23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This letter is being sent to you in response to the above reference account that Wakefield & Associates has reported and listed on all XXXX major credit reporting agencies ( XXXX, XXXX, and XXXX ). Please be advised that this is not a refusal to pay, but written notice sent in pursuant to the Fair Debt Collection Practices Act, 15USC 1692g Sec. 809 ( b ) that your claim is disputed and Validation is requested. 
This is not a request for " Verification '' or proof of my mailing address, but a request for " Validation '' made pursuant to the above named Title and section. I respectfully request that your offices provide me with competent evidence. 
Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any documents that show I agreed to pay what you say I owe ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; Provide me with your license numbers and Registered AgentAt this time I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, and XXXX ) this action might constitute Fraud under both federal and state laws. Due to this fact, if any negative mark is found on any of my credit reports by your company, or companies that you represent. I will not hesitate in bringing legal action against Wakefield & Associates for the following : Violation of the Fair Credit reporting Act Violation of the Fair Debt Collection Practices Act Defamation of characterIf Wakefield & Associates is able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days investigating this information and during such time all collection activity must cease and desist. Also during this validation period, if any action is taken which could be considered detrimental to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is.
Product: Checking or savings account

Bb & t has charged me since XXXX  every XXXX {$14.00} for a service I do not use. 

XXXX XXXX XXXX XXXX managed by Bb & t, tried to contact XXXX XXXX several times, went to their branches personally and no one seems to know how to stop those charges from my business checking account for XXXX XXXX XXXX. 

I do not use or have XXXX, BB & T is short on staff and they either they dont have the time or desire to assist customers.
Product: Credit reporting or other personal consumer reports

I wanted to check rates for a refi on a vehicle. The gravity lending site said for me to enter my info for pre approval. I entered info and at the end they asked for social security number ( optional ) I declined to enter. They called me with estimated rates and the officer asked if I wanted to apply and I said not yet. I needed to speak with my husband. I was puzzled because he knew my exact credit score and info on a few of my accounts. I asked how he knew so much since I hadnt provided my ss number and he said oh its a soft pull we dont need your ssn for that. We wont apply until you agree. XXXX minutes lates I get an alert of a hard pull from XXXX XXXX XXXX  which was the loan that XXXX from gravity loans was offering me. I didnt agree to my credit being pulled. When I called gravity loans I was told thats how it works. They dont need your ssn to run your credit. If you input your name, address, etc they have permission. He advised me to read the fine print. Which tells me theyre purposely trying to trick people. Careful with bank rate and gravity loans.
Product: Debt collection

XXXX from Portfolio Recovery Associates called my employer on XX/XX/2019 at XXXX XXXX about a debt from XXXX XXXX XXXX XXXX from 13 years ago. I just happened to answer the call this time and catch him.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XXXX ), Contents of Complaint : This CFPB complaint has -been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX  on XX/XX/XXXX, a personal credit card account opened at XXXX on XX/XX/XXXX, a personal credit card account opened at XXXX XXXX XXXX XXXX  on XX/XX/XXXX, and a personal credit card at XXXX Card services opened on XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

I am still missing my Direct deposit from XX/XX/XXXX  my paycheck was sent to my bank account, and I have not received my funds which has caused my rent check to bounce. I am single mother of XXXX and now I have late fees due to unpaid rent and someone is holding my paycheck the payroll department says it is ACH and so does the bank I see the deposit was sent to my bank but apparently my bank has no record of this deposit. I really need help everyone is pointing the finger, but NO ONE will help me.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I have been a victim of a data breach and, as a result, my personal and financial information has been compromised. Under the provisions of 15 USC 1681c-2 ( a ) and FCRA XXXX ( b ), I am requesting the immediate blocking and deletion of the following accounts and inquiries from my credit report. 
Accounts to be Blocked and Deleted : XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$4300.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3700.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$7300.00} XXXX. XXXX XXXX  Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$4300.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6300.00} Inquiries to be Blocked and Deleted : XXXX. XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX Inquiry Date : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my deep dissatisfaction and frustration regarding the multiple unsuccessful attempts I have made to correct the issue of a late open account associated with my XXXX XXXX Balance : {$240.00}. 

