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

I am filing a formal dispute regarding multiple violations of my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I demand immediate correction and removal of the following inaccurate and unverified information from my credit report : 1. Invalid and Unverified Debt ( FDCPA Violations ) Under 15 U.S. Code 1692g, I am disputing the listed accounts as they have not been properly validated under the FDCPA. Your failure to provide legal validation means you can not report or collect on these accounts, and they must be removed immediately. 

2. Incorrect Late Payment Remarks ( FCRA Violations ) Under 15 U.S. Code 1681s-2 ( a ) ( 1 ) and 15 U.S. Code 1666b, I am disputing inaccurate late payment remarks on the following accounts. These accounts were paid on time, and the false reporting of late payments is a violation of FCRA and TILA. I demand that these remarks be removed immediately to ensure the accuracy of my credit file. 

3. Unauthorized Hard Inquiries ( FCRA Violations ) I have reviewed my credit report and found multiple hard inquiries that I did not authorize. According to FCRA regulations, if an inquiry was not explicitly authorized by me, it must be removed immediately. 

Additionally, I have already filed a formal complaint with the Federal Trade Commission ( FTC ) under Reference Number : XXXX regarding these violations. If this matter is not resolved promptly, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action to protect my rights. 

I expect a written response and correction within the legally required timeframe. Failure to comply may result in additional legal consequences.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account # 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 a account without my written instructions. 

15 USC 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX 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 XXXXXXXX, NC XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$6300.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$200.00} XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXXXXXX Balance : {$6300.00}
Product: Credit reporting or other personal consumer reports

I am deeply frustrated to find unauthorized inquiries on my credit report today, and I have no idea why they are there. I demand immediate action to resolve this issue.
Product: Mortgage

I was looking to purchase a new home and needed a pre-approval from Wells Fargo- the preferred lender of the builder. I applied with the builder 's contact at Wells Fargo and I was not pre-approved through Wells Fargo. I applied with Wells Fargo on XX/XX/2021 I later found out that the loan officer I worked with shared my personal financial information with multiple people and talked negatively about my financial situation. He shared a list of my debts and financial information with the builder 's realtor, who then shared it with my realtor and my future mortgage broker. I have no doubt that it was also shared with others that I am unaware of. 

I do not how much information was shared but I was told by my realtor and mortgage broker that they both were uncomfortable with the amount of information shared with them. 

I did not submit this complaint sooner because I do believe that the Wells Fargo representative and the builder 's realtor have some sort of quid pro quo deal and I did not want to jeopardize the real estate deal - I later found financing outside of Wells Fargo.
Product: Credit reporting

Even though XXXX* told me, both in writing and over the phone, that they have retracted the negative information that was falsely reported as " late '' for XX/XX/XXXX and XX/XX/XXXX payments, as of XX/XX/XXXX ( that is 6 weeks later ), the negative information is still sitting on my TransUnion credit report. 

*The person that I spoke with at XXXX is XXXX ( extension # XXXX ) at XXXX.
Product: Credit reporting or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # XXXX Account name is XXXX XXXX XXXX XXXX, has violated my rights. 
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
Product: Vehicle loan or lease

XXXX XXXX, I called Wells Fargo Auto to find out why they have added late fees for the past three months even though they and my bank show my payments were made a week before the due date. She kept calling out months saying my payment was late and I'd give here the date it was processed through my back. Each payment was processed by my bank before the due date. When she couldn't justify the late fees, she said my concerns would have to be sent to another department. 
I requested the late fees be taken off again and was told they needed to send my account and concern to another department. When I said I was going to move my load to my bank and need a 30 day pay off. She would only give me a one-day payoff amount until I kept asking several times and finally got it. The person I was speaking with would not listen to anything I was telling her, refused to give information, argued with me until I proved her wrong repeatedly, was very unpleasant but I still wished her a nice day and a happy XXXX XXXX. 
Wells Fargo did this same type of illegal activity to me many years ago. When they bought my auto loan, I hoped over the decade they had cleaned up their banking schemes. Obviously, they haven't. Their practice of arbitrarily assigning fees is making them a lot of money they haven't earned and costing their customers their hard earned income. 
Please let me know what can be done to stop Wells Fargo and other banking institutions from continuing this practice. 

