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

There is an address on my consumer report which is in fact, a result of identity theft and I would like it removed immediately. I have disputed this with Experian, XXXX and XXXX. They did not remove it from my consumer report. I have never stayed at that address and I would like to request that it be removed from my consumer report.
Product: Credit reporting or other personal consumer reports

Wells Fargo lawsuit that I was a part of but I'm not satisfied with what the amount they came up with XXXX it was a debit card fraud I think I'm entitled to way more this happened back in XXXX it caused me emotional damage losses of putting food on table cloths on my kids back to much to mention XXXX but I recently received a check for that amount and at the bottom it said this case is closed I can't get through to talking with anyone I'm frustrated confused i just wished Wells Fargo works that did all this upset wrongfully things to people need to be accountable for like jail time people out here especially on a reservation if we did what they did to us we be in jail i mailed my first remediation paperwork in abd did get a check for it but wasn't satisfied with it bit hopefully something comes down the road from that and this last one was credit card fraud and i responded to it and they told me to wait for another one in mail so i did and XXXX was a check for XXXX and said this case is closed i haven't had a phone due XXXX congress didnt pass that so i dont kow where XXXX go from here its just not fair
Product: Credit reporting or other personal consumer reports

I appreciate your assistance in getting some of the fraudulently obtained data from my credit file removed, but there are still items that need to be blocked or removed. You must remove all records listed on an ID THEFT REPORT in accordance with FCRA section 605 of the regulations. I am proactively including this report again because I proactively remembered it for a previous letter. I have informed my attorney of my intentions, and they are willing to hold you accountable for your persistent disobedience. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Product: Debt collection

This law firm with the name Mary Jane & Elliott are trying to garnish my wages for a collection debt that was apparently made while I was a minor and unaware fix they will not share the details of when and where this debt was created. I've also spoken with the company that XXXX XXXX XXXX XXXX is saying trying to collect the debt but XXXX XXXX XXXX say they don't even have a record of me having an account and they're not sure that I even had one to begin with. The account was said to be created in XX/XX/2001 which us when I was still attending high school, and they say the amount is for {$3400.00} but will not share any other information with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Report Number : XXXX Date Generated : XX/XX/2021 Collection Company : VANCE & HUFFMAN LLC Amount Owed : {$320.00} I am not liable for this debt with XXXX XXXX. I do not have a contract with VANCE & HUFFMAN LLC. Neither XXXX nor VANCE & HUFFMAN LLC has provided me with the original contract as I requested.
Product: Credit reporting or other personal consumer reports

My complaint is with Transunion, XXXX, and XXXX. Along with the collection companies that reported the inaccurate information. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX  ) I have multiple accounts on my credit report showing they have been charged off. I never received a 1099c for the charged off debt to be reported properly to the IRS for any of these accounts. This is a violation of laws placed by congress to protect consumers. If a company charges off a debt as a loss they are required to send me a 1099c to properly file with the IRS. As well as the fact that the IRS states a charge off is considered ordinary income, additionally stated by the IRS income is not to be reported on consumers reports. This makes the reporting of the account INACCURATE. This is also a violation. Furthermore these accounts still show a balance due. Which is again, INACCURATE information and misleading. Since it has been charged off by the company the balance must be XXXX. I called Transunion twice and brought this to their attention and requested that these accounts be removed. As they are required by the FTC to report ACCURATE information. Or they are in violation and can be fined. They did not remove the accounts and only started a dispute. This dispute can take up to 60 days and in the meantime this is negatively effecting my report and life.
Product: Credit card

Dear CFPB, I am writing in reference to Citibank. After reviewing the business ' response, I find that it has not adequately resolved my complaint for the following reasons : 1. The {$41.00} late fee charged contradicts the CFPB rule finalized on XX/XX/XXXX, 2024, which caps late fees at {$8.00} for large credit card issuers. 

2. The application of a 29.990 % Penalty APR after a single late payment violates the CARD Act, which requires a 60-day delinquency before applying a penalty APR to existing balances. 

3. The 60-day notice period for the APR change XXXX XX/XX/XXXX, to XX/XX/XXXX ) may not meet the 45-day notice requirement when accounting for mailing time.

