23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

AM HONDA FIN is reporting on my personal credit file. This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The data furnisher ( DF ) is not complying with federal law in regards to identity theft. Additionally, the data furnisher has not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me ( AM HONDA FIN XXXX )
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX Iowa XXXX, Iowa XXXX Re : Complaint Against Reporting Entity for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against EXPERIAN XXXX XXXX XXXX XXXX ( hereinafter referred to as " EXPERIAN '' ) regarding their non-compliance with the Fair Credit Reporting Act ( FCRA ) and, specifically, their failure to adhere to the provisions outlined in Section 611 ( a ) ( 8 ) of the FCRA. This complaint is submitted to the Consumer Financial Protection Bureau ( CFPB ) for investigation and appropriate action. 

On XX/XX/XXXX, I, as a credit consultant, sent a certified letter to On XX/XX/XXXX, I, as a credit consultant, sent a certified letter to EXPERIAN requesting the validation of a collection account as per the provisions set forth in the FCRA. The collection account in question pertains to WEBBANK/FINGERHUT which alleges that I opened an account on XX/XX/XXXX, and currently maintains a balance of {$340.00}. The FCRA mandates that the credit bureau, in this case, EXPERIAN must ensure the accuracy and completeness of the information they report. 

We are filing this complaint on behalf of our client, who is experiencing issues with a closed account reporting negative information on their credit report. Pursuant to our efforts to address this matter, we sent a Validation of Debt letter to the reporting entity, as allowed under the FCRA. Despite our repeated attempts, we have not received any response from the reporting entity. 

This lack of cooperation is a clear violation of our client 's rights under the FCRA, particularly under the following sections : FCRA Section 611 ( a ) ( 1 ) ( A ) : This section requires consumer reporting agencies to promptly investigate disputes regarding the completeness or accuracy of any information provided by a consumer and to correct or remove any inaccurate information.

FCRA Section 623 ( a ) ( 2 ) : This section mandates furnishers of information to report accurately and prohibits the reporting of information that they know or have reasonable cause to believe is inaccurate. 

Enclosed, please find a copy of the Validation of Debt letter we sent to the reporting entity, along with proof of delivery. We believe that our client 's rights have been willfully neglected, and we seek the intervention of the Consumer Financial Protection Bureau to ensure a fair resolution in accordance with the FCRA. 

We kindly request that the Consumer Financial Protection Bureau conduct a thorough investigation into this matter, compelling the reporting entity to respond appropriately and take corrective action. We appreciate your prompt attention to this issue and look forward to a swift resolution. 

If you require any additional information or documentation, please do not hesitate to contact me at XXXX Thank you for your commitment to protecting consumers ' rights and ensuring the fair implementation of the FCRA. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit card

I made a charge of {$200.00} for clothing on XXXX I noticed after I hit the charge that it was a Russian website. I called bank and they said wait two days. I filed a dispute on line. The money was credited to my card and now has been recharged. I do not want to manage this situation with the bank and need help
Product: Credit reporting, credit repair services, or other personal consumer reports

I have this issue with both Equifax and XXXX. They are reporting the same debt twice on my report. The names of the company are different, but it's the SAME DEBT being reported twice. The names of the company are different and the amounts owed are different by as little as {$100.00} and as much as {$2000.00}. I have called, written letters, and followed their instructions to the letter, and it has only made it worse. They are also ALLOWING companies to renew the date when it comes close to 7 years and the debt dropping off. It borderline on being CRIMINAL. They hold me to higher standard, yet they openly and blatantly break the rules. Especially for those of that are are paying our debts, and trying to fix our credit. For example, they will say you don't have enough credit cards. Then when you apply, receive the card, maintain a XXXX balance BOTH credit companies say, you havee too many credit card accounts. I believe YOU GUYS ARE WELL AWARE that these2 credit reporting agencies, ESPECIALLY, engage in this practice. I know someone that has near perfect credit, and AS SOON as it nears OVER 800, both Equifax and XXXX DROP the score and come up with RIDICULOUS reasons they've dropped the score. How can you guys sleep at night knowing that those of us withcredit issues, ARE DOING TGE RIGHT THING, CONTINUE to be taken advantage of. It's RIDICULOUS. I'd bet money that ALL of you reading and responding, and coming up w excuses have NO CREDIT issues. Equifax AND XXXX reports have kept me from getting jobs, getting suitable housing and bettering our lives, because their shady practices. PLEASE HELP!!!
Product: Credit reporting or other personal consumer reports

LVNV Funding LLC ( {$830.00} ) Debt Validation Request : ( XX/XX/XXXX - XX/XX/XXXX ), you guys been reported i owe this. 

