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

I didn't receive written notification about the debt. ( didn't receive, didn't know you could dispute debt ) I requested to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. The collection agency have failed to positively verify these accounts and it has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed above. 

According to the Fair Credit Reporting Act, Section 609 XXXX a ) ( 1 ) ( A ), the collection agency are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

The collection agency responded with a letter and a bill for account number XXXX ( see the attachment ). The collection agency did not provide any documentation for account number XXXX but listed the account on my credit reports. 

The date opened on the account is also incorrect. I have disputed this debt with XXXX and XXXX and the debt was verified as accurate. They refuse to remove the debt. The credit bureaus informed me to contact the data furnisher for proof of the written contracts.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second 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, MD XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX Date Updated : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX Balance XXXX XXXX {$0.00} XXXX XXXX  XXXX XXXX Balance Owed : {$310.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$420.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$840.00} XXXX XXXX  XXXX Balance Owed : {$440.00} XXXX XXXX Balance Owed : {$810.00} XXXX XXXX XXXX Balance Owed : {$3300.00} XXXX XXXX XXXX Balance Owed : {$710.00} XXXX XXXX XXXX XXXX Balance Owed : {$420.00} XXXXXXXX  XXXX Balance Owed : {$590.00} XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/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

I have unauthorized inquiries from : -XXXX XXXX - XXXX -XXXX - XXXX XXXX I have never applied, given or authorized my information or credit to be run by these companies. I do n't recognize them at all. 
Besides the inquiries I also have 2 late payments from XXXX XXXX which is incorrect. The credit card company has my payments on Autopay and I am not sure why they marked it as late. The balances are paid off at the moment.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I made a payment for a purchase i made from a vendor named XXXX XXXX XXXX XXXX for an amount of {$11000.00}, Fifth third bank took out the payment from my XXXX XXXX account on XX/XX/2023 but refused to credit the vendor bank account which was held at Fifth Third Bank. Fifth Third Bank rejected the payment and closed the vendor bank account which was held at Fifth Third Bank, for this reason the vendor cancelled the order and Fifth Third refused to return the money back to my bank account so that i can make payment for the order through another means. I have have sent my bank statement to Fifth Third Bank to prove that the payment was legit and it cleared in my account. Fifth Third Bank requested my bank provides them a Hold Harmless Letter which i have tried to get for Fifth Third Bank. I have reached out to my bank to request they send this letter to Fifth Third Bank but they claim Fifth Third Bank reach out to them via there banking internal channel and request for it since it was Fifth Third Bank that rejected the payment and need the letter. I have tried to ask the bank to give me the letter so that i can provide it to Fifth Third Bank myself but they refused to give it to me saying they have to send it to Fifth Third Bank by themself. That is the current point i am at, I don't know what else to do in order to get Fifth Third to contact XXXXXXXX XXXX through there bank internal channel to request for the XXXX XXXX Letter.
Product: Credit reporting or other personal consumer reports

Equifax can not provide evidence that I consented to them reporting my non-public information, transaction history and that I gave up my federal rights to opt-out and to my personal privacy. 

Their violations for several years has severely affected my ability to live, work, educate and function financially as a federally protected consumer. The data breach is proof of claim that the willful sharing of my private nonpublic information with affiliates and non-affiliates has made it possible to exposure and theft of my private information caused financial loss. Which has continued to adversely compromise my right to pursue happiness. 

I have given my instructions to the third-party agency XXXX, XXXX & Equifax to Remove transaction history and the following per the Federal Law. Instead of adhering to my federal right to opt-out I did not authorize the public display of my nonpublic information.

