23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I received a form 1099 today from Wells Fargo, they reported an amount of {$5100.00} ... I believe this amount is from a check which was not received and appears to have been intercepted by a third party, signature forged. A separate CFPB complaint number, XXXX, is currently on file in regard to loss of this check as well as amount of it which appears to have been low-balled. The offer amount, {$3700.00}, is less than what other former Wells Fargo customers received with lesser damages than myself.. The amount, {$5100.00}, includes IRS taxes which Wells Fargo reported despite no funds received.. Further, I continue to sustain damages from accounts which were not authorized and opened in my name which includes unable to open accounts with other banks. I've been denied several times and most recently, a money market account also denied opening.. A letter was sent to me from Wells Fargo stating information was recently removed from a consumer reporting agency with regard to one of the  unauthorized accounts, this was supposedly done prior, it was not. This notice was received on Monday, XXXX. I spoke with XXXX in mediation the same day, explained the offer was low-balled and consumer information was not removed prior and have been unable to open accounts due to it. Further, I explained no check was received and it appears it was intercepted by a third party, signature forged and cashed in my name..He did not seem to want to move on the matter such as offering a renegotiation or any other type of compensation due to circumstances. He denied offer amount was low-balled, information reported which I have a letter stating otherwise. Also, he said the signature on check appeared to be mine but he is not a handwriting expert, then contradicted himself saying I signed and deposited it to a Wells Fargo account which I do not have.. Since he is not a handwriting expect he could not know I signed it which I did not and deposit it into any account.. The last account with Wells Fargo or any other bank was closed in XXXX or XXXX, I believe. I've been using a pre-paid account since and the deposit amount limit is $ XXXX..Needless to say, I could not have deposited the amount, {$5100.00}. Since XXXX appeared to be unwilling to move, I am circling back with the CFPB here and request Wells Fargo remove information reported to IRS on this 1099. I have field my XXXX taxes and will more than likely get a notice back from IRS stating there is an error due to this information..
Product: Credit reporting or other personal consumer reports

LVNV FUNDING IS NOT LICENSED TO COLLECT ON DEBT IN THE STATE OF ALABAMA Account : XXXX  XXXX XXXX NOTICE TO CEASE AND DESIST You are hereby notified to immediately cease communications and reporting on my credit report concerning the collections and the alleged debt associated with the account referenced above. This letter serves as a written request pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). 
I dispute the validity of the debt that you claim I owe and request that you provide verification of the debt, including the original creditor 's name and address, the amount owed, wet ink signature, My fingerprints, Original contract, and proof that you are licensed to collect debts in my state ( if you are a debt collector ). Until such time as you provide verification of the debt, I am exercising my right to cease and desist all collection activities. Please furnish evidence and proof not statements on how you verified the debt. Statements are hearsay in the court of law. 
Please do not send any statements. I will question the authenticity of any statements sent. I demand removal for failure to produce the original contract. It is alleged debt until it can be proven. With no supporting evidence it must come off the report. 


Furthermore, I am requesting that all communication regarding this debt be conducted in writing only. Please do not contact me by phone, email, or any other means except in writing. Any further attempts to collect this debt without providing verification or in violation of the FDCPA will result in legal action being taken against your agency. 
IF YOU OR ANY OTHER AGENT OF YOUR COMPANY ATTEMPTS TO CONTACT ME OR CONTINUE REPORTING THE ALLEGED DEBT, A FORMAL COMPLAINT WILL BE FILED WITH THE FEDERAL TRADE COMMISSION. 
Please move forward with the above request. Failure to complete request I will sue for each violation not limited to but including reporting information without my consent, invading my privacy, and defamation of character under permissible purpose ( 15 usc 1681 ) In closing, please acknowledge receipt of this letter and confirm that you have ceased all collection and reporting activities on this debt. Failure to comply with this request will result in further legal action. 


Sincerely, XXXX XXXX
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting and XXXX  account XXXX XXXX {$10000.00} has violated my rights 15 U.S.C 1681 section 602A stats I have the right to privacy. 
15 U.S.C 1681 section 604A section 2 It also state consumer reporting can not furnish a account without my written instructions.
Product: Credit card or prepaid card