Thank you for reading my complaint and I hope to hear what I do as next steps. 

XXXX XXXX
Product: Credit card

Synchrony Bank closed XXXX of my accounts on XX/XX/year>. The following accounts were closed : XXXX XXXX, PayPal Credit XXXX Rooms to Go, Mattress Firm, and XXXXXXXX XXXX XXXX  XXXX I spoke to a customer service manager and said that I was fine with closing Mattress Firm and XXXX XXXX XXXX  cards, but I asked him to appeal the decision for closing XXXX XXXX, PayPal Credit and Rooms to Go since those were revolving credit accounts that I currently use. I requested that instead of closing the accounts, that Synchrony Bank instead decrease the credit limit to allow me to keep the accounts open and in good standing. To date, I have never missed a payment and I have always paid the minimum payment on all XXXX accounts. The oldest account is 3 years and 11 months old ( XXXX XXXX ) and the newest account is 5 months old ( Rooms to Go ). The customer service manager informed me that the decision to close all 5 accounts at one time was based on my credit score and as part of the account review process to extend credit, decrease credit and/or close accounts and that the decision was not reversible.
Product: Debt collection

I am a single mother of XXXX children under the age of XXXX. 

I had signed a new contract with XXXX XXXX XXXX XXXX on XX/XX/2020, due to a separation divorce on my end. 

On XX/XX/XXXX, two weeks after signing the contract, I reached the office in person, spoke with their assistant manager, surrounded the apartment, gave them back the apartment keys. Also, I explained that my current self-employee job and workplace were being shut down and closed due to COVID-19 until further notice ( letter received from my workplace/ the landlord was on XX/XX/XXXX ). 

I informed them that due to the uncertainty of the current global situation, I would surrender the apartment because of job loss and hardship. On XX/XX/XXXX, I received their final " Move-out '' statement dating the " cancellation charge date as of XX/XX/2020 '' and the move-out date " XX/XX/2020, '' with an outrageous final charge of {$6900.00}. 

I had called them several times to speak to the manager in charge, not the assistant manager ; it was denied, according to them, because the case was closed and on the way to collections. 

On XX/XX/XXXX, XXXX, I sent an email to their local and corporate office asking them to have these charges removed in good faith and stop the collection process because of the COVID-19 PANDEMIC situation, me not being in the apartment, not even a month under the contract.

Also, I informed them that the contract stated that violates the spirit of the force majeure clause of the agreement ( Due to an unforeseen- CORONA-19 virus ). And, it also is unconscionable during this unprecedented pandemic. 

No responce from them, or corporate. Now my credit is ruined. I am unable to rent anywhere else because of the collection debt on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA Violation personal information not mine XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX 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 XXXX XXXX XXXX  FCRA Violation other loans not mine XXXX XXXX XXXX  FCRA Violation other loans payments never late XXXX XXXX XXXX  FCRA Violation auto loan not mine XXXX XXXX XXXX FCRA Violation inquiries not mine 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 XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account number XXXX Account number XXXX Account number XXXX Account number XXXX account number - XXXX Has violated my rights 15 usc 1681 section 602 8 states I have the right to privacy 15 usc 1681 section 604 a section 2, also states a consumer Reporting agency Can not Furnish your account without my written instructions, So the credit bureau stated that my accounts was properly investigated but how is that possible when open dates are inaccurate, the last dates is inaccurate, the date report is inaccurate, payment history of account info is inaccurate, current year dates are listed on closed accounts recurring debt thats inaccurate, paid and settled accounts are still reporting as current thats inaccurate has not shown verification of debt, public records nor written agreement of any debt as requested in the past or current has not been sent to me as requested by the bureau these are grounds for removal - I send letters and submitted proof by certified mail, and hold copies on what has been send to them to the credit bureau on creditors disclosing & not addressing creditors that has been paid through thirds parties that continue to report accounts inaccurate public records verification has never been verified upon request and inaccurate reporting from all bureau, transunion, XXXX, & XXXX wasnt properly investigated on there behalf XXXX XXXX reporting through XXXX XXXX  which I have submitted paper work by XXXXXXXX XXXX stating they have no information in they database of me, so how is XXXX reporting inaccurate or accounts saying its Verify by XXXX XXXX XXXX which the bureau According to 15 usc 1681 I have showed you actual damage Sustained by the consumer as a result of the failure advantage is not less than XXXX dollars and not more than XXXX dollars per violation
Product: Credit reporting or other personal consumer reports

