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

This letter is regarding account # XXXX, which you claim I owe {$1200.00}. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 


P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

In 2017-Directly after Hurricane Harvey I was unable to work for a couple months. Since I was a victim of a natural disaster Capital One offered me a temporary payment relief plan. I fulfilled my end and paid it all current directly after it was over. Capital One placed 1 month of 30 days late and 3 months 60 days late on my credit report. I have disputed this multiple times and I receive a letter stating Capital One does not remove negative remarks from your credit report as a customer service. I dont want it removed as a customer service-I want it removed because it is wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was contacted by XXXX XXXXl located at XXXX XXXX XXXX, XXXX, SC XXXX by phone ( XXXX ) XXXX on XX/XX/XXXX of 2021. XXXX, was on the phone asking me for some personal information to verify my identity before we spoke about a loan I had with XXXX XXXX. I told XXXX that I would not give her my personal information, because I did not have a loan with XXXX XXXX. XXXX began to explain to me that a live check that was sent to my mother 's address was signed and cashed. I told XXXX I was be in her office the same day to get a copy of this XXXX  XXXX and go about getting this fraud issue fixed. 

When I arrived at the XXXX XXXX location in XXXX, XXXX printed a copy of the signed and cashed check. On the back of the check where one would sign, there were also lines for my social security number and date of birth. There were only 4 numbers in the Social Security line and none of the numbers matched mine and I brought my Social Security card and State ID to prove it. The date of birth was not even filled out. The signature looked nothing like mine at all. 

I was told I would be responsible for this loan unless I could prove who did cash the check and the only way to do this is to file a police report. I asked if they could tell me what bank it was even cashed at and they told me they had no way of knowing that information. 

I since have contacted all three credit bureaus. XXXX  and XXXX  have taken the negative information off of my reports, but Transunion has failed to do so even after two appeals with all the documents to back my case up. Transunion has told me that I must make an FTC report in order to have my case looked into again. 

I have been receiving two calls and 1 voicemail Monday through Friday about this loan.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX :
Product: Credit reporting or other personal consumer reports

told XXXX, XXXX, and Equifax to reinvestigate these accounts. 
account name ; XXXX finance account number # XXXX account name XXXX XXXX  account number # XXXX account name XXXX XXXX account number # XXXX account name XXXX XXXXXXXX XXXX  bank account # XXXX account name XXXXXXXX XXXX XXXX  account # XXXX They stated everything was completed and accurate. 
but how is that if the open date, date of last activity and much more is incorrect. 
According to 15 U.S.C 1681i ( 5 ), they are supposed to modify accounts that aren't reporting to the agency correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any customer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not have the date, but when I recently called the phone number in the letter from Santander Consumer USA, the representative could not tell me why my credit was run without my permission as evidenced in my XXXX   credit report. After writing XXXX, the item has been removed but I want to file a complaint for this should not have happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I received a notice from XXXX XXXX that there was a new hard inquiry on my Equifax credit report from XXXX. I did not apply for any credit at that time. On or about XX/XX/2019 I called XXXX and informed them. I was transferred to there " security '' section. They informed me that an application was submitted in my name, but the information submitted didn't match mine. They considered it a fraudulent application and denied the credit. They also informed me they would submit to have the inquiry removed from my Equifax report and put an alert on my account ( I have no account with them ). On XX/XX/2019, another hard inquiry appeared on my Equifax report from XXXX. Again, I contacted them ( spoke with XXXX ) and informed them I had not applied for credit. He informed me that again, the information didn't match mine and they considered it fraudulent. I even received a letter from them stating credit was denied because of " Risk of Invalid Identity ''. He informed me that they would resubmit to have the XX/XX/XXXX hard inquiry removed and have the XX/XX/XXXX hard inquiry removed. To date, both hard inquiries remain on my Equifax credit report. I contacted Equifax and was told there was nothing they could do to remove the fraudulent inquiries. I have since put a fraud alert on all three major reporting agencies due to the attempted identity theft.
Product: Student loan

I have a student loan with Wells Fargo. I tried to set up automatic payments greater than the required monthly amount and was told that Wells Fargo does not offer that option. I was advised that I should set up an automatic payment from my bank account and the additional payments would be applied to principal ( as I believe they should be ). The first automatic bill pay from my checking account was made to my student loan with Wells Fargo on XXXX XXXX, 2015 for {$50.00} and the full amount was applied to interest. On the surface to me, this seems like an unfair and deceptive practice on behalf of Wells Fargo. Additionally, the Wells Fargo student loan website ( https : //www.wellsfargo.com/help/faqs/student-loans ) notes customer serivce times of M-F as well as Saturday, but when you call on Saturday you are told to call back during regular business hours between M-F.
Product: Consumer Loan

Account Number : XXXX I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/2010 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Debt collection