4. Citibank cited " credit performance '' as a reason for the APR change without providing specific details, potentially violating the CARD Act 's requirement for specific reasons for adverse actions.

5. The {$41.00} late fee suggests Citibank may still be using an inflation-adjusted amount, which is prohibited by the new CFPB rule.

These issues indicate that Citibank may not be fully compliant with the latest CFPB regulations and CARD Act requirements. I request that the BBB further investigate these potential violations and assist in resolving these discrepancies with Citibank.

Thank you for your attention to this matter.

Sincerely, [ Your Name ] Citations : [ 1 ] https : //www.youtube.com/watch? v=XXXX [ 2 ] https : //justicedirect.com/post/company-complaint-new-york [ 3 ] https : XXXX [ 4 ] https : //www.findlaw.com/legalblogs/small-business/what-happens-after-a-XX/XX/XXXX-complaint/ [ 5 ] https : //justicedirect.com/post/when-should-you-file-a-XX/XX/XXXXcomplaint [ 6 ] https : //ag.ny.gov/file-complaint/consumer [ 7 ] https : //wwwXX/XX/XXXX.org/process-of-complaints-and-reviews/complaints [ 8 ] https : //www.youtube.com/watch? v=Pveq-nNIIxo
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below, continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Debt collection

On my credit report a collection item shows from National Credit Adjusters out of XXXX, KS. I never received legal notice according to FDCPA laws and they need to remove this from my bureau. Additionally, by law I can sue this company for violating my rights for same. 

This collection agency also put on my credit file that the account was just opened XX/XX/2021 which is a lie and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is reporting this CHARGED OFF account XXXX XXXX  as OPENED on my consumer report. To my understanding a charge off account is considered to be a closed ended account therefore there should be no indication that this charged off account should be reporting as opened. I've already put transunion on notice of this blatant error and transunion refuses to modify the account appropriately therefore they should have deleted the account. instead of fixing the account TransUnion only sends me stall letters to ignore my dispute.I 've never disputed this account based on validity. this account has been disputed based on the simple fact that transunion reports this charged off account as opened instead of closed.
Product: Checking or savings account

Frost bank called and informed me of a banking account that was opened fraudulently. I have a credit freeze on all 3 credit bureauxs and this last week I lifted the freeze because me and my husband are applying for a loan for an RV. I received an email from frost bank stating an account was opened and I thought it was spam so I didnt look into it further. I received the phone call today from frost bank. I was told the account was opened using all of my information including social. I am concerned about this because when I lived in XXXX, Tx my car was stolen along with my identity a police report was filed but Im not sure if they found the people and I never got my stuff back. I had left my wallet in the car so my social and drivers license and passport were all in the car when it was stolen. This happened in XXXX of 2018. The banker said they used my XXXX address to open the account. I am concerned that the people who opened the account are the people who stole my car. The banker encouraged me to file this report. The account opened was not opened by me.
Product: Payday loan, title loan, or personal loan

Americash issued a loan to me in access of 22.5 % of my gross income which is more than the legal amount for IL My gross income is XXXX and the max amount allowed is XXXX The interest on this illegal loan is contractually void Americash was aware of a first installment loan i had taken out in XX/XX/XXXX, which also disqualified me for a new loan based on my income. 

The contract is void as it violates IL laws Illinois State Information Legal Status : Legal Citation : 815 ILCS 122 et  seq. 

Loan Terms : Maximum Loan Amount : lesser of {$1000.00} or 25 % gross monthly income. Payday installment loan lesser of 22.5 % gross monthly income or {$1000.00}. 
Loan Term : 13 to 120 days. Payday installment loans 112 to 180 day terms.

Maximum Finance Rate and Fees : {$15.00} per {$100.00}, plus a {$1.00} verification fee Finance Charge for 14-day {$100.00} loan : {$15.00} APR for 14-day {$100.00} loan : 403 % Debt Limits : Maximum Number of Outstanding Loans at One Time : Two Rollovers Permitted : None ( can not rollover ). Payday installment loan can be refinanced one time during term.

Cooling-off Period : 7 days after 45 consecutive loan days. Payday installment loan max 180 days in debt.

