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

Ford Motor Credit Company XXXX XXXX XXXX XXXX XXXX, NE XXXX XX/XX/XXXX & XX/XX/XXXX Date Opened Company named above claims I have paid my balance late. 

Company above appear on my credit report making inaccurate derogatory remarks in violation of the Fair Credit Reporting Act. Inaccurately reporting that I paid monthly payments late. When I did not. 
This company has failed to show, what item or service I owe them for. How or what item or service was purchased or made late payment on. Who purchased the item or service under what name, address, telephone number, social security number, how was the item or service purchased via credit or debit card, cash, money order etc. or any other form of payment. 
I submit that this derogatory remark should and must be removed from my credit report based on the following : 1. above company has reported and has continued to report such derogatory remarks without a license to collect or operate in my current home state, my current address ; 2. above company has reported and has continued to report such derogatory remarks without having a signed and authorized document from me as doing business with them. Or hiring or soliciting their services or purchasing their products/items ; 3. above company has reported and has continued to report such derogatory remarks by purchasing a alleged debt I owed to another company or business/provider, without my consent ; 4. above company has reported and has continued to report such derogatory remarks without notifying me at my address or by phone to make me aware of such debt. Thus failed to do so.
Product: Credit reporting or other personal consumer reports

Please remove this medical collections as this is not mine!
Product: Credit card or prepaid card

I had applied for a Wells Fargo Bilt credit card XXXX ( around the XXXX ) of this year. I was soon after informed that my application was denied and I very recently received a letter stating the reasons for the denial. I did not agree with the reasons so I called them again and I was told your application would be re-evaluated. Within the next 5-10 min, I received another email saying my application was denied. I happened to get my free annual credit report from XXXX today and was cross-checking the facts in order to check if there's something wrong which might have caused the denial, which wasnt the case. I immediately called Wells Fargo to address this on the XXXX of XXXX, I talked to someone from the customer service team and on further exchange and request, she forwarded me to the escalation team. I talked to them for a good 20 minutes but in vain. I explained how each of the reasons provided in their letter to me wasn't true and did not stand ground and I requested an explanation from them regarding the same. I was repeatedly told that they do not make the application decision and it's XXXX that actually does it and its them whom I should be calling instead of them for any information. I told them that's not how it should work and that XXXX only provides the reports to lenders, based on which each lender makes their own decision but again I was dismissed by saying that they don't handle the decisions and they can not answer my questions. I then called XXXX hoping for some clarity but as expected they said the same thing that I had assumed, they just provide the reports. It should be Wells Fargo that makes these application decisions and that they can't answer my queries for me. Wells Fargo has been absolutely oblivious and have acted in the most unaccountable and unprofessional manner in the way they have behaved with processing my Bilt credit card application. I have good credit and have never defaulted on any payments, I have 4 credit cards and a healthy auto loan as well. I just wanted the Bilt credit card for benefits on rent payments, but this has been a cumbersome experience and I know for a fact this has happened to other people too. Please advise on how I can get more clarity on the denial of my application where I completely disagree with the reasons provided. I have provided my XXXX credit report as an attachment as well.
Product: Debt collection

I paid half of the total amount owed as agreed between myself and the original creditor. They agreed this about would 100 % settle the debt. They took my payment then several months later placed the derogatory information on my credit and added approximately {$1000.00} in fees.
Product: Debt collection

They ( the original creditors ) refused to provide the original resciepts for me to keep for my records and to make sure they are n't over charging me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

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.
Product: Debt collection

I received a call at XXXX XXXX. on XX/XX/ 2019 from a very brusque-mannered man who threatened that my rental and credit history would be RUINED because I refused to provide personal information. He said he was " notating my file as a refusal to pay '' when I advised that I would not be giving any personal information to a stranger by phone because I've been a victim of identity theft. I never said anything about refusing to pay ; nor did I acknowledge whatever the debt was that he was speaking of. I was threatened about my credit and rental history regardless by the collections representative. My FDCPA rights were violated.
Product: Credit card or prepaid card