There is information thats on my consumer report that appears on my EXPERIAN consumer reports that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be on my consumer report. I am requesting that the reporting of this information to be blocked and deleted. My request to block is not being made in error nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block identified transactions. The identified transactions are not information related to any transaction made by me as the consumer. PLEASE REMOVE AND DELETE THE FOLLOWING INFORMATION BELOW FROM MY CONUSUMER REPORTS XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX-Date opened- XX/XX/year>. I Demand for this account to be REMOVED/ DELETED from my credit reports. I have also filed a FTC REPORT. See ATTACHMENT
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XX/XX/2021 I sent letters to the credit bureaus about some bankruptcies that where listed on the reports that wasn't mine. The time those bankruptcies were filed I was incarcerated and I sent documents to the bureaus showing that I was truly incarcerated and they told me that the bankruptcies were being verified by the Bankruptcy courts as verified. So I contacted the bankruptcy court and spoke with a XXXX XXXX she said they don't verify anything with the Credit Reporting agencies they are getting information from a company called XXXX she also said whoever filed the bankruptcies did it themselves no attorney was involved. I also contacted XXXX XXXX regarding acct # XXXX and they didn't respond at all. I disputed it with the Credit bureaus and they said it came back verified which couldn't be true.
Product: Debt collection

Account Name : Hunter Warfiled Original creditor : XXXX XXXX XXXX. 
Account # : XXXX Responsibility : Join With XXXX XXXX Date XXXX Original : {$510.00} This is nothing to do with me. I don't know who XXXX XXXX is. 
It must be a scam or Identity theft. This caused negatively on my credit score.

Please help me to fix my credit score and any issues with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Still Have Old Credit When I Haven't Even Been Til A XXXX XXXX XXXX Before
Product: Credit reporting, credit repair services, or other personal consumer reports

When I applied for XXXX XXXX XXXX XXXX and got approved, my credit score was XXXX. Six days prior I had looked into my credit report and found my credit score at XXXX. So, I had applied for a credit card with Citizens Bank which was denied, because of the two different conflicts of credit scores with XXXX.
Product: Credit reporting or other personal consumer reports

They reported in my credit file this account they are not mine : name, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I dispute this and have no answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX 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 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 a loan with XXXX XXXX, BRNDSRC/CBNA and XXXX ( Original Creditor : XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX XXXX XXXX, XXXX XXXX, BRNDSRC/CBNA and XXXX ( Original Creditor : XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
Product: Debt collection

The Department of Treasury garnished my wages and seized my state tax return to pay health insurance premiums for the XXXX XXXX MN when I was in an off duty status from my job as a rural mail XXXX due to an occupational injury that occurred late XXXX through my extensive shoulder XXXX in XXXX of XXXX ( through XXXX ). All of the debt ( from XXXX ) was paid through the garnishment and seizing my XXXX state tax return. I actually believe they took more than the debt. Now they have reported the same debt to the credit bureaus as well as sent me a letter stating I owe another {$1500.00} plus dollars via XXXX XXXX MN. I contacted the Department of Treasury and explained that all of the insurance premium debt had been paid and I do not understand what this letter for collection means. I requested a detailed statement to be mailed to me, I have not received this. I am at a loss as to what this is for. Even when I was finally able to receive XXXX Workmans Compensation for lost wages, which does quality control checks for any insurance payments that are to be deducted from the compensation, the checks came back that I do not owe insurance premium payments. I know this is a federal agency and I am sticking my neck out to report this but this is affecting my XXXX XXXX, my ability to purchase a home and everything is incorrect regarding the debt as well as again posting this to the credit bureaus. In fact, when my mortgage company checked my credit in XXXX, XXXX nothing from the Department of Treasury was on my report and to re-qualify for a mortgage and receive a pre-approval letter my mortgage company checked my credit this month ( XX/XX/XXXX ) and all of this is reported again. This is unbelievably stressful and has substantially increased my already high anxiety. I don't owe anything to them. Why are they doing this to me?
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX, I am a victim of identity theft I've tried to resolve a debt with XXXX XXXX company about a debt is not owe to me and which turned into a collection with NCB Management, I've submitted all of the documents that was asked for ( ex ). ID, ssn, police report, and affidavit, but in return the items came back verified but how is that when I never sign any documents or gave verbal permission to use my identity, I've asked XXXX and NCB Management for a reinvestigation on my behalf, but they refused my request. this is the letter I've sent to XXXX and NCB Management. 

