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

I had checking and a mortgage with Wells Fargo and I believe I should be included in the lawsuit. I believe they used my accounts illegally
Product: Checking or savings account

I've had several bank accounts open in my in Florida with TDBAnk and it has led to me being unable to any other accounts. I had my address changed illegally, and I owe over XXXX plus with these accounts. I have copies of those I can mail to you as I do not trust the system of uploading as that has presented a challenge as well. I am quite exhausted from trying to regain my name but it must be done. 
The following are the account numbers that I have received this information for. Please advise how to proceed.
Product: Credit reporting

I applied for a home equity line of credit with a local bank. As part of the normal application process, the bank obtained my credit report. The next day I started being bombarded by phone calls and emails from other lenders, who already knew that I was attempting a mortgage transaction. One of them let slip that they got this information from Experian. Essentially, Experian sold not only my personal info, but specific details of my financial activity, in real time, to other lenders ( competitors, in fact, to the bank that paid Experian for my credit history ). This is not simply a " pre-approval opt-out '' issue, this is a violation of privacy.
Product: Debt collection

In XX/XX/2015 Syndicated Office Systems Reported several collections to the various to the XXXX credit bureaus under my name and social security number. I disputed the debt and it was removed only to appear again under the name Central Financial Control which is the DBA FOR Syndicated office systems. After years of continuous fraudulent validation XXXX has removed all of these accounts but thus far XXXX and XXXX have validate these accounts. Over the past several years I have been turned down for loans, credit cards and possibly refused employment due to these fraudulent entries. Please help.
Product: Credit card

I have had a XXXX credit card for several months. I set up auto pay as I travel frequently and do not want to miss a payment. I recent ; y returned from an extended trip as I had lost my job to find that three months of charges, totalling {$12000.00} had not been paid. As a result of this i am being charged almost {$1000.00} in fees and interest. 
I conatcted Wells Fargo who manage XXXX 's processing and they claim there is nothing that they can do and that is a XXXX problem XXXX have not responded after several days of attempting to contacrt a live person. 
The charges were from XXXX, XXXX and XXXX of this year
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the items was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate and correct the unverifiable items listed below : DISCOVERBANK Account Number : XXXX ; XXXX XXXX XXXXXXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXXXXXX Account Number : XXXX ; XXXX XXXXXXXX Account Number : XXXX ; XXXXXXXX XXXX  Account Number : XXXX ; XXXX  XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXXXXXX Balance XXXX XXXX XXXX XXXXXXXX Balance XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX Inquired on XX/XX/2022 ;
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX posted Re-Age collections that does not show last payment. I need ti know the last payment maded in all collections. Its nit fair to list these account without showing.
Product: Debt collection

Multiple ILLEGAL ROBOCALLS that have been reported to the XXXX each time yet nothing is done. I HAVE NO DEBTS so I know these calls are bogus and they come at times that are also illegal. The number the calls come from is XXXX from XXXX and XXXX debt collectors. I have never gotten a letter or any other information about any debt owed. Please do SOMETHING ABOUT THIS ILLEGAL BEHAVIOR!
Product: Credit reporting, credit repair services, or other personal consumer reports

I finally looked into my credit and saw Multiple accounts from XXXX After researching, I found out that they are a student loan company I've never encouraged if never incurred any stolen loans because I did not go to any schools so I demand this get deleted from my credit report ... ... ... Remove/Delete Pursuant to the FCRA & the FDCPA I now exercise my lawful right to question the validity of this debt your agency claims has come due. 
Fair Credit Reporting Act 5 609 Disclosures to consumers : ( c ) ( 2 ) ( E consumer reporting agency is not required to remove accurate derogatory information from a consumers file, unless the information is outdated under section 605 or can not be verified. 
Fair Credit t Reporting Acts 611 ( a ) 1 ( A ) Procedure in case of disputed accuracy : Reinvestigation of Disputed Information ( ) Reinvestigation Required n general Subject to subsection ( f ), f the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is dispute by e consumer and the consumer notifies the agency directly. or indirectly through a reseller, of such dispute the agency shall, free of charge. conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information. or delete the item from the File in ( 5 ), before the end of the 30-day Period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
Fair Debt Collection Practices Act section 8o ). Validation of debts : [ b ) If the consumer notifies the debt co writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of
Product: Credit reporting or other personal consumer reports

These items were not authorized by me and constitute a breach of my rights under both federal and state law. Furthermore, your responses to previous disputes have been inadequate and evasive, often suggesting that my communications originate from a credit repair organization, which is untrue. This practice is both misleading and unlawful. 

