23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/year>, Fair Collections and Out placed a collection on my account for {$9700.00} - I have never done business with the original creditor : XXXX XXXX XXXX XXXX XXXX  and they have linked this debt to my name that does not belong to me, this is not my debt. I continue to be harassed by different debt collectors on a monthly basis for a debt that is not mine which is extremely illegal according to the following laws 15 U.S. Code 1692b - Acquisition of location information 15 U.S. Code 1692c - Communication in connection with debt collection 15 U.S. Code 1692d - Harassment or abuse. My information continues to be sold & shared illegally which is a violation of my right.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX Balance : {$41.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$8.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$15000.00} XXXX XXXXXXXX Balance : {$2100.00} DEPTEDXXXX XXXXXXXX Balance : {$0.00} DEPTEDXXXX XXXXXXXX Balance : {$0.00}
Product: Credit card or prepaid card

Somehow Kohl 's signed me up for electronic statements. I rarely use the card, but did in XXXX. They did not email me the statement notification like they were supposed to. I did get a statement notification this morning, but the bill was already late and I was charged a {$29.00} late fee and {$1.00} in interest. I worry that they do not send the statement notifications and sign customers up for electronic statements to get additional fees and interest. 

Since I do not use the account often I went on chat to close it. After waiting about 15 minutes I spoke to a XXXX XXXX  I verified all my information and had several holds which took additional time. He then said i would have to call to get the account closed. I worry this is just a way to stall so that customers do not close their accounts. I wanted to share my concerns with the cfpb about kohl 's credit cards behavior and response to my request to close.
Product: Credit reporting or other personal consumer reports

On my credit report with Equifax. 
They are saying my student loan in XXXX XXXX dollars. But my two loans are {$2200.00} and {$2000.00}. Also, it says my loan was sold.
Product: Checking or savings account

The bank did not advise that my account is going to be negative do due to two transactions that was made back on XXXX. I understand my responsibility but the bank failed to let the customer know what is going to happen. On my case I will posted the money to avoid the fees. The complain is not about the $ XXXXwith anymore. the complain is to tell how to th bank manipulate lower income class people money and also how the representative for the bank do n't give a dime to help their clients. In my case I was baking for more than 12 year also receiving two direct deposit. Is very upsetting that the bank with all the money that make with my own money they were not able to help but the supervisor ( XXXX ) she very sarcastic told that she was very sorry and that she do n't even care if I 'm going to closed my bank accounts with Bank Of America but I have to paid the fees. 

I will like to be reach Thanks
Product: Bank account or service

I was charged twice {$35.00} overdraft fee ... I believed I had opted out of this and do not want this service ... If the $ $ is not in the acct, the transaction should be rejected. 

Secondly, on the 1st overdraft, the bank held a {$1500.00} ach transfer from XXXX, which should have been in the acct. 

Third, the XXXX charge that created the next {$35.00} over draft should have been rejected. Not my issue the bank processed a payment they should have known better to process. This corrupt banking service is bleeding the American Consumer of Billions of dollars a year when they have the ability to rectify the accounting issues creating the timeliness of certain deposits/debits ... in reelationship to these " fees '' ... Legalized extortion is why the CFPB was created!!
Product: Vehicle loan or lease

Loan was purchased following the bankruptcy of US Auto. The new company West Lake is not acknowledging the warranty, nor GAP coverage included in the loan. Thus, all payments for service to vehicle is now out of pocket cost.
Product: Money transfer, virtual currency, or money service

My husband was scammed out of {$65000.00} from our Wells Fargo account in XXXX, CA on XX/XX/2018. Two wires ( both domestic and international ) and {$10000.00} in cash was taken from the account on that day and we received no security alerts from Wells Fargo that there was unusual activity in those accounts. We were able to stop one international wire for {$35000.00} the following day but filed a complaint with Wells Fargo fraud unit to recover our {$20000.00} domestic wire and the {$10000.00} that was withdrawn from two accounts that was unauthorized. We have contacted and met with branch manager XXXX XXXX  who authorized the transactions who has declared there is " nothing they can do '' to recover our money. The {$20000.00} wire was sent to a XXXX XXXX XXXX  account payable to XXXX XXXX XXXX XXXX XXXX  GA. The {$10000.00} was spent on XXXX XXXX  cards that were immediately cashed out upon receipt.
Product: Debt collection