LVNV FUNDING LLC Debt Validation Request : ( {$1300.00} ) XX/XX/XXXX - XX/XX/XXXX ), you guys been reported i owe this & had a scheduled payment for XX/XX/XXXX, that i was never aware of paying. 


Considering : 15 usc 1681 I am writing regarding a recent entry on my credit report and/or communication from your company about an alleged debt in my name. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting validation of this debt. Please provide the following information : XXXX. Proof that I owe the debt, including : A copy of the original signed agreement or contract. 

The name and address of the original creditor. 

A detailed breakdown of the debt, including the original amount, any payments made, and the current balance. 



XXXX. Verification that your company is legally authorized to collect this debt, including any documentation proving your authority. 


XXXX. Confirmation of the statute of limitations on this debt, showing it is still enforceable under my states laws. 



Until I receive the requested information, I request that you cease all collection activities, including phone calls, letters, and reporting this debt to credit bureaus. Additionally, if you can not validate this debt, I ask that you remove this account from my credit report immediately. 

This letter serves as a formal dispute of the debt. Please communicate with me in writing only regarding this matter. 

Thank you for your prompt attention to this request. I look forward to your reply within the legally required timeframe of 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reached out to companies about hard inquiries on my credit report. These companies have no information for me on file. I do not know why this is on my credit report but these inquiries should be deleted immediately from all major beaurus. The inquiries were made on XX/XX/XXXX. Three inquiries from capital one and 1 inquire from XXXX XXXX XXXX
Product: Debt collection

I filed a dispute with SCA Collections in regards to a debt validation. They never sent a contract that I signed with them for the debt or itemization of the charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

We have an XXXX XXXX XXXX through Comenity Capital Bank. I had been carrying the entire credit line as a balance through about XXXX of XXXX. I then paid the balance in full and have been carrying less than 10 % of the credit limit as a balance every month since. Comenity has not updated any bureau to show that I have paid it completely down and have maintained an extremely small balance since. They stated they have technical issues preventing them from updating the bureaus that they have been unable to resolve for most of the year. This is willful member harm as my credit report shows that I continue to carry the full balance every month and does not reflect several months of more conservative use and payments. The required minimum monthly payment still shows as if I am carrying the full balance which would result in accurate debt obligations should I apply for credit ( which I have been planning for solar panels but this account will not update ). If they can produce monthly statements with accurate information then they should be able to update the bureaus with the same information. This is consumer harm and violation of the Fair Credit Reporting Act.
Product: Debt collection

On or around XX/XX/XXXX, I received a notice of writ of garnishment against my wages, although I was currently on a payment plan paying {$50.00} per month and had made my payments on time, in which the payment plan was set up in XXXX through the companies website and confirmed and they started deducting on an Auto Pay schedule. The amount listed on the writ of garnishment was {$730.00}, the amount reflected on their website was {$550.00} I believe. I called Midland regarding the garnishment and was told that they would file a release of garnishment since I was indeed on a payment plan and current on my plan. Two weeks later I called back to Midland to find out if the garnishment had been released ( since my payroll was due to garnish the full amount of the writ on XX/XX/XXXX ) I was told at this time that the garnishment release had not yet even been signed by the attorney ( in which I was assured it would be at the beginning of XXXX when I called the first time ). On XX/XX/XXXX another payment was taken via Auto pay of {$50.00} from my husbands checking account. I called to find out about the release again and was told it had not yet been processed. At this point it was too late to have the garnishment released in time not to be pulled from my upcoming paycheck, I spoke with a gentlemen and he agreed to stop my autopay of {$50.00} per mo since I knew at this time I would be way over paid when my XXXX funds reached there office. I received a notice from my employer that the full amount had been deducted for the XXXX {$730.00} - I called today XX/XX/XXXX to find out if the XXXX was ever released, additionally, if my funds had been received in their office yet, and what the process is going forward due to this oversight ( XXXX ) - I was told since my payment plan was cancelled I now owe them {$600.00} because I no longer qualified for the discounted amount ...... I was never told this when my payment plan was cancelled. Not only did this company submit a garn for well over the amount due, continued to collect monthly payments, now they added an additional {$100.00} or more dollars to my debt which I will have no choice but to pay since my garnishment funds will be well over what I owe. I feel this is deceptive practices, they continued to collect while submitting a garnishment taking them over 25 % of my income, and now refuse to honor the payment plan amount that I was never late on until they garnished me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$750.00}.
Product: Checking or savings account

