23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Maximum Title Loans will call over and over and over multiple times in the span of minutes. Today they called 3 times in a row and XXXX XXXX, then called my work and left a message with my boss. I have asked them repeatedly not to contact me at work as I am not allowed to have personal calls at work, yet they continue to call me at work. I thought it was illegal to contact someone at their workplace after you have asked them to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

This was paid in full by XXXX XXXX Claim and XXXX XXXX XXXX. The collection company XXXX XXXX placed a new collection on my credit report as if I opened an account. This is deceptive trade practices, and I should be protected as a consumer against this fraudulent reporting on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. I need these items removed right away! 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

These following accounts has been officially discharged under 11 U.S.C. 727, which protects me from any further obligations regarding this debts. As a result, all related accounts must be updated to reflect a Balance of XXXX, Higher Balance of XXXX, Past Due to Never Late, and No Late Payments should be reported to credit agencies. It is critical that these updates are made to ensure compliance with the Bankruptcy Discharge law. 

Any institution that fails to adhere to these regulations will be subject to legal action. This applies to all creditors involved in this matter as well as to any credit reporting agencies that inaccurately report information contrary to the discharge. I expect this situation to be rectified promptly to avoid any further complications. 

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

in accordance with the fair credit reporting act i believe XXXX XXXX XXXX XXXX account XXXX has violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a 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 a open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

There were accounts in my report that does not belong to me, I do not know how they verified it but they did not provide me anything. I sent the letters on XX/XX/2022 and util now I did not receive any response.
Product: Credit reporting, credit repair services, or other personal consumer reports

CREDITOR DISPUTE CREDIT INFORMATION XXXX XXXX CARD I, XXXX XXXX, believes that the account I had with the determined creditor was posted as either a charge off, or has excessive late payments that were deliberately placed after I got involved with XXXX XXXX   XXXX. What happened is that XXXX XXXX XXXX let these accounts go into a charge off status before they came up with a settlement arrangement. Therefore, the charge off status on these accounts were caused from a pre-arranged relationship with XXXX XXXX XXXX and the original creditor and/or debt buyer. This is a collusion business practice where the consumer can not successfully negotiate herself out of debt without a long-term derogatory statement on her credit report. Accordingly, I believe that each creditor must fulfill a fair solution to the creditor arrangement now posted on XXXX, Experian and XXXX XXXX respectively.

1 ) The original creditor must delete the prior-payment history completely.

2 ) A date certain must be stated as to when the credit tradeline can be removed.

3 ) The charge-off status must be deleted permanently.

All creditors maintain a subscriber agreement with the credit reporting agencies. These creditors must comply with all legal guidelines of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act pertaining to credit reporting on all consumers. However, the charge off status was forced by the debt negotiations company, and the late payment excessiveness was by design, not by any action from me personally. Accordingly, I believe the following actions by the original creditor on all credit updates will be fair under the circumstances : 4 ) The original creditor must delete the prior-payment history completely.

5 ) A date certain must be stated as to when the credit tradeline can be removed.

6 ) The charge-off status must be deleted permanently. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Auto Loan XXXX Auto Loan XXXX My Auto Loans were set up to auto-pay on the XXXX XXXX XXXX website . I was doing my payments as set up in their system. Something happened in their system in XX/XX/XXXX. XXXX was skipped completely. There isn't even a statement for any of them. The issue wasn't my unwillingness to pay the bills but the XXXX XXXX XXXX auto pay not working. 
Customer service representatives told me that it is my responsibility to check that my bills are paid, but in the high of COVID when every business was close to closing and it was complete chaos globally, it is tone deaf to not take responsibility for their system not working but instead marking my loan as being late. Furthermore, I have been a customer of XXXX  XXXX XXXX for over a decade and never had a late payment except this. 
They also offered in that month of XXXX deferred payments for 90 days due to covid. Every statement after that doesn't have payments applied, which were made over the phone, since their auto pay stopped working, and I was trying to fix it. After multiple calls and attempts trying to address the issue, they told me that they stopped having the availability to set up the autopay, and instead, I had to set up manually a Bill Pay on their site with a fixed amount that I set myself, which has worked so far. They didn't fix the autopay issue until XX/XX/XXXX, almost a year later, when they sent in the monthly statements notice of the NEW process.
Product: Debt collection