The attorney at law Kenosian & Miele LLP XXXX XXXX XXXX # XXXX LA XXXX XXXX XXXX XXXX Did a hard inquiry on my XXXX  report without my consent or knowledge and now is trying to collect a debt that was the result of ID theft with I have a police report for That was dealt with over 1 -2 years ago I sent them the police report asking them to cease and desist that debt doesn't belong to me They need to do so
Product: Credit reporting, credit repair services, or other personal consumer reports

I cancelled my XXXX XXXX  account in XXXX when I moved to a new residence. XXXX reopened my XXXX  account without my consent after the move and incurred unauthorized charges. I tried to work this out with XXXX through XXXX but they were extremely rude and unreasonable. They eventually sent the account to a collection agency, Credit Control , LLC ; www.credit-control.com. Therefore, I reached out to Credit Control and we worked together on XX/XX/XXXX on a pay for delete agreement to remove the unauthorized account from my credit reports. The pay for delete agreement was : I paid the {$120.00} USD to Credit Control on behalf of the fraudulent XXXX account, in exchange for the account being removed from my credit report on all three major credit bureaus. I paid the agreed upon amount amount on XX/XX/XXXX. However, Credit Control has not held up their end of the pay for delete agreement. They collected the money, marked the account balance as XXXX balance but did not delete it from my reports. The agreement was a Pay For Delete and they are not holding up their end of the deal. I contacted Credit Control on XX/XX/XXXX in regards to their neglect to hold up their end of the agreement. They never responded to the email correspondence. I have emailed them again today, XX/XX/XXXX in hopes to reach them to remedy this issue. I am filing this complaint because they are not holding up their side of the pay for delete agreement. How can you trust a debt collecting company if they take your money, then do not hold up their side of the agreement?!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX credit reporting a " charge off '' account ( {$32000.00} limit ) on my credit report for a credit card that does not belong to me. I was only an authorized user on this account. I have repeatedly asked that this be removed from my credit report.
Product: Debt collection

Delta Management Associates just contacted my employer to ask for an employment verification. I do not have any accounts with this company and have never received any written notice or phone calls to my personal phone number ( which I use to set up accounts ) regarding any debt owed. About a year and a half ago, Delta Management Associates called my office and connected to my desk number and asked me to give them my SSN so that they could access my account information. At that time I told them that I did not have an account with them and absolutely would not give them my SSN. I had not heard from them again until today my receptions said that they called asking to verify my employment and that she directed them to our online verification system. She said they sent her a fax that had my SSN on the paper, but she shredded it before telling me. I am concerned that they have somehow obtained my SSN are trying to find ways to get more of my personal information.
Product: Credit reporting or other personal consumer reports

I submitted a dispute for the XXXX account but do not believe that Experian did a proper review
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you that I was the victim of identity theft. I researched how to remove the fraudulent accounts from my report and found that I needed to visit the Federal Trade Commission, or https : //www.ftc.gov, to file a report. Credit reporting agencies are required by FCRA Section 605b to remove or block any accounts listed on an ID theft report. Please see the attachments for assistance in blocking the incorrect information that is being posted to my report. 