Repayment Plan : Yes. After 35 days, if payday loan unpaid, right to at least 55 days to repay in installments with no added cost.

Collection Limits : Collection Fees : One {$25.00} NSF fee ( Presentment limit = 2 ) Criminal Action : Prohibited
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX shows from the recent post on my Experian credit report that the account is scheduled for deletion XX/XX/XXXX. However, Experian needs to do a reinvestigation requesting from XXXX the true late payment history that in my review dates all the way back into XX/XX/XXXX. XXXX cut off several years of payment history to re-age the credit tradeline. This account should be deleted immediately and permanently, not XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. Account are listed below : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Experian to investigate certain accounts on my credit report that are not mine and it has been 30 days and they have not sent me verification. I want the items removed from my credit report. I will attach copies of what I sent them.
Product: Credit reporting or other personal consumer reports

I am requesting the following documents from XXXX XXXX XXXX XXXXValidation of debt the actual accounting of the contract. 2.A copy of a contract binding both parties. 3. Proof of full disclosure explaining that i was actually creating credit with my wet ink signature. 4. Equal consideration 5. The wet ink signature of both parties. In order for a loan to be valid it is required by common and consumer law to have both wet ink signatures of both parties.6. A INVOICE. Do not send a statement as a invoice a statement is NOT an invoice I am requesting proof of an invoice. Also a loan application does not constitute a contract as it is only signed by one of the parties which is me the consumer. Please send contract that has wet signatures from both parties. I am requesting these documents within the next 15-30 days. Refusing to provide these documents is a direct violations of the duties of the furnisher and more fcra guidelines. Done in good faith all rights reserved
Product: Mortgage

Almost a year ago, while sleeping at XXXX XXXX, my family and I experienced a house fire. It began in the garage, behind drywall, within the electrical wiring. The structure was about 30 % fire damage and 100 % smoke damage. Luckily, my husband, son, and two dogs were safe. This experience really clues you in on how things really work and the corruption behind many businesses. You would think with home owners insurance a home would simply be rebuilt. Unfortunately, this is far from the case. Not to go into too much depth because I intend to address my complaint with Wells Fargo, the entire year has been spent in a slow process with contractors and receiving insurance money. The insurance company gives a depreciated value by approximately 60 % of what it costs to rebuild. Only when this is complete can one recoup the additional value. After the year long struggle, we have taken loans and maxed out credit cards to finish the home in order to receive the last check. Not once did Wells Fargo seek out their interests as I do have a loan with them. Not once did Wells Fargo check on this family as we have had a mortgage with them for approximately 12 years and in good standing. Our credit scores were over 800. We are very diligent in paying our bills. Not once over the past year has a single mortgage payment been late. We also have quite a bit of equity when the house is finished and equal to the neighborhood. Finally, a month ago we received a sizable check from the insurance company. I thought we were in the clear and can now pay contractors and credit cards. This is not the case. My husband and I took the check to Wells Fargo for deposit. Unfortunately, this is the only way a check of this size can be deposited, with Wells Fargo the lean holder. This though is not the problem. Wells Fargo refuses to deposit this check into my account. Maybe they could take the money and distribute it to owed contractors and a very own Wells Fargo maxed out credit card with themselves No. Instead the check is only a coaster at this time. What do they want? An appraisal. Greatcome on outOne month later and red tapenothing. I cant hang on like this. They are however accruing interest over the past month on my maxed credit card which I would love to pay off. Basically, Wells Fargo has treated us inhumanely. We have been through quite an ordeal and they have only made it more difficult. If they want to secure their interest, I have no problem with this. Where have they been the entire year. Only when I get a check which I am in desperate need of they have held us up over a month. I am in good standing and have been treated unfairly.
Product: Debt collection