XX/XX/ To : NCB Management Services Contract Number XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX Dear NCB Management Service XXXX XXXX XXXXXXXX XXXX  XXXX 

Pursuant to the FCRA & the FDCPA, I now exercise my lawful right to question the validity of this debt your agency claims has come due. 

Fair credit reporting act 609 disclosures to consumers : ( c ) ( 2 ) ( E ) : A consumer reporting agency is not required to remove accurate derogatory information from a consumers file, unless the information is outdated under section 605 or can not be verified.

Fair Credit Reporting Act 611 ( a ) 1 ( A ) Procedures in case of disputed accuracy : ( a ) Re-investigation of Disputed information ( 1 ) Re-investigation required ( A ) in general. Subject to section ( f ), if the completeness of 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 in directly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable re-investigation to determine whether 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.

Therefore, I demand to see a copy of the Verifiable, Validated so called proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by law are not considered proof, that you have on file for the account listed above Under the FCRA, unverified, invalid account must be removed. 

If you are unable to provide me with the original copy of the verifiable/validated proof that you have on file within 30 days from the receipt of this notice, for the account listed above then you at once remove the account from XXXX XXXX credit Report. I demand the account be verified or removed immediately! 

The law is very clear as to the Civil liability and the remedy available to me for the negligent noncompliance ( section 617 ) if you fail to comply with this Federal Law. 

Sincerely XXXX XXXX
Product: Credit reporting or other personal consumer reports

I requested a 1099C form and never received any information.
Product: Credit card

Most recently XX/XX/2024 ( although this has happened literally dozens of times over the last few years ) two Bank of America credit cards where charged by an entity calling itself XXXX XXXX. ( in fact no such business exists ). 

On XX/XX/2024 two separate charges in the amount of {$100.00} and {$50.00} were made to one account ending in XXXX from XXXX XXXX. This is a new replacement card which has recently been received by me. This same process has been repeated several times on different B of A credit cards. 

I call and file reports evert time and Bank of America says they are investigating but they keep letting the Person or business do this over and over again. My identity has been stolen and that is registered with all three credit reporting companies. Please make Bank of America do something about this! 

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 XXXX Account # 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 a account without my written instructions. 

15 USC 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.
Product: Checking or savings account

I would like to link my bank account to add money for savings
Product: Debt collection

This company ( Direct Capital ) has taken to calling frequently on my work and home cell, each time reflecting a local number that is misleading. They are threatening and harassing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a credit card with XXXX XXXX on XXXX XXXX and was denied because Trans Union reported that I was a delinquent consumer from XXXX credit card. I was in dispute of {$320.00} with XXXX and it was paid off by XXXX XXXX XXXX sending me a check. XXXX reported to trans Union I was in arrears for several months, When in fact I was is dispute with XXXX. 

Now my credit rating has dropped to XXXX and I can't get credit because XXXX reported my disputed incorrectly to Trans Union. Matter of fact it was reported as non payment not even a dispute. 

I called XXXX and was refused help on XX/XX/2022. I was hung up on 3 times. 

So now I am filing this complaint.
Product: Checking or savings account

On XXXX I communicated a concern to wells fargo regarding new account bonus offer. 
On XXXX i recieved a communication from a XXXX XXXX w/ ID : XXXX saying that a response would follow XXXX. 
I have records of my attempt to this executive Person for 8xtimes since that communication and to date feel that i was lied to willfully.