23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Experian about the following negative accounts ; XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$210000.00} ), XXXX XXXX & XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$140000.00} ), XXXX  ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$970.00} )XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, XXXX XXXX  : {$880.00} ), XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$350.00} ), XXXX ( Account # : XXXX, Date XXXX : XX/XX/XXXX, Balance : {$1100.00} ), XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, XXXX XXXX XXXX {$20000.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit card or prepaid card

I received a statement today ( XX/XX/2022 ) for an annual fee of {$39.00} for a credit card that I did NOT apply for and never had. The company name is AVANT. The transaction date on the statement is XX/XX/2022. The " account '' number- XXXX XXXX XXXX XXXXXXXX. 

I called the company ( XX/XX/2022 ) and was told they had no record of an account in my name and could no really look up the information in their database. They asked for the last 4 digits of my social security number and I refused to give it. I asked to speak to supervisor and was told there was no-one available. 

I was told to email XXXX XXXX XXXX XXXXXXXX, which I did. I told them via email, to remove my name from their database and refrain from ALL further communication.
Product: Checking or savings account

Over the last few months XXXX XXXX  has been taking {$29.00} of over draft fees each time out of my account. Which is illegal and over the amount they should charge! There was even times when they still charged me for a overdraft return check fee when I still had money in my account but in my savings instead
Product: Debt collection

Received a call from Pro collect Inc saying it was an attempt to collect a debt. I called back and just gave my first name and they said they were collecting a debt from XX/XX/XXXX-XX/XX/XXXX that was for {$210.00} from a company Id never heard of. Sounds like a utility distributor. I never have received any letters of this debt they said theyve been contacting me about since XX/XX/XXXX. They had an address on file for me Ive never lived at. I asked for proof theyve tried to call my phone number at they just called, that Ive had for 5 years, and they said theyre calling now. When I asked for proof from Their agency they said XXXX it. When I asked for proof of the place Im in debt to they said XXXX it. The person said theyll mail out proof to the address they now requested from and said I have to pay the debt in full by Monday. Its tuesday and Thursday is a holiday and then a weekend. Theres no way to get their letter and do research by Monday. Highly suspicious of this group
Product: Bank account or service

I recently open up an account with XXXX XXXX. I then enable online banking. Once in online banking, I tried to enable online Bill payment. I was told that I could not do that as the XXXX party company ( XXXX ) who handles online bill payment had marked my name with a red flag. The reason for this is that someone had opened up an account at Regions bank XX/XX/2013 and Regions bank had then closed that account. I then called Regions Bank, and they told me to go in person to a local Regions bank branch to fill out and identity fraud form which I did. I then got a letter from Regions stating that my name had been cleared. I then go back to XXXX to see if they could enable my bill paymnet, but still my name is not cleared in the XXXX system. I then contact both XXXX and Regions to see my next step. XXXX was no help at all as they are saying it is Regions bank. Regions bank is saying they do not see anything flags ( even in there XXXX system ) that my name is flagged. I got a name of the person who had wrote the letter stating my name is clear, but after 6 attempt to call him and left a voicemail everytime, I am still not hearing anything. My complaint is against both Regions and XXXX as I am stuck in between these XXXX companies and unable to figure out what to do next.
Product: Checking or savings account

The Capital One bank recently underwent a transfer to a new computer system, which I completely understand from a business perspective. However, this new process has been difficult for customers like myself, because of a lack of communication to their customers. Capital One bank changed their routing numbers and should have informed their customers at least 30 to 60 days of this new process. The change of routing numbers has forced so many of us ( customers ) to have to make so many changes for direct deposits and for electronic payments that come out of our accounts. I received notification via mail about 7 days before this new process took place. Granted, their are delays in the delivery of the mail due to COVID-19. However, I truly do not understand why the bank did not inform/communicate via e-mail for those customers that are signed up to receive electronic alerts. My mortgage payment was lost in the mail and then the account that it came from was closed by the bank and opened with the new routing number, which created a lot of problems for me. In addition, I had to complete paperwork for all of the vendors who I pay electronically because the routing number was changed by Capital One. It is hard to believe this bank would change the routing number with so little communication and especially during tax season. Finally, their online bill payment process has changed which will now could make some payments delayed.
Product: Debt collection

On XX/XX/XXXX, a collection that I do not recognize and is not mine was charged to my credit by the company Rs Clark & Associates for XXXX dollars and that debt is not mine. My name is XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

