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

I appreciate your assistance in getting some of the fraudulently obtained data from my credit file removed, but there are still items that need to be blocked or removed. You must remove all records listed on an ID THEFT REPORT in accordance with FCRA section 605 of the regulations. I am proactively including this report again because I proactively remembered it for a previous letter. I have informed my attorney of my intentions, and they are willing to hold you accountable for your persistent disobedience. 


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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX{$340.00} XX/XX/XXXX XX/XX/XXXX {$1300.00} XX/XX/XXXX XXXX XXXX XXXX {$1500.00} XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$14000.00} XX/XX/XXXXXX/XX/XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act has violated my rights. 
Sec. 4021. Credit protection during COVID-19 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

WELLS FARGO DEALER SVCS refuses to delete an unverified unauthorized fraudulent account from 3 major credit Bureaus. I have disputed this account multiple time dating back to XX/XX/XXXX 
After contacting Wells Fargo it seems that this is a joint account. I informed them that I did not signed for a car and asked if they could show proof of me signing a contract and they have not provided it to this date. The loan account is {$53000.00}.
Product: Debt collection

I recently pulled my credit report from all XXXX agencies. I noticed a collection listed from Ability Recovery Services with 2 accounts that I did not recognize. Acccount ID : XXXX for {$52.00} and XXXX for {$52.00}. On XX/XX/XXXX I sent a certified letter to the Ability Recovery Services requesting  validate the debt. On XX/XX/XXXX, I received a letter from the company with a printout of a bill. On that bill it states that the XXXX XXXX Due amount is XXXX. Then under that it states under creditor information that the current balance is {$52.00} for both accounts. The printout does not state what the charge of {$52.00} for both accounts is for. I sent another certified letter which was picked up by someone at Ability Recovery Services XX/XX/XXXX at XXXX. In that letter I requested that the company provide me a breakdown of the fees, what the fees were for, who and how it was verified and verification of a HIPPA authorization. I have not received any documentation or response from my letter since it was received by the company XX/XX/XXXX.
Product: Debt collection

I received a debt collection letter by ARstrat for the amount of {$43.00} to collect from XXXX XXXX. I have never received any billing statement from XXXX and suddenly I got a letter to collect an amount that I dont even know about. 

I have called XXXX to asked about the amount owe and the lady didnt explain anything and said I will remove your account information from the debt collection. I asked about confirmation number to indicate that it has been removed but she only provide her name and the location she works. I've been dealing with XXXX XXXX billing department for the last two years on billing amount that I dont owe as it should have been paid by my healthcare.
Product: Checking or savings account

A month ago I requested a new personal debit card because I lost my card. I went to the branch and was told they no longer issue temporary cards. I was told I need to wait XXXX weeks to get the new card. I waited that length of time but never received the card. I went back to the branch and was told the was a system error that they were aware of causing parts of my address to be cut off, so the card wasn't sent out. I verified my address and was told a new card would be sent out within XXXX weeks. It's now been over XXXX months I have been waiting for a new card. I went to the branch and was told I would have to pay {$5.00} dollars to have the expedited in which I declined because this isn't something I should have to be for. They said they are unable to waive the fee. There are other changes including charging us for account inactivity. It isn't right to do these things to customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX Balance : {$0.00} XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

transaction occurred on my account that was fraud, amount XXXX and I called my bank " chase '' with in days matters and issued my claim and a day. later I was told because I log in my account and did not report right away they denied my claim and I 'm not able a refund! witch is crazy because it was not me
Product: Vehicle loan or lease

I borrowed $ XXXX in XXXX for a XXXX XXXX XXXX XXXX. The term of loan was 48 months. The APR was 30.98 %. Arizona state law limits all auto loans over $ XXXX to be up to 10 % APR. 

For almost six years ( 72 months ) I've been paying $ XXXXmonth, which is well beyond the principle loan amount for a car that doesn't run. 

