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

I appreciate your assistance in removing a portion of my credit file related to fraudulent activity. However, there are still items that require removal. Under FCRA Section 605, you are obligated to remove any inaccurate records. I have previously submitted this documentation and am resubmitting it for your reference. Please be advised that my attorney is aware of my intentions and is prepared to hold you accountable for any continued non-compliance. 
XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$5000.00} XXXX XXXX XXXXXXXX Balance : {$6900.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$4400.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance XXXX {$7300.00} XXXX XXXX XXXX Balance : {$5500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

a fraud charge XXXX was on my boa credit card the card was used at XXXX XXXX XXXX XXXX XXXX XXXX use my card at this merchent i even been there before so i file a fraud with boa but they didnt approve my dispute and ask me to pay the XXXX i got a letter from them but i didnt spend the money or even in the store before
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Equifax XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  : Account number XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed 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.

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX Enclosures : Identity Theft Report Proof of identity : [ a copy of my drivers license/other government-issued identification card/other ] Copy of Credit Report
Product: Credit reporting, credit repair services, or other personal consumer reports

When I sent a copy of the FTC report, it was discovered that credit bureaus are not obstructing records. Because it is required by FCRA regulation 605b, I am sending this Complaint to assist in laying out a lawful response. If you choose not to obstruct the following items recorded beneath that are responding incorrectly as a result of fraud. The following items must be deleted from my file : XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$1700.00} ; XXXX XXXX XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

I was issued a checked by my employer that was drawn off a Wells Fargo bank account. I went to the bank to cash it at the Wells Fargo location on XXXX in XXXX, IL. The personal banker left me sitting for over an hour to come back and tell me they have never seen a check And the check was fraudulent. I said how can you say that? He said we are confiscating this check for further review but as it stands it 's not real. I was treated like a common thief. I was made to feel because I was XXXX XXXX that I could n't possibly be cashing a XXXX check. He gave me his card I emailed my employer and the company that is our payroll processor and included him on the email to them about the incident. They all replied the check was a valid check and not sure why Wells Fargo treated me the way they did. All week I never heard from WF even though they were on the emails regarding the chk. My employer went ahead and stopped pay on the check to get the funds to me and reissued as a direct deposit. I get an email today from a manager telling me in an email that they reviewed the check and that the check had a stopped pay on the check. He was implying I brought the check in when I knew it had a stop pay on it. That just was n't the case the check did not get stopped until after I notified my employer of the foul treatment and WF keeping the check and still a week later still implying I am a common thief.
Product: Debt collection

PORTFOLIO RECOVERY has violated my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) 15USC 1692 ( g ) b Validation of debts. 
PORTFOLIO RECOVERY failed to validate this alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had a few late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility by law, to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the the following accounts. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Please investigate and provide valid Proof with statements showing that these payments were late. If Valid and substantial proof can't be provided I demand these payments be updated to on time as they should be, as I was NEVER Late. Thanks for your prompt time. 

Signed : XXXX XXXX
Product: Debt collection

I Would like to report this collection company that has damaged my credit for a very long time. 
I was a patient with ( Original creditor : XXXX XXXX XXXX XXXX She was my dentist. 
I am a full-time XXXX at XXXX XXXX and I have excellent dental and health insurance. I presented my dental insurance card to my dentist and I assumed that she would apply all the charges to my insurance and send me the bill if any.The front desk of the dentist office had all my phone numbers and my address I never heard from them. 
All of a sudden this collection company put this unknown bill on my account and I called my dentist, which is XXXX XXXX XXXX and told her that my insurance company was to pay that and I gave you my insurance card before you started the procedure. 
This collection company has damaged my credit for too long well I don't owe them any money and they did not send me a letter to let me know what the problem was so I could have resolved this issue before it was put on my credit report.This collection company also updated the balance this month which is incorrect and it is damaging my credit.
Product: Credit card

Service company XXXX XXXX XXXX charged my Macys XXXX XXXX credit card with out my authorization either written or verbal for services in the amount of {$190.00} which I also did not approve and they charged my credit card only because they had my credit card on file in their computer system. 

Regardless of the history and dispute details between me and XXXX XXXX XXXX, I did not authorize the charge on any type of payment method. 

XXXX XXXX XXXX  can pursue the alleged charges further or try and negotiate with me as I do not agree with the services rendered. XXXX XXXX XXXX can take me to court for which I would provide proof and history of the dispute between me and XXXX XXXX XXXX 

Macys XXXX XXXX personel were provided with some history and information of the dispute between me and XXXX XXXX XXXX  as a courtesy but IN ESSENSE XXXX XXXX XXXX  DOES NOT HAVE my written authorization to have charged my credit card and Macys XXXX XXXX XXXX did not request such documentation ( written approval for work order ) BUT STILL found the dispute AGAINST my best interest with out proper investigation or receiving such documentation. 

