23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Before I proceed with hiring an attorney to investigate this case, I kindly request that you remove this item from my credit record with all credit bureaus. To clarify why I know I don't owe XXXX anything, I suggest you carefully read the following explanation. I may have reiterated certain points to ensure that the seriousness of this matter is fully understood. 

For your information, I possess old bank statements that demonstrate my payments to XXXX, which will align with my XXXX account records. These statements serve as evidence that my account was up to date. If you claim that XXXX provided you with information suggesting otherwise, I demand that you provide me with proof of their allegations. Failure to do so may result in legal action against you. 

While I believe that Southwest or XXXX is responsible for this harassment, Southwest must present any correspondence they received from XXXX, including the notices they allegedly mailed to me ( along with the corresponding address ). Furthermore, I require a detailed explanation of the nature of this " collections '' account. 

I have chosen not to email Southwest regarding this matter, as I have already disputed their claims multiple times in the past. I have endured three years of relentless harassment, and I want to emphasize that I do not owe them anything. If you persist in harassing me and negatively impacting my credit, I will have no choice but to involve my attorney and pursue legal action against you. 


I am writing to dispute the following information in my file. I have circled the items I dispute on the attached copy of the report I received. 

This item XXXX XXXX XXXX disputed by XXXX  ( XXXX ), for {$250.00} opened XX/XX/, Internet/cable, is inaccurate because I moved to New York where XXXX does not serve this area. XXXX told me that I wont be charged for anything and then they showed up on my credit. We were on a recorded line so that should be reviewed. I also made a {$25.00} payment to a future bill and did not receive a refund. I was told that I would not be charged because I did not cancel the service. I had my service paused while my items were in storage then called them to start service in XXXX where they do not serve.. NEVER CANCELLED. This charge is a fraud. I can not control where I move and where they can not serve their customers. I will be forced to file a complaint if this keeps destroying my credit. 

Reported By : Southwest Credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX I have disputed this many times and they still won't stop harassing me. 

" Here are the supported documents showing that I do not owe XXXX anything. I paused my account in XXXX during my move ( until I received a new address ). I also paid an extra XXXX dollars which I want back. Then I called them to turn on my service in XXXX XXXX XXXXXXXX. That is when they told me they do not serve NY. They told me I did not have to return any equipment or do anything. XXXX sold this account to Southwest and have been messing up my credit for a couple of years now. '' Thank you.
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 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 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.

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 S.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating XXXXto a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information in inaccurate.
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. I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Also under 15 USC 1681 section 602 a states I have the right to privacy. Also under 15 USC section 604 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. 

Account name : XXXX XXXX XXXX, opened XX/XX/XXXX XXXX {$270.00} Account name : XXXX XXXX XXXX, opened XX/XX/XXXX XXXX  XXXX {$390.00} Account name : XXXX XXXX XXXX, opened XX/XX/XXXX XXXX XXXX XXXX XXXX. {$1200.00} Account name : XXXX XXXX XXXX XXXX. opened XX/XX/XXXX XXXX XXXX XXXX. {$1200.00} Account name : XXXX XXXX XXXX XXXX. opened XX/XX/XXXX XXXX XXXX {$1700.00} However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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

On or about XX/XX/2021, Me and my fiance ' provided a background screening report to XXXX to be considered for a rental apartment home. On XX/XX/2021, I was denied by XXXX due to a past " Delinquent account ( s ), '' -- in which one of the delinquent accounts being XXXX XXXX XXXX XXXXrroneous " 30 days late '' reporting to my credit report. 

Per my prior CFPB prior XXXX XXXX complaint # XXXX, XXXX XXXX resolved this 30 days late dispute in my favor and agreed to send a request to the appropriate credit reporting agencies to update my credit report reflecting the 30 day late/delinquency error.
Product: Student loan

I believe I  was one of the people affected by Navient 's deception with their student loan borrowers. I did n't receive timely informatio n about renewing my income-driven repayment plan, and they kept sending messages through their secure website which I struggled to find and log into and then you have to have a PDF reader to even open them. This caused me to not meet the deadline to re-apply for my income based repayment plan and my loans jumped up hundreds of dollars. I also do n't believe they allocated my payments correctly because it does n't look like anything went towards the principle. All payment we n't towards interest and yet my interest was still climbing. I believe they deceived me in my income-based repayment plans because they had my monthly payments at {$0.00} at one-time but they did not allow me to make any payments since they showed that {$0.00} was owed each month. So my interest continued to accrue but I was n't able to make payments. Then when they did show that I owed, they would n't let me pay more than what the monthly amount was owed so I was never able to pay off more every month so that I could work towards getting my principal and interest down. When I called in they tried to get me to take the forbearance plan so that I did n't have to make any payments but I told them the issue was n't that I could n't make payments but that I could n't afford the hundreds of dollars a month they wanted me to pay.
Product: Money transfer, virtual currency, or money service

WESTERN UNION SENT A LETTER DATED XXXX2017. THE ADDRESS AND NAME TO ME XXXX XXXX XXXX   AND TO XXXX XXXX XXXX STATING CONFUSION.