XXXX XXXX XXXX XXXX is threatening me and suing me for a debt that I do not owe. I have never heard of the merchant nor do I have a Contract with them nor are they licensed to collect in the State of Texas. Those are 3 different violations that entitles me to {$5000.00} per Violation If it doesn't get removed off my Credit Report. The State of Limitations in the state of Texas is 6 years & its past that time for them to collect in the state even If they were bonded to collect and it was indeed my Debt. You have 30 Days to remove such Debt or I will be filing a Civil Suit against your entire company and be forced to present yourself in the court of law.
Product: Debt collection

The reasoning for this letter is to dispute account " XXXX '' from the creditor " Santander Consumer USA '' on all three bureaus, XXXX, XXXX, XXXX and cease and desist from their program entirely. I've attempted to remove the collection with the company and they were unable to provide the validation of debt with my signature. 
In addition, the full account number does not report on my credit profile.This violates several codes under the FAIR DEBT COLLECTION ACT. This collection is inaccurate and is negatively impacting my credit profile, it needs to be removed immediately.
Product: Debt collection

Dear Possible Financial Inc, I am writing this to formally dispute the charge-off reported on my credit file for account XXXX. After reviewing my credit report i noticed that this account has been marked off as a charge off, and i believe this information is inaccurate and requires immediate correction. 
According to the Fair Credit Reporting Act ( FCRA ), all reported information must be accurate, verifiable, and fair. I am requesting that you provide the following information. 

1. Proof of the validity of the debt- provide documentation verifying that the debt belongs to me and was accurately charged off. 
2. A detailed payment history- include all transactions and evidence of any payments that may not have been properly applied. 
3.Proof that proper procedures were followed- if the account was reported incorrectly or prematurely charged off, i request that it be corrected or removed. 
If you can not provide proper documentation proving the accuracy of this charge-off, I request that it be immediately deleted from my credit file with all credit reporting agencies. 
Please consider this letter as a formal dispute under the FCRA. I request a written response within 30 days of receipt of this letter. If you fail to provide evidence supporting the validity of this charge-off, I will escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ).
Product: Credit card

I paid off my Wells Fargo credit card in XXXX, 2016. I had a balance of {$0.00} on my next statement. Then, on XXXX/XXXX/16 I received a new alert that my payment had been reversed and I owed {$490.00}, which is my current balance. 

Wells Fargo can not give me a reason for this reversal. I do not currently have the money to make this payment and refuse to pay it again without a good reason why.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to dispute the collection account listed on my credit report by your agency. The accounts in question adversely affected my credit score. This information is reporting as inaccurate. My rights have been violated my rights according to the law by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am aware of my rights under the Fair Debt Collection Practices Act ( FDCPA ), which requires debt collectors to provide written validation of debts upon request. Additionally, the Gramm-Leach-Bliley Act ( GLBA ) mandates that financial institutions obtain written consent before disclosing personal information to third parties. My Rights have been violated under both of these acts. 
I hereby request that you provide written validation of the debt and proof of my authorization for the collection of this debt and the disclosure of my information to third parties. If you are unable to provide this documentation, I insist that the collection account be removed from my credit report immediately. 
By the Fair Credit Reporting act and the Gramm-Leach-Bliley Act ( GLBA ) I exercise my right to opt out of having this information reported on my credit report and would like to remove it. 
My rights have been violated my rights according to the law by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I do not know who this debt collector is, I believe this information was bought without my written consent Violating the law under FDCPA 15 USC 1692 and FDCPA 15 USC Code 1601 where it pertains to charge-off accounts.

The Fair Debt Collection Practices Act ( FDCPA ) grants the right to request written validation of debts from debt collectors, ensuring transparency in debt collection practices. The Gramm-Leach-Bliley Act ( GLBA ) requires financial institutions to obtain your written consent before sharing personal information with third parties, safeguarding privacy.

Here are the laws for reference 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 an account without my written instructions.

Under 15 US Code 1692g ( a ) - Validation of Debt - This information was to be provided within 5 days after the initial communication of the collection and this information has not been provided to me. 
FDCPA 15 USC Code 1601 where it pertains to charge-off accounts.