These are the following lists of accounts that do not belong to me or were opened without my permission : XXXX XXXX Bankruptcy Reference # : XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX : {$0.00} XXXX Account # : XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX  ) Account XXXX : XXXX Balance : {$180.00} Date Opened : XX/XX/XXXX XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account # : XXXX Balance : {$320.00} Date Opened : XX/XX/XXXX According to FCRA Section 605B ( a ), the credit reporting agencies shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

Alliance One receivables management is trying to collect payment for medical procedures I received at XXXX hospital after an accident on XX/XX/2019. 
Their written communications note that not paying will be reported to credit agencies and will impact my credit. 
Each bill they try to collect is given a separate account number. Each account number requires a separate account ( login, password ) on their website at allainceoneinc.com. This is not clear on the website, which means they will call you noting you owe them money, but there is no way to learn this/pay on the website using the account you previously sent up. You need to set up another ( and another, pending number of bills ). 
When I tried to pay a bill ( after setting up a new account ), my credit card told me the payment was rejected ( presumably bc they have been flagged as suspicious/fraudulent ). However, in spite of having my email address and consenting to receive communications, I never received an email that this payment did not go through. The implication is that they can continue to claim I haven't paid yet not notifying me of the payment failure. 
There is a notification in my profile on their site, but this is disingenuous bc it assumes that I give a XXXX about their site and will ever visit it again. They took my email address and should use it for exactly this purpose.
Product: Credit reporting or other personal consumer reports

in according with the fair credit reporting act the list of accounts has violated my federal protected consumers rights to privacyand confidentiallity under 15 USC 1681.

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has all violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting to my credit profile as charge off or other derogatory. this account was paid in full, It should not be reporting as a charge off or derogatory this account was paid and settled, I have tried on many occasions to have the status updated. 
Also, there are addresses reporting that I never lived at these addresses. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XXXX XXXX still nothing from them. That means TransUnion has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report.PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX
Product: Debt collection

I recently received a debt collection notice from an unknown source. 
I do n't know or recall ever dealing with this creditor ( XXXX ) stated on the collection notice. Have never purchased services, bought products or merchandise from such creditor or used any financial means from such creditor. No info regarding when, where, and how if I ever made contact with such creditor. In a nutshell I do n't know who this creditor is and the amount they are trying to collect. They provide no real evidence info on this matter.
Product: Credit reporting

Trans Union is ignoring my requests to investigate and remove accounts from my credit file that do not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my XXXX  & Equifax reports for the XXXX XXXX XXXX XXXX ending in XXXX for orig amt {$8500.00}, 90 day late is being reported for XX/XX/XXXX, but the loan, along with all of my other loans with them, was paid in full through consolidation on XXXX  XXXX, XXXX. Late payment being reported is after date loan was paid in full. Please remove late payment for time period nothing was owed because you were already paid off.
Product: Credit reporting or other personal consumer reports

I am using my rights under the FCRA to contest any information on my credit report that I believe is not accurate. The data included in my credit report must be documented and validated before it is included on my report. I can't recognize or accept the allegation of delinquency and derogatoriness without factual proof. I challenge the reportability of this allegation, which doesn't meet federal or state reporting requirements. You must report this with the greatest compliance and accuracy possible. You shouldnt report any claims that you know or should know are not in compliance with regulations or the law. 

The content mentioned above was never verified to meet reporting standards. The data preceding it was never verified to be accurate, complete, or up to date. I require any erroneous, incomplete, or unsupported material be deleted. 

This discrepancy is alarming and I'm confident you'll resolve them quickly. Please review the account with a fine tooth comb, as it appears that something isn't quite right here! The data appears inaccurate or inconsistent with established reporting standards of the CDIA.

I want to bring to your attention Creditor Type ( - ) reporting Personal Loan Companies .The data for this account appears to be inaccurate or inconsistent with established reporting standards of the CDIA . I would like you to review it again and prove that everything is true, accurate, complete ( in time ), verified & compliant with all requirements- if not then please remove my profile!

Upon inspecting Dispute Status ( BS-20 ) exhibiting Account not disputed. There are certain things I can not live without. One of those necessities is compliance with federal and state regulations! So, how did you manage to comply? Prove your compliance by showing me some proof!

Furthermore, this has been ongoing with OppLoans and they have not addressed any of my concerns and I demand that this credit file be removed from my credit report for several inaccuracies mentioned and included in this complaint. In addition, the loan was apparently sold to a company named XXXX XXXX and the complaint and response from XXXX XXXX is also included in this complaint. 

