23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

On XX/XX/2021 I applied for a secured line of credit with XXXX XXXX I put down a limit of XXXX dollars for 15 months I paid my card on time and accordingly. Unfortunately due to a string of tragic events I was unable to keep up with secured card balance. The institution XXXX XXXX then went on to place my account with months of late payments following a result of my account being labeled Charge- Off. I am aware the IRS clearly defines a Charge- Off as gross or ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate!
Product: Credit reporting or other personal consumer reports

There was an FTC report filed in XXXX of XXXX, and last month I sent an updated letter to Equifax informing them that the unauthorized inquiries that were included in the FTC report over 9 months ago are still reporting on my credit report. The only permissible purposes of an inquiry are employment, insurance, court order and firm offer of credit, neither of which apply - remove the following inquiries immediately : 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. This account violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.BANK OF AMERICA XXXX Open Date XXXX XXXX, 2005 Balance : {$25000.00}. In 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the TransUnion credit bureau to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : USDOEXXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}, USDOE/XXXX  XXXX Date Opened XX/XX/XXXX Balance {$0.00}, and USDOE/XXXX  XXXX Date Opened XX/XX/XXXX Balance {$0.00}.
Product: Debt collection

I have contacted XXXX  about I've called the company to tell them to quit calling so everyday and sending letters every week
Product: Credit reporting, credit repair services, or other personal consumer reports

My social security card was stolen with lots of my document in the year XX/XX/2017during XX/XX/XXXX, and since that day a lot of hard inquiries have been showing up in my credit report I have contact the companies where does accounts were open but they have not removed them from my credit report
Product: Credit reporting or other personal consumer reports

I am reminding you once again that you must remove any claims listed above or below that have not met the minimum criteria required for you to assume the privilege of reporting. If you fail to prove the undeniable facts of each allegation and adhere to the necessary reporting practices mandated by the CDIA 's Metro 2 Compliance standards, then I contest the reportability of any such claim. The CDIA 's CRRG stipulates that " ANY DEVIATION FROM THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA. '' Therefore, it is imperative that you accept my challenge to prove the accuracy and compliance of each claim. I demand that you remove any such claim immediately from reporting as I have requested. 
Your agency is in violation! 
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.

Below listed is the currently reported not yet proven valid nor demonstrated as being certifiably compliant reported allegation ( s ) of information that I mark as being in question.

Listed below are the Personal Information that are being challenged Employer - XXXX XXXX XXXX XXXX Incorrect Name - XXXX XXXX Incorrect Name - XXXXXXXX XXXX XXXX Incorrect Current Address - XXXX XXXX XXXX, XXXX, NJ, XXXX Incorrect Previous Address ( es ) - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY, XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NOTICE FOR REMOVAL OF INQUIRY REQUEST : According to Section 604 of US CODE 15 USC 1681 et seq., it is clearly stated that any entity requesting access to a consumer 's credit report must have a lawfully acquired and permissible purpose as outlined by the Fair Credit Reporting Act ( FCRA ). We demand to know if you and/or any other reporting party have provable and demonstrated lawful permissible purpose ( s ) for obtaining my credit report profile or any portion thereof. You must provide physically verifiable proof of this lawful permissible purpose, even if I have not authorized the inquiry or have no knowledge of it. Failure to provide such proof means that you must remove any inquiry reporting related to the event ( s ) in question. I am challenging you to demonstrate your mandatorily submitted permissible purpose proofs, and I hereby demand that you delete any such alleged inquiry reporting upon your failure to do so in a timely manner, whether willfully or due to your reckless ignorance.
Product: Checking or savings account

Bank of America charged my checking account a {$12.00} " convenience fee '' on XX/XX/XXXX without authorization. When I called about it, they told me that to avoid the fee, I would need to have a daily balance over {$1500.00}, or direct deposits totalling over {$250.00} per month. At the time of the charge, I had almost {$2000.00} in the account and it was receiving {$400.00} per month in direct deposits. When asked, the representative was not able to tell me how the daily balance was calculated, if it was an average, median balance, mode balance, or random sample etc. They refused my request for a refund. When I went to a local branch to close the account, they initially said I would need to drive to another location, but eventually let me close the account while talking to a banker there. I then had to stand in line to get my money returned to me. The entire process took over an hour and made needlessly complicated. A week later I was told I was getting a new ATM card from BofA. I called to find out why, only to find that the bank did not close my savings account as requested.
Product: Vehicle loan or lease

