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

It has been a battle going through this and I am submitting this Complaint to delete the following fraudulent information in my Credit file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I therefore request that the Credit Bureaus immediately remove these information from my credit report with your firm pursuant of the FCRA Section 605b. Please delete these items as soon as possible : XXXX XXXX Balance : {$610.00} ; XXXX XXXX Balance : {$2300.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX Balance XXXX {$610.00} ; XXXX XXXX Balance : {$2300.00} ; XXXX  XXXX XXXX Balance : {$370.00} ; XXXX XXXX XXXX XXXX Balance : {$160.00} ; XXXX XXXX XXXX XXXX : {$230.00} ; XXXX XXXX XXXX : {$230.00} ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX, TX XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX.
Product: Debt collection

This debt was settled paid as agreed. They said they would not report this as a collection. This was first reported XX/XX/2018.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ), specifically delineated within 15 USC 1681 section 602 ( a ), it is unequivocally established that consumer reporting agencies are bound to discharge their onerous duties with a strict adherence to principles of fairness, impartiality, and an unwavering reverence for the sanctity of consumers ' privacy rights. Notably, Equifax, XXXX and XXXX stand as quintessential exemplars of such agencies.please remove the following. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX As a diligent steward of my own privacy rights, as enshrined within the purview of 15 USC 6801, it is incumbent upon me to ensure that my confidential information remains safeguarded from unwarranted dissemination. This obligation extends to any entity classified as a financial institution, such as the entity responsible for furnishing information to credit agencies ( henceforth referred to as " ( Furnisher of information to credit agencies ) '' ).

Section 604 ( a ) ( 2 ) of 15 USC 1681 unequivocally underscores that the furnishing of consumer reports must be conducted solely in strict adherence to the express written directives of the concerned consumer. Herein lies the crux of the matter : neither the financial institution, nor the consumer reporting agencies, Equifax, XXXX and XXXX possess the requisite consentneither written nor impliedto furnish my information.

Further fortifying my position, 15 USC 6802 ( b ) ( c ) mandates that financial institutions are duty-bound to elucidate to consumers their right to exercise the option of nondisclosure. Regrettably, no such explanation was tendered to me by ( Furnisher of information to credit agencies ), thus flagrantly contravening statutory provisions.

Moreover, the inclusion of adverse information in consumer reports sans requisite authorization is expressly prohibited by 15 USC 1681C ( a ) ( 5 ), thereby rendering the actions of the aforementioned agencies patently unlawful.

Per 15 U.S. Code 1681s2 ( A ) ( 1 ) A, any entity furnishing information to consumer reporting agencies is categorically prohibited from doing so if cognizant of its inaccuracy. Equifax, XXXX and XXXX persistence in furnishing such dubious information egregiously flouts this provision.

Furthermore, pursuant to 15 U.S. Code 1681e, it is imperative for consumer reporting agencies to maintain robust protocols aimed at forestalling violations of statutory provisions, a requirement that Equifax, XXXX and XXXX flagrantly disregard.

Lastly, 12 CFR 1016.7 expressly affords consumers the unassailable right to opt out of reporting services at their discretionan option I am unequivocally availing myself of forthwith.

In summation, it is abundantly clear that Equifax, XXXX, and XXXX ( Furnisher of information to credit agencies ) have transgressed a litany of statutory provisions under the FCRA, thereby necessitating immediate rectification of their actions and a cessation of any further violations forthwith.
Product: Debt collection

Dear Resurgent Capital Services, I am writing to follow up on my previous letter regarding the debt that is currently on my credit report. As mentioned in my previous correspondence, I did not receive any notification or validation of this debt, which I believe was sent to an old address of mine, located at XXXX XXXX XXXX XXXX, XXXX, NY XXXX. 

I would like to bring to your attention that I have previously disputed this debt through XXXX XXXX, and the company responded that the " Account information disputed by consumer, meets FCRA requirements. '' This clearly shows that I have requested substantiation of this debt, and I have not received any response from your company. 

