23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I paid well over the amount advertised. They took XXXX dollars out of my bank account every week for a long time after I realized I've paid more then what I should have I cancel the bank account. I wrote to them explaining that I've overpaid they then told me I agreed to pay interest which I never did and asked them to stop reporting negative false information. They closed the account then reopened and tried to take money out of my bank multiple times. I've tried to ask them to provide me with a valid signature from me agreeing to pay interest. The claim I owed XXXX dollars the within 2 months it's over XXXX that's pure insanity.i would please like this dispute to be open so that potential landlords can see I have disputed
Product: Checking or savings account

Madam or Sir, I am writing to you because the attitude of the XXXX bank WELLS FARGO is unacceptable. 

Foreign customer of this bank for 10 years and owning a property in XXXX XXXX, Florida my XXXX Checking and savings accounts were closed by the bank on XXXX XXXX and XXXX XX/XX/2022. 
I do not dispute the closures of accounts of new regulations in the XXXX however after 2 months I have still not received from the Bank the cheques corresponding to the amounts I had on these 2 accounts/ checking account + XXXX USD and Saving XXXX USD I call every week customer service either no answer or no answer to my questions. 
I sent complaints through the message center on Wells Fargo website, I received responses but no information about my money and when I suppose to return back the money yet while in the XXXX in XX/XX/2022 I went to my agency and we contacted the service concerned by phone that said that a check had to be sent to me by XXXX  within 15 days. 
It is impossible to reach by telephone the Exception Payments Dpt at the number gave by the customer service XXXX XXXX XXXXXXXX XXXX months after nothing, it is unacceptable that a bank does not give its money to a customer please tell me what procedure to put in place to recover my money. 

Cordially
Product: Credit reporting or other personal consumer reports

Unauthorized Inquiries that was not made by me. 
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 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 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 XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed XXXX XXXX XXXX several times on my credit reports. It continues to be removed and shows back up. I have written letters and done online disputes and it still continues to be deleted then reappears. The first deletion was in XXXX 2017 and the second deletion was in XXXX 2017. I have not received any signed verifiable documentation as I have requested several times.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. 

The account in question is listed as follows : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date of Charge-Off : XX/XX/XXXX It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. XXXX is reporting recent balances of XX/XX/XXXX {$34000.00}, XX/XX/XXXX {$33000.00}, XX/XX/XXXX {$34000.00}, XX/XX/XXXX {$34000.00}, XX/XX/XXXX {$34000.00}, XXXX XXXX {$34000.00}, XX/XX/XXXX {$35000.00}, XX/XX/XXXX {$34.00}, XXXX. According to the Fair Credit Reporting Act ( FCRA ), Arizona Consumer Fraud Act ( XXXX XXXXXXXX ) negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 

The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score. Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper. I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections. Thank you for your prompt attention to this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX Balance : {$560.00}, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Back on XX/XX/XXXX I sent all the bureaus supporting documents in regards to accounts being fraud and not belonging to me due to identity theft/fraud. I am a victim of this and the bureaus have still kept an account that does not belong to me on my files. It needs to be removed asap. Also there is a XXXX XXXX account that has me listed as a n authorized user. When I called the company to remove me they said they had done so but it is still showing up. it needs to be removed. I did not authorize these companies to furnish this information at all Per 15 usc 1681b. The account in question is the XXXX XXXX card. and XXXX XXXX card
Product: Debt collection

I understand the importance of removing any incorrect information from mXXXX XXXX XXXX  according to FCRA XXXX. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Product: Credit reporting or other personal consumer reports

15 U.S Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of the receipt. It has been 30 days and you are in violation of this law because i am a victim of identity theft. Please delete these items immediately XXXX XXXX  account # XXXX XXXX  XXXX account # XXXX XXXX XXXX account # XXXX XXXX account # XXXX XXXX  XXXX account # XXXX These accounts should not be furnished on my consumer report as they are in violation under, 15 U.s Code 1681b- Permissible purposes of consumer reports ( a ) in General 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 instruction of the consumer to whom it relates. I never gave any consumer reporting agency written instructions to report anything on my consumer report which violates my rights. No Consent is identity theft. As a consumer i am demanding the deletion of the accounts listed immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my next stop to get the corrections needed on my credit report. About 4 letters and 2 phone calls each have resulted in no corrections so far from XXXX, Transunion, and XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX have been opened and used by someone either using my name or the bureaus randomly applied this to my credit file. There have been so many inaccuracies going on its is hard to tell if this is all a scam or what. What I do know is that I have to give permission for them to provide, list or report anything on my credit report. If no said permission is given then each company including the bureaus are in violation of the law per 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the immediate removal of fraudulent accounts from my credit report. This dispute stems from a case of identity theft, for which I have filed a formal report. Additionally, I have contacted the banks associated with the fraudulent accounts. The banks have acknowledged the identity theft report 's authenticity and identified a potential system glitch that has hindered access to the records. They have assured me of the prompt removal of the fraudulent accounts, which has been erroneously present on my report for over five years. But somehow, these fraudulent accounts are still existing on my reoprt under your bureau and I'm wondering what kind of verification process have you done. Please delete the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am sending this complaint to request that the account which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file.The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$0.00} Please confirm the information shown in this account is 100 % accurate or CORRECT this account information from my credit report because I believe it may be erroneous.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several letters to BOTH credit bureausXXXX XXXX XXXX TransUnion disputing this Account with ( XXXX  ) - name as reported to my credit report. They keep sending me a letter that this account was verified but have failed to explain WHY, WHO, & WHEN. ( DEBT VALIDATION ) They have failed to present me with proper documents that show their method of verification. They have also failed to show me original documents bearing my signature with this account. 