If XXXX XXXX XXXX  is able to provide my written authorization for services rendered then I would not have a case here nor I would have disputed the charge and Macys XXXX XXXX XXXX failed to provide me with such documentation as they have failed to properly investigate on other requests made by me for which I had to report as well to CFPB. Further more, charging a credit card with out having the credit card present or with out having a written authorization for a work bill is fraud which is a crime under Penal Code Sections 484e484j
Product: Debt collection

Calling family members that were not on the account and constant phone calls to my number harrassing all hours of the day leaving voicemail on relatives phones that they must have searched for them and their numbers
Product: Credit reporting or other personal consumer reports

I am writing to dispute the reporting of a late payment on my credit report. I have contacted the bank regarding this late payment, and they have approved updating the account to " open/never late. '' The bank has acknowledged the inaccuracy of reporting a late payment and has agreed to make the necessary changes. 

According to the Fair Credit Reporting Act, I am entitled to an accurate credit report. 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I am writing to dispute late payments listed on my credit report. Under the provision of 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act, I am formally requesting validation of the debt associated with these late payments. 

Capital One Acct : XXXX Reporting 120 days late Capital One : XXXX Reporting 60 days late I believe that these late payments have been reported in error, and I request a thorough investigation and verification of the debt. If the debt can not be verified, I demand that the associated late payments be removed from my credit report immediately. 
I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXXXXXX XXXX XXXX  XXXX XXXX ), you may be liable for your willful non- compliance. 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. The following information therefore needs to be reinvestigated. 
Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. 
Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days of the completion of your reinvestigation. 
I demand that these accounts be deleted immediately, or I will file litigation. I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation. 
Sincerely, XXXX XXXX
Product: Vehicle loan or lease

I did not understand the companys response and called the company back to clarify. I then accepted to defer my payment and completed the paperwork and said they approved me only for XXXX when they never actually approved me for anything. I kept getting calls from Honda financial services that my account was past due and I explained to them the issue and they said it was still be processed. I kept getting calls that my account was past due and yesterday they said The person never submitted my application and they dont know what happened and now my account was almost 30 days past due and if I dont make a payment it will affect my credit. They said they will put in a complaint and create a ticket and have someone reach out to me. They told me to make the payment and they can defer my XXXX payment. I went into my account and saw more fees that I should not have accrued and because I accepted to defer my XXXX payment and before it was due. I was able to pay my XXXX payments and feel horrible that they lied to me and charged my account late payments fees and threatened to affect my credit. The lady I spoke to yesterday was not helpful and was very rude to me and said I need to make the payment and did not read all the notes or listen to me. I had to hang up and call back and spoke to another representative who said the other person put in a request to her supervisor but never sent the application and to pay this month and someone will reach out to me. Also there is still a safety recall on my car that the company did not fix and they do not have the remedy yet to fix it.
Product: Debt collection

sent debt validation letter multiple times XX/XX/2019 XX/XX/012019 XX/XX/2019 final letter sent XX/XX/2019
Product: Credit reporting or other personal consumer reports

My credit report is showing a late payment for XX/XX/2023. I was never late. I have already notified XXXX XXXX to remove the late payment information from my account.
Product: Credit reporting or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no XXXX party involved. Please review the uploaded letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

General Revenue Corp is reporting a loan as only 7mo old when it is really almost 7 years old and should fall off my credit report pursuant to the FCRA this year!
Product: Debt collection

I would try to reach someone in the company and they are hard to get a hold of. I made 4 payments and they stopped taking the payments out. Then I repeatedly tried to get a hold of someone and their phone system is useless. They have now garnished my bank act instead of place of work which I have never heard of.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXXXXXX XXXX  Account number : XXXX XXXX XXXX XXXX XXXX Account number : XXXX XXXXXXXX XXXX Account number : XXXX XXXXXXXX XXXX Account number : XXXX XXXX  Account number : XXXX XXXX XXXX Account number : XXXX XXXX Account number : XXXX has violated my rights. 

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

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

I am a victim of identity theft. On file with the credit bureaus i have a ftc complaint and a id theft affidavit. I noticed the fraudulent acct. XX/XX/XXXX from a Southwest Credit Systems alledging I owe a debt when i have not applied for any credit in the last 10 yrd
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX Western Funding Incorporated XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Subject : Formal Debt Validation & Credit Reporting Dispute To Whom It May Concern, I am writing to formally dispute the validity of the debt associated with my former vehicle, which was originally financed through Western Funding Incorporated. Despite selling this debt to XXXX XXXX XXXX, you are still reporting this account on my credit report. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2, I am requesting that you provide full documentation validating this debt or immediately correct or remove it from my credit report.

