23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to dispute the actions of [ Cain & Weiner ] regarding a collection account that has been reported to consumer reporting agencies. Despite my requests and the provisions outlined in federal consumer protection laws, [ Collection Agency Name ] has failed to provide validation information and has violated my rights under the Fair Debt Collection Practices Act ( FDCPA ) and related regulations.

Specifically, [ Cain & Weiner ] has not provided validation information as required by 12 CFR 1006.34 ( b ) ( 5 ). Despite my requests for validation of the debt, they have failed to provide any documentation to verify the legitimacy of the account in question.

Furthermore, I have not been given the opportunity to dispute the account as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This failure to provide me with the required dispute process is a clear violation of federal consumer protection laws.

Additionally, [ Cain & Weiner ] has engaged in deceptive and misleading practices by reporting this account to consumer reporting agencies without fulfilling their legal obligations under 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ). Their actions constitute a violation of my rights and protections as a consumer.

I respectfully request that the Consumer Financial Protection Bureau investigate the actions of [ Cain & Weiner ] and take appropriate measures to address these violations of federal consumer protection laws. I also request that [ Cain & Weiner ] be held accountable for their actions and be required to provide the validation information and dispute process as mandated by law.

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this dispute. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXXXXXX XXXX XXXX, account number XXXX. 

In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so I may follow up. Please send me an updated copy of my credit report after your investigation.
Product: Credit reporting

I obtained a copy of my credit report and when I attempted to dispute information in the file by way of their website, it was not able to be done. The site required me to mail in my dispute with a fee.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the fraudulent accounts and inquiries listed below from my credit report. As a victim of identity theft resulting from a data breach, I invoke my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
The following fraudulent inquiries were made on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Received a phone call from XXXX XXXX Bank. Asking me to return their call about possible fraud with reference # XXXX. I have left XXXX separate messages and have heard nothing back from XXXX XXXX bank.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), 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 or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Inquiries : 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: Student loan

XX/XX/2023 attempted to make a payment online. Red error message pops up reading " we're sorry - an error occured. Please try again '' I tried again today XX/XX/2023 I believe they are preventing me from paying down accruing interest.
Product: Money transfer, virtual currency, or money service

WF, I trust this letter finds you well. I am writing to formally request a comprehensive review of my denied claim, involving unauthorized transactions totaling {$150000.00} on my account. 
I recently received notice from the claims department that my claim was denied on the grounds that the transactions were authorized by me. I wish to emphatically state that I did not authorize these transactions, and I have substantial evidence to support my claim : 1. Police Report and Suspect 's Confession : o Attached, you will find a police report detailing my victimization through identity theft. The suspect has confessed to using my identity to deceive bank staff into wiring funds without my authorization. 

2. Proof of Work Attendance : o Additionally, I have attached documentation proving my presence at work during the time of the unauthorized transactions, further confirming that I did not initiate these actions.

3. Wells Fargo Authorized User Policy : o Finally, I have attached the Wells Fargo policy stating who is considered an authorized user. The suspect was never an authorized user and I never gave him my banking information to wire money. As a matter of fact, Ive never made a wire in my life. 
I am seeking a fair and thorough review of the evidence provided. It is my firm belief that the circumstances surrounding this case warrant reconsideration and prompt resolution. 

Id like to stress I DID NOT make these transactions and I am asking Wells Fargo to pay me back for the unauthorized transactions. Wells Fargo has a duty to reimburse me for the unauthorized transactions by law and my customer agreement. 

I am available at XXXX or XXXX to provide any additional information or clarification required for the mediation process. 

Thank you for your prompt attention to this matter. I look forward to a swift and fair resolution. 

