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

XXXX  XXXX : I am writing to formally dispute inaccurate information reported on my credit report by XXXX XXXX. According to the Fair Credit Reporting Act ( FCRA ) Section 611, I am requesting an immediate investigation and correction of this collections account. If the information can not be verified, it must be deleted promptly. I am disputing the validity of this debt in its entirety. The collections account in question is reported by XXXX XXXX and appears on my credit report with the following details : reported on XX/XX/XXXX, with a balance of {$6100.00}. The account is listed as " Closed '' with a status of " In Collections/Charge-off. '' The account was opened on XX/XX/XXXX, and closed on XX/XX/XXXX. The remarks include " Charged off as bad debt '' and " Canceled by credit grantor. '' I believe this information is inaccurate for several reasons. First, I have not received any documentation or validation of this debt from XXXX  XXXX, as required by FCRA Section 809 ( b ) ( Validation of Debts ). According to the FCRA, all items on my credit report must be accurate and verifiable. Second, there is a discrepancy in the reported balance and credit limit. The balance of {$6100.00} is shown as 124 % of my accounts limit, which is not accurate or reasonable. Additionally, the account shows a past due amount of {$6100.00}, which does not align with my records. The presence of this incorrect collections account and charge-off status is negatively impacting my creditworthiness. Under FCRA Section 623 ( a ) ( 1 ) ( A ), furnishers of information are required to report accurate information. Therefore, I am requesting that you review all recent statements and payment records associated with this collections account, including the most recent credit report. The balance, account status, and remarks appear to be incorrect. If the information can not be substantiated, it must be removed from my credit report immediately. Please send me the results of your investigation at your earliest convenience. Additionally, if the investigation shows that the account is incorrect, please provide me with a revised copy of my credit report reflecting the corrected information. Thank you for your prompt attention to this matter.
Product: Money transfer, virtual currency, or money service

I sent {$850.00} to XXXX XXXX via XXXX on XX/XX/2021. I XXXX money for a section at the XXXX XXXX for my birthday XX/XX/2021. The night of my birthday XXXX contacted me the club had been shut down and a refund would be issued shortly. I waited 2 months for a refund. Every-time I contacted him about the status of my refund he would give me reasons/excuses that didnt add up. When I told him I would be pursuing legal action he responded be saying there was nothing he could do regarding my refund as the club had a no refund policy. Its ironic that he told me that when he originally said I would receive a refund a week.
Product: Checking or savings account

My XXXX account was debited by phony credit card charges and XXXX phony bank debits. I notified the fraud squad ay PNC HQs and my account was frozen. Now, I need my money to be released and put into another XXXX  account with a new number so I can order blank checks and resume bill paying out of this new account. Yhe branch manager required me to get her a third copy of my XXXX  documents to be looked at by PNC 's legal dept located in several states, I was told. So I had my XXXX company email her the whole XXXX XXXX on XX/XX/XXXX, which was done. I have telephoned her to see if the " legal departments '' have perused the XXXX  documents and I can now have a new XXXX account or move my money to another bank. I have had no call back and today is XX/XX/XXXX. 
I need access to my funds. There is a large amount in that account, so please help me. I have called customer service at the XXXX number several times. Why can't I have my money to pay my bills?
Product: Mortgage

On XX/XX/XXXX my Florida home at XXXX XXXX XXXX XXXX XXXX XXXX sustained substantial damage from hurricane Ian. On XX/XX/XXXX, I was issued a first check from my homeowners insurance company for {$56000.00}, XXXX XXXX XXXX Co. The check was made out to myself, my wife and my mortgage company, Citizens Bank. I was told by Citizens bank to have me and my wife endorse the check and send it to them at Citizens XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Citizens gave me a claim number # XXXX. Their phone number is XXXX. I also sent them the loss report that was sent to me with the check. Citizens Bank has refused to give me back any of the money ( {$56000.00} ) because they say that there are missing pages from the loss report. I am enclosing a letter from the Claims XXXX at XXXX XXXX XXXX company where he explains that XXXX XXXX XXXX is not permitted to send the entire report because most of it contains personal information from the insurance company. I sent this letter and email to Citizens Bank. I talked to Citizens Bank today ( XX/XX/XXXX ) and they still refuse to send me any of my money back until they see the entire insurance company report. I can not start repairs to my home until I get this money. My home needs a new roof and the XXXX will not start until he receives the amount of money that was given to me by the insurance company for the new roof. I am still paying my mortgage payments to Citizens bank although my home has sustained much damage. Can you please help me with this situation. Thank you very much!
Product: Credit reporting or other personal consumer reports