XX/XX/XXXX Three charges were made on my card in California when I was in Arizona. 
XX/XX/XXXX - XXXX  {$110.00} XX/XX/XXXX - XXXX XXXX {$61.00} XX/XX/XXXX XXXX XXXX {$21.00} I saw the charges and reported them to Capital 1, canceled the card and they opened an investigation. XX/XX/XXXX I received a letter saying they didn't believe it was fraud and left the charges on my account. I called the fraud department and they wouldn't help me, I still have these charges on the account. I have not used this account since. I don't even have a physical card. I did not receive a new one. I offered to share any proof that I was not responsible for these charges, as I was not even in the same state and there are no other authorized users but they didn't care. 
This morning XX/XX/XXXX I woke up to a text from capital one about a suspicious charge, I opened my account and there were somehow 5 charges at a a XX/XX/XXXX and a casino in XXXX. 
XX/XX/XXXX - XXXX {$1.00} XX/XX/XXXX - XXXX {$6.00} XX/XX/XXXX - XXXX {$63.00} XX/XX/XXXX - XXXX {$30.00} XX/XX/XXXX - XXXX {$1.00} XX/XX/XXXX- XXXX XXXX {$430.00} I called immediately, notified the agent that this was fraud, and asked how it could happen as I have no card activated. He did not give me any explanation but just opened another report. I asked to confirm the card is cancelled/deactivated. I asked for email confirmation but they won't send me anything but a letter. 
The agent on the phone informed me a card was sent on XX/XX/XXXX. I never received a card. I did not activate any new card, and I have now locked my account online. I told the agent this but he did not have any answer for me on this. He kept reading whatever script he had and I didn't receive any helpful information. 
I have been with this company for 6 years and have not had an issue until now. I am so disappointed in the customer service and can not afford these charges that were not me, but are fraud. I don't know what else to do but report this here.
Product: Debt collection

The company Hunter Warfield, with account number XXXX, is blatantly violating multiple consumer protection laws designed to safeguard individuals like myself against the intentional disregard of basic consumer rights. 

Firstly, according to 15 U.S. Code 1681b regarding Permissible Purposes of Consumer Reports, I never provided written consent for any reporting on my consumer reports. This absence of consent constitutes fraud.

Secondly, under 15 U.S. Code 1692j, which addresses the Furnishing of Deceptive Forms, I am not participating in the collection of the alleged debt. I demand an immediate cessation of all activities related to this matter.

Thirdly, under 15 U.S. Code 1602 ( p ), pertaining to the Unauthorized Use of Personal Information, it is essential to note that even without receiving a tax form 1099-C, cancelled debt must be reported as gross income as per IRS guidelines . Therefore, labeling a charge-off as income, as done in the reporting of this account, is inaccurately handled.

My own investigation and research into legal cases have revealed numerous instances where consumers faced similar issues. Courts consistently ruled that credit reporting agencies can not merely echo information provided by creditors or collection agencies. They are mandated to conduct independent, reasonable investigations to verify the legitimacy of debts and the credibility of involved parties. 

Sending out generic forms via the e-Oscar system, devoid of any specific details pertaining to my dispute, falls short of the requirement for reasonable investigation. Furthermore, in accordance with 15 USC 1681, everything on my consumer report must be 100 % accurate. However, there are several inaccuracies regarding the reporting of this erroneous account, including discrepancies in the date last active, date opened, and dispute status. 

In light of these violations, I demand immediate corrective action and a cessation of any further erroneous reporting.
Product: Payday loan, title loan, or personal loan

The ACIMA CREDIT FKA SIMPL account with the account number XXXX marked as Charge-off with an identified balance of {$1300.00}. However, a charge-off account should have a {$0.00} balance so, my question is why does this account have a specific amount? Moreover, another error is found in the account 's " Date of Last Activity ''.
Product: Credit reporting or other personal consumer reports

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company 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 MONTHS REPORTING LATE 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. 

This company 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 XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  Account # 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 or other personal consumer reports

On XX/XX/year>, Capital One credit card reported my credit card account as closed due to inactive. This is not correct. I have had my Capital One credit card for over 10 years and I have used it consistently. The last purchase I made with the credit card was yesterday, XX/XX/XXXX. I have called several times today, XX/XX/XXXX, to get assistance with having this issue corrected and resolved. I was told I would need to mail a letter with detail information of my dispute regarding the issue and include all three of my credit reports. This is very time consuming and costly, when I am not the one who made the mistake. 
I would like Capital One credit card to research and correct the issue that was made by their employees. My credit score has dropped over a XXXX points because of their error of Capital One credit card - data furnisher department.
Product: Credit reporting, credit repair services, or other personal consumer reports

hard inquiries made without my authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$5500.00} XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Response to an insufficient validation statement/letter they sent to me. I have asked the company several times to validate this debt and they have not. 
This collection is not accurate or can be validated. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the alleged debt. I ask that you provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for. 
Documentation that shows I agreed to pay this debt with my signature and documentation shows I gave you permission to have my information and paperwork showing I gave you authorization to report this to my credit report. No consent to you having my information and unauthorized use of my social security number is identity theft and you will be reported for such. The Agreement that grants you authority to collect on this alleged debt. A copy of your state license, including license number that give you rights to collect in my state. The purchase agreement showing where I signed something. This is fraud because you are unknown to me I never did business with you. 

7. ( Senior Executive from your office to Swear under penalty of perjury this corporation were present during the alleged debt you nor I can validate this because we wasnt present ) 8. ( The Original Promissory Note on this Alleged Debt ) Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act and FDCPA. 

