23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I REQUESTED THAT INFORMATION ABOUT ME BE SHARED WITH ANYONE FOR ANY REASON EVER. CAPITAL ONE STATED THE FAIR CREDIT REPORTING ACT STATED THAT THEY WERE OBLIGATED BY LAW TO DISCLOSE TO CREDIT AGENCIES, LATER THEY CLAIMED THAT I OBLIGATED MYSELF CONTRACTUALLY. 
I WOULD LIKE TO KNOW WHICH AGENT EMBELLISHED TO ME AND WHY. ALSO, SINCE MY IDENTITY WAS STOLEN ON SATURDAY I HAVE RECEIVED COOPERATION FROM ONLY ONE FINACIAL INSTITUTION TO RECTIFY IT AND RECEIVED NO HELP FROM THE DOJ, FBI, OR AG FROM TWO STATES
Product: Credit reporting or other personal consumer reports

This is my Follow up complaints in my request dated XX/XX/2024 that I have tried to resolve the issue regarding the accounts in my credit report. However until now I do not received any responses about my complaints. The following accounts are listed below : XXXX XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

Company is reporting a late payment for XXXX when the vehicle was paid in full in XXXX and never late. This has caused adverse action against me and caused my score to drop drastically. 

Account : XXXX
Product: Payday loan, title loan, or personal loan

We took out the loan in XXXX of XXXX, it was for {$440.00} dollars. It is now XX/XX/XXXX, and the balance owed is STILL {$440.00} dollars despite paying {$110.00} EVERY month for almost two years taken automatically from account, except for XX/XX/XXXX as I froze the debit card they used. I did this once before, but they managed to still take the money somehow.
Product: Credit reporting or other personal consumer reports

I want to be explicitly clear with my request. I am not requesting VERIFICATION of debt ; but instead, I am requesting validation of the debt. It has become increasingly clear that you are being willfully negligent in rectifying my affairs. Over the past year I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act.
Product: Checking or savings account

Have a letter from WF branch manager where she admitted that there is no reason for Wells Fargo to not allow an IRS monthly payment to go through their was more than enough funds so in addition to reversing and refunding fees she did that letter for me which I provided a copy to the IRS. I requested that the IRS not deduct or do any type of transaction with Wells Fargo because Wells Fargo is not ethical theyre too busy being upset and obsessed with a VPN and email purchase that Ive done every month for the last two years which is transparent for everyone in the banking system and lawn force meant to say but somehow magically nowadays theyre just not satisfied. That was their excuse yesterday for blocking my account, yet I have photos and documentation and they can NOT explain why I cant use ATMs really anywhere and they hide behind their excuse. Yet their branch manager admitted that there is no reason for Wells Fargo to not allow an IRS monthly payment to go through since there were enough funds in first place. So in addition to reversing and refunding bank fees she did that letter for me which I provided a copy to the IRS. I requested that the IRS not deduct or do any type of transaction with Wells Fargo because Wells Fargo is not ethical theyre too busy being upset with my VPN and email yet I have photos and documentation and they can explain why I cant use ATMs really anywhere and they hide behind that is their excuse. No I guess yesterday they just decided to allow an XXXX payment to go through isnt that ironic because this entire time for the last three months when theyre wet sponge they didnt want to let it go through to somebody else Wells Fargo and they plan on letting me have a normal checking account like everyone else. If by any chance Wells Fargo doesnt know and they cant answer for their actions its OK they can just say they dont know either. Attached is the letter from the branch manager reverse and refunded everything since well and she is a secretary there is plenty of fun so theres no reason why that IRS payment shouldnt of gone through in the first place. So what does Wells Fargo and everyone have to say for themselves, again if they just dont have an explaination, thats OK they can just be like everyone else and say they dont know either. Let me know if you cant be you that letter heaven forbid.
Product: Money transfer, virtual currency, or money service

I was contacted by someone pretending to be my landlord and asking me to send rent payment via money transfer by ACH direct deposit transfer and had landlord name and email signature on the email. I sent the payment on XX/XX/XXXX  and found out today it was not my landlord contacting me and my rent is still due
Product: Debt collection