During each interaction, I have provided all the necessary documentation and information requested, yet the issue remains unresolved. 

The persistent presence of the late open account on my records has had a significant impact on my financial standing and has caused undue stress and inconvenience. I have made consistent efforts to rectify this situation, expecting a timely and accurate resolution, but unfortunately, my attempts have been in vain. 

I am formally requesting the following actions be taken promptly : An immediate correction of the late open account on my records to accurately reflect the correct open date. 
A thorough investigation into the reasons for the repeated failures to correct this issue in previous attempts. 
A written confirmation of the resolution, including the corrected open date. 
An apology for the ongoing inconvenience and frustration caused by the unresolved late open account. 
I understand that administrative errors can occur, but the repeated failure to address this matter is both disheartening and concerning. Timely correction of inaccuracies is essential to maintaining the integrity of financial records and ensuring fair and accurate reporting. 

Failure to address this matter within the exact time frame from the date of this letter may necessitate further action on my part, including seeking assistance from relevant regulatory bodies or consumer protection agencies. 

I trust that your institution recognizes the importance of resolving this issue promptly and accurately. I am asking for your assisstance to correct this account in my credit file : XXXX XXXX Balance : {$240.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed multiple times for inaccurate addresses. These bureaus say that they can not remove addresses from my report and say that they are attached to accounts when one of them is an address that does not exist. They will also not take off multiple names that belong to me. They will not give me information on how they verified these accounts as well.
Product: Payday loan, title loan, personal loan, or advance loan

I had taken a small loan out for a medical trip for my son was paying on it and close to paying off the company would call every outher day different people offeringnto lower the payments and give me pocket money as well..when asked what would the payments be the " teller '' said they would have to process the application then during the process come to find out he was being trained so he did not know what to do..he refused to show me the computer screen so i could see/understand what was being added.. and also was told i had to sign a digital line so there was no proof of what was being signed vs what was being said.. i have tryed to resolve this and i found out the " teller '' added Collateral that i dont and have never owned..that store has a HIGH rollover of employees
Product: Credit reporting or other personal consumer reports

I am disputing the accuracy of the XXXX XXXX account XXXX as reported on my credit file. Upon reviewing this accounts reporting across the three credit bureaus, I found severe compliance violations under Metro 2 standards. Due to these ongoing issues, I am formally requesting the immediate deletion of this account from my credit report. 1.Inconsistent Payment Status : XXXX and XXXX both report this account as Repossession, while Experian states, Merchandise was taken back by credit grantor ; there may be a balance due. Such inconsistent terminology across the bureaus fails to meet Metro 2 standards, which require uniformity in the reporting of account status. This inconsistency warrants deletion if XXXX XXXX XXXX not verify and align the status across all bureaus. 2.Conflicting Worst Delinquency : XXXX lists XXXX as the worst delinquency, XXXX shows no data, and Experian reports Foreclosure. The significant discrepancies between these entries highlight non-compliance with Metro 2 standards, which mandate consistency. This failure compromises the integrity of this accounts reporting, and I demand its deletion if the data can not be rectified. 
3.Discrepancies in Last Updated Dates : The last updated date differs across bureaus : XXXX and XXXX list XX/XX/year>, while Experian lists XX/XX/year>. An inability to provide a consistent last updated date indicates poor data management and further supports my request for deletion due to lack of accuracy.4. Erroneous 2-Year Payment History : The payment history contains erratic reporting, with multiple months marked as Foreclosure ( FC ), 90 days late, and Not Reported ( NR ). Such inconsistencies across bureaus reflect a lack of compliance with Metro 2 standards, which require a standardized reporting of payment history. This unreliability in reporting only underscores my demand for deletion. 5. Inconsistent Reporting of Derogatory Events : The record of derogatory events, such as 30, 60, and 90-day late payments, is conflicting across the bureaus. XXXX lists multiple delinquent events, while XXXX shows minimal information, and Experians data is incomplete. The lack of uniformity directly violates Metro 2 standards, rendering this account inaccurate and unverifiable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sued XXXX XXXX XXXX in XX/XX/2018 under the Lemon law and won my case. Over the course of two and a half years I had to fix or replace several parts on my car totaling {$5000.00} in cost. It caused me to make late payments. XXXX paid off my loan XX/XX/2018 after taking possession of the XXXX XXXX. In the past two years I have not missed a single payment on any of my 7 accounts but this old loan through Chase auto finance damages my credit. I reached out to Chase auto finance today ( XXXX ) and they are investigating in hopes to resolve this issue too since it is a unique situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