Also you have committed the following FDCPA Violations you are sending deceptive forms making false belief that I owe you. 
15 U.S. Code 1692j - Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. I am not participating in the collection of this alleged debt. 
Stop contacting me about this or any other matter you have. cease and desist ASAP and delete this account from my credit reports, except to provide me with accurate validation of this debt by U.S. mail only not the same insufficient docs you already sent.
Product: Credit reporting or other personal consumer reports

Please see attached documentation to meet demands in a timely fashion. PLEASE DO NOT SEND ME A LETTER VIA MAIL SAYING YOU DO NOT RECOGNIZE OR DO NOT THINK THAT IT IS INDEED MYSELF, XXXX XXXX XXXX AND YOU CANCEL THE COMPLAINT!!!!! I HAVE SUBMITTED MY ID AND MY SOCIAL SECURITY CARD AS VERIFICATION THAT I, XXXX XXXX XXXX, AM SUBMITTING THIS ALONE WITHOUT ANY THIRD PARTIES OR INFLUENCE!!!
Product: Checking or savings account

I have discovered a security flaw in Chase Bank 's online system. I have tried repeatedly to get Chase personnel to pay attention to this, without success. The attached letter explains the situation and provides backup documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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
Product: Debt collection

I was not given a written notice from Coast to coast financial regarding an alleged debt that occurred in XX/XX/2013.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint against transunion credit bureau. Transunion failed to ignore a proof copy of my validation letter i sent to the collection agency innovative recovery dated on XXXX XXXX showing that they did not validate the alleged debt. I sent copies to transunion of the validation letter dated on XX/XX/XXXX and asking and in writing for removal of an unvalidated and inaccurate alleged debt from my credit report that innovative recovery was reporting. On XXXX XXXX i received a letter from transunion dated on XX/XX/2020 stating the alleged debt was accurate. This is a violation on both parties the collection agency " innovative recovery '' and also transunion.As a consumer my rights were violated and was never given the information i requested from innovative recovery and transunion flat out ignored the validation letter.The debt was never validated in my validation letter i sent to innovative recovery. And i asked transunion for removal and they also failed to do so after i showed proof that the collection agency never validated the alleged debt. So therefore further action are going to be taken against transunion and innovative recovery.. How does transunion investigation comes back accurate and the alleged debt was never validated that was requested from the consumer..Thats my right to ask for complete validation and my request was never honored ...
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX should not be reporting each inquiry listed on my credit report as a separate line item. ( Please see pages attached. ) These multiple inquiries are well within the 14 45 days that is typically allowed to check different lenders and find the best loan. These inquiries are all the same lender and therefore should only be reporting as ( 1 ) line item. All of these inquiries are of like kind. They are not separate, individual entities. This reporting of multiple inquiries is seriously harming my credit score and these line items need to be removed and report only as ( 1 ) inquiry. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX XXXX XXXXXXXX XXXX  acct # XXXX which I voluntarily CLOSED which acct is listed as CLOSED on its web page but my acct is still inaccurately reported as OPEN on my XXXX, Equifax and XXXX XXXX credit reports despite my CFPB disputes. In fact, on XX/XX/2023, XXXX sent me a report stating XXXX XXXX XXXXXXXX XXXXOutcome : Remains - The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. My account is CLOSED and continual reporting of my account inaccurately as OPEN and false certifications constitutes willful violations of the FCRA and Metro 2 compliance protocols subjecting violators to {$1000.00} statutory damages per willful violation. Kindly reinvestigate and either promptly report my account as CLOSED at consumers request or permanently delete my account and block access to the violating furnisher. The FCRA and Metro 2 protocols require prompt and immediate mid cycle reporting an account as Closed when requested by the consumer by phone or otherwise. False certifications and sloppy investigations shall not be tolerated. Similarly, as if XX/XX/2023, my Equifax and XXXX XXXX reports continue to inaccurately report my account as OPEN.
Product: Credit reporting or other personal consumer reports

I have always maintained an impeccable payment record with the company, with all my payments set up on XXXX. This reported late payment is due to a system error on their part during payment processing. 

This billing error by the company does not reflect my payment history and violates USC Code 1681eb. This mistake has severely impacted my reputation, character, lifestyle, and my family.

I insist that the late payment listed in the MONTHS REPORTING LATE be removed immediately.

The company is not complying with 15 USC 1666b, which outlines the standards for treating a payment as late. They incorrectly reported my payment as late without following the law.

15 USC 1666b ( a ) specifies that a creditor can not consider a payment late unless reasonable procedures ensure that the periodic statement, with required information per section 1637 ( b ), is mailed or delivered to the consumer at least 21 days before the payment due date.

The company failed to send the periodic statement and disclosures as required by section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the due date in good faith under rule 1002, but it has never been provided.

This situation is unfair, illegal, fraudulent, and unjust to me as a consumer. 

I demand the removal of the late payments from my consumer reports.
Product: Checking or savings account

I received a deposit for {$10000.00} and {$7000.00} and they froze my account and refused to release my funds or talk to me