This account also shows a few incorrect information such as the ''date opened '', ''account status '', ''dispute status '' and ''date of last activity ''. THIS ACCOUNT NUMBER IS ALSO INCOMPLETELY REPORTED FROM BOTH CREDIT BUREAUS. This account is also in VIOLATION of XXXX XXXX Compliance because THIS ACCOUNT IS ALSO REPORTING INCORRECTLY & ALOT OF FIELDS ARE BLANK & MISSING INFORMATION SUCH AS : ''Last Verified '', ''CLOSED DATE '', and MANY OTHERS. 

In addition, I have been sending dispute letters to these bureaus and they have FAILED to update the ''dispute status '' of this account in the comment section. 

BOTH credit bureaus are reporting DIFFERENT INFORMATION on this SAME account which is ALSO against my consumer rights. According to the FRCA consumer reporting, agencies must correct or delete inaccurate, incomplete, or unverifiable information. If this INCOMPLETE, UNVERIFIABLE, UNFAIR, and INACCURATE information is not deleted in 30 days I will be visiting my local small claims court to begin the process of a Lawsuit against BOTH credit bureaus and ( XXXX ). I expect to receive an updated credit report within the next 30 days showing that this account has been DELETED.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Have had a XXXX XXXX account since XX/XX/XXXX. Have never had a late payment. Father was primary contact on card until deceased on XX/XX/XXXX. No problems until XX/XX/XXXX. I requested to become primary contact on account. Was given a form to fill out, which I did and returned to XXXX. Was then told I filled out incorrectly, so I requested it to be sent back to me to be corrected by email. XXXX agreed to do that & send it by regular mail. I didn't receive either email or regular mail. 

XXXX then cancelled the whole account on XX/XX/XXXX due to not receiving their KYC form back. When I called to explain situation & get account back active I was told multiple times that wasn't an option. The best scenario they gave me was to re-apply for a new account. 

I'm fine with having to do that or get a different card company to give me an account, but we had XXXX rewards points to redeem. XXXX will not honor those points as they stated the account was closed, not due to non-payment, and could not honor the request. 

Being delinquent, lying on an application, or just wrong on how to operate business is grounds for termination with cause. This is not that scenario.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XX/XX/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 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 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
Product: Checking or savings account

I initiated an XXXX transfer of {$16000.00} from my XXXX XXXX checking account to a savings account at Ally Bank on XX/XX/XXXX. The funds were withdrawn by Ally Bank from my XXXXXXXX XXXX account on XX/XX/XXXX, with the scheduled deposit date set for XX/XX/XXXX. However, before the deposit could be completed, Ally Bank closed the savings account on XX/XX/XXXX, due to inactivity, as part of their XXXX policy. 

As a result of the account closure, the {$16000.00} never posted to the Ally savings account, and the funds remain unaccounted for. Despite initiating the withdrawal, Ally Bank claims they do not have the funds and directed me to dispute the transaction with XXXX Bank. Following their advice, I contacted XXXXXXXX XXXX on XX/XX/XXXX, to file an incomplete XXXX transfer dispute and promptly signed the necessary XXXX documentation on the same day. 

I have since spoken with multiple representatives and a supervisor at Ally Bank, all of whom maintained that the funds are not in their possession, despite the withdrawal originating from their system. On XX/XX/XXXX, I called Ally Bank to request the dates of the original debit and its trace ID, as well as the date of the reversal and its corresponding trace ID for the {$16000.00} transaction. I needed this information to verify that Ally had returned the funds to my XXXX XXXX checking account. On XX/XX/XXXX, I provided XXXXXXXX XXXX with both the original debit trace ID and the reversal trace ID that Ally had given me. XXXX informed me that the reversal trace ID does not exist in their system, and they have no record of Ally ever returning the funds. They only have a record of the original withdrawal of {$16000.00} from my XXXX checking account on XX/XX/XXXX by Ally. According to XXXX, if Ally had actually sent the money back, it would have already been deposited into my account. However, this has not occurred. 