On XX/XX/2019 I applied for a XXXX Business Store Card for my company XXXX XXXX XXXX XXXX. The application came back as a decline. On XX/XX/2019 I called into XXXX Underwriting and spoke with a representative about my application. I requested a reconsideration of that application. The representative from the credit department said they could not rereview the application until I received the decline letter in the mail explaining the reasons for the decline of the application. I waited patiently until XX/XX/2019 to receive the letter in the mail. On XX/XX/2019 I called into the business credit department to ask for a reconsideration of the my application as the letter only stated the decline reasons were " credit history of personal guarantor ''. I spoke with XXXX and he put me on hold. XXXX came back after a couple of minutes and said he tried really really hard because I have a good credit score and credit history to approve my application but unfortunately he was not able to. When I asked why, he said for the reasons listed on the decline letter, which is confusing as it does not provide detail. Being that he could not explain the decline reason and told me my credit score was good and my credit history was good, I asked to speak to a supervisor. The supervisor XXXX XXXX indicated that nothing could be done because I had to call in within 24 hours of applying for the business card for them to manually review. I explained to XXXX that I called in within 1 hour of applying for the business card and one of her employee 's instructed me that I had to wait until I got the letter to request a reconsideration. XXXX then said " even if you called in within 24 hours it doesn't mean you would get approved ''. I asked her what my options were at this point. She said I could dispute the decline or apply again. I asked her how I would dispute the decline. She said I would have to get an attorney to dispute the decline. When I asked her who the attorney would contact to do the dispute, she indicated that the attorney would know all of that. Essentially indicating that I would have to get an attorney to sue Synchrony to dispute the application, which does not seem right. She just kept telling me to get an attorney.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I hereby give your company notice pursuant 15 USC 1602 ( k ) that your company never provided an adequate notice which clearly & conspicuously mentions the pertinent facts of this transaction. Your company did even inform about the Cost of Credit and the only evidence of the indebtedness was just a computer-generated agreement. 

According to 15 USC 1602 ( K ), the term " adequate notice '' means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Such noticed may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder.

Since adequate notice was not given as per the above-mentioned section, I couldn't understand its meaning which is violation under 15 USC 1602 ( k ).

Further, pursuant to 15 USC 1601 ( a ) a consumer must be aware of the cost of transaction. Since i was not aware of the transaction therefore made uninformed decision and it resulted in multiple billing errors, and unfair credit card practices. 

I hereby request you do the below mentioned things, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DELETE. THESE LATE PAYMENTS IN PURSUANT TO 15USC 1681a ( d ) ( 2 ) ( i ) From your end, I have not benefited from this transaction which is again violation of 15 USC 1602 ( p ).

According to 15 USC 1602 ( p ), the term " unauthorized use '' means a use of a credit by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. 

I hereby request you to do the below -mentioned things, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX DELETE THESE ACCOUNT OFF MY REPORT AND VALIDATE THE DEBT 15 USC 1692G ( 4 ) If you accept my request, i will not escalate this matter to Federal Court. in case, you dont accept the above request, a legal action shall be taken against your your Company for compensatory damages. 

Thank you for your attention to this matter. 

Sincerely XXXX XXXX All Right Reserved Without Prejudice.
Product: Credit card or prepaid card

I was under contract on condition of peonage and experienced bank fraud, mail fraud, identity theft. I discovered what was happening and tried to dispute my claim but the bank deprived me of my rights under XXXX of law. I sent a civil complaint to the attorney general as other banks including this one are involved. I am giving the bank the opportunity to view my civil complaint and to remedy the damages that were done and to return all funds to me. I am still being extorted for counterfeit debt and my financial assets are drained. This is a controversy and conspiracy of authorized agents being complicit in active fraud and not helping consumers. They do not know the law and the rights of a consumer and need to be investigated.
Product: Credit reporting or other personal consumer reports

Dear Dispute of Inaccurate Late Payment Reporting - Account Reference XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subiet : Request for inacurete late payments base on FCRA

sp ecifically 15 USC 1681. I Am Writing To Dispute The Inaccurate Reporting Of Late Payments On My Credit Report, Specifically Concerning The Accounts Referenced With XXXX XXXX XXXX XXXX XXXX Upon Thorough Review, I Have Identified Discrepancies In The Reporting, And It Appeary That There May Be A Violation Of The Fair Credit Reporting Act ( Ecra ) As Ouflined In 15 US.C. {$1600.00}. The Reported Late Payments On The Aforementioned Accounts Are Inconsistent With My Payment History. To The Best Of My Knowledge And Records, I Have Consistently Paid These Accounts On Time, In Accordance With The Agreed-Upon Terms Reference To PAANL ( Paid As Agreed, Never Late ) : The Termy Of Our Agreement Have Always Been Adhered To, And The Accounts In Question Should Reflect A Status Of " Paid As Agreed, Never
Product: Credit reporting

