23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has placed 2 collections on my credit report, for a medical company in Alaska. I live in Texas, not Alaska. I have disputed this several times with both XXXX and Equifax, and was told each time that the information has been verified. This is getting frustrating to the point that if I can't find resolution this time, I'll have no other choice but to file suit against them! All I want is for them to use common sense, as I can't be in Texas and in a medical facility in Alaska at the same time! This is severely affecting my ability to access available credit, so I hope you can help, as no one else seems to care what stress this is causing me.
Product: Debt collection

Nelson Cruz and associates ( NCA ) Has proceeded to continuously call my phone when I answer ( NCA ) never says anything I took upon myself to call ( XXXX ) back and Rep asked who am I trying to reach I spoke with a lady name page XXXX I expressed that XXXX recording this call as it is my right under the ( FDCPA ) Fair debt collection practice act. Page proceeded to XXXX XXXX  I asked for proof to be mailed to me for a debt that the rep of NCA could not tell me what was owed the rep proceeded to say they have sent communication but I have yet to receive anything in the mail she also state and threatened the file had already been processed I asked them to refrain from contacting me any further as this is harassment and also playing on my phone by not speaking when I answered the excessive calls. Please someone just help Im honestly tired of going through identity theft
Product: Checking or savings account

I would like to just speak of three inquiries. I was being assisted by a Representative in the Wells Fargo Business Executive office. In Regard to an account that had been lodged at the bank several years back. I was very grateful for her assistance while in pursuit of the findings. 
When you call the representative back at her office number, the voicemail states that you are calling the " Business-Virtual Channels Executive Office. '' I kindly would like to know if this is the same office as the Wells Fargo Business Account Executive office?? 

Secondly, I would like to highlight just quickly, a strange phenomenon occured while on phone on the Eve of XX/XX/XXXX. As the Representative and I were discussing the past Bussiness account over one and a half hours or so, I noticed the the rep had to take a call that came into her office. Since there had been such time lapse on the account, and all of the things were new including the contact number, the Wells Fargo Rep moved forward in the process of updating. So several minutes elapsed, I then notice an email from my new XXXX Account hosted by XXXX XXXX which posted at XXXX. 
The email stated that if I did not update the recovery phone number on the XXXX account, that there could be someone using the account other than myself. The notice came from an unrecognized device and from an unidentified location. So how did this occur? 

The Rep heard my inquiry with her again, as I had the impetus to ask her kindly again around XXXX if she was the person who went into my XXXX account and added the recovery number. 
As the rep answers no, alas on my XXXX email tied to my business account with Wells Fargo, I see an email populate at XXXX, indicating that my business account phone Pnumber had been changed. This occured after and only after I asked her if she was aware of the XXXX recovery phone update bc I was so unclear and confused. 
If my accounts are closed with Wells Fargo, why am I able to see the emails and correspondence coming in to my account, and even see the correspondence coming in from the bank to me at XXXX Thirdly and lastly I would like to inform Wells Fargo, that recieved some correspondence from them that I was the victim of a scam and unauthorized activity. I have attached the literature.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I conducted an inquiry into my credit report and discovered items that were unverifiable, invalidated, inaccurate, or questionable. Your agency did not ensure that the information it reported was completely 100 % accurate. 
In response to these findings I on XX/XX/2023 created and mailed numerous letters to XXXX, XXXX, and TransUnion requesting these items to be either investigated proving their accuracy or to have them removed due to not being correct. 

However, I have not received anything from them. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S. Code 1681e ( b ) and 15 U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, my wife and I moved to XXXX  from XXXX  for me to start a new job. At that time, we changed the registrations of our leased XXXX XXXX XXXX  and XXXX XXXX XXXX from XXXX  to XXXX. Upon doing this, Honda Financial Services applied " Upfront Tax '' on XX/XX/XXXX for {$1000.00} for the XXXX  and {$620.00} for the XXXX. Before moving to XXXX, this tax was rolled into the monthly lease payments. Honda stated to me that this could not be done. However, we currently have two new Honda leases that did just that in the state of XXXX  this past XXXX, XXXX, XXXX. So this is an accounting and policy choice on the part of Honda Financial. Therefore, their policy choice has lead to a inaccurate reflection of my payment history on my Credit reports. 