Presently, I've paid around {$15000.00} for a {$5000.00} car ; not including the full coverage car insurance ( $ XXXX. XXXX. Even with the 30.98 % APR the loan was supposed to be around {$10000.00}. I have paid triple this amount beyond the scope of law.
Product: Debt collection

Hunter Warfield Inc XXXX XXXX XXXX XXXX XXXX FL XXXX Tel : XXXX Alleged Debt Owed : {$4100.00} Original Creditor : XXXX XXXX XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT AND INQUIRY WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). XXXX  HAS NEGLECTED TO HONOR MY REQUEST TO DELETE THESE ACCOUNTS AND INQUIRIES THAT ARE A RESULT OF IDENTITY THEFT AND BY LAW ARE REQUIRED TO PAY ACTUAL DAMAGES. I WILL TAKE ALL LEGAL ACTION, PLEASE APPLY 15 U.S. Code 1681 TO MY CASE.
Product: Debt collection

I received a demand for payment of {$1100.00} on XX/XX/XXXX, from Hunter Warfield threatening to charge 6 % interest ( which is illegal in my state ) if the debt was not paid in 30 days. These charges stemmed from my prior landlord XXXX XXXX. I had just moved out XX/XX/XXXX and never received any communication requesting payment prior to the communication sent by the collection agency, Hunter Warfield. I sent Hunter Warfield communications disputing the erroneous charges XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. These communications also requested validation of the debt. Hunter Warfield responded but never validated any of the disputed charges. XX/XX/XXXX, collections for these false charges were added to my credit file claiming I owe {$1200.00}. These false charges were reported to the credit bureau ( s ) and are now negatively impacting my credit and my livelihood.
Product: Debt collection

XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, representing XXXX XXXX, sent correspondence related to an alleged debt to an address that I havent resided at in over XXXX years. The letter had a deadline of XX/XX/year>, to respond and request debt validation. They prematurely demanded payment on XX/XX/year>, as well as additional threats. 

Even though the initial letter was sent to an incorrect address by XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, representing XXXX XXXX, I responded to the letter and asked them to validate the debt on XX/XX/year>. The alleged debt was never validated, I have been sued, and have not received a single piece of correspondence from either company related to the alleged debt at my address, nor was I ever served any papers. 

I found out that XXXX XXXX  had a default judgement against me, writs of garnishments, and liens that they were pursuing. XXXX XXXX  and XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX were perusing these even though they know with certainty that I was not properly served. 

The judge has officially disposed the case.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX XXXXXXXX had 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 cannote 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: Checking or savings account

I received a check from the bank XXXX XXXX and deposited to my bank, Chase. Chase then suspected fraudtold me the check had already been deposited, wouldnt release funds, froze my accounts. I have proof the check was cleared at XXXX XXXX. Chase is now closing my account, not giving me the money, and said they will send me any monies owed to me!! I have no way to obtain any money right now. This was a check drawn against my fathers trust/will.
Product: Debt collection

I asked for my signature which resulted in this claim against me nothing. The document that they sent to this address still does not identify this is me a. Letter of validation proving you sent this to this address does not justify this is me. There is no proven evidence so please state evidence regarding my signature and the following Original purchase agreement that shows you are the legal owner of this debt please include all terms in conditions that are included in this purchase agreement. 15 U.S.C states that compliance procedures need to be followed if none is followed this will indeed be in Violation of the consumer Please provide the following within 30 business days if not please remove : chain of assignment, insurance claim of debt, My signature, and Foward Flow Agreement by Law under the FCRA AND FDCP you have 30 days to respond if reached you will seek another Violation.
Product: Debt collection

They contacted my son at work twice on his phone even after he told them, that was n't his number and he was at work.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX along with XXXX and Equifax all have improperly reported a late payment on an open ended credit plan without formally providing me written notice of the options I as the consumer can exercise to opt out of this information being reported. Per the following law, I was never afforded the opportunity to opt out of the reporting as I would like.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

Also, the reporting of the late payment is also in direct violation of 15 U.S. Code 1666b - Timing of payments which states : ( 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.
Product: Credit reporting or other personal consumer reports

State of California XXXX of united states Affidavit of XXXX XXXX I, XXXX XXXX, residing at XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, being duly sworn, declare and affirm under penalty of perjury that the following statements are true to the best of my knowledge and belief : I am the individual whose personal information is associated with this affidavit. I am submitting this affidavit to formally dispute incorrect and unauthorized addresses, names, and employment records that appear on my credit report. 

