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

Navy federal declined to send the bill so it can be handled way before they claimed to have charged it off. I had no way to handle the bills of both credit card account due to them neglecting to send them to me. Now navy federal is claiming and reflecting on the credit report that they have charged off 2 credit cards. When I asked for the 1099c due to them charging off the credit cards. They declined to send me such information. I also know, that if they charged off the credit cards. Then they were suppose to send me a 1099c to go along with my taxes for the year. They are telling me that in order for them to send me the 1099c for both accounts. That I have to pay them a settlement.
Product: Debt collection

Cavalry claims to have purchased a debt I allegedly owe from XXXX XXXX. I sent a validation letter from the reference # XXXX The only paperwork they have sent in their collection efforts is statement on a credit card billing cycle. This does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation. I am requesting the dates and a signed contract showing I have previous business with this companie. 
I notice that you are still reporting this collection on my credit report, which is considered to be a collection activity. You are now in violation of the FCPDA. 
I would like them to cease collection activity with regard to this account.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, which has left me feeling vulnerable and distressed. Fraudulent accounts were opened in my name without my knowledge or consent, causing significant harm to my credit standing. 
I am determined to take the necessary steps to clear my name, protect my identity, and restore my financial well-being. Therefore, I kindly request the removal of these fraudulent accounts from my credit report, as they do not accurately reflect my financial history or responsibility. 
Your support and assistance in addressing this matter are greatly appreciated as I work to overcome this unfortunate experience.
Product: Debt collection

I was threatened with fines, criminal charges and civil lawsuit for debt I have/had NO knowledge of. Theres been security breaches numerous times over the course of one year and that just sets a lot of working struggling families back to get ahead. We all know what a bad credit report does to your existence.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 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 ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non complying with the FCRA. 
Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
Please delete the accounts, or inaccurate information, from my file immediately & send me the results to the addressXXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I lived at XXXX XXXX , whose owned by XXXX XXXX, from XX/XX/XXXX to XX/XX/XXXX. I fell behind on rent payments due to covid and the Covid-19 Relief Fund sent the apartment a check in XXXX of XXXX to cover the balance due that the apartment sent them that I owed. I received a letter in XXXX of XXXX from the apartment 's lawyer group, Kimbal, stating that I owed {$25000.00}. I sent them a copy of the award letter, letting them that the apartment was already paid in XXXX of XXXX. It showed up on my credit report instead of them updating the payment that was received.
Product: Credit reporting or other personal consumer reports

Experian and XXXX XXXX XXXXXXXX ( XXXX XXXX ) repeatedly report unverifiable and inconsistent account balances, dates, and statuses, violating my rights under FCRA 611 ( a ) ( 7 ) & 623. I disputed with Experian requesting the legally-required original creditor documentation verifying accuracy. Experian failed to provide proper verification or creditor validation documents as required. 
I now request via CFPB that Experian immediately provide : Full, original creditor validation proving debt balances, dates, and charged-off status accuracy. 
Complete details of their verification method, including verifying creditors contact information. 
If Experian can not provide the exact required documentation per FCRA within 15 days, federal law demands immediate removal of this inaccurate account from my report. 

Name : 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

In accordance with the fair reporting act name XXXX XXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXX XXXX Account number XXXX, XXXX  XXXX XXXX Account number XXXX, XXXX XXXX Account number XXXX, XXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXX Account number XXXX, XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX/ XXXX Account number XXXX, have violated my rights XXXX 

15 USC 1681 Section 602 States that 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 late for any purpose.

15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Product: Debt collection

AARGON AGENCY HAS BEEN TRYING TO COLLECT FOR DEBT WITHOUT PROOF OF OF THIS DEBT, HOW IT WAS CALCULATED OR ANY CONTRACT FOR THE SUPPOSED SERVICE, LIST OF SERVICE, ETC. 

THEY'RE DISREGARD FOR MY RIGHTS HAS CAUSED THE ERROR IN REPORTING WHICH HAS LOWERED MY QUALITY OF LIFE. 

THE AMOUNT THAT THEY ARE TRYING TO COLLECT IS {$1300.00} THAT THEY HAVE NOT EXPLAINED AND SHOULD BE DELETED.
Product: Checking or savings account

Description of Complaint : Banking online - Appearance of commingling of personal and business checks. 

This is a formal business and personal complaint against Citizens Bank. I have a personal checking and a business ( XXXX XXXX, XXXX ) checking account. My personal account is quite active, my business account has very low volume. My complaint is that Citizens Bank has merged the appearance of the business and personal checking accounts. Online banking checks written on my personal account, come out of my personal account, but appear to be written on my business account. 