On XX/XX/XXXX, about {$3500.00} was stolen from my Wells Fargo account. I contacted Wells Fargo the next day and filed two claims stating this wasnt me. They gave me the money back for the atm withdrawals that added up to about {$700.00} dollars. But for the second claim that added up to about {$2800.00}, that was denied. Mind you, all of these withdrawals happened in the same day, at the same bank, at the same time, in a area that is two hours away from where I Live.I wanted to know the status of the claim so I called Wells Fargo and they told me that they didnt find any case of fraudulent activity. When I first filed the claim for the {$2800.00}, I was told that they were going to do an investigation that meant looking into the security cameras where the money was took from. I would think if they looked at the security cameras that they would notice that this wasnt me. I was also told that someone else would contact me but no one has. At this point I dont know what to do. I dont know if I should sue Wells Fargo or something else
Product: Debt collection

THIS DEBT WAS A RESULT OF SOMEONE USING MY ID TO OPEN A UTILITY ACCOUNT WITHOUT MY KNOWLEDGE.CREDIT MANAGEMENT LP # XXXX I DO NOT HAVE XXXX XXXX!
Product: Debt collection

To Whom it May Concern, I disputed a medical collection via XXXX on XX/XX/XXXX report number # XXXX Merchants Credit Guide C account # XXXX for {$430.00} as not mine and it recently came back verified as of XX/XX/XXXX with new XXXX report # XXXX. The problem I have with this company is that I called them directly to speak to a representative to verify the nature of this debt. I also called and spoke with the actual medical establishment and both companies stated this debt is do to a medical visit for a person name XXXX XXXX. My name is XXXX XXXX also the medical establishment XXXX XXXX XXXX XXXX aka XXXX XXXX XXXX stated the service was in Illinois I live in Michigan. This is not me or mine. I want to know how this was verified accurate when this account doesn't belong to me?
Product: Credit card

On XX/XX/XXXX I charged a hotel room to my corporate card. The hotel room was not actually available as the system was down. I spoke to person at the front desk who assured me that the charge would be removed. After returning from my trip there were two charges. One for the room at {$140.00} and the other was {$100.00}. I opened a dispute with US Bank. Our travel agency called the hotel and they had charged me for a room and the other charge was a pre-authorization fee for the room that was supposed to drop but did not. US Bank requested documentation by XX/XX/XXXX. I sent them the documents on XX/XX/XXXX. A week later they ruled in favor of merchant due to me not responding. The hotel credited me back for the room fee but not the {$100.00} fee as they didnt have any record of this. I called US Bank again and explained that charge and they said they were going to review, but I have not heard anything back. Also, since they ruled in favor of the merchant and closed the dispute, due to company policy I had to pay that fee out of my pocket. I do not understand how a bank recognizes its a pre-authorization charge common in the hotel industry that never dropped AND was informed that the merchant has no record of it that I was forced to pay for it.
Product: Debt collection

I ordered a product with free shipping. The shipper XXXX  XXXX tried to collect an additional XXXX from myself after. 

In XXXX I got a collection letter from XXXX XXXX XXXX and filed the exact complaint asking for proof I an responsible for shipment. They only send me a document I received the shipment. 

Now I am in receipt of another collection letter only from Receivable Management Services. The letter I got from them states there was 3 pages but I only got 2.

I am asking for validation on the originating documents that I agreed to pay. XXXX  XXXX, nor XXXX provided them to me.
Product: Debt collection

I was looking at my credit report and I noticed I had a collection account from IQ Data International Inc that was open XX/XX/year>. The balance of this account is {$8200.00} I never had an account or contract with this company, I never resided at the address on file for this company, I lived at my current address ( XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX ) for 18 years so this account is not mine.I sent documentation to show proof of my address.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second time addressing this issue with Equifax and XXXX through the CFPB. The charged off account known as Department of Ed XXXX XXXX has multiple inaccuracies. 