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, XXXX XXXX, US DEPT ED XXXX, US DEPT ED XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX Original Creditor : XXXX XXXX  ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX XXXX ( Original Creditor : ) 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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, in complaint # XXXX, I had outlined and provided documentary evidence showing false, incorrect report data with missing data points, and over XXXX months of reported payments after the account has been paid and closed. Instead of correcting the issue, Equifax denied my CFPB dispute and stated that is was sent by a 3rd party. They also said that they will not dispute any further disputes from me and didn't explain any details or specifics on what made my CFPB complaint look like a 3rd party submission. I submitted the enclosed complaint # XXXX to Equifax using my android device. Is it against CFPB and XXXX compliance law to have a 3rd party submit a dispute or complaint on my behalf? What does Equifax see in my complaint that I attached, that would constitutes their refusal to investigate, and/or correct their inaccurate reporting?
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and noticed several accounts that I do not recognize
Product: Checking or savings account

On XX/XX/XXXX I went my Wells Fargo branch on XXXX XXXX XXXX in XXXX, California to close my checking account. I didn't need a checking account. The Wells Fargo employee I worked with told me that I was an important customer because I have my IRA with Wells Fargo Advisers. She told me that I  could have a free checking account, credit card, and safe deposit box. I agreed to transfer the balance of my checking account to a savings account. What she didn't tell me was that the savings account has a minimum balance {$3500.00}. I never had a balance that large in the savings account. I never checked my savings account statement because I thought the money was secure. In XX/XX/XXXX I looked at the statement and discovered that {$10.00} had been taken out of my account for many months. Since XX/XX/XXXX to be exact. I complained to the branch manager that I had been deceived. He explained that my Wells Fargo Advisers account does not make me an important customer to Wells Fargo Bank.He refunded me six months of fees ( {$60.00} ) and helped me open a savings account with a {$350.00} minimum balance. He told me he is authorized to refund only six months of fees and he would request I be reimburse for the balance of the bogus fees. Wells Fargo still owes me {$130.00}.
Product: Credit card or prepaid card

I have a complaint for chexsystem I sent them a letter about some information that was inaccurate that didn't belong to me and it's giving me a hard time to open up a bank account. Under the statue of limitations at CRA if there's no response and must be removed or it's a violation and can be sued each Bureau and collection of {$1000.00} fine. I am asking to please remove XXXX XXXX XXXX XXXX from my chexsystem as an exchange. 


Thank you so much I appreciate your business sincerely
Product: Credit card or prepaid card

Payment safeguard fee applied to our citi credit card account WITHOUT authorization and company is unwilling to refund charges.
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 accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts 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 accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX / XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX  XXXX Balance : {$0.00} ( Original Creditor : ) XXXX Balance : {$50.00} XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX  XXXX Balance : {$440.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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: Student loan

I paid my student loans on time and in full for over a decade using the payment booklets provided to me my ACS. XXXX years pass and now Performant Recovery collection agency is going after my wages without providing me account verification or other options.
Product: Debt collection

I have never been contacted by this agency yet the collections accounts are showing up on my credit reports.
Product: Debt collection

I am writing this letter on my own behalf. Upon reviewing my credit reports and gaining knowledge of relevant laws, I have come to the realization that both your agency and the collection agency are in violation of 15 U.S. Code 1681a ( 3 ), which pertains to the restriction on sharing medical information. According to this code, the exceptions mentioned in paragraph ( 2 ) do not apply when it comes to disclosing information to any person who is related by common ownership or affiliated by corporate control.
Product: Credit reporting or other personal consumer reports

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. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX and list of Inquiries 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

I'm sending this complaint to inform the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance {$2500.00} XXXX XXXXXX/XX/year>
Product: Checking or savings account

On XX/XX/XXXX, I was supposed to receive my direct deposit. I checked my account every hour to see when the funds would appear. When I didn't see the money, I contacted my Human Resources department, and everything was fine on their end. I also spoke to other coworkers, and they confirmed that they received their payments as scheduled. 

I reached out to Capital One, and they informed me that there was an error that would be fixed by the end of the day. However, two days have passed, and there is still no money in my account. I rely on this money to support my family, pay my bills, and put gas in my car. Its concerning that I work hard for my money and should be able to access it. 

Now, when I call Capital One for updates on the issue, the phone automatically hangs up on me.
Product: Credit reporting or other personal consumer reports

I have no information about these inquiries, and the company conducted them without my approval. Kindly remove them.
Product: Mortgage