I sent in a dispute letter via online and certified mail on XX/XX/2024 stating To Whom It May Concern : I am writing in regard to the above-referenced accounts and transactions. 
Credit Consultants Association 336 CREDIT ACCEPTANCE CORP - ( reported balance {$13000.00} ) REPOSSESSED and sold to an auction for {$9000.00}. Im requesting that it be removed from my report, the information and balance reported is inaccurate. This vehicle was repossessed by XXXX XXXX in the State of <LOUISIANA> and resold. Under the laws of the State of <LOUISIANA> UCC <Your stats UCC code, you will need to look this up> and State XXXX  and XXXX statutes a deficiency can not be claimed unless all of the required notices were properly and timely given and all of the allowable redemption and cure time limits were adhered to. 

Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void and any continued collection activities, or continued reporting of this invalid claim on my credit reports, will be considered a violation of the FDCPA and FCRA. In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available state and federal statutes and UCC 9 remedies.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Ive been an account holder with this company since 2008. I was charged monthly fees and overdraft fees. This is my first time submitting a complaint.
Product: Debt collection

On XX/XX/XXXX, I receive a letter of collection from XXXX ( XXXX XXXX, soon to be XXXX XXXX ) about a debt that I am already paying on via offset of my Social Security. They are threatening collection action if I do n't make payment arrangements ( current letter included, dated XX/XX/XXXX). I have been paying this debt, above a reasonable amount since XX/XX/XXXX ( Documents attached, except XX/XX/XXXX as that document is missing ). 
This company does not participate in an Income-Driven Repayment Plan with the US Government, Dept of Education, yet, they collect for the Dept. of Education. I have submitted such a request ( IBR ) to the Dept. of Education, via XXXX, and they have long-since accepted this. I am currently on forbearance. 
I highly resent their letters to me threatening collection when they are already collecting on the debt. I do not talk to them as they contact me through various, unknown phone numbers and often, the people on the other end are not helpful. Furthermore, voicemails that are left leave only a name of person to call and, " Please call this number and reference this file [ some number given ]. '' As no other information is left, no calls are returned.
Product: Credit reporting or other personal consumer reports

This letter is being sent to you in response to illegal findings and violations found within Claimants account with your company. According to U.S.C 6802 under subsection ( b ) Opt OUT ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option, Such option was never discussed with consumer but, consumer 's private information has been shared with several third party companies. 
Be advised that your claim is being disputed and validation and proof of claim of the disputed debt is requested in accordance with the Fair Debt Collection Practices Act 15 U.S.C 1692, The Fair Credit Billing Act ( FCBA ), and the Truth In Lending Act 15 U.S.C 1601 all of which work in conjunction with each other. It is not now, nor has it ever been my intention to avoid paying any obligation that is lawfully owed by the Claimant. In order to make arrangements to pay an obligation which may be lawfully owed, please document and verify the debt by complying, in good faith with the request for validation and return it to me within thirty ( 30 ) days of receipt of this letter. This is not a request for verification or proof of claimant mailing address but, a request for VALIDATION and PROOF OF CLAIM made pursuant to the above named title and sections. I respectfully request that your offices provide claimant with competent evidence Declaration and proof of claim that Claimant has any legal obligation to pay you the unsubstantiated alleged debt. Furthermore you shall cease all verbal communications. No phone calls to the Claimant. 



Accounts include : 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 or other personal consumer reports

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

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXXXXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

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

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

Delete the late payments from my consumer reports
Product: Money transfer, virtual currency, or money service

We are a XXXX based company. On XXXX XXXX, 2020, we made a wire transfer to our US based partner company for payment of an invoice. Their bank is Wells Fargo. The wire transfer was sent and on XXXX XXXX, 2020, we were advised that our partner did not receive the funds. We realized the account number was incorrect on the wire transfer, so we immediately went to our bank, XXXX, and advised them. They immediately put a stop on the transaction even though it was several weeks later. In looking at the wire transfer information, the account number did not match the payee company information. When this information does not match, the policy of all receiving banks is to hold and return the funds to the originating bank and a new corrected wire transfer submitted. All details on cheques, drafts, money orders, wire transfers, etc. must be accurate and match before a deposit can be completed. In the past, we have had payments to US based suppliers and payments from US based customers held and returned due to inaccurate information on bank drafts and wire transfers. This causes delays and is inconvenient but necessary and understandable to maintain the integrity of the international banking systems. 