Debt Validation Request Please provide the following documentation to verify the accuracy of this debt : 1. Proof of Debt Ownership Written confirmation of when and to whom this debt was sold, along with any transfer or assignment records.

2. Full Payment & Balance History A breakdown of all payments I made and a clear explanation of how the final balance was determined, particularly after the sale of the vehicle.

3. Proof of Vehicle Sale & Deficiency Calculation Documents showing how much the vehicle was sold for, how the proceeds were applied to the balance, and why any remaining amount is still being reported. 
4. Credit Reporting Justification A detailed explanation of why you continue to report this debt, given that it has been sold to a third party.

Credit Reporting Dispute & Request for Deletion Since Western Funding Incorporated no longer owns this debt, it is improper for you to continue reporting it under your name. Per the Fair Credit Reporting Act ( FCRA ), a creditor can not report inaccurate or outdated information. I request that you : Immediately remove this account from all credit bureaus ( XXXX, XXXX, and XXXX ) OR Update the account to reflect a {$0.00} balance and note that it was sold/transferred, if legally required.

Request to Cease Collection & Mark Account as Disputed While this dispute is being reviewed, I am requesting that : 1. All collection activity related to this account cease.

2. This account be marked as in dispute on my credit report.

Legal Notice Failure to properly validate this debt while continuing to report it may constitute a violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). If my rights are violated, I am prepared to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office. 

I request a written response within 30 days of receipt of this letter. If you can not validate this debt or justify its reporting, I expect it to be removed from my credit file immediately. 

Sincerely, XXXX XXXX
Product: Debt collection

According to 15 U.S. Code 1681c-2, This is my statement that all of the listed accounts have been reported without my expressed, written consent and therefore is a results of identity theft and must be removed. These accounts are not related to any transactions made by me, the consumer. Fraudulent Unauthorized Accounts : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX : XXXX
Product: Credit card

I have a Citibank issued credit card that earns airline miles on XXXX since XXXX. I have always used my XXXX XXXX XXXXXXXX ( XXXX  ) XXXX  to receive the Citibank bill and pay it in full every month on time- electronically. For XX/XX/XXXX, Citi made a change to 3rd party XXXX  in that they limited electronic payments to {$1000.00}, meaning my {$2300.00} bill required my bank to issue and mail a paper check, which they did on XX/XX/XXXX. When I got online to look at my Citibank bill to verify charges on XX/XX/XXXX, it said I was past due and they had charged me a late fee and interest totaling {$110.00}. The XXXX bill was due XX/XX/XXXX. My bank representative told that many XXXX customers were running into this issue as Citi initially had a {$750.00} limit, which they changed to {$1000.00} and is now apparently at least {$2000.00} since I experimented with various manual payments later. My banks representative offered to call Citi with me to straighten it out. We made two calls and the Citibank agents refused to speak with us while the XXXX representative was on the call. I called Citibank back and talked to 3 different agents that claimed that Citibank had properly notified of this change and the fault was with my bank mailing the check too late. I was speaking with Citibank 3 weeks after XXXX mailed the check and it still wasnt received. Citibank recommended that I put a stop payment on that check and hand over my personal bank information so they could simply draft my account-bypassing my XXXX. This was the ultimate goal of this policy change : obtaining direct access to be able to draft their customers bank accounts. I refused to let Citi have access to my bank account and paid off my balance using 7 different manual payments on my XXXX. One of those payments was for {$2000.00} and it went through electronically, indicating that Citibank had yet again made a policy change. I wrote to Citibank customer service in South Dakota requesting refund of interest and late fees, but no response.
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 confidentially under 15 USC 1681. Act Name : XXXX XXXX Act Name : XXXX XXXX, XXXX Act Name : XXXX  XXXX XXXX XXXX Name : XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX  I, 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 1681s-2 ( A ) ( 1 ) Section 623 ( a ) states that a person, including a financial institution, may, but need not, specify an address for receipt of notices from consumers concerning inaccurate information. If the person specifies such an address, then it may not furnish information relating to a consumer to any consumer reporting agency, if ( a ) the consumer notified the person, at the specified address, that the information is inaccurate, and ( b ) the information is inaccurate. If the person does not specify an address, then it may 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. 
Reasonable policies and procedures concerning the accuracy and integrity of furnished information ( 12 CFR 1022.42 ) and Interagency Guidelines ( Appendix E ) Each furnisher must establish and implement reasonable written policies and procedures regarding the accuracy and integrity of consumer information that it furnishes to a consumer reporting agency. The policies and procedures must be appropriate to the nature, size, complexity, and scope of each furnishers activities. In developing its policies and procedures, a furnisher must consider the Interagency Guidelines and may include its existing policies and procedures that are relevant and appropriate. Each furnisher must also review its policies and procedures periodically and update them as necessary to ensure their continued effectiveness.