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

I noticed inaccurate information roughly XX/XX/XXXX. I disputed but was ignored. Now 2 years later, there are further inaccuracies, in addition to knowledge that I have never given my wet ink signature towards authorization of reporting. 

Violation of 15 U.S.C. 1681c-2 Alleged Identity Theft According to 15 U.S.C. 1681c-2 ( a ), a consumer reporting agency is required to block the reporting of any information identified by the consumer as resulting from alleged identity theft. This blocking must occur no later than four business days after the receipt of such notice. 

This letter serves to supply the FTC affidavit number and relevant documentation related to my identity theft claim. The accounts listed below are part of an official FTC filing, and I demand that these fraudulent accounts be deleted immediately from my consumer report. 

FTC XXXX XXXX : XXXX -- -- -- - Violation of 15 U.S.C. 1681b Unauthorized Furnishing of Consumer Report Under 15 U.S.C. 1681b, a consumer reporting agency may furnish a consumer report only under specific permissible circumstances, one of which requires the written instruction of the consumer. I hereby declare that I have never provided written ( wet ink signature ) consent for any consumer reporting agency to furnish information regarding the accounts in question. 

Without my written permission, you do not have authorization to include or share these accounts on my consumer report. This unauthorized furnishing of information constitutes a violation of my rights under federal law. 

All inquiries, reported credit lines that can not provide a wet ink signature ( not digital ) to the Big XXXX be removed immediately. Any reports should be scrutinized for compliance with verifiable wet ink signature on file. 

An example is included below : One reporter claims {$600.00} is agreed upon, while this document attached below, current as of XX/XX/XXXX, shows that my " obligation '' is {$280.00} bi-weekly. As these numbers are inaccurate, and the reporting unauthorized, it needs to be removed. 

This holds true for all accounts. All of them have discrepancies in credit line amount ( I was issued no credit, and have had no access to these funds at any point in time ), payment information, and certainly have no wet ink authorization from me to report.
Product: Credit card

Bank of America is not applying my payments that are over the minimum required payment to the highest rate balances.
Product: Vehicle loan or lease

Wells Fargo Bank Auto Loans is forcing the establishment of a Wells Fargo Bank Account linked to my personal bank account for online payment of my outstanding auto loan. Upon initial payment on XXXX, I chose to pay my loan via Wells Fargo Bank 's online Web Site using a one-time " webdirect '' payment. This webdirect payment did not require permanent credentials or personal bank account information to be stored with Wells Fargo Bank. It was a one-time payment of a loan and NOT a Wells Fargo Bank Account Transaction . This payment option was in effect until XXXX. On XXXX, I was presented with a captive portal that would not allow me to make my loan payment without establishing a Wells Fargo Bank Account linked to my personal bank. There is no way around this forced payment method. See attached screenshots for details. My only option was to make a payment through their Customer Service Phone Number. The Customer Service Agents inform me that I am not supposed to use their service for my loan payments. Furthermore, these Agents exercise additional Wells Fargo Bank Policies limiting the form of payment such as disallowing the use of credit cards. AND, they threaten to assess a service fee. I don't want a Wells Fargo Bank Account! I just want to pay my loan. The captive portal violates my loan agreement as the loan does not specify any form of U.S. legal tender in making my loan payment. Wells Fargo Bank is just phishing my personal and confidential financial information for no legitimate reason that they have provided me. Furthermore, I was never informed of the payment change that took place on XXXX. Wells Fargo Bank is also known to have violated the public trust in numerous criminal actions that violated the confidentiality of critical financial data of both their customers and non-customers. I demand that Wells Fargo Bank Auto Loans cease and desist in the extremely predatory behaviour! Thank you.
Product: Credit card

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, XXXX - XXXX NORDSTROM XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : Unauthorized Credit Inquiry SSN # XXXX XX/XX/XXXX Dear NORDTROM, I recently received a copy of my XXXX credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 
I have sent this letter certified mail because I need your prompt response to this issue. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 
If you find that I am remiss, and you did have my authorization to inquire into my credit report, and then please send me proof of this. 
Thanking you in advance, ... ... ... ... ... ... ... ... ... ... ... ... ... .. 
XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022 to XXXX.however the credit bureau claims they completed the investigation and everything was accurate. 
According to the law 15 U.S. 1681a definition rules construction.the term investigate consumer report.means a consumer report or portion there for in which information on a consumer character, general reputation, personal characteristics, or mode of living is obtained through personal interviews.with neighbors and Friends or associates of the consumer report on or with others with whom he is acquainted or who may hav knowledge concerning any such items of information.how ever such information shall not include specific factual information on a consumer credit report obtained directly from a creditor or directly from a creditor of the consumer reporting agency.I would lik to kno who did they talk to.and how did they complete the investigation please.
Product: Debt collection

