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

Visited Regions and disputed the {$5.00} charge they said wasnt paid from overdraft account. I went in person to bank and they said they would remove and update my credit report. They did not. I can not get XXXX or XXXX to remove this " late payment " account on my credit file or update. I paid the account off in whole when I heard about this problem. No notice from Regions and they could have taken out of my checking account which had {$200.00} in it. Can't get XXXX XXXX XXXX XXXX to update and remove late payment notice. All seems senseless over {$5.00}. Now have a late payment on my credit reports. 



Report Created On : XX/XX/year> File Identification Number : XXXX Provided by XXXX XXXX Relations Your Investigation Results INVESTIGATION RESULTS- VERIFIED AS ACCURATE and UPDATED : The disputed item ( XXXX ) was verified as accurate ; however, other information has also changed. 
We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE ; however, we updated : Date Updated; Last Payment Made ; Past Due ; Pay Status ; Maximum Delinquency ; Rating ; Historical Trended Data. Here is how this account appears on your credit report following our investigation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AL XXXX
Product: Debt collection

AMERICOLLECT HAS A ACCOUNT ON MY CREDIT FILE THAT IS NOT MINE
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I viewed my consumer report and noticed my personal information is listed incorrectly. 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : My Full Legal Name : XXXX XXXX XXXX My Address : XXXX XXXXXXXX XXXX  XXXX XXXXXXXX XXXX XXXX, NJ XXXX. My only Phone number is ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

Charge-off accounts extending statue of limitations and in violation of FCRA section 623 15 USC 1681S-2 responsibilities of furnishers of information. XXXXXXXX XXXX XXXXXXXX accounts payment history XXXX, XXXX, XXXX accounts XXXX, XXXX XXXX  account XXXX. Duplicate accounts repeated across all three credit reporting agencies and Equifax has inquiries that are in violation of 15 USC 1681 ET SEQ. Section 604 of Fair Credit Reporting Act.
Product: Bank account or service

This is more of a report the fact what has happened to the issue of the " counterfeit XXXX dollar bill '' which was being reported to the secret service that I had obtained from within Bank of America 's branch at XXXX XXXX, XXXX XXXX, XXXX, NJ. Since the political climate is hardly fair to minority female today, I as a bank customer will report this matter before it gets any worse down the road. 
I was withdrawing cash from my checking account over the counter from the clerk within the Bank of America branch on XXXX XXXX around XXXX XXXX EST. Since I withdrew XXXX dollar bills, none of it could have come from ATM according to BOA 's policy, neither do I get " XXXX XXXX dollar change '' myself or possibly received it from anywhere else other than the bank. Later on, XXXX of the bill was being suspected as a " counterfeit bill '' while I pay my expense over XXXX counter on XXXX XXXX, 2017. And this bill is now being submitted to secret service and being investigated. I, as a bank customer, have no idea what bill I will get over the counter, neither do I have the know how and technique nor interests to counterfeit any bill. Whatever the outcome is, although BOA had guaranteed to refund me the amount should it turned out to be a counterfeit, I do not wish for this incident being leveraged to retaliate my employment or being leveraged to libel reference me in any perspective of my life as I had experienced here in NJ for the past 5 years in both career and private life. I want the relevant organizations to act ethical and professional on this matter and treat me fairly as a client instead of having me responsible for their business or conduct. Thank you Regards, customer
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Acceptance placed unauthorized inquiry on credit file. Requested validation of authorization and signature multiple times.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting actXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on credit card amount under an open end consumer credit plan as late for purpose
Product: Credit reporting

I have a hard inquiry on my credit report from XXXX XXXX, 2014 that I DID NOT AUTHORIZE. I am a member of a number of credit unions in XXXX. WHY ON EARTH WOULD I ever ask for credit from some unknown, inconsequential, out of state auto financing? I WOULD NOT! My cars have been financed through XXXX, XXXX, and XXXX. I NEVER authorized a credit check to finance my car at some out of state, sounds like a used car lot agency! Please get this removed. Trans Union and XXXX. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I had a lease with XXXX from XXXX - XXXX. The lease paid off early by our insurance company in XX/XX/XXXX. XXXX started reporting Collection/Chargeoff on our reports for XXXX and XXXX of XXXX My husband called to rectify the issue. XXXX fixed the errors on all the Reports except for my Transunion where it is still Collection/Chargeoff and is hurting my credit dearly.
Product: Credit reporting or other personal consumer reports