In pursuant to 15 USC 1681 a2 The credit reporting agencies have not been fair to me in their duties and have violated my consumer rights. I am stating I did not give any written consent/permission to have any information furnished on my consumer report 15 USC 1681b .

They have assumed this vital role and have infringed upon my right to privacy, In Pursuant to 15 USC 1681 ( 4 ). This has been a total invasion of privacy and damages have been done, resulting in severe harm and discrimination.
Product: Student loan

I have been on auto pay for over a year. They have reported to the credit bureaus XXXX late. I she Contacted my school. They told XXXX they would fix it. It has yet to be fixed they said I was not late I have the email to prove it.
Product: Mortgage

On XX/XX/2022, the XXXX XXXX  XXXX XXXX XXXX ( DEO ) Homeowner Assistance Fund ( HAF ) sent the previous servicer Caliber Home Loans a check in the amount of {$28000.00}. These funds were granted by HAF on my behalf and to be applied towards my mortgage account. According to Caliber I was asked to wait for few months to ensure the check cleared, but later on I was informed they were not able to locate the funds to be applied to my account. 

HAF also provide six monthly checks in the amount of {$3000.00} each. These were applied, but not properly. Interest were even charged twice in the same month. 

I tried for months to obtain a results to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account : XXXX XXXX XXXX, account # XXXX have 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 states : A consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse items of information other, than records of conviction of crimes which antedates the report by more than seven years.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Reported : XXXX XXXX, XXXXXXXX XXXX XXXX  Reported : XXXX XXXX, 2023, XXXXXXXX XXXX XXXXXXXX Reported : XXXX XXXX, 2023, 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 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.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from Experian and XXXX. 

Please delete the following accounts : XXXX  XXXX Account Number : 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

XXXX XXXX has been pulling my credit report, XXXX fraudulent pulls, the bank says it want remove them even though it has wrong info, TransUnion has refused to remove them after several disputes,
Product: Debt collection

I was contacted at work by someone at XXXX XXXX XXXX about a credit card debt XX/XX/. They also did not send a letter of verification to verify the debt before filing a lawsuit when I asked for it. The charges state in the suit that the card was charged off and no debt owed yet they are trying to garnish my wages anyway.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since becoming the victim of identity theft, I recently checked my credit report with transuion and XXXX and notice that I have 2 accounts from ( XXXX ) and another from a company called ( XXXX XXXX ) that are fraudulent accounts that's showing on my credit report that does not belong to me. Farther more, I discovered from reviewing my credit report from transuion that I have 11 negative inquiries thats reporting on my credit reports that does not belong to me. The 11 negative inquiries are the following XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX 's XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX 's XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX These accounts are fraudulent and does not belong to me.
Product: Debt collection

This company I C System Inc keeps trying to collect an alleged debt XXXX XXXX XXXX XXXX that is not mine. I have multiple times reached out to them and XXXX and they continue to report on my credit an item that is not mine.
Product: Bank account or service

