XXXX XXXX and investigate such occurrence.
I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. In addition, as part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly as well as the sign agreement for the inquiry.
If you have any questions or need additional information, please contact me at address listed below.
Thank you.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX Social Security # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian and XXXX has failed to updated my credit report and hold creditors responsible for false information. I did not give them permission to sell my information to a collection agency. They did not contact on any of the delinquency.
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 ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX 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

Account name XXXX  XXXX Account number XXXX Date opened XX/XX/2015 in accordance with the Fair Credit Reporting act XXXX  Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A States I have the right of 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: Debt collection

In XXXX I opened a credit card with XXXX XXXX XXXX, but only kept it for emergencies, did not use it often and paid balances I used. I reported fraud in XXXX and did not pay the fraudulent balance. Then they sent me collection letters so I wrote a dispute letter to the collector, LVNV FUNDING LLC, stating that I dispute this debt. They did not stop sending me collection letters. The LVNV FUNDING LLC is still on my credit report. The total amount they claim I owe is {$1500.00}. Its been over 6 years.
Product: Student loan

My private student loan is currently being serviced by Wells Fargo. It currently has an outstanding balance of {$50000.00} I have tried on multiple occasions to work out an agreement with Wells Fargo but have been unsuccessful. In one instance, I spoke with XXXX XXXX XXXX, who gave me the instructions on how to file a Hardship Affidavit. Based on our phone conversation, I was led to believe that my request for a hardship repayment plan would be favorably viewed. I have attached the instructions I was given to submit the Hardship Affidavit and a copy of the affidavit eventually submitted. After waiting about a week, I called Wells Fargo to get an update on my request and spoke with numerous representatives from various departments who informed that I would not qualify for any form of hardship repayment. I currently have child support that I am diligently paying off, {$100000.00} in outstanding federal student loans and simply do not have the funds to continue making the current payment for the private Wells Fargo student loans. I respectfully request that the Consumer Financial Protection Bureau helps me work an agreement with Wells Fargo that provides some monetary relief to me so that I can both pay off the debt and be able to meet my other financial obligations. I am currently working overtime on full time job and even picked up a second part time job. However, even with this part time job its simply not enough.
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 XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXXXXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, CA XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX Balance : {$96.00} ; XXXX XXXXXXXX Balance : {$0.00XXXX XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 XX/XX/2019 XX/XX/2019 In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states.I have the right to privacy 15 USC 1681 section 6 o 4 a section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit card or prepaid card

XXXX Capital One approved me and gave me a credit card I didn't apply for. No one completed an application, Capital One did it on their own.
Product: Credit reporting or other personal consumer reports

Dispute of Collection Account for : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2024 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, PA XXXX Dear Sir/Madam, I am writing to formally dispute the collection account listed on my credit report under account number [ XXXX, XXXX, XXXX ]. The purpose of this letter is to request validation of the debt as allowed under the Fair Debt Collection Practices Act ( FDCPA ). 



I dispute the validity of this debt and request that you provide the following information : 1. Verification of the debt amount and detailed breakdown of charges.

2. Proof of your legal authority to collect this debt.

3. Documentation establishing the original creditor and the nature of the debt.

4. Any agreements or contracts bearing my signature related to the debt.

Please note that until you provide the requested information, I consider this debt to be disputed. Pursuant to the FDCPA, please cease all collection activities until the verification process is complete.

I expect your prompt attention to this matter and a response within 30 days of receiving this letter. If you are unable to provide the requested information, please remove the collection account from my credit report.

Thank you for your cooperation in resolving this matter promptly. 



Sincerely, XXXX XXXX XXXX XXXX Note : It's advisable to send this letter via certified mail with a return receipt to have proof of delivery.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently still being reported inaccurately on credit report by the State of CT Department of Social Services, XXXX XXXX XXXX XXXX XXXX. The report shows past due and delinquent payments. I will be attaching letters that dispute this information. I do have a letter from the State of CT dated XX/XX/XXXX that shows all my current support was up to date and it was reported to consumer reporting agencies. I will further attach information that shows the amounts were fully paid off in the year XXXX.
Product: Debt collection

they keep calling say i owe these debt when i know nothing about i just want them to stop calling me and my credit score fix XXXX {$620.00} XXXX {$390.00} XXXX {$770.00} XXXX {$840.00} XXXX {$950.00} XXXX {$840.00}
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the
credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$XXXX} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "
Product: Credit reporting, credit repair services, or other personal consumer reports

This agency is in violation of 15 U.S.C.

1692g. They were to notify me of this in writing 14 days prior I was not. I can validate this debt. I do not validate this debt.