In addition, the law of Reinsertion was violated under 15 USC 1681i 5 ( B ) ( ii ) The specific section of the GLBA that pertains to the protection of consumer information and the requirement for written consent for sharing information with third parties can be found in Title V of the Act, known as the Privacy provisions. 
According to the GLBA I choose to opt out of having this information shown on my credit report. 
I expect full compliance with the FDCPA and GLBA laws in this matter. 
Thank you for your prompt attention to this request. 
Thank you greatly for your consideration in this matter. 
Sincerely appreciate the understanding. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Some one attempted to deposit a check in my Truist mobile banking from Texas that I dont know anything about I live in XXXX and I didnt authorize any deposit. As of right know the account is closed but the bank is saying that Im responsible for the XXXX negative balance. Ive reported it to the fraud department.
Product: Credit reporting or other personal consumer reports

Transunion has willfully and negilgently continued to deny the block requests of survivors coming from my agency. I have attached a copy of the authorization letter to this correspondence. 


TRANSUNION is declining the request to block information for human trafficking survivors. XXXX XXXX XXXX is an accredited XXXX authorized by the XXXX XXXX Attorney General. I have attached the Authorization Letter to this complaint. These victims and survivors are being deprived of an equitable resolution under the Debt Bondage Repair Act and Transunion is violating FCRA 605C by delaying the process of blocking information within 4 business days. 

Transunion has willfully and negligently continued to deny the block requests of survivors coming from my agency. 

This is an initial demand for resolution before these survivors file a federal lawsuit under FCRA 605C for punitive damages for the harm caused by TRANSUNION LLC.
Product: Credit reporting or other personal consumer reports

Complaint Subject : Dispute of Charge-Off Account Under FCRA Sections 1681b ( 2 ), 1681b ( 5 ), and 611 Your Information : Name : XXXX XXXX XXXX XXXX XXXX Address:XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXX Credit Reporting Agency Name TRANSUNION : XXXX XXXX XXXX Account Number : XXXX Complaint Details : I am filing this complaint because there is a charge-off on my credit report that I believe is inaccurate. I have disputed this charge-off with the credit reporting agency, but it has not been addressed properly in accordance with the Fair Credit Reporting Act ( FCRA ). 
Specifically, the charge-off listed under XXXX XXXX XXXXXXXX is reported as a negative entry, but I dispute its accuracy. I have requested that the credit reporting agency investigate the charge-off under the following sections of the FCRA : XXXX. Section 1681b ( 2 ) This section mandates that all information reported about me must be accurate and reflect the truth. 
XXXX. Section 1681b ( 5 ) This section requires that users of consumer reports ensure that they have a permissible purpose for obtaining and using my credit report and that the information is accurate. The charge-off may have been reported inaccurately due to a lack of proper verification. 
XXXX. Section 611 This section requires that all disputes be investigated and resolved within 30 days, ensuring that inaccurate information is either verified or deleted from the credit report Despite my request, the credit reporting agency has failed to respond in a timely manner, and I have not received a satisfactory resolution. Under Section 1681b ( 2 ), the credit reporting agency is obligated to report only accurate information, and Section 1681b ( 5 ) requires that the information has been reported with a legitimate permissible purpose. Under Section 611, they must complete a full investigation within XXXX  days of my dispute. 
I believe the charge-off is inaccurate for the following reason ( XXXX ) : This information must be verified and evidence of the investigation sent. 
I am requesting that the CFPB assist in ensuring that this charge-off is properly investigated and, if the creditor can not substantiate its accuracy, that it be removed from my credit report. 
Action Requested : Ensure that the charge-off is verified or deleted in compliance with FCRA Sections 1681b ( 2 ), 1681b ( 5 ), and 611.