As per the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are required to provide written validation or substantiation of the debt within five days of their initial communication with the consumer. If a consumer disputes the debt, the debt collector must cease all collection activities until they provide the requested validation.

Furthermore, I would like to clarify that I have not lived at the address where the notification was sent since XX/XX/2020. Therefore, it is highly likely that I could not have received any notification regarding this debt sent to that address. 

Therefore, I am requesting once again that you remove this debt from my credit report, as I have not received the required validation from your company. I have attached a copy of my previous dispute through XXXX XXXX for your reference. 

Thank you for your prompt attention to this matter. 
All documents attached to show that matter was disputed, plus previous dispute attached. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I had a deposited check returned. I made another deposit to cover funds so I do not acquire additional fees. When I made the deposit, I received an email message that XXXX would be available the next day and the following XXXX on the XXXX. This morning I checked my messages in my bank account that said all funds would not be available until to the XXXX. I called and was given a supervisor who told me there was nothing they could do. I was angry. Additionally, I was never sent a message letting me know the first check was returned which they resubmitted and has cleared the issuing bank. Wells Fargo has yet to credit my account regardless of the cleared check. I will continue to incur charges because of this. 

Wells Fargo has played games with my mortgage, opened a fraudulent checking account in my name, sent me a letter asking if I received a check they never sent, and now this. At this point, their treatment screams abuse and shows their lack of concern or care for their customers.
Product: Debt collection

I was sent a letter requesting payment for tolls incurred by a XXXX registered vehicle in XXXX in XXXX. I have been a XXXX resident since XXXX XXXX and have not owned a vehicle registered in Florida since them. The request letter came from a big law firm located in XXXX and XXXX ( Linebarger Goggan Blair & Sampson LLP ). It disturbs me that they can send out debt collection letters to people without having to verify any information. In the meantime it has cost me considerable time and mailing costs to respond to their request. I read of similar complaints on XXXX ( people who lived in other states, some that do not even drive ). I did verify that the state turned over the debts to this law firm. Disappointing to see a law firm not verifying ownership before sending out their letters requesting payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian credit report agency recommended me to apply for credit card capital one due to incorrect information database force me to have a inquiry hard on my credit report fraudulent activity happened with credit report agency an capital one false information force me to apply for credit card denied me credit an they not updated my credit score to account I have ok file fraudulent activity happened with my credit score request investigation an that inquiry be removed due false information
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate and fraudulent information that appears on my Equifax credit report in violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681o. Additionally, I reference the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against credit reporting agencies for failing to properly investigate consumer disputes. I demand an immediate investigation and deletion of all erroneous information outlined below. Furthermore, I am requesting the method of verification for each disputed item, as required by the FCRA. 
Incorrect Personal Information : Also Known As 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have never authorized or opened the accounts listed above, nor did I approve the inquiries. Under 15 U.S.C. 1681o, I have the right to seek damages for negligent noncompliance with the FCRA. I demand that Equifax conduct a thorough investigation, remove these fraudulent accounts and inquiries from my credit file, and provide me with an updated credit report reflecting these corrections. Additionally, I request the method of verification used to validate the disputed items, as required by the FCRA. 
Failure to comply with this request will result in further legal action, including filing complaints with the Federal Trade Commission ( FTC ) and the CFPB, and pursuing my rights under the FCRA, including seeking damages as provided under 15 U.S.C. 1681o. 
Please respond to this dispute in writing within 30 days of receipt, as required by law. I appreciate your prompt attention to this matter and look forward to your resolution.
Product: Checking or savings account

MY BANK IS NOT REPORTING MY PAYROLL TO MY XXXX App
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  resold an account to midland funding- who moved from XXXX, XXXX to XXXX, mi  according to credit data recently acquired. This account is reaged- XXXX  debt is actually owed. 

