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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX. XXXX Date : XXXX Company : XXXX XXXX. 

RE : Account # XXXX Balance : {$90.00} XXXX XXXX XXXX 
Account # : XXXX XXXX : {$110.00} XXXX XXXX. 
Account # : XXXX XXXX : {$98.00} XXXX XXXX. 
Account # : XXXX XXXX : {$130.00} XXXX XXXX. 
Account # : XXXX XXXX : {$120.00} XXXX XXXX. 
Account # : XXXX XXXX : {$320.00} XXXX XXXX. 
Account # : XXXX XXXX : {$170.00} XXXX XXXX. 
Account # : XXXX XXXX : {$73.00} XXXX XXXX. 
Account # : XXXX XXXX : {$87.00} BANK OF AMERICA Account # : XXXX Balance : {$5900.00} XXXX XXXX XXXX  Account # : XXXX Balance : {$12000.00} To Whom It May Concern : This letteris being sent to youin response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau ( s ), the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

Please provide me with the following : What the money you say I owe is for : Explain and show me how calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgement if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me that you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the XXXX major Credit Bureaus ( XXXX, XXXX, or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. 

Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit.
Product: Credit reporting or other personal consumer reports

I am XXXX, with a credit score of XXXX. Recently I was scouting the lending market for the trends in lending terms. I took the bait with XXXX XXXX ( XXXX XXXX  ) XXXX I applied and was flooded immediately with Sales Calls. The representative was reluctant to spit out the numbers I was looking for, e.g. FTV, APR, rates payments and terms. At one point my lack of enthusiasm to commit to a loan was met with a threat of an Adverse Action of " Unqualified '' if I do not continue with a loan. As a result, I did receive such a letter with an Adverse Action from Experian credit reporting. Is this a smack of elderly abuse, or age discrimination, or some other illegal credit reporting practices? 

n my life time, I've had a dozen mortgages. I am shocked that without my consent to the disclosures in the specific terms of a loan, I can be held hostage with an Adverse Action ( without committing to a loan. ) Where and when did I sign? How can I be " Unqualified '' when I have not even deciding on the undisclosed terms?
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that is being reported on my credit report. Specifically, the following items are incorrect and are negatively impacting my credit score : Account Name : XXXX XXXX Account Number : XXXX Balance : {$860.00} Reason : I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account or delete the negative information in this account. 
Date of Last Activity : Inaccurate High Balance : Inaccurate Date Reported : Inaccurate Account Name : DOE XXXX Account Number : XXXX Reason : I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the egal authority to collect it or delete this account Date of Last Activity : Inaccurate Date Opened : Inaccurate Date Reported : Inaccurate Account Name : XXXX Account Number : XXXX Reason : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
Date of Last Activity : Inaccurate Date Opened : Inaccurate Date Reported : Inaccurate Account Name : XXXX  Account Number : XXXX Reason : I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account Date of Last Activity : Inaccurate Date Opened : Inaccurate Date Reported : Inaccurate Account Name : XXXX Account Number : XXXX Reason : This account is incorrectly reporting that I have XXXX late payments. On my Transunion report there are XXXX late payments being reported. 
Date of Last Activity : Inaccurate Date Opened : Inaccurate Date Reported : Inaccurate Account Name : XXXX Account Number : XXXX Reason : This account is incorrectly reporting that I have 17 late payments. On my Transunion report there are 12 late payments being reported. 

Account Name : XXXX  Account Number : XXXX Reason : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

These items are either incorrectly reported or have already been addressed, and I request a thorough investigation and correction of the errors. I have previously contacted both the credit reporting agency and the data furnisher, but the issue has not been resolved. I have attached supporting documentation and screenshots of my credit report to illustrate the inaccuracies and substantiate my claim. Please investigate this matter promptly and ensure that my credit report is updated with accurate information.
Product: Credit card or prepaid card

The payment was missed for XX/XX/ and the company charged a total of {$41.00} for the late fee on XX/XX/ which is also the due date for my minimum payment. There was also an interest charge of {$59.00} on XXXX XXXX XXXX and the monthly minimum payment was between $ XXXX {$80.00}. Both payments of {$59.00} and {$41.00} were understood and that was not the problem. The company Macy 's now claims that I must pay {$200.00}. XXXX and this is a result of the minimum payment for XXXX added to the minimum for XXXX and a percentage of the late fee as well as the interest fee. BOTH representatives I spoke to as I clearly stated for them to hear me ask " So basically I am paying my late fee again " They replied " YES ''. My question is why is Macy 's charging me another late fee for the month of XXXX embedded or camouflaged in my regular monthly minimum payment is this not illegal? There is nothing in their disclosures that state this is how they do business it clearly states {$41.00} dollars and nothing more.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey I went to the car dealership and was trying to apply for a car. They said they was going to give me a soft inquiry on my credit but when I checked there was a lot of hard inquiries. The names are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have accounts on my credit report that do not belong to me. I made a FTC report to the credit bureaus. I report the accounts to the bureaus to remove the accounts for my credit report. They didn't remove them. 