Found on my credit report an {$850.00} debt for a payday loan that I never took out. It 's listed as Midwest recovery systems. Now my credit score has plunged and I 'm working hard to rebuild my credit and this happens! Never received ANY information that anything was going against my credit. No paperwork.. nothing.
Product: Credit reporting or other personal consumer reports

Noticed that a couple account wasnt mines and is fraudulent XXXX XXXX- date open XX/XX/XXXX XXXX- date open XX/XX/XXXX XXXX XXXX XXXX - open date XX/XX/XXXX XXXX XXXX XXXX- open date XX/XX/XXXX XXXX XXXX XXXX -open date XX/XX/XXXX 2021
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor has violated my right under 15 USC 1681 section 6 0 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a open credit card account under an open end consumer credit plan as late for any purpose. XX/XX/XXXX - XX/XX/XXXX {$470.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2022. I was banking with Hummington Bank located in XXXX Colorado. Upon helping a friend a deposited a check that was written to him from a person who was purchasing some photography equipment. The lady at the bank said there would be a hold on the the check written to XXXX XXXX. I went ahead and took out the funds for my savings account thinking that the check was legit. Come to find out it was fraudulent and it was not a good check. No money was taken from the bank it was taken out of my savings. And then the bank rudely closed my account reported me to warning check cashing company and now I can not obtain a checking account anywhere. This is brought many worries and problems to me in my life. For I need to have a banking account to pay certain bills. Would have been asking today is this somebody can help me figure out a way for them to take this off my record for it was not my fault. They put a hold on my money for XXXX weeks which made me have late payments also caused XXXX XXXX  due to the short ness of funds for I am currently on XXXX entertain very little money at the end of my monthly check. So the money that I have saved up was for my bills and for any emergencies that would arisXXXX XXXX XXXX XXXX XXXX on a way to take care of this problem I turn to you to ask for support to see if you can lead me to somebody that will take this off my credit report so that I could obtain a bank account once again. Sincerely I do have documentation of these transactions they have made without my approval and without them giving me righteous information on what they were going to do I just have to get to it I just moved into a house and everything is still packed up. So once you receive this letter contact me and I will be able to submit more information with the account numbers and dates as well. I just feel that this bank has caused me great stress and has no concern about my well-being the way they treated me with all discrimination of me not being no fault in my own for any of the check problem that was handled incorrectly. Sincerely XXXX XXXX XXXX
Product: Debt collection

A company called Midland Funding is not providing me with validation that I owe them any money. They are reporting that I have an unpaid debt with them of {$520.00} but I have never done business with them and I have never received any letters or notices from them. The account number on my credit is : " XXXX ''. I only found out there was an account on my credit report when I checked my credit recently and it was pointed out that I had a collection. I 've done some research online and I have only come across negative reviews and complaints by other consumers who have been harassed and scammed by this company. I will not give my money to a company I do not recognize and who will not tell me why they want me to pay them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non complying with the FCRA.

Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please update the account, or inaccurate information, from my file immediately & send me the results to the address. 
XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$28000.00} XXXX XXXX XXXX XXXX XXXX  -- {$1900.00} Collection # XXXX XX/XX/XXXX -- {$0.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, 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. 

XXXX XXXXXXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX 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 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: Payday loan, title loan, or personal loan

Loanme does not provide year end tax documents of interest paid on loan. When contacted they state they don't provide customers with tax documents with the amount of interest paid for year of 2020.
Product: Prepaid card

American Express Serve has reversed and taken all funds on my prepaid card. They will not allow me access to my funds nor can they explain why my funds were reversed.
Product: Credit reporting or other personal consumer reports

I asked that a thorough investigation be conducted on XXXX Trans Union and XXXX regarding my credit profile. It's against the law to report inaccurate and incomplete information on a credit report which makes them in violation of 15 USC 1692g. I've reached out on numerous occasions to all bureaus but I have yet to receive a response, I would like for each account to be properly investigated and validated with original signed documents. 