Sincerely, XXXX XXXX XXXX
Product: Credit card

I have been dealing with Kay Jewelers recently over constant lies to me and misinformation. When i signed up for 12 months interest free financing i new it was on that particular item, 4 months later i bought another item not included in the 12 months free program and i asked will that mess up my interest free financed item they said no, well it did because at the end of the 12 months my balance was way higher than should be and i was charged back fees. their excuse was i was late multiple times which there lays another problem, anytime i missed or was late i called and paid it asap and asked each time was there a late fee and i was told no. they then said they can refund part of my account, {$160.00} dollars than after it posted they recharged it. i have called them numerous times. they will not help, they say they will look into and call back and i have been waiting on the calls, some of their tactics should fall under predatory lending since they told me i didnt owe any late charges when they knew i did and they knew that would cause me to not be at a zero balance at the 12 months as well.
Product: Checking or savings account

XXXX thought Pncbank was down finally realizing on XX/XX/XXXX that it said my account was revoked. Called and they stated bc I had logged in areas not normal for me they had revoked my online banking. I had been on vacation XXXX and also had given travel notice. Finally got account reinstated with out having to recreate a new one. Then find out all my bill pay is revoked. Call again they were rude says it will be at least XXXX businesses days which means XX/XX/XXXX until I can use again making bills late. They refuse to transfer or give my info on policy. No contact was made just revoked my account. Very poor business.
Product: Debt collection

I would like to file a complaint against XXXX XXXX XXXX XXXX and Remex , Inc.. I rented a furnished vacation rental from XX/XX/XXXX XX/XX/XXXX from XXXX XXXX XXXX. We paid in full for the two months stay and also paid {$200.00} for move-out cleaning. During our stay, we had 2 mid-stay cleaning services and paid {$150.00} for mid-stay cleaning. After we moved out on XX/XX/XXXX, XXXX XXXX XXXX from XXXX XXXX XXXX alleged that we damaged the house and claimed an additional {$930.00}. The claims were unreasonable and false as normal wear and tear occurred during the 2-month short term stay. We offered to pay {$200.00} to settle the matter on top of already paid cleaning fees. I filed a complaint with Arizona State Attorney Generals office ; however, we could not settle the matter. That complaint was closed in XX/XX/XXXX. 
Thereafter, in XX/XX/XXXX, XXXX XXXX XXXX hired Remex , Inc., a debt collector agency to collect the outstanding amount. I asked Remex, Inc. to send me the documentation in support of the debt claim, however, no documentation was received from their office. I followed up with Remex on XX/XX/XXXX and was informed that XXXX XXXX XXXX has withdrawn the debt claim, and my account ( Account No. XXXX ) has been cancelled and no payment is due. It was confirmed by Remex that my account was closed and no action was required on my end. 
However, in XXXX XXXX, Remex negatively reported to the credit bureau and my credit score decreased by 131 points. I called Remex as to why that action was taken after being told that my account was closed. Remex changed their statement and claimed that they never advised me of account closure on XX/XX/XXXX. I requested them to check their call recordings of XX/XX/XXXX but they did not co-operate and hung up without providing an explanation. Remex, Inc. used false tactics and misinformed me about cancellation of account.
Product: Mortgage

I need to file a claim prior to the end of the HARP program. Please have someone contact me as soon as possible so I can file a claim against HARP as they have double charged me in closing costs. Here is my email address - XXXX. 
My phone number is XXXX. Please let me know how to proceed. This is my fourth request! XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I want the bureau to start the investigation on these accounts that i am never late of but they're reporting me as late.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of fraudulent accounts and unauthorized inquiries from my credit report. As a victim of a data breach, I did not authorize the accounts or inquiries listed below. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these items removed from my credit file promptly. 
XXXX Accounts to Be Blocked and Deleted XXXX. XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$XXXX} XXXX. XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$XXXX} XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX. XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$XXXX} XXXX. XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$XXXX} Unauthorized Inquiries to Be Blocked and Deleted XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$3200.00} ; XXXX XXXX Balance Owed : {$0.00} ; ; XXXX XXXX XXXX Balance Owed : {$1900.00} ; XXXX XXXX Balance Owed : {$4500.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$510.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$690.00} ; XXXX XXXX Balance Owed : {$820.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card or prepaid card