XXXX XXXX has abused my phone for over 120K in TCPA violations. They continued to harass me after stating they would cease. Further- they keep playing who owns the account game with MCM/midland/encore capital to continue to illegally extort me. Even assuming I paid them- they would continue to extort me after trying to triple what I originally may have owed them. Once acct is resold- you only owe what the collector paid -- which is XXXX  on the dollar. Both XXXX XXXX-targeting consumers with no or low or abused credit intentionally- and mcm need business licenses yanked. I further demand access to new accounts from these companies to repair thier illegal damage. I am not afraid to take this case to the FBI and DoJ.
Product: Debt collection

This Company Valley Collection Serv is attempting to collect a DEBT that I DONT OWE!! 
they are letting someone else who is occupying the address XXXX XXXX XXXX use my name for their utility service!! I have written them a letter and tried to get this handles and fixed they have failed to fix it and are still reporting the inaccurate and false information on my credit report. 
I have not lived at the previous address. I have not been using their utility service, I asked them to provide me with legal proof that this is my debt and they have failed, all they sent me was the amount owed!
Product: Debt collection

I had an emergency visit to the hospital at the beginning of last year ( XXXX ) for an XXXX. After the visit, I coordinated with insurance on all my coverages and got my medical bill situated a couple months later after back and forth with the hospital and the insurance company. On XXXX, I receive a phone call from Wakefield and Associates regarding an unpaid balance from the hospital that was taken to collections. The total amount stated was {$1200.00}. I was unaware that I had an outstanding bill or that it was sent to collections. I researched the company ( Wakefield and Associated ) and was overwhelmed by the negative public reviews and XXXX complaints. During the call, I asked the employee on the phone to send an invoice through physical mail so I could validate this claim. They pulled up an incorrect address in which I gave them my actual address. As of XXXX, I have not received a letter from them. I did not receive any physical mail, email, text or phone calls prior to phone call with this company. As of XX/XX/XXXX, collections has been reported on my credit and I have taken a significant hit on my credit score.
Product: Credit card

The company sent an email to me advising that I was preapproved for an upgrade to my current card. When I sent the application it was then denied. It affected my credit score and was listed as a hard inquiry on my credit report
Product: Credit card

My HSBC credit card ending in XXXX was fully paid off on XX/XX/XXXX, and the account still has XXXX points valued at {$3200.00}. However, as of today, the account is still under review. I called customer service two weeks ago, but they refused to provide any details or an estimated resolution time. Im planning to use the card for my upcoming trip, but its still inaccessible, despite the high annual fee Im paying. They promised that a specialist would call me back to resolve the issue, but Ive heard nothing since.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX 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 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!

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 CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. 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

I have a late pay on XXXX 2017 I have sent them a letter explaining why the bill was paid late Still waiting to here back from them
Product: Credit reporting or other personal consumer reports

This afternoon, I was shocked to see incorrect accounts suddenly appearing on my credit report without any explanation. I check my report regularly, so I was startled to find discrepancies that seemed to appear out of nowhere. I even refreshed my browser, thinking it might be a glitch, but the inaccurate accounts stayed right there. I truly hope the documents Ive sent will be reviewed closely, so I can finally put this concern to rest.
Product: Checking or savings account

A person unknown to us withdrew from our Citibank XXXX XXXX Account { Account number : XXXX ] a total of {$4200.00} by issuing two checks to himself, drawn on his account at XXXX XXXX XXXX [ XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX ; XXXX ]. 

We have copies of both checks. They were issued on XX/XX/2022. 
( Check images attached. ) The first check is for {$2300.00} and made out to XXXX XXXX XXXX [ from XXXX XXXX XXXX ], XXXX XXXX XXXX XXXX, XXXX Ohio XXXX. It is marked for emergency. 

The second check is for {$1900.00} and also made out to XXXX XXXX XXXX from XXXX XXXX XXXX and marked emergency payment 2. 

We did not authorize the withdrawal or payment from our Citibank account and do not know the person whose name is on the checks. Our debit card was never missing or lost. We did not authorize any withdrawal by this person or his bank. 