* 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 XXXXXXXX I do not recognize or have any association with the following employers listed on my credit report. These employers are inaccurate and must be removed : * XXXX XXXX * XXXX XXXX * XXXX * XXXX XXXX I do not recognize or have any association with the following names listed on my credit report. These names are inaccurate and must be removed : * XXXX XXXX * XXXX XXXX * XXXX XXXX XXXX XXXX XXXXXXXX I hereby request that the above-listed inaccurate addresses, employers, and names be immediately removed from my credit report as required under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ). These inaccuracies harm my financial reputation, and I demand that they be investigated, corrected, and removed within the legally required timeframe. 

I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. 

Date : XX/XX/year> Signature : XXXX XXXX
Product: Debt collection

FCO claims I owe a debt to XXXX XXXX XXXX XXXX. I have contacted XXXX XXXX XXXX   XXXX and was told they no longer own the property and XXXX does. I called the company and was told that it was a application that I was supposedly did online which I did not. They are also shocked it went to collections and that they no longer seeking money even if I did it! So the only people collecting the money is the collection agency when I never applied I can show verification where I was living. So this account is not mine and sorry they are collecting or trying to collect money from a debt that isnt mine
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, I am writing to dispute the following information below thats on my Equifax credit report : Bankruptcy Per Equifax states that on XXXX XXXX, XXXX they verified with XXXX that a bankruptcy was on my file. However I have attached proof that the information is not true. Equifax did not verify such information because there is not a bankruptcy reporting on XXXX and my file has a security freeze that was placed on my account XXXX XXXX, XXXX. I have also attached proof of that as well. 

My concern is that we put trust in a company such as Equifax that has the power to affect consumers wellbeing and quality of life but theyre not following the Fair Credit Reporting Act, something needs to be done about this. Im just looking for some help and relief to get this matter resolved as soon as possible and the bankruptcy deleted from my credit report. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

There is company called Tower Loan who states that a cheque was sent to me at my address. I do not have any relation with company Tower Loan earlier as well as in current time. Neither I have contacted them, nor I have placed any request for issuing check on my name. So, no relationship between me and Company TowerLoan at all.

Though they have issued a cheque on my name and sent to my address. I have never received any cheque from Company TowerLoan as well as I have not cashed out that cheque. I got to know about whole this sequence when they called me and asked of cashing cheque. I said, I do not know about this, and I have not cashed out any cheque. As per company, it was cashed out that means it was stolen and cashed out. 
Recently, I got to know from my local USPS office, my community mailbox is vandalized, and they have stopped delivering any mails to mailbox. 

Company TowerLoan was asking me to come at their office and sign Fraud affidavit with them so they can take money back from Bank and it is win-win situation for both of us as i would be free of this discussion. I declined and strictly said I will not sign any fraud affidavit with your company since I do not have any relationship with your company. Further, I lodged a complaint with local police for fraud happen on my name. 

Regularly, I am receiving calls and text messages from Company TowerLoan that I need to go to their office address to sign Fraud Affidavit else late fines will be added to my account and it will report to my credit history. I replied it is already filed with local police. I am ready to share complain no. Company person who called, said, we do not work with them. 