inaccurate accounts XXXX XXXX XXXX XXXXXXXX {$4700.00} XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX, XXXX XXXX XXXXXXXX XXXX {$230.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$2800.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$7.00} XX/XX/XXXX 2016
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX XXXX ( aka XXXX XXXX XXXX XXXX provided me with a letter on letterhead stating that the account was paid in full and closed XX/XX/XXXX. However, there is incorrect information on my credit report. I have disputed this information twice in XXXX and XXXX with the three credit agencies and it still shows up incorrect. It shows as '120 past due XX/XX/XXXX '.
Product: Debt collection

Auto loan company came to my residence on private property and took my vehicle without my knowing. The company also did not give me the opportunity to remove personal belongings and private documents containing personal information. The company still will not let me have my personal belongings. The representative I spoke to over the phone said tough luck and I also was not notified that I was being sued and I never received any sort of documentation for the court date and I received a notification of judgment through the mail. I still have not been able to connect with and resolve the issue of my personal and confidential belongings.
Product: Mortgage

Wells Fargo declined Mediation Proposal after stating they like to make my situation right. Unfortunately nothing have changed with Wells Fargo. They are still failing to make thing right with their customers.
Product: Payday loan, title loan, personal loan, or advance loan

I had learned that there had been a loan taken out in my name in XXXX 2024 with a company named net credit when I had contacted them I advised them that this account had been fraudulently opened and I was a victim of fraud this occurred on XX/XX/year>2024 I immediately went to my local police department and filed my complaints for the identity theft as well as for my bank accounts. On XX/XX/XXXX I was informed that I could go pick up the report After receiving the police report I immediately contactedXX/XX/XXXXagain and had asked them to remove this from my credit report but now not only did they not remove or at least put a hold on the account they actually sold this account to a debt company that has done nothing but ring my phone all kinds of hours as well as texting me without any consideration for the hours and the inappropriate and unprofessional phone calls
Product: Money transfer, virtual currency, or money service

PayPal banned my account on XX/XX/2023. And, their reason is excessive risks involved in doing business with me. Even if I complied with all their legal documents required. I don't have any disputes nor complaints from my customers until now. My account is more than XXXX XXXX XXXX and I just upgrade it recently to business account when I decided to venture as a freelancer selling web designs, ebooks and web hosting. All my hard earned money underwent XXXX  Day clearing period by PayPal but I don't complain about it. In compliance with there new seller protection program. And now, they are holding my hard earned money amounting to {$370.00} for another XXXX  Days without clear violation on their Terms & Condition. I tried contacting their Customer Service several times and they can not disclose the real reason nor violation of my account. I also tried reaching out via email to their XXXX office but until now they do not respond. 

With that, may I ask your good office for assistance. Thank you very much!
Product: Credit reporting

Experian is reporting information which they claim they 've verified but when confronted about their procedures have failed to provide any further information. On XXXX XXXX, 2016, I disputed a XXXX account. I did not recognize the account nor the information on it. On XXXX XXXX, 2016 they sent me back a report claiming it was verified. So on XXXX XXXX, 2016 I sent a method of verification letter to Experian while at the same time I sent the XXXX XXXX XXXX XXXX a XXXX request ( letter was mailed on XXXX XXXX, 2016 ). I sent the letter Certified to make sure it arrived on time. tracking # XXXX. It has now been more than 25 days since Experian received the letter & over 30 since the XXXX XXXX XXXX XXXX has received theirs. The FCRA has strict rules which apply to the publishing personal information. They claim to have verified the account in question. I challenge them on all their merits. If the facts are accurate & this is truly my account. Then other questions arise ... How does an account display a 90 day late without first publishing a 30 & 60 day late previously to the 90?. This information just on its face is inaccurate & needs to be removed. Additionally, since neither the credit reporting agency ( CRA ) nor the date furnisher ( DF ) have done their due diligence & provided me with any information which substantiates their position then I believe their investigation procedures were flawed. As a consumer the FCRA is in place to eliminate any CRA or DF from not adhering to the law. I believe not one person reviewed my file & just used the automated credit dispute verification ( ACDV ) forms, thus making the possibility of error even greater. I would like this matter resolved immediately as there are severe & gross violations taking place with my report. And this matter has caused me great emotional & now financial stress. Please remove this item from my report at once ...
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/2024 and noticed some things are incomplete and not accurate and they need to be delete asap idk what the XXXX you guys are reporting. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These addresses XXXX XXXX XXXX XXXX michigan is not correct information delete this XXXX off my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX Iowa XXXX, Iowa XXXX XXXX XXXX Disputing Identity Theft Report XXXX Dear Sir/Madam, I am writing to dispute accounts that were opened onder my name. My personal information has been compromised, resulting in fraudulent accounts appearing on my credit report. I am unaware of and do not recognize the following fraudulent accounts : 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 I have taken immediate action to address this issue by notifying the relevant financial institutions regarding the unauthorized accounts. However, I believe it is essential to escalate this matter further and request a thorough investigation to rectify the situation promptly. 