Ensure that the credit reporting agency conducts a complete and timely investigation into my dispute and resolves the issue as required by the FCRA. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a holder of 2 XXXX XXXX Credit Cards. One was a XXXX XXXX Credit Card that I had for 23 years, the second a XXXX Card. Last XX/XX/XXXX my sister was involved in a very severed car accident and nearly died. At the time I spent several weeks at the hospital attending to her. When I realized that on the XXXX XXXX XXXX account which the terms are pay the full balance at the due date, I missed my XXXX payment with XXXX XXXX and was getting close to the 30 day past due mark, which would affect my credit report. I called the customer service line and I explained the situation that I was involved in, asking for either and extension or a payment plan, as long as I did not have to worry about my credit reporting getting affected, otherwise I could borrow the money from a family member and take care of it. The customer service rep from XXXX XXXX assured me that my credit report would not get affected and in fact I could schedule payments but to try to pay it as quickly as possible. At the time of the call near the end of XXXX XXXX, my balance was nearly {$4500.00}, I advised to him that I could pay {$1000.00} and break the difference in 2 more payment for the next 60 days, with the undersanding that my credit report would not be affected. He insisted that as a good faith I should make a payment for {$1500.00} and make the second payment a small one of {$500.00} to be in the safe side. and the rest could happen after. I agreed on his proposal and went ahead on scheduling 2 payments over the phone for {$1500.00} around XX/XX/XXXX and {$500.00} on XX/XX/XXXX. the difference would be paid in XX/XX/XXXX. Which I did on XX/XX/XXXX were I paid {$2600.00}. A month later I get notified by a credit report alert that not only XXXX XXXX hit my account with a 30 day late payment they also hit it with a 60 day late payment causing my credit score to crash. I called at least 5 times during the month of XXXX, spent several hours, escalated the issue to have those late payments removed from my credit report and was assured in each call that they would look for the recordings and get back to me after an investigation but never did. Time after time, the next call was to report that no one from XXXX XXXX got back to me with the findings of their investigations, and the next call became a new investigation wihtout a resolution. After a year has passed I have called again and their answer was the probably I spoke to customer service representatives located out of the US, and probably they dont understand our laws and that nothing cant be done to over turn the reporting they provided to the credit bureaus. At this time I am reaching out to you to help me try to rectify this injustice about how XXXX XXXX conducts business and how they mislead their customers into believing that everything will be fine as long as we work together. I need those 2 marks remove from my credit report as it is affecting my chances to secure financing for my first home. Please advise as what do I need to do. Thank you
Product: Credit reporting or other personal consumer reports

Im writing to bring to your attention a serious issue regarding my credit report. It appears that an account that doesn't belong to me is being mixed with my credit information. This account actually belongs to someone else and is showing up on my report as if its mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

You have violated 15 USC 1681b. Per 15 USC 1681 b- Permissible purposes of consumer reports ( a ) In general Subject to Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
I, XXXX XXXX, the consumer, DOES NOT give Equifax the consent to report anything on my consumer report. I have never given Equifax the consent to report anything on my consumer report and to use or share my private information, particularly for financial gain, is in itself identity theft. Equifax publishes information on my consumer report for a fee, financial gain, to those who are willing to pay for their services. Pursuant to the statue listed above, it is my written instruction to you to delete the listed accounts below from my credit report. 
You have also violated 15 USC 1681a ( d ) ( 2 ) EXCLUSIONS - Except as provided in paragraph ( 3 ), the term consumer report does NOT include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Checking or savings account

I had a garnishment from the NCDOR for back taxes. I am responsible for that. In XXXX I did not finish my tax return. In XXXX and XXXX I lived and worked in South Carolina and did not file North Carolina taxes. North Carolina DOR garnished my checking account for back taxes during those three years. NCDOR froze my accounts and attempted to garnish my wages. The account has been frozen for four days. NCDOR has informed me that the delay is the result of Wells Fargo. Wells Fargo did not send the money and kept my accounts frozen. I have my daughters attached to my bank account. XXXX XXXX of the NCDOR sent a fax to Wells Fargo on XX/XX/XXXX at XXXXXXXX XXXX to unfreeze my daughter XXXX XXXX 's checking account as she was not a part of the garnishment. They did not. On Wednesday, XX/XX/XXXX, Wells Fargo took the money from my daughters ' account. 
On Wednesday, XX/XX/XXXX I spoke with XXXX XXXX. XXXX XXXX represented herself as the bank manager of Wells Fargo, XXXX XXXX, XXXX XXXX XXXX XXXX refused my request to call the legal department and simply ask them to check their fax machine for the fax from XXXX XXXX XXXX North Carolina Department of Revenue . I must mention that XXXX XXXX XXXX continually cut me off, and would not let me speak. She said she would give me the number to Wells Fargo Legal and her supervisor, XXXX XXXX. She then gave me the number to NCDOR legal and hung up. This is a shortened version of the anguish that Wells Fargo has put me through. All I ask is that the follow the directive of XXXX XXXX, agent for the North Carolina Department of Revenue, and return XXXX XXXX 's money to her checking account and allow her to access it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I downloaded XXXX XXXX yesterday for the first time and I noticed I had several accounts that did not belong to me. So, I decided to pull my report and noticed several accounts that are not mine. CHAPTER XXXX BANKRUPTCY DISHCARGED XXXX {$0.00} XXXX XXXX XXXX {$650.00} XXXX XXXXXXXX XXXX {$360.00} XXXX   XXXX {$180.00} XXXX XXXX XXXX {$290.00}