I contacted Wells Fargo to talk to them and was advised that they could not speak with me because I was not their client. I asked my partner company that was the client, to speak with Wells Fargo, and they were advised they could not speak with them either and Wells Fargo would only speak with the originating bank ( XXXX ). We spoke with our bank, XXXX, and they have been trying to get the money returned to our account but Wells Fargo are not co-operating. We believe the money was deposited to the erroneous account which is against bank policies and Wells Fargo is trying to hide their negligence. The amount is {$79000.00}. This is a large amount and an international transfer over {$10000.00} in value. We were under the impression that all amounts over {$10000.00} entering the US were required to be scrutinized for fraud and to prevent money laundering. These simple bank procedures were either not performed by Wells Fargo and our money has not been returned to XXXX for us to send a corrected wire transfer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been speaking with the 3 major credit bureaus for months. There is no way for me to be able to deal with them any longer as they arent successful obeying the law. Please note there are too many unverifiable items on my credit file that dont belong. The comprehensive credit act of XX/XX/2020says so. See section 401. There is no contract so there is no way that these should remain on my credit file. 

XXXX - {$550.00} XXXX XXXX XXXX - {$260.00} XXXX XXXX XXXX - {$420.00} XXXX XXXX  - {$780.00} XXXX XXXX XXXX - {$420.00} XXXX XXXX XXXX - {$700.00} INQUIRIES UnAuthorized XXXX XXXX/XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX
Product: Debt collection

I have disputed it XXXX to 4 times through XXXX and XXXX XXXX. They continue to say that it is validated in my debt. However, they will not show me any proof that it is it is absolutely not my debt and I want it removed from my credit report they have threatened me over the phone. They have called my job. They have harassed me numerous times of the day while Im at work they will not
Product: Debt collection

XX/XX/2019 collection account placed on my credit profile for {$830.00}. 

XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

to whom this may concern i want to inform your office that you are in violation of fcra and fdcpa .you have violated my rights by reporting False inaccurate information by placing these false accounts on my consumer credit report..the list of collection that are reporting has not been opened by me i have no knowledge of them, be advise by law i have the right to PRIVACY and you the credit reporting agencies have violated it..the list of accused collections accounts and dates FOLLOW AS : XXXX XXXX XXXX opened XXXX XXXX for {$350.00} ..BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELTED UNTIL FURTHER INVESTIGATION ... THE CREDIT REPORTING AGENCIES AS FOLLOW : XXXX XXXX  AND XXXX  ARE CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA. under 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapt
Product: Debt collection

I am writing to formally dispute and request the removal of a fraudulent account that has appeared on my credit report with your bureau. I have already successfully disputed this account with the other credit reporting agencies, and they have promptly taken the necessary actions to rectify the situation. The fraudulent account in question is XXXX XXXX, and I believe it is a result of identity theft. I reported this issue to your bureau on XX/XX/2023 and I have submitted all required documentation, including the identity theft affidavit, a copy of my ID, and any other supporting evidence. 
I am confused and concerned about why your bureau has not acted in accordance with the Fair Credit Reporting Act ( FCRA ) and allowed this false information to tarnish my credit score.

Failure to comply with this request within the legally mandated time frame will leave me with no option but to pursue legal action to protect my rights under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XXXX XXXX XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I.m dispute this debt because it was already paid company sent me letter that i.m disputed the payment matter was already paid Notice Date : XX/XX/ amount {$10.00} this amount was paid XXXX
Product: Debt collection

I found an entry on my credit report submitted by Allied Collection Services , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX. I called to find out what this was about and they claimed it was related to pool services yet they never contacted me about the debt before submitting it to credit agencies. When I spoke to Allied Collection Services, they admitted they had the wrong telephone number for me, and had never contacted me about the debt, but instead claimed that by me disputing the entry on my credit report, this constituted being contacted by them about the debt. Again, before having the entry for a debt added to my credit report, Allied Collection Services : ( 1 ) never spoke with me in person about the debt ; ( 2 ) never spoke to me by telephone ( they claimed to have left messages though they admitted the messages never mentioned a debt ) ; ( 3 ) never mailed a letter ( though they claimed they had ) ; and ( 3 ) never sent me an email about the debt, prior to contacting the credit reporting agency. The debt itself relates to a matter in dispute with a pool services company. At the time they claim to have sent me a letter I was still trying to resolve the issue with the pool services company. If I had been properly contacted I would have let Allied know this. As of now, the underlying issue with the pool company will have to be settled through litigation. When I called Allied Collection Services after seeing my credit report to try to resolve the issue with them, I was told to " do what I have to do '' and hung up on, so I'm now filing this complaint.