I signed up for XXXX XXXX recently, and discovered a derogatory mark only on my XXXX   credit score. It did not appear on XXXX. Credence Resource Management, a company claiming to be a debt collector has an account open for me, claiming I owe {$370.00}, with the original creditor being XXXX XXXX XXXX XXXX. I never received a bill from XXXX XXXX XXXX, and I do not have any affiliation with XXXX XXXX XXXX. My phone service is with XXXX. I called Credence Resource Management and they demanded my personal information ( social security # ) before they would tell me anything about my account. I mistakenly gave it to them and they only told me it was from XXXX XXXX XXXX originally. I told them I am not paying until I see proof from XXXX XXXX XXXX  of this debt. I gave them my mailing address, phone number, and they only sent a bill from Credence Resource Management, and a followup bill claiming a {$170.00} discount on the bill, basically bribing me, using pushy threats again, with no verification from XXXX XXXX XXXX. I researched Credence Resource Management and out of 80 reviews on XXXX, it had nearly 100 % 1 star ratings with nearly every comment saying the company is a total scam, even seeing a comment saying XXXX XXXX XXXX does not work with Credence Resource Management and XXXX XXXX XXXX themselves urge anyone who hears from them to report fraud and not to pay them a dime. I went to a local XXXX XXXX XXXX store and they found no evidence of a debt from me. This derogatory mark is significantly affecting my credit score and I need this problem resolved immediately. I went to my local bank and the branch manager agreed thoroughly this appeared to be fraud based on the lack of credibility Credence Resource Management has as a whole. I disputed this claim through XXXX XXXX already but havent heard anything back yet, and I am attacking this on all fronts especially because of everyone elses experience with this company being identical. I have no doubt this is fraud. Now they are calling every day multiple times a day demanding payment. I have told 3 or 4 of the telephone representatives about my knowledge of their 100 % fraudulence and they just continued to demand my personal info. I received my letters from Credence Resource Management on XX/XX/19. No original dates for debt.
Product: Credit reporting or other personal consumer reports

I attended XXXX XXXX beginning in XX/XX/2006. 

There is a lawsuit against Navient and XXXX XXXX and it was proven that deceived students. Navient is still on my credit as a charge off. I would like to be removed under the laws that were passed recently.
Product: Credit card or prepaid card

On XXXX XXXX XXXX  submitted to Citicard a bill for advertising. I had not signed the contract they sent me. I disputed the charge. Citicard investigated it. I sent them a lengthy explanation of the facts that : XXXX XXXX had sent me two contracts to sign. Neither of which I signed. 
If a company offers a contract for you to sign and you do not sign it, how could Citicard then assume that a legitimate business agreement was effective and in place? I communicated with XXXX at least twice by email and twice verbally that I did not want their product. 
I furnished to Citicard the email record as well as summaries of conversations I had with the representatives at the company. 
Citicard asked me to explain what I had received versus what I expected. I told them I never received anything. To my knowledge there has been no ad run on my behalf. I asked repeatedly for proof that the persons ad which I was taking over was in fact exclusive and was the sole life insurance ad in the respective issues in which that persons ads appeared. I never received those. 
In spite of all this, Citicard ruled in favor of the claimant and honored the charge. 
They then threatened to list my payment as late as follows : ..we may report your account as past due to the consumer reporting agencies listed below if we do not receive the minimum payment by the due date shown on your billing statement.
Product: Debt collection

XXXX, XXXX an amount of {$60000.00} was taken from my account illegally by the State Of Texas for a debt that had been paid for in XXXX to the State of California. State of Texas Returned the funds within 24hrs. I discussed this numerous times with Wells Fargo XXXX and they advised me that since the funds were returned it would be flagged as a fraudulent lien and could not happen again. In XXXX of XXXX, The State Of Texas or an entity within the Government filed a bogus lien again, and this time took {$100000.00} from my account. It caused me great emotional stress and immediate destitute. Release of Lien for State Of California, reference to Account/Case Number for the bogus claim The State Of Texas, was provided and Wells Fargo still failed to protect my funds. I talked to XXXX XXXX and XXXX XXXX and they were rude and not compassionate to the situation at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus refuse to remove the following derogatory remarks after they have been unsuccessful at verifying any of the below. They defy all of the Credit Reporting laws and continue to defame my character as they have experienced data breaches which have compromised my privacy and security. I have just about had it with all that's going on with these bureaus and was advised to reach out to you all prior to litigation. Furthermore the newer law regarding credit laws, The Comprehensive Credit Act of 2020 section 401 specifically states that no items on my credit report for which no agreement / contract has been provided should at all show up on my credit report. However, the bureaus refuse to do anything regarding complying with these laws as well. I've had it and was advised to reach out to you all prior to litigation. 

TransUnion unauthorized Inquiries : XXXX/XXXX, XXXX/XXXX XXXX, XXXX/XXXX XXXX, XXXX/XXXX, XXXX XXXX XXXX XXXX  : Breaks Hippa laws, not mine, no contract, ( ILLEGAL DATA ) falsely reporting about me : XXXX XXXX {$170.00}. I've never entered into agreement with these folks, who are they? Is the data breach what caused this issue? 