This means my charitable donations, wedding gifts, electric bills, etc appear to be from my business account, not my personal account. The potential tax consequences are obvious. ALL online checks written for personal use have had a business caption. Their solution was to have the business checks appear to be personal. I can not be the only person with both business and personal checking at Citizens. I only stumbled across this problem recently, but it has been going on for a long time. I have been a customer of Citizens or its predecessors for over 40 years. The customer care and problem solving by the corporation is profoundly disappointing. Their solution makes it appear that I have commingled my personal and business finances. 

For example, a personal gift to a relative appears to be written from my business account, but was written from my personal account. The relative thought I was paying from my business, to get a business expense. The name and address on the checks should be EITHER the business or personal. Citizens only allows one choice shared by both business and personal accounts.
Product: Credit reporting or other personal consumer reports

I appreciate your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

For the past 5-6 months I have been trying to get Wells Fargo to explain to me why is this a mortgage.I went with my mother in XX/XX/XXXX to Wells Fargo to get a debt consolidation loan.She XXXX XXXX in XX/XX/XXXX, I ( XXXX XXXX ) her daughter got the house willed to me.They did a modification in XX/XX/XXXX jto lower interest rate.I paid monthly on the note .Then I find paperwork from XXXX that was added to the Wells Fargo note.To this day, they said I do n't make enough money to get a modification.My only 2 opinions is pay what is due or sell the house.NOT HAPPENING!! They still have n't answered why it 's a mortgage and why XXXX is still on there.That was my mother 's I feel I and my mother XXXX rest her soul have been taken advantage of.
Product: Credit card

Kay jewelers sold my old debt to another company and I paid that years ago ... Kay Jewelers is showing a XXXX balance and yet they continue to update and damage my credit monthly and it is affecting my financing. I need this fixed asap
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are reporting an incorrect coding of the XXXX XXXX partial account number XXXX. This account actually needs to be coded as an XXXX. ( Please see pages 8, 9, and 10 of the attached credit report. ) This account reports a  {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit card

On XX/XX/year>, I signed a six-month contract for insurance on my car with a company listed on my bank statement as the merchant XXXX XXXX XXXX XXXX with a cost of {$280.00}. 
On XX/XX/year>, mentioned insurance company violated the terms of the previous contract and unilaterally, without notifying the consumer, raised the cost to {$370.00}, and on its own, without approved authorization on my part, charged that amount to my credit card. 
Of course, I did not agree with the insurance company 's greed and immediately on XX/XX/year>, I filed a fraud dispute. 
The bank temporarily credited me for {$370.00} while the dispute was going on. 
However, my bank, Bank of America, instead of immediately blocking any ability for the above merchant to charge any money or conduct transactions on my credit card, on XX/XX/year> I saw that the dispute was over and I was charged {$370.00} again, allegedly I bought this insurance again. 
Who at Bank of America handles disputes??? 
How was this transaction even made again for {$370.00} if I had already blocked the previous credit card and refused this scam insurance company? 
I have long ago signed with another insurance company and have nothing to do with XXXX XXXX XXXX. 
I also found on my bank statement that the merchant XXXX XXXX XXXX uses another name XXXX XXXX XXXX XXXX CA along with this name, obviously to mislead people and the bank. 
I demand that Bank of America immediately reverse this charge to my credit card in the amount of {$370.00} dated XX/XX/year>. 
I demand that Bank of America immediately block both of the above merchants from accessing my credit card and my accounts in general. 
I did not authorize or approve this transaction or future transactions for the above merchants.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the item which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX  Bankruptcy Filing Date XX/XX/2016 Docket XXXXDischarged
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM THE VICTIM OF IDENTITY THEFT. I HAVE REPORTED IT TO THE FTC AND TO THE BUREAUS ; I HAVE SENT THE INFORMATION AT LEAST HALF A DOZEN TIMES TO THE CREDIT BUREAU BUT THEY KEEP REPORTING NEGAVTIVE INFORMATION DESPITE IT BEING ON MY LAW ENFORCEMENT RPEORT AND IGNORING THE FACT THAT I WAS AFFECTED BY THE EQUIFAX BREACH. PLEASE ASSIST ME IN CLEARING MHY GOOD NAME AND MAKING THEM ABIDE BY THE LAW!!! 