This morning, I was surprised to find unauthorized inquiries on my credit report for no apparent reason. I regularly check my report, but this time, things were off. I even tried refreshing my browser to check for glitches, but it didnt helpthe inquiries stayed. I am requesting that the documents Ive submitted be examined closely so that this issue doesnt persist and I can finally have peace of mind.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft as I have previously notified Experian before
Product: Debt collection

After being advised of a large debt on my credit report on XXXX/XXXX/XXXX, I contacted Capital One on XXXX/XXXX/XXXX, who very vaguely told me that my account was " Charged-Off '' and I needed to contact XXXX ( the collection agency ) which C1 supplied the phone number to me. I asked C1 to send me a copy of my back statements so I could find out what happened & when. As of this date ( XXXX/XXXX/XXXX ), I still have never received anything from Capital One. I then contacted XXXX on XXXX/XXXX/XXXX and asked them about my account. I was told they just received the info. They looked into it and contacted me back the next day ( XXXX/XXXX/XXXX ). Since then I was getting a call a day from XXXX occasionally 2 or 3 calls a day, until I asked them to not call me every day about it & I was looking into the matter. On XXXX/XXXX/XXXX, I received an envelope from XXXX postmarked XXXX/XXXX/XXXX with copies of my statements for the past year, and a letter from them dated XXXX/XXXX/XXXX. 

Going back through all my previous statements, I found that this automatic withdraw payment problem with Capital One has been going on since XXXX XXXX. I do not look at statements every month and knowing my other Capital One accounts are on an automatic withdraw payment plan with no issues, I did not know there was a problem. To this day, I still have not found or received any info from Capital One advising there was a problem with this account. Every month, C1 has been adding late fees, returned payment fees, interest fees, and changing the APR rate ( there may be more that I am unaware of ). The amounts keep changing, some months are higher & others are lower. 

When I originally spoke with the lady at XXXX, she agreed with me, seeing my information coincided with what she was seeing. 

Another issue compounding to this problem was my original C1 account number had been compromised. C1 issued a new card with a new number. 

I received 2 from calls XXXX last week, 2 more calls on XXXX/XXXX/XXXX and another one last night.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not have a contract with XXXX XXXX XXXX. I am not liable for collection of these debts from XXXX XXXX, Colorado. I am not responsible for this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. We have been sending written letters since XX/XX/2021 with regards to my request of removing the items in question and my last request was sent XX/XX/2021. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the Bureau, as willful negligence and non-compliance with federal statutes.
Product: Credit reporting or other personal consumer reports

I HAVE REVIEWED A COPY OF MY CREDIT REPORT AND THERE IS MULTIPLE ACCOUNTS THAT I HAVE NOT OPENED WITH ANY OF THESE AGENCIES. I HAVE CONTACTED EACH COMPANY WHO FAILED TO PROVIDE ANY ORIGINAL WET INK SIGNATURE CONTRACT ACCORDING TO SECTION 609A OF THE FAIR CREDIT REPORTING ACT. I AM REQUESTING THAT THE FOLLOWING INFORMATION BE DELETED FROM MY CREDIT REPORT IMMEDIATELY. FAILURE TO DELETE WILL RESULT IN A LAWSUIT AGAINST EACH AGENCY REPORTING FRAUDULENT INFORMATION TO MY CREDIT PROFILE. SECTION 605B OF THE FCRA REQUIRES THIS INFORMATION TO BE PERMANENTLY DELETED WITHIN 4 BUSINESS DAYS OF RECEIPT OF THIS INFORMATION. 