WESTERN UNION IS IN VIOLATION OF THE DODD-FRAN A CT.

SEE ATTACHED LETTER. REFXXXX
Product: Credit card or prepaid card

In addition to my previous complaint filed XX/XX/XXXX. I have received response simply untrue. 

I had this account since XXXX, there was never an auto pay feature, even if its added recently to the website, this should not be an excuse of what happened prior. This was confirmed by multiple agents of yours over the phone, please check those call records. 

I logged in the account today and also realized all my secure messages were deleted. I have had multiple communication regarding payment issues and uploaded proof of payment scheduled by my bank. Why are they deleted? I saved a few and will upload.
Product: Credit reporting or other personal consumer reports

Requesting access to my credit report online, XXXX, Equifax, XXXX XXXX, Unable to access my report. When I log into Equifax error BLNK, I was told call your agent, in which I did, and was told send in DL, SS, and which I have done with previous dispute, and I requested that you unblock me to have access to my credit information. I provided my Driver 's License, Social Security Card, Bank Statement, my Identity Theft report, and error message.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I pulled my credit report today and after an analysis, I've found some information that needs to be disputed. I'm not sure how to do this other than to send a letter to you and ask for it to be investigated or for you to look into all of this, because I don't understand why it's reported inaccurately to begin with. Aren't you supposed to ensure its accuracy prior to the information being reported on the actual report? I thought that when a creditor sends their accounts to be reported, you're supposed to check their documentation. At least, this was what I read. 

Please also send me a new credit report reflecting the changes that you've made so that I can make my own determination and compare it to the original. I'd also like to see any paperwork that was furnished by any creditor or agent of any company performing the investigation. 

XXXX  XXXX Delete this account because Date of Last Activity does not show the same on all three credit reports. 
Delete this account because Date Opened does not show the same on all three credit reports. 
Delete this account because High Credit does not show the same on all three credit reports. 
Delete this account because Last Reported does not show the same on all three credit reports. 
Delete this account because Date of Last Payment does not show the same on all three credit reports. 
Stop reporting this due to FCRA non-compliance of inaccurate data being furnished on the consumer report XXXX XXXX  XXXX Delete this account because Date of Last Activity does not show the same on all three credit reports. 
Delete this account because Date Opened does not show the same on all three credit reports. 
Delete this account because High Credit does not show the same on all three credit reports. 
Delete this account because Last Reported does not show the same on all three credit reports. 
Delete this account because Date of Last Payment does not show the same on all three credit reports. 
Stop reporting this due to FCRA non-compliance of inaccurate data being furnished on the consumer report
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Experian, XXXX, and XXXX on dates XX/XX/XXXX and another following letter XX/XX/XXXX. All negative activity removed from all three credit bureaus. XXXX, XXXX, and Experian are not complying with their own policies in a timely manner. Also address and name should be updated only to XXXX XXXX XXXX ( always confirming middle intial ) XXXX XXXX XXXX. XXXX, NJ XXXX
Product: Checking or savings account

To Whom it May Concern : I am writing regarding a business checking account with Bank of America. This is now the second time that checks have been put on hold, for vague reasons on Bank of Americas part. This time, we received a letter from the bank explaining A hold was placed on your check ( s ) because check specific information indicates item may be returned.

We deposited checks from this customer a few weeks ago, and the checks were put on hold. They eventually cleared after the bank decided to hold them, also for vague, and multiple different reasons. It is counterintuitive that checks from the same customer would be held again. Especially in light of the account never having experienced bounced checks before. 

I feel as if the bank of targeting this account for some reason. I spoke with a representative last week, regarding a different account, and I was told that Bank of America has experienced a lot of fraud lately. This can be understandable in light of COVID-19 and its economic impact. However, I can not understand why this account would be targeted for check holds when it has never experienced this type of fraud to begin with. Just because there is fraud with other accounts does not mean that small business owners across the board should be looked at. 

If the law allows such a vague reason as specific information indicates item may be returned as a legitimate reason to hold a check, then a veil has been created for the bank to hide behind, without much accountability. 