( 15 U.S. Code 1681b - Permissible purposes of consumer reports ), ( 16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods. ), ( 16 CFR 313.1 - Purpose and scope. ), ( 15 U.S. Code 6801 - Protection of nonpublic personal information ), ( 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ), ( The Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), ( The Privacy Act of 1974 ( 5 U.S.C. 552a ) 552a. ), ( 16 CFR 433.2 - Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. ), ( 16 CFR Part 313 - PART 313PRIVACY OF CONSUMER FINANCIAL INFORMATION ), ( 15 U.S. Code 6805 Enforcement ), ( 15 U.S. Code 1692e - False or misleading representations ) XXXX XXXX  XXXX File Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX
Product: Debt collection

I have 2 concerns! On XX/XX/year> I went to an appointment at XXXX XXXX XXXX for a procedure. I was told by the window clerk my charge would be {$200.00}. I later received a billed of over {$700.00}, what a surprise! I called about this but they would not make any adjustments. I began to make payments of {$50.00} per month and I received a couple of invoices, that's all. In XX/XX/year> I received a bill from a collection agency ( Medicredit ) for the balance of {$470.00}. I called XXXXXXXX XXXX to ask why my account was sent to a collection agency as I was making monthly payments to pay off the bill. I was told that because I did not call to make arrangements it was sent to collections. Why was my account not reviewed to see if I was making regular payments, and why did I not receive a notice saying my account was about to go to collections. 
I have excellent credit and I care about all monies owed for services rendered. I now have to pay a collection agency who was willing to discount the bill by almost {$100.00} to settle the debt, so why could t he hospital not do this? So, I have two Grievances : 1. I was billed more than quoted by more than {$500.00} 2. My account was sent to collections without any notice. 

I appreciate anything that can be done. I would like my account to be retracted from collections and sent back to the hospital as it was before. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I did not authorize any of the hard inquiries listed in this letter. This is not an opportunity for you to investigate as I have provided an identity theft report listing all of the unauthorized inquiries. 

15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 2 ) a copy of an identity theft report Failing to comply with deleting the hard inquiries listed from my credit report within 14 business days will result in violating the Fair Credit Reporting Acts federally protected laws meaning XXXX XXXX will be liable to me for statutory damages for XXXX XXXX misconduct as per the FCRA ( 15 U.S.C. 1681n ( a ) ( 1 ) ( A ) ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting a inaccurate last payment for a charged off account it stating my last payment was XX/XX/2018 but the correct last payment date is XX/XX/2018 Please verify and delete all inaccurate accounts
Product: Checking or savings account

Please refer to my earlier CFPB complaint XXXX dated XXXX/XXXX/XXXX. 
As per that : XXXX Please refer to my earlier complaints about Citibank. It seems there is no way this bank can improve and do something better. The latest issue - the customer service folks are not even aware of the correct XXXX Routing #. I called them via phone during XXXX XXXX XXXX to XXXX XXXX XXXX. As I was not having the online access or my check book - I simply asked them about my account # and the XXXX routing # to setup a direct deposit. The gentlemen on the phone told me that XXXX routing # is : XXXX though he provided me the right account #. I setup in my employer 's portal for the direct deposit. For the pay on XXXX XXXX XXXX - i realized the direct deposit is not happening and then reached out to their customer service again. Only to realize that the routing # is wrong. He told me that if the routing # and the account # is not matching - then money will be refunded. My employer might charge me penalty for this. And I have no idea what happened to my {$100.00} direct deposit which went into somebody 's else 's account. This is so careless mistake by the customer service. Citi has a usual habit or pattern of making simple things complex. Moreover Citi has  grown so big and expanded into so many geographies that they ca n't manage very simple stuff also. It 's just too difficult to deal with this bank. 

================================================================= Essentially speaking Citi customer service gave me wrong information about the XXXX routing # and thus the direct deposit failed. 
This failed direct deposit was totally Citi 's fault and they accepted it also. 
When i was opening this account - it had a promotion of {$500.00} - i fulfilled that by applying the right promotion also. It was opened using the webpage that they had at that point of time. 