XXXXXXXX XXXX Account number XXXX Account type Credit Card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$4.00}, XXXX written off. {$3.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$3500.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$10.00}, XXXX written off. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$10000.00} Balance updated XX/XX/XXXX Recent payment {$5.00} as of XX/XX/XXXX Account info Account name XXXX XXXX XXXXXXXX. 
Account number XXXX Account type Unsecured Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$29.00}, XXXX written off. 
Status updated XX/XX/XXXX XXXX {$0.00} XXXX updated XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am making a formal complaint that Transunion, XXXX, and XXXX  are reporting inaccurate credit information. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

I am distressed that they have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

The following addresses do not belong to me nor have they ever belonged to me : XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX I am so confused as to why they continue to NOT erase these addresses from my credit file, even after I have sent in notarized proof of my address. this is how other erroneous information can be attached to my credit file. I have written them on 2 separate occasions asking them to correct this very serious error in reporting. However, all they have done is stated that my file is Updated without deleting the other false addresses. Can you please help Please delete this misleading information, and supply a corrected credit profile.
Product: Credit reporting or other personal consumer reports

I sent in for the company to verify the debt which the credit bureau are verifying the debt as mines with no documentation. Ive also been threatened to be sued. They also created false statements on me, repeatedly, phone calls, and harassing me causing hardship to my livelihood none of these accounts are authorized by me, but yet still reporting on my credit I have disputed this several times, and they continue to report inaccurate information
Product: Debt collection

Email from XXXX account for National Credit Adjuster Skip to content Using XXXX with screen readers Meet Start a meeting Join a meeting 3 of 21,450 FINAL WARNING Inbox x NATIONAL CREDIT ADJUST XXXX Tue, XX/XX/XXXX, XXXX PM ( 19 hours ago ) to me Dear : XXXX XXXX , We have given you every chance to resolve this matter outside the court house but you are not willing to resolve this matter. We will mark as a flat refusal on your account and take immediate action against you, we have repeatedly advised you of your long overdue balance in the amount of {$1200.00}. Since you have not made payment, we have turned your account over to our attorneys and instructed them to commence suit without further delay. There is still time, however, to avoid suit if you pay settlement amount today. This will be your final opportunity to resolve matters without the expense of court proceedings. 



At this time your case file has been marked as a primary suspect, so at this time if I send you something in a writing its defamation of character, as well as it was mentioned in the contract paper between you and the company that if a person is failing to repay loan in a stipulated time period, then the company is not able to send you any kind of written documentation, FDCPA rules and regulation under the section us law [ 15 USC 1692c ] 805 ( b ) you need to check it out or you can also ask for any federal attorney.

3 Hard allegations have been pressed against your name and your all information.

1. Violation of Federal Banking Regulation.

2. Collateral Check Fraud.

3. Theft by Deception. 



Financial and personal contact information are current per our skip trace. 

Personal information regarding this account obtained with a recent skip trace : Debtor : XXXX XXXX SSN : XXXX DOB : XX/XX/1980 Drivers License : XXXX Bank name : XXXX XXXX XXXX XXXX. 

Account number : XXXX Routing number : XXXX We are prepared to proceed with legal action. However, our company would prefer to give you one last opportunity to make payment and avoid legal action. 





If you take care of this out of court then we will release the clearance certificate and we will make sure that no one will contact you in future. 



Please let us know what your intention is by today itself so we can hold the case or else we will meet you in court house. 



Reply me back immediately with your final answer so we can be in a position whether to put hold on your case file or to proceed it inside the courthouse, Thank you, Sincerely, NATIONAL CREDIT ADJUSTER, I'm not interested.I am not interested.What is this about?
Product: Credit card

I recently opened a new credit card with XXXX XXXX so that I could transfer the balance of my Military Star Card.

A check was sent for the full amount that was on the Military Star card for {$4200.00}. 

Over 20 days had passed by so I contacted Military Star to see if they had received the check or not and they said they did not. 

They then recommended that I contact XXXX XXXX to consult with them about this situation. 

I contacted XXXX XXXX and after they went over the details of the Balance Transfer ; it was found that the address was incorrect. 

And this error combined with the timeframe going past the normal time of which things should have been processed brought them to suggest that a stop payment and new check be issued to the correct address. 

So that is what was done and the new check and payment was received and posted in a timely manner.

The Military Star card now has a XXXX balance. 

I went to use it the other day and it was declined. 

So I called and the person who spoke with me on the phone said my account was frozen because of the stop payment check. 

I told explained to them the situation about the wrong address and possibility of it being lost because of the time that passed was over the usual amount of time and they argued that I would have to pay back for the stop payment check even though a new check was written and sent to the correct address and my account has no balance. 

I followed the advice of both Military Star who told me to contact XXXX XXXX about what should be done and this is what they suggested. And now they are trying to threaten me with collections for a check that will be overpaying my credit card. 

I read the details of their services and it states that only a small fee would be charged if a check didnt go through and that it fees could not exceed the minimum balance due but they are asking me for {$4200.00} when my account has been paid off already and has a XXXX balance. 

They said they are sending this to collections if I do not pay it. Even though I explained all of this situation to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness 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