I had a three line plans with XXXX XXXX XXXX XXXX California XXXX one of them ( XXXX XXXX ) got stolen from the first month that i got it ( XX/XX/XXXX ), and then the other line ( Just The Sim Card ) I stopped using it after 2 months ( XX/XX/XXXX ) and I went to XXXX, I told them about it that im only using one line ( XXXXXXXX XXXX XXXX XXXX and and i wanted to change my plan. They said they couldnt unless i finishes paying all the phones so they didnt do anything about it and they kept charging me for the three line plans and I went to three other retail stores and they didnt do anything about it either so I stopped paying it because I was only using one line. then after that they suspended my line. I called customer service I explained to them the same story again but the kept insisting that i pay them the amount owed. I told them I couldnt pay that amount at the moment and i asked if I can pay in installments, he told me i have to pay atleast half of the amount for him to make such arrangements. Two weeks later I received a letter where they threaten me that theyre gon na damage my credit score and stuff like that. They sent my information to the Credence Resource Management , LLC. Im trying to see what can I do or what you guys can do to help me in this situation. They said i need to pay {$1500.00} by XX/XX/XXXX.
Product: Debt collection

Continues to call my employer when my supervisor has instructed them not to call because it is a business.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three credit agencies are discriminating me and not reporting my current credit debt, information, removing old accounts, not updating correct scores, and unprofessional behavior.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the document needed and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information. Please delete the following accounts : XXXX opened XX/XX/year> acct # XXXX, XXXX XXXX XXXX opened XX/XX/year>.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Credit Reporting and Request for 1099-C Documentation To Whom It May Concern, I am disputing the accuracy of an account listed on my credit report under 15 USC 1681s-2 , which mandates the reporting of accurate and verifiable information. 

The account in question is as follows : Account Name : XXXX XXXX XXXX XXXX  XXXX XXXX : XXXX XXXX, XXXX  The balance currently being reported is inaccurate and potentially unlawful. XXXX XXXX v. XXXX XXXX XXXX, the issuance of a 1099-C form by a creditor indicates the occurrence of an identifiable event of debt cancellation. Under IRS regulations, Event Code 7 defines such an event as a discharge of indebtedness due to the creditors policy decision to cease collection activity and cancel the debt.

If a 1099-C form has been issued for this account, the debt has been canceled, and reporting a balance is inaccurate and misleading. I am requesting the following : Verification of the Account Balance : Provide evidence demonstrating that the balance is accurate and collectible.

Provision of the 1099-C Form : If issued, provide a copy to verify the identifiable event.

Immediate Deletion of the Account : If the debt was discharged under Event Code 7 or can not be verified, you are required to delete this negative information under the Fair Credit Reporting Act.

Attached, you will find [ list of supporting documents ]. Please investigate this matter within the legally required 30-day timeframe. Failure to respond appropriately will result in further action. 

Thank you for your prompt attention. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Another lie, THEY NEVER WORK ON ANYTHING EXCEPT LYING AS REQUESTED FORWARDED TO F.T.C AND D.O.J
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. My personal information was compromised and fraudulent accounts were opened without my consent or authorization. 
As a result, I sent this company my dispute letter on XX/XX/XXXX explaining my case. I even attached Identity Theft Report, Proof of identity and Section 605B of the Fair Credit Reporting Act. 
But to my surprise, this company up to now failed miserably to investigate my claims and is still reporting this fraudulent accounts. For yet another last time, the following accounts are as a result of fraud : XXXX  XXXX/XXXX, ACC # XXXX, Opened Date XX/XX/XXXX, Highest Balance {$590.00} XXXX  XXXX/XXXX, ACC # XXXX, Opened Date XX/XX/XXXX, Highest Balance {$1300.00} XXXX/XXXX, ACC # XXXX, Opened Date XX/XX/XXXX, Highest Balance {$1600.00} XXXX  XXXX XXXX, ACC XXXX XXXX, Opened Date XX/XX/XXXX, Highest Balance {$8500.00} XXXX XXXX XXXX  XXXX, ACC XXXX XXXX, Opened Date XX/XX/XXXX, Highest Balance {$620.00} This letter is a written proof of my intent to find a resolution for this case failure to which I will file a lawsuit against this company.
Product: Debt collection

This company is calling me repeatedly. They are trying to collect on debt that was discharged in XXXX  many years ago. 

They will not stop calling despite repeated requests. They are threatening me, saying derogatory statements about me, and operating illegally in a phishing scheme. They refuse to give me information & want my attorney to call them but they wont give me any information except kind of teasing me with threats & asking me how I can sleep at night when I didnt pay my bill. 

They have many many many many phone numbers. 

They say they work for XXXX XXXX.