This issue has now persisted for XXXX weeks, during which time I have repeatedly sought answers and resolution. I have also come across numerous forums online of other Ally Bank customers experiencing similar issues involving XXXX transfers and closed accounts, pointing to a broader pattern of mismanagement. While Ally may use a third-party processor for transfers, this does not absolve them of their responsibility to ensure the proper handling of my funds. 

The timeline of events is as follows : XX/XX/XXXX : I initiated the transfer request. 
XX/XX/XXXX : Ally Bank withdrew the {$16000.00} from my XXXX XXXX checking account. 
XX/XX/XXXX : Ally Bank closed the savings account. 
XX/XX/XXXX : The scheduled deposit date, but the funds never posted. 
XX/XX/XXXX : I filed a dispute with XXXX XXXX and signed the XXXX document. 

This is a clear failure on Ally Banks part to handle my funds appropriately. I request immediate action to locate and return the {$16000.00} to my XXXX XXXX account. The ongoing delay is unacceptable, and Ally Bank must take accountability for resolving this matter promptly.
Product: Debt collection

Some one used my information to obtain XXXX in credit from XXXX XXXX XXXX. I am a XXXX XXXX XXXX senior citizen, and do not have XXXX XXXX XXXX phone service. This claim is submitted to my credit report earlier this year and was removed by XXXX. Then it was sold by the credit company to RADIUS GLOBAL SOLUTION and put back on my credit report. My credit report has a fraud alert on it. I have no idea when this account was opened, but I am not going to sit back and be taken advantage by criminals that think it is alright to steal from some one. I have filed again with XXXX that this is fraud. And by the way this account was opened XX/XX/year>, XXXX XXXX XXXX never contacted me and I received no mail from them. And now here it is XXXX and this account has been sold and put back on my credit. 
I had no idea this account even existed until it showed up on my credit report.
Product: Credit reporting or other personal consumer reports

I am lodging a formal complaint to express my concerns regarding the egregious infringements on my rights as a consumer by XXXX, XXXX, and Experian. These entities are blatantly flouting the Fair Credit Reporting Act ( 15 USC 1681 ) and other pertinent laws.

Under 15 USC 1681 section 602 ( a ), it unequivocally states that consumer reporting agencies must fulfill their responsibilities with fairness, impartiality, and reverence for the consumer 's right to privacy. However, the actions of XXXX, XXXX, and Experian starkly contradict this mandate. As a consumer, I possess the unequivocal right, safeguarded by 15 USC 6801, to ensure that my private information is not shared without my explicit consent.

Furthermore, as per 15 USC 1681 section 604 ( a ) ( 2 ), consumer reporting agencies are permitted to furnish a consumer report solely in accordance with the written instructions of the consumer. I want to emphasize that neither the financial institution ( Furnisher of information to credit agencies ) nor the consumer reporting agencies possess my consent to furnish this information, and they decidedly lack my written approval. 

The failure to apprise me of my right to exercise my nondisclosure option, as required by 15 USC 6802 ( b ) ( c ), constitutes a blatant violation of the law. Additionally, the reporting of adverse information without my permission, as outlined in 15 USC 1681C ( a ) ( 5 ), is illegal.

Furthermore, 15 U.S. Code 1681s2 ( a ) ( 1 ) explicitly prohibits the furnishing of inaccurate information to consumer reporting agencies. XXXX and Experian are failing egregiously to uphold reasonable procedures to avoid violations of Section 1681c and to restrict the furnishing of consumer reports to the purposes authorized under Section 1681b.

To compound matters, the neglect to inform me of my right to opt-out, as mandated by 12 CFR 1016.7, accentuates a complete disregard for consumer rights. I am hereby formally exercising my right to opt out of any adverse reporting to my consumer report.

Under 15 USC 1681c ( f ) and relevant statutes, I have explicitly requested that adverse information concerning my credit history or any other consumer reports be excluded from reporting to third parties. This opt-out request is effective immediately, and I expect compliance with this directive.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), Equifax must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

AD ASTRA RECOVERY SERVICE is reporting a fraudulent account I do not owe. also In the state of Georgia Collection of Debt on Account 4 yrs. 9-3-25 According to the FCRA the Time limit begins 180 day after the first delinquent payment FCRA ( c ) Running of reporting period. 6 ) ( 2 ) ( 1 ) In general in paragraphs ( 4 ) and ( of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. ( 2 ) Effective date. Paragraph ( 1 ) shall apply only to items of information added to the file of a consumer on or after the date that is 455 days after the date of enactment of the.