My complaint is against Wells Fargo Bank. I am the beneficiary of an IRA owned by my deceased uncle, XXXX XXXX XXXX. I began the process of closing out the IRA and collecting my proceeds in XXXX 2017. To date it has not been received. I have been told the distribution check was issued from Wells Fargo on XXXX XXXX, 2017. The check has yet been sent to me. I have had the local Post Office involved and most specifically my mail carrier checking on its receipt. Consequently, I signed non-receipt and stop payment affidavits and faxed to Wells Fargo on XXXX XXXX, 2017. I have been advised that the check will not be reissued for 90 days and if I chose, I can purchase a Surety Bond to get the check earlier than 90 days. I have also been told that there is no appeal process to this management decision. I would like this investigated. I have all of my documentation if required. I started the process to cash in this account in XXXX 2017 and was misled by Wells Fargo employees several times, providing me with incorrect forms resulting in back and forth communications delaying this process. I have received confusing and contradictory requests from Wells Fargo preventing me from accessing my funds. I have never had as much problem with a bank as I have had with Wells Fargo. I urge anyone reading this to refrain from doing any business with Wells Fargo. Their rules and regulations are NOT consumer friendly, their response to problems is lengthy and difficult.
Product: Mortgage

On Monday, XX/XX/XXXX I contacted the Wells Fargo rewards department regarding a flight credit that I have due to a covid-19 trip cancellation. During this call, I was told that Wells Fargo did not have my correct birthdate on file and the rewards department would not speak to me or correct the issue. The manager XXXX I spoke with was incredibly rude, argumentative and kept speaking over me and then hung up on me. I then called back that same evening and spoke with the bankers escalation line who confirmed this was a bank error and dated back to XXXX. My complaint was forwarded to the executive office but they never contacted me, despite being told I would receive a call within two business days. I received a canned email stating the rewards department would not speak to me without an accurate birthday. 

Now here is my problem with that : 1. This company has had an incorrect birth date on my profile for almost a decade. According to your agent, the birth date was incorrectly added to my profile when I opened a team member checking and savings account while XXXX by Wells Fargo in XXXX 2. This company XXXX me with an incorrect birthday on my profile 3. This company gave me a checking and savings account without verifying my identity and my birth day 4. This company gave me a mortgage, and then later closed my mortgage, without verifying my identity and birth date. 
5. This company changed my profile from my maiden name to my married name without confirming my birthdate 6. This company opened a high limit credit card that is in regular use without confirming my birthdate. 
7. This company cashed in thousands of rewards points for a {$700.00} flight without confirming my identity via birthdate. 
8. This company opened and closed a second checking account without verifying my birth date. 

Ive spent 11 years as a customer with this company and for 11 years they have failed to identify their error. They have failed to confirm my identity for almost a decade while opening accounts and a mortgage. Then, when I identified their error for them, they failed to take ownership and address the issue. Their executive office responded with a canned answer of the rewards department requires you to confirm your birthday instead of addressing the true issue of years and years of Wells Fargo failing to adequately know your customer.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA subsection 605b ( 15 U.S.C 1681 c-2 ) that you, all credit reporting agencies, block information appearing on my consumer credit report that is result of identity theft an fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, an false information consists all are listed XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  .These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report I attached a list of the aforementioned accounts, collection accounts, I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me.All of the aforementioned accounts, collections accounts are the result of identity theft and fraud.I have attached a copy of FTC identity Theft Criminal Complaint # ( XXXX ) as proof from US FEDERAL TRADE COMMISSION that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud. 

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 has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Fraudulent charges appearing on my XXXX credit report. 18 total charges from Affirm Inc. 11 of 18 are in delinquent status negatively impacting my XXXX. 

{$390.00} XX/XX/XXXX {$190.00} XX/XX/XXXX {$510.00} XX/XX/XXXX {$190.00} XX/XX/XXXX {$79.00} XX/XX/XXXX {$300.00} XX/XX/XXXX {$1100.00} XX/XX/XXXX {$280.00} XX/XX/XXXX {$420.00} XX/XX/XXXX {$190.00} XX/XX/XXXX {$170.00} XX/XX/XXXX I have filed a complaint with Affirm Inc, Case # XXXX. 
I have filed a report with local police department, Case # XXXX
Product: Credit reporting or other personal consumer reports

on XX/XX/year> i notified the legal department of XXXX XXXX XXXX opting out of any and all authorization related to the sharing, reporting, or disclosure of my personal or financial information to any and all credit reporting agencies and/or third parties.as a federally protected consume i exercise my right to privacy under applicable federal statues.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
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