Once again citi is trying not to honor their words and deprive me of the promotion.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA & 605B ( 15 U.S.C & 1681c-2 ) That you Equifax the credit reporting agency, block information appearing on my credit report that is the result of identity theft and fraud within XXXX buisness days of you recieving this complaint.This fraudulent, inaccurate, and false information consists of a personal auto loan ( XXXX XXXX XXXX XXXX ) ( XXXX XXXX XXXX XXXX ) ( XXXX XXXX XXXX XXXX ) ( XXXX XXXXXXXX ) ( XXXX  XXXX ) ( XXXX XXXX  XXXX ) ( XXXX XXXX ) ( XXXX XXXX XXXXXXXX ) These Accounts have resulted in several fraudulent hard inquires and fraudulent collections.I have attached a copy of my FTC Identity Theft Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the information from the report accounts and hard inquiries, collections, chargeoffs are the results of identity theft and fraud.
Product: Credit reporting

I went to XXXX last XXXX, as I do just about every year, to check on my credit reports from the three agencies and to get my XXXX scores. I paid {$7.00} each to get my credit score number from the three agencies and somehow, without my permission or knowledge, Experian " crammed '' my credit card ( and, BTW, this was a credit card I rarely use ) with those ridiculous $ XXXX/mo. charges for " credit reporting. '' I never knowingly signed up for this! I had no idea they could do that through this site and I never noticed it until recently. I successfully got 3 months of charges returned, but they claim they ca n't refund any more. Two takeaways : 1 XXXX These companies should NOT be allowed to " cram '' charges via the XXXX website -- there are plenty of " free credit report '' scams out there -- do n't let this one consumer site fall victim to the cramming too, and 2 XXXX Experian should be punished for sneaking in these charges without customer 's express permission. I REPEAT : I DID NOT SIGN UP FOR THIS and yet, I 'm out more than {$100.00}. They should be stopped.
Product: Credit reporting or other personal consumer reports

I recently reviewed my Equifax credit report I am a victim of Identify Theft someone used my personal information without my permission. 

XXXX XXXX XXXX XXXX is reporting and this account was opened without my consent or knowledge
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The XXXX and TransUnion credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
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

XX/XX/XXXX was when we started having trouble making the payments. I was in contact with Captial One from XXXX XXXX XX/XX/XXXX I made several phone calls explaining that I was having a XXXX  XXXX, and I was in and out of the hospital. I asked Captial One if there is anything they could do to help me out because I was barely able to work, and we were down to one income. From XXXX of XXXX XXXX I had lot going on in my life that caused me to fall behind and I communicated this to Captial one. In XXXX of XXXX I requested for financial hardship stating that I could provide any information related to my medical issues and documentation of situations that my husband and I were facing at the time. We later received a letter of denial and from that time I have received eleven late payments that have been reported to the three reporting agencies. ( XXXX, XXXX, XXXX ) I have documentation from XX/XX/XXXX until XX/XX/XXXX that I have been admitted into the hospital several times ( XXXX XXXX ) during my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I advised my credit card company of this issue, and I believe that it was mishandled to allow them to continue to charge late fees to my account. At the time I was unaware of this issue XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Before I could return to work. At this time, I seen that I had eleven missed payments plus several late fees and interest charge to my account. I spoke to several managers at Capital One during this time and was unsuccessful at getting a resolution. 

I explained to several Capital One representative my circumstances and all they would do would relieve a couple of late fees. I returned to work in XX/XX/XXXX after healing from my XXXX It took a couple of months to reestablish myself and get a paycheck. This also had an impact on me being able to cover my payments. I went on XXXX different payment plans with Capital One to try and help with my account. When I accepted my XXXX XXXX XXXX XXXX XXXX, it was XXXX, so I didnt receive a check over the summer for XXXX of XXXX. This also impacted me because my husband and I were down to One income. We also faced my husband losing his job due to unforeseen circumstances. This all had a financial impact on our family and being able to pay my Capital One credit card. I communicated all these details to my Capital One and feel that I didnt receive any help. It wasnt until XXXX of XXXX that I received my XXXX XXXX XXXX that allowed me to earn a paycheck and return back to work from the medical stuff. I get once a month and didn't get my very first paycheck until XX/XX/XXXX, making it impossible for me to have made any payment before that date due to the circumstances.
Product: Mortgage