In the meantime, we will be searching for banking alternatives.
Product: Money transfer, virtual currency, or money service

I applied for a XXXX XXXX  position at the company XXXX XXXX on XXXX. I was contacted a few days later with a scheduled interview. It was an online interview for 30 minutes. I was supposedly selected then a few days later I was sent a check to purchase office equipment for my home. I went to my bank on XX/XX/19 and asked the teller " do you think this is legit? because I am not familiar with positions like this ''. I was told that if the check goes in my account it should be good to go. XXXX contacted me and asked if I was ready, I said no because the money isn't in my account and they said it should be there by tomorrow the latest. I checked and it was there so I thought everything was legit. My next step was to go to my bank and get a cashiers check and take that check to XXXX XXXX XXXX. I explained the situation again " does this seem secure because I am not familiar with this kind of business '' but I didn't receive any warning. I did all this by XXXX on XX/XX/19. The people were suppose to deliver the equipment to me by XXXX. Something told me to check my account. I checked, the funds from the check was gone along with that same amount from my bank account. I called my bank, they told me to go to XXXX XXXX  XXXX and stop the check. I got there at XXXX and told them to please stop the check, something is wrong with this transaction. The lady at the branch told me that it was already scanned. Now here I am. 

I have been trying to get to the bottom of this with XXXX  XXXX XXXX, they sent me a few forms to get signed by my bank ( HSBC ) but they keep telling me that they can't sign anything. I am trying to get to the next step with this issue but my bank is not assisting me so now am trying to see what I can do to resolve this issue.
Product: Credit card

I received a letter stating that someone opened a Dillards credit card in my name. I did not open a credit card. The limit was {$1000.00} - and they spent {$990.00} on it the same day they opened it.
Product: Money transfer, virtual currency, or money service

I placed an add on XXXX for an item I was selling. An individual named XXXX claimed to be interested and sent me a cashiers check for shipping and payment for said item. I deposited the check which was help by chase for a few days, 2-3, and was cleared. I then sent the money using XXXX to the requested shipping company contact that was given. The final total was {$2100.00}. On the XXXX of XXXX the bank returned the check leaving my account severely overdrawn. I contacted both Chase and XXXX and both refused to assist me retrieve my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX XXXX FIN # 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 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication. 

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Product: Credit reporting, credit repair services, or other personal consumer reports

WAYPOINT RESOURCE GROUP , LLC ( Opened XXXX XXXX, XXXX ) add a collection on my credit reports. Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. 
Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me the you are licensed to collect in my state ; Provide me with your license numbers and Registered Agent or Agent of Service. 
Since you are still reporting this account on my credit report, you are now in violation of the FCPDA.I intend to follow through with the suit if I do not hear back from you within 15 days. You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit
Product: Checking or savings account

It was Wells Fargo itself. They were withdrawing a monthly {$10.00} " direct deposit '' service charge which I never initiated. It was the second time this happened, spaced about 4 years apart. It was for a business checking account. 

I have been retired for 5 years and have not used the account for business, and I am absolutely certain I did not initiate the service as Wells Fargo claims I did. As asked for direct proof of how this service was administered, but they could not provide me that. They claim I have to initiate it myself online, but again, it is a process that involves 2nd verification, along with alert messages following. I never any use for this service, and explained that to them both times it happened. 

To make matters worse, they would not refund me the full amount of the service charges ( either time ). Both times I ended up about {$70.00} short ( {$140.00} in total ). It's not necessarily about the money ; it's that this charge was being administered without my consent.
Product: Mortgage

On XX/XX/XXXX I tried to make an additional principal payment of XXXX. My mortgage allows curtailments and prepayments without a penalty. I was told by Wells Fargo representative on XX/XX/XXXX that I first have to make my regular payment first. I asked if I made a payment on XX/XX/XXXX whether my autopay for XX/XX/XXXX would still come out and I was told it would not. I made a regular monthly payment and an additional principal payment of XXXX on XX/XX/XXXX. The Wells Fargo representative was wrong and my regular payment was also taken by Wells Fargo autopay. My main concern is that the second payment also charged interest and escrow rather than being applied to principal in entirety. I object to paying duplicative interest and escrow payments in XX/XX/XXXX. I ask that my second XX/XX/XXXX payment be applied to principal. In addition. Due to wrong advice from WF representative and additional payment processed by WF one of my cc payments was rejected due to insufficient funds
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this complaint with the help of the Consumer Financial Protection Bureau ( CFPB ) to dispute some fraudulent items I discovered on my Credit Report. After reviewing my records, I came across several accounts and information that I don't recognize and believe are not mine. While I'm not sure if this amounts to identity theft, I think it's important to address these discrepancies promptly to ensure the accuracy and honesty of my credit profile. I kindly request the assistance of the Credit Bureaus in investigating and removing the following unauthorized accounts and information from my credit file : 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 Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX  {$13000.00} 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 XXXX XXXX. I want to assure the Credit Bureaus that I didn't open these accounts or give anyone permission to do so on my behalf. As far as I understand, according to section 605b of the Fair Credit Reporting Act ( FCRA ), it is the legal responsibility of the Credit Bureaus to promptly remove any unauthorized and unfamiliar accounts and information from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a victim of the 2017 XXXX data breach my information was leaked on to the Dark web please delete the fraudulent accounts that we opened in my name Capital one {$440.00} capital One XXXX {$550.00} XXXX XXXX {$100.00} all within the 2017 data breach