As of XX/XX/2022, the {$4200.00} taken from our XXXX XXXX account has not been returned to us.
Product: Credit reporting

My wife and I filed for and received a Chapter XXXX Bankruptcy Discharge XX/XX/XXXX. We moved across town shortly after that and because we moved we fond it impossible to get in contact with Transunion, XXXX and XXXX credit reporting companies for our free credit reports as entitled under the law. After XXXX moths passed we found where someone published the credit reporting names and addresses. We notified the credit reporting companies that they were still reporting balances owed on accounts that were included in the bankruptcy. The credit reporting companies and the account owners were properly and legally notified of the Bankruptcy filing and discharge. In the husbands credit report Transunion refuses to remove or correct the negative information by XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX, XXXX that was included in the Bankruptcy Discharge. Also in the husbands report XXXX refuses to remove or correct the negative information the negative information by XXXX XXXX XXXX. In the wife 's credit report XXXX refuses to remove or correct the negative information by XXXX XXXX XXXX XXXX XXXX, XXXX, DE XXXX, XXXX. Both the wife and husband wrote letters to XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, GA XXXX dated XX/XX/XXXX challenging the credit reports we both received on XX/XX/XXXX. To date XXXX has failed to respond to the letters we wrote clearly advising them of all disputes for all of the falsely reported items including all items that were Discharged in the XX/XX/XXXX Bankruptcy. XXXX instructions on their credit report dated XX/XX/XXXX clearly instructed us to mail disputes to the afore named address. We have a large number of supporting documents that we can provide if necessary. Its clear to us that both the credit reporting companies and the creditors have little to no regard for the laws. Our attorney properly and legally notified the credit reporting companies and the creditors of the filing and discharge of our Bankruptcy. Because of the illegal negative information reported in our names we have been both denied credit and or the credit we received was at a higher interest rate than it would have been if the credit reports would of been correct under the law. The law requires the creditors to either remove negative information or show a zero balance and a statement included in Bankruptcy. We ask that you investigate to see why the credit reporting companies and creditors did n't follow the laws for reporting after a Bankruptcy Discharge, investigate why the afore named creditors even after being notified by us reused to correct the negative reported items, investigate why the credit reporting companies make it impossible to contact them in writing, investigate why when we paid for the credit reports last year the reporting companies either failed to allow us to receive our reports because we moved or provided only partial reports that did not provide us enough information to challenge the reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a person not a credit repair agency I called experian today at XXXX XXXX central standard at the and talked to a ignorant representative XXXX I asked it fa ha supervisor or boss she has me on hold for over 2 hours and is playin on the phone they be playing games and lyingh messing peoples lives up. I hate dem XXXX and needs my XXXX fixed bcuz this aint even right and dats how people cant be getin XXXX dez XXXX  gone made me not get my furnitute fo my kids and dez sum dum.
Product: Student loan

Hi Team, In XXXX of XXXX, I paid off one of my student loans. In XXXX, when I went to pay another loan, I checked the loan I had paid off ( XXXX ) to see if there was any interest still owed. At the time it shows a {$.00} balance which I paid. Since then, the account has been closed as reflected on my credit report. I also paid down another loan which according to my credit, as of today, should have been a {$700.00} balance ( XXXX ). When I went into my account to make a payment, I noticed the loan I had paid off and closed showed an open balance of {$7.00} and the other loan I am close to paying off showed {$720.00}. I looked into the closed loan to see if this extra {$7.00} was due to interest. However, it was not according to AidVantage. It is showing this is unpaid principal. I did the same for my XXXX loan and it shows there is only {$2.00} interest and the unpaid principle is {$700.00}. Now where is the extra {$20.00} coming from and where did this extra {$7.00} come from? I reached out to customer service and they had no answers for me. I asked them to do a full audit review of my account. 

This is absolutely ridiculous. These agencies know how difficult it is to pay off these loans and here they are scamming people out of extra money to make a quick buck. It is disgusting. I demand a full invesitagion of AidVantage and their practices. I am not the only one they are doing this to. This is criminal and these funding agencies must be held accountable. I will provide any and all information to assist in my request. My account number is XXXX - XXXX.