I am writing to dispute the following information on my credit profile and have the following account numbers here to be removed from my credit profile immediately. I am a victim of identity theft and did not open any of these accounts. I also haven't made any of these inquries below and would like all information below deleted 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 Fraudulent 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 XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) Account # : XXXX, on my credit report has been paid in full & I've requested for a deletion.
Product: Credit reporting or other personal consumer reports

I am writing to you for the third time. I have tried to contact the creditors and the credit bureaus and I have not gotten a response from you. I need you to please help me eliminate the following late payment XXXXXXXX XXXX account number XXXX date : XX/XX/2024, XX/XX/2024. What the bureaus are doing is a total mistake. I really need your help. It is affecting me in obtaining a house for my children
Product: Debt collection

I received a letter from a debt collector XX/XX/XXXX stating I owed {$3000.00} for charge with Synchrony Bank for a purchase from XXXX XXXX XXXX. I never heard of this prior and did not see anything alarming on my credit information by my three credit accounts through XXXX XXXX, XXXX XXXX and XXXX. I sent a return certified letter requesting more insight for this alleged charge. XXXX XXXX XXXX returned a few statement copies reflecting my name with the address of a XXXX XXXX XXXX  about thirty miles away from my current residence. I did own a home nine miles from that area until XXXX, but it seemed coincidence. 
Today, XX/XX/XXXX, I looked deeper into the XXXX XXXX credit information with TransUnion that indicated there was a credit inquiry by Synchrony Bank on XX/XX/XXXX. It was about the time I made a purchase from CARID for tires and wheels for $ XXXX I actually took a three payment offer through Affirm that was paid off early. Originally I thought the whole ordeal was taken off my name only, but now that I see the bank made a connection on my SSN, this is deeper fraud including identity theft.
Product: Debt collection

The first call from a company by the name of GLA Collection Agency ( XXXX ) was at XXXX on XX/XX/XXXX. There have been XXXX calls thereafter. The most recent being today ( XX/XX/XXXX ) at XXXX. They claim that I owe a debt ( which I believe was roughly {$600.00} ) to XXXX XXXX, to whom I did owe a small debt to but was paid several months prior to the calls. Based on the fact that they used a legitimate medical facility in reference to this alleged debt that I owe, it leads me to believe that they are hackers.

They never disclose who they are in the calls and it is always an automated system. I only know the business name that they go by because of a phone number search on XXXX. I have never answered in person because I do not want them to think that they have me hooked. The calls are a major nuisance and cause unnecessary worry that personal information has been illegally retrieved. I've seen on the website https : XXXX that they have been attempting to scam individuals since XXXX. Nothing has been done to shut them down though. I sincerely hope that this complaint will prompt an investigation. Perhaps they are legitimate, but if they are, they are not following legal protocol. Several people have asked them to stop calling them and have asked for paper evidence, which they are never supplied. They continue calling despite a request to stop even after proof that they do not owe any debts.

Please investigate this agency. I strongly believe them to be predators claiming to represent a collection agency that is fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute XX/XX/2020 with Equifax and XXXX  about incorrect data being reported. I also mailed the Collection Agency ( XXXX ) a request for validation of this account XXXX  promptly and correctly investigated and deleted the incorrect account. ( XXXX had a different address on my XXXX  report ) Equifax " updated '' the incorrect data but did not properly investigate or delete. I sent a letter to the reporting Collection Agency ( XXXX ) at the address shown on my Equifax report of XX/XX/2020 and the letter was returned undeliverable.The notice from Equifax that my dispute was denied included a DIFFERENT address for XXXX. How could they properly investigate an account when their own reports prevented me from submitting my dispute to XXXX?? I have available copies of the letter I tried to send to XXXX and a copy of the returned undeliverable envelope.