The following accounts were opened fraudulently in my name, as reported to the FTC the bureaus and the local police department 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
Product: Student loan

I am delinquent on my student loans. The original amount was {$65000.00} and the total amount is XXXX. I checked with two websites online both of them federal govt student loan information sites. My loans were direct federal loans. My servicer is a collection agency that deals with delinquent loans. My guarantor was the Dept of Ed. Nowhere on these sites is there a mention of Wells Fargo Bank or their Direct Loan Program. In addition, I would never take additional loans from this dishonest, fraudulent, shady lender. Yet I am receiving bills for $ XXXX and a demand for payment in full on this loan with Wells Fargo being the original lender. Hmmm .... Im confused, did I consolidate? Refinance? Please provide all paperwork and terms and signatures on this debt for {$95000.00}. Please disclose in writing all necessary paperwork and proof of being the lender for my school loans. I have no knowledge of such a loan, I need my memory to be refreshed. I have a mortgage with you and {$110.00} in equity, therefore I have enough to cover said loan. But as far as payment, Im going to pay Dept of Education the XXXX unless you can prove your case. Kindly remove derogatory information from the 3 credit bureaus regarding this loan until you provide verification of being the lender. I am applying for my home equity line of credit this week and I already have a fraudulent credit card that you opened and kept opened for two years destroying my credit. I dont need another fraudulent item on my reports due to Wells Fargos history of scamming customers Thank you
Product: Debt collection

I was never given a chance to dispute the debt. I did not know about this debt and was never given the chance to pay it. They had a wrong address on file and never sent me anything just reported to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to work with the Credit Bureaus more than once, i have sent several attempts to ask for proof of validation of accounts and they have refused to provide me with Proof. The law states that they must provide with proof if they can not they must delete from my credit or update what needs to show properly on my credit and they fail to do so. I tried my best to work with them but they are not being fair and not following the LAW. I have been trying to work with them Since ( XXXX/XXXX/17 of this year that is a total of 4 months of this going on. ) I ask CFPB to help me look further into this matter.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I have identified the following item ( s ) that contain inaccuracies : XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX inquiry was not authorized XXXX XXXX Date of inquiry : XXXX. 
IDENTITY THEFT. 
XXXX XXXX XXXX XXXX  Account Number : XXXX OPEN DATE XXXX, XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX Account Number XXXX OPEN DATE XX/XX/XXXX XXXX XXXX. XXXX XXXX Account Number XXXX OPEN DATE XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX  ACCOUNT NUMBER ; XXXX OPEN DATE XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX XXXX  ACCOUNT NUMBER XXXX OPEN DATE XX/XX/XXXX. XXXX BALANCE
Product: Debt collection

Received notices from Simm Associates, XXXX XXXX XXXX, XXXX, DE XXXX, dated XX/XX/2020 addressed to both myself and my wife regarding debts owed to XXXX University XXXX. We were not aware of these debts and never received any bills related to them from XXXX. The dates of service noted on the two letters were the same and the amounts alledgedly in dispute were the same. I spoke to XXXX on XX/XX/2020 and they indicated that they do not do business with Simm Associates, that we had no services on the dates listed, and that we did not owe XXXX the amounts involved. I left a message for Simm Associates on XX/XX/2020 and did not receive a reply. 

I called Simm Associates again on XX/XX/2020. Their representative stated that they would transfer me to the " person in charge of my account '' ( but they had not yet asked me for any identifying information ) but they stated that " they were not available ''. The person then said they would try to help me, I just needed to give them my name, address, and date of birth. I noted that I had their account number on their letter and wouldn't that work, and they responded that without my information they couldn't find my account. I stated that I would not give them my date of birth. The representative said that without my date of birth they could not help me and hung up. I believe this is a fraudulent action.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT After reviewing my consumer report your corporation is acting on the behalf of a debt collector attempting to collect an alleged debt. I am demanding that these late payments be removed from my consumer report as they have been furnished without my consent. 

In pursuant to 15 USC 1692a ( 2 ), the term " Communication '' means the conveying of information regarding a debt directly or indirectly to any person through any medium. 

As per the literal interpretation " Any medium '' includes any oral, written, electronic, or other mediums. 

Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by the Company will amount to Communication as per Fair Debt Collection Practices Act ( FDCPA ) Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing you formal notice to cease any further communications regarding this account immediately. 
This includes but not limited to telephone calls, emails, social media, or any Consumer Reporting Agency Any further contact by your Agent or Company, except a communication confirming your acknowledgment of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

If you do not cease communication a lawsuit will be commenced against you. 
Thank you for your cooperation I demand deletion of these accounts from my consumer report and if I am not taken serious I will invoice and take this too a federal matter Sincerely, XXXX : XXXX, Beneficiary.
Product: Credit reporting or other personal consumer reports

I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and my SSN Card.
Product: Credit reporting or other personal consumer reports

I have already disputed XXXX XXXX account on my credit report in which they refuse to remove this fraudulent account. I have proven to them with a police report that my ex-wife fraudulently opened several accounts in my name with the intent of destroying my credit. I am requesting that this account be removed asap.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS.

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




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  UNAUTHORIZED INQUIRY 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.