XXXX # XXXX - {$13000.00} THIS ACCOUNT IS INVOLVED IN LITIGATION. THIS ACCOUNT IS NOT MINE. XXXX NEVER FILED AND CLAIMED AS BAD DEBT BECAUSE ACCOUNT IS FRAUDE XXXX XXXX XXXX # XXXX {$3600.00} THIS ACCOUNT IS INVOLVED IN LITIGATION. COMPANY FAILED TO PROVIDE WET INK SIGNATURE CONTRACT PURSUANT TO SECTION 609A OF THE FCRA. 
XXXX XXXX XXXX # XXXX {$19000.00} THIS ACCOUNT IS FRAUD, SECTION 605B REQUIRES TO PROMPTLY DELETE WITHIN 4 BUSINESS DAYS. COMPANY FAILED TO PROVED WET INK SIGNATURE CONTRACT. NO 1099C FILED TO CLAIM AS BAD DEBT BECAUSE ACCOUNT IS FRAUD. XXXX XXXX XXXX IS NOW COMMITTING FRAUD. 
XXXX XXXX  # XXXX {$4000.00} THIS ACCOUNT IS INVOLVED IN LITITGATION XXXX 
XXXX XXXX XXXX # XXXX THIS ACCOUNT IS INVOLVED IN LITIGATION. 
XXXX XXXX XXXX  # XXXX - {$550.00} THIS ACCOUNT IS FRAUDULENT, DELETE WITHIN XXXX BUSINESS DAYS XXXXXXXX XXXX  # XXXX XXXX THIS ACCOUNT IS INVOLVED IN LITITGATION. THIS ACCOUNT IS NOT MINE. THIS ACCOUNT WAS CHARGED OFF. 1099C NEVER FILED ON CREDITOR TAX RETURN WHICH IS FRAUD. CREDITOR CAN NOT PROVIDE COPY OF WET INK SIGNATURE CONTRACT
Product: Credit reporting

That I have went under some names like XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX something like that My name is XXXX XXXX XXXX And there has be fraud under these names and now my name ...
Product: Credit reporting or other personal consumer reports

I am exercising my consumer right to dispute information on my credit report on the grounds of XXXX XXXX reporting standards, and Fair Credit Reporting Act ( FCRA ), Sections 621 and 623 compliance. This is the second attempt in writing to dispute this information with my original request sent via XXXX mail on XX/XX/2023. I have highlighted the XXXX accounts in dispute including the furnisher, bureau, field, and error. 

The FCRA stipulates data furnishers must report data that is accurate, consistent, and complete. Industry standards including XXXX XXXX are also applied to ensure consistency and accountability between consumers, furnishers, and reporting agencies. As shown, neither standard is being adhered to. 

There are multiple instances on each of the XXXX ( XXXX ) accounts where the data being provided is not complete, nor consistent across the XXXX bureaus ( XXXX, XXXX, and Transunion ). In total, XXXX data fields marked as required, per industry standards, are not populated. Furthermore, there are approximately XXXX data fields with inconsistent or inaccurate information. It is generous to say the data being furnished is not accurate, consistent, or complete. 

The XXXX  XXXX XXXX XXXX XXXX XXXX has its statutes for fair credit reporting and enforces the following actions concerning disputes : Maine law requires that the investigation be completed by the bureau within twenty-one ( 21 ) calendar days. ( Federal law is less specific, requiring that such investigations be completed within a reasonable period of time. ) If at the end of that period you are proven correct, or if the original information can not be verified, the bureau must remove the information from its records. It can not reinsert the information at a later date, unless it is first verified. After the credit bureau completes its investigation, the law requires that it notify you immediately of the results. 

The XXXX XXXX XXXX XXXX ( XXXX ) has specific guidelines related to accuracy/integrity, consumer disputes, and reporting guidelines for specific accounts. Copies of these guidelines have been included for reference and again, are not being adhered to. 

In summary the information contained in the disputes sent on XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, has not been verified, nor deleted within the given time frame defined on both state and federal levels. My request to review the information used to verify accounts has neither been granted nor acknowledged. This is a direct violation of my consumer rights. 

I am therefore demanding each of the XXXX ( XXXX ) disputed accounts be removed, not updated, immediately from each report at the XXXX major reporting bureaus. Please be advised that failure to uphold your obligations as a consumer reporting agency will result in civil litigation and possible sanctions or fines from both state and federal regulators. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

On XXXX  I called the office requesting to extended my pay day due to I have a XXXX, the person answer me in a bad actitude and told me they are going to repose my car, I never say im not going to pay, im only ask if i can send my payment the XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. " XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX : XXXX. XXXXXXXX XXXX  '' my ssn : XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, IL XXXX Previous address : XXXX XXXX XXXX XXXX XXXX, IL XXXX
Product: Debt collection

I do not know why I have two collection accounts with your company. I have checked with XXXX XXXX who took over XXXX XXXX XXXX ( the facility that I was seen at ) they have no record of these bills. I have no idea where the charges came from, what they are for and if insurance was bill properly. Can you please provide validation of the accounts that are showing up on my credit report? I just find it very strange that the medical facilities do not have a record of these charges or me owing anything. I spent over an hour on the phone with them trying to figure out where these bills/charges originated from.
Product: Debt collection