In effect, this type of policy " upfront tax '' assessment for my family 's monthly budget was over {$1600.00} unexpected dollars - very few Americans can just find this. When we couldn't pay it immediately, Honda would not spread this over the remainder of the lease ( we asked at the time ). So, we impressively found a way to pay this within 60 days. 

After asking Honda directly on multiple occasions and working with XXXX  to dispute this, Honda still will not choose to reflect this on their reporting of my credit and continues to have those closed Honda leases ( the XXXX XXXX  - Acct : XXXX and the XXXX XXXX  - Acct : XXXX ).
Product: Credit card or prepaid card

colonybrands or Swiss Colony Subsidary coXXXX Montgomery Wards I have been charged late fees on payments that were made to the merchant 4 time between XX/XX/2020.XX/XX/2020. 

the merchant and the financial institution were experience errors errors that was causing the payment to decline, However, the merchant was issuing payment confirmations/validating funds. However the error that was being given was an issue for the Merchant and the bank to resolve ( XXXX XXXX  ) After I realized that the payment had not gone through I reissued the payment, after the second failure I contacted the merchant, only to get bounced around for days, I reissued it again and finally, I was given information that led me to understand the error, I have asked the merchant 4 times to contact the bank and requested a refund of the fee. only to be ignored. I have requested a letter detailing the problem, only to be ignored. the error given was XXXX '' However the both addresses are Identical. This is merchant and bank matter. I need THEM to resolve there system issues and clear my account
Product: Credit reporting or other personal consumer reports

I was aware that I was a victim of ID Theft in XXXXXXXX XXXX XXXX while I was out of the country on a government assignment. I disputed the accounts and have not received an answer with XXXX, Transunion, or XXXX. the following accounts are due to fraud. Please remove. 

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 or other personal consumer reports

I'm sending this complaint to inform AGAIN the XXXX XXXX that I was a victim of Identity Theft. It seems the XXXX XXXX doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is regarding account # XXXX, which you claim my account has 2 late payments. Please update this account to CURRENT AND PAID on all 3 Credit Bureaus ( XXXX XXXX  and XXXX ). I am a XXXX XXXX and this account is affecting my ability to secure a Mortgage and could potentially mess with my XXXX XXXX. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. 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. My reason for disputing is : my contract was current. 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 Fair Debt Collection Practices Act ; 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 {$5000.00} in damages 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 ) You will be required to appear in a court venue local to me, in order to formally defend yourself. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. 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. -- Very Respectfully, XXXX XXXX
Product: Credit reporting

Incorrect address on my Equifax credit report. I have never lived at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Arizona XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/Experian/XXXX XXXX : Credit Reporting Dispute Department Subject : Dispute of Continuously Reported Charge-Off Status on Account Number XXXX. 

Dear XXXX XXXX, I am writing to formally dispute the continued reporting of a charge-off status on my account number XXXX to the credit reporting agencies ( XXXX, Experian, and XXXX ) . Despite this account being charged off, it has been reported with monthly charge-off statuses, which is both inaccurate and misleading. My account number is also listed as last XXXX being XXXX in some instances, and XXXX on others. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., it is illegal for any credit reporting agency to report information that is inaccurate or incomplete. Furthermore, the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., prohibits the use of any false, deceptive, or misleading representation or means in connection with the collection of any debt. The continued reporting of a charge-off status for this account every month as if it is a new negative mark not only violates these statutes but also severely damages my creditworthiness and impacts my way of life.

The persistence of this reporting error has unjustly affected my ability to obtain credit, secure housing, and find employment, causing me significant financial and emotional distress. Given these circumstances, I am demanding the following actions to be taken immediately : 1. A thorough investigation of my claim concerning the account specified.

2. Removal of the inaccurately reported charge-off statuses from my credit reports at all three major credit bureaus ( XXXX, Experian, and XXXX ) XXXX 
3. Written confirmation sent to me upon the correction of my credit reports.

4. A statement detailing the steps taken to ensure such inaccuracies do not recur.

Please understand that if this matter is not resolved promptly and satisfactorily, I am prepared to take further legal action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), and pursuing all available remedies under the FCRA, FDCPA, and any other applicable state laws.

I have attached copies of documents supporting my dispute and expect a response within the statutory timeframe of 30 days upon receipt of this letter.