XX/XX/XXXX : I requested my free annual credit report online from Equifax , XXXX and XXXX. I was asked security questions for proof of identity and it did n't match some information currently on file. ( This was also the case in a previous request in XX/XX/XXXX where that ended up in a dispute with Equifax where they had incorrect identity information along with other disputed credit information. ) The XXXX XXXX XXXX ( XXXX ) requested a hard copy request for the annual reports and hard copy proof of my identity. 
XXXX/XXXX/XXXX : I mailed ( certified mail ) the documentation requested by XXXX and it was available to them on XXXX XXXX, XXXX at XXXX. 
XX/XX/XXXX I received my annual reports from XXXX and XXXX, but none from Equifax. 
XXXX/XXXX/XXXX : I received a letter ( written XXXX/XXXX/XXXX ) from Equifax Information Services LLC which asked for the same hard copy proof of identity information provided to XXXX to be sent to their provided address in XXXX, GA. 
XXXX/XXXX/XXXX : I mailed ( certified mail ) the documentation requested by Equifax and it was available to them on XXXX/XXXX/XXXX at XXXX. I never received any reply from Equifax by any method. 
XXXX/XXXX/XXXX : Since there was a chance that lightning destroyed Equifax 's mail receptacle with my letter in it, I wrote another letter and included the requested documentation and mailed ( certified mail ) it to Equifax on XXXX/XXXX/XXXX. That letter and documentation was available to them on XX/XX/XXXX at XXXX. In that letter I added an Important Note stating that if my request is again ignored I will consider that I have exhausted all avenues and will submit a complaint. 

After a very long wait and no activity by Equifax , I am submitting this complaint to CFPB. 

Hard copies of any of the above referenced documents are available upon request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in numerous disputes referencing the inaccurate information on my Student Loan accounts, but the credit bureaus refuse to properly investigate this matter. I informed them that Section 63 of FCRA was enacted precisely to prevent inaccurate or outdated information. It was intended to impose a duty on furnishers of information and Credit Bureaus to update information that is being reported. Pursuant to Section 623 ( a ) ( 2 ) a duty to correct and update information. XXXX XXXX XXXX current records show that the periods that were initially reported as delinquent are no longer delinquent due to my accounts being in forbearance starting XX/XX/XXXX to XX/XX/XXXX. The payments are now, as a matter of fact, CURRENT during the previous delinquent periods ofXX/XX/XXXX thru XX/XX/XXXX. XXXX XXXX can't say " oh by the way he was late at one point. '' That is contrary to the code which imposes a duty to update information. The fact that at one point information existed that is NO LONGER current runs contrary to Section 623 ( a ) ( 2 ) and its requirement to provide current and updated information. The Credit Bureaus must report what the current record shows. The current records will show that I am up to date on all of my payments, including those dates previously delinquent.
Product: Debt collection

On around XXXX XXXX the manager of my job brought in an envelope with garnishment papers. A company by the name of Velocity Investments has purchased an old debt an garnished my wages. I then attempted to contact the person who was suing me. I reached out via phone to XXXX XXXX to see if the garnishment could be stopped, XXXX XXXX proceeded to tell me that he would not work with me and then hung the phone up in my face. I then began to send emails only to be in contact with XXXX who then told me that he was the only person who could make any decisions on my issues. After going back and forth with XXXX XXXX and begging him not to garnish my wages he then proceeded to contact me three days later to ask for XXXX and then he would work out a payment plan. After explaining to XXXX XXXX I could not afford that amount, he told me that was the best he could do and good luck. The original debt was XXXX but after court cost and other fees I am now paying XXXX to someone whom I never had any contact with, I never gave anyone permission to give my name, address ( Which is incorrect ) and this is why I have never received anything from XXXX XXXX or his company. XXXX XXXX is now taking 25 % of my wages and it is hurting me because the cost of living is high and that amount every payday is hurting me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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: Debt collection

How can they expect me to pay a bill when I 'm not working and no income.And they sending me letters in the mail and calling me from block numbers.I want them to stop bothering me about this old bill.
Product: Student loan

To Whom It May Concern : After the discharge of my bankruptcy in XX/XX/XXXX, I received paperwork and phonically from Navient reporting I was past due on my account. This was an account I was not aware even existed. They assured me it belonged to me and that they were the holders of a student loan debit and would be servicing the account. Little information was provided to me and I should have probed further at that time, but I went ahead and assumed it to be my responsibility. As a result I have been making monthly on time payments to the loan since then ( XXXX XXXX ) In the past several weeks I have been gathering information for all of my student loans ( interest rate, estimated payoff date ) for the consideration of consolidation and refinancing. This of course includes the above loan with Navient. 