I pay my mortgage to Specialized Loan Servicing ( SLS ), and recently I received a Notice of Default, for not making mortgage payment. Although, I have made my mortgage payments. I am aware SLS has me sending my payment to a XXXX address, although they are located in XXXX ; while I am a resident of XXXX. 
I have had issues with SLS, before due to them not sending me mortgage statement since I had a bankruptcy, and not allowing me to send my payment through online banking check instead of by mail ; which always seems to delay the process, and probably has accumulated late fees, but I would not know since I do not receive a mortgage statement. 
Overall, no reason for SLS to be sending me Notice of Default ; when they are at fault for not tracking my payments correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX XXXX XXXX sent me a letter stating that on XX/XX/XXXX XXXX XXXX XXXX on XXXX in XXXX, Colorado sent them an application for auto financing on my behalf, which I was denied, then again on XX/XX/XXXX i received another letter of credit denial from XXXX stating the same thing, the day before on XX/XX/XXXX I received a letter from XXXX XXXX stating that XXXX XXXX XXXX XXXX XXXX XXXX XXXX, in XXXX, Co. requested an Auto Loan for a XXXX XXXX XXXX, then on XX/XX/XXXX XXXX also denied me for the same company for an auto loan, which is the same company as XXXX XXXX XXXX, and again that I was denied. Also, on XX/XX/XXXX XXXX, and XXXX XXXX XXXX denied me credit, which I did not apply for, it was for another auto loan.
Product: Debt collection

XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom it may concern, I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The accounts in question is listed as follows : Creditor Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 
The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score. Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper.

I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections. 
Thank you for your prompt attention to this matter. 

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

Experian is reporting fraudulent items on my credit report. The items are XXXX XXXX, XXXX XXXX XXXX, and XXXX.
Product: Debt collection

I was in multiple medical situtions where i recived services but wasnt able to provide my medical card number due to my curcimstances. i most likely went to XXXX  so time went by from where i was able to provide insurance information now the debt has been kicked over to a debt collector AND i told them my sitution and that i coulndt pay because im currently XXXX XXXX but truly i dont feel i need to pay because i had insurance i got XXXX  after the case so due to the being the senerio i ask for forgiveness
Product: Credit reporting or other personal consumer reports

This company keeps lowering my score every 2-3 weeks with the same bogus information. All other credit score companies have me at XXXX, soon as my school loans were closed. Equifax drop me XXXX points saying I have 3 debt with late payments from 5 years ago, when 2 weeks prior I was at XXXX with XXXX They are a pure scam company.. The same company that messed up over 2million people last year, they refused to fix the problem saying it is the lenders fault, when it is the same information since two weeks before that they used to move my score to XXXX. They keep changing the score of people to negative when we have a good or excellent stand with the two other compnaies XXXX and XXXX. using the same information..
Product: Credit reporting or other personal consumer reports

Incorrect information being reported on credit report that does not belong to me. 
Re : Dispute of Collection Account XXXX Dear Sir/Madam, I am writing to formally dispute the accuracy of a collection account listed on my credit report. Upon reviewing my credit report, I found a collection entry that I believe is either incorrect or has been reported in error. This collection account is causing harm to my credit score, and I am requesting that it be investigated and removed if found to be inaccurate. 
The collection account in question is as follows : XXXX ( XXXX XXXX XXXX XXXX XX/XX/2024 Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is inaccurate, incomplete, or unverifiable. The FCRA ( Section 1681i ) requires credit reporting agencies to conduct a reasonable investigation into disputes and remove any inaccurate information. 
Additionally, I am requesting that you provide the following documentation to verify this debt : 1. The original account agreement or contract showing my responsibility for the debt.

2. Proof that the collection agency has the legal right to collect the debt on behalf of the original creditor.

3. Any supporting documents that show the debt is mine and has not been paid or settled.

4. A detailed accounting of the amount owed, including any interest or fees added. 
As per the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to dispute the validity of a debt and request verification. Therefore, I respectfully request that you contact the collection agency and ensure that they provide appropriate documentation to verify the debt. 
If you are unable to provide verification of this debt or if the information is found to be inaccurate, I ask that the collection account be removed from my credit report immediately. 
Please note that the FCRA requires a response to this dispute within 30 days. I also request that you send me a written confirmation once this matter has been resolved, along with an updated copy of my credit report reflecting any changes made. 
Thank you for your prompt attention to this matter. Should you require any further information, please do not hesitate to contact me. 
According to the Fair Credit Reporting act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Please removed all information.
Product: Checking or savings account

I thought I purchased a door stop as a gift on XXXX website. The only way to complete the transaction was through PayPal 's 'Send to Friend'which I should have red flagged. There was no communication, no confirmation from the website about my order, nothing, nada zip. I emailed the address on the website and the email bounced back. I contacted the XXXX seller, nothing. I looked up XXXX and it is not legit. I then called XXXX XXXX who has always reversed fraudulent transactions- this time they gave me PayPal XXXXs #. PayPal was no help and basically said the purchase was fine on their end. How so? I wasted {$39.00} on a product my brother never received!! PayPal should be held accountable and I should be refunded the money that XXXX XXXX stole from me. Thank you,