Portfolio Recovery Associates LLC, is trying to collect debt that is as removed from all three credit reports due to statute of limitation. This debt was written off by XXXX XXXX then recently removed from all three credit reports. Now this collection Agency is trying to collect debt that I no longer owe. This his debt isnt being reported on any credit report either.
Product: Credit card or prepaid card

Wells Fargo uploaded a completed research letter to CFPB, letter dated; XX/XX/XXXX, showing the 3 fraudulent accounts I have reported to them since XX/XX/XXXX and who are also reporting on my credit reports ; XXXX, XXXX, XXXX XXXX, XXXX, etc. I have reported the fraud to Wells Fargo by sending a letter to them, dated XX/XX/XXXX, which was sent by XXXX Certified Mail with Return Receipt Requested. They did receive this letter but never responded to it. These account were not opened by me nor authorized and demand they are removed from my credit reports immediately. FTC Identity Theft Report is attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for a furnisher account long story short I was denied. I don't understand why I would be because I typically approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. Im unsure of how this happened. I have reached out to the FTC and my local police. I need this items deleted from my credit report. XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX   XXXX/XXXX XXXX, XXXX XXXX. lnquiries : XXXX/XXXX XXXX, XXXX. Im doing this on my own behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized inquiries applied to my credit file. I contacted Transunion 3x and every time I am told to contact the creditors which I have done to no avail. It is a never ending cycle of being told the same thing over and over again to no avail. It has affected me personally and I intend to pursue litigation and hold Transunion liable as they have offered me no recourse. If the inquiries are a " matter of fact '' and the companies were doing account reviews they should be coded as " soft '' not hard inquiries. Under no circumstances are unauthorized " hard inquiries '' allowed to remain a fact of record. Transunion continues to tell me that and that is not true. I have attached the letter of the unauthorized inquires which has been previously sent to Transunion which they have completely ignored. You are told to contact the creditor over and over again and they know that gets no results. If the inquiries are fraudulent, then of course the companies have documentation because they think you authorized it. That does not mean its authorized. Additionally, several companies indicated they were account reviews. If they were account reviews then they should be coded as such. The companies then lie and say they will contact Transunion to remove it or code it as soft but it never happens. This has been going back and forth far too long. I will absolutely take legal action if Transunion ignores my 4th request to remove or correct inaccurate information. If the creditors have been negligent in correcting this information Transunion has a duty to remove it or correct it. This is becoming a little ridiculous. Please see the attachment below to be forwarded to Transunion. 

Thanks, XXXX XXXX XXXX
Product: Debt collection

I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 
2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
4. Proof that the original creditor securitized the debt. 
5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors- [ ] I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX of XXXX XXXX now XXXX XXXX of XXXX XXXX is affecting my credit scores since they informed that I have 3 months in past due after being affected by natural disaster. I completed my 3 months moratorium after the Covid19 started. I started paying my loan as soon as the moratorium ended. I have never pay late this mortgage during 14 years. When I visit the bank in two times with appointments they told me that they are going to check since on their computer they don't have late payments reflected. Then why my score drop down 75 points in one week and when I checked it was them reporting late payments.I visit them on XX/XX/2020 and one employee told me that she was going to pass the information of my claim to a supervisor but she did not give me a case number or a phone to call for follow up. They never answer the phone and is only an answering machine. Please help!
Product: Debt collection

Company by the name of XXXX XXXX XXXX XXXX XXXX keeps inaccurately reporting information to the credit bureaus. I have made a FTC report about this before this company has the wrong address and social and they keep selling my information to different companies and posting it on my credit. They have now sold it to Paramount Recovery System. I contacted them they said this account is from XXXX and they have the wrong information I have been a victim of identity theft and been proved that this wasnt me
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I submitted a notarized letter to Equifax directing them to remove all old address, incorrect name, and outdated telephone numbers from my credit file. I included with the letter, documentation to prove my identity as well as to coincide with the request in question. I contacted the XXXX Police Department on XX/XX/2024 about a case of identity theft at the address listed on my request to Equifax and a report was created for identity theft. I followed all proper procedures and policies to get Equifax to remove the old ( outdated ), inaccurrate, incorrect, and fraudalent information from my credit profile ; but to no avail. The fraudalent information is still listed on my credit file and is causing me undue harm and financial hardship. The federal Fair Credit Reporting Act ( FCRA ), 15 U.S.C. section 1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies ( CRAs ). My identity was compromised in the Equifax data breach, and its the ( CRAs ) responsibility to correct erroneous errors which cause harm to the consumer.
Product: Prepaid card