1. No last payment dates ( How can you verify if account was to be charged off with no last date of payment? Charge offs are implemented after 120 days of no payments from the last payment date ) 2. They were also reporting 90-days late within the time span of 30 days. ( Blatant inaccuracy ) XXXX. In XX/XX/2018 account is reporting as current and in good standing ; then in XX/XX/2018, ( the very next month ) account reports as 90 days late. ( NOT POSSIBLE ) THIS IS A VIOLATION! 
3. There were multiple times where I wrote these agencies and received no response at all and they continue to this day, reporting this negative, erroneous account. 


My rights have been violated for several years. 

According to FCRA Section 623 ( a ) ( 1 ) ( C ), and I quote in part " A credit reporting agency CAN NOT UNDER ANY CIRCUMSTANCES, REPORT ANY INFORMATION THE CONSUMER HAS TOLD YOU IS INACCURATE IF IT IS, IN FACT, INACCURATE. '' In my previous dispute I attached the undeniable proof of INACCURATE CREDIT REPORTING, yet even after notification via repeated letters to each agency and the CFPB, EQUIFAX AND XXXX continue to report this account.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act, 15 USC 1681 section 602 ( a ) states : " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX XXXX TransUnion XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801, which states : It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal XXXX XXXX XXXX XXXX AND XXXX XXXXXXXX XXXX are financial institution by definition under that title. 
As of today XX/XX/2024, per the FCRA as a federally protected consumer Im now opting out of all authorization I the consumer may have given you XXXX, Trans Union, XXXX pertaining to reporting non personal information from third parties i.e. XXXX XXXX XXXX XXXX XXXX  AND XXXX XXXX XXXXXXXX : written/unwritten, verbal/nonverbal this is effective immediately and indefinitely on reporting all my private information from these companies. I am opting out from reporting services.

15 US Code 6802 ( B ) OPT OUT 1 In General : A financial institution may not disclose nonpublic personal information to a non-affiliated party unless ( 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.

Per 15 USC 6802 : ( A ) a financial institution may not directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information unless such financial institution provides or has provided to the consumer a notice that complies with section 6803. I have not been provided any notices and continue to not be provided notices.

( Nonpublic information ) - means personally identifiable financial information, provided by a consumer to a financial institution resulting from any transaction with the consumer of any service performed for the consumer otherwise obtained by the financial institution. There is personal information being furnished on my credit report without my consent.

Also, according to 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports.

*Except as authorized under subsection ( b ), 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. No adverse item besides the conviction of crimes should be on my report. After review of my credit reports XXXX XXXX XXXX and XXXX XXXX XXXX XXXX have furnished adverse items on my credit report without my consent nor notification.
Product: Debt collection

I am writing to dispute this debt. The law says I must do so in writing. However, the letter from Transworld Systems does not include the address for XXXX XXXX XXXX, the contact listed in their letter. There's only a phone number. Would you kindly provide an address so that I can write to your contact? 

In response to said letter : Transworld systems did not provide verification of the debt. As the debt collector, Transworld Systems should only pursue debts they can verify. XXXX, the original creditor is in possession of documents and records of conversations between myself and their corporate offices : XXXX XXXX, XXXX XXXX and their billing department that proves I do not owe this debt. 

This debt can not be verified if Transworld Systems does not request from XXXX, and XXXX produces a full disclosure of all documents and communications pertaining to this debt they claim I owe. I am asking Transworld Systems to kindly request all said documents and communications from XXXX. 

As I stated in my original complaint through CFPB, XXXX sold me faulty equipment, refused to correct the problem for months. During these months, I did not receive the Internet service I was paying for. When XXXX finally fixed the issue, they then " upgraded '' my service without my informed consent. This shady business act led to an increase in my bill. I do not owe this debt and in fact, XXXX owes me for services I paid for, but did not receive due to their faulty equipment. 

Continuing to pursue this debt without obtaining full disclosure from XXXX of all the documents and communications related to this debt would be an unfair assumption without all the facts, and would not constitute verification of this debt. 

Additionally : I kindly ask that In the pursuit of this debt, Transworld Systems contact me only in writing and at the address submitted through CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company name XXXX XXXX XXXX for the amount of XXXX as of XX/XX/XXXX company no longer in service and it still appears on my credit report, XXXX XXXX XXXX  closed as of XX/XX/XXXX this company does not serve people residing in the NY state area I also have reported capital one bank which is still appearing on my report I have no business with them and they were previously removed from my report and it is on my report once again XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Several times I used Zelle and the money went to the wrong person The money has yet to be returned Also {$800.00} was sent to me and it took over a month to fund our Zelle had in fact not sent the money to my account