When my credit was pulled on     XXXX   XXXX  2017    to purchase a new home for my family, there were  2  late payment stated on my   XXXX   credit report for  Wells Fargo Financial. T hey showed that the payments were late in both  XXXX  and  XXXX   2017 . The only late payment was in  XXXX   2017 , because I was not able to pay full amount due because I had paid my last fine payment, I can understand that. But it also showed the payment for  XXXX   2017  was also late. In  XXXX   2017 , I made  two payments, 1st one  was  on  XX/XX/XXXX  and 2nd was on  XX/XX/XXXX . the total of the two  were for the amount due of {$410.00}. I also have proof from   XX/XX/XXXX   statement that they received those payments, yet falsely reported late payment for  XX/XX/XXXX .   Being a   XXXX   XXXX   XXXX   XXXX  Veteran that my only income is my   XXXX   XXXX   and  XXXX .   This also effects my military security clearance, which I will have for the rest of my life.
Product: Debt collection

Between XX/XX/XXXX. XXXX and XXXX, XXXX a new account in collections was added to my credit report.15 U.S.C . 6802 states Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third partyany nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.. A financial institution may not disclose my non-public information without disclosing a notice to the consumer in writing or electronically and must give the consumer the opportunity to opt out before the time the information was disclosed, to direct such information may not be disclosed to such third party. 15 U.S Code 1681e states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of the section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Since I never got notice this should be removed off my credit report immediately.
Product: Debt collection

I am discovered 5 debts on my report from portfolio recovery when I was trying yo rent a home for my family. We are currently homeless. I was denied leasing because of collections on my account. I sent a debt verification letter on XX/XX/2023 and received no response. They are continuing to report the 5 collections account to the 3 major credit bureaus without verification of debt, violating federal and state laws. I want the accounts removed from my reports immediately and a letter of its deletion sent to me and anyone who had received my report within the last 60 days. As long as this happens IMMEDIATELY I will not proceed with court action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I bought a car in XXXX XXXX. I got a loan through XXXX and was making payments monthly. I made all my payments on time, however, I got in a crash in XXXX XXXX and my car was totalled. I had insurance and gap insurance which together paid off the car fully. I had no problem for a couple months, but recently ( XXXX or XXXX XXXX ) I checked my credit score and I was flagged as missing a payment. This does n't make sense as the car loan should have been paid of in full by my former insurance company ( they kicked me off afterwards unfortunately ). What can I do to get this reversed, I went from a XXXX to about a XXXX.
Product: Mortgage

We have had nothing but trouble since our original company sold our mortgage. We ha e been late ever since. I dont understand how they get away with this. Right now they have XXXX dollars that we owe them above and beyond our house payment. Who knows how that works.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was not advised nor did I allow the bankruptcy information to be added to my Experian credit report. 
603 Define adverse action Adverse actions '' include all business, credit, and employment actions affecting consumers that can be considered to have a negative impact as defined by Section 603 ( k ) of the FCRA Adding a bankruptcy to a consumers report is and should be considered an adverse action due to its negative impact.

604 ( 1 ) ( C ) ( 1 ) Users Must Notify Consumers when adverse actions are taken.

615 ( a ) requires the user to notify the consumer.

Your bureau has published inaccurate information in my credit report. Stating that US Bankruptcy Court of Nevada  was the furnisher of the information. When in fact a third-party XXXXs ( information reseller ) is the furnisher of the information. The US Bankruptcy Court of  Nevada  does not solicit or give information to third party companies ( Proven by Letter ) Your company has also admitted to the use of a third-party company via correspondence. 
Your companys interaction with an information gathering company has also been proven by XXXX. 
XXXX confirms that they retain information mainly from public record on the XXXX company website page About Us. 
The public record from the US Bankruptcy Court of Nevada is also heavily redacted, thus making identification virtually impossible or extremely difficult. 
Definitions : Furnisher A Person or Entity to provide what is necessary for an activity or purpose. 
Identity Theft The fraudulent acquisition and use of a persons private identifying information, usually for financial gain. 