I kindly request the CFPB 's assistance in investigating the extent of this identity theft and taking appropriate measures to protect my personal and financial information. It is crucial to identify the perpetrators responsible for this fraudulent activity and prevent any further damage to my credit and overall financial well-being. 

Enclosed with this letter, please find supporting documentation, including a copy of my credit report highlighting the fraudulent accounts, a police report numbered XXXX, as well as any other relevant information that may aid in your investigation. 

I am committed to cooperating fully with the CFPB and any other law enforcement agencies involved in this matter. I understand that additional information or documents may be required during the investigation, and I am willing to provide any necessary assistance to resolve this issue promptly. 

Please keep me informed about the progress of this investigation and any actions taken to resolve the fraudulent accounts associated with my identity. I appreciate your attention to this matter and your commitment to consumer protection. 

Thank you for your prompt assistance in resolving this issue. I look forward to a timely resolution. 

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

XXXX  ; Experian and XXXX  are not researching and properly reporting that the following accounts are in fact in dispute. XXXX partial account number XXXX ; XXXX partial account number XXXX ; XXXX partial account number XXXX ; XXXX partial account number XXXX ; and XXXX XXXX partial account number XXXX. ( Please see attached. ) All of the collection accounts listed above are reporting account not disputed on my credit report. I have requested multiple times that these accounts be investigated and put in dispute. This is a violation of the Fair Credit Reporting Act. Under the FCRA I have the right to dispute incomplete and inaccurate information on my credit report. The bureaus are not following through on my requests. I have contacted the bureaus to properly review and dispute these accounts however, I have not been successful. Please report that these accounts are in dispute.
Product: Debt collection

The debt collecting company keeps calling i answer they stay on the line for 5 seconds then hang up an call 3 mins later with a restricted number an leave a voice mail any time i try to talk on the phone they hang up immediately Also this debt shouldn't be a thing the hospital i went to said they charged my insurance an that my insurance wouldn't cover it but I've called my insurance multiple times an asked them about it an they've told me no such charge has gone through so the hospital just didn't bill my insurance even tho I told them multiple times to do so an they just let it go to collections without even trying to charge my insurance
Product: Debt collection

XX/XX/2023 I Reached out to this company by mailing out a Letter to Resolve my issue, I asked Rent Recovery Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector.

Complete accounting of alleged debt.

Commission for debt collector if collection efforts are successful. 
Please provide the name and address of the bonding agent for XXXXXXXX XXXX XXXX
Product: Credit card or prepaid card

A XXXX  card was opened to my name, I did not apply nor use one and I keep getting calls of XXXX XXXXredit card every day. Also a wells fargo credit card i applied to in which i never received the credit card was used in which i keep getting calls of as well. There has also been XXXX accounts with my SSN, i tried to make an XXXX account & it said I had a profile already and i pressed to see what email was used to make it & it was a XXXX account, i dont have a yahoo email nor i made a affirm account. This has happened before when I was smaller someone was using my SSN to work at a Job which I wasnt aware that had happened until now.
Product: Credit reporting or other personal consumer reports

If you continue to disregard my demands for compliant reporting practices, I will consider this letter as an official notice prior to my petition for a writ of review in civil court. As the injured consumer of your inadequate reporting practices, I contest your assumed reporting privileges for any and all of your challenged claims in this consumer complaint. I demand that you demonstrate your compliance with state and federal reporting mandates, including the FCBA, FCRA, ECOA, and any applicable laws in my state. I am concerned that your claims may not adhere to industry standards for legal and ethical reporting, particularly in relation to the Metro 2 Data-filled Field Formatted Reporting Standards, per CDIA.

Upon reviewing my personal consumer credit report, I have noticed questionable and/or inadequately reported data in my file at your company 's office. I am confused as to how and why this information has been populated or repopulated into my credit report profile, and whether or not I received the required XXXXday notice of its return to reporting. Per the FCRA, any item previously removed can not be reinserted into a consumer 's credit report without written notice to the injured consumer within five business days. I have not received such notice, nor have I received any evidence of the accuracy and completeness of your reported claims. Your failure to remove these claims is a violation of my consumer rights and is unjust. 

Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Incorrect Name : - XXXX XXXX XXXX Incorrect Also Known As : - XXXX XXXX Incorrect Also Known As : - XXXX XXXX Incorrect Also Known As : - XXXX, XXXX, XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX NY XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, NY XXXX Incorrect Previous Address : - XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX Employer : - XXXX XXXX Employer : - XXXX Employer : - XXXX XXXX XXXX XXXX XXXX XXXX, NY , Employer : - XXXX XXXXXXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Your agency is in breach of the law ! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've tried to settle this matter several times before to no avail.
Product: Checking or savings account

I made 2 mobile check deposits on XX/XX/2021 with Citibank into my checking account which posted on XX/XX/XXXX and were made available for me to spend. On XX/XX/XXXX, Citibank arbitrarily rescinded my money and charged me insufficient funds fees for using the money from my checks which they cashed. They then held on to my money for and additional 7 days, even after sending a formal letter acknowledging that they had in no way apprised me of these deceptive practices when I gave them my money to open an account with them.