Company Tower Loan still insisting I need to sign Fraud Affidavit else my credit history will be impacted. My simple answer is that I do not know you at all. Why should I come to your office and sign affidavit? Second, how this company knows my SSN details which is very secure and without my consent they have used it to issue cheque on my name. Company TowerLoan has responsibility to track the person who cashed out and recover amount. However, instead of doing that, they keep calling me and making me panic and harass.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to try and get a car and was told there are bankruptcies on my credit. This information is not correct as I have never filed for Bankruptcy ever in my life. Please have bankruptcies removed from my credit immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive contacted XXXX & the Creditors as well. Theyre response is to contact one another. XXXX tells me to contact Creditor. Creditor tells me to contact XXXX. 

XXXX XXXX XXXX : XXXX / XXXX XXXX  : XXXX / XXXX / XXXX GM FINANCIAL : 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 didnt not authorize any of these creditors to have access to my account. I did not seek credit with any of them. These inquiriy attempts were made without my knowledge.
Product: Student loan

I have a private student loan with Wells Fargo. I am the borrower and my Father is the co-signer on the loan and he filed Chapter XXXX Bankruptcy on XXXX XXXX, XXXX. However, I continued to make payments on the account. I tried to make a payment on-line one day but was unsuccessful. I contacted the bank but they would not talk to me. As a result, my Mother contacted the bank on XXXX/XXXX/XXXX to inquire why I could not make any payments. We discovered that they had charged-off the account. The Bank charged-off the account after the bankruptcy filing date. As a result, the bank discontinued communication with me and my Father. On XXXX/XXXX/XXXX, we spoke with XXXX XXXX, who agreed to remove the charge-off status and that the account would be suppressed until after settlement of the bankruptcy. The Bankruptcy has not been discharged. In addition, they are receiving Trustee payments. My complaint is that they have reported my account as a charge-off which has had a derogatory effect on my credit and I 'm not able to obtain additional funds for XXXX school for it appears that I 've defaulted on a student loan.
Product: Credit reporting or other personal consumer reports

I was asked to do a voluntary move out and I did just that but they are reporting as a eviction XX/XX/2022 and I called them they told me to reapply to move back I also asked management why is this reporting as a eviction and they replied its not it was a voluntary move out they also sold my information to a creditor who has been calling and harassing me
Product: Money transfer, virtual currency, or money service

In XX/XX/XXXX I contacted cash app about a transaction that was put through a few transactions actually that were put through on my card from the XXXX hotel I contacted the XXXX hotel and to find out what these charges are for and they were for things that I do you had no part in extra charges to the room that should not have been there they were very hard to contact and not willing to communicate back with me this is the very beginning of the pandemic so I notified cash app and try to attempt to open up a claim him on that charge and cash app kept giving me the runaround and kept messaging me back in like asking questions about the transaction even though I gave them all the information they needed. In the end they never opened up our claim for the for these charges fast forward to the last few weeks I contacted them again about these charges and they said I didnt contact them within the timeframe if they allow however I sent them an email showing that I didnt contact them regarding the issue and they do not wan na have any part in it I dont wan na hear about it In addition to that Im not able to access some of the statements that are they have online for me and I asked them for a paper copy and they refused to send me a paper copy I just dont know what to do at this point and I would like to have my money back for the transaction I tried to open a claim on and on my follow their rules and I contacted them and they never did it on their end its very hard to contact him because he can only do so by email you can not call them they will not call you they will not contact you or do anything like that and its very very difficult him to fix some thing with them theyre rude and Im noxious and their emails and condescending saying oh so happy to help you like in while Im angry in my messages its a really horrible They confirmed with me last month the charges im disputing After double checking at your account, I can see XXXX THE charged {$120.00} on XX/XX/XXXX at XXXX XXXX  CT, {$50.00}, {$25.00} and {$25.00} and {$76.00} on XX/XX/XXXX, more than 60 days ago. 

I quoted part of the email message that they sent to me him in XXXX however the previous year in XXXX I contact them multiple times to try to open this claim in every single time I was met with him instructions on how to open the claim even though I told him I want to open a claim and I will call them both for the charges on where it was the score and the reason it was for I even sent them an email from the XXXX hotel Im showing that they were being difficult with me and that I had contacted them to prove that I contacted them them