Your company failed to respond satisfactory within 30 days. 

Your company has repeatedly verified without yielding proof of verification. 

Your company has failed to reply to letter asking for proof of owner verification. 

Your company has failed to sign for the receipt of second letter asking for proof of owner verification. 

Willful noncompliance with FCRA Disputed Accuracy Section 611 Willful noncompliance with FCRA Furnishers Obligations Section 623
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Credit Bureau 's Failure to Conduct Reinvestigation for Account with XXXX XXXX XXXX Dear Sir/Madam , I am writing to file a formal complaint regarding a critical issue with the reinvestigation process on my credit report as mandated by the regulations outlined iXXXX 15 U.S. Code 1666 ( b ) and 15 U.S. Code 1681 ( a ) ( 2 ) ( A ) ( i ). The credit bureau has failed to remove a late payment from my account with XXXX XXXXXXXX XXXX despite the necessary steps being taken on my part to rectify this incorrect information. 
I recently disputed the presence of a late payment on my Account # XXXX, which has been negatively impacting my credit history. According to the Fair Credit Reporting Act, I have the right to an accurate and fair credit report. After my dispute, the credit bureau was obligated to conduct a reinvestigation into the matter and ensure that any inaccuracies are promptly corrected. 
Despite the statutory obligation, the credit bureau has failed to carry out a proper reinvestigation and correct the inaccurate information on my credit report. This negligence has not only affected my credit score but also compromised my financial well-being. 
I request the Consumer Financial Protection Bureau to investigate this matter urgently and ensure that the credit bureau complies with the regulations stipulated under the law. I am seeking prompt action to rectify this error and restore the accuracy of my credit report. 
Attached to this letter are supporting documents relevant to my case, including copies of correspondence with the credit bureau and XXXX XXXX  XXXX. I appreciate your attention to this matter and look forward to a swift resolution. 
Thank you for your prompt assistance in this regard. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a consumer, a natural person, and a protected person under federal law. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX has violated my rights. Regarding alleged account # XXXX 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 an account without my written instructions. 15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 15 U.S.C. 1681 States that consumer reporting agencies are required to ensure that the needs of the consumer are met in a way that is fair and equitable in terms of confidentiality, accuracy, relevancy, and proper utilization of such information 15 U.S.C. 1681c2 : A Block and remove in 4 days
Product: Credit card or prepaid card

TD Bank / XXXX XXXX XXXX store credit account The online account service offered for looking up account information online and making payments does not offer an option for setting up monthly ACH payments that are MORE than just the minimum amount. Many companies appear to leave out this service. 

There website allows for making payments for the 1- minimum monthly payment, 2- payment in full, or 3- " other '' ( amount of your choosing ). However, when you choose the option for an AUTOmatic payment to be deducted, suddenly the option for choosing " other '' or any payment amount of your choosing is not allowed. I feel that that many credit companies do this purposefully so that the borrower can not pay down the debt faster in a convenient way. I have come across many companies doing this and then consumers are forced to make the payments by other means than by using convenient electronic debit services. Since electronic payment services are the norm in these modern times ( and I have been doing electronic banking since 2005 ), it seems inappropriate to lure consumers to the convenience of monthly ACH payments when there is no option for paying your debt faster. 
Why not introduce regulations ( or perhaps you can inform me if regs exist ) such that if an institution makes ACH available, that the option for making more than the minimum payment BY MEANS OF ACH must also be made available. 

I would like to know, do you have a list of which banks currently provide the option for making more than the minimum payment BY MEANS OF ACH automatic debit. I would like to only use these banks, as necessary, for any large credit purchases.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to identity fraud I placed a credit freeze on my account last year with the three credit reporting agencies. Despite having the Feeze in place Experian provided my hard credit report on XX/XX/21 to XXXX  XXXX XXXX in response to a fraudulent credit card application.