I am invoking the following legal protections to demand swift and transparent action : California Consumer Credit Reporting Agencies Act ( CCCRAA ) ( Civil Code 1785 et seq. ) - This act prohibits credit reporting agencies from including inaccurate information on a credit report and requires them to investigate disputes thoroughly.

California Civil Code 1785.16 - Mandates credit reporting agencies to block fraudulent information within four business days upon receipt of a valid dispute.

California Business and Professions Code 17200 et seq. - Prohibits unfair, deceptive, or fraudulent business practices, including ambiguous and misleading responses to consumer complaints.

Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) - Requires credit reporting agencies to investigate disputes and correct or delete inaccurate or unverifiable information within 30 days.

Truth in Lending Act ( TILA ) ( 15 U.S.C. 1601 et seq. ) - Provides protections against unauthorized charges and requires creditors to respond promptly to billing disputes. 

here are the accounts and inquirers in question 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
Product: Credit card or prepaid card

I received a notice in the mail from Macy's indicating I have a past due amount on a Macy's XXXX XXXX card. I contacted Macy's credit card customer service and they told me that I have two Macy's credit cards. One that I am aware of (Macy's store card), and a separate Macy's XXXX XXXX   account that is different from the private store card I signed up for. Their explanation for opening this account in my name is that I did not respond to a promotion letter sent in the mail. They said "my non-response was taken as authorization". 

I do no recall ever receiving a letter about this, nor would I have agreed to this account.  I do not physically have this card, do not have access to this account, and never authorized opening a second credit account.

This account is fraudulent as it was opened without my authorization. After several attempts to resolve this with Macy's directly, I have not been successful. They are maintaining this account is valid and past due amounts and interest are owed. My credit score took a significant hit due to this situation.
Product: Debt collection

I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that QVC, XXXX absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files. 
Enclosed is a copy of my Identity Theft Report supporting my position. Also enclosed is a copy of the FTC Notice XXXX XXXX XXXX XXXX, which details your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA. 
The Notice also specifies your responsibilities when you receive notice from a CRA, under section XXXX of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. 
Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. 
Please investigate this matter, close the account and absolve me of all charges, take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions.
Product: Debt collection

XXXX has been paid. XXXX ( XXXX ) payments of {$440.00} were paid in XXXX 2015. My current balance is XXXX.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting Dear CFPB, I am filing a formal complaint against TransUnion for failing to correct inaccurate information regarding late payments reported on my credit report. Despite multiple requests for correction ( letters dated XX/XX/XXXX and XX/XX/XXXX ), no changes have been made to resolve this issue, in violation of both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). Since my last dispute, nothing has changed, and the errors remain on my credit report. 
FCRA Violations : Under 15 U.S. Code 1666b, creditors must send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting suggests a failure to comply with this requirement.

15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files. This obligation has not been upheld in my case.

TILA Violations : The Truth in Lending Act requires creditors to provide accurate and timely disclosures to consumers. The incorrect reporting of late payments has caused significant harm to my creditworthiness and financial well-being. 
Summary of Errors and Discrepancies : The reported late payments for this account are inconsistent and inaccurate. Specific discrepancies include : Late payments incorrectly reported for the following months : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
Dates of delinquency that do not align with the accounts actual payment history. 
Reporting errors inconsistent with records from other credit bureaus. 
These errors significantly misrepresent my credit history and have negatively impacted my creditworthiness.

Desired Resolution : Immediate removal of the inaccurate late payment notations from my credit report. 
Written confirmation of the correction. 
If this issue is not resolved promptly, I will escalate my complaint further, including potential legal action and filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ) and other relevant agencies. 
I look forward to your prompt response to this matter. Please send confirmation of the corrections to the address provided above. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/20, I contacted by phone XXXX XXXX XXXX XXXX and XXXX/XXXX about these accounts being opened due to identity theft. Both reps were able to close the accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX dated XX/XX/2022 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX and TransUnion have not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXXL XXXX and XXXX XXXX XXXX. I believe it was reporting in error.
Product: Debt collection