We received a mortgage loan through Wells Fargo Financial in 2005, ( this being a refinance from an earlier loan ). We have since discovered that this loan was based on the rule of XXXX 's for the application of payments. Congress passed law in 1991 stating that this form of accounting could not be issued to loans over 61 months, our loan is for 240 months. Because of this loan structure, we were unable to refinance with any other company because we owed far more on the loan than we originally borrowed. We have tried for 5 years to have Wells Fargo correct the errors in our loan servicing, to no avail. After 5 years, Wells Fargo has now foreclosed on the property. We had to file an emergency Chapter XXXX bankruptcy in order to save our home. After years of research, I have uncovered more errors in the loan servicing. Examples of these errors are : WFF APR is twice the amount of the average APR at the time of the loan making this a high cost mortgage, of which are subject to the requirements of TILA 12 C.F.R. 1026.35 ( Title 12 of the Federal Register ). TILA Sections 108, 129, 129B, 129C and 130 state the statute of limitations to be 3 years. Our appraisal and income was inflated in order to qualify for this loan, a violation in which the originator must make certain of the ability to repay. No counseling session was required thus no counseling certificate was presented. 12 CFR 1026.32 ( d ) ( 6 ) prohibits pre payment penalties on these loans. 12 CFC 1026.35 ( b ) requires escrow to be established ( no escrow established on our loan ). 12 CFR 1026.36 prohibits loan originator compensation whereas our loan included commission to the officer. 12 CFR 1026.36 ( h ) prohibits mandatory arbitration on waiver of certain consumer rights, such arbitration agreement was included in our loan closing. The loan originator must be licensed with XXXX and the loan documents must reflect this. No Identification number was included, bringing up the question as to the qualifications of the originator. We never received our Truth in Lending Disclosure. With all this being said, due to the structure of this loan and our inability to have these errors corrected, our credit has been significantly damaged and un-repairable. The damages that Wells Fargo has caused us both financially and emotionally are insurmountable.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, XXXX is reporting a collection on my credit report that has been paid in full. XXXX XXXX XXXX is the original creditor.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX Date : XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Charge-Off on My Credit Report Under 15 U.S.C. 1681i Dear Equifax Dispute Department, I am writing to formally dispute the accuracy of a charge-off that appears on my credit report. According to 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to ensure the completeness and accuracy of the information included in a consumers credit report.

The charge-off in question appears to be inaccurate and unverified. Therefore, I am requesting that you : Conduct a thorough investigation of this item in compliance with 15 U.S.C. 1681i.

Verify the validity of this charge-off directly with the original creditor.

Remove the item from my credit report if it can not be verified or is found to be inaccurate.

Laws Being Violated : 15 U.S. Code 6801 : Protection of personal information.

15 U.S. Code 6802 : Obligations regarding the disclosure of personal information.

15 U.S. Code 6803 : Disclosure of privacy policies.

15 U.S. Code 1681e ( b ) : Accuracy of credit reports.

15 U.S. Code 1681a ( d ) ( 2 ) : Exclusion of certain transactions from credit reports.

18 U.S. Code 1028A : Aggravated identity theft.

These violations indicate a failure to protect my consumer rights under federal law. If the charge-off can not be verified as accurate, it must be promptly removed from my credit report.

Relevant Law : 15 U.S.C. 1681i This section of the FCRA requires consumer reporting agencies to investigate disputed information. Specifically : ( a ) Reinvestigation of Disputed Information ( 1 ) Reinvestigation Required : If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer, and the consumer notifies the agency directly of such dispute, the agency shall 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, within 30 days.

As stated by law, you are required to complete your investigation within 30 days and provide me with a written response.

To assist in your investigation, I am including copies of my identification and proof of address. Please confirm receipt of this dispute and notify me once the necessary corrections have been made.

Thank you for your prompt attention to this matter. You may contact me via email at XXXX or by mail at the address provided above. 

Sincerely, XXXX XXXX XXXX XXXX