Palisades Collection is attempting to collect a debt that was discharged. They are harassing me at my workplace and at home. It appears that they know the ramifications but they are persistent and they are sneaky and nasty ( and intrusive ) with their ploys.
Product: Checking or savings account

I dispute some translation on my Wells Fargo bank but they denined many times .They say fist step their investigate team see those transactions was authorized because they send me link to put PIN code and just only me know this pin.My email address is same with bank account ..and said XXXX XXXX refuse refund. 
After I contact XXXX XXXX and send them my ID thief report number and explain my situation, They advised me contact Wells Fargo to help because only bank can do that, They check in system they never recived any chargeback request from my bank.I feel hopeless.
Product: Debt collection

AFFIRM INC CT CORPORATION XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX To : The office of Registered Agent for AFFIRM INC From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent '' is authorized to administrate ( acting trustee ) on the XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association passing XXXX XXXX XXXX private and personal information to other members, possibly resulting in identity thief. Also, relating information to personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. 

Consumer disputes this debt and ALL claims in accordance of 16 CFR 433.2, Title 15 USC 1692, Regulation Z, Regulations M and All applicable UCC Articles. 

If you lack understanding of this paperwork, forward to your ATTORNEY. 

Govern yourself accordingly By : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft. I sent XXXX, XXXX, and XXXX my FTC report on XX/XX/2022. According to 15 USC 1681c-2, 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 ( 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 is not information relating to any transaction by the consumer.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX  XXXX {$XXXX} XX/XX/XXXX XXXX XXXX  XXXX XXXX {$XXXX} XX/XX/XXXX XXXX XXXX {$XXXX} XX/XX/XXXX NAMES NOT RECOGNIZED XXXX XXXX XXXX XXXX NOT XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX  XXXX INQUIRIES NOT RECOGNIZED XXXX XXXX  XXXX Bank Credit XXXX XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX Equifax, XXXX XXXX XX/XX/XXXX Equifax, XXXX Mortgage Companies - XXXX  XX/XX/XXXX XXXX, XXXX Mortgage Companies - XXXX  XX/XX/XXXX XXXX, XXXX Mortgage Companies - XXXX  XX/XX/XXXX XXXX XXXX XXXX Mortgage Companies - Finance XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Credit Cards XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Cards XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX Bank Credit Cards XX/XX/XXXX XXXX, XXXX XXXX Mortgage XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX Mortgage XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX NOT RECOGNIZED 12/10/1978 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. NAMES NOT RECOGNIZED XXXX XXXX XXXX ADDRESSES NOT RECOGNIZED XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX INQUIRIES NOT RECOGNIZED XXXXXXXX XXXX XXXX Bank XXXX XXXX XX/XX/XXXX XXXX, XXXX - XX/XX/XXXX Equifax, XXXX - XX/XX/XXXX Equifax, XXXX Mortgage Companies - XXXX  XX/XX/XXXX XXXX, XXXX Mortgage Companies - XXXX  XX/XX/XXXX XXXX, XXXX Mortgage XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX Mortgage Companies - XXXX XX/XX/XXXX XXXX, XXXX XXXX Bank Credit XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Bank Credit XXXX XX/XX/XXXX XXXX XXXX XXXX Personal Loan Companies XX/XX/XXXX XXXX, XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX XXXX Mortgage XXXX XXXX Credit Union XX/XX/XXXX XXXX, XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX XXXX Mortgage Companies - XXXX  XX/XX/XXXX XXXX XXXX NOT RECOGNIZED XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached the point where I dont expect too much from you now because you continued to report this fraudulent information in my file though I have sent over the documents needed to justify my concern about being an identity theft victim. I dont believe that you there at Transunion have no time to tackle or review my complaints and Im sure you have seen the FTC Ive sent. And now, Im attaching the required FTC Report again for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy ... Be responsible and abide by the FCRA Law! 

XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX BANK XXXX, XXXX XXXX, XXXX CARD XXXX
Product: Debt collection

A notice of cease and desist, as well as a request for proof of a contract was sent to the Virtuoso Sourcing  Group on XX/XX/2018.  However, they refuse to respond.  Instead harassing and contacting me everyday, 3-4 times a day since the date listed on the notification letter of XX/XX/2018.