XXXX, unauthorized Inquiries : XXXX/XXXX, XXXX/XXXX, XXXX XXXX, XXXX XXXX. There are late payments also reporting for which I've required proof to be shown to me as I do not have on my end anywhere that I paid late for two accounts listed as XXXX XXXX XXXX whether the account was either opened or closed. I had been adamant about providing on time payments. This is a violation of my character which defames me.
Product: Credit reporting or other personal consumer reports

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the XXXX XXXX XXXX XXXX on accuracy and completeness of credit information I am formally writing in XXXX  to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Product: Checking or savings account

Back on XX/XX/XXXX, I had an overdraft fee charge of {$36.00} to my checking account. My understanding of the overdraft agreement with Suntrust bank was that if funds were insufficient Suntrust would simply decline payment, that I would only receive an overdraft charge to my account if I opted in to accept all charges to my account even if I was overdrawn. 

Truist bank purchased Suntrust bank and apparently their overdraft parameters are different from what I agreed to with Suntrust bank. Since XX/XX/XXXX, I have been charged with an abusive amount of overdraft fees ; 11 overdraft fees of {$36.00} totaling {$390.00} in less than 3 weeks ( attachment ) I called the customer service department at Truist explaining that I am unfamiliar with the overdraft policy of Truist, that I was still under the arrangement that I had agreed to with Suntrust. I asked for a courtesy refund of the fees that were triggered by the first overdraft on XX/XX/XXXX. The Truist representative declined.
Product: Consumer Loan

I am a recent college grad and after graduation I met with a credit counselor to discuss how I can build my credit. Surprisingly, I found that there were several pieces of incorrect information on my credit files that did not belong to me. Specifically this Santander Account has a XXXX charge off collection filed on my XXXX and XXXX reports! I have never done business with this company so of course I submitted a dispute. After the dispute was done, it was still on my credit file and I was told that Santander conducted an investigation and " told '' them they had documents to verify that this is my account. I asked the credit bureaus to send me the documentation and of course they told me to contact Santander because they never actually sent them the PROOF. I called Santander 2 times to request these documents that they claim show proof of this account being mine and both times they REFUSED! The representatives were very defensive and rude. I was so amazed at how they could just state that I owe them something without no documentation. I am taking every action possible against this company and a law suit will be next.
Product: Debt collection

I receive numerous calls daily to my cell and work phone from Profit service group Collections agency employee XXXX from phone # XXXX. I have verbalized to her collection agency to not call me or my job and that I cant take calls at my place of employment. Also my account is not in collection with that company. The medical account in question is being paid directly to XXXX XXXX medical billing department. XXXX XXXX have also notified Profit service group collection agency to not call me because my account is being collected in their office and it is not in collection.XXXX states that she will continue to call me no matter what. THIS IS ILLEGAL BECAUSE SHE CONTINUES TO CONSTANTLY HARRASS ME!!!!!!!! I HAVE MY CALL LOGS FROM MY CELL AND JOB AS PROOF OF CALLS I RECEIVE BACK TO BACK. SHE WILL HANG UP AND REDIAL MY NUMBER SEVERAL TIMES. HOW UNPROFESSIONAL IS THAT.
Product: Credit reporting

I just received a credit report from Equifax. I immediately called them to dispute hard inquiries on my credit report that I had not initiated. I informed them that it must be fraud because I had not initiated the inquiries. They informed me that they were not able to take them off and they do not do investigations on inquires. They basically told me that they would have to stay on my credit report for 2 years. The following inquires are on my credit report and I did not initiate them : XXXX, XXXX, XXXX XXXX, US Department of Education, XXXX, XXXX : : XXXX.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my 3 Bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report : XXXX XXXX XXXX XXXX XXXX Balance Owed {$110000.00}
Product: Credit card

Received attached letter from Elan. Letter states the credit is a " Provisional Credit '' that is permanent. The definition of provisional is " arranged or existing for the present, possibly to be changed later. '' So, is this a permanent credit or a credit that can possibly be changed later?????
Product: Credit reporting or other personal consumer reports

First Advantage completed a background check on me for XXXX XXXX  employment and my employment was rejected due to a failed background check. I requested a full copy of the FBI background check4 times and was told someone would all me back and no one has. Information still listed is XXXX XXXX XXXX and occurred in 1989. 

I was refused employment for an outdated offense and both XXXX and first advantage refused to tell me why.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I first reached out to bank manager, XXXX XXXX, after he sent letter threatening to charge me late fees despite the financial hardship I was experiencing due to covid lockdowns and a sudden onset of XXXX  XXXX XXXX and XXXX XXXX later discovered was causing the XXXX  XXXX XXXX. I made many good faith attempts to settle alleged debt with other means. With no luck there, I then asked the bank to validate the alleged debt with an accounting ledger to ensure the alleged debt was actually lawful as I protected by the Federal Government as a Consumer. The bank then reported the charge off and so called late payments to XXXX, XXXX and XXXX. They also hired debt collectors not once, twice but 3 times to harass and threaten me.
Product: Credit reporting or other personal consumer reports

It says I was at fault and not at fault for an accident that occurred on XX/XX/year>. The police report states I was not at fault.
Product: Debt collection

I spoke With rep XXXX on XXXX around XXXX XXXX time. He kept over talking and being aggressive towards me on that phone call. I asked him question 's that he would not let me finish. i asked for manager and XXXX hung up on me. i felt harassed and abused.