I opened the package for the prepaid card for the first time today to check the balance online. I tried to check the balance online and was not able to ( I tried that on multiple browsers and still couldn't ). I contacted the number on the packaging for assistance. They asked me to provide my name and as soon as I did that they told me that the card is registered under someone else ( Which is not possible because I had just opened the card ). The company told me that I need to verify my information by sending my photo ID, a picture of the card and provide a receipt. I told them I don't have a receipt because I got the card as a gift and I don't feel comfortable sharing my ID with the company, online or through fax, for that matter. When I told them that they were very rude to me. I do not feel comfortable sharing my ID and Personal Information with a company that clearly is very unprofessional. I told them I have the original packaging and the physical card which I am willing to send as proof
Product: Credit reporting or other personal consumer reports

HOMEBRIDGE ( BREACH OF PRIVACY ) ACCOUNT XXXX ANY CREDITOR FURNISHING INFORMATION TO A CREDIT REPORTING AGENCY MUST PROVIDE A SIGNED DISCLOSURE FORM FROM ME THE CONSUMER STATING THAT I THE CONSUMER GAVE THE CREDITOR PERMISSION TO REPORT. 
15 usc 6801 Protection of Non- Public Information HOMEBRIDGE has violated my rights and failed to protect my information by sharing my personal information

with 3rd parties without my consent. 15 usc 6802 Obligation with respect to disclose personal Information. There are 3 disclosure forms that I have not received. 
1. Financial Institution making me aware that they will disclose my information to a non-affiliated 3rd party 2. Institution giving me the opportunity before information is initially disclosed to direct that the information not be disclosed to a 3rd party 3. The financial institution giving me an explanation how to exercise the non-disclosure options 15 usc 6802 Disclosure of Institution Practice Policy HOMEBRIDGE did not clearly and conspicuously provide the disclosure forms.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been in XXXX for the past XXXX years going to XXXX and just got back early this XXXX. I received multiple calls and letters of accounts that did not belong to me. I reached out to all banks and notified them that they do not belong to me. I have already filed a police report and sent all documents required via XXXX mail to the credit bureaus. Please help me resolve all these accounts that do not belong to me and clear my name of these accounts. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple disputes, Santander continues to willfully and wantonly violate the FCRA by refusing to report to every CRA that my account is DISPUTED BY CONSUMER and CLOSED BY CONSUMER. Moreover, Santander has failed to timely report payments including my payment of {$100.00} received on XX/XX/XXXX. Failing to comply with the requirements to report accurate and complete data and to mark my account as CLOSED and DISPUTED constitutes 3 separate willful violations entitling me to {$3000.00} in statutory damages. On XX/XX/XXXX, Santander wrote stating We understand that you believe the bank is inaccurately reportingto the credit bureaus and you believe that the card should be reporting as closed per your request on or about XXXXLastly, during your XX/XX/XXXX call you requested to close the card. As a result, our agent restricted the cardhoweverthe account will not close until the balance is paid in full. I diligently made multiple demands to close my disputed account but Santander has illegally refused to meet its obligation to report to every CRA documenting my account as both Closed and Disputed. Clearly, I closed my account, before the normal XX/XX/XXXX CRA dates but Santander knows its obligations to report my account as closed and disputed but it nonetheless intentionally violated its statutory obligations. Attached are excepts from my XXXX and XXXX reports of XX/XX/XXXX and XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX  XXXX Account Number XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I went to the XXXX XXXX XXXX  XXXX XXXX XXXX at XXXX XXXX. in XXXX XXXX. The nurse on duty thought I was a XXXX patient and forced me to go to the emergency department which was a misleading and wrong judgment. 