While digging through the different tabs on Navients website, I discovered this loan was dispersed to a institution ( XXXX XXXX XXXX XXXX California ) I have never attended nor applied to with a disbursement date of almost 10 years ago! I quickly got on the phone with the company who transferred me to the fraud department. I spoke with " XXXX '' who confirmed that I indeed never attended that university. Unfortunately he could provide no further information on the loan and advised me to complete an ID Theft Affidavit. 

On Sunday XX/XX/XXXX I faxed 16 pages worth of personal information to Navient for my theft affidavit. This included social security cards, drivers licenses and passports. After three phone calls they confirmed yesterday that they did not receive my information nor could they speak to where it might be. The fax number was confirmed to be correct and the first page of the affidavit offers to reassure customers that personal security is important and my information would be protected. When asked to speak to a manager I was told no one was available. This is a recurrent theme with Navient where no one answers or you are prompted to leave a message and no one returns the call. 

I again spoke with " XXXX '' yesterday who provided another fax number and another mailing address ( from the original that came with the original fax number ). No sense of concern at all for this pertinent missing personal information was communicated. So now I I have had to freeze my credit which required a fee in my state and pay to notarize paper work for the purpose of the affidavit and continue to pay a loan that was issued to a school I never attended.
Product: Checking or savings account

Several weeks ago, I subscribed to text alerts through United Bank of WV. The reason for this is I manage an additional property and 2 bank accounts ( they are connected ). At times, I may be too busy to check my statement every day and if low transfer money, so I signed up for the text alerts. Please be aware, I have not had excessive check charges, or low balances in the past few years. Every XXXX I receive a text alert showing my balance. On XXXX XXXXXX/XX/XXXX, several transactions cleared my account, leaving it with a low balance. I did not receive a text alert on XXXX XXXXXX/XX/XXXX at all. If I had of, I would have made an instant transfer to cover the amount. When I checked on my own on XXXX XXXX, I noticed I was overdrawn and immediately made an instant transfer. I called the XXXX branch and the manager, XXXX, told me it was my fault for not checking my balance and the text alerts were often not accurate. I send the bank president an email. No response. My complaints are : 1. Text alerts are offered as a convenience, they should be accurate. They are deceitful to the consumer if they are not accurate. 2. There is no disclaimer on the text alerts page stating the text alerts are not always accurate. 3. If banking practices take place all day, why are the text alerts sent out at XXXX or XXXX XXXX? Once again, deceitful to the consumer. 4. United Bank has a history of bad banking practices, for example, they used to rearrange checks to cause customers to be overdrawn. This was settled in court and the were ordered to stop. I feel like this is another bad banking practice by United Bank of WV and they know they are making money from check charges. Although I plan to open an account at a different bank, I am asking my check charge be refunded and that they add a disclaimer to their alerts page stating they are not accurate. I am not sure if they know the meaning of the term " alert, '' but they do know deceit.
Product: Debt collection

I first contacted Portfolio Recovery in XXXX, XXXX to dispute this account because I never received notice of this account being placed with them, which is a violation of the FDCPA, and furnishing this information to ANY credit reporting agency. Portfolio Recovery and I, the consumer in this transaction, never had any business dealings or contract. XXXX XXXX, whom is said to be the original creditor, stated in their terms and conditions, that they would not sell my information to any third parties, and Portfolio Recovery is a third party that has violated my federally protected rights. 

I requested documentary evidence as it relates to IRS publication XXXX, that I owe Portfolio Recovery this debt. I also requested proof of authorization that this company is able to collect on this debt. None of the requested information was supplied by the company.
Product: Credit card

My Barclay 's account was accessed by fraud. I was notified that there were charges that were verified by me to be false. Charges were made on the XXXX XXXX. I live on the XXXX XXXX. I was assured these charges would be not accepted and multiple new cards were issued because the individual ( s ) tried multiple times to continue to change the address and access my account. After multiple times and notification mailed the charges were not charged and the amount credited to my account, the account kept being compromised. I decided to close the account and was assured there was no balance on the account. Since then, Barclays is claiming there is a balance no matter how many calls and assurances that this fraud was taken care of. They have since turned my account over to a debt collector.