I went to the XXXX, XXXX XXXX, located at XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, TX XXXX, on XX/XX/XXXX. The Technician that examined me said I needed a treatment, XXXX XXXX XXXX for my XXXX. They said I had XXXX XXXXXXXX. Which turned out to be false. I replied to the technician, if my XXXX   Insurance covers the procedure, the cost of XXXX XXXX XXXX, then I will agree to it. XXXX XXXX came back 30 minutes later and said that 80 % was covered by my XXXX XXXXXXXX XXXX XXXX. I agreed to pay the 20 % balance and paid that balance at that the time of the treatment at the XXXX XXXXXXXX offices in XXXX XXXX Texas. On XX/XX/XXXX, over 15 months later XXXX XXXX  sent me a bill for {$180.00} saying XXXX XXXX XXXX XXXX did not pay the 80 %. Come to find out, XXXX XXXX   used a XXXXrd party service called XXXX XXXX XXXX to check my Insurance to determine what was and what was not covered. ( See attached document from XXXX XXXX XXXX ). XXXX XXXX XXXX checked my Insurance on XX/XX/XXXX while I waited at the XXXX XXXX offices. XXXX XXXX came back to me and said the treatment was covered at 80 %. Again, I only agreed to pay the 20 % and would not have authorized the unneeded treatment if I knew it was not covered. I later found out that XXXX XXXX XXXX is a shame and does not work. A gimmick to get more money out of patients. That is why my Insurance company does not cover it. 
XXXX XXXX has now referred the matter over to a collection agency called Collections Unlimited at XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX, TX XXXX. Collections Unlimited opened an Account with XXXX and entered a derogatory remark on my XXXX credit report on XX/XX/XXXX. 
I dispute this {$180.00} charge, and the derogatory remark left on my credit report by Collections Unlimited. 
The bottom line is, even with this derogatory remark, my credit score is still above 800 and well within the excellent range, but companies and organizations like XXXX XXXX need to understand that cant bully people around. We had an agreement, they entered into that agreement willingly, and now they are reneging on that agreement. I have to believe that if the roles were reversed, for example, I put in a job bid on sheet rock work in their offices and a year and a half after the job was completed and I got paid for it, I came back and ask for more money, for what ever reason, they would not have even considered that and would have escorted me off the property. Its not my fault that the 3rd party service called XXXX XXXX XXXX got the information wrong. An accord was made and not kept by XXXX XXXX. They should collect from XXXX XXXX XXXX. 

Read the reviews : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX Date : XX/XX/year> To : LexisNexis Risk Solutions XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Request to Update Public Records with Phone Number Dear LexisNexis Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX
Product: Debt collection

To Whom It May Concern, The reason for my dispute is ENHANCED RECOVERY COMPANY # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ).

However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, ENHANCED RECOVERY  COMPANY failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) ENHANCED RECOVERY COMPANY failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violationENHANCED RECOVERY COMPANY is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where ENHANCED RECOVERY COMPANY is in compliance with OHIO LAW. I  also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. XXXX XXXX  has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Product: Credit card or prepaid card

Received email and text message regarding an account with Capital One that I do not have. I am an identity theft victim have never done business with Capital One. I contacted them but their system was not able to give any details about the fraudulent account at the time. However, they were able to confirm that an account was opened under my name using my social security number. I do have credit freezes with all 3 credit bureaus and with XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose. 
This is for all XXXX credit bureaus XXXX, XXXX, and XXXX XXXX XXXX XXXX XXXX Original Creditor Company Sold Account Type Date Opened Status Status Updated Balance Balance Updated Paid Off Monthly Payment Past Due Amount Original Balance Terms Responsibility Your Statement : XXXX XXXX XXXX  - Collection XX/XX/XXXX Collection account. {$1800.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX {$1800.00} XX/XX/XXXX 0 % {$1800.00} {$1800.00} XXXX XXXX XXXX XXXX XXXX Original Creditor Company Sold Account Type Date Opened Status Status Updated Balance Balance Updated Paid Off Monthly Payment Past Due Amount Original Balance Terms Responsibility Your Statement : XXXX  - Collection XX/XX/XXXX Collection account. {$2100.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX {$2100.00} XX/XX/XXXX 0 % {$2100.00} {$2000.00} 1 Month XXXX XXXX XXXX XXXX XXXX Original Creditor Company Sold Account Type Date Opened Status Status Updated Balance Balance Updated Paid Off Monthly Payment Past Due Amount Original Balance Terms Responsibility Your Statement : TXXXX XXXX XXXX XXXX  - XXXX XXXX  Debt Buyer XX/XX/XXXX Collection account. {$440.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX {$440.00} XX/XX/XXXX 0 % {$440.00} {$440.00} 1 Month XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked again my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The Account I am disputing do not relate to any transactions that I have made or authorized. Please remove this information at the earliest possible time. Also, the information you provided on the account is DELETED from other bureaus and I have doubts about their accuracy the reported payment history on the account is a mystery to me, I dont remember if I missed a payment. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the adverse information on the items be removed to correct the information. 
XXXX XXXX XXXX : {$2500.00}