We had a XXXX with XXXX XXXX XXXX from XXXX to XXXX, when they charged off the account after only 2 months late. ( we had never been late before ) We closed the account in XXXX and since we were struggling due to the recession, we were unable to make payments. XXXX XXXX filed in court against us. It took until XXXX to get to court and we settled on an amount with no fault on either side. ( we did not agree with the amount they were reporting ). We paid XXXX XXXX XXXX the agreed amount. They have been recording on our Credit Report, inconstant and incorrect information for many years. Although the reporting seems to be gone on XXXX and XXXX, it has now reappeared on Experian and it is showing as a charge off in XX/XX/XXXX! We are unable to dispute with Experian, because we have disputed this account in the past. We called and spoke with the collections dept at XXXX XXXX XXXX and they claim it is being reported CORRECTLY! It has been almost 9 years since the charge off in XX/XX/XXXX, and almost 10 years since the first late payment. All our other creditors worked with us through the recession and we did not fail to pay any of them. XXXX would not work with us. They rushed to Charge Off a 20+ year old account that had never been late and now almost 10 years later they are still hurting our credit and they are not willing to help get this resolved. This account should have been removed after 7 years from the first late payment, yet we are still having to deal with this.Please help.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint against the XXXX XXXX XXXXXXXX regarding a violation of the fair debt collection practice Act ( FDCPA ), 15 U.S.C 1692g. I recently noticed that the XXXX XXXX XXXXXXXX placed an account for collection on my credit report. however, I did not receive any written notice from them regarding the alleged debt as required by law. Under the FDCPA specifically 15 U.S.C 1692g ( a ), a debt collector is required to send the consumer a written notice within five days of the initial communication regarding the debt. This notice must include : The amount of the debt. The name of the creditor to whom the debt is owed. A statement informing the consumer of their right to dispute the debt within a 30-day period, the debt collector will provide verification of the debt or a copy of a judgment. To date, I have not received any such written communication from XXXXXXXX XXXX XXXXXXXX, despite the account appearing on my credit report. This omission is not only a potential violation of the FDCPA but also detrimental to my credit standing and overall financial well -being. I am providing a copy of my credit report showing the entry by the
Product: Credit reporting

Experian is not reachable via the phone as I have been trying to reach them now for 2 months. Experian is reporting a collection on my account that has previously been deleted. This is a very old debt from   XXXX   XXXX  . When I contacted   XXXX    over 6 months ago, they advised they were no longer collecting on debt and to disregard as they will no longer be collecting on this debt. I then contacted  XXXX  several times to see where balance and numerous fees came from but each time I was told will research and call me back, but did not.   XXXX   consequently was deleted from my file and appeared again to my surprise  XXXX  on Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 


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

XXXX  XXXX Bankruptcy Case Number : XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX, 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 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 card

I have asked capital one to please not help me after I settle with the payment due to hardship during Covid and I wasnt snow to pay. Theyre not willing to help me
Product: Checking or savings account

I have been banking with Wells Fargo for XXXX  years with in my XXXX  years I have had problems with my checking account XXXX minute all my money is in my account then another I can go buy things and look back on it and its telling me I owe all that money back when I kno how much I have spent the other problem is I call up there in told them to take that overdraft fee off if its not there let it not go thru they still have it on my account XXXX if I dont have the money there now they charge me XXXX dollars every time a lil payment come out from anyone thats trying to charge my card and I have to pay back XXXX more out my pocket I am tired of it I call up there to tell them the problem they couldnt have me with anything XXXX what I do now from this time on I have stop putting money in that account in it in if anything being tooking off it I put money in that account but they still charging me the extra money also
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, XXXX, and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, XXXX, and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 my file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2300.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$890.00}, and XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.