Under 15 USC 1692f a debt collector may not use any false deceptive or misleading representation or means in connection with the collection of any debt this account is in violation. You can not report a late payment or a past due on a collection account this is a violation. Of the FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified public record listed below is still reporting on my Transunion credit report in violation of federal law. I'm telling you once again that I did not file for bankruptcy. This is an attorney error. I had a consultation with a bankruptcy attorney but declined to move forward. The attorney filed without my authorization or expressed permission. I was told this was resolved and then found a bankruptcy on my credit report! I never filed. I never went through bankruptcy. Please remove them immediately. 

XXXX XXXX Bankruptcy Date Filed/Reported XXXX XXXX Reference # XXXX XXXX XXXX XXXX Bankruptcy Date Filed/Reported XXXX XXXX Reference # XXXX XXXX
Product: Credit reporting or other personal consumer reports

Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. BARCLAYS BANK DELAWARE XXXX was reflected as a late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
Product: Debt collection

I had an account with XXXX that was closed in XX/XX/2019 because the service didn't work. I returned all equipment that I could return and then COVID took place so the bill for the service was left outstanding. Recently, I spoke to IC System who sent a letter and disputed the amount owed and advised that they need to verify the debt. A few days later they placed the debt on my credit report. I paid the amount owed for service which was {$330.00} and they are refusing to update the balance they are reporting on my credit report of {$770.00}. I called and spoke to XXXX XXXX at XXXX XXXX est, who stated they will not update the credit report or remove the collection until the balance is paid or I settle for an additional {$160.00}. I also asked him to verify the debit and look into the dispute I placed about not owing the full balance they are reporting. XXXX said they are not going to make any changes or updates until I process payment for more money even if I don't owe the balance. When I asked to speak to a manager he was refusing to place one on the phone until I said I will take legal action against them. He then transferred me to XXXX XXXX who was extremely disrespectful because I corrected him on how to pronounce my name correctly and because I asked him the name of the previous representative. XXXX then stated that he was not going to talk to me and proceeded to disconnect the call before I could state my case. They are illegally trying to collect on a debt that is not owed, reporting incorrect information to the credit bureaus, and I do not owe IC Systems any money as I have never signed any agreement with them so they should not be reporting anything to my credit reports.
Product: Credit reporting

CA N'T GET MY FREE ANNUAL CREDIT REPORT FROM EXPERIAN. THEY GIVE NO REASON WHY, JUST THAT SOMETHING PREVENTS THEM FROM GIVING IT. ALMOST EVERY YEAR I HAVE TO FILE A COMPLAINT TO GET IT, INCLUDING LAST YEAR. I HAVE NEVER HAD A PROBLEM WITH THE OTHER XXXX CREDIT AGENCIES AND I GET ANNUAL REPORTS FROM ALL XXXX FOR MANY YEARS. I NEED YOU TO FORCE EXPERIAN TO GIVE ME MY FREE ANNUAL CREDIT REPORT, LIKE YOU DID LAST YEAR, AND TO CORRECT THEIR SYSTEM SO I DO N'T HAVE TO FILE A COMPLAINT EVERY YEAR.
Product: Debt collection

I have contacted the company, the company the debt was sold to and XXXX XXXX to resolve this matter for more than 3 months but nothing seems to be resolved
Product: Debt collection

NOTICED ERRORS ON CONSUMER REPORT AND MADE CREDIT COLLECTION SERV ( A 3RD PARTY DEBT COLLECTOR ) AWARE AND THEY CONTINUE TO REPORT AND NOT REMOVE THESE ERRORS AND OR VILOLATIONS AS IT PERTAINS TO FDCPA, FCRA, CFPB AND PUBLIC LAWS AND 3RD PARTY DEBT COLLECTION. 

1. CREDIT COLLECTION SERV, WAS SENT A NOTICE OF ERRORS AND VIOALTIONS AND NOTICE TO CURE FAULT, AND NOTICE TO REMOVE DEBT THAT I HAVE NO AGREEMENT OR CONTRACTUAL OBLIGATION WITH THEM 3. ALLEGED DEBT WAS CHARGED OFF BY ORGINAGINAL ALLEGED CREDITOR XXXX XXXXL 3. LASTLY, THIS ALLEGED DEBT IS ENTITLED TO DISCHARGE DUE TO PUBLIC LAW 73-10 OF HJR 4, THEY HAVE 3 ACCOUNTS REPORTING ON MY CONSUMER CREDIT
Product: Debt collection

XXXX {$450.00} LVNV Funding LLC Through XXXX  XXXX, I have opened an account through  XXXX  XXXX a day before in my life. Let alone there is another one on XX/XX/21 for {$210.00} and I have never even applied through them. I tried to explain my identity has been stolen, but I need this taken care of because it is ruining my credit badly. Never owned anything through XXXX.