According to 15 US Code 1681s-2- Responsibilities of furnishers of information to consumer reporting agencies, Opp Loans has neglected to address any of my concerns and have failed to provide accurate information to the data furnishers and Credit Reporting Agencies such as Reporting information after notice and confirmation of errors ( a copy of the 15 US Code 1681s-2 is also included in this complaint ) Additional copies include my credit report with the inaccuracies listed such as showing a charge off and a past due balance which is a clear violation of the FCRA.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus last XX/XX/2023, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again 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

In accordance with the Fair Credit Reporting Act, XXXX, Account Number XXXX XXXX, Account Number XXXX XXXX XXXX XXXX, Account Number XXXX XXXX Account Number XXXX XXXX, Date of Inquiry XX/XX/XXXX XXXX, Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX, Date of Inquiry XX/XX/XXXX XXXX XXXX, Date of Inquiry XX/XX/XXXX XXXX, Date of Inquiry XX/XX/XXXXXXXX XXXX, Date of Inquiry XX/XX/XXXX XXXX, Date of Inquiry XX/XX/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 an 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. 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: Debt collection

Portfolio Recov Assoc has attacked my credit file with false reporting. They initially reported an owed amount that was discharged years ago. Once i challenged/disputed the legitimacy of the inaccurate information they changed the amount for another made up and unsubstantiated figures and re-reported it against my credit file. The have never provided any information regarding who they are or why they are reporting false information on my report. They are manipulating the system by reporting thousands of dollars owed and when challenged changing the amount to appear as a lesser and current debt. Furthermore they make it impossible for a consumer to identify them and hold them accountable due to the willful misrepresentation of their name. It is unclear if they are Portfolio Recovery Associates Inc or Portfolio Recovery Associates LLC. They report as Portfolio Recov Assoc.
Product: Credit reporting, credit repair services, or other personal consumer reports

All my personal information for all three credit bureaus was not correct.
Product: Debt collection

A company named AFNI called me and stated that they were collecting a debt for XXXX XXXX XXXX. I have not had an account with XXXX XXXX XXXX for many years. I looked online and found several posts about AFNI attempting to collect fraudulent debt. I called XXXX XXXX XXXX and they confirmed I did not have an outstanding debt nor had they reported me to a collections agency.
Product: Credit card

On or about XX/XX/XXXX I applied for a Wells Fargo Active Cash Visa card. I am XXXX years old and I do not recall ever being late on a payment my whole life and normally I pay all credit card balances in full each month on or before the due date. I have over a 800 credit score and I have about 5 active credit cards, all of which will vouch for my credit history. I do not have a mortgage on my home so debt ratios are not a factor. 
Wells Fargo about two weeks later, sent me an email asking me to provide W2 's and I presumed this was due to age discrimination since they clearly could determine by my credit report that my credit score is over 800 and there had never been any late payments or defaults. I called Wells Fargo and informed them I wished to withdraw my credit application as I was not going to submit W2 's due to my credit score and record. I was concerned about impacting my flawless credit and thus the reason for the withdrawal request. Wells Fargo would not give me an answer over the phone. 
ON XX/XX/XXXX, I received a denial of credit notice from Wells Fargo. I replied back via email and the message bounced back. I then called Wells Fargo and told them I was going to file a complaint with the CFPB and the OCC. They said they would get back to me and I have not heard back. This is clearly age discrimination and their refusal to not allow me to withdraw my application will impact my impeccable credit history. The simple solution is to allow my credit application to be withdrawn and this problem goes away but Wells Fargo chose to force me to file complaints with both the OCC and the CFPB. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Nv XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

transunion has not updared my credit report according to the cfpb federal regulations and i want XXXX and XXXX updated according to the creditor account web site.
Product: Credit reporting or other personal consumer reports

I am a XXXX  of identity theft. I am writing to appeal that you block the following false information from my credit report. I have no knowledge how the theft took place. I also have no awareness of any suspects. I did not obtain any money, goods, or services as an outcome of identity theft. Please inform me if you want any other material from me to block this information from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX