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

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance Owed : {$3800.00} Charged off XXXX XXXX Date Opened : XX/XX/year> Balance Owed : {$3900.00} Late/Closed XXXX XXXX XXXXXXXX Date Opened : XX/XX/year> Balance Owed : {$29000.00} Charged off XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance Owed : {$4900.00} Charged off XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Date Opened : XX/XX/year> Balance Owed : {$370.00} Collection XXXX XXXX XXXX Date Opened : XX/XX/year> Balance Owed : {$4900.00} Late/Open XXXX XXXX Date Opened : XX/XX/year> Balance Owed : {$1000.00} Late/Open XXXX XXXX Date Opened : XX/XX/year> Balance Owed : {$29000.00} Late/Open Inquiries in Dispute : XXXX XX/XX/year>XXXX XXXX XXXXXXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several request to the credit bureau and have not received a response. This is not my debt. This is a credit error. Its affecting my credit and I have been denied a home loan. Please assist in removing this credit error
Product: Checking or savings account

US Bank XXXX XXXX ( located at XXXXXXXX XXXX XXXXXXXX XXXX ) had a promotion to earn an additional {$100.00} when you open a new Standard Savings account. 

" To quality, you must open a new Bank XXXX checking account. In addition, make {$1000.00} or more in total deposit ( s ) to you new Standard Savings account by XX/XX/XXXX and maintain a balance of {$1000.00} or more through XX/XX/XXXX. '' The promotion code listed on the bottom of the promotion flier is XXXX. 

The account had {$1000.00} for the duration of the period. 

The credit should have been paid within 30 days of XX/XX/XXXX. On about XX/XX/XXXX XXXX ( branch manger ) told ( us ) that the account qualified for payment and that the {$100.00} would be deposited in a few days. On about XX/XX/XXXX, with a second call, XXXX informed ( us ) that it might take a few more weeks. On XX/XX/XXXX XXXX informed us that she sees the request and that the money ( {$100.00} ) should be deposited on the XXXX ( 30 days ). On XX/XX/XXXX XXXX was surprised but unhelpful regarding why the deposit had not been completed. 

On XX/XX/XXXX XXXX at US bank main line claimed to have put in a research request and stated that an email would be sent to ( us ) and the deposit within 3-5 business days. 

On XX/XX/XXXX XXXX was contacted by ( XXXX ) and could not see any annotations on the account about what XXXX claimed he had done. She escalated to a supervisor. No supervisor answered. A message for a call back was left. 

On XX/XX/XXXX XXXX could not see any records of the issue and transferred to a supervisor where another voice message was left. 

At XXXX pm the patience has run out for the SCAM ARTISTS known as US bank. Get them please. Where's the money XXXX?
Product: Credit reporting

Account was paid and closed but remains on my report. Even though I requested for the items to be removed, the items remain and is damaging to my report.
Product: Credit card or prepaid card

I have a Comenity Ulta Mastercard. 
I have not had access either online or by phone to this account since late XXXX. 

Evidently, they went through a system upgrade and it was a disaster. 
I read on XXXX and other forums that no one can get through to them, use their card, or make payments. However, I did get a text about a late payment. 

This company is holding people XXXX!
Product: Debt collection

To whom it may concern : Be advised this is not a refusal to pay, but a notice that this claim is disputed, and validation is requested. Under the Fair Debt collection Practices ACT ( FDCPA ), I have the right to request validation of the debt you say I owe Amsher Collection Services. I am requesting proof that I am indeed the party you are asking to pay this debt and there is some contractual obligation that is binding on me to pay this debt to AMSHER COLLECTIONS SERVICES. 
This is NOT a request for verification or proof of my mailing address. This is a request for VALIDATION made pursuant to 15 U.S. Code 1692g Sec. 809 ( b ) of the FDCPA, Validation of Debts. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Second, FDCPA15 U.S. Code 1692c ( a ), Communication in connection with debt collection, states communication with the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. I have not given Amsher Collection Services the above written consent to contact me in connection with the collection of any debt. I do not have signed contract with Amsher Collection Services and I am unaware of how they have obtained my personal identifying information without my knowledge and consent. I have not signed a contract form to authorize Amsher Collection Services to have access to my personal information. This information collected by Amsher Collection Services is a gross and tortious effort to disregard my privacy and clearly violates my rights as well as FCRA and FDCPA laws. I am disputing the validity of this alleged debt. Specifically, there does not exist a written contract signed by both parties and me as specified in the Doctrine of Privity creating a contract that obliges me to Amsher Collection Services. I request Amsher Collection Services provide a signed contract between me and Amsher Collection Services regarding the allege debt or immediately cease and desist all harassment of alleged debt and remove all items totaling {$160.00} from credit reprting agencies, XXXX, XXXX and XXXX
Product: Checking or savings account

There seems to be something strange going on with this bank handling an issue with a check that was improperly filled out. The check was numerically written for {$260.00}. But, on the narrative section I mistakenly wrote XXXX XXXX XXXX XXXX. I noticed the error before my manager, who was the recipient. And, since she had not noticed the error yet, she was unaware of the problem. I was informed by her that they " posted '' the amount in the accounting ledger at the numerical amount. She asked me to ask the bank about the funds. At no time, that I'm aware of, did anyone ever tell the bank that they received the entire funds. Yet, I'm being told that someone put a notation on my account that they confirmed the recipient received the full {$260.00}. What's more is I'm now being asked to prove that they didn't receive the funds. As far as I can discern, that particular narrative began with one of their own customer service representatives. I've tried to explain this twice already. It's very insulting. The implication being made here is that I'm lying about my manager not receiving the funds. They can check for themselves to see if they were credited the amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

Starting on XX/XX/2018 I tried to place a freeze on my credit reporting with all four of the credit agencies. I was successful with using on-line dialogues for XXXX, XXXX, and XXXX, but Equifax gave me an error saying that they could not complete my request at that time and that I should try again later. I did that several times, and then I called their Customer Service number and was told that there was a software upgrade in progress and to try back later. I did that, but got the same message. I have tried using their web-site frequently since then and always get the same message. I then used an on-line chat application to speak to a technical support person who gave me another phone number that he said would get me help. I tried that number, but the option menu did not include anything about credit freezes or problems with the use of the web-site. I tried again today, and tried to log into the account that I had set up with them. I was unable to log in successfully, so then I requested to change my password ( assuming that I had forgotten it ). I was informed that a message would be sent to my e-mail account with instructions on how to change me password. Nothing has come back from them yet. I am tired of hassling with them. So I am making this complaint.
Product: Credit reporting or other personal consumer reports

inaccurate information was reported to XXXX, XXXX and Experian, XXXX XXXX XXXX reported late payment, wrong information was reported
Product: Credit reporting, credit repair services, or other personal consumer reports

this is in reference to complaint # XXXX. Where as I told by CFPB notifield me that SageStream LLC refusal to answer complaint. this is no surprise because SageStream refuse to answer request for a copy of my Consumer report and to put a freeze on my credit report. Still to this day. I submitted a forth request via certified mail # XXXX that was signed and delivered to the company on XX/XX/2020. When this complaint is forwarded to Sagestream it will be followed by a lawsuit being delivered to there registered agent and they will be able to answer for there transgression in a court of law where i I will sue for damages as I am able to do under the FCRA. I dare them to not answer that complaint when it is delivered.
Product: Checking or savings account

On XX/XX/2018, I received a Social Security Direct Deposit into Wells Fargo Bank. Wells Fargo Bank immediately took {$530.00} from my Social Security deposit, leaving me {$160.00} to live on for the month of XXXX. I did not receive any Notice from this bank that this money from my Social Security check ( Direct Deposit ) was going to be " garnished ''. This Direct Deposit has been in effect for 8 years with Wells Fargo Bank. There was a few " undisputed '' fraudulent charges on my account at this time. My Social Security money, Direct Deposit was posted onto my account at XXXX XXXX, XX/XX/2018 and the {$530.00} was taken from my account in 1 minute. This is my only source of income. I starting getting Social Security XXXX at approximately at age XXXX years old ; due to a depilating " accidental XXXX '', leaving me with multiple XXXX XXXX causing permanent physical damage. It is my understanding that there are specific laws that protect one 's Social Security money, as the only source of income, from being " garnished ''. I would like to move forward with this issue as quickly as possible since this loss of one month 's income has impacted my quality of life substantially. Thank you. XXXX XXXX
Product: Credit reporting or other personal consumer reports

My accoun was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX balance XXXX date opened XX/XX/XXXX XXXX reported XX/XX/XXXX. 
XXXX XXXX XXXX balance XXXX date opened XX/XX/XXXX XXXX reported XX/XX/XXXX. 
XXXX XXXX XXXX  due amount $ XXXX status XXXX reported XX/XX/XXXX XXXX XXXX. Past due amount $ XXXX statusClosedDate reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX amount {$2600.00} Account status Closed Date reported XX/XX/XXXX i have reported to these companies that these are not my accounts and that this is identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXXXXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX 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 a account without my written instructions.
Product: Money transfer, virtual currency, or money service

Bank of America has frozen a XXXX transaction because the word XXXX was in the message. XXXX XXXX XXXX XXXX and my only income is SSI boa is abusing the XXXX and stole money from my account. The transaction was from boa to XXXX XXXX base in united state.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, encountered several violations of my rights under the Fair Credit Reporting Act ( FCRA ), which prompted me to address these issues directly. The violations include : Willful Noncompliance ( 15 USC 1681n ) : Credit information was accepted and reported without proper verification, constituting willful noncompliance, which carries penalties of up to {$1000.00} per violation.

Failure to Disclose Opt-Out Rights ( 15 USC 1681a ) : My right to opt out of the sharing of personal information was not disclosed, which is both deceptive and a breach of my consumer rights.

Furnishing Deceptive Forms ( 15 USC 1681s-2 ( a ) ( 3 ) ) : Inaccurate inquiries and accounts were reported without proper validation, violating reporting standards and Generally Accepted Accounting Principles ( GAAP ).

Violations of the Fair Debt Collection Practices Act ( FDCPA ) : Inaccurate debts and accounts were reported without my consent, leading to harassment and undue distress.

Improper Disclosure to Third Parties ( 15 USC 1692c ( b ) ) : Debt collectors improperly disclosed debt-related information to third-party credit reporting agencies, which is prohibited.

Late Payment Reporting : My credit report included alleged late payments without a clear definition or accurate reporting, resulting in misleading and deceptive entries.

Errors in Finance Charge Determinations : Finance charges were inaccurately determined and reported, violating responsibilities as a credit reporting agency.

Unauthorized Reporting of Information ( 15 USC 1681b ) : Information was included on my credit report without my written consent, breaching permissible purposes under the FCRA.

In response, I have demanded the validation of certain debts under 15 USC 1692g, the removal or correction of inaccuracies in payment history under 15 USC 1681a, and the deletion of unauthorized hard inquiries under 15 USC 1681b ( a ) ( 2 ). Additionally, I have requested evidence such as signed applications or contracts for specific accounts or their immediate removal if validation can not be provided. 

Failure to address these violations promptly will leave me with no option but to pursue legal remedies under the FCRA. I expect timely and corrective action to rectify these issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 without my written instructions.

It is not my name on debt.

I have been living in same address for more than 10 years. Never had those services. 
Never had knowledge of debt until it hit credit reports and lowered points. 

TRANSUNION AND XXXX Lowered score wrongfully.
Product: Credit reporting, credit repair services, or other personal consumer reports

These fraudulent accounts are reporting negatively on my credit report XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have tried to apply to refinance my existing car loan. I have been declined for credit due to an excessive DTI ratio. I was declined for credit all together or given less favorable and affordable options. The reason for the excessive DTI ratio is due to the error of XXXX XXXX XXXX XXXX. My conventional mortgage was originally issued as a joint mortgage with my spouse. It is currently listed with only myself as the borrower. This removal of my spouse has created a problem for me based upon what is being reported to the credit bureaus. I would like to be able to follow through with being able to receive credit without being discriminated against due to an error in reporting from the existing mortgage lender, XXXX XXXX XXXX XXXX My inability to refinance my car is now causing an issue for me to not be able to get a good rate and lower payment. This has caused a financial hardship for me.
Product: Vehicle loan or lease

I have been calling CitizensOne for the past month to obtain a letter to register my car in a different state. I was told this will take 6-8 weeks, I paid the fee on XXXX and to obtain the supporting documents and was told that CitizensOne could not find my title, therefore, this request could not be processed. I called CitizensOne about the issue and they said their " back-office '' is where all the titles are stored and they never received one. I received my title memorandum on XXXX, this was sent to me the same day the dealership sent the title to citizensone. I spoke with the dealership and the title was mailed on XXXX/XXXX/XXXX directly from the Ohio XXXX. I have call 3x a week since the middle of the XXXX and have since tried to refinance my car over the issue. While trying to refinance my car, I was told it will take 120 days to get the title information. The bank keeps passing my claim to it 's supervisors who promise answers within days but nothing ever gets resolved. It 's been over a month and a half and I have not been able to drive my car I recently purchased because I am unable to register it in NY without an authorization letter. Since I have found a bank who will give me a letter within a day and decided to use them to refinance my car, CitizensOne is not working to get them the information they need to finalize the loan.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. There is fraudulent names, addresses and accounts listed on my credit report. My name is XXXX XXXX and my only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This is your final notice. I am demanding an immediate and thorough explanation of every step your agency has taken to ensure the items on my credit report are 100 % accurate, as mandated by 15 U.S.C. 1681i ( 7 ). Under this law, you are legally required to provide me, within 15 days, a full description of your reinvestigation procedure, including the names, addresses, and telephone numbers of every furnisher of information you contacted to verify these disputed items.

I have previously notified your agency that I am a victim of a Data Breach/Identity Theft. I have also filed an FTC Report, confirming my status as a victim. Despite my explicit demand that you block and remove all fraudulent information from my credit report under 15 U.S.C. 1681c-2 ( c ) ( a ), you have negligently failed to comply. This is a gross violation of federal law and my consumer rights. 

The following item remains wrongfully listed on my credit report, and I demand it be removed immediately : XXXX XXXX - XXXX - Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be updated as agreed this payment history. Else, DELETE this account immediately! 

XXXX - XXXX - Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be updated as agreed this payment history. Else, DELETE this account immediately! 

XXXX  - XXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, and the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be updated as agreed this payment history. Else, DELETE this account immediately!
Product: Credit card

My wife paid her credit card account out around XX/XX/XXXX. or XX/XX/XXXX. The credit card company end up pulling a payment, and posted on XXXX XXXX, 2015. Then come to find out that one of our credit card had gotten lost or stolen, some between the time that the credit card was paid out there was fraudulently active on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Some one used my td bank secure card to make unauthorized purchases. I disputed the charges but was still charged
Product: Debt collection

Despite numerous requests to remove a debt due to ID theft XXXX, XXXX and national credit adjusters you need to violate the fcra regarding credit reporting negatively a debt that does not owed and due to ID theft.
Product: Vehicle loan or lease

I am filing for the Class Action Lawsuit against Wells Fargo regarding a previous Auto Loan purchased in XXXX. 

Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, MD XXXX Vehicle Type XXXX I experienced an auto repossession.