Thank you for your immediate attention to this serious matter. I hope for a quick and favorable resolution. 

Sincerely, XXXX XXXX XXXX
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.

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

This is bothersome! The Credit Bureaus have kept reporting the fraudulent information on my Credit Report without properly verifying the disputed accounts and information. Under the Fair Credit Reporting Act section 605b, the Credit Reporting Agencies are required to remove any accounts and information that resulted du to identity theft. I have been submitting multiple dispute letters attached with my complete identifying documents as well as the Identity Theft report I received from the FTC. The items I am disputing does not relate to any transactions that I have made or authorized, neither did I allow anyone to use my information to do transactions on my behalf. I am submitting this CFPB Complaint to request that the Credit Reporting Agencies remove the disputed items completely from my Credit report : 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 Balanced Owed : {$660.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. The Credit Reporting Agencies have failed to provide me copies of proof of verification or any documents bearing my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Portfolio Recovery Associates is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Portfolio Recovery Associates the financial institution and the Consumer reporting agencies XXXX and XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX, Portfolio Recovery Associates whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Portfolio Recovery Associates Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit card

I had the Care Credit Credit card since XXXX. I had a Bankruptcy back on XXXX which was a XXXX XXXX, which I paid at least half of it and it has been XXXX. Since then I have opened up accounts that I have no problem 100 % payments in all my credit cards and bills. I dont understand why in the world they will close an account that I have a history for at least XXXX years of payments 100 % with telling me that my Bankruptcy caused my account to be closed since your company sent the information to them they felt that they wanted to close it. This is very unfair because I have done what I need to do to make sure that I started Fresh after and this is totally unacceptable. I have already called them numerous times and they said the information came from XXXX XXXX so therefore they have the right to do this, but I can go ahead and reopen another account now. How on fair is that part all that work that I did went down the drain.
Product: Credit card or prepaid card

On XX/XX/2019 I filed a credit card dispute through my bank for a $XXXX purchase of mentoring services. After filing the dispute, the merchant providing the mentoring services contacted me and we settled on a half refund. I provided the written agreement to the bank to support this claim. A few weeks later the bank informed me that they were deciding in favor of the merchant, claiming to have never received documentation from me regarding the written agreement. I am currently settling the dispute with the merchant in court, but we are unable to move forward because the bank has somehow lost the $XXXX   since the dispute was opened back in XX/XX/XXXX.The bank put a $XXXX credit in my account on XX/XX/XXXX, shortly after I initially filed the dispute. On XX/XX/XXXX, the bank took the $XXXX back out of my account and sent me a letter in the mail a few days later explaining their decision. The merchant is providing documentation from his accountants to support that Huntington Bank did not give him the $XXXX back on XX/XX/XXXX when it was taken out of my account. Several weeks have gone by and despite multiple requests, Huntington has failed to provide any proof that they did in fact put the funds back in the merchant's account. The bank has lost track of this money and is not doing anything to figure out what happened to it. They completely mishandled this dispute.
Product: Credit reporting or other personal consumer reports

Due to the recent data security breach I noticed two fraudulent accounts on my credit report with XXXX, Equifax XXXX XXXX. After further investigation its looks as though 15 USC 1681 was violated. 

XXXX XXXX XXXXXXXX, which aggregates data to provide background checks, has confirmed it suffered a massive data breach involving Social Security numbers and other personal data on millions of Americans. 

The XXXX XXXX, Florida, company posted on its website a notice this week that " there appears to a have been a data security incident that may have involved some of your personal information. The incident is believed to have involved a third-party bad actor that was trying to hack into data in late XX/XX/XXXX, with potential leaks of certain data in XX/XX/XXXX and summer XXXX. '' News about the breach first came from a class action lawsuit filed in U.S. District Court in XXXX XXXX, Florida, and first reported on by XXXX XXXX. Stolen from XXXX XXXX XXXX ( XXXX XXXX were XXXX XXXX records including names, addresses, Social Security numbers and relatives dating back at least three decades, according to law firm XXXX XXXX XXXX XXXX XXXX, which filed the suit.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Account # XXXX po box XXXX XXXX, Wisconsin XXXX XXXX the consumer notifies the debt collector in writing within the tXXXXXXXX period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, feels like my federally protected consumer rights are being violated. The company 's listed assured me that they do not follow the FCRA via telephone communication.