I went to the XXXX XXXX and the doctor on duty in the XXXX Department wants to XXXX for XXXX XXXX on my back to prove their Wrong Assumption. I denied because both my wife and I were educated in XXXX XXXX when we were young. 

I pointed to the Doctor that my body XXXX and XXXX XXXX numbers are both normal, the chance that I have XXXX is very low. I dont want have the side effects of XXXX XXXX operation. He agreed and dropped that procedure. 

According to the last XXXX  who checked and talked with me before I was discharged from the Emergency Room, my problem was caused by XXXX in my XXXX XXXX, and it is XXXX. 

I stayed there for less than 24 hours and refused to be transferred to the normal patients room for extra stays. There are no medicine were used and no IV for liquid or medicine. 

I dont know how the hospital could bill the insurance company for {$55000.00}. ( Both the insurance company and I asked for the medical reports for all of the listed test/examination. Besides a few basic one, none of the listed charges have provide us evidence/reports. ) I have contacted TransWorld Sys Inc/XXXX for more than 3 times ( a collection company who purchased my data from XXXX and want me to pay the {$460.00} denied by my insurance company ) and Disputed with XXXX and provided evidence to support my requirements. 


I have dig into my medical records in the past two months and collected all evidence to prove that I am not responsible for the {$460.00} Transworld try to collect on behalf of XXXX XXXX XXXX XXXX ( Part of XXXX XXXX XXXX XXXX ). 

Attached please find the copies provided by XXXX XXXX XXXX XXXX. ( Patient Name : XXXX XXXX XXXX, Subscriber ID : XXXX, Claim Number XXXX. The claim was received on XXXX and processed in 30 day ( s ). Patient Responsibility : {$100.00}. Amount XXXX XXXX Paid : {$9500.00}. Network savings : {$46000.00}, Amount Billed by Provider : {$55000.00}. Please see all of the columns that under Patient Responsibility : Besides the {$100.00} Co-payment I have already paid, the rest of my payments are all XXXX. 


I have maintained a very good credit history in my life and wont let this ruin my credit score. 

Please go through the attached documents and help me to resolve this issue. 

Thank you very much! 

XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear Equifax, I submitted a complaint on XX/XX/2024 with regards to the late payment I had reporting from my Closed XXXX XXXX XXXX XXXX account. XXXX XXXX XXXX XXXX failed to notify me of a balance or invoice via a billing statement before it was reported as a late payment ( 15 U.S. Code 1681i - Procedure in case of disputed accuracy ). XXXX XXXX XXXX XXXX has corrected this the billing error for the primary account holder, XXXX XXXX, on XXXX, EQUIFAX, and XXXX. XXXX XXXX XXXX XXXX has failed to correct the billing error for the Authorized Users on this same account ( XXXX XXXX, XXXX XXXX, XXXX XXXX ). IMMEDIATELY remove the reporting late payment for the Authorized Users on this account. 


ORIGINAL CFBP REPORT NUMBER : XXXX Creditor : XXXX XXXX XXXX XXXX Account NUmber : XXXX Past Due Days : 30 Days Late Late Payment Amout {$11.00} Date : XX/XX/2024 Primary Account Holder XXXX XXXX XXXX XXXX Effected NAME : XXXX XXXX XXXX XXXX XXXX of XXXX : XXXX NAME : XXXX XXXX XXXX XXXX XXXX of XXXX : XXXX NAME : XXXX XXXX XXXX XXXX XXXX of XXXX : XXXX
Product: Debt collection

Mountain run solutions has called and texted me. I do not have an account with them nor have I had an account with XXXX in which whom they alleged they purchased the account from. Mountain run stated someone named XXXX XXXX signed the paperwork with his name. used his debt card do pay for their service but had the service in my name. That is the first red flag of a fraudulent account when XXXX or mountain run should have never activated service for him without showing a pictured ID.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a company named ERC # XXXX AMOUNT {$59.00} reporting this collection account that doesn't belong to me. I was never properly notified about this account by this agency. I would like this account removed from my reports immediately.
Product: Credit reporting or other personal consumer reports

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

This was clearly a billing error made 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 that are reported 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. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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

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

Delete the late payments from my consumer reports